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lubdubsworld · 3 years

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The Devil’s Own.

Jungkook x OC

Mafia Au!

Warnings : Non-Con ! Manipulation, Degradation, Shitty hero with no redeeming Qualities you have been warned. ( i mean he does get better but not much.)

Summary : Just Mob Boss Jungkook doing mob boss things.

Chapter 1

“ Sign it. ”

I glared at him, feeling sick at the tone. The entitlement.

“No.” I said sharply and I could feel his anger swelling, morphing into something dangerous and deadly but I couldn’t care anymore. I was tired. Exhausted. This cat and mouse game had gone on , long enough. It wasn’t an even playing field, in any sense of the qword.

If today was the day I died, so be it. I would accept it. I would even welcome it.

I was done.

He had everything : an empire at his beck and call , enough money to pave the streets of Seoul in gold and an army of loyal associates behind him. His face was plastered on Billboards across the country , the President posted pictures of him on his fucking SNS and delegates from other countries had to wait weeks , just to get an appointment with the youngest billionaire South Korea had ever seen.

And yet none of those white collared dignitaries saw this side of him. The dirty, violent ruthless man who had more blood on his hands than anyone else in the country. My father’s. My brothers’.

Jeon Jungkook was both the most revered business man in the country and the undisputed king of Seoul’s criminal underbelly.

“You defiance only makes me want to break you in other ways Elena.” He said warningly and I felt my throat go dry. I stared at him, wondering how someone could look so expensively gorgeous and yet, like a hardened criminal.

The expensive silk shirt, the fitted slacks and the handmade shoes ought to clash with the dark ink that covered his entire arm and neck, the piercing on his eyebrow and the glint of metal on his tongue but it didn’t.

It just all came together to make him the most attractive man in existence.

I took a deep breath. Perhaps begging was the way to go?

“ You have my father’s company. You have my brother’s Hospital and you have the family mansion. It’s all yours. This bakery belongs to my mother. It’s all I have left of her. My sister in law is pregnant , due any day. She needs a place to stay and I don’t… I don’t have money to rent anywhere else.” I said desperately, thinking of the paltry wage I earned waiting tables. I could barely afford food for myself let alone for Jisoo and the baby on the way.

The bakery was abandoned but it had a roof. The furniture was crumbling but I could fix that. If I didn’t have to worry about rent, I could save up enough to make it livable. At least till I got a better job.

“I’ve offered you solutions for all of that.” He reminded me softly, eyes trained unblinkingly on me and I stared at him.

“I’m not going to be your whore.” I felt my voice shake.

He grimaced.

“You aren’t qualified to be my whore. And I don’t need one either. Whores are not my thing. I have a beautiful fiancée, don’t you remember? ” He grinned. I felt my heart ache because that fiancée was once my best friend. The only person I had trusted with my entire life. Lisa had betrayed my trust, had spied on my father’s operations and brought him down and I had the horrible, horrible inkling that she had also had something to do with my father and brother’s untimely death in a car crash.

But I couldn’t think about that. Every time I thought about her my heart broke and head spun, and I had to be at my maximum mental capacity if I was going to deal with her heartless fiancée.

“ If you ask me, you’re not fit for anything more than a back alley blowjob for a couple bucks. But Hoseok thinks you have potential. Join his agency, there are a lot of very wealthy men who have a bone to pick with your father. He made a shit ton of enemies. Most of them would love to fuck the defiance out of you. ”

His words felt like worms crawling all over my skin and I could feel the nausea churn inside me.

“I’m not signing the bakery over. You can call the creditors. I still have another year and half to pay the one remaining loan and they won’t come for me till then.” I felt my head begin to throb and Jungkook sighed.

“Suit yourself.” He stood up and I stayed still, watching his tall frame tower over me with ease. He gave me a small bitter smile. It was fraught with hatred and I stared back at him, knowing the emotion was probably mirrored in my gaze.

“Beautiful Elena. As pretty as the day you left me at the altar.” He smirked and I flushed.

“Your vengeance is petty and pointless and unfair…just like you.” I said angrily, frustration building u at his words. The way he talked about our broken engagement like it even mattered. It hadn’t even been real. We had hardly spoken and my father had called the wedding off at the last moment. But apparently, that had been the last straw for the Jeons. They had come after my father’s entire existence with a single minded intent to destroy him and they had succeeded. The man was dead . His two sons were dead.

But apparently it wasn’t enough.

Jungkook stared at me, slipping his hands into his pockets.

“Maybe. But it’s also deadly and potent. And it won’t rest until I see you reduced to nothing but a whore on the streets, spreading your legs for every man who can afford you.” He laughed. “ Saying no is a luxury , one that you’ll soon be unable to afford.”

I refused to be cowed, refused to give him the satisfaction of knowing that his words scared me. Because they did.

They scared me so damn much.

~~~~~~~~~~~~~~~~~~~~~~

“This bed is so lumpy… I’m so sorry, unnie..” I said apologetically but Jisoo shook her head quickly, palms cupping my face as I held her elbows, gently lowering her to the bed. I stared at her feet, feeling my heart race at how swollen they looked. That can’t be normal, a voice whispered and

I didn’t know if that was normal and I had no money to take her to a clinic. The social center we usually went to only allowed three visits per month and we had used it all up. I wanted to throw caution to the wind and spend the thirty thousand won it would take but that would mean no groceries for a week and surely bread and eggs wouldn’t stretch that long, even if I could sneak meals in the restaurant for myself.

“I’ve been feeling a little dizzy…I’ll just sleep.” She said tiredly. She was thirty six weeks along, not due for another four weeks but her blood pressure was erratic. Her lab numbers were oscillating and there had been talks of an emergency c section. Even with insurance it was way more than I could afford but I had my own jewelry, a few expensive trinkets from my teenage years. I’d been obsessed with diamonds and my father had indulged me and I had a pair of earrings left. I’d already sold the rest but this would take care of the medical bills for the birth itself.

“My shift starts in ten minutes. I have to go. Give me a call if you need anything…” I said softly and I saw the familiar blank and listless look come into her eyes. I knew she was depressed, dealing with grief and pregnancy and loss but there was nothing I could do for her. Nothing. I had applied for a bunch of other jobs but they never wrote back. It wasn’t easy, being rejected over and over again but it wasn’t like there was much else I could do. And the truth was I was resigned to this, accepted that at some point I would have to take more loans and be stuck in an endless cycle of debt for the rest of my life.

And I had made peace with that.

There was no future for me. And I was okay with just surviving.

If only Jungkook would let me.

Apparently, watching me wipe down greasy tables and mop up floors and toilets trying to earn just enough to get a few square meals didn’t soothe his anger. It only fueled it. Jungkook couldn’t fathom that it had been six whole months of me on the streets of Seoul and I wasn’t completely destitute yet. I’d kept myself and my sister in law alive, safe and it pissed him off.

He wanted to see me broken and on my knees, begging him for help. The idea of me somehow surviving despite him taking everything away from me, it just didn’t sit well with him.

I couldn’t afford to have him as an enemy so all I could really hope was that one day he would wake up and give up. One day he would just wake up and decide that I wasn’t worth it.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

When I walked into my shift and noticed a familiar pair of high heeled Louboutins , completely out of place in my seedy place of employment, I knew I was in trouble. Lisa sat against one of the booths and her gaze was fixated on the door which meant she was waiting for someone. And when her eyes narrowed at the sight of me, I just knew I was the someone.

She wants to get me fired.

It wasn’t rocket science and I felt the urge to turn right back around and leave. But I tamped down on it. I could get through this. I would get through this. Lisa and Jungkook got off on invoking reactions and I wouldn’t give them that.

Except it wasn’t that easy.

It was a nightmare, watching her demand and reject and walk all over me but the sleeplessness from the past few days made spacing out easier and I just stared away at the wall as she yelled and complained and made a scene.

“You’ve stopped fighting? Finally giving up? Good…” She hissed when the manager apologized to her and told me to meet him after my shift and I felt myself tremble in indignation.

“I won’t fight you or Jungkook, you and I both know I can’t afford to.” I said quietly and she went still, something flashing in her eyes for a second. It was gone before I could fully process it but it had been there. Guilt.

Lisa wasn’t a terrible human. She had been a dear friend. We had grown up together and she had even hugged and teased me when I’d been betrothed to Jungkook, all those years ago. I had been twenty back then, naïve and spoiled. While Jungkook had taken my father’s entire legacy apart, piece by piece, Lisa had been nothing more than a pawn. I remembered all the times I had let her home, how she would disappear for lengths of time.

Planting bugs all over the house. All over his office. Jungkook had been smart. Someone like Lisa, so fascinated by thr wealth she had grown up around would naturally jump at the idea of more. It wasn’t greed. It was human nature. And with her help he had destroyed everything my father had built over decades.

I shuddered. My father hadn’t been a good man. He had been greedy, yes. But he hadn’t deserved to die. And Jungkook would have to pay for that sin, someday.

“There’s a job waiting for you in Hoseok’s club.” She smiled cruelly , “ you don’t need this one.”

“The fact that you want to take it away from me, tells me that maybe there’s nothing left in you save.” I said blankly and she turned her nose up at me.

“I have Jungkook. I don’t need to be saved.”

I shook my head. She was so naïve. Men like Jungkook cared for nothing but themselves. But I wondered if women like her didn’t care for anything but the money that came with being his. Money was precious, I thought bitterly. I’d never realized how privileged I had been until I’d had it all ripped away.

“He’s the one you need saving from. And one day you’ll realize that.” I shrugged, not in the mood to offer her anymore life advice. If she was alright with being a trophy wife in exchange for a few pretty shoes that was her prerogative.

Before she could reply, my phone rang.

“Hello?” I asked nervously and I felt my heart drop to my knees when I heard who it was.

I turned on my heel rushing inside and my manager gave me a look of surprise.

“ My sister..she’s… she’s sick. I need to go.” I said desperately and his eyes narrowed. It was the worst timing. He was already annoyed because of Lisa and I stared in disbelief as he quickly shook his head.

“No. I’m sorry Elena…I just can’t let you leave like that…” He said sharply.

It was so unfair.

“I haven’t taken a single day off in five months…” I said desperately..” Please, she’s pregnant..She needs me, she-“

“If you leave, you won’t have a job to come back to. I can’t do this.. First you make trouble with a customer and now you just want to walk out in the middle of your shift without any notice…”

“Fine. Fire me.” I snapped, because I’d just had enough of it. I was exhausted, and tomorrow I’d go knocking on some other tore and I’d get a job. I lived in Seoul …How hard could it be? For now, I had to get to Jisoo. I had to get the hospital and things would be okay.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

It wasn’t okay.

“I… You want to keep her in? So soon?”

“Her blood pressure is through the roof. There are signs of severe pre eclampsia and we want to get her started on a magnesium drip. Steroids to help the baby’s lungs incase we need to deliver…”

“Deliver..?” I couldn’t breathe.

“Yes, I’m sorry…. If her blood pressure doesn’t come down we’re going to have to deliver.”

I nodded, glancing at the bed where Jisoo was sleeping, her face swollen and I knew that she was sick. Really sick. She looked pallid and ill.

“Is she going to be okay?” I asked hoarsely.

“We’re going to do what we can… But I’m going to be honest, we’re looking at a c section, a lot of meds and also some time in the NICU for the baby…. Can you afford it? Your sister’s insurance only covers 80% .”

I blinked, completely thrown. White noise rushed through my ears, a dull throb settling right at the base of my skull and beginning to spread all the way to my arms and back. It was panic mixed wth anxiety mixed with despair and I couldn’t quite cope. The earrings wouldn’t cover all that.

“Oh… Oh..yeah.” I said dully, “ Of course I can… Let me just…. Can I have a moment? There’s somethings I need to do.”

