There Are No Villains in My Regression - Chapter 104



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There is no villain in my return episode 104

Thanks to Geum Na-yeon, the loan of 12.8 billion was approved without difficulty.

Shinwoo continued his second meeting with Jeon Dae-gil before purchasing real estate with that money.

He spread out a catalogue and passionately described the garbage-like land and buildings.

“If there is a property you like, choose whatever it is.”

“Hmm.”

He tilted his head when Shinwoo made a displeased expression.

“But why?”

“I regret that I could have borrowed 10 times more if I had used as collateral not only the land and buildings that I own, but also the real estate that my grandfather had not yet given me as a gift.”

“There’s nothing we can do about it.”

Shinwoo seemed to be thinking for a moment, then spoke to Jeon Daegil in a quiet voice.

“I think there might be a way to borrow more…….”

“Here? How?”

“This is the method my grandfather used when he used to rent out houses. It involves using the property that was purchased with a loan as collateral.”

“Is that… possible?”

“What could be impossible? It’s land that I bought for 2 billion won, so the collateral is secure, right?”

This is the way of the future villa kings who put up empty promises.

There are fewer regulations now, making it easier to exploit.

The problem is whether that amount of loan will be available, but Sanoh Savings Bank has already been completely locked out.

“If that were possible, I would buy up all the unsold land in this catalog.”

“……All of this?”

“Yes. The loan is all paid out. If you roughly calculate it, it’s a little over 50 billion, right?”

Jeon Dae-gil blinked and looked at Han Soo-ah.

He is a conman himself, but he doesn’t know if this method is possible.

Hansooah nodded.

“It is possible, but if that becomes a problem, it all falls apart at once.”

“What could possibly collapse? If it’s developed, it will become a conglomerate in one fell swoop. And if there’s any problem, Grandpa will do something about it.”

Shinwoo, who was speaking cheerfully, looked like a typical carefree 20-year-old.

Jeon Dae-gil nodded to Han Soo-ah and went outside for a moment.

“Is this really possible? A loan of 50 billion won?”

“It’s difficult at regular banks. The loan review process is strict and takes a long time. But now San-O Savings Bank says they’ll do it. So there’s no reason they can’t do it.”

“Hmm. What if something goes wrong?”

“Even if we do that, we won’t be able to pay back the money and will have to repossess the collateral. There’s no loss on our side.”

The loan from Sanoh Savings Bank went to Shinwoo and then returned to Heaven to purchase real estate.

And here it goes again, round and round.

“It’s that little kid who has to take responsibility for the loans that have ballooned like a bomb.”

“That’s right. Then you can increase sales by 50 billion won in one breath. Let’s get started right away.”

“Yes. Just trust me.”

It was a ridiculous loan, but it went through without any problems.

The misaligned gears of Geum Min-jun, Geum Na-yeon, and Jeon Dae-gil were all moving in the wrong direction.

They know one thing and not two.

There was a loan of 50 billion, but no one had that much money.

The paper loans piled up like bombs.

“It’s over now.”

Shinwoo received the loan documents that Hansooah had organized.

Their eyes met briefly and sparkled.

* * *

Gangho Investment Development building.

Shinwoo looked down at the loan documents he had received from Hansooah.

Exactly 52.1 billion.

This is the amount loaned from Sanoh Savings Bank using real estate as collateral.

Even if you ask for collateral on top of collateral, it is an impossible amount.

Kim Tae-seok clicked his tongue as he looked over the documents.

“So it turned out just as you said. I never thought this would actually be possible.”

“If it was a normal real estate transaction, it would have been impossible. Sky Land was trying to increase sales, and San-O Savings Bank also gave the money without much review.”

They all moved only according to their own purposes and desires.

Shinwoo just took advantage of that greed.

“52.1 billion? Are these properties really worth that much?”

Shinwoo burst into laughter at Choi Ji-sang’s question.

“No way. If we evaluate it in terms of commercial value, it’s worth zero. It’s land that can’t be developed.”

“But why did you buy it? Isn’t it a huge loss?”

In response, Jang Dong-gi pointed to the name of the contractor on the document.

“Kim Woo-shin? Who is this?”

