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Chapter 3

Author: Kaching
"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 to lose more than you'd gain, don't you think?"

His polite words concealed a sharp threat. In other words, he was saying that there was someone backing him. If I insisted on making a fuss, I might not be able to get what I wanted.

Officer Warren furrowed his brows and didn't respond immediately.

Meanwhile, Paul beamed at me. "Young man, a smart person should know how to read the room."

I stared at the insincere look on Paul's face, then let out a cold scoff. "Know how to read the room? Indeed, I'm not as adaptable as you are, Mr. Roland."

Just three days ago, this same person had looked like an entirely different person at the bank.

At the time, he pleaded with the account manager, tears streaming down his face. He claimed that his car dealership's cash flow had broken down. His suppliers were demanding payment, and he could barely afford to pay his employees' salaries anymore.

So he begged the bank to approve a loan to save him.

As the president of the bank, I got a clear look at his desperate, pathetic behavior from the second floor. He groveled as much as he could, looking like a completely different person from the calm, composed business owner standing before me now.

Back then, I only instructed my subordinate to approve Paul's loan application because of how sincere he was.

He had expressed his gratitude repeatedly before leaving the bank. Yet, he had no idea that the person who had actually approved his loan was right in front of him now.

Perhaps the expression on my face was too unexpected. Paul furrowed his brows, finally realizing that something was amiss.

It seemed like his mind was racing. The next second, an appeasing smile spread across his face once again.

"Oh, Mr. Lyons, just look at how big of an issue this has become. Maybe it really was an internal communication issue that made you unhappy," he said, pretending to be magnanimous as he pulled out five 100-dollar bills from the inner pocket of his blazer.

"Here, take these 500 dollars as my personal compensation for your travel expenses and the inconvenience. Let's just consider this incident a misunderstanding and move past it. What do you think?"

His tone was relaxed, as if he were dismissing a trivial matter.

I sneered. "500 dollars? Do you think you're waving off a beggar, Mr. Roland?"

Officer Warren, who was standing by the side, took a step forward. "Mr. Lyons, since the evidence isn't in your favor, perhaps you should agree to a settlement for now. Disputes over car purchase deals are considered a civil matter. You may take legal action, and I will also record today's incident accurately."

I gave Officer Warren a quick glance. Not only was this young officer indeed going by the books, but he was also taking my position into consideration.

Out of respect for him, I nodded, willing to take a step back for now. "Alright, Officer Warren. Since you've said so—"

Noticing me soften my stance, Paul no longer felt as apprehensive as before. "Yes, this is more like it. Harmony brings wealth! Though…"

He shot a look to a salesperson.

"Words mean nothing, Mr. Lyons. So please sign a written statement guaranteeing this matter ends here. After this, you will never make any claims against my dealership in any form."
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    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

  • Cash Buyer vs. Loan Scam: I Went Off   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

  • Cash Buyer vs. Loan Scam: I Went Off   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

  • Cash Buyer vs. Loan Scam: I Went Off   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

  • Cash Buyer vs. Loan Scam: I Went Off   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

  • Cash Buyer vs. Loan Scam: I Went Off   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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