Unlicensed Moneylenders - Loansharks - Ah Loong Part II
Continuation of: Unlicensed Moneylenders - Loansharks - Ah Loong
What to expect if you stop paying them money?
At this point of time, you should have made police reports on them and advised to cut all communications with them and stop paying them. Police would also ask you for the account numbers that UML/Loansharks/Ah Loong gave you to pay them money. What police does are simply bulk freezing of accounts. Investigating each and individual account - if account holder vs user are the same person and if it is used for them to get their "profits".
TBH, this is pretty useless. UMLs don't use 1 single account for too long and on a daily basis, they clear out the cash in account. Hence, those affected are actually the poor victims. Once your account got freezed, you will need to go down to the police station for a statement, to prove that you are not UML by providing them your past 3 months bank statement, nric, atm cards. The investigation take 4months or more, to release your account, before you are able to use it again.
The moment you stop paying UML money, they will:
Step 1 -
1) non-stop call, sms, whatsapp your mobile number
2) harass your family via calls, sms, whatsapp
3) call your office to look for you, say you owe them money
Step 2 -
They will continue Step 1 + threaten to bring harm to your family (fake videos of beating up "victims", splash paint pictures, videos of fires set), make you lose your job, shame you by harassing your neighbours as well.
Step 3 -
They will start to take action by,
1) send people to your place and reece (usually KFC, PizzaHut delivery, etc)
2) knock your door to look for you and ask for money
3) send people to splash paints at your door (fyi, now they are using females to do the job. No caning to females when convicted)
4) send people to chain lock your door + set fire
You might ask if they really have people in KFC/PizzaHut/Food deliveries.
- most of the time, they will make real orders via online to your address. Hence, those are real delivery guys.
Why do they do that?
- FOC
- If nobody's at home, delivery guy will call the number they provide and the UMLs get to know nobody is around.
- If someone's at home, likelihood, you or your family will tell the delivery guy that it is a wrong order made. Delivery guy will call the number use to make order to confirm - and chances are, the UMLs will fake and request the phone to be passed over to whoever is at home and start rattling vulgarities and make you think they have strong networks - even KFC/PizzaHut/Food Delivery have their "runner"
What should you do?
- ask for the receipt (showing contact number of UML)
- snap pic of receipt if you cannot have it from delivery guy
- inform delivery guy NOT to call back the number and to go back and inform their superior not to accept orders to this address
- call 999, inform of incident - provide receipt (pic) to officer
Hopefully they could hunt them down via the live number use for making orders.
You should also,
1) seek approval from town council to install cctv
2) go to hdb website and get their recommended vendor to do installation - rather cheap, around $30 per camera. Best to have motion detection, so you dont have to glue yourself to the cctv.
Have the cameras installed at super prominent location with no blind spots.
Hopefully, anyone who comes and do the paint job, sees the camera and abort mission. Else, at least you'll have the footage to provide police.
Make sure you do not take on them, unless certain that they do not have any weapons. Self defense is legal in SG, but, inflicting injuries on them might bring you trouble too. If you use "cane", "hanger", etc, as your defense, likelihood you wont get into trouble as they are household items are not deemed as weapons (such as knives, baseball bats etc).
War against them is rather long - usually 3 to 6months or longer.
You'll just have to bare with the torment before your life gets back to normal.
Before that, just make sure you and your family stay vigilant when going out/coming back home.
Feel free to ask any questions.
Next up, I'll share on HDB flats being harassed (splash paints, etc), whether selling/renting out are legal.