booktalesy Chapter 423: Account Cancellation
Chapter 423: Account Cancellation
With September fast approaching, Huang Xiaochuan has already returned to school to start preparing lesson plans for the new semester.
After a year of teaching, Huang Xiaochuan has accumulated some experience and is now very familiar with teaching tasks. He completed the lesson plan for the new semester in just one week.
After finishing his work, he chatted idly with Lü Jingyun.
"Huang Xiaochuan, didn't you take your wife out for a trip during the summer vacation?"
"Oh! No!"
"I'm telling you seriously, next summer vacation, take your wife to Qiandao Lake. I guarantee you won't regret it. The water there is crystal clear, you can even see the bottom of the lake."
"There's so much to eat, an incredible variety of mountain delicacies and freshwater seafood. It's a great place to escape the summer heat. If it weren't for the start of the new school term, I wouldn't want to come back. My daughter feels the same way; she wishes she could stay there forever."
"Hehe!" Huang Xiaochuan chuckled.
Qiandao Lake? I've been there several times in my past life, with friends and colleagues. It's indeed a wonderful place. To the north of Qiandao Lake is Huangshan Mountain. The formation and naming of Qiandao Lake is the result of both natural and human intervention.
The predecessor of Qiandao Lake was the Xin'anjiang Hydropower Station. This river originates in southern Anhui and is the mother river of Huangshan Mountain, so there is a connection between Qiandao Lake and Huangshan Mountain.
"Sister Lü, your daughter is in junior high school now, right?"
"She'll be in the second year of junior high when school starts, which means we can take her out to play during the summer after her first year. But once she's in the second year, her studies will be more intense, and we'll have to wait until she graduates from high school to go out again. But by then, she might not be willing to travel with us."
"That's possible, but your Wang Jingwen seems to be quite well-behaved."
Lu Jingyun said with a look of disdain, "What you see is just the surface. How could I not know my own daughter? She's full of tricks and schemes to use against me, but she's incredibly close to her father. I'm so good to her, but she's not close to me at all. I've raised this daughter for nothing!"
Huang Xiaochuan smiled and offered some advice: "It's very common for daughters to be closer to their fathers, but don't worry. Girls are more perceptive than boys, and they'll know how to treat you well when they grow up. Just wait and enjoy the blessings of having a daughter!"
"Hmph? Enjoying life? Enjoying tofu (a homophone for 'blessing' in Chinese) instead!"
Just as Huang Xiaochuan was about to say a few more words to Lü Jingyun, his phone rang.
The old mobile phones have been replaced by first-generation 2G phones. Now Huang Xiaochuan uses a Motorola Startac folding phone.
Before answering the phone, Huang Xiaochuan glanced at the caller ID and saw that the number seemed to be his uncle calling.
Huang Xiaochuan got up and quickly walked to the corridor outside the office before answering the phone.
"Uncle, you were looking for me?"
Zeng Jiahua was talking to Huang Xiaochuan on the phone, and Huang Xiaochuan frowned.
After his uncle finished speaking, Huang Xiaochuan roughly understood what had happened. He only asked one question: "Uncle, where are you?"
After learning Zeng Jiahua's location, Huang Xiaochuan first called Zhou Wei, then called Nan Hui, and then went to the department office to ask for half a day off.
After getting in the car, Huang Xiaochuan instructed Zhou Wei: "Go to my uncle's factory in Qingpu."
Zhou Wei nodded, stepped on the gas, turned the steering wheel and headed west towards Qingpu, followed by a minivan.
Upon seeing familiar people and cars, the factory gatekeepers immediately opened the gate and let the two cars into the factory area.
The reason Zeng Jiahua called Huang Xiaochuan today is that the bank that took out the loan for him has suddenly changed its mind and said that there were problems with the loan review process. Now they want to recall the loan in advance, which is commonly known as loan withdrawal.
