58: Is there something wrong with this person's brain?

Hearing Zhou Yun’s question, Director Fang casually said, “Of course it’s the developer’s loan. I don’t think there’s any need to ask that.”

If the loan is given to the developer, then naturally it’s the developer’s loan. What’s there to ask about?

The audience in the live stream was also curious, wondering why this Zhou Lawyer would ask such a question.

Zhou Yun chuckled, “The developer’s loan? Are you sure?”

“Alright, I ask you, who is making the monthly payments on this loan, and who signed the loan agreement?”

“And who is it that you sue when they can’t repay the money? Come on, tell me, who is it?”

Hearing this, Director Fang’s face instantly changed, his mouth open but unable to speak.

Zhou Yun laughed, “What, Director Fang, you don’t even know such basic common sense? Or are you unwilling to answer?”

“Since you’re unwilling to answer, then I’ll tell you, the loan is my client’s loan. Legally speaking, this money was borrowed by him from your Bank, correct?”

This sentence was like a bolt from the blue, stunning Director Fang.

And Zhou Yun’s output continued:

“Limiting it as a loan for buying a house merely restricts its use, and because of the special circumstances of commercial housing, the loan is directly paid to the developer by you after it’s issued.”

“But, no matter what, this money should belong to my client, don’t you agree, Director Fang?”

Zhou Yun was originally too lazy to say these things, but he didn’t expect this Director Fang to want to talk about the law. Well then, let’s talk about the law properly.

“Ladies and gentlemen, don’t you think this makes sense? Whose loan it is, I think it’s very simple: whoever signs the loan agreement, whoever repays the money every month, then the loan belongs to them!”

“You can’t say that because the developer cooperated and did some work, this loan belongs to the developer, right?”

At this point, the audience in the live stream also reacted, realizing that it really seemed to be the case.

“Damn, I never thought of this before. I also felt that since the loan was directly given to the developer, it was the developer’s. But now that I think about it, this is the money I borrowed!”

“Holy cow, I thought so too. This Bank is purely misleading people.”

“They even have the nerve to talk about a third party. This person is a professional, how could he not know these things? He’s just saying it on purpose.”

Zhou Yun continued, “Alright then, since it’s our own loan, then of course we have the right to know which account of the developer’s this money went into!”

“This is our most basic right to know. Is there a problem with me saying this?”

Yes, it’s the right to know, a right that is often overlooked in daily life but is extremely important.

It’s a simple truth: rights need to be fought for. If you don’t fight, then the high ground of rights will definitely be occupied by the other party.

For example, the Bank can just say that this concerns financial security, so they can’t give it to you.

Can financial security override all individual private rights? Zhou Yun doesn’t think so.

While he doesn’t support those who advocate for “freedom,” he also doesn’t support situations where people are bullied under false pretenses.

What to do? Analyze specific problems specifically. This is the most basic methodology from political textbooks.

Can the whereabouts of a loan jeopardize the entire financial security?

Zhou Yun was explaining his reasoning, and even the audience, who were usually indifferent to these things, started to feel something.

And across from him, Director Fang slumped there, like a salted fish who had lost his dreams.

“So, I could very well investigate without a subpoena; I could directly file a lawsuit based on the right to know, but that would take too long.”

“Time is one of the most precious costs for every rights defender. I want to save my client time.”

“Alright, I’m done. Director Fang, what do you think?”

Director Fang across from him struggled, “I, I think… this is anyway…”

He stammered for a long time but still couldn’t utter a complete sentence. He was completely defeated in this “reasoning” battle.

Manager Wu on the side also kept shaking his head. Director Fang was no match at all; he should have just run away earlier.

The live stream began to be flooded with comments, and many seasoned netizens started mocking him.

Whether Director Fang genuinely didn’t know or was pretending not to know, at least at this moment, he looked like he genuinely didn’t know.

Seeing Director Fang starting to wipe sweat, Zhou Yun shook his head and said, “Alright everyone, that’s all for today’s debate. There will be more unscheduled live broadcasts like this in the future. Thank you all.”

