My name is Haibara Tatsuyuki.
I have worked in Teikoku Finance, a loan company, for 15 years.
We can't avoid other people's misfortune in this business.
Lend them or not? Pick one.
Our president, Kaneko, passed away 5 years ago.
His last words were...
"There's a limit to money and life. Remember that."
There's a limit to money.
People tend to forget that and tries to get easy money.
Due to the unstable economy and the law revision,
it's getting difficult for us to do our job.
Sometimes we have to hurt people,
and corner people's life to the edge.
And I'm still struggling, looking for my own path in the loan business.
Hello. Teikoku Finance here.
You bounced a check, didn't you?
My client got bankrupt and he told me he can't pay, so...
I couldn't do anything about it.
So do you have the money ready?
I gathered it, somehow. Here, 500,000.
Thanks.
Haibara.
Here's the bounced check for this month.
Sorry, I made you worry.
Then... please pay for the next month's check
and the month after that, within today, too. / Why?
Please pay 1.29 million now. / That's absurd.
Why do I have to pay next month's installment now?
When you borrowed the money from us,
you stamped your seal on this IOU, right?
Yes, I did. / It's written "Once you bounced a check,
"you have to pay back the whole amount immediately."
Once you bounced a check, you have to pay it all back. It's an inviolable rule in the loan business.
That's horrible. Wait a minute!
You just bounced a check. What are you talking about!?
You have to properly return the money you borrowed.
Don't underestimate loan sharks!
I'm penniless. I'm gonna be bankrupt.
I don't care whether you're bankrupt or corrupt.
If you're not gonna pay us,
then we'll look for your guarantor and ask him money.
Wait a minute. / Hey.
Setsuko. / You're bankrupt now?
I'm going back to my parents' home with Masayuki. I'll send you the divorce papers later.
Why!? / I wanna be with Dad.
Masayuki! / I'm taking him with me.
I'll take the custody rights.
C'mon, hurry. / No! I don't wanna go!
Hurry up! / Dad!
Masayuki!
Boss. Hurry get your son back.
He's your beloved son, right?
You love your son more than anything in the world, right?
Kuwata-han. / Aren't you a father?
If you're a father, you shouldn't let her get the custody.
You care so much about me. Thank you.
You idiot. Who cares about your life?
If you can get your son to stay with you,
you'll get 40,000 yen of child rearing allowance every month.
And you can use that to pay your debt.
Hurry get the brat back.
Go! / Okay!
Run!
Wherever it comes from, money is money, after all.
We lend money to people with financial difficulties, and when they can't return it,
we will collect it mercilessly, no matter what.
That's my job.
SHIN NANIWA KINYUDO
Broadcast Date: 24 January 2015 Rating: 13.8% (Kanto) / 16.1% (Kansai)
Welcome. May I help you?
I'd like to request loan.
Sure.
Excuse me. / Welcome.
I'd like to request a 50,000 loan.
50,000 yen loan. Okay, we'll carry out an inspection.
Please fill this form.
Boss, boss. You don't have to do this.
Please, sit down. / Idiot.
This company was built by Kaneko-shacho.
I'm just a successor.
He's still here with us.
So cold. I'm back.
I just collected money from Meisou Project. / Thank you.
Welcome back. / Have you gotten used to your work?
I have never expected there are so many people with financial difficulties.
What is the prime minister doing?
Don't talk big. / Sorry.
Here. This month's payment.
Alright. / Where's Kuwata-san?
Matsuno-san is making an apology. / Matsuno-san.
I'm really sorry.
Then, how are you gonna pay us back?
The FX... or is it fax... business...
...is not making money, at all.
Will it make money when yen is low?
Or when yen is high?
What is money exchange, in the first place!?
You didn't know anything about the business and yet you turned your hand to it, it's your fault.
Hey!
Return the money you borrowed at once!
You're right.
That's true... Right.
Of course.
Then, I'll pay with my life insurance.
Wait a minute! What are you doing!?
Hey, wait. This is not a joke!
There is no other way for me!
I don't know what will my wife say.
Haibara, don't let him go.
What is it? Hey... don't!
You know what!
I have nothing other than my insurance!
Being dead won't help us! / Goodbye, everyone!
Your death is useless, even if you jump.
Why?
You registered this insurance January last year, right?
Yes, it has been more than a year.
Too bad.
The insurance companies' new rule says that they only cover suicidal death 3 years after registration.
It has been only a year, so we won't get any money.
Seriously?
Do that somewhere else, you moron!
It was dangerous. Geez...
This job never bores me.
Then, let's talk about how you're gonna pay us back.
You're right. Okay, okay.
The law concerning debt collection has changed and gotten more strict.
Many financing companies went out of business and gone bankrupt due to the new regulations.
Teikoku Finance bought some of the unsettled debts for almost nothing.
There are days when we go to collect one of those unsettled debts.
Is it here?
Good morning.
May I help you? / We're from Teikoku Finance.
Can we come in? / What is it?
Sir. Didn't you borrow money from Nichibotsu-san of Shoko Loan?
Yes, but...
That place has gone bankrupt long ago. My debt is cleared now.
No, it's not. / What?
We took over your IOU from Nichibotsu-san.
So, we are your legitimate creditor now.
Please, take a look at this.
What?
So my debt still exist?
That's right. Because we took over the credit.
So you have to pay it to us.
Apparently, you have returned half of it. The rest of the amount, including the interest,
is 9 million yen. / No way.
You came here all of the sudden and asked me to pay you 9 million, that's absurd.
You used your land as collateral, right?
The land's mortgage rights has also been transferred to us.
The land too?
We're the sole party taking mortgage on the land.
So, if we sell it, we might get 10 million.
What are you talking about? I just know you.
Dad...
I brought you lunch.
She's my daughter, Yoko. / What's wrong?
They asked me to return the money I borrowed from Nichibotsu-san.
That's impossible.
What do you do for a living?
I'm a nurse. A temp worker.
Temp, huh. I guess you can't borrow money, then.
Then you have no choice but to make money from the land.
Wait. That land...
Please wait for one week. / No, no.
Hurry just sell the land and return our money.
Wait. Please.
Kuwata-san. Let's wait for a week.
