"To establish a private lending relationship, transfer records alone are not enough. It is also necessary to prove that the borrower and the lender have reached an agreement on the loan," Xu Jun said after knowing Qin Mingge's plan, "You and I know very well that the more than 300 yuan I transferred to Zhang Jiayong Wan, it’s the kickbacks I should have given him in the past few years. I only gave him some odds and ends because of my relationship with you. contract, the court will not determine the establishment of a loan relationship.”

"IOUs are not a problem." Qin Mingge said calmly, and then took out a stack of large or small papers, all of which had the word "Zhang Jiayong" on them, and some even had time to sign the money, and some even had fingerprints on them. "Two people have lived together for too long, and the documents accumulated over the years are always very considerable." For example, house purchase contracts, bank loan contracts, and even telecommunication service agreements, the parties always sign and stamp on them and then discard them in the corner.And Zhang Jiayong, who was young and witty at the time, was promoted to manager and director in the early days. In order to sign his signature on various documents in a chic and elegant way, even when he returned home, he would find a blank paper and practice.

Qin Mingge is a person who doesn't know how to classify books and documents.The study room at home is large, and she has no habit of throwing away books and documents, so she always stuffs them into the bookcase casually.

However, various documents related to Zhang Jiayong have been preserved for so long, not necessarily because of love.Xu Juan looked at Qin Mingge's eyes, and was a little complicated for a while, "You want to teach Zhang Jiayong a lesson, I can help you, you don't have to take this step." Just like when he was tried for the lawyer's perjury, he has since run counter to his professional ideals. Now that success and fame are achieved, it is difficult to agree with each other.

"I understand what I'm doing." Qin Mingge flatly refused.Her heart was beating so fast, she had to do something to Zhang Jiayong to regain her peace.

After 15 years of companionship, even though Zhang Jiayong has long been invisible in her eyes, it does not affect her love him like a family member.

What is family?No matter whether the other party is poor or rich, noble or philistine, funny or boring, you get used to him as you are used to yourself. When he is sick and weak on the bed, you still have no regrets, wipe his body, and cry for him. Lost voice.

Parents are family, no doubt about it.Zhang Jiayong and Qin Mingge are also family members.Because of him, even though she disagrees with his parents a lot, if his parents are sick, she will still serve them.

However, Xu Juan and her Qin Mingge also had a deep friendship for 15 or 6 years. She might do something for him, but at most she would hire a senior nurse for him in the hospital bed.

So if Xu Juan failed her trust, she would just turn around and leave.But Zhang Jiayong and his parents ruined her 15 years and ruined her parents' healthy second half of life, and she can only ruin Zhang Jiayong's second half of their lives.

Never die.

"With Zhang Jiayong's own signature, the IOU can be forged, but the writing time is not consistent, so it will be identified." Xu Juan stopped persuading, and he held the signature slips that Qin Mingge selected that were more consistent with the bank transfer time, and frowned. Said.

"These two earlier transfers," Qin Mingge pointed to the transfer records on June 2011 and August 6, 16 shown on the running slip, "use these two notes with Zhang Jiayong's signature and handprint as an IOU. , "She selected two suitable copies from the stack of papers spread out, "As for the issue of inconsistency in the formation time of the pen and ink...we do not submit the original IOU, but the photocopy, because a general loan agreement was formed in the end. So the original IOUs were torn up by Zhang Jiayong in front of you." Qin Mingge blurted out the words corroborated by the evidence, and she clicked on the transfer records on October 8, "This time is relatively close to now. No matter how old the agreement is, it is difficult to identify the specific time when the pen and ink were formed."

"But the judge will ask, why continue to borrow the second and third loans when the previous loan has not been repaid?"

"It's because of friendship," Qin Mingge laughed, "it's more because of interest. Businessmen value profits." She pointed to the record of 2011 yuan transferred to Xu Jun's account on October 10, 19. Zhang Jiayong entrusted you to buy a batch of high-priced imported red wine as a gift for a certain leader—there is no perfect time for him to transfer the money to you."

