Hi,
Briefly read through your experience.
There are no difference between loan scammers and loansharks. They are the same fellows. 1st they try to scam you. Ask u provide details with bank account number. Giving them your bank account number, allows them to scam you by,
1) depositing a small amount of money, asking you to return a way higher amount by saying they need trial loan to tell their company how your repayment capabilities are. ********s.
2) once they have 1 cent with you, they can legitly extort u for money, threatening you with shits if you do not do what they want. Some loansharks even tell shits that loansharks are legal whereas loan scammers are not. ********s.
3) once you fall into their traps of paying them, they know that you are an easy prey to continue. Both giving real loan amounts you need and loans scams of admin fees, etc. They will even tell you licensed moneylenders or even banks also need your details plus, charging you a processing fee. ********s.
I once fell into the scam trick #1. Didn't pay them exactly the amount they asked for. Bargained both hard and soft ways. Point to note, some of them can be intimidated and some, you need to pretend a dog.
One experience I had against loanshark is slightly different. That fellow scammed others and ask the victim to deposit money into my account. Bank alerted me as victim's bank did a funds recall. I immediately called that loanshark up, scolded him like nobody's business and ended up not needing to pay him back.
Morale of the story, don't be too afraid to stand against them. 99.99%, your family and friends, even neighbours, will stand by your side.
Tell them the truth that you were being scammed. Ask for forgiveness and help. I'm sure they are willing to support you in every possible ways.
If you've cleared payments with them, you don't even have to worry they'll come after you. They have no grounds or rights to even ask for "runners". Moreover, it is not foc. They won't be that stupid to pay to harass you, knowing you're firmed on not giving in.
I'm not exactly an expert but I've been through all shits over 3 years. If you have any questions, feel free to ask. I'll answer with my best knowledge.