Mr. Gabrin briefly described the process of Walt's debt. This kind of thing happens from time to time. Not everyone can guarantee that they can always win or continue to win at the gambling table, let alone the organization he organized. A poker game is really a "game".
"You never told me this." Nadiya looked at the silent Walter with great disappointment. She sighed. Since things happened, she should not think about how to argue now, but should Things settled. Nadiya is not a scoundrel, and he can also see that Mr. Gabrin's clothes and decorations are very elegant, and such behavior as reneging on debts will definitely not work. She hesitated and asked, "Mr. Gabrin, may I know how much money Walter owes you?"
Mr. Gabrin took out a thick envelope from his arms. He handed the piece of paper recording Walter's debt and all the signed and fingerprinted IOUs to Nadia. This was not how much he trusted Nadia. Ya, but he has enough means to ensure that even if these things are destroyed, he can get the money back.
Looking at the date of each IOU and the amount owed, Nadia's heart slowly sank. She made a rough calculation and found that there was nothing wrong with Mr. Gabrin's statistics and calculations. Now Walter She owed Mr. Gabrin ninety thousand yuan with interest, which was a huge sum that exceeded her ability to pay. Even if she sells her house now, it won't be enough to repay the money - there is still a large part of the loan on the house that has not been paid off.
This house is worth 120,000 yuan, and more than 10,000 yuan has been spent on decoration and other expenses, of which 70,000 yuan is a loan. In other words, even if she sells the house and adds all the deposits, she will still be short of more than 20,000 yuan. She had just quit her job at China Southern Commercial Bank and lost her title as senior partner. She could not enjoy the mortgage-free and low-interest preferential policy offered by insiders. Maybe she could try to borrow some from others.
At the same time, she also discovered another problem, but now is not the time to talk about it.
"Mr. Gabrin, I don't have that much cash in my hand right now..." Nadiya was a little embarrassed. She had indeed received a lot of dividends over the years, part of which was used as an investment to maintain her image and use it in in the process of interpersonal communication. In addition to paying for her daughter's high tuition and miscellaneous fees at a noble school, the other part of the money was used to purchase the villa in cash. In addition, in the past six months, she gave Walter approximately 30,000 yuan for "business", and her bank deposit was only more than 20,000 yuan.
It is precisely because she has worked in a bank for so many years that she is more certain that spending money as early as possible is far more effective than keeping it in the bank, which has also contributed to the current situation.
Mr. Gabrin looked at the decoration in the house. He liked it very much. The exquisite decoration was simple but extraordinary, which was his favorite type. It could be seen that these decorations also cost a lot of money. He looked back at Nadiya, with a hint of indifference in his smile, "This is not my problem, ma'am."
Nadia smiled awkwardly, "I know, I know..., can you postpone the payment, or pay in installments?" She looked at Gabrin expectantly, maybe this gentleman would understand her.
It's a pity that Gabrin has never been a tolerant person, especially when faced with these people who have lost their use value. He shook his head, "Madam, because this debt is increasing, I am very worried that you will not be able to repay it in the future, but I can provide you with two options for your reference.", after obtaining Nadia's consent. , Gabrin said, "The first option is that I use the debt itself to buy this villa and do not bear any other expenses. In this way, you will not only be able to solve the current financial difficulty situation, but also will not have any cash problems." Too much pressure."
"The second option is to resolve this matter through legal means. The court will evaluate your assets and then auction them. I believe the money raised in the end should be enough to repay this debt. Houses, cars, personal belongings..."
Either way is a difficult choice for Nadiya. If she chooses the first one, it means that she spent hundreds of thousands to buy and renovate the house and sold it for 90,000 yuan. . The losses far exceeded her bottom line, and she still owed tens of thousands to the bank, which she needed to repay. She might not be able to breathe in a year or two.
The second option is even more impossible. She has worked in a bank for a long time, so she knows very well that there are often huge drawbacks in the court auction game. Many people will tacitly agree not to participate in the bidding. The price is originally worth 10,000 yuan. Things often only fetch two to three thousand at auction. Except that the price of this villa is not too low, the value of other things is only 20 to 30%.
