HWZ Forums

Snaptwist05 · 11-07-2018, 11:46 AM

Snaptwist05 wrote:

Now its my turn.. AL start to msg me n demand payment now.. Need to endure for now. Haizz

N now the threatening started..

Snaptwist05 · 11-07-2018, 11:50 AM

Snaptwist05 wrote:

N now the threatening started..

Wondering what is their next step? Call NoK? Call office? Grafitti? Paint?

lesnar88 · 11-07-2018, 12:04 PM

Jjlin1205 wrote:

Everyone la...

They won't send everyone in your block. They at most only send 2 or 3 units around your level. Heng suay some random units. If your neighbors kind enough to take notice, they will come ask u about it. If they don't, chances are AL only send mail to your unit but claim he send to everyone

lesnar88 · 11-07-2018, 12:10 PM

Snaptwist05 wrote:

Wondering what is their next step? Call NoK? Call office? Grafitti? Paint?

Depends. Usually NOK first. I would say paint and graffiti rare now cos cameras are everywhere and debtors/runners know the consequence of vandalism. Maybe via mail?

The threatening will last longer now cos they just call/WhatsApp/SMS. So they are just keyboard warriors. Compared to 2009 when my family was being harrassed, the AL need to pay runners to splash paint/graffiti. If we don't pay, then it doesn't make sense for AL to keep paying runners to harrass us.

But still just stay vigilant

lesnar88 · 11-07-2018, 12:33 PM

Jjlin1205 wrote:

I paid untill I cannot afford that's why I no choice but to run

Don't pay. Just block the numbers. Anything report police. The consequence of this is u have to tahan the ordeal next. Tahan until they give up

Jjlin1205 · 11-07-2018, 12:39 PM

lesnar88 wrote:

They won't send everyone in your block. They at most only send 2 or 3 units around your level. Heng suay some random units. If your neighbors kind enough to take notice, they will come ask u about it. If they don't, chances are AL only send mail to your unit but claim he send to everyone

I believe they send to most of the unit.when I see my neighbour in lift i feel they looking at me awakardly

Snaptwist05 · 11-07-2018, 01:08 PM

The AL seems to have good english.. Couldnt tell if the are malaysian or overseas.. Seems like to have singaporean accent. Haha

delceer · 11-07-2018, 01:29 PM

Snaptwist05 wrote:

N now the threatening started..

Snaptwist05 wrote:

Now its my turn.. AL start to msg me n demand payment now.. Need to endure for now. Haizz

You borrow how much ?
If the amount is not a lot, they will write off as bad debt ?

Snaptwist05 · 11-07-2018, 01:41 PM

delceer wrote:

You borrow how much ?
If the amount is not a lot, they will write off as bad debt ?

I didnt borrow from any AL.. Last 2 months i took payday loan from LML.. Settle the payment 5 days earlier.. Couple of days later, received a text msg from a differrent number saying that they didnt received payment. Tats where it all started till now.. Loan that i took was $500..now suddently become $3000..ask me to make deferment 650 first.. Wth

delceer · 11-07-2018, 01:45 PM

Snaptwist05 wrote:

I didnt borrow from any AL.. Last 2 months i took payday loan from LML.. Settle the payment 5 days earlier.. Couple of days later, received a text msg from a differrent number saying that they didnt received payment. Tats where it all started till now.. Loan that i took was $500..now suddently become $3000..ask me to make deferment 650 first.. Wth

You went to their office to settle right ?
How come you settle the payment 5 days early and they still demand money ?
This is scam leh. Legal money lender can do that ?

khunjuno · 11-07-2018, 01:49 PM

Snaptwist05 wrote:

I didnt borrow from any AL.. Last 2 months i took payday loan from LML.. Settle the payment 5 days earlier.. Couple of days later, received a text msg from a differrent number saying that they didnt received payment. Tats where it all started till now.. Loan that i took was $500..now suddently become $3000..ask me to make deferment 650 first.. Wth

I ever receive random WhatsApp say my loan is due also, that was before I run all my ah Long. Just account number to transfer to. I ask who are you but the AL never reply

khunjuno · 11-07-2018, 01:52 PM

delceer wrote:

You borrow how much ?
If the amount is not a lot, they will write off as bad debt ?

Write off as bad debt after a few weeks of harassment I think. From fellow forummer experience, AL on and off will come disturb again after that. Bigger debts will probably come splash paint firsy

Snaptwist05 · 11-07-2018, 02:13 PM

delceer wrote:

You went to their office to settle right ?
How come you settle the payment 5 days early and they still demand money ?
This is scam leh. Legal money lender can do that ?

LML will give u a card with loan acct no, bank acct and loan amount. Did a police report and after investigation, found out the LML is not register under gov. They assume that the LML sell my acct to these AL.

Snaptwist05 · 11-07-2018, 02:15 PM

khunjuno wrote:

Write off as bad debt after a few weeks of harassment I think. From fellow forummer experience, AL on and off will come disturb again after that. Bigger debts will probably come splash paint firsy

Maybe if $500 i think they can write off.. But now they demand $3000..to me thats big debt. If i were to pay them 650 for defferment, i bet they will ask for more the next time.