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00:00My name is Lin Fan. I'm a lawyer. Been working for 10 years. Saved enough for a down payment on
00:04a house.
00:04Was about to sign the contract. But then I found out the 500,000 I'd worked so hard to save
00:08was taken by the bank.
00:09I went to the bank, and they said, my dad owed a loan of 1 million.
00:12Lin De Hai's loan was overdue for 3 years. Overdue fines and penalties totaled 1 million.
00:15You're the guarantor, and you have inheritance rights. This money, you have to pay it back.
00:19But my dad, he passed away 5 years ago. I went back to my hometown, to find out what was
00:23going on.
00:24Turns out, my grandparents, my great-grandparents, all had loans of over a million on their heads.
00:27I showed them the death certificates, but they didn't believe me.
00:30They said unless I bring my great-grandparents, grandparents, and dad in person, they won't give the money back.
00:34If 3 people can all have loans. No choice.
00:36I have to be unfilial, and bring out all my ancestors from the past 18 generations to meet them.
00:40I've worked for 10 years, never taken out any online loans or credit cards.
00:43Where would I have debts? What right do you have to freeze my account?
00:46Stop yelling. You think the bank is your local market? It's clearly shown in the system.
00:49Your dad, Lin De Hai, borrowed 600,000. We couldn't get in touch with him.
00:52You're the guarantor, so you have to pay it back.
00:54My dad, a loan, 600,000.
00:56That's right. Your dad took out the loan 3 years ago.
00:58Principle of 600,000. Overdue interest and penalties total 1 million.
01:01After deducting the balance in your account, you now still owe our bank 500,000.
01:04What? Overdue for 3 years? That's impossible. My dad passed away 5 years ago.
01:08Fan. Dad hasn't been able to support your education.
01:10We've emptied the family savings. In this passbook, there's the last 20,000.
01:13Keep it. Save up to make a living in the big city.
01:16Dad, I will make something of myself.
01:18I just want you to be well.
01:20No, no, no. Even if my dad had an unpaid loan, he would have told me.
01:24This must be a mistake. My dad never told me about any loan.
01:27Could you please check again? Maybe it's a different person with the same name.
01:30Stop making excuses. I've seen plenty of deadbeats like you.
01:32When borrowing, you play pitiful.
01:33When repaying, you act like a big shot.
01:35As soon as we enforce the deduction, you come running saying it's a mistake.
01:37Our system is connected nationwide. It can't be wrong.
01:40Instead of wasting time arguing with me, you'd better just get the money together and pay up.
01:43Deadbeat, pay up.
01:46Look carefully. This is my dad's memorial photo. He passed away five years ago.
01:50Tell me, how could a dead person three years ago get a loan from your bank?
01:55If you can't pay, fine. And you cursed your own dad to death. You're such a good son.
01:59Look at him, dressed like a gentleman. Who would have thought he's a deadbeat?
02:02Exactly. So many people forge documents nowadays to avoid debt.
02:05He even cursed his own father. That's really low.
02:08Forgery? I'm a lawyer with 10 years of experience.
02:10Do you know the consequences of forging documents?
02:12I know better than you.
02:13If you don't believe me, report it to the security team.
02:15Let them prove it for me.
02:16Hold on. You. Why are you shouting?
02:18The system shows Linda High's loan is overdue.
02:19You're the guarantor. As a bank employee, I follow the procedures.
02:22Do you have to make a big deal out of it?
02:23I swear. My dad never told me about the loan.
02:25And I never signed any guarantee agreement.
02:26Pull up the loan details. Let me see what this is all about.
02:29Aye. All I can see is that your dad's loan is overdue.
02:31For specifics, you need to go to the loan location to check.
02:33Where is the loan location?
02:35Jing Shan Village, Bronx.
02:36What?
02:37That's actually my hometown.
02:38What?
02:39Now you remember.
02:39Jing Shan Village is a poor village for miles around.
02:41My dad spent his whole life farming the land.
02:43He knows nothing about commercial loans.
02:45Wait. I'll go back and get to the bottom of this.
02:47What I owe, I'll pay every cent.
02:48What I don't owe, no one's getting a penny from me.
02:54I want to check the accounts.
02:55Head office says I'm a guarantor.
02:57My father, three years ago, borrowed 600,000 from your bank.
02:59I want the loan contract from back then.
03:00Hold on.
03:02Well, who's all fired up?
03:03Turns out it's my old classmate, the big lawyer, farmer.
03:05What's the matter?
03:05Rural co-op.
03:06Rural co-op.
03:07Couldn't make it in the big city?
03:08Can't handle the big city, so you come back to throw your weight around.
03:10Yilei, what are you doing here?
03:12I'm now the interim branch manager of Jing Shan Village sub-branch.
03:15I'll be officially confirmed tomorrow.
03:16Great, old friend.
03:17Could you check for me?
03:18My dad passed away five years ago.
03:20How could a dead man take out a loan?
03:21And how did I become the guarantor for no reason?
03:23Didn't you hear our lawyer Lin's request?
03:24Hurry up and get the contract, so he can have a look, lest he says we're not playing by the
03:27rules.
03:28Okay, Mr. Lin, the contract shows that three years ago, Linda High did indeed take out
03:32a commercial loan from our bank, 600,000.
03:34That's impossible.
03:35The handwriting is exactly like mine.
03:38Old friend, old friend, I thought you were doing so well in the big city.
03:41Never expected you'd have a deadbeat dad dragging you down.
03:43No, this handwriting looks like mine, but I'm sure I never signed this document.
03:45Besides, my dad died five years ago.
03:47A dead man, how could he get a loan?
03:49What's going on?
03:50I remember old Lin has been gone for five years.
03:51How did a loan just pop up?
03:53That's really strange.
03:54These days, dead people can still be in debt.
03:56I bet it's just a bank system error.
03:57Don't be ridiculous.
03:58Technology is so advanced now, how could the system be wrong?
04:00The contract is clear in black and white, and it's written plainly.
04:03The system shows the money was dispersed, so it was dispersed.
04:05As for how his dad got it, we should ask our lawyer Lin if he's been exploiting legal
04:08loopholes to get loans.
04:09Absurd.
04:10I'm a lawyer.
04:10I would never do anything illegal.
04:12Oh, really?
04:13You owe money, and still try to play games with me, putting on an act.
04:15Have you no shame?
04:16Since you're back this time, let's settle the debt of three generations of your family all
04:19at once.
04:21Lin Dashen, loan overdue, 1 million, 1 million.
04:24Lee Shofang, loan overdue, 1 million, 200,000.
04:27Lin Jiajun, I not only guaranteed loans for my grandparents, but also for my great-grandparents,
04:30and all their loans are overdue, totaling 5 million.
04:34Lee, is your bank crazy?
04:35My grandparents passed away 20 years ago.
04:37My great-grandparents are even more so, their ashes have turned to dust.
04:40You tell me, how can dead people get loans for millions?
04:42And you guys, how did you approve them?
04:44Lin Fan, why are you shouting?
04:45We are a legitimate institution.
04:47All data is based on the system.
04:48The system shows the loan was dispersed, so it was dispersed.
04:50You are the guarantor, so it's only right that you pay back.
04:52As a lawyer, I can tell you clearly, the deceased cannot get loans.
04:54Forging loan documents is fraud.
04:55We will be held legally responsible.
04:57I demand you investigate immediately and delete these false records.
04:59Whether to investigate is an internal bank matter.
05:01The fact now is you, Lin Fan, are a blacklisted person in our system.
05:04You're a deadbeat.
05:05Ha!
05:05Look at him, all dressed up.
05:06Never thought behind the scenes he does such shitty things.
05:08And he's a big lawyer, so shameless.
05:10Exactly.
05:10I bet his big city house down payment could very well be money scammed from the bank.
05:13Indeed, you can know a person's face, but not their heart.
05:14The whole family is a bunch of shameless deadbeats.
05:17Ha!
05:19Take a good look.
05:20This is my father's death certificate.
05:21Household registration cancellation certificate.
05:23Black and white, official seal.
05:24He died five years ago.
05:25My late grandparents, the loans on my great-grandparents, are even more baseless.
05:28I demand you right now erase the loan records.
05:30Holding a bunch of fake certificates.
