Work hard to gain experience

Chapter 265 Loans
Ginkgo looked at the time, with an embarrassed expression: "Is it so late... Then I'll go home first, I'll go back and sort it out, and I'll send you the news that can be passed on tomorrow."

"It can also be passed on..."

Xia Le'an's eyelids sank slightly: "Send all the information, I will help you with this case."

Ginkgo struggled for a while, then responded weakly: "Then I have to go back and ask the leader for instructions."

……

The next day, Ginkgo didn't come over and directly sent a document to Zhong Qingxue's WeChat account. The document recorded the information that the police had found so far.

There are 27 people in this routine loan gang, three of them are the main person in charge, commonly known as the leader, six administrative staff on duty, and the rest are all debt collectors. The way these people collect debts is better than those recorded in the news. , or a lot of civilization.

Using SMS and phone bombing software to bomb the mobile phones of those borrowers 24 hours a day. Because the virtual number technology on the Internet is used, the police can't find clear evidence and can only watch helplessly.

Bombing text messages and phone calls is just the beginning. If this method is useless, they will start calling relatives, friends and family members of the borrower. It seems that the entire address book was copied when the loan was originally borrowed.

Just like the previous step, these debt collectors will not say anything like threats on the phone, but simply say that the borrower has borrowed money, and let them persuade the borrower to pay back the money as soon as possible.

It is a very normal call. The police know who is calling, but there is no way to stop it. Every collector has hundreds of purchased numbers, and they cannot avoid it even if they are blacklisted.

If at this point, the money is still not received, then these debt collectors will start to follow, and follow behind the borrower early in the morning every day. In the real area, as long as the borrower arrives in the public area, he will be followed 24 hours a day.

When almost all borrowers reach this stage, their spirits will be extremely broken, and they will start to repay the money together. However, for the high interest rate, it is only a drop in the bucket, and there is no way to really pay off the debt.

If some borrowers have an extremely strong mentality and just hold the mentality of not repaying the money, then they will sell the loan contract to other formal loan companies at the original price, so that these borrowers will have credit records and become dishonest executors.

When these borrowers collect money to pay back, they will use double the price to buy back the contract from the formal loan company, and continue to repeat the payment...

To put it in the simplest words, as long as you borrow money, whether it is one thousand or ten thousand, as long as you borrow money, then this life is almost useless. Even if you are lucky and win the lottery, you want to pay off the loan all at once , will be rejected. According to the contract, the interest can only be paid every month. If you want to pay off the money in one go, there is no way!

Most of the above are aimed at male lenders, and one more method for female lenders is to take photos of clothes...

"What are you doing, such a serious illegal act, why don't you just arrest people!"

Zhong Qingxue looked at Xia Le'an angrily: "The police all eat something, wouldn't it be better to just arrest them?"

"There is no way to catch it!"

Xia Le'an spread her hands: "From the legal point of view, these people did not break the law. Didn't Gingko say that yesterday? They are people who are walking on the edge of the law, unless the law is amended..."

"Revise...change the law?"

Zhong Qingxue got stuck: "Are you kidding me?"

Xia Le'an began to move his hands and feet on the spot: "I'll be busy next time."

"What are you busy with?"

Zhong Qingxue didn't understand this, Xia Le'an raised her head and looked outside the store: "Isn't it because you told me before that the greater the ability, the greater the responsibility?"

"You want to help? How can you help? Didn't you say that they didn't break the law?"

Zhong Qingxue blinked curiously, and Xia Le'an smiled and shook her head: "Who said they didn't break the law? The contract at the beginning was not broken, but the high interest in the supplementary agreement later is obviously illegal. Forcing those female lenders to take pictures of their clothes , is obviously illegal..."

"Isn't that right? If it's illegal, then couldn't Ginkgo and the others arrest people directly? Didn't Ginkgo say that they didn't violate the existing laws?"

"It's not that these people didn't violate the law, but that they didn't leave any evidence. Ginkgo and the others couldn't find any evidence, have you forgotten? Those lenders dare not stand up to testify against these people. They are afraid of being retaliated and they have a handle. .”

"It sounds messy!"

Zhong Qingxue pressed her head with both hands, and shook her head quickly: "You summarize it for me."

"To sum up...to sum up..."

Xia Le'an said while thinking: "It's almost like, this gang broke the law, but they hid it very well. In addition, those borrowers were arrested because they didn't dare to testify. The police couldn't arrest them due to legal restrictions, so... It's time for me to come in handy."

"Will it be dangerous?"

"Calm down, I have two lives, don't worry."

Xia Le'an patted Zhong Qingxue on the shoulder: "I'll go and have a look first, and I'll come back after dinner... No... For the next few days, you can go back to your own house. I'll just live in the rented place nearby. Get this matter over there as soon as possible." Get rid of."

Xia Le'an was really worried, if she went back and forth with her home store over there, would that gang notice her, and Zhong Qingxue and the others would be threatened, even though this possibility is relatively small, but still had to Defend.

It would be best to go there alone, without contact with other people, and resolve the matter once and for all without leaving any consequences.

"I……"

Zhong Qingxue wanted to say that she would go with her too, but she bowed her head silently: "Okay, then I'll be home these few days, so be careful yourself."

"I'm careful?"

Xia Le'an smiled strangely: "It's them who should be careful now, hehe... let's go, go home and rest, and then set off..."

"Go home and rest? It's only nine o'clock in the morning. Why are you resting?"

"No, it may take several days to come back!"

"You... a bad guy with bad things in his head."

"Then you are the woman of the bad guy with all the bad things in her head."

"Why so many words, go home quickly."

"As ordered!"

……

"As expected of usury, this house is really magnificent..."

At this moment, Xia Le'an was standing at the door of the leader of the usury gang. According to the news from Ginkgo, this person is the leader of the three main persons in charge of the usury gang and is responsible for formulating all the rules of the gang.

As for his name, Xia Le'an has no interest in remembering it at all, because in Xia Le'an's mind, this boss is already a translucent person who will be locked in prison for the rest of his life.

(End of this chapter)