In layman's terms, it's like a bank lending you a stepping stone, but you have to pay interest on schedule and return it when it's due. During this period, you have the right to use it. But after a while, the bank says it won't lend you the money anymore and insists on taking the stepping stone away. The key point is that you're on it at this time, but the bank doesn't care about that. It only wants the stepping stone; whether you're on it or not is none of its business.
This is a total rip-off! If you fall in, you'll be lucky to escape with your life!
Zeng Jiahua was trying to raise money to repay the loan, but the bank pressed him relentlessly, giving him no chance to breathe. They applied to the court for asset preservation, freezing all of Zeng Jiahua's factory accounts, and even brought court personnel to forcibly seize the newly purchased equipment that had been mortgaged to the bank.
The factory workers, of course, disagreed. This was their livelihood. Without the equipment and the factory, they would have to find new jobs. Moreover, after staying there for a while, they found that the factory manager was a good person who never delayed paying wages. The food in the factory canteen was also good, and the factory manager even worked with them. The so-called office was almost the same as the workshop, except that there were a few more sofas.
The two sides remained locked in a stalemate, but this couldn't go on forever! Zeng Jiahua had no choice but to swallow his pride and ask his nephew, Huang Xiaochuan, for help.
When Huang Xiaochuan arrived, the two sides were locked in a stalemate.
Huang Xiaochuan took the initiative to contact the enforcement judge of the court.
"Hello, are you from the court?"
The judge looked at Huang Xiaochuan warily: "Who are you?"
"Oh! I just wanted to ask, is it okay as long as I pay off the loan immediately?"
The judge nodded: "Yes!"
Huang Xiaochuan smiled: "Then thank you for your trouble. I'm sorry you made a wasted trip."
This statement left the judge somewhat puzzled. After speaking for a while, he wondered, "Who is this person?"
Then Huang Xiaochuan asked Zeng Jiahua, "Uncle, how much is the loan in total?"
"The total amount, including principal and interest, is 3,157,300."
Then Huang Xiaochuan turned to the bank employee and asked, "Is this the correct amount?"
The bank staff were somewhat puzzled by Huang Xiaochuan's sudden appearance.
Who are you?
"Who do you care who I am? I'm asking you a question, and all you need to do is answer yes or no. Just now, Factory Director Zeng said that the outstanding principal and interest from his loan from your bank totals 3,157,300. We'll talk about the odds later. I'm just asking you, is this account correct?"
Although the bank employee was reluctant, he nodded anyway: "That's right!"
"Please wait a moment, I've already had the money delivered. It's on its way."
The bank employee glanced at Huang Xiaochuan with disdain: "Why should I listen to your arrangements? What a joke! Judge Qian, let's put up the seal."
Upon hearing this, the workers immediately became agitated and blocked these people from entering the workshop.
In the chaos, Huang Xiaochuan was shoved a few times by people from the bank and the court. Zhou Wei and the others immediately rushed over and dragged the bank and court personnel aside.
The bank staff were still shouting, "I'm warning you, you're defying the law, and you'll face legal trouble."
Zhou Wei and the others pretended not to hear and just focused on doing their own thing.
Huang Xiaochuan's face was gloomy, and even his good temper was starting to falter.
Just then, a black Mercedes-Benz followed by a Cedric sedan sped up and stopped beside the crowd.
Nan Hui hurriedly got out of the car with her entourage. Upon seeing Huang Xiaochuan, she asked, "Mr. Huang, am I not late? I came immediately with the finance department and the money after receiving your call."
"Where's the money?"
"Oh! It's in the trunk of the car."
"Take it out and let the finance and bank staff check and verify it to make sure the transaction is clear. Don't forget to get the loan settlement certificate."
"Yes, Mr. Huang! I'll take care of everything."
One of the bank staff recognized the accountant Nan Hui had brought.
"Manager Song? What brings you here?"
"Zhou Lan, is that you?"