05:31You want to escape millions in debt?
05:32Cursing your own family to die out?
05:33Ilay, what are you doing?
05:34Lin Fan, we were classmates.
05:36I advise you to save your energy.
05:37We only go by what the system shows.
05:39If the system says you owe, then you owe.
05:41Unless you let them personally bring the documents to the bank to testify for you.
05:49Lin Fan, I just found your dad's bank statements from before he passed away.
05:52Something is very wrong.
05:54Now, three years ago, there was indeed a loan of 600,000 deposited into your dad's bank card.
05:58But after the money arrived, within less than an hour, it was quickly split and transferred
06:01to six accounts.
06:02What did you say?
06:03One of those accounts belongs to the Qingshan Village sub-branch's intern manager, Ilay.
06:05The remaining accounts are all connected to Qingshan Village's village chief, Yi Chiang,
06:08and his relatives.
06:09Ilay, Yi Chiang.
06:10So, it's your father and son behind this.
06:12Binzi, help me organize these bank statements.
06:13Tomorrow, I'll take this evidence and find them for a face-to-face confrontation.
06:18Son.
06:20After all, Lin Fan has been in the city as a big lawyer for 10 years.
06:23He knows a lot of people.
06:24What if he finds out something?
06:25What will we do then?
06:26Dad.
06:26Even if Lin Fan is a dragon, when he comes back to our Qingshan Village, he'll have to
06:29curl up obediently and listen to us.
06:31Don't worry.
06:32I drafted that contract myself.
06:34No one can tell it's fake.
06:35Besides, with Lily covering for us at the head office, no one will discover anything.
06:38Exactly.
06:38We're just following the system.
06:39Compliant and legal.
06:40How could they get the three of them to come out and testify for him?
06:43Besides, as long as the system shows that he owes us money, no matter how much savings
06:46he has, the system will reasonably forcefully deduct it.
06:48It'll go straight into our pockets.
06:50We don't have to do a thing.
06:51Just sit here and count the money.
06:52Son, you're the clever one.
06:53You can not only get a cut from the three, but also make him willingly give us another
06:56sum.
06:56Brilliant.
06:57Absolutely brilliant.
06:58This is nothing.
06:59The best is yet to come.
07:01Tomorrow is your official start.
07:02The great day you become bank manager.
07:03Once you become full-time and have control of the whole sub-branch, from then on, we can have
07:06as much money as we want, whenever we want.
07:14Uncle, what are you doing here?
07:16Xiaofan, I just heard from everyone that you were in there with the village chief's family
07:18and that kid started arguing, so I came to check on you.
07:21A few years ago, the Heath family applied to the county to set up a branch bank in our
07:24village.
07:24Everyone's money is deposited with them.
07:26Now nobody dares to stand against their family.
07:27Their improper operations made three generations of my family inexplicably be saddled with loans.
07:31If this isn't resolved, I won't let them off.
07:32Strangely enough, five years ago, when your dad was still alive, the village suddenly said that
07:36the higher-ups were going to issue new rural renovation subsidies.
07:38Money per person.
07:39At that time, the Heath father and son organized the whole village to hand over ID cards, household
07:43registers, and bank cards, saying they would go to the city to handle it collectively.
07:46They kept them for a whole week before returning them.
07:47What about the subsidy money?
07:48Everyone waited for years and didn't see a single cent.
07:50They went to ask Hu Chang.
07:51He said the policy changed and the money wasn't approved.
07:53But, since then, the Heath family first built a bank and then built a two-story villa.
07:56They've been living it up.
07:57It's all fate.
07:58I see.
07:58There was never any new rural subsidy.
08:00Hu Chang used the whole village's personal information colluded with his son in the bank to fraudulently obtain
08:03huge loans and pocketed the money.
08:04Heaven won't tolerate this.
08:06Xiao Fan, what do you mean?
08:07Since you all have no fear of the law, and even want to make three people personally go
08:10to the bank to testify, then I'll give you what you want.
08:12Uncle, I don't believe in fate.
08:13I only believe in fairness and justice in this world.
08:15I want to ask you for a favor.
08:16Xiao Fan, what are you going to do?
08:18Dig up a grave.
08:20And exhume the coffin.
08:25God.
08:26Not as bullies because the Lin family has no one.
08:28They not only suck your blood, but also make you sand bear the deadbeat blame.
08:31If I don't avenge this, I, Lin Fan, am unworthy as a son.
08:34Forgive me for being unfilial.
08:36Tonight, I'm afraid I will disturb you guys.
08:40The rain today is great, just like our family's fortune.
08:42It's unstoppable.
08:43Red Q. Jan Jan today still challenged us at the bank, said he'd use the law to punish us.
08:47I don't believe he can actually do it.
08:48He just read a few lousy books.
08:49Thinks he's hot stuff.
08:50Dad, now.
08:51Xinjiang Village is under our control.
08:52I don't believe he can really dig up his ancestors three generations back.
08:55All right.
08:55Once I officially become the bank manager tomorrow, from then on, we can have as much money as we want.
09:02Chao Fan, the villagers are all here.
09:05Second uncle, thanks to you this time.
09:07Once things are done, I'll make sure to thank everyone properly.
09:09Chao Fan, though we are all simple folk, we keep a clear account in our hearts.
09:12When the village was hit by disaster back then, everyone was sick and had no money for treatment.
09:16It all depended on your father borrowing money to help.
09:17Later, you became successful, became a lawyer in the city, and helped us with many troubles.
09:21That's right.
09:22Fan, our whole village always remembers the kindness of your Lin family.
09:26Ancestors Lin Fan, descendant of the Lin family, today is unfilial to disturb you.
09:29The Great Brown.
09:42Shao He, though young, manages and operates well, greatly improving the performance of our branch.
09:47He's the pride of our town.
09:49My son is so accomplished.
09:51That Lin Fan kid yesterday was still blustering around here, today, on this joyous occasion, not even a trace of
09:55him.
09:55Exactly.
09:56I think he's probably scared stiff.
09:57He's probably hiding somewhere scraping up me.
10:00You took my savings, slandered the Lin family's honor.
10:03My rights cannot be trampled by you parasites and left defiled.
10:06Today, I will reclaim my honor, step by step.
10:09Come, Shao He, sign this appointment letter.
10:11You'll be the official head of our Qingshan village branch.
10:20What's going on?
10:21Where are the security guards?
10:22Who led outside that unlucky thing?
10:25Branch manager, something's wrong.
10:26Someone's making trouble at the door.
10:27What?
10:30A coffin?
10:35What is this?
10:36Shao He, what's going on?
10:40I, Lin Fan, today, as the bank requested, have invited the Lin Hox sisters themselves to confront you all face
10:44to face.
10:45Please tell me, the 5 million from the 3 person loan, where did it actually come from?
10:55Lin Fan, why are you bringing this unlucky stuff into the bank?
10:58Get all this stuff out of here, before it offends the higher ups.
11:00Get it out.
11:01President He, didn't you say you handle business by the system?
11:03And the person must be present.
11:05Today, I've brought them all here for you.
11:07You're talking nonsense.
11:08Sir, don't listen to his ravings.
11:09He's deliberately causing a scene.
11:10Jealous of my security guard number 3.
11:11Where is he?
11:12Throw them out.
11:13Who dares move?
11:18President He, this is what you gave me the overdue loan notice.
11:21Today they are right here.
11:22I ask you now, in front of everyone, tell me.
11:24How did these dead people manage to borrow 5 million from your system?
11:29Shao He, is what he said true?
11:30Sir, don't misunderstand.
11:31It's the Lin family who owe the money and won't pay.
11:33I was just following procedure to collect the debt.
11:35I didn't expect he wouldn't pay, and instead pull this stunt.
11:38Can't you see the town head is still here?
11:40Look, you go back first, and I'll help negotiate a solution later.
11:42Yeah, the system shows their whole family are deadbeats.
11:44We're just doing things by the book.
11:45Who knew he would bring these things to scare us, trying to dodge the 5 million he owes the system?
11:49You're calling me a deadbeat?
11:50Fine.
11:53Lin Dashan, my grandfather, died 10 years ago.
11:55He has an overdue loan of 1 million in his name.
