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Cash Buyer vs. Loan Scam: I Went Off

Cash Buyer vs. Loan Scam: I Went Off

Short Story · Emotional Realism
By:  KachingCompleted
Language: English
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10Chapters
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Synopsis

Feel-Good Story

Plot Twists

Bias

Face Slapping

Regret

On the day I go to the car dealership to pick up my car, I'm told that the previous salesperson has resigned, so a different salesperson will attend to me. Yet the first thing the salesperson does is say that I paid too little for the car and demand that I pay more to make up the difference. "The other salesperson is truly an idiot. How could he sell a car for 300 thousand dollars in cash? It's no wonder he got chewed out and quit. If you want to take the car, you'll have to switch to a five-year loan with an interest rate of 12%." I'm rendered speechless as he blatantly tries to extort me. "I've already paid and signed the sales contract. You're breaching the contract!" The salesperson scoffs. "So what? The car is with us anyway. If you're not going to pay the difference, don't even think of taking the car with you!" I can't help but chuckle. I calmly pull my phone out of my suit pocket. "Walter, place Mr. Paul Roland's loan application on hold for now. He's earning big bucks for his business. It seems like he doesn't need it anymore."

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10 Chapters
Chapter 1
When I ended the call, the salesperson in front of me had an extremely arrogant look on his face."Oh, you're even calling my boss by his name, huh? Quit the freaking act! I'll make it clear right now—until you pay the full amount, it'll be of no use even if you called God himself!"He pulled out a sales contract he had prepared ahead of time from his folder, outlining the loan and payment terms. Then, he slammed it down hard on the table."Here you go. It's written in black and white—a five-year loan and an interest rate of 12%. Sign it, and you'll be able to drive off with the car right away."I picked the contract up and scanned it briefly. Then, I tapped my finger on the loan repayment schedule on the final page.The principal was 300 thousand dollars. Over five years, the interest alone added up to 180 thousand dollars—which was over half the principal amount. "Five years of interest amounts to 180 thousand dollars."I looked up at him, my voice frosty as I continued, "You
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Chapter 2
The salesperson continued, "His so-called contract for full payment in cash doesn't exist at all!"Officer Warren turned to look at me. "You claim there's a contract. Did you bring it with you?""I did," I answered.When I retrieved the car sales contract for full payment in cash from my bag and handed it over, a mocking smirk flashed across the salesperson's face.Officer Warren took the contract and flipped to the signature section on the very last page. His brows knitted together slowly. "This document only has your signature. It doesn't have the car dealership's stamp or their salesperson's signature."My heart sank abruptly as I yanked the contract out of Officer Warren's hands. Like he said, my signature was clearly shown on the first signature line. To my utter shock, the second signature line really was blank!"This can't be!" I blurted. I could clearly remember the salesperson signing his name when I signed the contract.Seeing this, the salesperson perked up immediat
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Chapter 3
"I'm Paul Roland, the owner of this car dealership. I just got back to the showroom and heard about this minor incident. I'm really sorry for troubling you, Officer Warren," Paul said in a sincere voice. He had a pleasant smile on his face. Meanwhile, the salesperson quickly hid behind him, as if he had found his lifeline. Officer Warren summarized the situation and my request. As Paul listened, he maintained a friendly smile. "Officer Warren, at the end of the day, this is a civil dispute over a contract between us and Mr. Lyons, right? Strictly speaking, it's not a serious matter that warrants your involvement." Though he spoke courteously, his meaning was clear—the police had overstepped by intervening here.Then Paul turned to me, his smile still in place. "Mr. Lyons, it's good for young people to have drive. However, some matters may not be as simple as they appear on the surface. If something as small as purchasing a car ends up stirring unnecessary trouble, you'd stand
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Chapter 4
"Mr. Roland, your request is going too far, don't you think?" Officer Warren asked, his expression darkening immediately.Nevertheless, Paul waved him off nonchalantly. "Officer Warren, it's completely voluntary. If Mr. Lyons has a clear conscience, what's wrong with him giving a written statement?"The salesperson quickly grabbed a piece of paper and a pen from the reception desk and handed them to me. But I didn't accept them. Instead, I scanned the reception desk and finally picked up an ordinary pen belonging to the dealership. I remembered they had used this pen when we signed the contract. "I'll just use this pen."Reaching out, I wrote a statement on the paper and signed my name. I handed the written statement to Paul, my lips curling into a smirk as I said, "Hold onto it well." Carefully, Paul tucked it into his pocket and pushed the 500 dollars toward me."Here's your money. Have a safe journey, Mr. Lyons."The stares of the onlookers around me bore into my back
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Chapter 5