We shouldn't, Haibara.
What if they run away?
I'll be responsible and manage them.
We won't run away.
Okay, fine.
Then, get them sign the blank POA (Power of Attorney).
Okay.
Then, please write your name, birthdate and address here.
Please stamp your seal too.
We'll come again a week later.
Just go straight ahead right?
Maybe a little bit more.
Should we go back? We might be wrong.
Here it is. Magonote-san's land. / How big is it?
2310 square meters. It's worth 7800 yen per square meter.
We can sell it for more than 10 million, huh.
Then, we should have no problem in getting 9 million.
Well... if worse comes to worst, we can always soak that girl.
What?
You fell in love with her?
No... I'm not.
Haibara-kun, it's time for you to settle down and have a family, huh.
It costs you a lot if you keep going to the brothels, right?
Shut up.
What happened to that hostess?
Momo-chan from Tatamiyasuji? Where is she now?
She ran away. / Really?
That Wanderlei Silva ran away from you?
Poor boy.
She looks a lot like Wanderlei Silva, y'know.
We have to gather 9 million by next week.
What should we do, dear?
It'll be alright. I'll do something about it.
Do we have to sell the land?
No, we don't. We have managed to overcome tough times, thanks to that land.
That land is like family for us.
No... that land is Mom.
Welcome.
They came in the afternoon that day.
Um...
Thank you for waiting. Welcome.
Can we borrow 5.. 5...
We'd like to borrow 500,000 yen.
Kobone-san, so you work in food wholesaler.
We need 500,000 immediately.
Actually, my husband...
What? I have to sell these all out?
Our manager ordered this without discussing it to anyone else.
He must've entertained someone with this.
There are 200 cases. / 200...
Toss them away to the supermarket you're in charge of.
I'm counting on you.
Wait... Wait...
No way...
10 cases of canned sardines? / Yes.
Can you please display them?
We don't have space for it. No way.
Please, I beg you!
Gee... look at the time.
Let's talk about it while having lunch.
I need your help. I have to sell 200 cases.
Oh no. I forgot.
What is it?
It's my girlfriend's birthday next week.
I have to give her a present.
Oh, no.
I can accept 15 cases, y'know.
I can even accept 20 cases...
...but if you agree to the condition.
Here you go.
5000 yen?
I can't buy something special with this, but oh well...
Pay for my lunch too, okay?
I'll bring over the other 14 cases.
Who promised you that? Six cases are enough.
Wait... Hey!
Take down 2 cases of canned peaches while you're at it.
On the top... / Oh, okay.
He's pushing me around.
Are you okay?
I'm so sorry.
Please accept this little gift.
There are only 2 sheets of notes here.
The doctor said it's just a bruise.
Ow, ow. I'm an adult, y'know...
I know that my wounds won't heal by blaming Kobone-kun.
Then, please sign this out-of-court settlement statement.
Can you please leave me alone with him?
Okay, then. I'll leave.
I'm counting on you. / What? Wait... Boss.
His company should be able to cover all the cost.
But he told me, the company only gave a get-well money gift and he has to pay the rest himself.
Can you please have 500,000 ready for me?
500,000? What do you mean?
My dominant arm is injured.
I need to hire a helper to help me with things.
Alright. I'll have it ready.
Write a pledge for that.
Write it as I say.
I caused incident
on January 8th, 2015.
I'll squeeze money out of him, as much as I can.
Can't you borrow money from your credit card?
I have used it to treat my clients lunch
and to give product discounts.
I thought of borrowing from my card.
But the law has changed now and apparently I need to show them my income certificate for cashing.
Housewives can't borrow easily anymore now, indeed.
Haibara-kun.
Wait a moment, please. Excuse me.
The guy have borrowed quite a lot from other places.
Really?
Haibara-kun! / Yes.
We shall not violate the law.
We cannot lend them any money!
I see. Very well, Sir.
Can't we borrow money?
We deeply apologize, but the total amount that your husband have borrowed,
is more than 1/3 of his annual income already.
It's a regulation settled by the government.
We can't give you loan.
You can't?
Any proper loan office would not be able to lend you money now.
Thank you for your time.
Thank you.
I'm sorry.
Go now.
Excuse me. Please wait.
Please wait a minute.
You'll lend us personally?
I'm an office worker too.
So I have to follow my company's policies.
But we're worried you'll borrow from illegal loan shark.
Please use this, if you'd like.
What should we do?
We can't borrow from anywhere else anyway.
Let's just accept his good intention.
You're right. Then, I'll borrow your money.
Please write a simple IOU.
You're the debtor and your wife is a joint guarantor.
The interest is 15% a year.
How about the payment due date?
Just leave it empty.
I trust you, Kobone-san.
Thank you very much. We'll return your money as soon as possible.
It's 500,000. Thank you.
Thank god.
Coming in.
Ah, Kobone-kun.
She's a helper.
You may leave.
So, do you bring the money?
500,000.
Thanks.
Okay, I'll be leaving now. Get well soon.
Hang on, will ya? I'm not finished talking to you.
Yes? / My fish have died,
cause I'm hospitalized.
I brought it up myself. It's Asian arowana.
It cost me 200,000.
A total of 300,000.
300,000!? Wait a minute.
Is that my responsibility too?
You promised that you'll compensate everything I lost.
Noriko.
I was looking for you.
What's the matter, Mom?
You're not working today?
Can you help me? I need to borrow money.
Money?
I hit a car from behind when I was riding my bicycle during work.
The car's owner asked me 70,000 for the repair cost.
Geez... What did you do?
Help me.
There's no one else I can ask help to.
But, I don't have...
Mrs. Kobone called me and asked me to come.
Please. / Thank you.
Haibara-san, can you please lend me another 70,000 without telling my husband?
70,000? / Please.
I'd love to help you,
but 500,000 I lent you the other day, was the last thing I can do.
You have credit card, right?
Yes, but I can't borrow money from it due to the regulation.
But your shopping function is still active, right?
You can get 70,000 by turning that into cash.
Seriously? / Yes.
For your information...
Your card's expiry date is the end of the year.
Your shopping limit amount is 300,000, right?
Yes, and I haven't use it at all.
