What would you do if your loan from the bank is overdue, but 30 years have passed since the bank and no one is looking for you to collect it, and your loan records cannot be found in the banking system?
Will you forget about the loan and live your life with peace of mind?
Will you take your debts to the grave without paying them back even if you have money?
Will you still take the initiative to repay the money and give yourself a clean life?
In the choice between interests and integrity, many people will be entangled.
Some people choose interests and turn their backs on integrity, but no matter how many springs, summers, autumns and winters go through, some people still suffer moral condemnation in their hearts.
Cicero said: "What is dignity without integrity? ”
There is a dishonest person who chooses to regain his integrity and regain his dignity after countless years of running over their dignity.
01 Lucky dishonest people, unfortunate life
Uncle Li is a "lucky" dishonest person, he borrowed 1,000 yuan from the credit union in 1988, and no one collected the debt from him after many years of overdue, and the credit union was transformed into a rural commercial bank, and there was no trace of his loan records in the system.
Uncle Li has an unfortunate life, he has no children under his knees. In 1988, he was a local fisherman who found a local credit union to borrow 1,000 yuan because he needed diesel fuel to buy a fishing boat. However, when I was fishing at sea that year, I was hit by a typhoon, and the boat was destroyed by the waves, and I was washed up on the beach while holding a pontoon.
Fortunately, he was rescued by a passing well-wisher and picked up a life.
Uncle Li, who escaped death, lost his fishing boat and lost his source of income and was unable to repay his debts. He had to do odd jobs to make ends meet.
Back then, people from the credit union found him and urged him to repay the loan, but after learning about Uncle Li's situation, he chose to give up.
The frequency of the credit union's reminders gradually decreased, and by the time Uncle Li had savings of more than 1,000 yuan, the credit union had not contacted him for more than two years.
In that year, 1,000 yuan was still a "huge amount of money". Uncle Li couldn't help but have the psychology of escaping in his heart, he thought:
"The credit union must have forgotten about this debt, and if they don't come to me, then I won't pay it."
After that, the people of the credit union never looked for him again, and he was "successfully" forgotten.
He tried to accept this "luck" with peace of mind.
02 years have forgotten him, and conscience condemns him
When he discarded integrity, he found that dignity also fell to the ground, and he felt like a thief who stole money every day, only now the "stolen person" forgot and didn't care about that money anymore.
However, Uncle Li cares!
After that, every time he passed the credit union, he walked over with his head down.
Uncle Li's head has been low for more than 30 years.
Uncle Li, who is nearly 70 years old, is getting worse and worse, and his movements are becoming more and more sluggish. One day, he heard someone say that the town's Rural Commercial Bank was carrying out a collection campaign. Like a "fugitive", Uncle Li quickened his pace and went home to hide.
In fact, the Rural Commercial Bank had also had a collection activity before, but he didn't find him once, but every time he heard the news of the collection, his heart would beat faster, his breath would be short, and he would hurriedly find a place to hide. In the past, all the collectors have never walked into his door. But in his heart, he was torn apart every day.
That day, Uncle Li didn't sleep all night, and the next day he rummaged through the cabinets and took out all his savings. Because of the timidity in his heart, he didn't dare to deposit all the money he had earned before in the Rural Commercial Bank.
At 5 o'clock in the morning, Uncle Li walked slowly to the door of the Rural Commercial Bank. He stood at the door and waited until the business hall opened.
He stood at the window and told the teller:
"I'm going to pay it back!"
03 Pay off all the loans and regain your innocence
The teller immediately helped Uncle Li to inquire, but after checking for a long time, there was no loan information for Uncle Li. The teller had no choice but to say, "Sorry, you don't have your loan information, did you remember it wrong?" ”
Uncle Li said: "I can't be mistaken, I did borrow money from the credit union? ”
The teller asked, "Do you remember when you took out the loan?" ”
Uncle Li said: "October 9, 1988. ”
The teller lady was surprised when she heard this, she was not born at that time, and the bank did not have a loading system at that time. After the person in charge of the outlet knew the situation, he plunged into the archives, and finally found Uncle Li's loan information, which had been yellowed, but he could clearly distinguish the handwritten loan contract and application.
Finally, after checking the loan information, we cooperated with the Accounting and Settlement Department to calculate the loan principal and interest.
After repaying the loan, Uncle Li stood at the door of the Rural Commercial Bank and finally raised his head. I believe that at this moment, Uncle Li can understand another sentence that Cicero said: "Confession is the magic medicine that makes people's hearts feel relaxed." ”
After the loan that spanned nearly 30 years was settled, Uncle Li finally breathed a sigh of relief and said excitedly:
"Finally paid off the debts of the year!"
In the case of being extremely "lucky", the dishonest person may be lucky to become a "fish that slips through the net", but at the same time, it means that the person will suffer from inner condemnation for the rest of his life, and he will be a man with his tail between his legs, and the moment he loses his integrity, it also means that he will lose his dignity together.
And the only way to save is to confess, as Mark Twain said, "Confession is the product of honesty and bravery." ”
Back to the beginning – what do you do if you borrow money but can't pay it back when the agreed repayment deadline comes?
You should work hard to earn money, pay off your debts as soon as possible, and have an easy life.
Integrity is priceless!