Here we are again, the last time I was here to check Mrs. Hou's bank statements, 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, something came up at home."
The woman's name is Lian Hongyu. She's thirty-six this year and has been having a rough time. 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 repayment...
"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-NovelFire-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 member quickly came 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 argument.
Frontline workers are just employees and can't decide on anything. They're the ones who most often get the blame, 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.
But he couldn't just say that and could only nod and say, "Oh, so what are you here for today? Let me tell you first, your client has been in default for quite some time, 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 time, 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 me 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 time it was Old Tang's turn to interrupt.
"Got nothing to do with it? And what about the bank violating the regulatory agreement 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 documents from his briefcase beside him.
It was the same 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 seemed to come 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!"