Okay, then. So I'll accept your purchase of our product.
I can get cash by buying your product?
Yes.
Yes, cashback service is attached to our products.
If you buy 120,000 yen of our product,
we can give you 84,000 yen cashback.
Taking cash out of the credit card's
shopping function means making a debt.
The seller makes the customer pay with credit card
and they sells very cheap products in illegal prices.
They cashback 70% of the price
and gains 30% profit for themselves.
The credit card company will properly pay the seller.
Because there are different laws
applied for the cashing function and shopping function.
Noriko-san is able to get the cash because there are two different laws for one card.
Thanks.
You're definitely gonna return it, right?
Yes, don't worry, I'll return it to you.
I'll go back to work now. Thanks.
The easier you get money, the faster you fall.
Yoko-san from the Magonote Engineering called me,
before the promised due date.
What would you like to talk about?
I have tried to gather money, but one week is impossible.
Can't you introduce us any other place that can lend us money?
I'm sorry, but you've borrowed 9 million from us.
I don't think there's any financial institution that you can borrow money from.
Really...
The law has changed and it has become impossible to borrow unlimited amount now.
The era has changed.
It's the era when the government and the loan offices can't help us, huh.
You have no choice but to sell that land...
I won't.
You said that before.
May I know why?
Have you seen snow before?
Snow falling on the sea, I mean. I saw snow falling on the sea, y'know.
I saw it from that land with my mother. It was an afternoon in the winter.
Snow didn't fall on the place we stand,
but it was falling across the sea, without a sound.
I couldn't even see the horizon anymore. The blue sea has turned white.
It was so beautiful.
When my mother passed away 3 years ago, she said,
"Let's build a house on that land and live there someday."
"We'll be able to gaze at the sea anytime, then."
"We can see the snow falling on the sea, then."
Yoko...
It's a place that reminds me of my mother.
I see.
But I can't do anything.
The due date is in the next 4 days.
I'm sorry.
I'm leaving.
Please. Thank you.
Welcome.
May I help you?
Can I borrow money here?
Please, come in. This way.
The Kobone couple's case isn't over.
This time, Mr. Kobone came to me.
Thank you for waiting.
Please lend me another 300,000 and don't tell my wife!
Again?
The Asian arowana died.
Asian arowana...
You'll do as I say, once the guy come.
Yeah, but I caused his injury.
Calm down a bit. He's trying to fool you.
Is that so? / After you pay 300,000 yen,
he'll definitely ask you for more.
You have to fight this firmly.
Hey, Kobone-kun.
Who is he? / I'm Haibara from Teikoku Finance.
Kobone-san will borrow
300,000 yen from me, to pay you,
so I'm here to see you.
Welcome.
Vienna coffee.
Well, as long as you can pay compensation for my tropical fish,
I don't care where you get the money from.
You wrote... ow, ...the pledge, anyway huh.
Kobone-san. / Yes.
So can you please write me an invoice?
Invoice?
We can only give loan
after we carry out inspection. / I see.
That's easy.
We'll carry out the inspection now.
Do as I say, okay?
Yes.
Go.
How is it? Did you get the money?
I failed on the inspection.
I can't borrow from any other place too.
So what, you can't pay me?
Hey, Kobone. Have you forgotten your position?
You can get sacked once I say a word, y'know.
Hurry give me 300,000!
Don't underestimate me!
Is this okay, Haibara-san?
You did a good job. He just
strangled his own neck now.
Yes.
Hello. / Is Toshie-san here?
She went to work.
I lent money to your mother.
She kept saying she'll return it but she hasn't.
What!? / Not just me.
She's borrowing money from other people too for pachinko.
Don't be angry.
The part time work's pay isn't enough for me.
So, I'm thinking to earn more from pachinko.
So you lied to me.
What are you thinking?
Help me.
Please pay my debt.
Please, Noriko.
Thank you for calling.
Regular customers will get
10% increase of cashback service.
If you buy 180,000 yen of our products,
you'll get 144,000 yen cashback.
The one week promise with Yoko-san is getting near.
Hello.
Where's your father?
He's not here. Sleeping at home.
Is he alright?
Yoko-san, any luck with the money?
Then, you have to sell the land.
Fine, you can have it.
Did something happen?
I mean, you promised your mother about that land...
Don't worry about us anymore.
Magonote-san's land is straight ahead.
I see. What a nice place.
It has no complicated rights matters,
so I'll be grateful if you can sell it immediately.
Leave it to me. It'll be sold in no time.
What's this?
The road is closed. What does this mean, Haibara-san?
This sign wasn't here before.
Is there any other way?
Just the animal trail.
If we can't go through here, then we can't get in to the land.
The land is inaccessible.
No one would buy it.
What do you want to talk about?
I have to work at night too, now. We have to pay our employees.
Can I take your order? / Coffee, please.
Very well.
If you don't have anything to talk about, I'll leave.
Ah, wait... about the land...
Do you know about the sign on the road?
The road is closed.
So, you know.
Haibara-san.
There are kind people in this world.
According to the contract before Teikoku Finance took over,
the owner of the road was Mr. Ushino.
But the owner is changed to Mr. Washino recently.
Washino-san.
Who are you? / I'm sorry to disturb you.
My name is Haibara from Teikoku Finance.
What's a loan shark here for?
About the road to Magonote-san's land...
Can you please remove the sign?
I refuse.
Please, do something about it.
Please, help. / That road
was given to me by Ushino-san.
I refuse no matter how many times you ask me.
This is the agreement that Magonote-san and Ushino-san signed.
Magonote-san is given the right
to use the road as he like.
Even the ownership is changed to Washino-san,
the agreement is still valid.
What you do is a violation of access easement.
He's a country old man. He'll give in, once I bluff with a bit difficult legal term.
This was an agreement between them.
There is no third party in this.
We don't know how valid it is.
Dammit. He know the agreement's weakness.
How? / Please, take your leave.
I don't mind if you bring this to court.
Who taught him about this?
He's just a kid from Teikoku Finance.
I'm going home.
See you. / See you tomorrow.
Aren't you going home, Haibara-san?
Magonote Engineering's land, huh. Can you sell it?