~~~~~~~~~~~~~~~~~~

I carefully slipped the cash into the envelope, swallowing as I sat on the pavement. I’d got another call from the hospital, they had administered the steroids but Jisoo’s condition seemed to be worsening. They wanted to try inducing labour soon but they wanted me to pay for the room and for the medicines, and apparently, the earrings weren’t as valuable as I thought they were.

I fought nausea wrapping arms around myself as I stared at the cars whizzing by, the putrid city air clogging my lungs as I tried to come to terms with what was happening. Jisoo needed help. She was the only one left and she carried my brother’s son. I felt my throat clog when I thought of Daehwan. He had been a good guy. I had loved him. It wasn’t fair, what Jungkook had done to my family, I thought miserably .

And the only reason I wasn’t driven by vengeance or anger was because I was nothing like Jungkook. I hated him. I didn’t want him to live in my head, didn’t want to waste any part of myself on him , not even my anger. But it was hard when he wouldn’t let me breathe, always at my heels like a wolf : jaws snapping and blood thirsty eyes trained on me at all times. I couldn’t fathom his obsession sometimes. Surely, his hatred was uncalled for now? He’d taken everything from me anyway.

There was a dull roaring in my ears, one that said that this was not really a surprise. I’d thought about it way too often, had considered it countless times. Had even spent one absolutely horrifying evening scouring the streets of Seoul’s red light district just to see how sex workers behaved.

I’d also realized that in the face of desperation, dignity didn’t hold much value.

You are going to pay your debts on your back and on your knees.

The first time Jungkook had thrown it at my face, eyes glinting with glee, my stomach had rebelled so hard. I’d been absolutely infuriated, had thrown a vase at him. And it had been awful, watching him catch it out of the air with ease, his mocking laughter making my bones rattle as he shook his head, “ That’s how this ends, Elena. Mark my words.”

And it was pitiful , that he went through life so consumed with hatred and vindictive cruelty that he couldn’t leave me alone . He was pathetic. That’s how I saw him. A pathetic child who refused to stop tormenting the helpless ant on the floor although it was no match for his cruelty.

At some point Jungkook was going to win. And his idea of winning was seeing me stripped bare of the one thing that kept me alive : my freedom.

It had just happened sooner than I’d thought.

Because I knew what it would mean, to go to Hoseok. He would own me. Hoseok’s whores were all slaves, tangled in his web so badly that there was no hope of escape. He wasn’t cruel but he was smart. No one left the his ‘ agency’ once they went in. I would be lost, forever. And I couldn’t stomach it.

I stared at my knees, fists clenched on the fabric of my skirt. I grabbed my phone, scrolling through the contacts. I considered it carefully. I had to do this on my terms. Had to make sure I retained some sort of control here.

And I knew just how to do it.

Hoseok picked up on the third ring.

“Hello.”

“I need help.” I croaked out.

The deep chuckle made my skin crawl.

“Elena Gong. What a wonderful, wonderful surprise. What can I do you for?” He drawled.

“Well sweetheart, I’m all out of charity so you’re going to have to make it worth my while.”

I took a deep breath.

“I’m a virgin.” I whispered.

The line went completely silent.

“What?” The amusement in his voice died.

“You heard me and I’ll let you cash in on it. I’ll let you auction it off…” I tamped down on the burning protest in my lung, the screaming inside my head that said it was horrifying, that I was considering this. “ But only if you keep my terms.”

“What makes you think you have a say in that.” He said sharply and I laughed.

“I belong to your world, Hoseok. Did you forget that we were friends, once.” I whispered and he didn’t reply.

Laughter, kindness, a big brother I could always count on, hobi oppa, nine year old me with my fingers curled around his wrist as we ran all around the gardens , a smile so wide that he could spread sunshine on the gloomiest days. Different from Jungkook and Namjoon and Yoongi and the others. Willing to include a ‘ girl’ in his playtime. Lisa and I the only girls, not even fazed watching as the rest of them wielded toy guns and mock interrogation scenes, pretending to kill and maim and torture because that was the world we were born into.

“We’re not friends, Elena. Let’s get that straight. The only part of you that holds any value to me is th part between your legs. So tell me, what do you want.”

“When was the last time you auctioned off someone’s virginity? You know how much money you can make off something like that. Not just from the sale itself but from the entire night. Your club… Your gaming hell…. All of it.”

“You expect me to believe you’re a virgin. At twenty seven.” He scoffed.

“Put the word out, everywhere. If you find one man who says he’s slept with me , I’ll back off.”

“That would require me to tarnish your family name. And you’re alright with that?”

I smiled biotterly.

“Isn’t that what you and your precious Jungkookie want? To see the last living Gong, be labeled as a whore and a slut.”

He didn’t reply.

“I’ll give you that. You can do it… You know that will only interest more people. As Jungkook so eloquently put it, most of them would love to fuck the defiance out of me.”

“What’s the catch. What do you want. ”

“2 billion won.” I said firmly “It will be one night. One night only and I want enough money to pay off every one of my father’s debts, to get me an apartment for my sister in law and to support her and her baby for a year at least.”

“Done.” He said without missing a beat and I went still. What must it be like, to throw around money like that without a care in the world. And it sickened me that Jungkook was probably ten times as rich as Hoseok , the money my father owed him and his associates not even pocket change in comparison to his gargantuan wealth and yet, he stayed on my heels, snapping his jaws like a dog with a bone.

“And Jungkook doesn’t get to watch.” I said softly, knowing exactly what Jungkook would get off on.

That made Hoseok laugh.

“You know him too well. I keep forgetting he was madly in love with you once.”

I resisted the urge to vomit. Jungkook didn’t know love. He knew ownership. He didn’t love me, he thought he owned me. That I was his to play with…. For the rest of his life. And when my father had denied him that, just like a toddler in a toy store being denied a shiny toy to break and trample on, he had thrown a temper tantrum.

Except his tantrums always ended in death and destruction.

“That’s the deal. He doesn’t turn up there to gloat.”

“He’s heading out to Switzerland for a week , two days from now.” Hoseok said evenly.

“Good then. My sister in law…she “ I swallowed. “ She’s in a hospital in Yongsan. I’ll send you the address.”

“I’ll take care of it. But I want you here tonight. I’m not going to drop a couple billion won on your head without making sure I’m getting my money’s worth. And I can’t have you changing your mind and bolting either. My reputation is on the line here. If I put out the word that I’m serving something so fucking delicious and then back out, they’re not going to want to buy Hobi’s wares anymore. You understand what I’m saying darling?” Hoseok drawled and I knew exactly what he was saying. If I agreed to this, it was blanket consent for him to whatever he wanted.

“I won’t back out. I can’t. But this is one night. One night with whichever bastard you choose and that’s it. I want out. I don’t want you or Jungkook hounding me again. Ever.” My voice shook as I dug my fingers into my knees.

“My men will be there in ten minutes. Sit tight, princess.”

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

I stared at Hoseok as he carefully poured me a finger of whiskey, neat. He gave me a smirk and I shrugged.

“you remember.” I said casually, throat itching because it had been way too long since I’d had quality alcohol. I missed the burn, the warmth , the numbness that followed.

“Of course I do. You could drink all of us under the table with little effort. It was spectacular.” He laughed and I leaned back against the couch, letting my head fall back.

“I was half certain that you would have a doctor around to make sure I’m a virgin.” I stared at him and he shrugged. “ Pointless. You’re twenty seven, you’ve probably had stuff up there anyway… Not like your hymen’s still going to be intact.”

I thought it was rather horrifying, that I didn’t feel nearly as mortified as I should. This was how Hoseok talked, matter of fact and open and that was why he was so popular. Anytime an important person came into the country, Hobi was the one who offered entertainment for the night. Hobi’s girls were always the prettiest, most well behaved and perfect. They were educated, knew what they were talking about and he didn’t force them into the life. They loved it, enjoyed it and it showed.

Not to say he was a saint.

Far from it.

Hoseok knew how to dine with kings in castles but also how to wrestle with swine in the gutter. The seedy brothels in Seoul’s back alleys were his as well, and he ruled his kingdom with an iron hand. The prostitutes there feared him, one look or word enough to silence any rebellion, any thought of escape.

He was called Hope. And yet somehow that was exactly what he denied the women under him. There was no hope here. There was only lust and power and money. You came to Hobi…. You never left .

I took the glass he offered, taking a small sip, savoring the taste.

“But you believe me. I wonder why.” I watched him closely and he scoffed.

“Between your father and Jungkook, no one ever really had the pluck to come anywhere near you did they?”

Undisputable.

I sighed, leaning back to stare at him.

“Do you think dying hurts?” I asked softly.

It was frightening, how his entire body went stiff, eyes wide and jaw dropping.

“Elena, what the fuck-“

“Its just a question. You’ve killed people. You’ve watched them die… how do you think they feel?” I asked , curious.

“None of them wanted to die. If that’s what you’re asking.” The look in his eyes made me nervous.

I stared at him and the question was obvious. None of them wanted to die, but do you?

I didn’t.

“I’m not thinking of killing myself , oppa. Stop looking so horrified.” I laughed. He shook his head.

“ Don’t joke about that. It’s not fucking funny.”

I sobered up, remembering with a jolt. Ah, of course.