11:58My grandmother passed away 16 years ago, her ashes have long turned to dust,
12:00and she has an overdue loan of 1.2 million.
12:02Even my great-grandfather, my great-grandmother, people whose graves have been overgrown for years,
12:05yet 3 years ago, in your system, they borrowed over a million.
12:07Now you tell me, how did these dead people become deadbeats?
12:17Gosh, this guy's been around for 30 or 40 years, and he can still get a loan?
12:20Shut up, Lin Fan, you're spreading lies.
12:22Take your bad luck and get out.
12:24Don't disgrace our Chingshan village.
12:25Exactly.
12:26You bring a few scraps of paper and that proves nothing.
12:28Fake documents are everywhere these days.
12:30Don't think you can fool us with those forged papers, town chief.
12:32That's right, chief.
12:33Don't let him fool you.
12:34Deadbeats have all kinds of tricks.
12:35To avoid paying their debts, they can make any fake document.
12:39Okay.
12:40Since you don't believe the evidence, then today, in front of everyone, I'll open the coffin.
12:44I'll let them, one by one, settle the accounts with you.
12:47Son, what do we do?
12:48If they open the coffin, won't our lives be exposed?
12:51Wait a minute.
12:53Are you opening the coffin in front of all these villagers deliberately trying to bring bad luck to everyone here?
12:56You said the proof was fake, and insisted on seeing the real people.
12:59That's why I specially invited them out for you.
13:03Now I see it clearly.
13:04This is a crooked bank.
13:05How can we deposit money here in the future?
13:07I want to withdraw my money.
13:08Everyone, stop, Mr. Lin.
13:10I understand your concerns, but opening a coffin in public will frighten everyone.
13:13It's a disturbance of public order.
13:15It's not appropriate.
13:17Fine.
13:18Since the chief is worried about scaring everyone, I won't open the coffin for now.
13:23Chief, these are from my Lin family, the household registration cancellation records for five generations.
13:27Every document has an official stamp.
13:29These are my grandparents and great-grandparents.
13:32If you don't believe me, you can open the coffin and check.
13:35This is from five years ago, the day of my father's funeral,
13:37when the whole village came to sign the condolence book and give gifts.
13:40The lives and deaths of five generations of my family prove how absurd this $5 million loan is.
13:44Please take a careful look, Chief, and clear the Lin family's name.
13:56This document.
13:57Sir, don't listen to his lies.
13:58You think a few papers can erase a 5 million debt?
14:00Lin Fan.
14:00Do you think our system is a joke?
14:02You come with a few papers and think you can overturn the bank's accounts.
14:04Dream on.
14:06He lay is the one fabricating things.
14:08The system, you're the ones treating it as a joke.
14:11This is what we found the bank's internal transaction records.
14:13Three years ago, the loan under my father's name was split up immediately after it was received and transferred to
14:17six different accounts.
14:18One of which was, he lays your account.
14:19I ask you, how did the three of you get the loan?
14:21And how did you precisely funnel the money into your pockets?
14:25Oh my god, the thief crying thief.
14:27Using a third party to borrow money and sweat the spoils, how shameless.
14:32He lay, is what he said true?
14:37Sir, don't believe him.
14:38This is all forged by him.
14:39You don't know yet?
14:40He's a lawyer.
14:41He's an expert at using these tricks to frame us.
14:43This is definitely forged.
14:57He lay.
14:58Sir, they suspect the authenticity of these documents.
15:00All the evidence is here.
15:01We have no choice but to report it.
15:02Right.
15:03They have to give us an explanation.
15:04The money in this bank, it's our hard-earned savings.
15:06We need a thorough investigation.
15:07We need to report it.
15:09If the investigation results turn out to be exactly what Lin Fan said, I'll look like an incompetent town leader.
15:14It might even jeopardize my position.
15:16Son, what do we do now?
15:17It's all blown up.
15:20Quiet down.
15:21Regarding the loan issue that Mr. Lin raised, I will submit the relevant evidence.
15:24Since the Dachian Sinong Cooperative, Qingshan Village Branch, followed all procedures properly, in this dispute, it bears no responsibility.
15:30Sir, what do you mean by that?
15:31The evidence is all here.
15:32Mr. Lin, I completely understand how you feel.
15:34But according to the system, the guarantor was indeed your signature.
15:36For now, it can only be seen as a mistake by the loan officer.
15:39As for your suspicions about the bank, I will report them on your behalf.
15:41What did you say?
15:44Mr. Lin, calm down.
15:46About the system, the higher-ups need to investigate it uniformly.
15:48The procedures here are very complicated.
15:49You can't overstep your authority.
15:50Overstep my authority.
15:52Ross, you late stole my identity.
15:53And forged loan contracts with my info.
15:55Legally speaking, his actions are extremely serious.
15:56The amount he defrauded might be even larger.
15:58Lin Phan, stop struggling.
15:59Even the town chief now doesn't believe what you say.
16:01Just take your unlucky stuff and leave.
16:04Ilay, as an intern bank manager, you have serious dereliction of duty in management, causing this kind of improper business
16:09operation issue.
16:09You are also responsible.
16:10I declare today's appointment meeting canceled.
16:12Effective immediately, I formally remove you from the position of bank manager and deduct one year's salary.
16:16From now on, you'll start as a regular teller.
16:19Boss, a person who's been dead for 20 years can suddenly come back to life in the system and sign
16:22a loan?
16:23This is definitely not a simple business error.
16:25Mr. Lin, I have already given the fairest outcome.
16:28Today, you caused a scene at the bank with five coffins, which seriously disrupted normal order.
16:31As for these materials, I will submit them.
16:33During this time, just wait for the results patiently.
16:36You...
16:36Everyone, disperse.
16:37The bank will continue operating.
16:39Anyone who continues to cause trouble, will be dealt with as disturbing the peace.
16:44Old classmate, after reading a few lousy books, you really think you're hot stuff.
16:47Let me tell you, in Chingshan village, you have to listen to the He family.
16:53The Lin family has been upright for generations.
16:55But now I'm about to be labeled a deadbeat.
16:58Dad, just give me some more time.
16:59I believe in justice and fairness in this world.
17:01I'll take the evidence and get back everything that's ours.
17:07That's second uncle's house.
17:08Second uncle's house.
17:11Sun Da Shuang, we've been farming all our lives.
17:13Even including our little convenience store, we've never seen this much money.
17:16You'd better come clean.
17:17Have you been out there, doing something behind my back?
17:19Some shady business?
17:20What's this money about?
17:21I swear I never touched it.
17:23There must be a mistake.
17:24When did I ever borrow this much?
17:25I...
17:26I don't know anything.
17:27Look, it says right here, clear as day.
17:29Overdue loan notice for Sun Da Shuang.
17:31One million two hundred eighty thousand.
17:33You took this much money, what did you do with it?
17:36What?
17:39Second uncle?
17:39Aunt?
17:41What's going on?
17:43Xiao Fan, you're a big shot lawyer.
17:45You've seen a lot.
17:46Take a look at this for Auntie.
17:47This debt collection text, it says your uncle owes a full one million two hundred eighty thousand.
17:51We've been farming all our lives, never even seen a hundred thousand.
17:53Now all of a sudden we're saddled with over a million in debt.
17:56Our bank accounts are frozen.
17:57What are we supposed to do now?
17:59They're forcing our whole family into bankruptcy.
18:02Loan overdue, forced freeze.
18:05Why are you two arguing in the middle of the night?
18:07I have no idea what's going on.
18:08Suddenly the bank declared the loan overdue.
18:10They say I owe one million two hundred eighty thousand.
18:11How is that possible?
18:12Old son has been honest his whole life.
18:14How could he suddenly borrow so much money?
18:15I also heard today that Xiao Fan went to the bank about a loan.
18:18All these strange things happening together.
18:19Maybe it's that bank of fees.
18:20That's really got a problem?
18:22I put my entire life savings in that bank.
18:25No, no way.
18:27My card, my card is frozen too.
18:28What?
18:28Your family also took out a loan?
18:33The sky is falling.
18:35I never borrowed any money.
18:37My card is frozen too.
18:38Two million in overdue loans.
18:40What is going on here?
18:41He Lei, He Chiang.
18:42Your dirty hands have finally reached everyone in the village.