Someone is in the way.
It's weird that Washino suddenly own the road now.
And he understand the law too much.
Someone is definitely backing him up.
Why don't you drink a beer,
forget about it and start again tomorrow?
Okay, Haibara-san?
I wonder what Yoko-san is thinking?
Yoko-san? / Magonote's daughter.
I see.
She has to pay 9 million soon.
I have to sell the land before they go bankrupt.
I'll stay for a little bit more.
Okay, I'm going home, then.
Amemiya-san.
You know about legal stuff very well, right?
No one can beat me in legal matters.
Cause I bear grudge against someone.
Kobone! What are you trying to do!?
You sued me for blackmailing you!?
Yes... yes!
I'm the victim here!
You're the perpetrator, why are you suing me!?
You better apologize now while you still can.
Withdraw your accusation!
Apparently your arm injury wasn't that bad at all.
Who are you?
I work for a law firm.
You hired a lawyer, huh.
He wrote a pledge that he will pay compensation for the incident.
It's not blackmail.
A pledge written under threat is not valid.
It's written "I will compensate all damages."
The range of compensation is not clear.
Even yakuza nowadays can write a more proper pledge.
Fine, then do you have
any proof that I threatened him?
Hey, Kobone. Have you forgotten your position?
Once I say a word...
When?
Hurry get me 300,000. Don't underestimate me!
And this invoice...
You mean he has to pay compensation for the tropical fish you never had?
What are you talking about?
I pet the fish.
Then do you know the rearing temperature for Asian arowana?
Well...
We checked the water and electricity your house used.
You can't lie anymore.
Kobone-san.
You better turn in the bill of indictment for blackmail and scam attempt within today.
The police will contact you very soon.
Hang on!
I made them write a reconciliation agreement.
They severed ties of lending and borrowing now.
Thank you.
You have to treat me beer, Haibara-san.
Thank you so much. I feel relieved now.
Kobone-san. / Yes? Anything else?
You still have to return the 500,000 you borrowed from me.
Ah, right, right.
I did borrow money from you.
I was just helping you today, so you won't gain more debt, but...
I can't trust you anymore now.
You have to return the whole amount tomorrow.
Wait a minute... that's impossible.
But... Haibara-san, you said I can pay anytime.
Kobone-san... too bad...
If the payment due date is not settled on the IOU,
then the creditor can demand you to pay all at once, anytime.
What...
550,000 including the interest and service charge.
Tomorrow.
Why don't you just lend more money to that idiot?
Why did you let him pay you all at once? What a waste.
Do we really have to lend people money and then destroy their lives?
Is that all what our job is about?
I always think of it.
Well, they always say I'm too mild.
Too mild, huh. You think so too?
Ants will come to you cause you're too sweet.
So, you're an idiot too.
I guess so.
Rikako-san, I think you suit the loan shark profession.
You have guts and you know a lot about legal matters.
Loan shark?
You'll be good at debt-collecting.
I absolutely hate it.
The 9 million due date for Magonote Engineering is today.
We couldn't sell the land because the access is closed.
Magonote-han! What does this mean!?
What's going on? / Don't tell me...
You have lost our trust now!
That's true!
You should have informed us before it becomes like this!
Answer us! / Speak!
Haibara-san.
So you let your company go bankrupt.
No, no... we're not bankrupt.
What are you saying? You have no employee nor any furnishings left.
It's as if you're gonna skip out of town very soon.
No, he's not. Magonote-han is splitting up his company.
What?
Wait a minute. What do you mean, split up?
That's right.
My daughter left me due to my incompetence...
Yoko-san?
She brought my employees with her and established a new company.
What? / Haibara-san, I don't get it...
They did business transfer.
The assets and business rights are transferred to his daughter, Yoko-san's company,
and left all the debts in this company.
So you used such a lethal move to escape your debts, huh, Magonote!?
You're trying to cheat us.
You're gonna go bankrupt by tomorrow, aren't you?
What should we do?
In any case, we have to make him pay.
Right.
If you don't pay your debt, I'll be in trouble.
Wait, everyone, wait!
The contents of this company has been transferred to his daughter's company.
There's no use attacking him.
We better go to his daughter's company, instead.
That's right!
Don't rush. / Get outta the way!
Don't rush. / Alright, then. Let's go.
Okay.
Yoko did a good job.
Excuse me.
Our car's battery died.
The engine won't start.
Can you please help?
The car is not in it's good condition lately. / That's bad.
Even if it's a business transfer, establishing a new company
needs working capital. Where did she get the fund?
Dotsubo Finance?
Ah, it worked!
What were you doing!?
Boss, thank you, thank you. It's on now.
It's the new company that Yoko-san established.
It's Teikoku this time, huh.
You were all being so noisy, I can't work.
Yoko-san?
Business transfer. What a smart move.
We have no relations whatsoever with Magonote Engineering!
We're not related at all. This is a totally different company.
Stop putting a show already. Like father, like daughter, huh.
Father and daughter? You mean Magonote and me?
No, we're not father and daughter. / That's bullshit.
Who'd believe that? / I have separated from his family register,
we have severed our ties. We are strangers now.
Total strangers.
How cruel...
Haibara-san.
You can't get money from Dad now?
You can't get anything from someone penniless, anyway.
Poverty makes you strong.
We have lost a way to collect 9 million.
We might be a weak ally,
but it's a big mistake to make us enemy.
I'll make sure she'll pay her debt.
How can we collect the money from them?
Look. We just have to find proof
that the daughter's company is still Magonote's company.
I see.
Their business transfer was just formality.
If we get the proof, it means they've caused damage to the creditors and what they did will be considered as fraud.
They can't sue us for anything.
I understand.
We just have to find proof that the father and daughter are living together.
Take pictures when they come in or out.
Okay. / I'll leave it to you two.
Kuwata-san? You're going home?
It's so cold. I'm in weak condition. I'm feeling so cold.
That's true. It's so cold.
I'll leave it to you. It's cold.
Hey...
I feel cold, too.
You're a newbie! / That's not fair.
Fine... we have to get along. Let's do the paper-rock-scissors game.
I won! I won!
You guys act like kids!
It's Dotsubo Finance.