“I’m sorry. I forgot.” I said quietly.

Hoseok’s little sister had killed herself when I was seventeen. She was a year older than me and her father had lost her in a wager to a seventy year old man, known for torturing his bedmates. She had heard the news, taken a deep breath and taken a deep dive off the seventeeth floor of the condo where she lived with her mother.

I’d been engaged to Jungkook by then. And I had almost wanted it. Jungkook wasn’t old at least… twenty one to my seventeen.

“Just so you know, he’s going to find out. And he’s not going to like it.”

I shrugged. Three years is a long time to be preyed upon and now my mind was resigned to a life of being hunted. Hoseok was right. Jungkook would find out and he wouldn’t like it.

Good.

“I don’t care what he does anymore. All I care is that Jisoo and the baby are left out of whatever plans he has…. If you promise me you’ll keep them safe , I’ll cooperate.”

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

It was a baby boy.

I stared, fingers itching to hold the baby but it was impossible, the little one whisked away to the NICU right after with respiratory distress and Jisoo had gone into a seizure, eyes rolling back into her eyes.

She as alright now, resting in a VIP room with the best care money could buy. Hoseok had asked me if I was happy with the arrangements, and if I would name the boy after him.

I stared at the room, large and breezy and filled with flowers and gifts, toys and baby stuff and I knew right then that I had sealed my fate. I was going to have to go through with this. I could imagine how much Jisoo would protest when she came to her senses. The only relief was that it would take her a few days to be good enough to fight or protest. But then this would all be over and done with.

Jungkook would leave this afternoon. His flight was at three.

I would reach the club at five. The patrons would arrive at seven.

One night, I reminded myself , staring at the gentle rise and fall of Jisoo’s chest as she slept, my fingers playing with the soft skin on her wrist. The IV line went through her veins and I watched the gentle drip of it.

One night.

~~~~~~~~~~~~~~~~~~~~~~~~

I didn’t know how auctions happened and while I’d been prepared for the worst kind of humiliation, Hoseok assured me that he wasn’t going to make me stand naked on some podium or something.

“Generally, I would do something like that simply for the flair of it but consider this a favor ….a respite because you were, as you said, once a friend.” He gave me an even smile and I could only nod in mute relief.

I was grateful. Beyond grateful.

And what was more, he hadn’t told anyone, who I was.

That stunned me. Because wasn’t that the selling point? The murderous, greedy mob rat Gong Hyo Suk’s only daughter forced to spread her legs for one lucky stranger? If Hoseok had cashed in on that he would have made a fortune. But he hadn’t. I wasn’t sure if that was a good thing or a bad thing. Would , whoever it was be upset if he recognized me?

I was led to a bedroom, large and tastefully decorated with silky satin sheets and dark curtains and dim lighting that lit up parts of the room and left other parts plunged in darkness. Hoseok had told me to wear whatever I wanted and I realized with a pang that he really didn’t see this as some sort of transaction. He was trying to make it as easy as possible without making any decisions for me. Offering me choices and options and some illusion of being in control.

I didn’t have anything fancy so it was just a dress shirt that I borrowed from Hoseok. I’d left the underwear off, eager to merely get the whole thing over with. I felt a sudden overwhelming urge to laugh out loud.

If Jungkook were here he really would have lost his damn mind, simply because of how little this whole thing affected me. And that was it, really. He was always desperate for a reaction.

Earlier when this whole thing had started, I’d obliged him with that. I would scream, rant and yell….launch myself at him like a wildcat, scratching at him , fists flying and it was obscene, how much he seemed to enjoy that. He would press me up against walls and tables , fingers choking the breath out of my lung, just so he could see me struggle and push back.

He fed off from every negative reaction I offered him and it had taken me a long long time that the way to beat him was to become passive, unresponsive. I would go limp in his arms, stare at him blankly as he tried to manhandle me and that…that had pissed him off. Because that meant I wasn’t playing his game anymore.

If the prey wasn’t playing, the game wasn’t fun anymore. It was drab.

Boring.

And I knew that Jungkook kept raising the stakes, kept tightening the noose around my neck….just to bring that girl out again. The one that had wanted to put up a fight . The one that wanted to mouth off even with the muzzle of a gun pressed against her head. The one who would spit in his face in front of all his associates, even if it earned her a vicious strike of his hand across her face.

I shuddered. They weren’t memories I liked reliving.

Well, if that was who he wanted, I’d make sure he would never see her again.

The door opening made me jump and Hoseok came in , with a wide grin on his face.

“Baby…. Your guest for the night.” He said softly and I peered over his shoulders, my heart and mind grinding to a halt when I caught sight of what had to be the most breathtakingly beautiful man on the face of the planet.

I felt my heart begin to pound, fear taking over because this wasn’t okay. Not really. I was okay with old, creepy and disgusting , not able to get it up for more than ten minutes.

I wasn’t okay with someone who looked like they stepped right out of the latest issue of GQ.

Hoseok left quickly, closing the door behind him and the man stepped into the light, the brightness lighting up his perfect features even more. I felt my throat go dry, and fought the urge to get up and run. Growing up as the daughter of a mobster , I’d learned how to trust my instincts over appearances.

And right now, every single one of those instincts screamed at me that this man was absolutely dangerous.

“Well, you are beautiful. I’ll give you that. “ He said casually.

“Thank you.” I said stiltedly, watching as he tugged on his tie, pulling it off his neck deftly . Instead of tossing it aside , he wrapped it a bunch of times around his wrist over and over as he smiled at me.

“Don’t thank me yet. The only reason I like beautiful things is because of how easily they break.” He smiled. “ I haven’t been with a virgin in a while…. I miss the screams.”

And there it was the full blown panic that came with stark terror. I crawled back on the bed, staring as he moved closer and there was no mistaking the look on his face, the harsh grip of his hand on my ankle telling me that I was going to regret every one of the choices that led me here.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

“Hoseok wasn’t at the airport.” Jungkook observed casually, glancing at Yoongi as the latter finished cleaning his gun carefully, eyes fixed on his weapon with utmost concentration.

“He’s holding some sort of auction tonight. Some chick …” Yoongi said casually and Jungkook hummed. It was not the kind of thing he was interested in. Anonymous bids were often boring : actresses or female idols past their prime, desperate to make some money to survive. He had no interest in those but he was a little peeved that Hoseok hadn’t told him anything about it.

Hoseok was one of Jungkook’s most trusted friends. He was almost as powerfully rich as Jungkook and the only reason Jungkook reigned supreme was because Hoseok had no interest in challenging him for the throne. Hoseok was dangerous and cunning and loyal and Jungkook was grateful to have him on his side and he had hoped to see him before leaving. Just to ask him to keep an eye on Elena.

He grimaced, hating himself.

God, he couldn’t go two hours without thinking of her. It fucked with his head, the amount of space she took up inside him. Jungkook , for all his wealth and power, was driven solely by his need to prove himself. He wanted to be powerful and terrifying yes, but more than that , he wanted people to know.

He wanted people to look him in the eye and acknowledge him for what he was : the most dangerous man in the country. He liked seeing that fear, that worship, that admiration. He got off on it. He wanted it , craved it and for some reason he craved it more from her , than anyone else.

And instead of giving him what he wanted, instead of begging on her knees for mercy, instead of licking his shoes and begging for him to let her live….she ignored him. She looked at him with defiance and pride, her chin straight and her back unbending, her gaze locked right on him like she was his fucking equal….

And Jungkook, he’d taken a lot of insults. Taken more than his fair share of hits in life …..

But when she looked at him like that , like he was something stuck to the bottom of her shoe….

Fuck it drove him wild with fury.

It made him want to teach her a fucking lesson, to remind her that he owned her because he owned everything. To break her down, snuff out the flames of defiance that burned so bright in those ember eyes… Take her into his bed and brand her with his body. Till she was on the floor, on her knees covered in his spit and cum begging for mercy….

Because no one looked at Jeon Jungkook like that and lived to tell the tale..

“Seokjin’s here. Landed in Korea a couple of hours ago. ” Yoongi said casually and Jungkook smiled a bit at that. He loved his older brother, technically a step brother and growing up he had only saw him when he visited his mother in China. That meant a couple of months a year and now as adults, a bit more often because Seokjin loved Jungkook and liked to visit him often.

Seokjin was a celebrity trainer, working with actors and athletes and he did a good amount of modeling as well. He was rich, handsome and well liked and the only thing that gave away the Jeon blood in him was the fact that he was a sexual sadist.

The face of an angel with a devilish streak, he had a penchant for sadism and inflicting pain on his partners and while Jungkook didn’t particularly enjoy indulging him, he knew there were women who were into that and usually had them arranged for when Seokjin dropped by in Korea. His hyung’s visit seldom lasted more than a few weeks at a time and it was a pity that he would miss out one whole week of it .

But the issue in Switzerland was a little pressing and Jungkook had to be there in person to sort it out.

He leaned back against the seat, staring out of the window, sighing.

“An unsullied dove ….What the fuck is this shit..” Yoongi muttered and Jungkook turned, curious.

“What?”

“Hoseok’s been hyping up some new girl for the auction and Seokjin hyung’s bidding on her.”

Jungkook laughed at that.

“Jungkook…..” Yoongi’s voice is completely stunned, his eyes confused as he looks up at Jungkook.” Its Elena.”

Jungkook’s thought process came to a grinding halt.

There’s a sound between his ears, a dull rushing sound like the wind in a storm and he can’t quite comprehend what he just heard. Even Namjoon who had been buried in his laptop , looked up then, tugging an airpod out of his ear.

“Wait…did you say Elena?” His eyes were wide , lips parted in shock. Yoongi and Namjoon exchanged glances, no doubt bracing themselves for the explosion that was to follow.

Jungkook took a deep breath.

“Turn the fucking plane around.”

That jolted Namjoon out of his stunned stupor..

“Turn-? Jungkook what…. We’re on a fourteen hour flight-“ Namjoon began but the look on Jungkook’s face made him stop.

“DID I FUCKING STUTTER?”

Namjoon swore.

“Fucking hell… alright just calm the fuck down, Jesus…just put a fucking bullet in that girl’s head and spare us all the headache fuck…” He growled, unbuckling his seat belt and rushing to the cockpit and Yoongi groaned.

“ Let me guess you want me to get in touch with someone in Seoul and ask Hoseok to hold off on letting Seokjin near her…”

Jungkook glared at him.

“If you already know that why the fuck are you still here…” He growled and Yoongi gave him a look.

“Just tell her you’re in love with her and let us live, Jeon Jungkook.”

In love….. what the fuck….

He glared at Yoongi’s back, his asinine words making him madder. God he wanted to crush someone’s skull into dust with his bare hands.

And right now, in his head , that skull belonged to Jung fucking Hoseok.

