Here we are again, the last ti I was here to check Mrs. Hou's bank statents, it seems that this is fated, we must be deeply connected!
After waiting for a while, the woman from before apologized with a full face, "Lawyer Tang, I'm sorry for being late, sothing ca up at ho."
The woman's na is Lian Hongyu. She's thirty-six this year and has been having a rough ti. She lost her job due to company layoffs, and with both rent and mortgage to pay, she couldn't keep up and defaulted on her loans.
Not only is she now on the blacklist for credit, but she's also being sued by the bank demanding repaynt...
"No worries at all, I just got here too, let's go in," Old Tang said with a chuckling smile.
As for unfinished housing projects, his thoughts were quite simple: at the very least, the basic tasks had to be completed. This-is-a--special
Take Lian Hongyu, for instance, now teetering on the edge of a cliff, it was necessary to have a good talk with the bank so they might ease off a bit and let her repay the loan slowly.
Pushing open the bank's door into the lobby, a staff mber quickly ca to greet: "Hello, what service do you need help with today?"
Old Tang never quarreled with the frontline staff of any industry unless things were truly out of hand; minor issues generally weren't worth the argunt.
Frontline workers are just employees and can't decide on anything. They're the ones who most often get the bla, especially bank tellers, who generally get it from both sides.
"Could you please tell your leader that Lian Hongyu and her lawyer are here to talk about the loan default, we need to discuss it with the leadership," Tang said.
As he spoke, Old Tang took out his lawyer's license, and this ti he didn't pull out the wrong thing.
The staff mber glanced at it and then nodded: "Please take a seat over there and wait for a mont."
Upstairs, President Zhang looked unconcerned, but he still prepared to et the other party. Having loan defaults was not good news for a leader like him.
Downstairs, Old Tang was instructing, "Lian Hongyu, when we et the bank leadership, don't say anything, let do the talking. I'm quite skilled at communicating."
Lian nodded her head. If Lawyer Tang said he was good at communicating, then she believed him.
After a while, the staff mber ca to inform them that the leader was ready to see them. The two followed upstairs into the deputy manager's office.
But no sooner had they entered than, just as the staff mber was about to make introductions, President Zhang, seeing Tang Fangjing, was taken aback, "Eh, why do you look so familiar? Have we t before?"
Old Tang chuckled and replied, "President Zhang, you must have so much on your mind, you've forgotten. Last ti I ca with my ntor to check your bank's financial records, and you stopped us."
"After that, the court sent a preliminary fine notice saying you'd be fined half a million. Then you let us access the records. Does that jog your mory?"
Lian Hongyu: "???"
Lawyer Tang, is this what you call good communication? You're basically twisting their arm!
President Zhang's face turned even darker. Who reminds soone like this? Not only has he rembered, but now he doesn't even want to see this person. Is he crazy?
But he couldn't just say that and could only nod and say, "Oh, so what are you here for today? Let tell you first, your client has been in default for quite so ti, it's not easy for us to handle internally."
Once again, Old Tang smiled and said, "Her defaulting is indeed a problem, but, President Zhang, there are reasons for that. If only the neighborhood had been handed over on ti, she wouldn't have had to rent another place while paying off the mortgage…"
Old Tang was interrupted before he could finish, "Don't talk to about those useless things. If the property is unfinished, she should go to the developer. You're a lawyer, you should understand that contracts are independent."
"An unfinished property has nothing to do with her needing to pay back the loan..."
This ti it was Old Tang's turn to interrupt.
"Got nothing to do with it? And what about the bank violating the regulatory agreent and failing to fulfill its supervisory duties? Don't you have to bear legal responsibility for that? If you had done proper monitoring, would there be any unfinished projects?"
President Zhang grew more displeased, "What kind of attitude is that in the way you speak? Do you think we can handle the supervision? That's for the residential construction bureau to handle. Why don't you go to them?"
Lian looked at Old Tang; their previous visit had gone just like this.
Old Tang chuckled, turning to retrieve a stack of docunts from his briefcase beside him.
It was the sa kind of cardboard material again, onto which he had copies of notices stapled on.
Unfolding the cardboard, Old Tang pointed with a wooden stick that seed to co from nowhere, reading aloud each part of the content like a teacher before a blackboard: "Our bureau didn't participate in monitoring the presale funds of this project, President Zhang, did you hear that clearly?"
"If it's unclear, I'll read it again. This notice was received just today, it's guaranteed authentic!"
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