Enemies Are All Nourishment for My Fungi-Chapter 120 Debt Collection by Loan Company (9)

Just then, someone knocked on the door.

She visibly saw her mother, who was cooking, shudder.

"Someone’s knocking?"

"Seems like it," Ye Nai turned around calmly, "Keep an eye on the stove, I’ll go check."

Returning to the entrance, the door had already sounded several times, but her father and siblings also hadn’t opened it, all standing somewhat frightened and uneasy in place.

"Coming, coming, who is it?" Ye Nai called through the door.

"Is this Mr. Ye Yu’s residence? We are here for a home visit."

The voice of Captain Xiao Ni came from outside the door, his way of speaking seeming quite refined.

"Home visit? What home visit? What’s there to visit about on the first day of the New Year?"

"Mr. Ye Yu’s family matters need to be suppressed quickly, we are here for that, you wouldn’t want to discuss this in the hallway, right?"

Ye Nai looked back at her father and then at her mother at the kitchen door, took a step forward, pressed against the door panel to push down the doorknob, and slowly cracked open the door to peek outside.

This peek was for her parents to see from behind her, her intention in opening the door was to hand over the property deeds and contracts stored in the Space to them.

Arriving as employees of the rental company, Captain Niu and Captain Xiao Ni both wore business trench coats, clearly just bought off the street.

After handing over the documents, Ye Nai even gave them both a thumbs up.

Then she stood up straight and pushed the door completely open.

The two captains walked into the room, closed the door behind them, but only stood at the entrance, not venturing further inside.

With a stern face, Captain Niu leaned on the door panel, while the amiable-smiling Captain Xiao Ni took a step forward.

Their physiques and somewhat dubious charisma brought back memories of the previous night to the Ye Family, rendering them unable to move a step.

Responsible for conducting the negotiation, Captain Xiao Ni swept his gaze around.

"Both spouses are home, very good."

Then, he pulled out the property deed ledger and two contracts from his coat.

"Please verify, this is your property deed, correct?"

Ye Yu and Yu Qing rushed over one after the other, shoving Ye Nai aside, trying to snatch the property deed.

"Hey, hold on, this isn’t being returned to you yet."

Quick-eyed and quick-handed, Captain Xiao Ni stuffed the property deed behind to Captain Niu.

"What are you doing? What do you want to do?"

With his big build and muscles that couldn’t be concealed even by clothes, Captain Niu made the couple instantly calm down, Yu Qing retracted her hand waving the frying pan, wearing a face that seemed unsure why she was holding it.

"We came to inform you that Beiling Credit has blacklisted you and sold your debt to our company, which primarily manages property leasing—buying up houses that debtors can’t redeem, cleaning them up, and renting them out to make some rental money."

"What? My house...?!" Ye Yu felt a bit dizzy and weak at the knees.

"They sold my house to you, and you want to take it? Kick us out?"

Yu Qing gripped the frying pan tightly, appearing as though she wanted to pick it up and strike each of the two men in front of her.

"Yes, we’re taking the house unless you can return the 220,000 to us."

"Why 220,000?!"

"Because we bought it from Beiling Credit for 210,000, a 10,000 markup after one exchange is very normal, right?"

Ye Nai nodded silently behind them. True to their reputation as cunning leaders, they spoke thoroughly; failing to pay back the 210,000 to the financial company, they’d have to return 220,000 to the rental company.

"...What’s normal about that?!"

Yu Qing screamed, threw down her spatula, and turned around to grab Ye Nai’s sleeve, pushing her forward.

"You, take back the house deed and drive them out, drive them all out."

Ye Nai, pulled by her mother, staggered but stood still.

Captain Niu leisurely opened his coat and pulled out a handgun.

"...Ah! A gun!"

This content is taken from freёnovelkiss.com.

Ye Yu was the first to see it and immediately raised his hands, then moved two steps toward his wife, restraining her while she was still arguing with their daughter. He twisted her head to make her look at the large man.

"Ah..."

Seeing what was in the man’s hands, Yu Qing suddenly went stiff, like a chicken being choked.

"Mr. Ye, Ms. Yu, don’t be afraid. We have a legal gun license and are professionally trained. Normally, we would not accidentally discharge the weapon, but if negotiations fail, that could change," he said.

Captain Xiao Ni said this very politely, yet his words were a clear threat.

Both were ordinary people, who had spent half their lives as steady office workers, never witnessing such a scene. They immediately held each other and sat down on the floor.

Ye Nai smoothed her sleeves and stepped forward.

"You’re taking the house to rent it out. I can’t snatch back the deed while it’s in your hands, so let’s think differently. What if my family rents this house from you? We’ll pay you the rent, is that okay?"

"That’s certainly possible. That would make things easier for us, but let me be clear, rent will not cover the debt. If you wish to redeem the house, you must pay the full 220,000."

"Then how about this? Give us a deadline. If we pay up within that time, this dispute is settled. If not, then it will become rent. Don’t worry about us running away; the kids need to attend school and the adults need to work. We have nowhere to run."

"Seeing as you’re sincere, we won’t make this difficult for you. Considering the New Year, if you can pay the 220,000 by midnight on the ninth day, the deed will be delivered to you. If we don’t receive the money by then, you’ll be sent a rental agreement instead," Captain Xiao Ni explained.

"Understood, by midnight on the ninth, to which account should I transfer the money?"

Captain Xiao Ni took out his phone, faced Ye Nai, and added her as a "friend". He then exchanged phones with Ye Nai, using her phone to create a transaction in the Awakener app, setting up a temporary escrow account.

The hiring fee when they employed Ye Nai was also managed through such an arrangement; the remuneration would be deposited into the escrow account after establishing and freezing the hiring relationship, paying Ye Nai a deposit and the rest remained frozen until the task was complete and the balance was transferred to her.

This temporary escrow account was established for the financial security of both parties in Awakener transactions; it’s not only used between Awakeners but also in temporary transactions between an Awakener and an ordinary person or between ordinary people.

Either party in the transaction can initiate: one party pays while the other performs the service; canceling the transaction requires mutual consent, and one party can’t unilaterally cancel without a valid reason, ensuring the performer doesn’t worry about not being paid after completing the task.

The transaction Captain Xiao Ni was setting up was specifically for this transfer of the house deed, and even included a photo of the inside of the deed. The deadline for this was set for midnight on the ninth; if the money wasn’t received by then, the transaction would close.

The focus of these transactions is on financial security. As for the content of the transaction, there is no audit; theoretically, it’s possible to trade prohibited items, but whether or not one gets caught is down to luck.

Transactions initiated by Ye Nai’s account could avoid transaction fees, but if an ordinary person initiated the transaction, a fee of 0.5% would be charged.

That meant for this 220,000 transaction, if her parents initiated it, an additional 1,100 would be paid as a transaction fee on the 220,000.