Hong Kong Tycoon: Starting from Delivering Dongfeng Express

Chapter 132: Each other’s plans

"Not counted?"

Ye Dongsheng frowned and sneered, "It's all in black and white, with fingerprints and signatures all there. You're saying it's invalid just because you say so? Or is it that Daoheng Bank doesn't want to acknowledge it?"

The woman was about to say something when Vice Minister Li stopped her with a gesture, and a smile returned to his face.
“Mr. Ye, Daoheng Bank prioritizes reputation above all else. If you truly have a deposit in our bank, we would never deny it!”

He then changed the subject: "However, regarding the deposit you mentioned..."

Firstly, we did not verify the facts in our haste and need to do further verification. Once we have clarified the matter, we will definitely give you an explanation.

Secondly, since we're here today to handle loan business, let's resolve this loan issue first!

Looking at the smiling man in front of him, Ye Dongsheng thought to himself that this guy was much more cunning than the woman under his command!
They didn't say that Daoheng Bank didn't acknowledge the deposit; instead, they said they would go back to check. In short, they were just trying to coax him into acknowledging the loan and signing a supplementary agreement first.

Ye Dongsheng smiled and said, "Okay, I can sign this agreement..."

Vice Minister Li was secretly pleased. As long as Ye Dongsheng signed the agreement, there was no way he could default on his mortgage! As for the 1960 million yuan in deposits, whether or not they would give it to him depended entirely on Daoheng Bank's attitude!

The next moment, Ye Dongsheng took out another agreement from the drawer: "But your Daoheng Bank also has to sign this agreement!"

Vice Minister Li frowned, flipped open the agreement on the table, and his previously polite demeanor vanished: "Mr. Ye, Daoheng Bank will never sign such an unreasonable agreement!"

This agreement clearly states that Daoheng Bank formally acknowledges that Ye Dongsheng's 1960 million yuan deposit in Hengfeng Bank has been completely taken over by Daoheng Bank and can be withdrawn at any time.

Ye Dongsheng scoffed and directly threw the Daoheng Bank agreement at the other party:

"You still have the nerve to say it's unreasonable? What is this agreement you brought? You make it reasonable for me to admit to a loan, but it's unreasonable for me to make you admit to a deposit?"
What? You only recognize loans, not deposits? I can only repay money, not withdraw it? Is this the logic of Daoheng Bank?
Your double standards at Daoheng Bank are truly eye-opening!

The two were thoroughly berated by Ye Dongsheng, but they were speechless and couldn't find a reason to refute him, since both Ye Dongsheng's loans and deposits came from Hengfeng Bank.

At the same time, Vice Minister Li also realized that Mr. Ye was very well prepared, and there was no chance of getting him to sign the agreement today!

Vice Minister Li's expression also darkened, and he threatened Ye Dongsheng:

"Mr. Ye, Daoheng Bank legally acquired Hengfeng Bank, and your property deed is now a legal asset belonging to Daoheng Bank!"
If you are unwilling to sign this agreement, then we will have no choice but to apply for enforcement!

Ye Dongsheng sneered, "Heh, do you think I'm easily intimidated! Forget about your application for enforcement; if you don't give me an explanation, I'll sue Daoheng Bank in court first!"

Vice Minister Li and his subordinates left somewhat disheveled. They needed to report the matter to the bank as soon as possible and come up with a solution.

At Daoheng Bank, a group of people sat in a small conference room, including the president, vice president, and several department heads. After all, the 2000 million loan and 2000 million deposit, totaling nearly 4000 million, were enough to gather all these important senior executives together.

"He said he wouldn't pay back a single penny unless we honored his deposit!"

The vice president slammed his fist on the table: "Withdraw the deposit? Wishful thinking! That wasn't even his deposit!"

"That's right! He's just playing tricks! I'd say we should just apply to the court for enforcement!"

For a moment, everyone in the meeting room was talking at once. They were always the ones exploiting others, and this time they actually encountered someone who dared to threaten them. It was outrageous!
The bank manager raised his hand, and the room quickly quieted down. He turned to the legal advisor and asked, "Attorney Han, in this situation, is that property transfer agreement legally valid?"

Attorney Han nodded and said, "As long as the agreement is signed by both parties willingly, it is legally valid."

"But please rest assured, Bank Manager, we have never denied the deposits at Hengfeng Bank; it's just that they are temporarily unavailable for redemption."

"What if it really goes to court?"

Attorney Han smiled and said, "This is not the same thing. Deposits and loans are two separate transactions and cannot be confused at all. How can you force two unrelated transactions together and cause them to affect each other? Even if it goes to court, we can apply to the judge to handle them separately!"

