But still, Lin Fan played along.
There was a trace of hope in his voice as he asked, "That's great. Can you give me a general idea of how you can help me?"
However, there was a trace of annoyance that appeared in the voice of the beautiful voice. Even so, she still calmly explained how they could help.
To put it simply, they would go over their assets with Lin Fan and Murong Yue to see how they can adjust some of their finances to help pay for the debt. That way, they would be able to live the same lifestyle as before while paying off their debt.
But near the end, the beautiful woman also added, "But if you're really in a bind, we do have another option that you can use."
Lin Fan's interest was piqued before what he was waiting for was finally here. However, Lin Fan said in a somewhat hopeful voice, "Is that option a way to help us pay off our loans faster?"
The beautiful woman's smile became wider when she heard this since she was waiting for this.
She knew that for people like this, the most important thing was getting money to pay off their loans, as well as getting some more money to feed whatever addiction that they wanted. As long as she kept them waiting long enough, they would be the ones that would bring it up and that would make things much easier for her.
That was just how it went with addiction, no matter what form it was, whether it was drugs, gambling, or something else. As long as they didn't cure it, they would forever want to find some way to fuel their addiction without care for the consequences.
The beautiful woman said with that same smile, "Well, we do have another option for people who really do need the help. They are what we call financial aid packets that we can give out."
Lin Fan asked in a confused voice, "Financial aid packets? What does that mean?"
The beautiful woman calmly explained, "To put it simply, we will lend you some money and you can use that to solve your financial problems."
Lin Fan knitted his brows as he asked, "But why would you give me a loan if you aren't charging any interest? What do you gain from that?"
The beautiful woman said, "We will be charging you a fee and that will be for our service. Our main service is of course helping people solve their financial problem, which is a sort of charity, so there's no need for us to charge interest, just having you pay back the loan is enough."
Lin Fan was still skeptical as he asked, "Is there a contract or anything that I need to sign for this?"
The beautiful woman leaned over to the side and opened a drawer in her desk, pulling out a few pieces of paper which she placed in front of Lin Fan. At the same time, she took the pen that she had been using earlier and placed it with the contract as she said, "Well, this contract is more of a formality, but you are free to look over it as you wish."
After saying this, she also picked up her pen and circled one line for Lin Fan before saying, "As you can see, here is the clause that states that our loans will have no interest attached to them. It is written there in black and white, so I'm sure that will put you at ease."
Lin Fan came forward and picked up the contract, looking at the line that the beautiful woman had circled. It was like she had said, it stated clearly that there would be no interest charged to this loan, but Lin Fan also noticed something else.
It was a little covered by the circle that the beautiful woman had drawn, but if he looked carefully, he would see that there was an asterisk that was attached to this clause.
Looking down, he saw that there was no clause attached to this at the bottom of the page, so Lin Fan began slowly looking through the contract.
It was a good thing that this contract wasn't that long, so it didn't take Lin Fan that long to find what he was looking for.
On the final page, in the appendix, there was a clause that stated that this interest free clause was only in effect for the first thirty days and then after that, interest would be added to the loan. Looking at the interest rate and comparing it to the current interest rate that he saw in the file, it was over five times more than the normal interest rate that a bank would normally charge. Moreover, this interest rate wasn't applied at a monthly rate, but rather at a rate where the increase would be exponential.
That meant that the interest charged wouldn't just be at five times the normal rate, it could reach ten times, twenty times, or even one hundred times the normal rate the bank charged.
This really was an evil contract.
Lin Fan passed the contract over to Murong Yue to let her look over it as well before taking it back.
The beautiful woman was just casually sitting there, waiting for their response since this was something that she had seen many times. People always wanted to check these contracts for any surprise clauses, but it was too bad that they didn't know how to check for asterisk clauses.
After a while, Lin Fan put the contract down and the beautiful woman sat up waiting to hear the words she wanted to hear, but it was too bad that what she heard wasn't what she expected.
Lin Fan hesitated a bit before saying, "Can we have some time to consider this before we sign this contract?"
There was a trace of annoyance in the eyes of the beautiful woman, but she said with a smile, "Of course, you can take as long as you want. However, I should remind you that other loans have high interest rates, so it's best not to wait that long. You should try to repay them as soon as possible and our no interest financial aid packs are always the best choice."
Lin Fan nodded before asking, "If possible, can I take a copy of this contract to look over?"
This time, the beautiful woman wasn't as agreeable as she shook her head and said, "I'm sorry, this contract is the intellectual property of our company and we can't freely let it go, otherwise others might steal it. So I can't let you take this contract with you."
If she did and they went to a lawyer, wouldn't they be able to discover the hidden clauses?
Of course, she didn't believe that they could afford a lawyer, but still, it was better to be safe than sorry.
Lin Fan didn't mind this and just said, "I'm sorry for wasting your time."
The beautiful woman stood up and said, "No, no, it's my job, I'm happy to help." Then she acted like she was surprised as she said, "Oh, I even forgot to introduce myself."
She took out a card to give Lin Fan and said, "My name is Grete, please take this card if you have any questions in the future."
Lin Fan was surprised by her name since it was an English name which was rare to find. He was even more surprised since he could see her name through her status screen.
Lin Fan and Murong Yue didn't stay any longer and they made their way out of the office.
Neither of them said a thing until they were out of the office building and were alone in a nearby park.
Lin Fan let out a sigh of relief before he said in his mind, "Accept."
"Congratulations on accepting this E Rank quest. Please capture the target Ouyang Yan. You have been given five load chances for this E Rank quest. Rewards will be given after the quest is complete."
Lin Fan was certain that he was already halfway finished because he already had the evidence that he needed to take her down.
While she didn't let him take the contract with him, they were still able to get pictures of the contract thanks to Murong Yue.
Murong Yue was a police officer, so she naturally had access to plenty of interesting surveillance equipment. The most interesting of them were naturally the bugs and special hidden cameras.
During that meeting, Murong Yue had been wearing a bug, so she had recorded everything that Ouyang Yan had said to them.
Also, before heading into that office, Murong Yue had put on a pair of special glasses that were actually cameras. So when Lin Fan had passed her the contract, he also had her take pictures of every single page of the contract.
With all this evidence, as long as it was turned over to Chief Zhao Kuang, they would be more than justified to arrest her and put her away, which would be considered "capturing" her.
Lin Fan never expected his third quest to be this easy, but he was not above accepting this easy quest since it meant that he didn't have to risk his life.
It was too bad that Murong Yue popped his bubble.
"We already knew that she was a loan shark, we have a copy of the contract and a recording of her deals with other people."
Lin Fan couldn't help revealing a shocked look as he said, "Huh?"