150: I chose a faster way to solve the problem

“Last year, the defendant borrowed 50,000 yuan from my company, agreeing to a monthly interest rate of 2%... and has not yet repaid it to this day...”

Shi Xiaoning, after all, was a lawyer by profession, so he was perfectly capable of filing a normal lawsuit.

And as he presented his case, the Political Science and Law University students present gradually understood the details of the case.

The plaintiff was a small loan company, and the defendant was a university student who had just graduated not long ago. After borrowing 50,000 yuan, he couldn't repay it and was now being sued in Court.

Then, somehow, Lawyer Zhou Yun was invited to act as his representative, leading to today's live Court hearing.

Moreover, the plaintiff's representative was actually an alumnus of their Political Science and Law University!

The students present had already begun to whisper among themselves; they simply couldn't understand why Zhou Lawyer would take on such a case.

Logically speaking, it's only right to repay debts, no matter what, the company did lend the money, and now he's being sued for not repaying it, which doesn't seem right no matter how you look at it.

However, everyone still had some sense, so they only whispered a few words and continued to listen.

After the plaintiff finished his statement, Shi Xiaoning looked around, sat down with a smile on his face, feeling that his statement had been particularly good.

The facts and reasons were stated very thoroughly, and he even added some content regarding public order and good customs.

Meaning, our company lent you money out of good intentions, but you just decided not to repay it, which is a very problematic behavior.

This was content he specifically added; if it were a Court hearing, he definitely wouldn't have included it. Judges have seen too many cases, and adding these might even make the Judge feel annoyed.

But at this moment, they were at the university, and Shi Xiaoning was very clear that these university students now had their own set of standards.

As long as it didn't meet their standards, even if it was Zhou Yun, they would still criticize him.

Judge Li then asked the defendant to begin his defense.

Zhou Yun immediately began his defense, starting with the defense requests.

“First, I request the Court to dismiss all of the plaintiff’s claims. Second, the litigation fees for this case shall be borne by the plaintiff.”

“Facts and reasons: First, our party did borrow 50,000 yuan from the plaintiff, but this 50,000 yuan was for repaying the plaintiff's previous loan and high liquidated damages. Therefore, in a sense, this belongs to a predatory loan, and predatory loans are not supported by law. Thus, our party does not need to repay this 50,000 yuan.”

“Second, the interest rate agreed upon by the plaintiff's company exceeds the maximum interest rate standard stipulated by the state…”

With just these few simple sentences, Zhou Yun's defense ended.

He only mentioned two things: one was that this was a predatory loan, so there was no need to repay the money; the second was that the interest rate was too high and illegal, so the interest did not need to be repaid. That was it.

The students present were even more bewildered. This… just this simple?

Fang Yufei frowned. He didn't know what this Lawyer Zhou was thinking. In his opinion, this case shouldn't have been taken.

From the case details, the defendant was clearly still in school when he borrowed the money. Daring to borrow 50,000 from a small loan company at such a time clearly indicated he was not a good person.

This wasn't him talking nonsense; there were indeed such people among university students, falling into the abyss of online gambling and online loans, making it almost impossible to climb out.

As for what Lawyer Zhou called a predatory loan, they couldn't see any predatory scheme in it; it was just money borrowed by himself.

With both sides having presented their cases, the evidence presentation and cross-examination began. As each piece of evidence was displayed, the students present looked increasingly perplexed.

Fang Yufei now had only one feeling: the plaintiff's evidence was particularly ample. Look, transfer records, contracts, everything was there.

In contrast, Lawyer Zhou had not produced any evidence.

Shi Xiaoning's face grew more and more excited, and Yu Yun, next to him, finally stopped looking gloomy.

Although he didn't understand the law very well, he could tell that Zhou Yun on the opposite side seemed to be completely defeated.

For example, now it was Zhou Yun's turn to cross-examine.

Facing the gazes of everyone present, Zhou Yun remained unhurried and said, “Regarding the evidence presented by the plaintiff, our party accepts all of it.”

What the heck? You accept all of it?

Although a lawyer's cross-examination usually sounds like reciting a textbook, always repeating “authenticity, legality, relevance,” for you to accept everything is a bit too outrageous!

Those who knew would say this was Zhou Yun; those who didn't might think some lawyer was just here to coast through the day.

Shi Xiaoning on the opposite side was also a bit confused when he heard this. No, he had already prepared for all the evidence to be cross-examined and had already thought about how to bring it up in the debate.

But the other party... accepted everything?

The students' murmuring grew a bit loud, and Judge Li had no choice but to tap the gavel and say, “Please maintain order!”

After tapping, Judge Li couldn't help but feel the gavel. You know, the new one just felt good in his hand.

This time, it wasn't for coordination, but rather the Court leaders, upon learning they were going to conduct a live hearing at the school, specifically approved a new gavel to be brought over.

Otherwise, it would be very embarrassing if the hammerhead flew off.

Was that a hammerhead flying off? No, that was the Court leaders' face!

Zhou Yun naturally heard the discussions below, but he didn't care. The evidence was certainly not problematic because all these pieces of evidence could be used in the subsequent criminal case.

Since they could already be used as evidence in a criminal case, their legality and such were definitely not an issue, so he accepted them all. No problem there.

Judge Li looked at everyone present and felt like laughing. He could only say, this was the difference between lawyers.

The Court investigation phase ended, and next was the Court debate. Shi Xiaoning was fully prepared; he intended to completely defeat Zhou Yun in this debate!

This was truly a turn of good fortune; even heaven was helping him.

To defeat a nationally renowned great lawyer like Zhou Yun in front of so many junior students, that feeling was truly wonderful!

And Fang Yufei no longer knew what to say. He couldn't figure out how this case could still be won.

His only thought now was that Lawyer Zhou wouldn't have specifically arranged such a “lecture” just to make a fool of himself.

So Lawyer Zhou must still have a way to turn the tables, it's just that they themselves couldn't think of it.

What could it be, then?

The Court debate finally began. Shi Xiaoning went all out, speaking from “it's only right to repay debts” to the Civil Code, and then to “public order and good customs of society.”

In short, according to his words, Zhu Shuyi's act of not repaying the money caused great damage to social order…

Finally, Shi Xiaoning finished speaking, and it was Zhou Yun's turn.

And Zhou Yun directly said, “I repeat, this is a predatory loan. Here, I want to ask the plaintiff’s representative, do you know that after my client borrowed the money, it was directly used to repay the principal and liquidated damages of the previous creditor?”

Shi Xiaoning said with some confusion, “I'm not quite sure, but is this irrelevant to the current case?”

Zhou Yun smiled upon hearing this: “Yes, it's irrelevant to this case, but what if that liquidated damages were particularly high, and that money was actually lent out by your company or your company's boss?”

Shi Xiaoning was still a bit confused: “You say all these things without evidence, and they have no relation to this case. Based on the evidence in this case, the defendant must repay the money.”

Zhou Yun smiled again: “Of course, I have evidence, but I haven't submitted my evidence to the Court because there is a more convenient route than civil litigation.”

As Zhou Yun's words fell, several police officers walked in from outside the courtroom.

The leading police officer smiled: “Students, excuse the interruption, the plaintiff and his representative in this case are suspected of predatory loan fraud and have now been legally summoned by the Jingnan Branch. This is the summons.”

“Oh, by the way, the complainant is Lawyer Zhou, and Lawyer Zhou also provided most of the evidence for this case.”

Huh? The students present were immediately stunned.