“I don’t know. Aren’t you the grandson?”

“What about grandchildren! I don’t have any children!”

This is a loan that was given to the wrong person from the beginning.

It is a forgery, with everything from the register of real estate to the copy of the register being fake.

Jeon Dae-gil believed Han Soo-ah because she said it was certain, and San-o Savings Bank believed Jeon Dae-gil.

The reason all this is possible is because their minds are focused on lending and defrauding.

The $52.1 billion bomb is ready, the only question is where and when to detonate it.

“It shouldn’t be left as just a problem of multi-level marketing companies.”

SkyTer acts as a safe for San-O Savings, which is short on cash, by lending out huge amounts of money.

At the same time as blowing them up, the liquidity problem of Sanoh Savings Bank will also be triggered.

“Sir, please prepare yourselves. It’s time to hunt the con artists.”

“This is my first time doing something like this, so I’m nervous. But at the same time, I’m also excited.”

A month has passed since I received the loan and the date for the interest to be deposited has arrived.

That amount alone is over 500 million won.

But the money was not deposited, and Jeon Dae-gil went to find Han Soo-ah.

“That little brat ended up taking it all on himself. It happened faster than I thought.”

“Shall we apply for the auction right away?”

“Do you really need to do that? That little brat. Find him, yell at him, and coax him. He’ll probably vomit it out on his own. Hehe.”

“What should I do if a fight breaks out for no reason?”

“Why are we fighting when we’re doing it legally?”

Jeon Dae-gil prepared to go out, making a fuss.

I brought along some staff members who were prepared to put in some effort in case of an emergency.

Han Soo Ah, who was watching his back, let out a light sigh and called Shin Woo.

“I’ve set off on my journey. I’ve also brought the safe key.”

Hansooah said, looking down at the keys in her hand.

To get this, I even pretended to be Jeon Dae-gil’s lover for a month.

-Thank you for your hard work. I’ll be there in 5 minutes.

After a while, Shinwoo entered the office.

Unlike his usual visits to this place, he took off his glasses and came in with Oh Cheol-gi and the men next to him.

“……Mr. Kim Woo-shin? How is it here?”

Before Shinwoo could say anything, Oh Cheol-gi and his men pushed the employees aside.

There was no significant resistance as most of them followed the same path.

“Where’s the safe?”

“This way.”

The room is locked with a number key.

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Oh Cheol-gi lifted the fire extinguisher, broke the handle, and forced it open.

Inside stood a safe as tall as a person.

“Open.”

The person who knows the password and has the key is Han Soo Ah.

Standing in front of the safe, she looked at Shinwoo.

“I promise you again. I will let you go.”

“If anyone heard, they’d think I was forcing them to come along.”

Hansooah is sincere.

Rather than being involved with Shinwoo, she wants to be completely separated from him.

“If you don’t do anything to meet me again.”

“Okay. That’s something I don’t want either.”

Hansooah turned the dials on the safe and inserted the key.

The safe door opened with a creaking sound.

What’s inside are not currency or bullion, but hundreds of bearer bonds.

Most of the revenue from SkyTerrain is cash.

I can’t just return it to Sanoh Savings Bank.

The method they chose was to transfer money by purchasing government bonds or collateralized bonds from Sanoh Savings Bank.

For someone like Geum Min-jun, he used his head quite a bit.

“Take everything.”

There are enough to fill ten large suitcases.

Among them, one bag containing government bonds belongs to Han Soo-ah.

Shinwoo left and said his final goodbyes to Hansooah.

“Let’s never see each other again.”

* * *

At that time, Jeon Dae-gil arrived at Shin-woo’s address.

The newly built building looked quite expensive.

“Everyone, stop being so threatening.”

“Understood, sir.”

After pressing the bell, Kim Tae-seok’s voice was heard from the intercom a moment later.

-Who are you?

“Are you Mr. Kim Tae-seok? I have come to see your grandson.”

-Oh, really?

As the front door opened, Jeon Dae-gil pushed it open and went in.

Kim Tae-seok walked out into the garden.

“Ah. This house is nice. If I sell this place, I can pay off my debt, right? Right?”

“That’s right, sir.”

