pappabearbooks Chapter 2007: Loan Disputes
Chapter 2007: Loan Disputes
Sitting in the middle is a man with a middle parted hair.
Wearing gold-rimmed glasses, there is another handkerchief in his breast pocket.
He is Cai Kun, the business team leader of Caikun Financial.
Even though he looks a bit girly in appearance, his professional skills are not low.
Lin Ran complained in his heart, but on the surface he looked at them with a smile on his face.
Cai Kun first introduced himself, mainly bragging about his experience in factory management.
“I once helped 20 factories go from bankruptcy to annual output worth one million.
After he finished his boast, he smiled and said: "Director Xu, according to the previous contract, you also know what I am here to do today, right?"
Xu Yu nodded, looking very helpless.
"Very good." The wrinkles on Cai Kun's face showed. He took out the contract and said according to the script: "Article 20 of the compensation agreement. The debts of our company and your factory have expired."
"The current repayment amount is less than 50.00%, and subsequent repayments cannot be made. Therefore, our debt will be carried out in the form of capital acquisition."
After reading the terms, Cai Kun proudly put the contract away.
Said: "Director Xu, if the money has not been repaid, forget it. According to the agreement, the remaining money will be used for capital acquisition of the factory."
"Now that the time has passed, when are you going to hand over the factory to our company?"
Xu Yu said seriously: "Teacher Cai Kun, according to the agreement, doesn't there still be one month for repayment?"
"Want to cheat?" Cai Kun slapped the contract directly on the table, "Do you recognize this official seal and signature?"
Xu Yu replied: "I did not sign this contract."
"Yes, it does not belong to your company, but the money was indeed signed with another company in the same supply chain as yours."
Multi-chain debt is like this. When one company goes bankrupt, other companies are involved.
In this era, it is not easy to get a loan from a bank. Most people can only start a business through private fundraising.
The interest rate is high and the risk is high, but there is no choice.
"Of course I know you don't know about this agreement." Cai Kun said disapprovingly: "But according to the provisions of the contract, the debt you owe cannot be repaid, and the ownership of the public property will be handed over to us."
"Unless you have trouble with the law, then we can only meet in court."
Seeing that Xu Yu was speechless, he continued to urge: "Director Xu, please leave the factory as soon as possible and don't waste time."
Lin Ran had been watching silently.
Cai Kun obviously came prepared, and they are indeed expert negotiators.
Xu Yu was not given any time to prepare and took advantage of the victory to pursue him.
Lin Ran had met many master negotiators, and he knew that it would be over if he didn't give himself a chance.
Lin Ran stood up and smiled: "Mr. Cai, according to the compensation agreement, the factory has the priority to renew the contract, right?"
Cai Kunhua was suddenly interrupted and felt a little unhappy.
He took a look at the person in front of him. He didn't look like the person he had seen in the factory before.
He ignored Lin Ran and said to Xu Yu: "Director Xu, why are there other people present in this formal meeting?"
"He is not someone else, but a new shareholder of our company." Xu Yu said.
"Yes, I am Lin Ran, the deputy director." Lin Ran smiled.
Now he only needs an identity. As for what identity it is, Xu Yu needs his help and will definitely not expose it.
I took the opportunity to wear a high hat for myself.I want Lin Ran to come on stage.
"Lin Ran? Deputy director?" Cai Kun squinted his eyes. He didn't know why, but he just felt unhappy with this young man.
Cai Kun dismissed it: "Nonsense, we already agreed when we signed the compensation agreement."
"What a coincidence." Lin Ran said, "Recently, the factory has a new investor who invested 20 yuan."
"Really?" Cai Kun slapped the table, "What about the money? Why don't you give it back to us if you have money?"
"Of course you can pay it back, but you have to terminate this contract."
Mutual guarantee is a very efficient way to raise funds.
Without any cost, everyone can borrow nearly 50 start-up capital.
Obviously this is an extremely risky behavior.
There is no cost, which means anyone can participate.
As a result, many parasites appeared in this chain. They didn't even think about running the factory well. They just wanted to defraud a sum of money and then run away.
I don’t know why this trend is spreading in this city.
Cai Kun was speechless for a while.
I looked at the contract again, and it was indeed written like this.
As long as they can pay off the remaining debt within half a month, they can save the factory.
But he will definitely not give in when it comes to the contract.
They have only one purpose for coming today.
Make the factory your own!
And they don't plan to run the factory, they just want to package it and resell it.
At this stage, there is no shortage of people with entrepreneurial ideas, and there are many people who have been taken advantage of.
It mainly depends on the exquisiteness of the packaging, which is what their company is good at.
"Since you are unwilling to give up the factory, we will have to go to court." Cai Kun put away all the contracts and prepared to leave.
Lin Ran stopped him and said with a smile: "Mr. Cai, your company is really good at planning, but you still missed some things."
"It's obvious that you are not trustworthy, so you blame it on us?" Cai Kun was disgusted with the person in front of him.
"Is this contract protected by law?" Lin Ran asked.
"As far as I know, the asset compensation is only to pay off the 40 yuan of the factory's triangular debt. In fact, not a penny has been spent on the bank's arrears, wages owed to employees, and equipment."
If it accepts this agreement, the factory will get no benefits at all.
As a legal representative, Xu Yu had to shoulder a huge debt.
It can be seen that Xu Yu is an honest person, very practical and runs his factory seriously.
As a result, it was dragged down by triangular debt.
He didn't even see the trap.
"Isn't this normal? What we took over was just the factory's debt. What does your own credit debt have to do with me?"
Cai Kun said coldly.
He didn't expect that the young man in front of him could see the trap in words.
When the contract was signed, Xu Yu didn't even notice it after looking at it for a long time.
Now I have no idea what the two of them are talking about.
"The contract is protected by law, but whether it is effective or not depends on the audit valuation."
Lin Ran has studied a lot of laws in this area.
There are a lot of things you need to learn if you want to open a store.
"Preliminary estimates show that the factory is valued at 80 yuan. You can buy it with only 50 yuan of debt. It's really a waste of money."
30 is not a small amount of money. It can be seen that this financial company is not doing this kind of thing for the first time and is quite experienced.
Cai Kun gritted his teeth, no longer as calm as before.
He said harshly: "Don't be too arrogant, kid. You will know in a moment whether it will be useful to file a lawsuit in court!"
He didn't even take Xu Yu seriously. Lin Ran was just a deputy director, and he didn't look at him at all.