18:45Xiao Fan, we've been law-abiding our whole lives.
18:47How in one night did we all become deadbeats facing prison?
18:50Xiao Fan, tell us.
18:51What are we going to do now?
18:52Don't worry, Auntie.
18:53I'll figure something out.
18:54I refuse to believe the He family can rule the roost.
18:57Vinzi, there's something only you can help me with.
19:00Pull up a bigger data set for me.
19:02I want everyone in the entire village.
19:03Over the past 10 years, all the credit scandals.
19:05Got it.
19:06Dan, I'll organize it and send it to you right away.
19:09It's over.
19:10Completely over.
19:11I just checked the accounts with Old Lee.
19:12His family got settled with 1.5 million.
19:14My family, 1.2 million.
19:16And Xiao's family just checked too.
19:172 million.
19:18And Elias and Nijans, everyone got trapped.
19:20Hundreds of households in this village.
19:21The total loan amount per person adds up to at least 200 million.
19:24So much money.
19:24Even if we sold the whole village, we couldn't pay it back.
19:26They're trying to drive us to death.
19:27Xiao Fan, none of us have seen much of the world.
19:29Tell us honestly, our life from now on.
19:31Is it impossible to go on?
19:32Yeah, Xiao Fan, we really can't pay back so much money.
19:34Are we going to jail?
19:35Evidence won't bring the justice we want.
19:37It'll only make the wicked more arrogant.
19:39Since the He family ignores the rules, this time, I'll make them in the web.
19:41They wove themselves, caught in their own trap.
19:43Everyone, do you want to make some money?
19:45Don't keep us in suspense.
19:46Our hearts are in our throats.
19:47As long as the debts are cleared, we'll do whatever you say.
19:50Clearing the debts is just the first step.
19:53This time, I'm definitely going to clear all those ridiculous debts in everyone's name
19:56once and all.
19:58Really, Xiao Fan?
19:59That's hundreds of millions.
20:00You're not kidding us, are you?
20:02Xiao Fan, you've got to save us.
20:03Your uncle and I don't care if our lives are ruined, but my son just got into the provincial
20:07key university this year.
20:08If we become defaulters, his future will be destroyed.
20:10Auntie, don't worry.
20:11With me here, no one can touch any of you.
20:13Xiao Fan, we all trust you.
20:15Tell us, how do we actually earn this money?
20:17Right.
20:18As long as we can clear our loans, we'll do anything.
20:22Brother Fan, big discovery.
20:24Not long ago, he lay applied for a project called Agricultural Wealth Management.
20:27The project has entered its final disbursement stage.
20:29The users of the project are basically all villagers from Chingshan Village.
20:31And your name, Brother Fan.
20:32What?
20:33Brother Fan, the project they submitted this time is compliant and legal, and it's still
20:36in the trial phase.
20:37I'm afraid this one won't be easy to handle.
20:38I understand.
20:40The list and the payment schedule send them to me.
20:41Okay.
20:43I have a way, but I need every single one of you to cooperate unconditionally.
20:47Xiao Fan, we're all barely literate country bumpkins.
20:49We don't understand systematic finance.
20:51Just tell us what you want us to do.
20:53It's very simple.
20:54All you need to do is change your own bank card passwords.
20:56That's it.
20:57All our bank cards are already frozen.
20:58What good will changing passwords do?
21:00Unless God is going to magically give us money?
21:02Exactly.
21:02It's that simple.
21:03Today or tomorrow, everyone's bank cards will receive a sum of money.
21:06That amount will be enough to pay off all your debts.
21:08Don't touch that money for now.
21:09Leave the rest to me.
21:10I promise to clear everyone's name.
21:12Xiao Fan?
21:14Your father has never lied in his life.
21:15I believe in your character.
21:17This time, I trust you.
21:18It's better than waiting to die.
21:19I trust Xiao Fan too.
21:27Tomorrow morning, our investment plan will officially go live.
21:29The moment it goes live, the system will distribute, as we set up, 300 portions of money to each
21:33person's bank account.
21:34After the transfer, three minutes later, it will automatically be transferred into our account.
21:38If it weren't for that punk Lin Fan causing trouble with a coffin, the bank manager position
21:41would have been mine.
21:42He dared to ruin my path to promotion and wealth.
21:44This time, I'll make sure he never recovers.
21:45Son, this time we've put all our assets into this.
21:48If we fail, we'll have nothing left.
21:50Don't worry.
21:51This operation will have the money before those villagers even know what hit them, safely
21:54in our wallet.
21:55That's right.
21:56As soon as the money enters their bank account, the system will buy financial products for
21:59them and move the money away.
22:00The whole transfer takes less than a minute.
22:01After that, the 300 million is ours.
22:05Then, what if they find out and cause a riot?
22:08Dad, financial products, high risk, high return.
22:11Losing money on investments isn't that normal.
22:13The contract was signed by default by them, and the investment was made from their own
22:16accounts.
22:16If they lose all their money, they can only blame their own bad luck.
22:23Page the system shows that HeLay's project goes live at 9am tomorrow.
22:26This time, they directly deposit the money into the villagers' accounts, and then immediately
22:29initiate a forcible transfer.
22:30It goes directly into his various accounts.
22:32The whole process won't take more than a minute.
22:34In that case, no one will have time to react.
22:36The money in the cards will already be completely drained.
22:39Under a minute, there's still a chance to make that money disappear for good.
22:42Change.
22:43What do you mean by that?
22:44Tomorrow at 9am.
22:45We need to find a way to block all his fund transfers.
22:47Block the fund?
22:48Change.
22:49The process is preset by them in the background.
22:51As soon as the time comes, the system will force the transfer.
22:54Probably not easy to do.
22:55The precondition for a preset auto-transfer is that he already has our info and passwords.
22:58As long as by tomorrow we make sure everyone logs into their accounts and
23:00changes passwords and updates all personal info, then this money will just become he
23:02lays voluntary gift to everyone.
23:04Great idea, Fange.
23:05Lead it to me.
23:06I guarantee no one will lose a single cent.
23:10Binzie, thanks for your help this time.
23:11Fange, don't mention it.
23:13With our bond, your business is my business.
23:15Besides, as a lawyer, it's my job to help everyone use the law to protect themselves.
23:20Fan, even though changing the password in terms of procedure is the villagers' own choice,
23:23as lawyers, this isn't standard practice.
23:25If something goes wrong down the line, your status as a lawyer might not hold up.
23:28I know.
23:29This time, I'll give it my all to protect the rights that truly belong to us.
23:32Okay, I promise.
23:33At nine tomorrow morning, after the head office's unified approval, within one minute,
23:36I'll have everyone change all the passwords.
23:38If there's an emergency, I'll let you know immediately.
23:40All right.
23:45Dad, you always told me that us farmers have no real skills, to fight hard in the big city,
23:48save up more money, so I could at least make a living in the provincial capital.
23:51But I finally saved up for a down payment on a house, only to have it today become,
23:53the cigar in He-Lay's hand, become a mere fraction that the He-Family casually squanders.
23:56You taught me from a young age to live a life with integrity.
23:58The He-Family disregards the law and now wants to squeeze everyone dry,
24:01riding roughshod over our entire Qing Shan village.
24:03As a lawyer, I will definitely help our family, help everyone, take back everything that belongs to us.
24:17Time's up.
24:17Hurry up, get the loan out now.
24:19That 300 million yuan, it's about to land in my pocket.
24:21Son, don't let anything go wrong.
24:23That's 300 million.
24:24If those villagers find out, what?
24:26Dad, you're overestimating them.
24:27Even if the money sits in their accounts for a day, then they'll hand it back to me just as
24:30it is.
24:30They won't figure it out.
24:31Relax.
24:32I've released the money already.
24:34In less than a minute, it'll be back in our pockets.
24:39Xiaofan, it's almost 9 o'clock.
24:41Will someone really transfer us the money?
24:42Yeah, Xiaofan.
24:43My eyelid's been twitching non-stop.
24:45Our card was just frozen yesterday.
24:46Oh my god, can we really get free money?
24:48Xiaofan, the whole village's future and fate are riding on you today.
24:51Everyone, don't panic.
24:52Keep your phones ready.
24:54Trust me and Fan, someone's more eager than us to get this money out.