Good evening.
What. Teikoku Finance, huh.
What business do you have here?
What are you doing here yourself?
Don't tell me, you're funding Yoko's company?
Why do I have to talk about our business with a competitor?
We are aftering Magonote.
If that's really the case, then we have to fight against you.
You guys better leave now.
You think you can win fighting us?
You're right. You're absolutely right.
Let's go back home. Come on.
An errand boy, huh.
You guys are all finished.
Do we have to stay quiet being told off like that?
Dotsubo Finance must be funding the daughter's company because he can gain profit from it.
That's why he gave her loan.
What kind of profit?
That's what we have to find.
Just because he's a competitor, we better not hold back.
We'll outwit Dotsubo.
If you didn't help us...
Thank you very much.
We will properly support you.
So, we really don't have to sell that land?
We promise.
We're keeping your land's certificate as your collateral.
It's just formality.
Here are the land certificate and the seal. / Thank you.
Please sign the agreement.
This is also just formality.
Yoko-san. I'm funding for your company's future.
Here's 6 million. Please use it as the company's working capital.
The monthly interest is 3% for 10 installments. It's 780,000 for every installment.
Alright? / Yes, thank you.
She's trying to escape debt, and yet she's making another debt
by establishing a new company. / She doesn't learn, does she?
Small companies only worries about fundraising, they're all the same.
Debt is like drugs for them.
They know it's a bad thing but they keep reaching for it.
Before they know it, they're depended on it.
Reaching for it is easy, but severing ties with it is difficult.
That's how we get to drink expensive wine.
We'll gain a lot by funding Magonote.
Welcome.
Thank you.
You want beer?
Yes.
You met Dotsubo Finance, huh.
You asked for loan?
That's right. They're keeping the land certificate.
You gave them the certificate?
Dotsubo-san said I don't have to
sell the land. / Why did you give it to him?
That's just a verbal promise.
Is it written in the agreement that they won't sell the land?
I didn't read it properly. / How about the interest?
It's 3% every month for 10 installments. 780,000 for every installment.
That's an interest trick!
Yoko-chan.
Don't be loud.
Look. 3% is just for the first installment.
The loan amount is decreasing but the interest is not.
At the last installment, you'll be paying 30% interest.
I don't know about that...
You won't be able to return the money! What are you doing?
Open your eyes. / But Dotsubo didn't abandon me.
I didn't abandon you too, y'know!
Sir, don't be loud or leave.
The due date for the Kobone couple is today.
Please. Wait a little bit more.
Ma'am, can't you make money with the credit card's cashing way I told you?
What?
I have used it up to the limit, 300,000 yen.
For what?
My mother had to pay debt for playing pachinko.
I didn't know that. You hide it from me?
I'm sorry. / Just how much
is our debt now?
So they have come crying to us.
We have to do it now.
We better clean up the mess as soon as possible.
Watch. I'll knock them down.
Ma'am. You are your husband's guarantor.
You understand, right? / Yes.
Kobone-han. / Yes.
You may leave. / What?
You can go back to work.
You're the guarantor, you better not run away.
Yes. / However,
if you get to pay your debt even if it's tough for you,
you'll get to live together with your child happily ever after, then.
You better consider that.
I'll do anything, but I'm not even working now.
Well, you can get one million
really soon, actually.
One million?
Then you can pay the 500,000 and your 300,000 debt
and also your husband's debt in other places.
Please tell me how.
I'll tell you straight away. It's AV-related job.
AV is adult video, no?
Right. / I can't.
I'm married and it's just impossible.
Ma'am, don't think too much.
You don't have to be naked and there won't be any filming with men.
You just have to wear bikini and pose for the camera.
Haibara-kun, what's it called?
Image video, is it?
You know a lot about this, huh.
You like it too.
Is it really just bikini?
Don't worry. We won't force you.
If you don't want to, you may leave.
We can't force you to do it.
We'll be accused for human trafficking.
Ma'am, please think about it yourself.
Can you please not tell my husband about this?
Here I am. Doronuma the director.
Doronuma-san!?
Haibara-san!?
Long ago, he got caught in credit card hell, did con trick, made debts, started weird jobs and failed.
It's him. Doronuma Kamenosuke.
How long has it been, Haibara-san?
You're a director now? / That's right, I'm a director.
I'm an artist. I'm expressive.
I suit this job!
I see. / That's right.
Here she is.
Wow, what a beautiful lady.
She has good style.
Let's go for attractive mature lady stuff.
It's definitely gonna be a big hit!
Okay.
Your advance pay is 300,000 yen.
I can pay my debt now...
You give your husband this money yourself.
What?
We can't accept it directly from you.
We will get the money back from the person who borrowed it. It's our policy.
Where did you get it?
I begged my friend to help me.
Who's your friend? / A childhood friend.
Someone you don't know. / Is this true, Noriko?
You're lying, right? Tell me the truth.
Never mind. Just return the money we borrowed.
Okay, let me write a receipt.
Ah, Ma'am. Haibara-kun called you.
Noriko-san. Please change your clothes with this.
We will take one film today and another four later.
What? It's not just today?
You'll be paid 200,000 yen for one and a total one million for five.
That's different from what they told me.
Be it 1 or 5, it's all the same!
Okay, here's the actor, Shido-chan. Yay!
Let's work together. / I heard it's image video.
I have many images in my head already.
Then, I have to do it with a man...?
You're not a virgin.
You may cheat for work, y'know.
Right, Shido-chan? / Yes, yes.
What does this mean? Haibara-san.
Haibara-san!
I have done what I could, for you and your husband.
I can't help you any further.
Welcome.
You scared me. / Welcome.
Kobone-san, what's the matter?
Where's Haibara-san?
Please don't do this.
Your husband today...
Kobone-san...
Why are you here? / Where's my wife?
The camera is rolling, be quiet.
Kobone-san, let's talk outside.
Noriko.
What are you doing?
What are you trying to do?
What are you filming!?
Come here!
Cut, cut!
The film has become a documentary!
We're going home. Hurry up. We're going home now!
Wait, wait, Haibara-san. / Kobone-san, wait a minute.
You want money so much to the extent you're selling someone else's wife!?