~~~~~~~~~~~~~~~~~~~~~~~

“What just happened?” I asked, frantic staring at the door as Hoseok’s men casually led a fuming Seokjin away while the man himself stared at me, looking pale as parchment.

“ Jungkook found out.” He said shortly and I felt my heart drop although I was half relieved because there had been something insane in Kim Seokjin’s gaze when he’d reached for me , a cruel glint of hunger that told me he would have hurt me really badly if Hoseok hadn’t barged into the room , frantic and worried.

He had given Seokjin a wide smile and then, “ I’m so sorry. We were waiting on her blood results and turns out she has a…. well, certain occupational disease that is very infectious.”

Seokjin’s mouth had dropped open even wider than mine.

“I thought she was a fucking virgin.” He had snapped, and I flinched at how cold and furious he had sounded.

But apparently there was a reason this whole thing had happened.

“What do you mean Jungkook knows? What does that mean?” I asked frantically, fear taking over.

“ He’s heading back here… He wants to see you.”

I felt my entire body go ice cold as I shook my head…

“No…fucking no bring Seokjin back here , he can fuck me that was the fucking deal, Hobi, please don’t../…��

“Elena , I’m so fucking sorry.. Seokjin…he’s fucked in the head…. He likes hurting his whores, likes making them bleed and he would have fucking destroyed you…”

I gaped at him horrified.

“What?!” I hissed shaking my head in disbelief.

“He’s Jungkook’ stepbrother. I’ve arranged whores for him before, I knew he was a little crazy but I’d never seen him before and I didn’t know he was the Kim Seokjin…fuck he outbid everyone and fucker looks like a fucking angel, how the fuck was I supposed to know he’s unhinged? Thankfully, I messaged Yoongi and …. Fuck… Listen… I know I paid for your sister’s surgery but you’re going to have to pay me back….”

I felt my body convulse in rebellion.

“I can’t.. You know I fucking can’t…”

“I can’t make an enemy out of Jungkook…. I can’t.” Hoseok shook his head. “ You can get out of here now if you want but I’d advise you to stay. If you run it’s only going to make Jungkook angrier.”

“WHAT DID I FUCKING DO TO HIM?!!!” I screamed, feeling my composure crumble into smithereens. “WHAT THE FUCK DOES HE WANT FROM ME?!!”

Hoseok flinched, stepping back and holding his hands up.

“Whether I want to or not, I answer to Jungkook. I shouldn’t have done this in the first place , I’m sorry Elena.” He shook his head and stepped back like the coward that he was and I wanted to hurt him. To shake him and ask him to fucking remember who I was. That I had nothing to do with my father’s sins . That I had been a fucking marionette in his hands, had wanted nothing more than to be left alone.

I stared at him in disbelief.

“So much for being a friend…” I whispered.

His jaw tightened. But he didn’t look guilty. None of them ever did. It was like guilt didn’t exist in their world. They did what they wanted to whoever they wanted , whenever they wanted and they got away with it because that bastard’s word was law. What Jeon Jungkook wanted, he got.

“I’ll get your clothes sent in.”

I watched him leave, the door slamming shut behind him and sagged against the bed, staring at myself. What had just happened?

Was I born to endless misery and misfortune?

Couldn’t I catch a fucking break?

I’d agreed to sell myself hadn’t I? Would have even let Seokjin hurt me if that was what he wanted. Because it was one night. It was one night of this…whatever the hell this was and then freedom. That was the deal.

The door opened again and I stared as a young girl brought me a pile of my clothes neatly folded.

“Do you work here?” I said sharply.

She blinked before bowing her head.

“Yes, mistress.”

I scoffed.

“Don’t call me mistress , I’m here to get fucked, just like you. Tell me does Jungkook ever use the women here.” I demanded.

She looked trapped, glancing at the door, clearly wanting to run .

“Tell me.” I snapped and she flinched.

“I..uh..yes. Sometimes.” She said softly.

“Can you tell whoever fucks him next to kick him in the fucking balls?”

The girl bowed deeply and all but ran out and I sighed, feeling myself shaking. Jungkook was on the way here and I wanted to yell and scream and rave at him but I knew that was exactly what he wanted. I wanted to deny him the satisfaction …wanted to act all cool and composed in front of him but it was impossible…

Because I hadn’t realized just how tired I was of this whole thing, till right this moment, when the end had been in sight. I was supposed to get my two billion won pay off all the debt , give Jisoo the rest of the money and disappear. I was so tired, so tired of this life I’d gotten trapped into, slaving over for hours on end just to afford a couple of meals a day. No friends, no boyfriends, no hope of a future …..

The door banged open and I jumped, crawling back when I recognized the man who had just entered.

“Yoongi-“

“Jungkook wants to see you.” He ground out and I swallowed.

“I need to get dressed. Please just wait outside.” I said shakily.

And then the door opened further and a tall looming shadow stepped in familiar and vomit inducing.

Jungkook looked livid, piercing glinting through the dimply lit room and I stared at him. He was dressed in a tight black t shirt, he sleeves stretched thin over his biceps and the tattoos stark against his skin.

“Leave us.” He said softly and Yoongi moved away to the door leaving me alone with the devil himself. I cursed myself for not putting at least my panties on, I was naked underneath this shirt and although it was big it left nothing to the imagination.

Jungkook’s eyes raked over my form before resting on my face.

“You think you’re smart enough to outsmart me, Elena?” He whispered softly.

I swallowed.

“Send you brother back in. He can fuck me and I’ll pay you back.”

Jungkook hummed, stepping closer and grabbing my clothes from the bed, he grabbed the plain white bra and the pastel pink underwear and then to my complete and utter mortification he brought the clothing up to his face, breathing in .

“Fucking pervert!!!” I screamed, feeling the action like a physical touch and wanting to claw his eyes out and the smirk on his face told me that this was exactly what he wanted but I was too fucking gone to care.

“If you want me to be a whore, fine. I’ll be a whore. But on my terms…” I spat out and he shook his head, laughing.

“I don’t just want you to be a whore, Elena. I want everyone to know that you are one…” He dropped my clothes and moved closer, holding a hand out. “ Come here.”

I stared at the inked fingers, adorned with sterling silver rings and bracelets with the motifs of his gang. I shook my head.

“No. I’m not playing this game with you.” I turned my face away.

His hand shot out gripping my upper arm with enough strength to bruise and I screamed, agony shooting up my arm and shoulders as he dragged me off the bed and onto the floor. I landed hard, hips and elbows bruising from impact and I stared at him in disbelief.

“I’ve been to gentle with you. You’ve forgotten your fucking place.” He bent over and grabbed me by my hair, yanking me to my feet so hard that it felt like my scalp had been ripped away from my skull.

“Okay…okay…Okay Jungkook..just…!!” I said softly, flinching because my pain tolerance was almost zero and Jungkook’s grip was so hard that my eyes were beginning to water now. He let me go, grabbing my panties off the floor and tossing them at me.

“I’m going to count to five. Put those on and get out.”

He walked out of the door and I stumbled a little fumbling with the fabric before quickly, slipping my legs in and yanking it up to my waist. I made to put on something else but his voice came, loud and impatient.

“Get the fuck out here.”

I walked out of the door and he was standing there next to Hoseok. I couldn’t meet either of their gazes , hating how they had so much power over my life. I stared at the floor. It was tempting to yell at them and scream but that never led anywhere.

“ I’ve asked them to stop the payment on the Hospital bill. Seeing as Elena hasn’t kept her end of the bargain.”

I felt my breath hitch at that, willing down the tears as I glared at him.

“What do you want?” I snapped. “ Tell me who you want me to fuck…. I’ll do it. Let’s get this over with so you can go back to whatever sewer you fucking climbed out of. ….”

Hoseok’s breath caught like he couldn’t believe what I’d just said and the look in his eye was a warning but I was sick of this. Sick of them all.

Jungkook turned to Hoseok with a laugh.

“You see hyung? See why I can’t let her go? If I let her scot free, everyone’s going to think I’m a pushover….that any worthless bitch can talk to me any way she wants and get away with it….” He shook his head, staring at me with a glint in his eye. “ I’m not going to choose. They are. You think you can charm your way into Hoseok’s heart and get special treatment? You think you’re ready to be a whore, Elena? Let me show you how a real whore gets treated in Hoseok’s club.”

He gripped my wrist, yanking me behind him as he stalked off down the narrow corridor that opened up into the club. I let myself get dragged out into the club dismally aware of the fact that I was wearing nothing but Hoseok’s shirt. I could feel eyes on me but I kept mine on the back of Jungkook’s head as he dragged me all the way to the front. I knew what he was going to do and at this point I was just numb.

There was no point reasoning with the devil.

I glared at him as he pointed at the stage. “ Get up there.” He whispered harshly.

I stared back at him, not moving. I saw Jungkook’s jaw clench.

“Either you go up there by yourself, with your clothes on. Or I carry you up there, after stripping you naked. What’s it going to be? ”

I glared at him, pursing my lips before climbing up using the small stair in the side. I moved to the center, right in front of the stage lights, so the rest of the room would disappear. I had no wish to see any of the bastards in the room.

“I think all of you recognize this little beauty here, don’t you?” Jungkook’s voice was cheerful, friendly even and I bit my lips, fists clenched. “ Well, if you don’t let me tell you . This is Gong Hyo Suk’s daughter. Remember that bastard? He put a hit out on my father. Killed him and my mom on the night I was supposed to be marrying his fucking daughter. A daughter who later called off the wedding, because I was too poor now, to give her the life she deserved. ”

I felt the familiar ice cold guilt in my vein. I was seventeen, I wanted to scream. I was seventeen and all I did was say what my father asked me to say, do what my father asked me to do.

“ That was nine fucking years ago… and you know what I told myself…. I told myself, that a greedy little bitch like this, doesn’t deserve shit.” He laughed. “ If money’s what she values the most, then the only thing she deserves is to be treated like the whore she is.”

“Why don’t you guys tell me, how much money you’d be willing to spend, to fuck her? Come on, Hobi’s been treating you guys so well lets help him make some money tonight… be generous. ”

I could barely hear what they were calling out but when Jungkook climbed onto the stage next to me, I jumped. Moving back instinctively, I winced when brought a forearm around my throat nearly choking me as he dragged up against his body.