24:58Got it.
24:59Someone actually transferred money.
25:00It's in.
25:01The Qing Shanong Cooperative Online Banking Alert.
25:03Incoming transfer, 1.5 million yuan.
25:06Das Huang, quick, check hours.
25:07It's in.
25:08It says 1.28 million.
25:10Really, 1.28 million.
25:12The money's really here.
25:13Really here.
25:16Fan, everyone got the transfer.
25:17Sure enough.
25:18The total amount is at least 300 million.
25:20142,300 yuan.
25:21Listen to me now, everyone.
25:22Log into your accounts right away.
25:23Change your bank card passwords.
25:24Hurry.
25:25Write.
25:25Do as fan says.
25:26Change the password.
25:27Everyone, change your passwords quickly.
25:30I did it.
25:30I changed the password to my grandson's birthday.
25:34Mine also says the change was successful.
25:38The money has all been distributed.
25:40In 3 seconds, this money will enter our accounts.
25:44Son, it can really work.
25:45Why is my heart pounding so hard?
25:48Dad, you're just too nervous.
25:49In this Qing Shan village, no one can take food out of my mouth.
25:57What?
25:58What's going on?
26:02Wrong password.
26:03How could this be?
26:04What?
26:06Nonsense.
26:07How could the password be wrong?
26:08We sent all the villagers' passwords in bulk.
26:09I haven't sent them the new ones yet.
26:11How could it be wrong?
26:12Let me try again.
26:14All wrong.
26:15All 312 accounts.
26:17Not one has the right password.
26:19What?
26:20All wrong?
26:21What about the money?
26:22Did it come through?
26:22The money was all broken into small amounts and locked in those people's accounts.
26:25What?
26:25What do we do now?
26:26My life's hard-earned money.
26:27Son, didn't you say it was foolproof?
26:29What are we going to do now?
26:30How could this happen?
26:31I can't touch a single cent of my money.
26:33Xiao Fan, thank goodness you're here this time.
26:34Getting such a big sum at once.
26:35Even though we're not educated, we know not to take what isn't ours.
26:38How about we all hand the money over to you?
26:39You're more experienced.
26:40You'll surely know who to return it to.
26:41Yeah, Xiao Fan.
26:42This money came out of nowhere.
26:43We don't dare keep it.
26:44Xiao Fan, how about we have everyone transfer the money to one card?
26:47This is key evidence.
26:48Let me take it back to the firm to organize.
26:49Uncle Er, everyone does have a point.
26:51Then I'll leave it to you to organize everyone to transfer today's money into one bank card.
26:54I'll take care of everyone's loan documents as soon as possible.
26:56Okay, Xiao Fan.
26:57We'll do as you say.
27:23Don't worry, Lei.
27:24Just a few country bumpkins.
27:25How could they outsmart you?
27:26Even though we can't get the money back now, the bank cards are still in their hands, right?
27:29What's the use of them having them?
27:30The passwords have all been changed.
27:32So we can't get the money out.
27:33Change the passwords.
27:34We'll make them spit out the new passwords and that's it.
27:36So what's your plan?
27:37Today, they received money out of the blue.
27:39Didn't report it and kept it.
27:40Isn't that exactly what the bank calls malicious loan fraud?
27:42You mean?
27:43Debs must be repaid.
27:43That's only right.
27:44We can, in the bank's name, accuse them of loan fraud.
27:46They have no evidence, so they'll have to pay off.
27:48Good, Dad.
27:49Go back and notify the whole village.
27:50Village committee meeting at 8 a.m. tomorrow.
27:54All right, I'm going.
27:55No matter what it takes, I will squeeze every penny out of those villagers if it's the last
27:59thing I do.
28:03Xiaofan, what's the total?
28:04Who did we all offend?
28:06What sin did we commit?
28:07Don't worry, uncle.
28:08As long as we keep all the evidence, the law will do us justice.
28:12Xiaofan, there are rumors going around that the bank is going to sue our whole village.
28:14People are too scared to even leave their homes.
28:16They're all waiting for news from you.
28:20Banji, something big happened.
28:21He just sent an urgent report to the head office, saying Qingshan village committed mass fraudulent
28:25loans.
28:25What?
28:25He wants to sue the entire village.
28:27He's requesting the head office to blacklist everyone's credit, to ruin the credit of the
28:30whole village.
28:30And he also hired some thugs.
28:32To collect debts by force.
28:33They're already on their way into the village.
28:34I got it, Binzi.
28:35Keep an eye on their movements.
28:37Any updates, let me know right away.
28:38Got it, Fangie.
28:39You all be very careful.
28:43Uncle, there's no time.
28:44Tonight, He-Lei is going to hold a meeting at the village committee courtyard.
28:47A sudden meeting?
28:48Xiaofan, this isn't a trap, is it?
28:50Uncle, tell everyone no matter what he says at the meeting tonight, everyone must do their
28:53best to protect their own interests.
29:01How is this possible?
29:02My family never borrowed this much money.
29:04Young master.
29:05I called you here today to talk about only one thing, paying back the money.
29:08Pay back what?
29:09We never borrowed anything.
29:10Nothing.
29:11Open your eyes and take a good look.
29:12On the bulletin board are each of your names, and under your names, the loan amounts, clear
29:15as day.
29:16It's in black and white.
29:17No one can run away from it.
29:18Take a look, household 312.
29:20Your village is famous for being deadbeats.
29:21What's worse, one of you maliciously changed the online banking password and openly defrauded
29:24a loan.
29:25In the eyes of a law, that's fraud, it's a crime.
29:27He-Lei, stop spouting nonsense.
29:28We've been farming all our lives, can barely read a few characters.
29:30Who could pull off loan fraud?
29:31Exactly.
29:32Maybe your system rigged it to make us take the fall.
29:34Yes, that's right.
29:39See clearly.
29:40This is from the head office, the credit punishment decision just issued.
29:43I'll say it one last time, anyone who voluntarily cooperates in returning the money within 24
29:46hours will be forgiven for past mistakes.
29:48But anyone who refuses to cooperate will go straight onto the head office's credit blacklist.
29:58We've all lived most of our lives, so let me give you a friendly reminder.
30:01Don't let anyone with ulterior motives stir you up.
30:03When you really can't pay back the money and become deadbeats, your children will all suffer
30:06the consequences.
30:07Right, listen to my son.
30:08As the village chief, I guarantee to everyone don't fall for some people's tricks.
30:11Some people hide behind the scenes, claiming to help you, but they're just using you as pawns.
30:18Uncles, aunties, folks, everyone look at me.
30:20Just now, President He up there kept saying you all maliciously defaulted on loans.
30:23So today, let me ask everyone on his behalf a few simple legal questions.
30:26Uncle, President He says you have a loan of 1,280,000.
30:29Let me ask you, in your life, have you ever voluntarily gone to their Dakian Credit
30:32Cooperative to sign a contract?
30:34No.
30:34In the past two years, I haven't even set foot in a bank.
30:36What contract would I sign?
30:37Uncle, the bulletin board says you borrowed 1.5 million.
30:40Let me ask you, in your bank book, in your pocket, have you actually received one cent of
30:43that money from the bank?
30:43What money?
30:44Xiao Fan, I haven't seen a single cent of it.
30:46If I had that 1.5 million, would I be farming under the scorching sun?
30:49We never got any money.
30:50We never got any money.
30:52None of us signed anything.
30:53This debt that came out of nowhere, we don't accept it.
30:55Right.
30:56Did you hear that, President He?
30:58No one signed a contract.
30:59No one received a single cent.
31:00Lin Fan, stop muddying the waters.
31:02The loan records in the system are crystal clear.
31:04You can't deny it.
31:05Since you insist the system records are real, then from a lawyer's perspective, I suggest
31:08you report it.
31:09Let the security team clear the name of the real victims.
31:14Everyone, listen up.
31:16I've been a lawyer for 10 years.
31:17For those of you who never signed and never got the money, both conditions, if both aren't
31:20met, the loan doesn't exist.
31:21So you're saying when he called us deadbeads and threatened to throw us in jail, he was
31:24just bluffing?
31:25Exactly.
31:26As long as he can't produce any real evidence today, then all of us can just ignore these
31:29threats.