Nan Hui glanced at Huang Xiaochuan, whose face was ashen, and coldly rebuked him, "Song Huijuan, did I bring you here so you could catch up with old friends?"
"Mr. Nan, I'm so sorry!" The finance manager, who was terrified, quickly led two people to the trunk of the Mercedes-Benz to get three boxes. Each box contained 1.5 million yuan in cash, totaling 4.5 million yuan.
Huang Xiaochuan sought out Nan Hui because only Guangda Real Estate had a large amount of cash. Since transferring money would take time, and waiting until the seal was affixed before repaying the money would take a lot of time to apply for unsealing, it would be better to settle the debt in cash in person, which would save a lot of unnecessary trouble.
Huang Xiaochuan said to Nan Hui, "Open it!"
Nan Hui immediately complied, and even personally opened the three boxes, each filled with bundles of blue 100-yuan bills.
Both sides were stunned. After a moment, someone in the crowd exclaimed, "Wow!"
During this period, it was rare for ordinary people to see such a large sum of money, let alone witness it with their own eyes, which brought a very strong shock.
The bank staff were stunned, and the court officials remained silent, merely glancing at the bank staff.
They've already brought the money, so how can we seize it now?
With the court and so many people in front of them, the bank staff couldn't very well refuse to accept the money. They had no choice but to bite the bullet and have the finance manager, who had brought Nan Hui, check the funds.
Huang Xiaochuan stood coldly to the side and watched.
In less than an hour, the money was counted and verified. However, the bank staff looked troubled because they never expected someone to bring so much cash to repay the loan. Therefore, they could not issue a settlement certificate.
Huang Xiaochuan had just noticed that the finance manager Nan Hui brought seemed to be quite familiar with the people at this bank, and he roughly guessed that Guangda Real Estate probably had an account with this bank.
They asked the finance manager, Song Huijuan, "Did you open an account at this bank?"
Song Huijuan didn't recognize Huang Xiaochuan, so she didn't answer Huang Xiaochuan's question immediately. Instead, she looked at Nan Hui.
Nan Hui said coldly, "Why are you looking at me? Just answer whatever Mr. Huang asks you!"
Upon hearing her boss's words, Song Huijuan quickly nodded, "Yes!"
Huang Xiaochuan continued, "How much money is in the account?"
This time, Song Huijuan was more shrewd. She replied, "The two construction sites will be paying a batch of project funds next month. There are currently more than 400 million yuan in the account."
"Transfer all the money to another bank, then close the account, and never do business with that bank again."
These words were directed at Nan Hui. Huang Xiaochuan had the confidence to do so because all his money was earned from abroad. He didn't need to borrow from any domestic bank at all. On the contrary, he had a huge amount of funds deposited in domestic banks, which of course were not in his personal name, but were all funds controlled by his company.
That's why he doesn't need to worry about the bank's attitude; the bank is more likely to be concerned about his feelings.
Song Huijuan was stunned; she could hardly believe her ears.
Her boss, Nan Hui, immediately agreed.
"Okay, Mr. Huang! I'll take care of it as soon as I get back."
Even the people from the bank and the court were a bit confused. Why was this young man talking so arrogantly?
However, Zhou Lan, who had just greeted Song Huijuan, was terrified and broke out in a cold sweat. She knew that Guangda Real Estate had indeed deposited so much money in their bank, and the annual transaction volume was astonishing, basically accounting for one-fifth of their branch's business volume. They were definitely a major client, and now they wanted to close the account.
It's obvious I've messed up this time, but I'm just a gofer, right? I'll definitely have to take the blame myself later. This is terrible, I've had the worst luck imaginable.
She had no choice but to believe it! The usually arrogant finance manager of Guangda Real Estate didn't dare to breathe loudly in front of their boss. This was troublesome!
What Zhou Lan found even more perplexing was that Song Huijuan and her boss were so subservient to an unknown young man.