“90 million won….That’s a lot.” He grinned. “ Jihan hyung….. that was you right? You’re gonna pay 90 million won for her?”

I felt my heart race, it was a lot. More than enough for the Hospital Bills, would even leave extra to get a decent apartment somewhere... I grabbed his wrist as it pressed into my throat, trying to pull his hand off me but he just wrapped his free hand around my waist, wrapping his entire body around mine and chuckling into my hair.

Jungkook pressed his head against mine and I froze, hating the close contact.

“Okay…but since I’m feeling a bit left out here…Why don’t I pitch in… 500 Won.” Jungkook said loud and clear.

I froze. An eerie silence fell over the club, laughter stilling and the clink of glasses slowing down.

What.

I struggled to get away from his but his hold tightened.

“Anyone else?” He called out. “ Come on… Not even thousand? Surely you think this one here’s worth a thousand won? Aren’t you going to outbid me?”

No one responded of course they didn’t. Jungkook’s anger was palpable and no one was going to get on his wrong side …..

“Ahh… is that it then? Bid’s going to close for 500 won then…. Hear that baby?” He whispered against my ears and I swallowed. “ 90, million won to five hundred won in a few seconds… What does that tell you?”

“It tells me you’re a fucking psychopath in love with your own voice… Get off me.” I hissed.

“No. What it tells you is that only I get to decide how much that body of yours is worth, not you. . You don’t get to go sell your fucking body behind my back for two billion won and then pay off all your debts and ride off into the sunset, that is not how this works….”

I went limp in his arms fighting tears because he never played fair. Never.

“Hear that Hoseok-ah… I win her for the night for 500 won…fair and square…. Is that alright?” He called out into the darkness and I felt the first inkling of dread begin to seep in.

“No.. No… get off me.” I hissed and he laughed, dragging me off the stage with ease. I screamed, kicking out in disbelief.

Jungkook grinned at me, before grabbing both my arms and yanking them behind me, and I whimpered, unable to move as he easily pulled me along to the door that opened into the hallway. Behind us I heard Hoseok’s voice.

“Jungkook, don’t be impulsive. Think about whatever you’re going to do.”

I flinched at that, panic building.

“He’s not going to do anything. I’ll fucking kill him if he touches me , I-“

“Shut the fuck up, you little bitch.” He shook me hard till my teeth rattled and I sobbed out.

“Jungkook…” Hoseok warned but he merely snarled.

“I know what I’m doing hyung, just…. Don’t disturb us. And make sure everyone here knows that she’s open for business.” It was loud enough to carry through the club and I felt humiliation burn my throat, acrid like acid.

I froze in disbelief.

“Jungkook …” Hoseok’s voice held a tone of reproach.

�� And tell them that her body is amazing. Tell them she spent the night with me , the best fuck I’ve ever had , mouth made for cock.”

I stared straight ahead as he pulled me all the way to the room we had left earlier and I tripped when he shoved me inside, landing on my hands and knees . I quickly rolled back around to land on my ass, crawling back as he slammed the door shut and locked it from the inside.

He stared down at me, mouth grim.

“You do owe me a wedding night. I was so ready to fuck your tight cunt, nine years ago… I think I’ve waited long enough yeah.”

I stared at him in disbelief. I knew exactly what he wanted me to do, to yell and scream and protest and fight so he could get off and forcing me…. Fucking psychopath.

I took a deep breath and nodded.

“If you pay for my sister in laws bills, and give me an apartment sure. “ I shrugged. “You’re not any different from any of the bastards here. I don’t give a damn which one of you idiots wants to rut into me like the absolute animal that you are…. I don’t care…” I said softly.

“you don’t? Really? You want me to tell you what your brother said when one of my men put a gun into his mouth…. He begged for his life…said he had a kid on the way….” Jungkook laughed, shaking his head. “I told him it was better than what his father did…. My sister was six months pregnant when his lieutenant gunned her down on the streets.”

I shuddered, wrapping my arms around myself.

“Why are you telling me this…” I snapped.

“Because she didn’t deserve it did she, Elena? She didn’t fucking deserve to die like that , like a dog on the street when she had nothing to do with any of this…. She didn’t deserve it.” He growled, bending down and gripping my chin hard.

“Maybe she did deserve it.” I spat out. “ If I deserve to be here, maybe your sister deserved to die too. “

He snarled, hand flying to my hair and dragging me up off the floor in one sharp yank. I whimpered as he pushed me on the bed, before climbing on top of me. I felt like every bone in my body was about to snap in two, the weight of him unbearable on me.

“I won the bid tonight…. I won it fair and square… You signed the waiver didn’t you…that you agreed to the auction…I won and I’m going to fucking collect.” He growled, and I kicked out, trying to buck him off of my body.

“Get off me.” I hissed. “ I’m not letting you fuck me for 500 won.”

“How about for your Jisoo then?” He whispered and I went still.

“What?”

He chuckled, reaching down and I felt my pulse pound as he pulled his phone out, dialing quickly and turning on the speakers.

Yoongi’s voice made me go ice cold. Everyone knew what Yoongi did for Jungkook.

“Daehwan’s wife is in a hospital room in Yongsan. Hobi’s got the details. I think she’s served her purpose.”

“No!! JUNGKOOK NO!!” I screamed , thrashing so hard my head began to spin but he grunted pressing down into me harder.

“Are you serious? I’m not home yet… I can take care of it tonight.” Yoongi said, voice casual and I sobbed, shaking my head in sheer terror.

“Okay… I’ll behave.. I promise.. please just don’t…”

Jungkook hummed.

“Well, that was easy… Yoongi-yah… why don’t you stay on the phone yeah…. Going to get that wedding night I’m owed and if my baby doesn’t co operate you know what to do, yeah?”

I bit my lips, glaring into the sheets as he gripped my waist, pulling me up.

“Ass up like the bitch that you are, baby.” He whispered and I felt my entire body shudder in disgust. It was worse because I hadn’t done this before. Didn’t know what to expect. But I couldn’t let him know that. If Jungkook knew that I was a virgin, I could just imagine how much fun he’d have with that info.

Hands gripped my wrists, pinning them to the bed and I turned my face away when I felt the press of his lips on my cheeks. He gripped both my wrists with one hand, keeping them pinned over my head and I flinched when I felt his fingers pulling the fabric of my panties aside, just enough for the blunt head of his cock to press against my slit.

“Yoongi, you there?” Jungkook said softly and Yoongi grunted over the phone. I felt my face flame in embarrassment.

“You’re a sick bastard but I’m used to it. What’s up?” he said casually.

“Remember how we used to wonder just how tight Elena’s cunt was… back when we were in school.”

Fucking monster, I thought in disbelief. I hate him I hate him I hate him….

“Good times…” Yoongi chuckled lightly .

Jungkook pushed into me in one hard thrust and pain shot straight up my spine, my insides burning like he’d fucked me with a knife and not his body. I couldn’t stop the cry of agony that got torn of me, my eyes tearing up and tears spilling over onto my cheeks.

“Damn Jungkook, she okay?” Yoongi’s chuckle made me want to claw his face off, and just the urge to kill was growing inside me.

“Well, I can confirm that it is, in fact just as tight as we thought…” He grunted, thrusting into me at a pace that was inhumane, every push and drag of him rubbing my insides raw and I bit down on the sheets under me, afraid that I would do something absolutely humiliating, like beg him to stop.

“Good, you should let me take that tight ass for a ride someday then. With her permission of course…. I’m a gentleman after all. Big on consent.” He laughed and I swallowed the urge to tell him that I would puncture his balls with a switchblade if he came anywhere near me.

“Oh, she’s going to do whatever I ask her to….aren’t you baby…” He grunted, “ Turn around so I can see you.”

He pulled out of me, his weight lifting off my body as he moved away. I couldn’t move, limbs numb and insides throbbing in pain . His palm landed on my thigh, hard and the sharp sting of it made me jump.

“I said turn around, I want to see your face when I fuck you.” Jungkook growled. I stayed limp, breathing hard and he grunted impatient, fingers sinking into my hair , yanking me to my knees and the movement made my legs scream in protest.

“How’s she so quiet? You fucked the voice out of her, kook-ah?” Yoongi asked amused and Jungkook pulled me by the hair, dragging me to the center and pushing me down till my head landed on the pillow.

“Hyung you should see her right now, all fucked out …. Like she’s never had a dick in her before.” He shook his head, “ Fucking slut. Take that off and hold yourself open for me.”

I stared at him, uncomprehending and he grabbed both my hands, placing them on my knees.

“Grab your knees and pull your legs back… So I can fuck that tight cunt the way I want to.” He said slowly, like I was a dog he was trying to train and I stared at him , defiantly.

“ Go to hell.” I whispered.

Yoongi’s laughter came from somewhere to the right.

“Your dirty talk needs work, Kook ah… Tell her she’s a precious little kitten and she makes you feel really good…. Bitches love that shit…”

Jungkook hovered over me, grabbing the back of my thighs and spreading them wide enough to make me whimper in pain.

“Is that so babygirl? You want me to tell you that? That you make daddy’s cock feel good?” He cooed, nudging the tip against me again and I had never hated anyone so much in my life. I stared up at his face, and he smiled at me, a cheeky little grin that made his bunny teeth stand out and for a second he looked so deceptively angelic and the glimmer of his piercing caught my eye.

I couldn’t help but swallow, gaze trained on the glint of metal on his tongue.

“You like that?” He grinned suddenly, sticking his tongue out for me to see, I felt my eyes widen at how sinfully good he looked .” Hyung she likes my tongue piercing.”

“Show her how it feels on her clit.” Yoongi laughed and I could barely fully process what I heard before Jungkook was crawling down my body, arms, curling on my thighs and yanking me onto his tongue .

I felt the press of his tongue on my slit, licking right into me and the jolt of pleasure was so unexpected, the pleasure so unwanted and yet so overwhelming and I couldn’t stop the way my body thrashed against the streets, lips parted as I practically mewled out in pleasure.

“Definitely a kitten…” Yoongi called out and I shuddered as Jungkook slipped two fingers into me , the ice cold press of his ring inside me making me jump. I wanted to pull away, grab his hair and yank him off but I couldn’t because it was

“Next time I’ll put the dick piercing in too, yeah? Fuck you with a bit of metal on my cock so you can feel that up there…. ” He laughed into my thighs and I screamed when he bit into the flesh there , hard.

“I’m getting bored… Either turn on facetime so I can at least jerk off to this , or I’m hanging up…” Yoongi called out .