“If it’s not enough, should we just pull out some trees?”

He deliberately tried to threaten Kim Tae-seok by showing a rough attitude.

But there is no change in his expression.

“You came because of my grandson?”

“Yes. That grandson got a loan and is not paying it back. I need to see his face before I take the collateral. Where is he?”

“I don’t know.”

“No. You old man. This isn’t a problem that can be solved by saying you don’t know. Do you think you only borrowed a few pennies? Do you think you’ll come to your senses only when your grandson dies?”

I expected the rich old man to give me money for his grandson.

Jeon Dae-gil felt something strange as he watched Kim Tae-seok still not saying anything even in the harsh voice.

“Okay. Search the house thoroughly.”

He headed home with the attitude that he wouldn’t let the staff stop him.

But before I could open the door, it burst open and men with menacing expressions walked out.

“What are these little rat-sized bastards?”

“Who dares to come into my house?”

The fierce mood that had been there until just now suddenly subsided and he looked down at Jeon Dae-gil.

“Sir, what should we do?”

“Hey old man, this won’t help you. Your grandson has a loan secured by the property. Look!”

When the loan agreement was thrust into his hands, Kim Tae-seok read it.

And then he blurted out the comment he had already prepared.

“Haha. You guys got hit too.”

“what?”

“In the first place, I don’t have a grandson named Kim Woo-shin. I’m alone.”

“What the hell are you talking about! I came with you to the business presentation. I saw it clearly.”

“We just happened to run into each other a few times. When did I ever call you my grandson?”

“Then this contract document…?”

“This is all fake too.”

The sudden situation caused Jeon Dae-gil to panic.

Come to think of it, it was Han Soo Ah who said that the two were related by great-grandfather and grandson and who wrote the documents.

A thought crossed my mind.

“……Contact the office right now.”

Jeon Dae-gil tries to contact Han Soo-ah, but the number he had been calling from just yesterday appears to be an unavailable number.

“Sir, I’m not answering your calls.”

They returned to the office in a hurry, but what they found was an empty safe.

Jeon Dae-gil’s expression became blank.

The fact that the bonds were sold off is a different story from simply losing money.

Corporate bonds are literally loans from companies to investors.

Investors become creditors and pay interest.

Most of the money stolen from Skytree was converted into bonds from Sanoh Savings Bank.

Its price is approximately 60 billion, and there are 30 billion in bearer treasury bonds.

“……90 billion was lost.”

It’s not just a question of money.

If a person holding a bond from San-O Savings Bank demands money at maturity, he or she must repay it all at once.

The situation is already one where funds are insufficient due to loans.

“If this becomes known, I won’t be able to die gracefully.”

I need to get it back somehow, but I can’t see a way.

I had to run away before this became visible.

As I was leaving the office, one of the employees approached me urgently holding a laptop.

“……Sir, we’re in big trouble!”

“What now?!”

This is news from an internet newspaper I’ve never heard of called [Epic Today].

[Get rich by selling fraudulent items? The whole story of the Sky Terra multi-level fraud]

[At the Haneulter business briefing, there, CEO Jeon Mo divides the members into levels and says that if you reach the highest level, you can become rich. However, it is all a terrible scam. Most of the items sold at Haneulter are low-quality items that have been returned, and they do not produce any items themselves.]

“Fuck. You only see this kind of news once or twice? Just ignore it.”

“This time it’s not something we can simply ignore.”

[… … The evil aspect of SkyTer is that it forces its members to take out loans. They tell them to take care of everything from selling items to insurance, and they force them to take out loans to cover any remaining funds. The one who actively participated in this process was none other than San-O Savings Bank, a second-tier financial institution. Last month, the amount of money they lent to SkyTer members was 50 billion won… … ]

Jeon Dae-gil’s hands were trembling.

I don’t know about anything else, but the connection with San-O Savings Bank must never be known.

He threw down the laptop he was holding and headed outside.

But when the door opened, what I was greeted with was a civil servant ID card.

“Oh my. Where are you going in such a hurry? You need to talk to me first.”

The face smiling brightly is none other than Prosecutor Na Dong-gu.

Investigators stood behind him.

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