Finally, they agreed: a total of 500 million yuan in borrowing, of which 310 million yuan was transferred through the bank and 190 million yuan was delivered in cash.The evidence they prepared included: two photocopies of the IOU with Zhang Jiayong's signature and fingerprints - the authenticity of the signatures, the clarity of the fingerprints, even the authenticity of the copies is enough to be verified by identification; Invoices and transfer certificates; witness testimony of Xiang Feng; an original loan agreement.

As well as the specific amount of each loan and the interest rate corresponding to the interest of 14 yuan, they carefully prepared their arguments and evidence one by one.

The problems of the collegial panel in the trial were all within the expectations of Qin Mingge and Xu Juan.Judge Tang focused on the source of Xu Jun's cash delivery of 190 million yuan.

"I have 4 large chain clubs in this city, and the reserve funds and operating cash income in the stores every day are more than 50 yuan," Xu Jun replied, "For me, 50 yuan is a one-time payment. Cash, not difficult."

As for Qin Mingge, he asked Xu Jun about the insignificant five words "in personal name" in the loan agreement, and Xu Jun's blurted out "he said he bought a house": "You and I have been friends for many years. Did you inform me before or after that you lent a huge amount of money to the defendant Zhang Jiayong?"

"...No." Xu Juan replied, "I thought the defendant would tell you that you are husband and wife after all."

"Does your so-called 'disclosure' consequence simply mean that I will know about the defendant's loan, or does it mean that I admit that the loan is a joint debt between me and the defendant's husband and wife?"

"……the latter."

"Then why is the loan agreement written in the defendant's personal name?"

"That's what we agreed on at the time." Xu Juan replied, "But I think that the defendant borrowed money to buy a house, whether it is for self-occupation or investment, and the benefits and income brought by it will be shared by the husband and wife. Shared, so this debt should be a joint debt between you and the defendant."

Hearing this, Zhang Jiayong contacted the evidence submitted by Qin Mingge at the proof stage, and couldn't help shouting again: "The two of them are working together to blackmail me! They forged evidence! This is a false lawsuit! This is a crime." !"

Qin Mingge turned his head and sneered at Zhang Jiayong from an angle that the collegial panel could not see. "If you have the ability, you can expose me." She said silently.

Xu Juan's answer was also very calm, "Whether I am a false lawsuit, the defendant Zhang Jiayong knows it well. You have also applied for a judicial appraisal of the two IOUs and the loan agreement, and the signatures and fingerprints are all confirmed to be yours. Yes. Could it be that I also forged the appraisal report?"

As long as the signature on the IOU and the agreement is my own, what does it matter if the content of the text is written by the lender or printed?

"Seamless." Lawyer Cheng, Zhang Jiayong's attorney, thought to himself, "The plaintiff's evidence chain is complete, and this lawsuit will undoubtedly lose. The only difference is," he quietly looked at Qin Mingge who was sitting on the same side, "how can she get rid of her responsibility? gone."

Qin Mingge didn't know what Lawyer Cheng was thinking, so it didn't matter if he knew.She has long been prepared.

Finally, at the debate stage, Qin Mingge made the following argument: "The money borrowed by the defendant Zhang Jiayong from the plaintiff has nothing to do with me, and I request to dismiss the plaintiff's claim that I should bear joint and several liability for repayment. Without knowing it, the plaintiff also admitted that the loan was borrowed in Zhang Jiayong’s personal name; second, the money borrowed by the defendant Zhang Jiayong was not used for family life, but for consumption with a third person who cheated. I applied to the court to obtain it, and the evidence obtained by the court according to its authority can be proved that Zhang Jiayong successively purchased houses, leather bags, jewelry and other luxury goods shortly after the loan occurred. The house is now under the name of Zhang Yan, the third party she had an affair with, and luxury goods such as brand-name leather bags and jewelry are also owned and used by Zhang Yan. The defendant Zhang Jiayong is a marital disloyalty. The law and the public order are good, and the huge amount of money they borrowed is also spent on a third party. If I bear the joint and several liability for repayment, there is no basis for reason or reason.”

