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Chapter 211: Severing the Bloodline
Chapter 211: Severing the Bloodline
Jiang Cheng walked along the road for a short while before he spotted a filthy man lying on the ground.
As people passed by, they pitied him and tossed a couple of coins his way.
But the man lay there motionless, as if dead.
"Alas, another unfortunate soul," someone sighed.
"Yeah, I heard that a few days ago, someone gave him money, but he refused, saying he wasn't a beggar. Even now, he's still refusing to accept help."
Jiang Cheng brushed past them and approached the man.
He crouched down, examining the man.
The man seemed to sense his presence and opened his eyes, his expression filled with despair as he looked at Jiang Cheng.
"I heard you got scammed. Can you tell me about it? Maybe I can help."
The man seemed not to hear him and closed his eyes again.
"Are you content to let the person who scammed you live a carefree life while you have no home to return to, your leg broken, and you're sleeping on the streets?"
As his words landed, the man suddenly opened his eyes, glaring at Jiang Cheng with hatred.
After a moment, he clenched his teeth and said, "Even the law enforcement team couldn't help me. How can you?"
"How can I help if you don't tell me what happened?"
The man gave a pitiful smile upon hearing this.
He didn't believe that this stranger could help him, but at this moment, he needed an outlet.
Supporting himself with both hands, he struggled to get up from the ground. He glared in the direction of the loan company and said, "The biggest regret in my life is taking out a loan from them!"
As he spoke, his eyes welled up with tears.
"A year ago, my mother fell severely ill. We tried many medications, but her condition didn't improve. The doctor said there was a chance of recovery with surgery, but it would cost 200,000 yuan.
Everyone around me advised me to give up, and I had the same thought. But when I thought of my mother, I couldn't bring myself to abandon her. I could only think of selling the house to raise the money.
Then one day, I saw their loan advertisement at the hospital entrance. I was tempted by their interest rate and, after much hesitation, I called them."
Jiang Cheng's heart sank as he listened to the man's story.
The man before him was still a filial son is currently airing.
"After hearing that I wanted to borrow money, they gave me the address of their store and asked me to come over to sign the contract. The interest rate was a bit high, 20%, but I thought that as long as I could repay it within a year, it wouldn't be a problem.
I felt it was acceptable, and at worst, I'd have to endure some hardship, sell some belongings, and borrow some money from others. I was sure I could repay the 200,000 yuan, so I agreed. They brought the contract for me to sign, and I knew there might be a trap, so I was cautious. As I expected, there was indeed a problem."
"What kind of problem?"
Jiang Cheng asked.
"The loan amount didn't match the contract."
The man clenched his teeth and said, "I clearly borrowed 200,000 yuan from them, but the contract stated 800,000 yuan. I pointed this out to them, but it was too late!"
As he spoke, tears streamed down his face, and his voice grew hoarse.
"I had already noticed the issue, but I listened to their words and signed the contract, leaving my fingerprints. That's why everything happened afterward. If only I had been more cautious and less hasty, this wouldn't have happened."
"What did they say to you?"
Jiang Cheng was also surprised.
This was a huge issue, and logically speaking, no one should have fallen for it.
"They said it was just written this way on paper to meet their performance evaluation. The loan company didn't care about the actual calculations, and they assured me multiple times that I only needed to pay 200,000 yuan. They even promised that if I repaid the principal within a year, the contract would be void, and I'd only pay 40,000 yuan in interest."
"Did you believe them?"
The man nodded regretfully.
"At that time, my mother was lying in the hospital bed, urgently needing surgery. The interest rate wasn't too high, and several people around me kept persuading me to sign the contract, saying that I could get the money for the surgery as soon as I signed. In the end, I believed them and signed the contract."
Dual contracts.
Jiang Cheng's mind flashed with these four words.
"The surgery went well, and my mother successfully recovered. However, after she was discharged, her health deteriorated day by day, and she passed away within half a year."
"I endured my grief and worked day and night to earn money. Finally, before the deadline, I managed to save over 200,000 yuan, sold some belongings, and borrowed from relatives and friends. I repaid the principal of 200,000 yuan and the interest of 40,000 yuan."
Just as I thought everything was settled and breathed a sigh of relief, that woman told me I still had 720,000 yuan left to repay. Since it was past the deadline, I'd be charged an additional 1% penalty interest for each day!"
The man was so furious he trembled.
"In other words, as long as I didn't repay the debt for a day, I'd have to pay an extra 7,200 yuan in penalty interest! I work myself to death and barely earn this much in a month, and it's only enough to cover one day's penalty interest? This is utterly ridiculous!"
Jiang Cheng gasped in shock.
This wasn't just a high-interest loan.
It was a loan that destroyed families.
"I argued with them, saying I only borrowed 200,000 yuan, how could I possibly owe 720,000 yuan? That woman then showed me the contract with my signature, claiming I had borrowed 800,000 yuan, and it was clearly written in black and white. I was so furious I laughed, saying you didn't say this before. The 800,000 yuan was just for your performance evaluation, and the actual amount I needed to repay was 200,000 yuan plus 20% interest. However, they refused to acknowledge this, saying it never happened, and I had indeed borrowed 800,000 yuan, with principal and interest totaling 960,000 yuan.
After deducting the 240,000 yuan I just repaid, there's still 720,000 yuan left. I'd have to pay penalty interest for however many days it takes to repay the remaining amount."
The man's eyes were red with anger.
"Of course, I wouldn't listen to them and pay the remaining 720,000 yuan as a fool. Not to mention I don't even have the ability to repay it. So, I turned around and left."
I never imagined that the next day, the court would come and take away my house, evicting me. When I tried to argue, I learned that the house no longer belonged to me but to the Ding Shi Loan Corporation. If I caused any more trouble, they'd have me arrested."
The man smiled bitterly as he continued, "So, two days ago, I came to argue with them and also told others how I was cheated. They immediately resorted to violence and broke one of my legs. If someone hadn't called the police, I might have been beaten to death. As expected, the law enforcement team sided with them, saying I owed money and refused to repay. Now, I have nowhere to go and can only wait here to be arrested."
(End of Chapter)
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