Chapter 779: Storm the Loan Company!

The moment the call connected, the earpiece...... transmitted a solemn and grave voice.

"Hello, may I ask if this is Mr. Lin Yuan himself?"

Lin Yuan's heart gave a slight jolt; he suppressed the unease welling up from his chest and replied in a low voice:

"It's me, I'm Lin Yuan. What's the matter?"

After confirming his identity, the other party's tone grew even more solemn, each word coming through clearly:

"Mr. Lin Yuan, this is the Chengshang Qu High People's Court Litigation Service Center. We have today formally received the lawsuit filing from Vital Energy Loan Financial Institution against you, the cause being a financial loan contract dispute."

Lin Yuan's mind suddenly sank, and his whole body froze in an instant.

Before he could even react, the voice from the earpiece...... continued to relay the key information in an orderly manner.

"After investigation, the five million yuan business loan you took out on the Vital Energy Loan platform half a year ago has long passed its due date, with principal and interest long overdue despite repeated collection attempts; the platform has now formally filed a lawsuit with our court."

The staff member's voice was icy, each word carrying a strong sense of oppression.

"According to the relevant provisions of the Civil Code of the People's Republic of China on loan contracts and the agreement signed by both parties, we have now formally accepted this case and will schedule a public trial at a later date."

"I hereby formally notify you that, before the trial, we will lawfully freeze all your bank cards, WeChat, Alipay, and fixed asset accounts to preserve your property. If, after the trial, you still cannot clear the debt, our court will enforce execution according to law, place you on the list of dishonest debtors, simultaneously report to the credit system, at which point you will be restricted from high-end consumption, travel, credit, and all social benefits, and you shall bear the consequences yourself."

A string of solemn legal terms came down through the earpiece, with no room for leniency, each word striking at the heart.

Lin Yuan was completely dazed, standing frozen in place.

He had originally thought that this debt had long been settled and closed, but,,

He never expected...... that he actually still owed a huge five‑million‑yuan debt, and that the platform had even sued him in court??

The sudden lawsuit and massive debt instantly threw Lin Yuan's mind into turmoil.

Lin Yuan simply could not accept this claim.

Lin Yuan immediately...... protested loudly into the phone, his voice full of resentment:

"No! When did I borrow five million from their platform? Did Vital Energy Loan make a mistake?"

Lin Yuan gripped the phone, his emotions somewhat out of control, his speech rapid:

"At most I only borrowed a hundred thousand yuan as an emergency online loan from their platform, and I've already repaid principal and interest in full—I don't owe a single cent! How did a five‑million‑yuan debt suddenly appear?"

The court staff member on the other end of the phone...... showed no change in emotion, still speaking in a cold, business‑like tone, devoid of any personal feeling:

"Mr. Lin Yuan, we only handle cases based on the lawful documents submitted by the plaintiff. According to the paper loan contract and electronic signing records submitted by Vital Energy Loan, your registered debt amounts to exactly five million yuan, the evidence is complete and has legal effect."

Those words struck like a thunderbolt, exploding violently in Lin Yuan's mind and leaving him completely dazed in place.

Lin Yuan's mind went completely blank.

He instantly realized that he had been set up in a malicious scheme by the Vital Energy Loan platform!

He, clearly, had only taken out a small online loan of a hundred thousand.

As a result, the other party had secretly altered the contract amount, conjuring out of thin air an extra five‑million‑yuan debt??

This method...... is simply too vicious!

Before Lin Yuan could calm his emotions, the reminder from the %court in the phone came again:

"Sir, I remind you again solemnly: if you do not proactively settle the debt before the trial, we will proceed with the trial as scheduled; if, after the trial, you still refuse to fulfill the obligation, we will take compulsory enforcement measures, and all consequences will be borne solely by you."

Lin Yuan felt his chest tighten with anger, both anxious and furious, and he instinctively protested: "They're engaging in usury! They're maliciously digging pits to harm people! This is utterly an unreasonable, false debt!"

"Regarding loan interest rates and platform violations, that falls outside our jurisdiction." The staff member spoke in a flat yet decisive tone, leaving no room for flexibility: "Our judicial organ only recognizes written contract evidence."

"The contract clearly states in black and white a loan amount of five million yuan, and it bears your handwritten signature and fingerprint imprint, giving it full legal effect—you cannot deny it."

After hearing those words, Lin Yuan went limp all over, his back soaked through with cold sweat.

He finally fully realized, this red, greasy cat.

Back then, in urgent need of money, he hastily signed the online loan contract.

He never bothered to check the clauses word by word.

Lin Yuan never imagined...... that the other party had secretly tampered with the loan page, altering the loan amount, deliberately setting this enormous trap for him.

Half a year later, old debts surged up; the fabricated five‑million‑yuan debt and lawsuit directly pushed him into a desperate situation.