After eating mine, I spit it all out.Qin Mingge thought coldly.If she went directly to the court to sue, requesting the revocation of Zhang Jiayong's many gifts to Zhang Yan in the name of damage to the joint property of the husband and wife, in today's judicial environment, the court would probably not file the case.But it doesn't matter, she can save the country in a curve, so she spent more energy and material resources to investigate how much Zhang Jiayong bought for Zhang Yan, whether she bought it with a credit card, retrieved bank records, paid in cash, retrieved videos or applied for witnesses to appear in court testify.She would kill Zhang Jiayong and make him pay more than he could accept.

In the end, the verdict of this case was as Qin Mingge and Xu Jun thought: the defendant Zhang Jiayong repaid the plaintiff Xu Jun's principal of 500 million yuan and paid interest on the loan and overdue interest.

Qin Mingge does not have to bear joint and several liability for repayment.

Zhang Jiayong naturally refused to accept the appeal.But Lawyer Cheng told him, "If there is no accident, the second trial will lose the case. The fact that there is a transfer, the IOU and the agreement have been authenticated are true, and your application for re-authentication has also been rejected-you have to win unless you prove yourself Pay back the money."

But I never borrowed money from that son-of-a-bitch named Xu, so where did I get it back?Zhang Jiayong's complexion was pale. After receiving the verdict, he looked at Qin Mingge and Xu Jun, and wished he had a gun in his hand, and one shot would kill the other, "You will go to jail for a false lawsuit, but you are willing to take risks for her. After so many years, you are really passionate," he said to Xu Juan sneered, "It's a pity that no matter how nice you look at her, she is just a broken shoe that I don't want."

Xu Jun's face was gloomy for a moment, and Zhang Jiayong even had a sense of fear that "he will draw his gun and shoot me soon".

Singer Qin Ming clasped the back of Xu Juan's hand and shook his head lightly at him.His face was calm.Zhang Jiayong met her eyes, and turned his head in embarrassment.

Xu Juan's expression slowed down, "This mentally handicapped man," he casually pointed at Qin Mingge and pointed at Zhang Jiayong, "He thinks that if he puts one more cunt in his dick, he will be the winner in life?"

"No way," Qin Mingge shrugged, "I can't help him raise his average IQ."

"..." Zhang Jiayong sneered without resentment, "The matter is fair and at ease, so don't try to confuse right and wrong. There is no end to the first trial of this matter, and there will be a second trial, and there will be a second trial! Who is afraid of whom!"

"You haven't taught him legal knowledge for so many years?" Xu Jun asked Qin Mingge, with an expression of "really appalling IQ", "Application for retrial will not affect the execution of effective judgment documents, don't you know?" Xu Jun asked Zhang Jiayong with a smile , "When I apply for enforcement, the court will freeze your bank deposits and forcibly auction your house..."

"Actually, I may not apply to the court for enforcement." Xu Jun continued to laugh, "Do you know how we deal with those who borrow money and refuse to repay it? - Ma Zai will politely invite them to the hotel, with hands and feet There is no need to tie them up. Who doesn’t have common medical knowledge these days? We won’t keep them for more than 24 hours, and if they are not careful, they will become physically detained. We will only take out a syringe—AIDS patients are still very common these days of……"

Zhang Jiayong's face turned pale.

"Brother won't treat you like this." Qin Mingge calmly said to Zhang Jiayong, who returned to normal because of her promise.

Because I have my own method.Because I want more from you.

~~~~~~~~~~~

"Xu Juan lent usury to the company, and borrowed revolving funds from other channels. We all suspect that Zhang Jiayong took at least half of the profit from it," Peng Xudong said to Lawyer Cheng, "I sent someone to check the accounting documents of these years. Zhang Jiayong did a very clean job. However, I am not reconciled."

"No evidence has been found so far. Xu Jun's account will not be disclosed to us. The 300 million we know so far was lent to Zhang Jiayong after he killed him." Lawyer Cheng shook his head and said, "Zhang Jiayong will be detached this time if he is not dead. It’s so embarrassing. Why don’t Peng Dong simply fire him, he has nowhere to turn around, and it’s enough for you to relieve your hatred. If you continue to do it, it will waste time, effort and cost, and there may not be results.”

"I worked so hard to start a business, not to marry someone else." Peng Xudong said gloomily, "I'm not reconciled if he doesn't take off his skin."

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