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Loan Shark Harassment and how to stop it

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Old 16-07-2018, 12:12 PM   #2041
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so total amount how much you owe?
my family member owed $17k to 15LS. we didnt know what to do. we paid in total $6200? we pay and pay, pawned jewellery, you will reach a point where you really will dried up. so we negotiate with the LS, come up with some very sad stories then blocked their numbers.

then we tahan their harassment. it will take quite some time to recover really.

the type of harassment are:
call / sms / whatsapp / love letter via mail / lock gate / splash paint / graffiti on wall / spoofing method - means they send sms from your phone to your phone. i dont know how this technology works.

come clean to your mum. cos the harassment confirm come. install cctv, block their numbers, report police if anything. then just tahan their harassment.
In total $8k based on their clear amount. I haven't block them but they have been very quiet over the last 2 days.
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Old 16-07-2018, 12:13 PM   #2042
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Please make a police report immediately. And please break the news to ur mum. Change her hp number and be vigilant
I'm thinking of reporting loss ic, delete everything in my hp. If they strike my house, I will maintain I lost IC and dunno anything. Will the police buy it? Will my bank accounts be checked? I did a few payments via ibanking unfortunately.
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Old 16-07-2018, 12:14 PM   #2043
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Take up second job part time to earn money then clear all the debt.
Can try PHV to earn additional income.
Am already doing that. This is draining me physically & mentally.
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Old 16-07-2018, 12:18 PM   #2044
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I'm thinking of reporting loss ic, delete everything in my hp. If they strike my house, I will maintain I lost IC and dunno anything. Will the police buy it? Will my bank accounts be checked? I did a few payments via ibanking unfortunately.
they strike your house, you can only clean up lol. you dont even know when they will strike. the paint is not pastel paint, its industrial paint. so its very heavy duty.

just prepare to do some push ups, thinner, scrub, town council number (in case they write graffiti upstairs downstairs, so do a thorough check on all lift lobby and staircase landings)

the least you can do if the LS call, you just say someone stole your IC and borrow? im not sure what others here would think.

the police will check and investigate your bank account.
if they know got some funny transactions they will close the account.
cos you dont want the LS to suddenly transfer money to your account then say you owe them

Last edited by lesnar88; 16-07-2018 at 12:33 PM..
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Old 16-07-2018, 12:52 PM   #2045
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they strike your house, you can only clean up lol. you dont even know when they will strike. the paint is not pastel paint, its industrial paint. so its very heavy duty.

just prepare to do some push ups, thinner, scrub, town council number (in case they write graffiti upstairs downstairs, so do a thorough check on all lift lobby and staircase landings)

the least you can do if the LS call, you just say someone stole your IC and borrow? im not sure what others here would think.

the police will check and investigate your bank account.
if they know got some funny transactions they will close the account.
cos you dont want the LS to suddenly transfer money to your account then say you owe them
Prepare lo..thinner cloth n town council no
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Old 16-07-2018, 12:53 PM   #2046
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Am already doing that. This is draining me physically & mentally.
I been doing last for last 3+ yrs..
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Old 16-07-2018, 01:27 PM   #2047
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I been doing last for last 3+ yrs..
Can PHV really help? Seems like need to put in ablot of hours and cant really earn a lot. No more incentives for drivers and comm to pay so high, plus rental and fuel. Tough man.

Getting a taxi license might be more worth it these days.
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Old 16-07-2018, 01:32 PM   #2048
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I been doing last for last 3+ yrs..
Harassment at the company continues. Waiting for the physical harassment to start now that love letter has been sent
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Old 16-07-2018, 01:39 PM   #2049
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Harassment at the company continues. Waiting for the physical harassment to start now that love letter has been sent
Love letter say what
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Old 16-07-2018, 01:40 PM   #2050
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Can PHV really help? Seems like need to put in ablot of hours and cant really earn a lot. No more incentives for drivers and comm to pay so high, plus rental and fuel. Tough man.

Getting a taxi license might be more worth it these days.
I use to drive taxi nite relief for my uncle..now driving full time
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Old 16-07-2018, 01:45 PM   #2051
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I'm thinking of reporting loss ic, delete everything in my hp. If they strike my house, I will maintain I lost IC and dunno anything. Will the police buy it? Will my bank accounts be checked? I did a few payments via ibanking unfortunately.
Just be honest with the police. As for bank account, close it. You might to consider putting a layer of the transparent cover (those you wrap the book cover with) on your door.
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Old 16-07-2018, 02:33 PM   #2052
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Love letter say what
Same as yours lor
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Old 16-07-2018, 02:46 PM   #2053
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Same as yours lor
Gt pic of u..what's the threatening msg
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Old 16-07-2018, 02:56 PM   #2054
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I have finally finished reading the whole thread, took me several sleepless nights to cover all. Despite my earlier post, I still have not made any report to police to date.

In my case, I owe LS due to bad cashflow management. YOLO Lifestyle, Credit Card Bills then Out of Job. I first borrowed LS in May after receiving their advert. Asked their rates and I wanted to get the monthly loan but as in usual cases was told to get a small loan first due to first time dealing and need to monitor payment history. In desperation, I went for it. LS was Jovan from Power Credit. Gave NRIC, Payslips, NOK (Mum). No Singpass required.