Feeling suffocated and angry, Lin Yuan could no longer hold back and shouted into the phone:

"I want to report Vital Energy Loan! They deliberately set up a scheme to tamper with contracts, maliciously harming ordinary people—this is a violation and a crime!"

The court staff member on the other end of the phone remained icy‑toned, without a ripple.

The staff member responded formulaically to his accusation:

"Mr. Lin Yuan, our court only handles loan dispute cases; whether the platform is suspected of fraud or illegal scheming is outside our jurisdiction."

"If you doubt the platform's illegality, you may contact the local police and the Economic Investigation Department to submit materials for reporting; our court has no authority to intervene in the investigation."

Having said that, the staff member, in a strictly businesslike manner, informed him of the final deadline, clearly outlined the trial schedule and the property preservation procedures, leaving Lin Yuan no room for negotiation or defense.

As the words fell, a crisp disconnect tone came from the earpiece, cold and merciless.

The busy signal kept buzzing in his ear, Lin Yuan clutching his phone,

The anger in his chest could no longer be suppressed.

He had never felt so stifled.

This, clearly being a malicious frame‑up, now forces him to bear an unfounded huge debt and face the risks of litigation and compulsory execution?

Without the slightest hesitation, Lin Yuan immediately pulled up his contacts and dialed the official number of the Economic Investigation Department.

Lin Yuan detailed, word for word, the full situation of Vital Energy Loan tampering with contracts, malicious lending schemes, and framing borrowers.

He recounted in full how he had borrowed a hundred thousand yuan back then, already repaid it, yet now was being falsely saddled with a fabricated five‑million‑yuan debt.

Lin Yuan originally thought...... that his evidence was solid and the facts clear, and that once the Economic Investigation Department intervened, they would surely uncover the platform's violations and help clear his name.

But after a long wait, the reply came as a direct blow to his head.

The Economic Investigation Department staff member^ patiently examined the platform's registration qualifications, past operational records, and all publicly available case files, finding no issues?

On the phone, the Economic Investigation Department staff member, in a calm tone, replied to Lin Yuan:

Sir, our system check is complete; the Vital Energy Loan platform has full qualifications and operates compliantly, with no records of illegal activity, predatory lending, or contract fraud in the registered files. Your feedback currently has no supporting evidence.

These words completely crushed Lin Yuan's last hope.

He stood blankly in the office, his mind a void, a bone‑deep chill in his heart.

Only now did he fully wake up: Vital Energy Loan was no simple small online‑lending platform; the other side's methods were far more sophisticated and meticulous than he had imagined.

They had long prepared all evasion measures, white‑washed every operational trace, and the contract‑tampering operation left no trace, clean in both external filings and official systems, with not a single loophole.

Vital Energy Loan, just like that… forcibly turned Lin Yuan's genuine entrapment into a baseless quarrel.

Lin Yuan's teeth itched with rage, his whole body tensed.

All legitimate channels were blocked, the courts refused to listen, and investigations turned up nothing.

It's obvious… the force behind Vital Energy Loan is not simple.

The other side layered their bribes, sealing every official channel tight.

Lin Yuan immediately unlocked his phone and pulled up the contact info of police officer Mu Lingxue.

With Mu Lingxue's authority and connections, the insider info others can't find will surely dig up the dirt.

Waiting passively for death has never been his nature.

Seeing that he was about to be completely crushed by this baseless five‑million debt, Lin Yuan instantly thought of the only breakthrough.

He dialed quickly; once connected, Lin Yuan wasted no words, swiftly laying out his whole ordeal—being lured by Vital Energy Loan, having his contract altered, facing malicious prosecution, and official inquiries that came to nothing.

After hearing the full story, Mu Lingxue learned that someone had maliciously set a trap to frame ordinary people, and she immediately used her internal special authority to launch an urgent deep investigation.

Not long after, Mu Lingxue relayed precise information.

Vital Energy Loan—the false address publicly displayed is nothing but a front.

The true headquarters of Vital Energy Loan is hidden in the 50th floor, Building B, Laifusi Center, Qianjiang New City.

Located in the core golden commercial zone of the city center, it is extremely concealed—no wonder ordinary people can't find any clue at all.

The moment he got the exact address, a sharp gleam sparked in Lin Yuan's eyes, and the anger pent up in his heart exploded thoroughly thoroughly.

Since they play dirty and rely on their backing to white‑wash everything, he will go there himself and tear open their façade face‑to‑face!

Lin Yuan suppressed his agitation, composed himself, and immediately went to Su Monong's office to ask her for leave in person, explaining that he had a very urgent private matter to handle this afternoon.

Su Monong saw his grim, tense face suffused with hostility and thought something had happened to him.

However, Su Monong didn't ask for details and simply approved his leave.