After speaking, he turned off the live stream and looked at Director Fang: “How about it, can you check now?”

Director Fang nodded with a bitter face: “I’ll go talk to the Bank Director…”

This time, he had originally wanted to show his face, but he ended up exposing his backside.

Zhou Yun sat there leisurely drinking water. After waiting for about an hour, Manager Wu came out with the materials.

“Zhou Lawyer, please take a look. These are the records of our Bank’s loan disbursements at that time.”

The materials obtained from such investigations also vary. In some places, they are directly given to the lawyer to take back, while in others, they are mailed directly to the Court without passing through the lawyer’s hands.

But in the end, the lawyer still has to see them, otherwise, he can’t work on the case.

Lawyers and doctors, these two ultimate service industry professionals, should be considered the ones who see the most privacy and secrets.

After all, if you encounter something or an illness that’s difficult to talk about, you’ll definitely want to find someone more professional.

Zhou Yun took the materials and opened them. As expected, the account into which this loan was deposited was the same as the account into which Grandpa Li’s down payment was deposited earlier!

One can only say that the Bank was still the same Bank, no different from those in his previous life.

Seeing Zhou Yun about to leave, Director Fang, who had also returned, spoke up, “Zhou Lawyer, we can talk again. Actually, there’s no need to make it like this…”

Talk? Zhou Yun smiled: “Director Fang, at this point, what else is there to talk about? My client wanted to apply for a loan suspension due to the unfinished building and financial difficulties, and guess how you responded?”

Director Fang fell silent again.

Because this world hadn’t yet experienced the collective loan suspension wave that occurred during a certain period in his previous life, Banks previously generally sued and reported to credit bureaus for clients who suspended loans.

Why Grandpa Li had to live in an unfinished building was because he truly had no other choice.

All his cards and accounts were frozen, so he could only do daily-wage jobs that paid him in cash.

Precisely because he knew what they had done, Director Fang didn’t know what to say at this moment.

Manager Wu on the side spoke up, “Zhou Lawyer, you also want to solve the problem, so it’s not necessary to go to Court if we can discuss it…”

“Discuss?” Zhou Yun smiled again: “The down payment is refunded, the loan is stopped, can we discuss that?”

Manager Wu was dumbfounded: “That’s impossible…”

“Then that’s that.”

“Zhou Lawyer, Zhou Lawyer…” Manager Wu behind him was still shouting.

Zhou Yun stopped again: “Stop shouting, I’m very busy. I still have to go to the Financial Regulatory Bureau to report your illegal lending practices later. If I’m delayed, will you take responsibility?”

Hmm… huh? Manager Wu was dumbfounded again. What kind of talk was this?

You want to report us, and if you’re delayed, you want us to take responsibility?

However, he still quickly said, “Zhou Lawyer, why is this? Although we didn’t reach an agreement, haven’t you already filed a lawsuit?”

Zhou Yun casually said, “No reason, I just simply feel annoyed with you and want to report you, want you to be punished. What, is there a problem?”

Now there isn’t just the problem of “depositing the loan into a non-supervised account,” there’s also another problem: issuing loans before the building is topped off!

In July 2024, people in some areas of Guangdong Province found that it was difficult to get loans when buying a house; they could only get a loan after the building was topped off.

So many people started talking about this regulation, but in fact, “loans can only be issued after the building is topped off” was a very old regulation.

As early as 2003, the Central Bank issued a document stating that for individual home purchases, loans could not be issued before the building was topped off.

But everyone knows the situation in those years: widespread violations. Banks, in order to seize market share, didn’t care about any regulations.

In a sense, this was also one of the factors contributing to the appearance of unfinished buildings.

Now, Zhou Yun is prepared to raise this issue: Why didn’t you comply with the Central Bank’s document? If you didn’t comply, shouldn’t there be a penalty?

“Oh, and if there’s a problem, remember to come at me. I did all of this!”

Manager Wu was stunned, muttering, “Crazy, is there something wrong with this person’s head…”