$350 cashback, $500 clear, $150 defer. 3 days loan. 2 days later suddenly texted to inform payment was due as the day I got the loan itself was considered 1 day. Duped, but becoz I need THAT MONTHLY LOAN and I could clear, I offered to return $500. From 12 to 4.45pm after asking so many times for bank details, he finally replied at 4.55pm with bank account $150 deferment by 5pm. I argued for a good hour but later paid deferment coz still hoping to get that monthly loan. At 8pm, LS JOVAN called said I need to take up another loan from his friend coz I deferred. Still desperate for mthly loan, I said ok and same thing cashback $300 ($50 admin), clear $500, defer $150. Days later I got another advert. Being in tight cashflow I took up 3rd loan so I can pay up LS1 & LS2. There was 1 day when LS2's "boss" called up and threaten me to pay up immediately and somehow LS3 was being nice, providing me back-up and even offered to speak with LS1 LS2. He told me not to pay up LS2's boss, block his number and remember the codes LS gave to me when given loan. Pay up accordingly and always ask for their codes. Somehow, LS3 was my confidant at that time and taught me how to handle LS1 & LS2. 2 weeks later, I finally cleared LS1 & LS2. Once cleared, I blocked them as taught by LS3. No harrassments after that. So I'm only left with LS3. A week later, after I managed to clear LS3, I blocked him too and this was after he told me to defer and not clear. I still clear & blocked him straightaway. That day & night, my phone was bombed with whatsapp & calls from LS3 & lots of unknown numbers. He even called NOK (mum) who of coz panicked and called my home too. Threaten my mum to hang PIG's head and also give present for Hari Raya. I pulled the wire and also block all unknown number on mum's phone. LS3 continued to call until 3am and also sent me the burning gate video. After that, it was quiet but I stayed vigilant for the next few nights.

In all, I paid LS1-LS3 2-3 deferments before I finally cleared them.

2-3 weeks later, LS3 contacted me using new number. Told me he didn't know what happened the last round, went back to Malaysia then found out his workers treated me so bad. Now he's with new company, just opened new stall and asked for support. Told me to take small loan before he can offer me monthly loan. Offered me 5day loan. I rejected, gave him excuse I need 1k & 7 days to tide me till I get my pay but he said could offer me $500 cashback only. I rejected. After that LS3 MIA.

Days later, new LS4 advert offering me loan to suit my needs. Tight in cashflow, I asked for $1k and he said ok for 7 days loan. Was given cashback $950, clear $1500, defer $500. I deferred LS4 once, then asked if I can take up 2nd loan. He ok and gave me cashback $950, clear $1500, defer $500, 7 days loan.

Then I took up LS5 who offered me 3 days loan, LS6 3 days loan, LS7 & LS8 daily loan to pay up one after another. No singpass was requested from me except for nric, nok, office number ( this time i gave my spare sim number & claimed house no phone line) & a snapshot of my cpf contribution (some don't even ask) and of coz account number.

This is the breakdown so far:

LS4: 2x 7 days Loans. Cashback $950x2. Deferred 2x each.
LS5: Daily Loan $70, Cashback $1000, Paid $500 in deferments.
LS6: 7days loan, Cashback $1000, Deferred 1x $500.
LS7: Daily Loan $70, Cashback $700, Paid $150 in deferments
LS8: Daily Loan $50, Cashback $500, Paid 0.

And I REALISED, BANK ACCOUNTS FOR LS4-LS8 ARE THE SAME AS LS3. Yes, it took me that long.

I finally cannot not keep up with the deferments. Early this month, I told them I don't have anymore money and cannot pay them. They scold me left right centre but I calmly told them I really don't have any. LS5 settled with me nicely and offered table talks. He also told me that there is no such thing as monthly loan which I have hoped for. Table talk of weekly payment was given to me. I nego same thing with LS6-LS8. When I was due to pay LS4, I broke news to him that I can't pay anymore. He scolded me for not coming back to him when I was jam with payments and went on to take up LS5-LS8. He said not his problem and I have to pay him still.

In all, I was offered table talks by LS4-LS8 and was given weekly payments to be made. However, every morning, they will check on me how much I have to date and can transfer 50 to them. Told them I dont even have any money to eat and 1 even offered to borrow me 50. 1 also sent me kissed (crazy!)

Up till last week, I have not made any payment to them since early this month, have not blocked them. They have been quiet despite some threatens to splash paint, find me , do me then I will know whether to pay or not.

Here's my issue.
1. I don't know how to break news to my mum and I can't bear to break her heart due to historic AL matters with my late dad. When LS3 called mum & threaten, she asked if I did borrow LS and I assured her it was scam.
2. I don't have many friends, thus looking for advice here.
3. I haven't made any police report and I don't know what's holding me back. Probably the admittance in me that i brought all this upon myself.
4. I'm just afraid if they lock my house or splash paint then I will have to call the police in. I definitely can't say to police this is scam due to lost of IC in front of my mum. Bottomline is I just dont know or cant tell my mum I owed LS. It's heartbreaking enuf for her to know that I already owe several banks.

I really don't know what to do. I can deal with splash paint tho it will take hours to remove but I can't face my mum & neighbours.

If you're gonna condemn me, please keep them to yourself. I have already condemned myself bad.
Whatever your reason for being involved with LS is not important. No judgment here. We are only in this forum because we all been through these things. Based on my personal experience, changing handphone number, blocking them from my NOK's phone, closing my bank account really help. The more u see the whatsapp messages, the more it add to your stress. We all need clear minds to deal with this. I deactivated my social media accounts temporarily. And lastly, keep telling myself that all of these will pass. Just be strong. Take care.
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Old 16-07-2018, 03:22 PM   #2055
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My LS has been dealing with carousell sellers and ask them to come to my address. Happen to one of the buyer actually,he get intouch with me to confirmed. He made a report via the app to report this LS.
u mean the LS ordered something from Carousell for u?
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