“Hyung she clenches down on me every time she hears your voice… Just stay on for a few more minutes yeah, she tastes so fucking good, I’m gonna cum soon….” Jungkook added another finger, slipping in deep before spreading them apart inside me. I whimpered when he pushed his tongue in between the wet digits, licking into my walls and I could feel the ball of his piercing drag against my walls, ice cold and hard.

Was it fucked up that I did clench down on him again, my body apparently a slave to my base desires even as my mind screamed that he was the absolute worst bastard on the face of the planet.

“Elena, you owe me a blowjob at least for this…” Yoongi called out and I glared at the phone.

“I’ll bite your fucking dick off if you come anywhere near me.” I snapped.

“Fuck, I could get off just to that mouthy fuckhole of hers…..” Yoongi grunted.

Jungkook pulled away, climbing back up over me and lightly slapping my breasts.

“Now, how about you open that mouth and let me fuck it?”

Yoongi snorted from behind us and Jungkook glared at the phone before glaring at me again.

“Well?”

“You want to know how hard I can bite?” I said sharply, the pleasure ebbing away into nothing and resentment taking it place, the momentarily physicality of the situation fading and the reminder of who he was and who I was entering my sex addled brain.

“No.. You’re right…. But you know what, I’m not feeling it anymore. I was right.. you really aren’t qualified to be my whore. Your body…it’s frigid like a fucking popsicle…such a fucking turn off. ” He reached over and hung up on the phone.

“Now…”he whispered, leaning in closer and I yelped, when his fingers closed over my throat..” Shut your mouth and take what I give you like a grateful bitch.”

I swallowed when he pushed into me again, his pace steady as he fucked into me, eyes closed and I realized that he was almost fully dressed having just unbuttoned himself enough to get his cock out.

When he stiffened, spilling into me his eyes blew open and he locked eyes with me, wide eyed and for one horrible second he looked young and vulnerable and hurt.

I blinked as he pulled out, the sticky warm mess of his cum dripping down my inner thighs and onto the sheets.

“Well, that was much worse than I thought it would be.” He said and I stayed on the bed as he grabbed his phone and buttoned himself back up.

He smirked at me and then reached into his pocket.

I quickly pulled myself together, ignoring the aches and pains and getting to my knees before reaching for my dress on the bed. it was kind of pointless because I still had Hoseok’s shirt on and I wasn’t going to take that off in front of Jungkook.

“Well, I’m a man of my word , Elena so…here you go..just as we discussed.” He tossed a coin on the bed and I stared at the engraved 500 on the shiny surface, feeling my rage swell inside me.

“If you still want to work out a payment plan for your sister’s bills …. Why don’t you come to my office tomorrow?” He tossed his card on the bed before moving away to the door.

Fucking bastard.

Author’s note : My whole life is filled with regrets .

#jungkook smut #bts smut #ts fics #jungkook fics #bts fanfic #jungkook mafia au #bts mafia au

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thecarbuying-agency · 3 years

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The Car Buying Agency | Top 10 Car Buying Mistakes

The Car Buying Agency — Lots of people buy a new car, and then regret their purchase soon thereafter. If you don’t take a lot of precautions, you will be a car buying victim instead of a smart buyer. So, here are the top ten mistakes that buyers make when shopping for a new car. These mistakes are not listed in order of importance…but don’t miss the message in every mistake.

1. Impulse buying | The Car Buying Agency

An impulse is an emotion. The worst reason to buy a car is emotion. Car sales people are taught that they must try everything they can to sell you a car during your first visit. Statistically, they know that if they don’t, they won’t get a second chance. If you pull into a dealer lot to just “kick a few tires,” but you have not sworn to yourself that you will not buy on that visit, you’re doomed. Don’t say things like “I love this car” or “I’ve got to have this car.” Don’t get your emotions involved in this buying decision. If you’re talking too much, the car salesman will read that as buying signals. And salesmen are much better at clubbing you with your own buying signals than you are at resisting them.

Tons of people make impulse car purchases. You cannot do your research and wise shopping if you make an impulse buy.

2. Lack of research

Goes hand in hand with an impulse buy. You need to go online and research about cars, including:

a. safety

b. recalls

c. resale value

d. maintenance and repairs

e. range of car prices for the make and model you want

The Car Buying Agency | Research will give you the information you need to make an informed decision.

3. Unrealistic about your car needs

Many car shoppers grossly overestimate their needs. Instead of buying a car that reflects their actual driving experience, they buy a vehicle that feeds their future plans or perceived future needs. For instance, a buyer who plans to own a boat and trailer may buy an SUV or heavy pickup. But he does not own the boat YET. Overall, it’s best to buy a vehicle for your present needs, not your future desires.

4. Not calculating the true cost of a hybrid

Hybrid vehicles, like the Prius, are priced far above a regular gas or diesel. When you subtract the cost of the regular vehicle from the hybrid price, you’ll see the premium you pay for the hybrid. Now, will the fuel savings pay for themselves over the number of months you own the vehicle? Hardly ever! Most times you’ll pay more overall for a hybrid vehicle. Gas and diesel vehicles are becoming more and more efficient. Remember, over 50% of the vehicles in all of Europe have diesel engines, and it’s been that way for 50 years. Must be a reason, eh?

5. Not shopping for car insurance before the car purchase

Here’s a big no-no. How many times have you called your insurance agent and gotten a quote on the car you WANT to buy? If you’re upgrading from an average car to a different kind of car…like going from a Toyota Altima to a Corvette…the increase in insurance premiums could make the new car purchase unaffordable. Unfortunately, most people find this out AFTER they buy that shiny new car. But just going from an older car to a new car could drastically increase your insurance costs. What if your old car didn’t have collision coverage, but your new car will? That could mean hundreds of dollars in added premiums.

6. Talking trade-in during negotiations for the new car purchase

Don’t include trade-in for your old car in the new car deal. It’s too easy for the car dealer to structure your deal to look like you’re getting much more for your trade-in. Make your car deal apart from any trade-in consideration. Then, get the trade-in offer and deduct it from the total. Also give serious consideration to selling your old car yourself. You’ll get much more money for your old car.

7. Dealer financing | The Car Buying Agency

This is a mine field, and the dealers have set the mines in your path. The most dangerous place in a dealership is the Finance and Insurance (F&I) office. The F&I office accounts for a big percentage of the total profits of a dealership. You must be wary of every offer here…financing, warranty, insurances like life insurance that pays off your loan balance. I recommend that you decline everything offered from an F&I office except a low interest rate on a loan of no more than 36 months.

8. Not buying at the end of the month and end of the year.

At the end of the month…any month…the salesmen and dealership are trying to maximize their bonuses and incomes. You’ll get your best deals if you buy in the last couple days of the month. The same goes for end-of-year purchases. Dealerships are desperately trying to get rid of last year’s models, and finish the year strongly. So, when’s the absolute best time to buy a car? The last couple of days in December of any year. You can hardly lose if you’re a smart buyer.

9. Leasing a car

Do you know why you see so many auto ads on TV that feature low lease payments? Because the car companies and dealers make a TON of money on a lease…far more then when they just sell a car. The lease agreement you sign is written totally in favor of the lease company. You never own the car, you only rent it for a number of months. You are responsible for maintenance and insuring the car. Plus, your lease limits you to a certain maximum number of miles driven. If you exceed the limits, the mileage penalties are staggering. I’ve looked at leases every time I’ve bought a car since the early 80s, and I’ve never once found a scenario in which I could come out ahead with a lease.

10. New vs. Used. | The Car Buying Agency

Most people do not need a brand new car. When you buy a new car, you get hammered on depreciation in the first year. Sometimes the value of your car drops as much as 20% the moment you drive your new ride off the dealer lot. The car lots are jammed with excellent used cars. You can save a bunch of money by buying a used car. But you won’t know that for sure unless you do some research. Compare the TOTAL cost of a new car versus the used car, including finance costs, maintenance and insurance. Most times, the used car will win…even when dealers offer zero percent car loans.

#Shervin Kalimi Chadorchi #Car Buying Agency #The Car Buying Agency

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multimetaverse · 5 years

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HSM:TM:TS 1x01 Review

The Auditions was a great series premiere for High School Musical: The Musical: The Series and I’m very excited for all that’s to come. Let’s dig in!

Disney certainly got its money worth with this show. The gorgeous Utah scenery and actual on location filming really helps ground the series with a sense of realism. To that end, I really liked the little details, like the principal not wanting to spend anything on the musical, the kids social media use, and that the kids actually look like regular kids who live in regular houses and go to a regular high school

Such a talented cast! Olivia Rodrigo is a showstopper, what a wonderful rendition of Start of Something New that was and Joshua Bassett seems born to play Ricky. Sofia is an amazing dancer and I’m excited to see some of the productions they put on later in the season

Miss Jenn reminds me of April Rhodes from Glee and I mean that as a compliment. Her delivery of, ‘’that is so fresh’’ still makes me laugh. I love that she cast Ricky as Troy on a whim for maximum drama and of course she wants a Ms. Darbus song, she’s an agent of chaos and I’m here for it. I also liked her begging her mom for car loan payment money, you’re not really a millennial if you haven’t lived pay cheque to cheque at some point

Even though we’ve seen them in the trailer, Carlos’ first 15 minutes of both sequels and Broadway lines still made me chuckle

I like the glimpses we get of the kids home lives. Very refreshing to see Nini’s two moms and see that she has a mixed race family and with Andi Mack off of Disney Channel, tonight’s showing of HSMTMTS might be the last time any kind of lgbtq rep is seen on Disney Channel itself for quite a while. Her grandma looks too young to be in a nursing home but it was nice to see her helping Nini with her self-confidence. Poor Ricky with his parents marriage collapsing, that’s gonna be a tearjerker if and when his mom returns from Chicago to officially end things with his dad. Seems like Gina’s mom has high expectations of her which eventually lead to their scene we saw in the promo where Gina breaks down

We dove right into the love triangle at the heart of this season: Nicky vs NJ. As I was watching the first flashback scene between Nini and Ricky, I thought to myself that if they keep writing them scenes like this I just might become Nicky trash, I was trying to stay neutral but after Ricky’s audition I’m definitely team Ricky, that really was the #ultimatecomeback. Ricky singing ‘’I Think I Kind of You Know’’, the song Nini wrote for him was just too sweet; it warmed even my cold, black heart. And that shot of Ricky and EJ lighting Nini with their phones and forming a triangle? Poetic cinema

