I made the mistake of taking a loan earlier this year. The deferment was 500 a week. I kept up with the deferments and when i could finally clear it, the UML decided to go MIA on me. Then, another number texted me saying it was him, same person, his phone died. I was very wary and even verified but I was sick and tired of it all and just wanted to clear. So I transferred to settle and closed the damn account. Next day, suddenly the old number is back in use and the UML is pretending that he didn't receive a single thing from me? Wtf really. I told him straight out ive done my part but no immediately he started doing the harassment nonsense like send me pics and videos and even threatened to mass spam details to the whole of Singapore, and when I refused to bother, even texted my NOK. frankly very sick of it. I went to the bank to try to close my account but was told I can't close it on the day itself due to some VISA transactions made recently that has to clear first. Went home, gave the UML a piece of my mind and asked him what does he want? Payments made,. Receipts shown. He said "oh his staff absconded with the company money and has gone rouge collecting loans and keeping money for himself." REALLY. Then it's his fault he hire such an untrustworthy person right? Why should I pay again just so he can close an account? Assuming whatever he said it's true, then go find the person who absconded with your money la, I did my part to repay a loan, it's not my fault his phone happened to "die" on the day I wanted to close the loan? Did I have a part to play in his hiring practices? Based on these two lousy reasons he could come up with, why should I make the same pay amount amount again??? Then again, I really hate the idea of this harassment nonsense so I told him the only way to resolve this is if we 50/50. 50% of my sanity maybe worth it la hor? He agreed but said I got to make the payment and then he will transfer me back. Riggggggght. Honestly I don't believe a single word but I think closing is more important. And the UML can send me a screenshot of a transfer made to my name etc taken from a screen but no money credited. Transaction says successful. Format looks correct. Even the timing in the computer screen is correct, and it's obvious it's taken from a desktop screen due to the glares and refractions. I just have a few questions:
1) I will be closing the bank account, no doubt. But I worry they go do the anyhow transfer money thing to me claiming I wanted a new loan zzz. I only can close my bank account 1wk later.
2) is there a possibility they still claim I never close? 2nd time round the bank account number is the usual one I always transfer the deferment payments to, so they cannot say they never receive, and I've been up to date with the deferment payments and have not accumulated any.
3) is there a point of me filing a police report now? Or should I wait til after I close my bank account? I don't think there is anything the police can do about this because I think they got too many handphone numbers at their disposal. I report 2-3 numbers, or 2-3 bank accounts, these Low lifes will just move on to use another bank account/handphone number. And to be honest they have not physically assaulted me or violated my personal space I.e do the house paint or voyeur thing. Would it be best to let sleeping dogs lie? Or should I run the risk of reporting, and if they figure out it is me, (maybe they park 1 bank acc for me to transfer to? So if that account kena frozen because police investigation they will link it to me?) and then they start all their nonsense again??
4) am still quite pissed over the whole "you transferred money to the wrong person blabla impersonator company employee ran away" story. Very annoying because it is so obviously a made up story. The UML actually said "don't worry I will find and catch him and transfer you back your money" LOL. Since I think the person didn't run, I'm severely tempted to use one of the pre paid SIM cards I have as loan-bait. Then I be like LOOK HERE YOU MOFOS. Your guy run away is it. What's this now.
Thoughts?