31:30Lin Fan, you, you're leading people to break the law.
31:32The loan list in the system is perfectly clear.
31:34Isn't that evidence?
31:35How that list came to be you know better than anyone.
31:37He lay, everyone's loan applications, the approval process, the loan contracts, and everyone's
31:41bank surveillance footage of entries and exits.
31:42Where is it?
31:42Without these, you dare to falsely accuse everyone of loan fraud?
31:45Do you take us all for fools, or do you think justice can't touch you?
31:47I've never even stepped foot in a bank.
31:48What gives you the right to call me a fraud?
31:50Do you want me to pay back?
31:51Yeah, we haven't seen a single cent.
31:52Why should we pay anything?
31:54Isn't this just treating us like a bunch of idiots?
31:56He lay, if there's no solid evidence and you're just sitting here falsely and maliciously
31:59accusing everyone, as a lawyer, I have the right to sue you on their behalf.
32:02You think I'm afraid of you?
32:03Affirmation, fraud, illegal threats, he lay, any one of these is enough to convict you,
32:06you've repeatedly crossed the line.
32:07Then we'll have to meet in court.
32:09We can't beat Lin Fan right now.
32:10Let's go.
32:14You, Lin Fan.
32:15Just wait for me, this isn't over.
32:17Let's go.
32:17Dude.
32:24Xiao Fan, even though the he family is gone, our bank cards are still frozen.
32:27Inside is all the money we saved for the kids' tuition and retirement.
32:30Yeah, Xiao Fan.
32:31We can't harvest our crops yet.
32:32If the cards stay frozen for months, how are we going to get by?
32:36Xiao Fan, auntie's card, is it still usable?
32:39Auntie, and all the uncles here, the matter of unfreezing the cards from now on, leave it
32:42all to me.
32:43Everyone rest assured, wait for the outcome.
32:45Xiao Fan, that bank is their he families, how can we fight them?
32:48The bank is not their private property.
32:50I promise everyone, I will use lawful procedures to get justice for all of you.
32:54Good.
32:54Listen to Xiao Fan, we trust lawyer Lin.
32:56Right.
32:57Dad, ancestors, watch over us from above.
32:58This battle, I will not only help the villagers shake off the unjust debts, but also reclaim what
33:01belongs to us the Lin family's honor and justice.
33:03I will get it all back.
33:07Lin Fan, you dare to stand in front of the whole village and undermine me?
33:10I will fix you.
33:11What's the use of smashing things now?
33:12Today at the village committee, I lost all face.
33:14Now the whole village is united.
33:15If they actually go report us, we're completely done.
33:17Yeah, brother Lin, those people are stubborn.
33:19If we can't get those loans back, when the head office asks in a couple of days, we're
33:22finished.
33:22Since he's determined to oppose me, let's have some fun with him.
33:26Hey, Dabiyao?
33:27Call the guys tonight.
33:28All of you go into Qingshan village and collect the debts.
33:30I want those villagers to know what happens when you steal from me.
33:39Old man, open the door.
33:44You two old folks, hand over your bank cards, or I'll smash your whole house.
33:48I never borrowed any money from you.
33:49I don't care if you did or didn't.
33:51They say you owe, so you owe.
33:52Pay up now.
33:54Yow, stop wasting words on him.
33:55I say we just break the door in.
33:57Sell this junk, might be worth something.
34:01Xiaofan, come quick.
34:02Dozens of thugs are at the Sun family's place, causing trouble.
34:05Yelling for them to pay up.
34:06Old couple, give me all your valuables, hand them over.
34:10Stop.
34:14Who's this kid?
34:15Daring to stick his nose in my business.
34:17You're trespassing on private property.
34:18I'm live streaming the whole thing on my phone.
34:20Your actions are already applied.
34:21Don't give me that crap.
34:22I'm a professional debt collector.
34:24They owe money, so they pay.
34:26It's legal and legitimate.
34:27To collect.
34:28Collecting for who?
34:29Who sent you?
34:29Did you bring the relevant documents?
34:31I don't need papers to collect a debt.
34:32No documents needed.
34:33Move it.
34:34Don't interfere with our work.
34:35No documents, and you dare to break in.
34:37Everything you say and do right now, everyone is watching.
34:40Trespassing is illegal.
34:41People online have already reported you.
34:43If any of you takes one more step, you'll be locked up for good.
34:48There are tens of thousands of netizens watching your evil deeds right now.
34:51Watching your crimes, we have both the witnesses and the evidence.
34:55Anyone who doesn't want to be taken away by the security team, get the hell out of here now.
34:59Cousin, he's live streaming this.
35:01What if someone actually reported us?
35:03You.
35:03Don't try to scare me with a live stream.
35:05A debt must be paid.
35:06It's only right.
35:07Even if the security team shows up, I'm not scared.
35:08You can't produce evidence that they owe you money.
35:10So you kick in doors and smash walls, threatening the elderly.
35:12That's clearly a provocation.
35:13The security team is on their way.
35:14All of you are going to jail.
35:15Cousin, let it go.
35:16We're just trying to make a living.
35:18If we really make a big deal out of it for the Hay family, if this blows up, we can't
35:20handle that.
35:22You're tough.
35:22Let's go.
35:24Xiaofan, thanks to you today.
35:26If it weren't for you, our old bones would have been done for.
35:29The Hay family even stooped to using dirty tricks.
35:31Second uncle, auntie, once I gather all the evidence, I will personally punish these scum of society.
35:38A bunch of bad guys, over 30 people, were scared off by Ling Fan's live stream.
35:42Just like that.
35:43I spent so much money.
35:44What did I even hire them for?
35:45It's all over now.
35:47Xinbiao pulled out.
35:47The villagers will be even bolder now.
35:49Are we really finished?
35:50No, we're not.
35:51As long as the money's still locked in their accounts, we can still get it out.
35:54Lei, why are you so mad?
35:56Dealing with those naive villagers.
35:58You can't just use force.
35:59You gotta use your head.
36:00Now that they changed the password, we can't get the money out.
36:02And Xinbiao's crew got chased off.
36:04What else can we do?
36:05They think just by changing the password, the money in the account is theirs.
36:09So then we'll act as the bank.
36:10And go through the official review process.
36:14What review?
36:14Freeze all the bank cards of over 300 households in the village so they can't withdraw a single cent.
36:18Let's see how long they can hold out.
36:19Didn't Lin Fan just love live streaming and exposing things?
36:21Then let's give him what he wants.
36:22With a bank.
36:23The real victims in public opinion.
36:24If we go public before he does, we'll control the narrative.
36:26Li Li, what exactly do you mean?
36:27Exposing ourselves?
36:28Isn't that asking for trouble?
36:29It's called Striking First.
36:30I already have a headline.
36:31Call it.
36:32Qing Shan Village.
36:32Entire village of rascals fraudulently borrow.
36:34500 million unscrupulous lawyer pulling strings behind the scenes.
36:37Once we shake public opinion, netizens will be on our side.
36:39And with all that spit, they'll drown.
36:40Lin Fan and those villagers alive.
36:42Exactly.
36:42What do netizens know about the truth?
36:44They just follow the crowd for the drama.
36:46Lin Fan, you think you can ruin my plan?
36:48In this territory, I am the law.
36:49I'll not only take the money back.
36:51I'll also destroy your reputation.
36:55According to our latest reports, the Daki and Xin non-cooperative in our city,
36:58Qing Shan Village branch is facing a severe credit crisis.
37:00Preliminary investigations show over 300 households in Qing Shan Village are suspected
37:03of collective fraudulent loans, with the amount involved reaching 500 million yuan.
37:06This incident involves villagers exploiting bank system loopholes to collectively obtain
37:09credit funds.
37:11Furthermore, sources reveal that unethical lawyers are orchestrating schemes behind the scenes,
37:14inciting villagers against the bank and refusing to repay the money.
37:17What?
37:18Why does the TV say we're scammers?
37:19Is that Shaofan up there?
37:21This is outrageous.
37:22This is clearly a lie.
37:28Bange, something's wrong.
37:29Big trouble.
37:29Check the trending topics.
37:31What's up?
37:32That bastard he lay is turning the tables on us.
37:34They're saying we incited the villagers to commit crimes.
37:40Bange.