She needed to raise the money to minimize her losses. "Can you give me a moment? I will reply to you as soon as possible."
Mr. Gabrin clicked, "You have three days to make a choice. I will come back in three days. During this period, I believe that Madam, you and your husband will not leave Staley, right?", Nadia Nodding, Gabrin picked up the tea cup and took a sip of scented tea, then stood up, "Then we'll see you in three days, ma'am..." He turned to look at Walter, nodded, "Mr. Walter." , and after saying this, he left.
After closing the door again, Nadia sat in the living room and looked at her husband. After a while, she asked in an infinitely disappointed tone, "Is your so-called business also lying to me?" She had already It was discovered that most of the dates on those IOUs were when Walter asked for part of the funds from her for the company's operations for various reasons and excuses. To be honest, the money is not much, three to five hundred, seven to eight hundred, and sometimes it is only one or two thousand yuan. She had always trusted Walter and hoped that Walter could run the company well, but she never thought that she was the stupidest one!
Walter didn't speak, and Nadiya stopped asking. She went directly back to the bedroom and locked the door. She squatted in the corner and held her head in silence.
In the next three days, Nadia kept contacting her friends, former colleagues and some relatives, but every time she opened her mouth to borrow some money, those people could find enough reasons to make her believe that they In fact, we also face financial problems.
The only people who lent her money were her parents. The two old people sent her more than 2,000 yuan, which was the most they could afford without affecting their lives.
Walter has been at home for the past three days without saying a word.
On the evening of the third day, Mr. Gabrin came again.
This time he not only came alone, but also brought a lawyer. No matter what, Nadia must make a decision today. He will not waste time here anymore. Either give up the villa according to his wishes, or Just sue to get the money back, either way it won't continue to encroach on his time. He still has many "bureaus" to organize, and wasting time is tantamount to murdering the future.
Welcoming Mr. Gabrin and his lawyer into the home again, Walter did not show up. He was resting in the guest bedroom. He tried his best not to meet Nadia in the past few days. He didn't know what he should say. He knows he's a jerk, so he doesn't want to make himself more annoying.
"Ms. Nadia, have you decided?" Gabrin picked up the tea cup, blew the tea soup, and took a sip. I have to say that this cup of scented tea tastes very good. It should be the kind that was customized. He likes it very much.
Nadia said hesitantly, "Mr. Gabrin, I have raised more than 60,000 yuan in cash, and I am still a little short. Can you extend it for a few more days? I will definitely be able to raise enough money to pay for this." A debt." She mortgaged her car, jewelry and all her luxury goods to the bank to raise the money.
Those luxury goods may cost hundreds or even thousands of dollars each when purchased, but when they are mortgaged to the bank, they may only be half or even one-third of the original price. This is not because banks are ruthless. First of all, these luxury goods have been used by others. Real rich people who are not short of money cannot buy things that others have used, otherwise they will lose value. People who are willing to buy these second-hand luxury goods are often those who have a little money but are not so wealthy. They are not pursuing first-hand experience, but simply want to decorate their dignity.
Therefore, they will not offer too high a price, which is not cost-effective. In order to maximize profits, the bank cannot set the price to the normal value of the item.
In fact, if there is more time, these luxury goods can be sold at a higher price, but now Nadia's pursuit is to collect the money as soon as possible, so she can only pack these things as garbage and mortgage them to the bank.
"Ms. Nadia, I have given you three days of grace to give you more time to raise the funds, but I also hope you can understand that my tolerance is not a reason for you to delay. I am very sorry that I cannot give you more time. More time, you can make a decision now. Whether it's option one or option two, that's what I end up coming here for, and if there is one later, it will be my lawyer who contacts you." I put a small snack on the plate into my mouth, tasted it, and couldn't help but raise my eyebrows, "It tastes good!"
Nadia stood up after a moment of silence, "I think I understand, can I make another call?"
"That is your right, ma'am."
Du Lin, who was far away in the imperial capital, was reading a book. Reading in his spare time had become a habit for him, until the sound of footsteps disturbed him. He turned back to look at the housekeeper who was walking over with a phone in hand.
"Sir, your phone number is from a woman, and she sounds like she's not doing well."
(End of chapter)