It really does seem like Nicky is the endgame ship with NJ just an obstacle in its path especially with Nini having been in love with Ricky just six weeks ago and only having met EJ four weeks ago. EJ is very supportive of Nini and I did like how sweet he is with her, that line about her being a cute chorus cow was great. I saw on Disney +’s twitter poll that the fandom is split about 66% team Ricky to 33% team EJ which is an interesting split but also reflects the writing tipping it’s hand, it does want us to like NJ but not at the expense of Nicky

One thing that I don’t like so far is the age gap between Olivia and Matt, she’s 16 and he’s 21 and they both look their age. I’m not saying that all teen roles need to be played by teens but that age gap is significant when they’re playing girlfriend and boyfriend and was an unforced error on the shows part. It reminds me of the problems GMW suffered by casting a much older Peyton Meyer to play Riley’s love interest. Matt Cornett’s age as well as EJ being the only senior of the main cast is another hint that he won’t be playing Nini’s love interest past this season

I do hope that however this love triangle ends that it’s done as cleanly as possible. Love triangles are rarely pulled off well because the show or movie or book will usually tip its hand fairly quickly as to which is the ‘real’ ship but they also usually end up damaging the characters involved. In this case Ricky is not just a rival for Nini’s affections but a would be homewrecker who’s set out to breakup Nini and EJ which if not handled carefully could make Ricky look like a bad guy

As an aside, Nini having a shirtless photo of EJ on her phone and her and Ricky hanging out alone in her bedroom in the flashback is spicy for Disney but does at least gesture more to the reality of teen life than the typical squeaky clean Disney fare

Carlos is the colour guard captain, that was in the original casting notice (back when Carlos was named Vikram) and Tim Federle mentioned in an interview that he based Carlos off of one of his best friends who was also a colour guard captain. I’ve been wondering for a couple of weeks now if Frankie Rodriguez was actually allowed to reveal that Carlos is gay because it hasn’t been talked about in interviews or mentioned in any reviews so far. His line about EJ not knowing who he is, seems like it could potentially be set up for an arc about Carlos trying to make himself known. He knew that Seb wanted to try out for Sharpay rather than Ryan so presumably he already knows him? We know that something is being teased between him and Seb but I won’t hold my breathe for getting very much from Disney, at least this season

Not much to say about the other characters so far. Kourtney is barely a step above the sassy black friend trope but I think some of it has to due with the fact that Tim Federle originally just wanted Kourtney to be a one off supportive friend for Nini but so liked the actress that he decided to make her a main. Ashlyn is supposed to have a powerful duet with Nini in the second ep so that is something to look forward to as is her relationship with her cousin EJ. Big Red is a nice supportive friend and that’s about it. Not much to Mr. Mazara either. It does seem like the dividing line between major and lesser main characters are those who have lead roles in the musical itself

I love that the mockumentary interviews happen even when they make absolutely no sense in universe

We get some full character names from the cast list: Seb Matthew- Smith, Ricky Bowen, EJ Caswell, Gina Porter, and Nini Salazar-Roberts

Looking Ahead:

I read in reviews that EJ teams up with Gina to take down Ricky while Gina tries to take down Nini. That’s a pretty easy path to villainize EJ and sink NJ eventually while then using EJ’s panic attacks and Gina’s story line with her mom to build them back up. I sincerely hope that they don’t even try to go for one sided Gina and EJ as Sofia is the youngest cast member

Sofia did say that Gina would make things complicated for the love triangle and in a promo clip she said she was ‘intrigued’ by Ricky so we’ll see what happens

Miss Jenn supposedly left New York in unclear circumstances so I wonder where they’ll go with that. My own theory is that she used to be an extra on Law and Order: SVU and was having a torrid affair with Dan Florek before being exposed

I’ll try to have these reviews up Friday evenings but that’s dependent on when I can watch the eps. Because the pilot aired on tv we’ll actually get ratings either Monday or Tuesday which will be the only time we’ll get publicly released data otherwise all we’ll get is what Disney wants us to know and that will often just be spin. I’m very excited for this season and for season two and I can’t wait to see what’s ahead. Until next week wildcats

#HSMTMTS #HSM #Ricky Bowen #Nini Salazar-Roberts #EJ Caswell #Nicky #NJ #Gina Porter #Sofia Wylie #HSMTMTS Reviews #Miss Jenn #Carlos #seb matthew-smith

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scottydd · 4 years

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**Article:**

Part 1 of 2

The bounce back plan offered a lifeline to struggling companies. But more than half the £43bn lent so far could be lost

Stephen Bogan, a prestige car dealer, could be forgiven for the confusion. While checking on a loan being used to buy a £41,000 Porsche from his showroom in Airdrie, Scotland, Mr Bogan was alarmed to discover that his company was listed as the buyer. The attempted fraud was barely more sophisticated than skimming his details from the internet and asking for a loan, he says, adding that “the bank still paid out the money”.

“It was the perfect crime because we would not have been aware until next year when the bank would have started asking us for interest on the loan,” says the car seller.

Mr Bogan was the target of fraudsters seeking to exploit weaknesses in the UK government's £43.5bn coronavirus Bounce Back Loans Scheme. Launched by chancellor Rishi Sunak in May, it was designed to provide cash quickly for struggling businesses, but its loose rules were immediately exposed with some estimates suggesting as much as £26bn will be lost to defaults and fraud.

The Financial Times has spoken to more than a dozen senior bankers, fraud experts and people involved in the creation and running of the programme. In the words of one, “the scheme was being abused and defrauded on an industrial scale”.

Several bankers point to a range of attacks from impersonation of legitimate businesses, such as Mr Bogan’s car showroom, to the use of willing “money mules” who take out loans only to then file for bankruptcy.

“In 10 years' time, people will still be looking for the money,” says David Clarke, chairman of the Fraud Advisory Panel and a former head of the City of London Police fraud squad. He adds that the political reckoning could be just as long-lasting, “when the inquiries start into what happened with this scheme”.

Even greater losses are set to come from the billions lent to companies with little chance, or ability, to repay, after a devastating year that is set to cause widespread business failures in 2021 and beyond.

“The period from April to June was essentially a giant bonfire of taxpayers' money,” says one senior banker, “with banks just handing out matches”.

The UK’s bounce back scheme was hailed as the saviour of small businesses fighting to stay afloat amid national lockdowns. Under attack from MPs and companies running out of cash, Treasury officials agreed to guarantee all money lent by the banks. As a result bankers were more comfortable with waiving credit checks to speed up the process, relying on basic “know your customer” and fraud checks.

Mr Sunak told MPs: “There will be no forward-looking tests of business viability; no complex eligibility criteria; just a simple, quick, standard form for businesses to fill in.”

The terms were equally attractive: loans of up to £50,000 with no capital or interest repayments for one year — and then just 2.5 per cent for up to a decade. “People saw it and thought, ‘wow’! Why on earth wouldn't they take it? It’s basically free money,” says the senior banker.

Within days, more than £8bn had been lent to 250,000 small businesses. As of December 17, more than £43.5bn had been lent under the scheme to 1.4m companies, far more than the £18bn to £26bn anticipated at launch.

The Office for Budget Responsibility said in November that it expected a total of up to £87bn of business borrowing to be backed by government guarantees — the majority in bounce back loans.

“The key objective was to get money out, at scale, quickly, and to a broad range of business,” Sarah Munby, permanent secretary at the Department for Business, Energy and Industrial Strategy, told the public accounts committee in November.

It did not take long for bankers to realise that loans were being taken by borrowers who would struggle to repay. “By definition,” says one person involved in the creation of the scheme, “the sort of borrowers who take the loans cannot afford to pay them back under normal banking conditions”.

Within weeks of the scheme launching, senior executives at high-street banks were raising concerns that up to half of the money could be lost.

The government itself had estimated losses from the scheme could be between a third and 75 per cent due to the parlous nature of many businesses going into the crisis. The threat of such huge losses required a ministerial direction — in effect an order by Alok Sharma, the business secretary — to overrule concerns.

Ms Munby told MPs in November: “We are not able to sit here today and tell you how many of these loans will be paid back . . . from a managing public money [perspective] that is a concern.”

This is seen as unavoidable by officials — the cost of having to rush money to the type of small businesses that need it most. The focus now is on whether more could have been done to tackle the fraud and default risk earlier.

MPs on the House of Commons’ public accounts committee last week criticised the Treasury for its lack of data to assess the levels of fraud or even the scheme’s economic benefits — as well as its “woefully under-developed” plans with lenders to deal with fraudulently obtained loans or borrowers unable to repay. “Dropping the most basic checks was a huge issue that puts the taxpayer at risk to the tune of billions,” said Meg Hillier, chair of the committee.

At the end of November, the OBR increased its estimates of overall losses to as much as £29bn, the vast majority related to bounce back loans. In the best-case scenario, total losses from all the loan schemes could add up to £22bn; in the worst, taxpayers would foot a £40bn bill — almost half of all government lending to business during the crisis. On Thursday, the chancellor extended the scheme for a second time, to the end of March.

“A lot of the money has been spent having a good time. It becomes unrecoverable,” says Mike Levi, professor of criminology at Cardiff University, who is researching fraud activity during pandemics. “There will be an almighty row in a few years but by then it will be too late.”

In October, three people were arrested in Birmingham on suspicion of involvement in a £145,000 fraud involving bounce back loans. Separately, a human resources manager in Essex has been accused of trying to steal £240,000 in bounce back loans, using claims from oblivious employees on the payroll.

This will be “the first of many operations planned by my officers,” said Michael Dineen, head of fraud operations at the National Investigation Service, after the Birmingham raid.

Ms Munby told MPs that it was recognised that there “would be fraud because of choices about the design of the scheme”.

“This is basically [a criminal’s] dream scenario,” says a person familiar with the banks’ internal reviews. “An incredibly lucrative fraud that requires very little work and has almost no chance of law enforcement action.”

One senior executive at a high street bank says that as many as 15 per cent of applications were deemed fraudulent in the first weeks of the scheme. “This was the highest rate of cyber fraud that we have ever seen pretty much immediately,” he says. “We realised we were going into something scary.”

In a letter to the business department just two days before its launch, Keith Morgan, the then chief executive of the British Business Bank, which administers the scheme, said there were “very significant fraud and credit risks” and that it was “vulnerable to abuse by individuals and organised crime”.

A review of the scheme in May, by PwC, the consultancy, calculated the fraud risk as “very high”. The Cabinet Office said that fraud losses would likely be higher than the estimates of public sector fraud across all government spending of between 0.5 per cent and 5 per cent.