37:41Now the whole internet is...
37:42Cursing you and the villagers of Qing Shan.
37:43Lindsay, bring all the evidence we've gathered, all of it.
37:46Come with me back to our hometown.
37:47Okay.
37:48By the way, get in touch with the reporter from Dacian TV.
37:50All of this...
37:51needs to be settled once and for all.
37:55Oslo, that's $8,000, right?
37:57I'll scan it to you right now.
37:58Insufficient balance.
37:59Aye.
38:00Let me try again.
38:01Maybe the signal was bad.
38:10How could this be?
38:14Honey, Boss Liu is here with a delivery.
38:15I can't pay.
38:17Could you come by the store to pick up the $8,000?
38:18All right.
38:19Stop pretending.
38:19I saw it on the news.
38:20Your whole Qing Shan village is full of deadbeats.
38:23Look, you're clearly trying to skip out on the bill today.
38:25Boss Liu, that news is all lies.
38:26I'll scrape together the money for you.
38:27I don't care if the news is true or false.
38:29I run a small shop.
38:30No credit, no money, no goods.
38:33Please, Boss Liu.
38:34If you take the goods away, my little store will have to close.
38:37My kid in the city is counting on me for tuition.
38:40Please, give me a little more time.
38:42I'll go raise the money.
38:48Hey, Auntie.
38:49How come you're arguing with Boss Liu?
38:50I could hear you shouting from far away.
38:52At your age, it's so embarrassing.
38:55Boss Liu, the $8,000 for the goods.
38:57I'll pay on Auntie's behalf.
38:59Mister, he is indeed generous.
39:00Since the money's been paid, you keep the goods.
39:02I'm leaving.
39:04I wouldn't dare take your money.
39:05Wait, I'll go get the money and pay you back.
39:07Auntie, you really don't know what's good for you.
39:09If it weren't for Lace Kindness, your shop would be closed in a few days.
39:12Stop crying crocodile tears.
39:13If it weren't for you guys, how would our cards be frozen?
39:15I warned you to pay back the money.
39:16But you had to listen to Lin Fan.
39:17Now the cards are frozen.
39:19Serves you right.
39:20Second aunt.
39:21I'll show you a way out.
39:22Post in the group that Lin Fan is a fraud.
39:24Urge everyone to cooperate with the loan repayment.
39:27Then these goods are yours.
39:28I'll also apply to unfreeze the cards for everyone.
39:31What do you think?
39:34Hurry up.
39:34This is your only chance.
39:36There won't be another.
39:37Lei is saving your whole family.
39:38Come on, second aunt.
39:39Look at the camera and tell everyone how Lin Fan deceived you.
39:42You wish.
39:43Don't think your measly money can buy people's loyalty to join you in your wrongdoing.
39:46Bah, you're dreaming.
39:54Don't even think about it.
39:55Don't think your lousy money can buy people's loyalty.
39:58You think I'd stoop to your level?
39:59Bah, dream on.
40:04Old man, you dare hit me?
40:05You got a death wish, huh?
40:07Old hag.
40:07Have you lost your mind?
40:08Brother Lei was trying to help you, and you dare smash his phone.
40:10Stop.
40:13Here's 8,000 yuan.
40:14My family never asked for a single cent from your e-fan.
40:17Uncle, auntie, you really are.
40:19Choosing the hard way over the easy way.
40:21Then don't blame me for being rough with you.
40:23Oh no, my eggs.
40:24You damn.
40:25Villain, I'll fight you.
40:27Assault.
40:28Assault in the street.
40:31Old bastard, we've been too nice to you.
40:33Today, I'll show you what happens when you mess with me.
40:40Stop.
40:48Delay you cause trouble and pick fights with the villagers.
40:50Don't you have any respect for the law?
40:51Vinzy, take Hunter the house to rest first.
40:53Okay.
40:54Ha ha ha.
40:55I was wondering who it was.
40:57So it's our internet famous shady lawyer.
40:58A rat.
40:59And you still dare to swagger out here and look for trouble?
41:01You really think you're hot stuff.
41:02Lin Fan, Lin Fan.
41:03Because of you, everyone's cards in the village are frozen.
41:05You're a fraud now.
41:06Yeah, they all say online that Xiao Fan ran off with her money.
41:09Did Xiao Fan really cheat us?
41:10Everyone, don't listen to his lies.
41:12They're all rumors online.
41:13It's He Lei using the banking system to freeze everyone's accounts,
41:15making everyone bear huge debts for him, turning us into debtors.
41:17Shut up.
41:18Now everyone knows it's you, this deadbeat lawyer,
41:20who led everyone into malicious loans and made dirty money.
41:22Since you like to use public opinion,
41:23then today, in front of a whole village,
41:25let's settle every single account clearly.
41:27He Lei.
41:28Open your eyes wide and see what this is.
41:33You think you can scare me with a few pieces of paper?
41:35Do you really take everyone for fools?
41:37Listen up, everyone.
41:38He, Lin Fan, didn't come back to fight for you.
41:40He came back to bleed you dry.
41:41That's right.
41:42You think a big shot lawyer works for free?
41:44He's already been back there going through your accounts.
41:45When it's over, you'll not only have to pay off your loans,
41:47but also pay 10% of your loan amounts as his legal fees.
41:50Every family owes millions.
41:51A word from him and hundreds of thousands are gone.
41:53And you worship him like a god.
41:54You've been sold, and you're still counting his money.
41:5610%?
41:56Hundreds of thousands?
41:57Xiao Fan, is what they said true?
41:59Are you really taking our money?
42:00Hundreds of thousands?
42:01No wonder he's been running around helping.
42:02He's after our money.
42:03Don't listen to his nonsense.
42:04Xiao Fan is not that kind of person.
42:05Old man, I think he's brainwashed you.
42:07A big city lawyer like him, why would he work for free?
42:10Fellow villagers, I grew up in this village.
42:11We're tied by blood, no matter what.
42:13How could I ever harm you?
42:14Now, if you just cooperate with the bank,
42:16provide your bank cards and personal information,
42:17I'll find a way to pay off your loans.
42:19Not only will I help you avoid liability,
42:20but I'll give each household a compensation of 50,000 yuan.
42:23What? 50,000?
42:24We just give him our card.
42:25Not only will we not be debtors or end up in a dark room,
42:27we'll get 50,000 for free.
42:29Even two years of farming won't earn us that much.
42:31Hear that?
42:32Brother Lei is your real savior.
42:33Follow that fraud Lin Fan, and you'll end up losing your shirt.
42:36Hei Lei, do you think that 50,000 per household
42:38can eliminate your evidence of crime?
42:40Brother Fan, stop wasting words with him.
42:41Just show the evidence.
42:42Fine, since you're so generous,
42:44you can not only fill a 500 million hole,
42:45but also bring out tens of millions in compensation.
42:47Then right now, in front of everyone,
42:48explain clearly on this internal ledger
42:49how thousands of loan transfers went,
42:51without a cent missing,
42:51straight into your he family's relative's private accounts.
42:54Hey.
42:55Hei Lei.
42:56Amount.
42:571,800,000.
42:59The payee on my end is he chow.
43:01Isn't that the village chief?
43:02Were our bank accounts frozen and loans piled on us
43:04for no reason all they're doing?
43:06Lin Fan, don't try to scare me with this crap.
43:08Who says this stuff isn't fake?
43:09I've already submitted these materials and evidence
43:11to the bank's headquarters
43:12and the relevant departments of Dakian.
43:13As for whether they're real or fake,
43:14the authorities will verify with you.
43:16Even the town mayor doesn't dare to mess with me.
43:18Who do you think you are to threaten me?
43:21Who's there?
43:21Hei Lei, I never thought you,
43:22as a bank employee, would commit loan fraud.
43:24The materials reporting you and Jong Lily
43:25have been submitted to the head office.
43:26You're fired.
43:27What?
43:27Boss, didn't you say before you didn't believe that?
43:29What?
43:30Nonsense.
43:30Hei Lei.
43:31Your matters have nothing to do with me.
43:33Get ready to be locked up.
43:35How did this happen?
43:36Alright, so you made me take the fall for the debt.
43:38You took our whole village's hard-earned money
43:40and lived it up.
43:40You scumbag.