Don't kid me, you loan shark!
You know what... You're not human.
You're a demon!
What the hell?
Did you ever make an effort to return the 500,000 you borrowed?
You can't solve anything by yourself.
You have no rights to blame Haibara-san or me!
I'm working hard in place of you.
I'm different than you.
I can clean up my own mess.
Now, calm Mitsuo down.
Or else, we can't start filming.
While she's feeling emotional now...
Ready? Action.
I heard Kobone-san quit his work.
He will return the whole amount with his retire money and his wife's pay.
We can get the whole amount within this month, then.
Yes.
You know what. In Japan,
we can do anything as long as the police doesn't find out.
The news said that, right?
Thank you.
Our job is like cutting and burning plants in forests to create fields.
We burn down the mountain and harvest.
Once we run out of harvests, we'll move to another mountain,
and burn it. We do that over and over.
You're looking for your own path, right?
Yes.
If you're ready to go through a loan shark's path,
I don't suggest you to kindly turn up
the soil with plows.
You can't survive this with kindliness.
You're telling me to be cruel?
I'm telling you to throw away your superficial face.
We lend money.
We don't need a face.
We can leave that to the businessmen.
We are destined to be blamed, hated, and cursed, okay?
I'm going out for a bit.
Oh, Haibara.
This is Shiraishi-san from Akamatsu Finance in Tokyo.
I'm new in this business. Nice to meet you.
Hello.
This way.
Sorry about yesterday.
Yoko-san.
I like this place. My late mother too.
When my father just started the company, we had financial difficulties.
So we ordered two bowls of ramen and shared it with the three of us.
I eat a lot,
so my mother didn't even touch the chopsticks.
She let us eat first,
though my mother must be feeling hungry too.
Why...
...aren't things going well?
Everything.
I have to go now.
Leave it.
Thanks.
I knew you're not a bad person since the first time I met you.
I was sure it'll be fine with you.
If only you lend me money that time.
I can't go back now.
I will not let that land be sold.
You finally treat me beer.
The work I did for you, should cost for about 10 glasses of beer.
Thank you.
Why are you here? / It's been a long time since I eat meat.
Haibara-san, thank you for your treat.
What's wrong?
Magonote Engineering troubled me.
I heard from Kuwata-san.
Our competitor is Dotsubo Finance?
I don't know what to do.
The land is really important for Yoko-san.
I wonder why Dotsubo is backing her up
to the extent that they fight against us.
Yoko-san have completely trust them.
You keep talking about her.
The meat is burned.
Ah, sorry. I ate ramen already.
What?
With Yoko-san?
Too bad. It's the first time you asked me out for a meal.
Right. Ah, you know what...
you're Amemiya-san's type, y'know.
Ouch.
Haibara-san, what do you think of Amemiya-san?
Ow!
I think their target is not the company,
but the land, no? / Yeah.
But we're taking first mortgage on the land.
Even if the ownership is transferred to Yoko-san or they take second mortgage,
we're still the first owner.
I see...
They shouldn't be able to gain money from it.
Maybe they found a way to fight us?
What way?
Dotsubo...
Please, let me drink too.
You're pretty compared to the other women in this place. Sit down.
Come sit here.
Excuse me.
She's not from here.
Huh? Then, who are you?
My name is Amemiya from Teikoku Finance.
Teikoku Finance?
Please, tell me. / About what?
That...
Magonote's land.
You know we're taking the first mortgage, right?
Why are you still interfering us?
Land is different than women.
You can't snatch away something that's not yours even for a handsome man like you.
What do you mean, first mortgage?
You know, right? We are the first owner of the land.
No one can take it away from us.
You mean, like this?
If he took first mortgage on Akemi, and I took second mortgage on her,
you mean I can't touch Akemi?
That's right.
I'm not sure.
But I can still touch her, y'know.
We have a way to snatch it away from Teikoku Finance.
Tell me.
Right.
I can't just tell you for free.
What should I do, then?
Well...
Anything.
Change your clothes to school uniform.
So you have that kind of hobby. / I want to see
you in the school uniform again.
You remember me?
Return the money you borrowed.
We'll sell your daughter.
I remember.
You were cute.
You split up my family.
You work for a loan office to find me?
Yeah.
I'll never forgive you.
My Mom and Dad were...
You should burn in hell.
Hey! Wait a minute!
Wait. Watch out!
Let go. Let go!
Loan sharks are always hated.
What a horrible woman. You forgot this.
Bye.
Amemiya-san.
What's wrong?
I never thought such a thing happened to Amemiya-san before.
Yes, and it was Dotsubo.
That's why she learned about the law.
I heard she worked in a club before she came here.
She's quite a sexy woman, after all.
What are you saying?
What kind of tone is that?
Ah, I see. Rikako-chan must have shown some hospitality for you, huh?
Hos-pi-tal-ity.
That's an old joke.
Then how about "No way, no, no?"
Good morning.
Hello. Express mail.
Sign, please.
Okay. / Here.
Thanks. / Dotsubo Finance?
Haibara-san.
The certification of contents will arrive there today, right?
Teikoku will be crying by now.
Overpaid?
Overpaid, you said?
Amemiya-san, calculate for me. / Yes.
Deduct the interest amount paid that exceeded the 2010 Interest Restriction Law
from the balance amount that Magonote Engineering borrowed.
They can take mortgage on Magonote's land,
if Magonote have debt to pay them.
The debt amount was said to be 9 million.
But they borrowed the money with a ridiculously high 29% annual interest back then,
if we calculate it now with the revised law, which is 15% interest...
If we deduct it with the overpaid amount,
and since they have paid half of the debt already, so their debt is cleared already.
Right... we're not lending him 9 million.
We're not lending them even a single yen.
No way.
Their debt doesn't exist anymore.
So, they automatically lost the mortgage right.
I knew it.
Dotsubo Finance took second mortgage on the land.
If we lose our mortgage,
then they'll be the first owner.
They can monopolize the rights to the land.
Overpaid... I didn't realize that.
It's our loss.
No, wait.
If Dotsubo thought it out this far,
that means Magonote's land worth even more
than we expected.
The land might have a great rise in price related to some project.
Really.
