Ya understand from that, but 1st thing that came through my mind was dont wanna owe them anything. They immediately started to threaten me. Change number to threaten.than to my NOK. Now i just hope that it will stop here. And get back to normal life.
Pretty much most feel the same. We don't want to feel we owe them anything.
But they don't follow or live by those moral standards. We are honest and as borrowers we feel compel to return what we owe.
That is the "weakness" they will exploit. Doesn't matter to them if they lose some. For those that they are able to extort $$$$ from it's multiple times over the ones they lost.
The amount you and others returned will be used by them to rollover to next and future victims.
I understand that your immediate situation now is to protect your family and be done with them. Honestly, there's no way they can lay a finger on you or your family. Runners are only use as an extension of these virtual UML to instill fear without physically harming. I dare say this because we live in Singapore and have not become the cowboy town of our northern neighbour where victims are sometimes kidnapped and tortured to make them pay up. But not in Singapore, our SPF are doing a great job and further more kidnaps are unheard of for many decades because of capital punishment.
Anyway, it always start with the feeling of anxiety, fear and finally anger. You will go through this set of emotions.
I'm just helping to expedite straight to anger for victims here by providing and sharing the collective experiences and knowledge so that you can go back to normal life and pay it forward.