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It has been three days since Heng Chang signed the loan contract. Why don't you borrow money?
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Did you mention the value date when signing the contract? It is normal if payment is not received before the value date. After the value date, you need to find staff, so they broke the contract. I hope you can actively communicate with them. This company is a relatively large company in China, with strict audit to prevent bad debts. Things like this seem to need three audits.