And, Haibara...
This means Yoko doesn't have to return anything to us.
I'll inform her right away. She'll be relieved.
Don't tell her. / Why?
If we stay quiet about it, she'll pay us 9 million.
We have to fool her?
Hello, it's Haibara.
Hey, Magonote bounced a check.
Open up!
You were going to destroy us since the beginning!
I know you're inside!
We'll force our way through!
One, two!
Who are you!? / What are you doing!?
We are Dotsubo Finance, in charge of this place's management.
What? A loan shark is going to monopolize this place?
Magonote skipped out of town, you won't get a single yen.
Skipped!? / You can't do anything.
Where's Magonote? / I don't know.
Do you know where his daughter is? / Don't ask him.
She's gone?
I don't know.
Teikoku, please come to our office tomorrow.
We'll settle things down.
Tomorrow. 10 o'clock in the morning.
Okay?
Where's Yoko-san? / Where's Magonote?
We can't contact them since morning.
Haibara.
Dotsubo captured Magonote, I'm sure.
Yoko. We have to find his daughter, Yoko.
But... where?
Use your instinct.
Use your animal instinct.
Your Nagashima instinct.
Well...
What are you doing? My neck hurts.
My neck is breaking!
Your attention, please!
We'll buy your credits
for 20% of their values.
Boss, I can't reach the daughter.
Hurry find her.
Teikoku might be making their moves now. / Yes, Sir.
I knew she'd be here.
The power of love.
We were looking for you.
What do you want?
We need to talk to you.
You're lucky.
You don't know what Dotsubo Finance would do to you.
Don't pick up, it might be Dotsubo.
But...
You were fooled.
They fooled you and they're going to seize your land.
The land that reminds you of your mother.
No...
I don't like bad-mouthing a competitor,
but the way they do things is really terrible.
Right, Haibara-kun?
When they lend money,
and you can't return it, they'll sell you to a brothel.
For an old man who work in a factory, as security for loan,
they made him do forced labor in the middle of a blizzard in the North Pole.
Horrible.
How can he say something he doesn't know?
Should I tell you a horrible thing they just did recently?
There was this happy married couple. Their child is still a baby.
They lent money to the man and made his wife as guarantor.
When the man couldn't return the money,
they made his wife star an adult video.
They're really the worst of the worst, they're demons.
That's what you did.
She's the woman I talked about.
He bought the video!
They're all bastards.
They don't have any dignity as a loan shark.
I don't believe it.
You may not believe what I say.
Do you want to see it yourself?
Haibara-kun.
I feel sorry for you.
You have to work like this to pay your husband's debt.
Next scene, please. Noriko-san.
Haibara-san.
How do you know him? / Ah, no, no...
They're doing such a terrible thing,
so we tried to rescue their clients a few times.
Okay Noriko-san, come on.
Look at her.
This is what Dotsubo will do to you.
They will make you do this in the end.
That guy is her husband.
Dotsubo might do the same thing
to your father.
Dad...
It'll be tough for an old man like him.
So... You still don't believe me?
She's Amemiya.
Dotsubo had once gave you trouble, right?
You're Yoko-san? / Yes.
What a pretty lady, Haibara-san.
What did Dotsubo do to you?
My parents were running a convinience store.
When I was in high school, my father quit his office job.
The capital fund we borrowed from the bank is not enough to open the store.
We borrowed 5 million from Dotsubo,
but we couldn't return it.
They chased after my parents,
and I don't even know where they are now.
They made me work in a night club when I was 17.
Why do you think the convinience store business didn't go well?
A part time worker ran away with our money.
It was the person whom Dotsubo hired for us.
We were trapped.
It must be tough for you, Amemiya-kun.
It's not any different than what we do here, though.
You don't have to say anything about that.
You were fooled by Dotsubo, y'know.
They're cold-blooded demons. This place is still better...
You can trust the people here.
So you borrowed 6 million from Dotsubo.
Yes.
Can you return the money by tomorrow? / By tomorrow?
You better sever ties with them as soon as possible.
They'll suck you to the bone before you know it.
I can't get the money that soon...
I have used half of the 6 million to establish the company and pay the employees' salary.
Lend her 3 million?
What do you mean?
Yoko-san need 3 million
to sever ties with Dotsubo.
Then, she should sell the land.
If she sell it, both Teikoku and Dotsubo will get money.
That's good.
I'd like to solve this case without selling the land.
What are you talking about?
I promised I won't sell the land.
I'll make sure she'll return the money no matter how many years it takes.
Haibara. / Yes.
That's a tiresome way of getting the money back.
Is our job to destroy people's lives?
What?
The father and daughter will lose everything if they sell the land.
If there's another way for them to return the money...
You're acting so big! Apologize to our boss now!
You may do it your way.
Boss, you shouldn't spoil him!
But I won't lend her money.
You can protect Yoko's land yourself.
But you have to sign.
You'll be Yoko's joint guarantor.
Joint guarantor?
Of course.
We'll leave a proof that you don't want to sell the land based on your decision.
If anything happens, you'll be responsible for it.
If she can't return the 9 million,
then you have to return it yourself no matter how long it takes.
I understand.
So? Did you get to borrow the money?
No. / I guess so.
But, Yoko-san.
You don't have to sell the land.
Seriously?
What's that?
But I have to be your joint guarantor for that.
So, you're Yoko-san's guarantor now.
What are you doing!?
Haibara-san, you did that far... / Well, well...
I'm fine. / No...
But, how are you going to get 3 million by tomorrow?
Then you have to go with bouncing check.
Right. How about making Yoko-san's good friends
issue bouncing checks and get money from it?
We have no choice. You have to ask companies you know to issue bouncing checks,
and get it discounted at a bank. You can get cash that way.
We can get cash that way?
Ask anyone you can. We have no time. Come on.
Yes.
If only...
Haibara-san was there for me and my parents that time...
Bouncing check?
Please, help me.
Please.
It's dangerous to issue bouncing check nowadays.
Leave. / We know that.
Please, help her. / Who are you?
Please. / Please.
Please.
I beg you!
That's impossible, I can't do that.
I'm sorry.
I apologize for my rudeness, but...
please help Yoko-san.