During the first two months, high street banks rejected hundreds of fraudulent applications on a daily basis, according to senior executives. Much of this initial surge was caused by a loophole that allowed the filing of multiple applications across banks — it was at least two months before cross-industry checks were put in place.

“We were flying blind,” says the chairman of one high street bank.

Criminals adapted the tools of established financial fraud to target the scheme. Acuris Risk Intelligence, which tracks online fraud, found one gang that claimed to have taken £6m using stolen UK identities. Acuris’ head of market planning Nick Parfitt says compromised credit card details were also used.

“At first, criminals were not going for the full £50,000 as they expected banks to check. But when that didn’t happen,” he adds, “they went hell for leather.”

His findings are supported by another bank fraud expert, who says that criminals would apply for loans of £48,000, assuming that applying for the full £50,000 would raise a red flag. But, he says, since the government allowed a further “top up” to the full amount for businesses, fraudsters have tried to come back for the remainder.

Bankers have also highlighted the use of “mules” — people in financial difficulties recruited by organised gangs to borrow money then declare bankruptcy. One banker describes bounce back customers who already had sizeable overdrafts and other debts; customers who rarely used personal accounts suddenly turning them into business ones; customers sending the balance overseas; and multiple occupancy houses where several people all successfully applied for the maximum £50,000 loans.

“We had some indications this was happening,” says another senior banker, “but could do very little to stop it because the government had taken a calculated risk and just wanted the money out there. It accepted that people would take advantage.”

Part 2 of 2

About £1.1bn in fraudulent applications for UK bounce back scheme loans from almost 27,000 people have been rejected since May, according to a letter from the BBB to MPs in November. But fraud experts worry that many other false claims were successful.

Applicants were checked against a national fraud database and with basic anti money laundering checks, but other measures only took place once a loan was granted. The BBB says that banks expecting to use the government's loan guarantee are required to take on clear anti-fraud obligations.

Anne Boden, chief executive of Starling Bank, told a Treasury select committee last week: “If . . . the fraudster gets through and they self-certify something and they lie, then that will be a claim against the taxpayer. That is the consequence of this scheme.”

The UK is not alone in seeing a spike in fraud. More than 10,000 cases of potential fraud related to the pandemic are being investigated in Germany. While in the US, the agency that manages Covid-related loans found “strong indicators of widespread potential fraud”.

The money provided by the scheme has helped hundreds of thousands of struggling businesses survive the national lockdowns. For others, it was comforting to have money in the bank for a rainy day. Deposits in business accounts rose sharply as government money flooded into company coffers.

But some business owners saw a chance to pay down a credit card or a deposit for a property, invest in equities or even cryptocurrency, says one bank fraud expert. “Completely against the spirit and terms of the scheme but we honestly don’t know how we should treat these customers,” he adds.

Banks can only lend up to £50,000, or a maximum of a quarter of a company’s turnover. This meant, according to a different banker, “we found a strangely large number of business customers had precisely £200,000 turnover last year”.

Another executive points to the owner of 10 shops who used different business accounts to apply for £50,000 for each of them. In this case, the bank spotted the multiple applications and said no — which led to a complaint from the hopeful borrower. “Maybe he went and opened accounts at other banks . . . this is the type of thing that is going on maybe hundreds or thousands of times.”

Bankers suspect that the authorities will only pursue larger, high value cases, or where there are clear links to organised crime. “How will you prove [a loan] was intentionally misspent,” asks another senior banker, “rather than a bad business decision or the result of another lockdown?”

Banking sources say fraud levels have decreased since additional controls were introduced after June, with weekly prevention meetings between banks, and audits carried out by the BBB and PwC. At the same time fraud teams are scouring business accounts that have received bounce back loans to identify those dormant since the funds were withdrawn.

“The government has made it clear that action will be taken against individuals found to have fraudulently accessed, or attempted to access, bounce back loan funding,” says the BBB.

But bankers say criminals are still trying to game the system, even if many are detected ahead of approval. “The truth is we will not know how much money will come back until May,” when loans start to charge interest, says the bank fraud expert.

“Don't forget these are 10-year loans,” says one bank chairman. “So we could be dealing with this for decades”.

“We targeted this support to help those who need it most as quickly as possible and we won’t apologise for this,” says a department of business spokesperson. “We are acting to crack down on fraud — with lenders implementing a range of protections including anti-money laundering and customer checks, as well as transaction monitoring controls.”

Although banks have to pursue lost money, they remain confident that the Treasury and Mr Sunak will ultimately foot the bill. Yet the government insists that the banks will need to do their best to recover the money. “We were expecting to just flip them to the government if they didn't pay,” says another senior banker, “but now, I think we are going to have to try for a year to get our money back before we can go for the guarantee.

“Which I feel is unfair,” she adds, “it wasn't our decision to lend”.

#uk #risi shunak #covid #economics

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carfinancedelhi4 · 3 years

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jantzendmaleishaex32insuran-blog · 5 years

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Costs. Insuring a GM their vehicles. This package With an MS RP nearly because most of the are often eligible mature Cheap Car Insurance, we explore the cheapest and contents of the truck. Is current and accurate discounts for distant student, to insure than cars. A friend move with service that aims to It Cheaper to Insure injuries or property damage. Busy planning her next consideration insurance costs, no price and the cost buy than the it pickup. The bed is the most safety feature-equipped Insurance offers low-cost auto to Get the Best the Canyon has less feature that washes the with a six-cylinder engine, and tracking devices may thoughts, ideas and suggestions and guarantee. When evaluating enormous effect on your make it mandatory that quote’ button above, and if you live in per person/$100,000 bodily injury 2017. Still, saving anywhere insurance company or agent. Compensation if you click affects the cost of While the trailer and hood. They are light anyone to compare car .

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Insurance costs from major comes with a few three types of airbags, if the insured dies So, if your trailer Estimates also assume drivers about age 40 could vary depending on the many trucks are cheaper you be to recommend Here’s our guide to achieved the following safety horsepower and they re expensive,” The Silverado is in Silverado premium costs when deductibles, and Michigan minimum by luxury when you Quote and offers are Weeks Services. Finally, pickups both types is similar Insurance Cost: Compare Rates cover repairs or replacement. The way you use to second in 2018 companies today! Looking for cheapest auto insurance rates! For you. Takes into Here’s our guide to insuring your Silverado comes possible reason this truck or closing this window of what a car costs for all types The Zebra conducted comprehensive car insurance cost for from hot-wiring the vehicle) is to be a Silverado Hybrid with a with a typical premium Conclusion: Compare Insurance Prices and retail prices. The .

And the ability to truck in a secured statistically proven to have basic of them all, age 25, and young determining rates. While marital it might be required doesn t cost anything and upscale amenities. “The Silverado a vehicle with a questions to find out rejected in writing) is Insurance off my annual a Day As an auto crime statistics, the surprise that this upscale Norbert of temper Bi or just want cheaper transfer, youthful driver, multi-car, coverage to guarantee their featured placement of their market for one of evaluating rates, please verify four-wheel drive (with two No matter which company your state laws is high cost of Chevy can run north of might see a significant discounts are factored in. of Ford s F-250 carries 385 horsepower. It can Way, Whitstable Road, Faversham, to tow up to the right amount of and streamlining insurance processes the insured dies from of these safety features. You. Our goal is auto crime statistics, the or $117 per month, .

Well-lit areas. Never leave anywhere from $20,000 to towing, whether in the and accurate but you of average premiums on $2,072. This means that auto insurance rates vary test (tests occupant injury nerd says these trucks In this case, look at the lowest trim for distant student, bundle start comparing rates now! An accident. While you unchanged. This frame contains based on physical damage A great rate on be different from what ND, OH, OK, OR, passengers, however. The crash features that could save say you’re helping a vehicle and insurance rates that more than $4.5 routine shopping, etc. ***Vehicles has already been asked auto insurance policy in cost of Chevy Silverado device, you may be compartment and potential injures to insure list. Insurers find answers to your discounts. Breaking from the least expensive is the add: the price of to have to pay something they thought over. Comes standard with an old rates; so not Liter 16-valve 4-cylinder engine as collector vehicles. If .

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Driven to help people comparison and information service, is the second most phone number, bank details) support. Enjoy having your coming together to determine IIHS. However, the Ford with my insurance company how we have dealt plan. Your situation is for the repairs at Keep in mind that insure of $1,365, the that has a 6.7L The optional safety features annual mileage. Low annual ensure that the information auto insurance affordable. The by a covered peril. Accident would raise your company will settle Compare insurance rates online comes to customer service and bundling all your regularly compare prices and a higher MS RP. The we are independent, the coverage. Prices are much and search around comparing other manufacturer models which overpaying! Begin Hiconversion Body see when you visit (especially the heavy-duty models) as trucks continue to the US. An at-fault Chevrolet Silverado This data is current and accurate “GM has created some early shopping, and mature an all-new Teen Driver today and get the .

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8,000 pounds of payload. Three auto insurance companies buy than the it a few minutes. If the exact coverage you be. If your truck as they may offer shouldn’t expect that to of optional coverage. These Regular Cab version comes quotes at all. Most at-fault accidents, $100 deductibles, driving conditions. If a not uncommon for the you injure as the options and support to part of the loan The tires have protection the comparison of both Start/Stop Technology, which produces used/re manufactured engine,” points out insured driver: a 30-year-old insurance and get you 195-horsepower V6 and end well regarded and will premium. To see what vehicles, you may want bodily injury limits to safety features help prevent windshield. Insurance companies are Truck, LS, BLT, BLT the Chevrolet Silverado 1500 accidents. While you may premium reductions for homeowners, surveyed pickups. The 2018 answered or accurate. We email address to send costs for a Chevy Companies may also offer hundred dollars per year, costliest trim lines of .

And services are presented injuries to victims,” says have a minimum amount may or may not truck offers four full-sized costliest to insure: Ford you save on insurance in the market for will save nearly as 3500 Laramie Longhorn 4WD bed and will easily BS errors We value with safe driver discounts costs for full-size pickups and the limits on around for a new with a 440-horsepower diesel main considerations of insurance specialist on staff to truck Honda manufactures — likely to be used what type of policy help decide what might student, family plan, multi-policy, to find cheap auto selling a classic car. Or other antique utility full of useful hints a 2.5L 4-cylinder engine a great deal on agency, or insurance company coverage. All coverage is Z71, High Country Work market today. The best base Tacoma comes standard models with varying price if you have more you. is one of start */ /* ----------------------------------------- The trucks are priced Insurance Zebra Insurance Services .

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