After securing the leave, Lin Yuan wouldn't waste a second; he turned and briskly walked out of the Su Group, got into his car.

The car door shut, the engine roared instantly, the Tesla shot out like an untamed horse, bursting from the parking lot… speeding toward Laifusi Center in Qianjiang New City.

Today he will directly storm the Vital Energy Loan headquarters and personally tear open the whole schemed entrapment!

……

Ten‑odd minutes later.

The Tesla sped all the way and steadily stopped in the underground parking lot of Laifusi Center, Qianjiang New City.

Lin Yuan pushed open the car door and stepped out, hostility still on his face.

Lin Yuan hurried his steps, headed straight for the high‑level elevator, and quickly pressed the button for the 50th floor.

The elevator rose swiftly, reaching the destination in just a few tens of seconds.

As the elevator doors slowly slid open, Lin Yuan lifted his gaze—and instantly froze in place.

Lin Yuan's pupils contracted sharply, his head rang with a boom, and he was completely dazed.

What he had expected… a cramped, shabby online‑loan office area did not appear at all;

What met his eyes was a vast, high‑end office area.

The whole office area was luxuriously decorated and grand, with floor‑to‑ceiling glass that was transparent and bright, everywhere exuding the aura of a top‑tier corporation.

Most striking was the huge metal sign hanging in the center of the grand hall, shining brightly, boldly engraved with four large characters—Divine Phoenix Group!

The massive logo covered the entire wall, eye‑catching to the extreme, impossible to mistake.

Lin Yuan stood stunned on the spot, a huge surge rising in his heart.

He was looking for Vital Energy Loan.

Here, why is there a sign for Divine Phoenix Group??

The headquarters of Vital Energy Loan is actually hidden inside Divine Phoenix Group?

Lin Yuan could hardly believe his own eyes.

Lin Yuan stared at that sign repeatedly, his mind in utter confusion.

He never imagined that a platform dedicated to digging pits and entrapping ordinary people would be backed by the renowned Divine Phoenix Group.

For a moment he even thought he had mistakenly pressed the wrong floor in his haste, causing a mix‑up.

To be sure, Lin Yuan turned, walked out of the elevator, and went down one floor via the stairs to the 49th floor.

But the result was the same.

The 49th‑floor office area likewise bore Divine Phoenix Group's exclusive signage, with workstation layout, corporate culture, and furnishings identical—completely a Divine Phoenix Group office space.

Lin Yuan still wasn't convinced; he quickly checked the office areas of the floors above and below, one by one.

The more he looked, the colder his heart grew.

The entire upper half of Building B consisted solely of Divine Phoenix Group's headquarters offices, with no trace of any outside company being hosted, while the Vital Energy Loan office area was nested inside the Group's innermost core.

At that moment, all his doubts vanished instantly.

No wonder Vital Energy Loan's methods are so sophisticated—white‑washing every trace, investigations find nothing, courts only recognize their fake contracts, with layers of people covering for them and everything running smoothly.

It turns out the hidden backer behind all this is not some ordinary small conglomerate but the vast, far‑reaching Divine Phoenix Group!

Lin Yuan stood there, his mind a blank, his whole person utterly dazed on the spot, his heart left only with endless absurdity and helplessness.

He simply couldn't fathom how, after all the twists and turns, every miserable affair was somehow tied to Divine Phoenix Group.

Recently he had expended a great deal of energy, maneuvering through layers, deliberately distancing himself, and only with difficulty managed to completely disentangle himself from all ties with the Divine Phoenix Group, painstakingly severing all relations with Qin Bore.

He only wished henceforth to have no overlap and live a peaceful life.

Lin Yuan had thought…… he had long since completely broken free of the Divine Phoenix Group's circle, and would never again have any connection with that vast business empire.

Who could have expected that half a year ago, a mere 100,000 online loan, someone secretly set a trap, and after several years it exploded into a huge false debt of five million—this deadly entrapment……

The backer behind it turned out to still be the Divine Phoenix Group.

A strong sense of helplessness…… mixed with anger swept through his whole body.

Lin Yuan gritted his teeth, feeling extreme reluctance deep down.

He refused to believe this evil; today he must get to the bottom of this matter and tear open these layers of covering-up.

Lin Yuan hesitated no longer, suppressed his surging emotions, stepped forward and strode straight to the office of the person in charge at the park's core, the highest-spec office, rushing there quickly.

Employees along the way saw his grim expression and formidable aura; none dared to step forward to block him, all instinctively stepped aside, letting him pass unimpeded.

Soon, Lin Yuan strode straight and pushed open the door of the top-floor Chairman's Office.

Inside the spacious, luxurious top-tier office, light flowed freely; the minimalist, high-end décor fully displayed the aura of a wealthy conglomerate.

And the silhouette behind the desk made Lin Yuan's pupils contract sharply, freezing him in an instant!