Sorry, I can't help you this time.
I know another place.
Haibara-san?
Morning.
Tell me.
What kind of strategy are Haibara and Kuwata planning?
Hello.
We've been waiting.
Hello.
Such a good weather today.
It's January, yet it's warm. I wonder why?
Maybe spring and winter were fighting each other and the spring won...
Hey, old man. Sit here.
How scary.
Let the land go, Teikoku-san.
Espresso?
Right, I'm here to talk about that.
If we bring the overpaid matter to the court, you won't have any chance to win.
The first mortgage has vanished and we're taking second mortgage.
You accepted that, right?
Oh, well. We lost.
Write a pledge.
Write "Teikoku Finance will not interfere any matters related to that land."
A pledge?
You're not going to settle the matter in court?
You want to sell the land as soon as possible?
So you've found a buyer...?
Hurry write it! / Alright.
I admitted that we lost.
But before that, can you please
tell me why do you want that land so much?
Well, since it's over now...
That land is involved with the development project of the government's energy policy.
That's all I can say.
Kuwata-san. / What?
She will return the whole amount she borrowed to you.
What?
She has the money ready.
You're paying back the whole amount?
Is there any trouble that you're giving back your money this early?
I see. Check the amount. / Yes.
You did well.
It's correct.
Here's the receipt. Take it.
Not just the receipt, you know.
Give her back the land certificate.
She has paid you back the whole amount.
You will have to remove your second mortgage rights off the land.
That's not possible.
The 6 million loan is another different matter than the land.
This is for the checks her father bounced.
We bought the credits from the creditors yesterday.
In other words,
this money liquidated her father's bounced checks.
She still has 6 million debt that she has to pay us.
What? Wait a minute.
What are you talking about? She just returned
the 6 million she borrowed from you.
Why does she has to pay Magonote Engineering's bounced checks too!?
I have nothing to do with my father's bounced checks.
You guys are absurd.
Do you understand the law!?
You better watch out what you say!
And who are you guys? You have nothing to do with this girl!
A bunch of idiots.
True, how annoying.
We're related to her.
This is the agreement we signed the first time we met her.
It's written here "I entrusted all debts and assets to you."
We are the legit representative of Yoko-san.
Give us the land certificate.
Agreement, huh.
Agreement...
An agreement is legitimate. / Yes, that's right.
Then, let me show you ours.
Here's our loan agreement with her.
You signed it, right?
Yes.
Read it carefully.
Besides your own debt,
you are the joint guarantor of Magonote Engineering's debt too.
Haibara.
Yes, it's written here.
But I signed just because you told me so.
I didn't know what was written inside...
Haibara-san, they fooled me.
You made it sound so scandalous.
It was your fault that you didn't carefully read the agreement.
And there's another important clause.
When the creditor have completely lost trust then
the creditor will have the debtor return the money all at once.
It's written there, right, Haibara-san?
We can't trust a client who blamed us.
I want you to return the 6 million you borrowed.
Right here right now.
Even the judge in the supreme court will side me.
You gathered the money you just gave me in a hurry, right?
You don't have anything anymore, no?
If you can't pay, then I will seize your land.
Sit down.
Write a pledge.
We have no choice.
The land is ours now.
I will return the money to you!
You weren't the one who borrow our money. Shut up.
I did.
I'm Yoko-san's joint guarantor.
Right, Yoko-san?
So I will return it to you.
Fine, give it to me, then.
Pay right here right now.
Do you have 6 million?
Hurry give it to me.
If you can pay the money, then pay now!
You can only give lip service.
Hello, everyone.
Boss.
Who are you?
Sorry, I'm late.
The bank just opened and it was busy.
It was tough. Haibara-kun.
I have drew your savings.
The little money you had.
Here's 6 million.
Sir.
I'm returning it to you.
Don't you hear?
I said I'm returning it to you.
You're not gonna accept it now?
Amemiya-san, take pictures.
Dotsubo-san, too bad.
You can't reject when someone is returning the money to you.
I will make this picture as a proof and submit it to the regional legal affairs bureau.
Yoko-san's debt will be cleared, then.
Boss.
Even the judge in the supreme court will side us now.
Give her the land certificate back.
You moron!
Why would you go this far for someone else?
I have never met a loan shark like you.
Kurozumi.
You really came at a good time.
If Haibara couldn't get the money, it was all over.
Even if he can,
we don't know what they were gonna say.
Now, the land is back to us.
Boss, why did you have the money ready?
It's a loan shark's spirit.
I can't stay quiet and see Dotsubo make fun of us.
And we're gonna make money from that land, right, Kuwata?
Yes, I was right.
Haibara, listen.
I'm lending the money to you.
You have to get the 6 million back from Yoko starting today.
That and all the 9 million we lent them.
Yoko still doesn't know about the overpaid money.
If we get the money altogether, we'll gain a lot.
Kuwata-san.
It's her fault that she doesn't know.
6 million plus 9 million, a total of 15 million. You better keep her close, Haibara.
Don't forget. We're loan sharks.
Thank you.
I'm glad I trusted you.
Actually, Yoko-san...
...about your 9 million debt that you have to pay us...
Due to an overpaid interest, your debt is cleared.
You just have to return the 6 million now.
I hope you can build a house here someday.
I want to see it too. Snow falling on the sea.
I can't let you pamper me any further.
Please sell this land.
I'm returning you the money I borrowed.
No, but...
My mother is gone.
Yoko told me.
We shouldn't be immersed in memories too long.
We will make a fresh start in life.
Money is monster. It shines in the beginning,
but it changes as soon as we touch it.
It's a monster who swallow people.
Money must be watching the person who use them.
You're right.
I have finally understand how frightening money can be.
We'll take advantage of that fright from now on.
We'll gain money and get this land back someday.
Haibara-san, next time we meet...
You better not let me fool you.
I'll be careful.
Goodbye.
Let's go home.
Hello.
Mizumashi Real Estate bounced a check.
We gotta go there now.
We'll gain a lot from them!
Alright. I'll be right there.
I'm going now.
Have a nice day.
subtitles by shii405
Is our job to destroy people's lives?
What?
Wherever it comes from, money is money, after all.