43:41Hei Lei, give us back our hard-earned money.
43:46Lei, are you okay?
43:47No, no way I'll risk my life
43:49to get that money back Lily.
43:50You have to help me.
43:54Don't trust him, everyone.
43:56These bank statements,
43:57he had someone forged them.
43:58He's just trying to frame me to get your legal fees.
44:00That's right, Lei is the village chief's own son.
44:02How could he harm us?
44:03Lin Fan is can't make it in the big city anymore,
44:05so he comes back to suck you dry using you as his scapegoats.
44:08Nonsense.
44:08Black and white with the official seal can't be faked at all.
44:11I think you are the real bloodsuckers.
44:16Mr. Hei, we received a whistleblower report.
44:18You are suspected of using your position
44:19as interim bank manager
44:20to obtain massive loans from Qingshan village.
44:21Is this true?
44:22This what's going on?
44:26Mr. Hei, we are from Dakyo's economic investigation program.
44:29We have received a verified report
44:30that you, using your position as acting branch manager,
44:32misappropriated a 500 million loan from Qingshan village.
44:34Is this true?
44:35President, he did Dakyan Credit Cooperative
44:36forge loans in three people's names,
44:38forcibly freeze over 300 accounts in the village.
44:40Was that a scheme you orchestrated?
44:41How do you explain the extra 50 million
44:43in transfers under your name?
44:44Friends from the media,
44:45the whole village can testify
44:45he not only took out loans and three names,
44:47he also forced us to take the fall for him
44:48to pay back a kid.
44:49That's right.
44:50He froze our bank cards without permission
44:52and he tried to smash up my shop.
44:53You've got to expose this scumbag.
44:55Stop filming.
44:56Stop filming.
44:57Who are you people?
44:57This is slander, defamation.
44:59Still making excuses?
45:00Hei, we already have all the evidence.
45:02Even if you call the heavens today,
45:03it won't help you.
45:04We're not doing interviews.
45:05If you keep filming,
45:06I'll sue you for invasion of privacy.
45:07Invasion of privacy?
45:08You stole the whole village's information
45:10and used our ancestors to get loans.
45:12Where was privacy then?
45:13Shameless.
45:14Liar.
45:15Give back our hard-earned money.
45:16You have to answer to us today.
45:18Neither of you is getting around.
45:25Friends of the press.
45:26Oh, heavens above.
45:27Please stand up for Lei and me.
45:28We are more wrong than Dewey.
45:30Mr. He and Miss John,
45:30please answer directly.
45:32Regarding the alleged fraud
45:32of 500 million in loans,
45:34don't evade the issue.
45:34I was just an intern bank president.
45:36Now I'm just a clerk.
45:37How could I have the ability
45:37to scam the new loans?
45:38Exactly.
45:39Maybe it's Lin Fan,
45:40this shady lawyer,
45:41who deliberately set us up
45:42and dumped all the blame on our bank.
45:43He even, in his madness,
45:44brought five coffins
45:45and made a scene in our bank lobby
45:46using three people to intimidate us.
45:48We are the real victims.
45:49Li Lin, do you have no shame?
45:51Since you claim Lin Fan set this up,
45:52then please tell me,
45:53Lin Fan's father, grandparents,
45:54and others who died five years ago,
45:55the sudden one million in their names
45:56and even five million in overdue loans.
45:58How did your system approve those?
46:00Well, it might be a bug in our system.
46:02Besides, we follow the rules.
46:03We did nothing wrong.
46:05Ladies and gentlemen of the press,
46:06this is from the Dakian police station,
46:07just retrieved the back-end operation records
46:08of the Dakian credit cooperative.
46:09It clearly records the fake loans
46:11for the entire village,
46:11all originating from Hilei's office computer.
46:14No, this isn't real.
46:15Stop struggling.
46:16Once the report is out,
46:17it will be released online.
46:18Now, netizens across Dakian
46:19all know about your malicious loan fraud.
46:21Hilei, you even went after
46:22my great-great-grandparents,
46:23sparing no one,
46:24burdening them with millions in loans.
46:25Now the evidence is ironclad.
46:26Where can you hide?
46:30This jerk sucks all the old folks dry.
46:32Beating him up
46:32is the only way to let off steam.
46:34Just a few days ago,
46:34he was playing the victim
46:35and stirring things up.
46:36So he's the one who cried foul first.
46:37Unbelievable nerd.
46:40It's over.
46:41All over.
46:41All my money is gone.
46:44It's her.
46:45This woman did everything.
46:46She messed with the main branch system.
46:47She's the mastermind.
46:49Arrest her.
46:49Hilei, you're insane.
46:51What are you doing?
46:52She did everything.
46:53I just count the money.
46:54You should go after her.
46:54She knows the inside scoop.
46:56Oh no, this scumbag is trying to run.
46:58Stop him.
47:02Stop him.
47:07Stop him.
47:10Get down.
47:11Cuff him.
47:11Let me go.
47:12My dad's the village chief.
47:13You're arresting me on my turf.
47:14My dad will make you pay.
47:15I want to see my dad.
47:16Behave.
47:17You think Yichang will save you?
47:19Yichang is suspected of using his position
47:20to steal all the villagers' personal information
47:22to commit fraud.
47:22Half an hour ago,
47:23we arrested him.
47:25No.
47:26Hilei,
47:26you can tell the rest of the security team slowly.
47:31Officer.
47:32I want to report.
47:33I'll tell everything I know.
47:34It's all Hilei and his father who forced me.
47:36Lawyer Lin,
47:37please put in a good word for me with the security team.
47:39Let me go.
47:39The law won't let go of anyone
47:40who tramples on its bottom line.
47:41You brought this all on yourself.
47:46Friends from the press,
47:46thank you very much for today.
47:47I appreciate your hard work.
47:49Binzi,
47:49send everyone back.
47:50Sure thing,
47:51Fangie.
47:54These bad guys finally got what they deserve.
47:57Xiao Fan,
47:57you are truly
47:58Qingshan Village's great benefactor.
47:59Take care,
48:00second uncle.
48:00You're too kind.
48:02Whether as a descendant of Qingshan Village
48:03or as a lawyer,
48:04this is all my duty.
48:10Here on behalf of the head office
48:11to the victimized villagers of Qingshan Village,
48:13I extend our sincerest apologies.
48:15It was our supervisory failure
48:16that allowed a corrupt person
48:16like Hilei to slip through the cracks.
48:18Attorney Lin,
48:18the truth has finally come to light.
48:20The online stigma has also been completely cleared
48:22as the central figure in this incident.
48:23What is the one thing
48:24you most want to do right now?
48:25What I want most
48:26is to return things
48:27to their rightful owners.
48:27Let Qingshan Village
48:28fully regain its peace.
48:29Resident,
48:30this card contains the 300 million
48:31that Hilei illegally distributed.
48:32Now,
48:33on behalf of all the villagers
48:33of Qingshan Village,
48:34I hand over the full amount
48:35for investigation.
48:36The money that belongs to us,
48:37we have fought to protect.
48:37This dirty money that isn't ours,
48:38we take none of it.
48:39Thank you,
48:39Attorney Lin.
48:40The head office system
48:41has now completely cleared
48:42all the false overdue records
48:43under everyone's names.
48:44Everyone's credit record
48:45has been restored to clean.
48:46Lin Fan,
48:46this loan fraud case
48:47in Qingshan Village
48:49has also brought fame
48:50to our law firm.
48:51I've decided to officially
48:52promote you to partner of our firm.
48:53Also,
48:54here's a bonus
48:54of 500,000 for you.
48:55Keep it up.
48:56Thank you,
48:57Director.
48:57Fellow villagers,
48:58this 500,000
48:59is my personal contribution
49:00to the village's
49:00future development fund.
49:02I hope that the children
49:02who grow up in Qingshan Village
49:03will become upright
49:04and honest people.
49:07Good.
49:08How wonderful.
49:09The Lin family
49:09has truly produced
49:10a man of integrity.
49:11Dad,
49:12Grandpa,
49:12Grandma,
49:13Great-grandpa,
49:14Great-grandma,
49:14Can your spirits in heaven see?
49:15Our innocence,
49:16the Lin family
49:16and Qingshan Villages,
49:17I've brought it back.