Chapter 12: Ben Li
Date 19 Mar 2321
Ti 11:03
Location – Sky blossom City, East Zone, Zhang financiers Main office
Having my breakfast I hailed a cab to Zhang financiers to solve my money problems.
Zhang financiers are a good bunch of people who like to help the local businesses and families financially without any surety or collateral.
At least that is what they claim to be. But in reality, they are illegal loan sharks, who charge heavy interest rates on the loans they give out.
As for surety and collateral they use the family or life of the debtors as to their collateral and surety.
Zhang financiers are backed by Zhang rcenaries famous for their cruelty and brutality.
Especially their leader Kevin Zhang, silver grimoire holder, his barbarism knows no bounds and is famous throughout the sky blossom city for his viciousness and savagery.
With such savage goons on their beck and call, nobody dares to cross Zhang financiers. Taking money from them is equal to selling yourself and your loved ones.
Zhang financier’s main office is a fancy 13 storeys building built by robbing hard-earned money of innocent people.
Walking to the receptionist in the lobby of the building, I passed her a business card and said “Tell Ben Li that Wyatt is here to et him.”
The receptionist after confirming that the card belonged to Ben Li said, “Sir, please follow .”
Taking the elevator to the seventh floor I followed the receptionist to a fancy eting room where a shabby man in an expensive suit was waiting for us.
This dude is Ben Li, Kevin Zhang’s nephew and his only living blood relative. He is the CEO and face of Zhang financers in papers.
This guy is the proper definition of a prodigal second-generation rich. As for how I know him, Ben Li is supposedly a victim of a scam similar kind faced by Young Wyatt.
He approached young Wyatt saying he was searching for the scam artist and in his search, he happened to hear about Young Wyatt being scamd so he ca to Young Wyatt to see if he had any clues to catching the scam artist.
During this process, Ben Li befriended Young Wyatt and passing the card to Wyatt he said if Wyatt ever needed money then Ben Li can hook him up for a loan with a cheap interest rate.
After being scamd for the first ti in his life Young Wyatt had already lost trust in society, so he did not trust Ben Li and never considered asking Ben Li’s help.
Neither did I but Ben Li’s card caught my eye yesterday as I was searching for spare change or any neglected money in every corner of the house.
To be precise the logo on the card caught my eye. Because I had seen this logo tattooed on the nape of the two hooligans that ca to my flat yesterday morning.
Suddenly it beca clearer to
that the people targeting Young Wyatt were none other than Zhang financiers, they scamd all of Young Wyatt’s money, then they staged the fake accident, Ben Li approached Young Wyatt so that he could make Young Wyatt take a loan from Zhang financiers.
They wanted to bury Young Wyatt in their debt, but what for? Of course for the two silver grimoires. Because there is nothing else on Young Wyatt that could catch Zhang financier’s eyes.
It was a good, deep and elaborate plan but alas never would they have imagined that Young Wyatt would attempt suicide writing his property to a children’s trust. Nearly wasting all their efforts if not for
being transmigrated.
And as to why was I here? Even after knowing everything, obviously to get justice for Young Wyatt and make so money while I am at it.
“Student Wyatt welco, welco to Zhang financiers. Say what brings you here”
“I am here to et you brother Ben Li and talk about the offer you made
last ti we t.”
“Ah! Where are my manners? co inside, have a seat.. would you like anything to drink. Coffee, tea or cold drinks.”
Seating on the couch I glance at the joyous Ben Li, his attitude took a total 180-degree turn once I ntioned taking a loan.
” No brother Li, maybe next ti. Let’s talk about business first, I am in a hurry.”
“It seems Student Wyatt is in urgent need of money. Tell
how much you need, I will see what I can do.”
“Thank you, Brother Li, you’re a saviour. I got into so trouble recently and am urgently in need of money… about 6 million dollars.”
I didn’t need 6 million dollars, I just threw out the first number that popped in my head.
“W- what?! 6 million dollars!”
I put on a very innocent expression similar to that of a naive lamb.
“Student Wyatt 6 million dollars is a huge amount, even our company’s total asset is not worth that much. Sorry, but I can’t lend you that much money even if you had collateral or Surety.”
Putting on a disappointed face I asked “can’t you help , brother Li, please.”
“This is a huge amount of money our company can’t loan you that much.”
“Okay then I will find so other place to borrow money, thank you Brother Li sorry for the trouble.”
Hearing my response Ben Li was shocking, isn’t the script wrong. Aren’t you supposed to beg and negotiate a deal with ? Where are you going? stop!
“Student Wyatt, wait! That amount of money nobody will be willing to loan you without any collateral or surety.”
“Brother Li if you are asking for surety and collateral I might as well go to the bank they have much better interest rates.”
“No student Wyatt I didn’t an that, what I was going to say is that you could borrow a part of the money from us and the remaining amount from so other financer, What do you think?”
“Sounds good but how much are you going to loan ?”
“How about 500,000$?”
“Too little brother Li, I might as well try so other place.”
“You drive a hard bargain student Wyatt, 1,250,000$ I can’t get more than this.”
I could see that Ben Li was really being sincere this ti but not sincere enough because a single silver grimoire can be auctioned for about 4 million dollars. Even if you are willing to pay 4 million dollars one will not be willing to sell a silver grimoire.
Ben Li had a big appetite, he wanted to gobble up 8 million dollars by just paying 1,250,000$.
But I did not care since I was not planning on returning the money in the first place, let this be Zhang’s first small instalnt paynt to what they owe young Wyatt.
“Okay deal, where do I sign?” I said knowing that Ben Li would rather not make this back deal official by putting this on paper.
Because in this world loaning money to soone with a higher interest rate than the standard and legal interest rate was considered a cri punishable with jail ti. In this world, the governnt took white-collar cri very seriously.
So, Ben Li did not want to leave a paper trail. Because of legal problems and also because he had that much confidence in his uncle and his goons. All they needed was a moral high ground to go after silver grimoires.
” No Student Wyatt there is no need for that I trust you.”
“If you say so.”
Collecting money from Ben Li, I hailed a cab to Guild association mall to stock up on more cards and increase my strength.
The loan due date was one year from today and the interest rates were three tis the legal interest rates and if I am unable to pay interest by the end of every month then they will be adding certain late fees and charge interest for the interest to be paid.
This was a trap but I didn’t mind stepping in it as I knew that they are going to co after
one way or the other, I might as well make so money out of it. money is good as in this world money ant strength.
money = good cards = strength, One year was enough for
to grow stronger than Kevin Zhang and his goons.
…
As Wyatt was leaving the building, Ben Li busy directing his goons,
“Speed up the process, I want that brat begging
for more money by the end of this week.”
“But boss what if the brat finds other lenders then things will beco complicated.”
“Don’t worry about that, my uncle will take care of that. “
“Okay boss!”
…
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