Everyone laughed when they heard this. In this way, Daoheng Bank would naturally be in an invincible position. They could use delaying tactics on deposits and apply for enforcement on mortgage loans!

This was the strategy they had agreed upon when they acquired Hengfeng Bank. As for how long it would drag on? Of course, it would be delayed indefinitely; they certainly weren't going to pay that amount!

The bank manager smiled and nodded, then asked, "According to your investigation, what is Mr. Ye's asset situation?"

“Excellent! His Dongfeng Express currently has a complete monopoly on cross-border express delivery from Hong Kong Island to the mainland, and it is constantly expanding into new business areas on the mainland. According to our estimates, Dongfeng Express's daily revenue is conservatively over 50!”

"Conservatively 50 per day?! That's so high!"

"Then the annual revenue must be over 2 million!"

"Cross-border express delivery is so profitable!"

The meeting room was immediately filled with astonishment. Many of them had never paid attention to Dongfeng Express before, and only learned about the store because of this meeting.

Even the bank manager was surprised, not expecting that this troublemaker was actually a super big customer!

"What about other aspects? Do you know anything about his background?"

The credit department staff shook their heads: "Manager, we couldn't find anything about that!"

After a moment's thought, the bank manager said, "Such a good customer is someone we should strive to win over."

We should talk to him first. The deposit is impossible to withdraw, but we can offer him a suitable interest rate discount on this loan!
Tell him this is the best we can offer privately!

"Yes, sir!"

No one objected to the bank president's decision. Everyone knew that if Daoheng Bank could secure a client with an annual turnover of over 2 million, it would bring the bank considerable benefits.

...At the same time, Ye Dongsheng also brought Wang Jianjun to Huang Dawen Law Firm.

As a Queen's Counsel and a pinnacle figure in the Hong Kong legal profession, Wong Tai-man has naturally opened his own law firm, with many lawyers affiliated with him.

"Mr. Ye, are you planning to file a lawsuit against Daoheng Bank?"

Ye Dongsheng nodded: "Attorney Huang, is it difficult?"

Huang Dawen had just heard Ye Dongsheng recount the whole situation. After thinking for a moment, he didn't answer directly, but instead looked at his apprentice:
"Sandy, what do you think? If this were in your hands, what would you do?"

Sandy immediately perked up: "Master, I think it's a good idea!"
Although deposits and loans are two separate transactions, both came from Hengfeng Bank. If Daoheng Bank wants Mr. Ye to acknowledge the legality of the loan, then they must acknowledge the legality of the deposit!
Daoheng Bank is now using delaying tactics with deposits, and I think the main point of contention between us should be the deposit redemption period.

We can attack Daoheng Bank's rights and obligations. While enjoying the right to immediate loan repayment from Mr. Ye, they should also fulfill the obligation to allow Mr. Ye to withdraw his deposits at any time!

Huang Dawen smiled and nodded, then asked Ye Dongsheng:

"Mr. Ye, I have one more question. What is your relationship with that Radar Dart? Are you sure he won't betray you and cause you trouble?"

Ye Dongsheng thought about Lei Dabiao's character and said with a smile, "Probably not!"

"Then there's no problem! I have a 9% chance of winning this case!"
To be honest, Mr. Yip, the banking sector in Hong Kong has been plagued by frequent defaults in recent years, with two banks collapsing this year alone. This has caused considerable public concern and anxiety. I have heard rumors that the Hong Kong government is preparing to overhaul the entire banking industry!

Now is a very good time for you to file a lawsuit!
"If we make this case a big deal, it will definitely attract the attention of the entire Hong Kong government, become a focal point, and even the Hong Kong government's attitude and the general public's opinion will shift in our favor!"

Ye Dongsheng couldn't help but smile: "Haha, with Attorney Huang here, I believe we will win this case without a doubt!"

Huang Dawen smiled and shook his head, glanced at his apprentice, and then said to Ye Dongsheng, "Mr. Ye, I have a request. I'd like Sandy to take over this case!"

Sandy was excited when she heard this. She had been a lawyer under Master Wong for several years and considered herself to be extremely capable, but the cases she had handled before were not considered big cases.

This case is very likely to become the focus of attention in Hong Kong, and may even become a bellwether case for the banking industry, which will undoubtedly have a huge impact.

