[25chic]

cw3007 wrote:

If LML is doing non ethical things rest assured their licence will not be aporove to operate. Who approve their licence it is the singapore gov. If you need help to renegiotate yr installment plan with LML i can give u the contact. But please do not let the interest rate run wild before you seek help

Could you share with me the contact to nego with LML? I managed to nego with 1 but the other 2 are not budging.

[cw3007]

25chic wrote:

Could you share with me the contact to nego with LML? I managed to nego with 1 but the other 2 are not budging.

Ok. I pm you

[25chic]

Khai82 wrote:

They come to my door i just smile and take the letter of demand.

Any idea what happens after the LML escalates to debt collector? How soon will they get in touch with you? Call first or straightaway appear at your house or office?

[25chic]

cw3007 wrote:

Concentrate on things what u can control now. Do not worry about things that u cant control n start worrying things that might not happen. Seek help asap and u will be suprise there r people waiting to help you to get out of your situation.

Thanks....you seems well-versed in this. Care to share what you’ve gone thru?

[25chic]

lesnar88 wrote:

Don't shake lol. This is just another tactic the AL checking back on all his debtors. To see who reply, who bites back. Just stay low profile, block the number, pass this info to your IO. Ask if can step up patrol. You need morale boasting, read the whole thread again or go YouTube listen those motivational videos.

Not only shake, even woke up from sleep after seeing O$P$. I think I need pyschiatric help soon. My IO is so quiet.....havent even contacted me. Am goin to NPP again today.

[Jjlin1205]

25chic wrote:

Not only shake, even woke up from sleep after seeing O$P$. I think I need pyschiatric help soon. My IO is so quiet.....havent even contacted me. Am goin to NPP again today.

Your io can't doing anything much unless act of harassment has been commit

[cw3007]

25chic wrote:

Thanks....you seems well-versed in this. Care to share what you’ve gone thru?

Personally i went thru one AL case. Out of ignorance i thot is lMl. I told them i do not want the $$$ and they bank in anyway. I told my wife immediately n next call police. For 1 week b4 i make the first payment i did not reply to them they start to get anxious calling me and hi here n there to see the watapps was block but i refuse to answer or reply becos the due date is not up. The more u want to talk to them the more they know u r scare so i play reverse physcology. After 1 week, they call me n i told them u just want money i send over. Ask them dont shout at me n i told them dont hide behind come n lim kopi with me. Ask me talk chinese i purposely talk hokkien. Once sent they still say i owe them but i block them immediately. Never heard from them anymore. The reason i returm them because that $$$ not belong to me. So after 1 payment i block. Dont feed them with yr hard earn money use it for yr family.It is a mind game.

[Khai82]

25chic wrote:

Any idea what happens after the LML escalates to debt collector? How soon will they get in touch with you? Call first or straightaway appear at your house or office?

Depends.If u totally off yr phone they will come on the date due itself or depends on yr relationship with them.

[Khai82]

25chic wrote:

Any idea what happens after the LML escalates to debt collector? How soon will they get in touch with you? Call first or straightaway appear at your house or office?

Dont be afraid of them.Instead just ignore the call.Make it a habit of any convo is other than verbal.Just drop them a text u a in financial trouble and unable to pay at the moment but still committed to make payment.If they come and surely they will, dont talk to the debt collector.Just take the letter of demand and smile.I suggest u seek help from available organisation to help u with this.It works for me.Till to the extend the LML itself ask me when i can pay.We have rules practice yr rights.

[25chic]

Jjlin1205 wrote:

Your io can't doing anything much unless act of harassment has been commit

True. Until something happen then they can investigate.

[Aphazel]

cw3007 wrote:

If you already facing installment plan issue with LML u better get help fast else yr interest will be running high. If arise 2care can help u quickly go. I have other source who can help u to negiotate with the LML.

Can pm me the organisation contact?

[Aphazel]

Just now received sms from the same hp number. Stating His company name and the loan amount they can offer. Got 2 version 1 in english the other in chinese.

[25chic]

Aphazel wrote:

Just now received sms from the same hp number. Stating His company name and the loan amount they can offer. Got 2 version 1 in english the other in chinese.

Yes, they will still try their luck to see if you’re in desperate need of cash and if you’re still contactable. Usually, they from same stall....thats why they will always promote on days you’re due to pay or when you stop paying.

[25chic]

Khai82 wrote:

Dont be afraid of them.Instead just ignore the call.Make it a habit of any convo is other than verbal.Just drop them a text u a in financial trouble and unable to pay at the moment but still committed to make payment.If they come and surely they will, dont talk to the debt collector.Just take the letter of demand and smile.I suggest u seek help from available organisation to help u with this.It works for me.Till to the extend the LML itself ask me when i can pay.We have rules practice yr rights.

Thanks, I’ve been texting 1 LML but no reply. They didnt chase too...and my strong instinct is they’re the ones who might have sold my number to UML. After I took from them, I started receiving AL adverts.

[cw3007]

Aphazel wrote:

Just now received sms from the same hp number. Stating His company name and the loan amount they can offer. Got 2 version 1 in english the other in chinese.

Ignore. If u check it is fake coy also. LML are not suppose to send by sms or text message. If u go to the lml website, u cannot find one. If do exist u can complsin to police n their licence will be in jeorpdize or fine