The crisp ringtone sounded unusually clear in the dead silence of the showroom. Everyone's eyes darted toward me at the same time. Paul froze, staring at me in disbelief.I pulled my phone out of my suit's inner pocket in a composed manner. The caller ID on the screen read, "Paul Roland". I swiped my finger across the screen. "Hello?" I answered the call, staring calmly at Paul, whose face had turned pale.My voice traveled clearly through the phone and even echoed through the pin-drop silence in the showroom."Why, you—"Paul's lips trembled, and his phone fell to the floor with a loud clank."You're… Mr. Boone?"He finally recalled the vague silhouette glancing down at me from the second floor of the bank a few days ago. He had been so focused on begging for that loan that he hadn't dared to—or even thought to—properly look at the bank president, someone in such a high position. Moreover, getting past the account manager was difficult enough, let alone meeting the bank
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Chapter 6
"If the loan was approved, you swore you'd slave away so you could repay your debt on time and would never cause the bank any inconvenience," I said. With every word I spoke, Paul's face lost even more color. His body began to shiver uncontrollably.The details were too real, so much so that he couldn't deny any of it. "I was in the control room on the second floor at the time, so I happened to see you." I took a step forward and continued, "I saw how pitiful and desperate you looked. Considering the dozens of employees who were still waiting for their salaries, I relented. That's why I instructed the account manager to consider your application and proceed with the special approval process." The cold smirk on my face grew. "At the time, I thought I should just buy a car from your dealership since I had to buy one anyway. "That way, I could also help with adding some cash flow and supporting your business. I thought it would make your life a bit easier while you waited for y
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Chapter 7
"Larry and his men are the kind of people who would really take action…" As the whispers grew increasingly loud, the employees at the car dealership turned paler. At the same time, Larry and the burly men who had come with him crossed their arms over their chests, watching the internal strife unfold impassively. "Wow, Paul. Just, wow. You owe me a few million dollars, and you can't even pay your employees' salaries. Yet, you dared to put on airs and extort money from your clients? You really are shameless!" He strode up to Paul and stared down at him. "A loan, you said? Eight million dollars from Redward Bank, huh?"Larry scoffed. Without warning, he grabbed Paul by the collar and dragged him over to me, making him stumble in the process."Go on, Mr. Roland. Explain things properly in front of Mr. Boone once again and see if that eight-million-dollar loan of yours will still be approved." Paul turned pale. His knees gave way as he was dragged right up to me. "Go on!" Larr
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Chapter 8
A few of the burly men stepped forward immediately, scanning the luxury cars in the showroom with hostile expressions."Wait! Larry, please just give me a few more days. I'll think of a way!" Paul pleaded, crawling frantically to grab Larry's leg, only to be kicked aside. "You'll think of a way? And how will you do that? Just look at this useless place. What can you even get out of it now?" Larry scoffed and continued, "I reckon these cars are pretty decent. Let's take a few of them first to cover some of the interest!" When it seemed like the situation was getting out of control, I spoke up."Larry."He turned to me. Even though he still looked as vicious, his tone was much more polite. "What can I do for you, Mr. Boone? This brat isn't repaying his debt, so we're just going by the rules." "I have no right to interfere in your financial dispute. However, this is a public space. Legally speaking, the ownership of these cars can still be contested. Forcibly taking them could
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Chapter 9
At this moment, the blank space on the contract looked glaringly ridiculous. "There's no need for that," I said, putting the contract back in the envelope."I'll take the car first. Tell your boss to be prepared. My lawyer will contact him about the contract dispute and compensation." The young salesperson nodded repeatedly, holding his breath in fear. I got in the driver's seat and closed the car door. The whole world fell silent. As I turned the ignition, a deep hum came from the engine. As I drove out of the gates, I could see the salesperson's face growing smaller in the rearview mirror. The streets were bustling with traffic, and upbeat music played on the radio. Everything seemed perfectly normal. Nevertheless, I knew that for Paul, his life and business were about to take a completely different turn from today onward. And it was all his own doing.A few days later, I saw the car dealership's name in a small circular for the industry's insiders. The owner's creditor h
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Chapter 10
The "magic pen" the salesperson mentioned was probably the kind with special ink that would disappear automatically after a while. "Why did you bring it to me?" I asked. "I didn't know who to give it to either. I'm sure the cops must have already collected the evidence. I just felt like I should show this to you," he answered, rubbing his hands together."Also, I wanted to apologize to you in person, even though it won't change anything." He bowed slightly and turned around to leave. "Hold up," I called out to him. He froze in his tracks, his body going rigid. But he didn't dare look back."What are your plans for the future?" I asked. He turned around slowly, smiling bitterly and helplessly. "I probably won't be able to continue working in this industry. I'll see if I can find a job at a construction site or perhaps work as a deliveryman. I have to make a living either way." I gave him a quick glance and said, "You're still young, and you've got a long way to go. Rem
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