This kind of opportunity is truly rare and hard to come by. As long as we win this lawsuit, we can step on Daoheng Bank to rise to the top and become famous in one fell swoop!
Therefore, she was also filled with longing and looked at Ye Dongsheng with anticipation, since the power to choose a lawyer was in Ye Dongsheng's hands.

Seeing that Ye Dongsheng did not speak immediately, Huang Dawen said, "Mr. Ye, don't worry, I will fully support Sandy in winning this case!"

Ye Dongsheng smiled and said, "Of course I trust Sandy's abilities. There's no problem having her as the lawyer for this case!"

Sandy was thrilled and bowed slightly to Ye Dongsheng: "Thank you for your trust, Mr. Ye. I will do my best to help you win this case!"

Ye Dongsheng smiled and changed the subject, saying, "However, I always like to make backup plans, so I want to draft a contract first, so that if something unexpected happens and the court forces us to auction the property, we will have a solution."

"Hmm? Mr. Ye, please speak!" Huang Dawen and Sandy were both quite curious.

Ye Dongsheng smiled. Foreclosed properties were actually born along with bank mortgage business, and Hong Kong Island has a seemingly mature set of methods for handling them.

However, this level of sophistication is nothing compared to what we see in later generations, where foreclosed properties have been used in countless creative ways!
Ye Dongsheng pointed to Wang Jianjun beside him and said, "I want to rent all of these properties under my name to Jianjun. The rent will be 3 yuan per month, with an annual increase of 5%, for a term of 20 years! I've calculated it, and the total amount is 1190.38 million yuan."

Upon hearing Ye Dongsheng's words, Huang Dawen's heart stirred, and some ideas began to form in his mind. Sandy, on the other hand, directly asked:
"Ye Sheng, what are you doing..."

Ye Dongsheng laughed and said, "Hehe, if we really have to go through the judicial auction process, then the decision-making power will not be in the hands of Daoheng Bank, but in the court, including the pricing power of the house and the bidders!"

"I'd like to ask Attorney Huang to act as a go-between and get the relevant people to lower the starting price as much as possible. Then, during the bidding phase, I'll have Jianjun take some people to talk to the other bidders individually. How many of them do you think would still be willing to bid on the house that already owes 1190.38 million?"

Sandy opened her mouth, completely surprised that foreclosed properties could be handled in this way!

The list of bidders will be finalized by then. If they are really scared by Ye Dongsheng and his men and find out that there is a dispute of 1190 million yuan behind the house, who would want to spend money to get involved in this trouble?

There are already few people participating in the auction of foreclosed properties. With this arrangement, Ye Dongsheng will be the only bidder left, and he will win the house at an extremely low starting price!
Huang Dawen immediately gave Ye Dongsheng a thumbs up and praised him, saying, "Mr. Ye, you're even more knowledgeable than us professional lawyers!"

These are just some of the tricks Ye Dongsheng used in his previous life when dealing with foreclosed properties. He was simply using them in advance. There were many other, more elaborate tricks, but I won't go into them.

Ye Dongsheng smiled and waved his hand: "I'm just preparing for the worst before I'm winning! Of course, if we win the case, we won't need any of this! I have faith in Miss Sandy's abilities!"

Sandy immediately assured him, "Mr. Ye, don't worry, I will definitely win this lawsuit!"

……

On the way back, Wang Jianjun asked Ye Dongsheng, "Brother Sheng, what if those people at the bank do something desperate?"

Ye Dongsheng said, "It involves tens of millions of yuan. They certainly won't sit idly by then. But even if they're desperate, their target probably won't be us!"

He could guess what Daoheng Bank would do then. In their eyes, the best breakthrough point would probably be the radar dart, using all sorts of coercion and inducement. That's why Attorney Huang specifically mentioned the radar dart earlier.

Ye Dongsheng thought for a moment and realized that he should visit Ruan Mei's house again soon to specifically remind Lei Dabiao's family.

When Ye Dongsheng and Wang Jianjun returned to Dongfeng Express, Ruan Mei immediately ran to Ye Dongsheng: "Brother Sheng, someone is looking for you. They've been waiting for quite a while!"

As she spoke, Ruan Mei pointed to a man sitting in the corner rest area. Upon seeing Ye Dongsheng, the man stood up and walked over with a smile.

"May I ask who you are?" Ye Dongsheng asked politely.

The man extended his hand and said, "Hello, Mr. Ye, my name is Chen Yao!"

I usually help Mr. Jiang with some affairs, and I've come today specifically to invite Mr. Ye to meet with Mr. Jiang at the Peninsula Hotel tomorrow!

P.S.: Sorry! I just posted the wrong draft by mistake.
(End of this chapter)