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Loan Shark Harassment and how to stop it

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Old 24-09-2018, 10:26 PM   #4276
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understood totally. what i was trying to ask was if u bought online.didnt know xiaomi sell it at their store.thanks!
No worries! I bought it from the store itself...
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Old 24-09-2018, 10:58 PM   #4277
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They have 1 store at suntec

No worries! I bought it from the store itself...
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Old 24-09-2018, 11:12 PM   #4278
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Sorry if this is a stupid question but I was just wondering – for the msian scammers, if you were to continuously make payments to their debtor accounts, surely among these accounts there would be one or two that actually belong to them? Otherwise how would they be able to get the money into their hands?

Aside from that, just want to thank everyone for their contributions to this thread. I feel that I should also provide my case for reference.

Having paid back at least 5x of the principal, this puts us quite high up their list of carrots and the scammers should now have quite a fair bit of profit to use for their jobs.

For now, we will be sticking to this gameplan:
1) Ghost them on all forms of communications
2) Installed CCTV to capture some evidence and also to convince SPF to pay more attention to our block
3) Ride out their harassments until they realize there’s no ROI

Would this be good or did I miss out anything else that should be done? Bank a/c has been closed. As for changing of phone numbers, I’m going to try forwarding all calls to a dead number first before we deem a change is necessary.
Hi All - just sharing here:

1. Never give out your details to anyone especially your NRIC, Singpass etc even if its just "enquiring" - especially online web or sms/whatsapp loan scheme.
They will entice u by saying installment plans for 1k loan or above to throw the "bait".
They will act professional as if they are licensced lenders but based on latest Moneylending act - Licensed Money lending cannot solicited or transact any business via phone, sms or any communication method. Must go through paper contract only.

2. If you are already "engaged" or made the wrong move to engage them, nvr surrender your bank account to them. Because once they have your bank account - it will look to SPF as if you are abetting them in opening bank account for money laundering and transfers. Based on experience - these AL never use their own bank accounts for repayments...its always some other borrowers bank account.
How they work is like this --> You request for loan - they "hunt" other pitiful borrowers for defer payment - then they ask them to transfer the so called repayment to your account(without u knowing) and when its your turn to repay - they try to find new borrowers (common phrase used by AL - wait i find account for u) for you to transfer your repayment to their account.
That's y its hard to trace their tracks as they have little footprint for police to nab them.

3. In order for them to be "successfull" in this trade, they use fear to intidimate you and force to keep up with the payment. The defer payments normally are monies which some pitiful borrowers who go and make new accounts for the money to be cash out and handed to them personally.(money mules)

4. UML and LML are using the same database. So if you are borrowing from LML, chances are u will receive calls from UML to so-call help u in your LML loans by getting unlicensed loans from them to pay off your LML. They work together so their business can thrive. Simple logic - Demand=business and to create demand - they need to create "opportunities" or "cash cows".

Therefore the only way to stop these suckers is only thru these :

1. Never engage into UML
2. If unknowingly got entangled : stop paying them & Do Not open accounts for them.(You are an offender in the eyes of law if you do this)
3. Report police - inform them on all the numbers and accounts you were given.
4. Install CCTV and turn on motion detectors.
5. close your bank account and change your mobile number
6. Inform your workplace, NOK or any other information that was previously given to the UML
7. Inform your neighbours to be on the alert - at this point no need for face. Thicken your skin so that we can stop these scums.
8. DO not fall into the trap to engage another LML or UML to pay off the old unlicensed loans...the cycle will not stop and the "hole" will just get bigger.
9. Take 1 step back and learn to relax. Majority of these UML operate overseas and they only engage runners to do their dirty work. With the CCTV - they can try to do th dirty work but at least you have captured the faces and got evidence. WIth that you can help our SPF guys to nab them.
10. Last but not least - STOP FUNDING CRIMINALS. By stopping any payment - you are cutting their lifeline and income source to engage runners or continue harrassing other people. If anyone keeps paying them - you are "actually" funding their dirty work.

No need to be stress of these muthafxxxxxs. All just talk but no balls.PErsonally if they dare come - i will give them one time jialat jialat one. then i report to police..lol.
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Old 24-09-2018, 11:13 PM   #4279
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Ya to be honest they will still be ard cos demand and supply. But Then objective is to create as much havoc as possible to their mode of operation.

I intend to create a telegram chat for this operation but will vett joiner to see if is sincere debtor and not al spy. And only those who f care them and not intend to pay them anymore are welcome to pm me. It will take time for me to vett and do my homework.

We can discuss on how to get back to them in the group chat. I will provide all tech support foc but trust is very impt here. I have a day job I don't wsnt to act kaypo here and affect my life. Hope u all understand

Sent from Samsung SM-G965F using GAGT
While i support the idea of a telegram group, i share your worry on spy or anyone who might be out to troll even thou they are not related to the al.

Good to share ideas but dont reveal much abt yourself except maybe the experience with them
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Old 24-09-2018, 11:15 PM   #4280
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While i support the idea of a telegram group, i share your worry on spy or anyone who might be out to troll even thou they are not related to the al.

Good to share ideas but dont reveal much abt yourself except maybe the experience with them
True to this...keep the conversation in this thread. For all u know, there may be "spies" viewing this thread to see what we will do. So like i said earlier - be careful with your personal information and do not anyhow give to anyone.
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Old 24-09-2018, 11:28 PM   #4281
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I just scam a loan shark of his money. I borrowed $700 2 weeks ago from him and have to return $1000 in one week times so last week I pay him $350 to defer and borrowed $700 more from him and he agreed. And when midnight on that day he transfer $300 for me and tell me take the money and rolling. I ****ed him up. I say he want play this then ok I understand already. And today I did not pay him a single cent. Total amount I earned from him is $1350. And now I prepare for his runner to come my house. When he transfer $300 more to my account I know I will never able to clear him one because even if I pay him then he will transfer again. So the best way is not pay him back anymore. Seriously I think if everyone who owe them money can stop paying them then I think they will closed now soon because for what I know they only got one big boss who control this moneylending. So I hope one day all borrower can be brave and stop paying them. And they will not have enough money to even hired a runner to come our house. If they do come splash paint then call Town council to send 2 worker to help us clean and pay them $50. They can even help us to clean our window.
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Old 24-09-2018, 11:33 PM   #4282
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Well done.
I kanna once a 750 n refuse me to clear n close acc n he auto try 750 so I enjoy his 750x2...
Made this bugged kanna fr his boss big time.



I just scam a loan shark of his money. I borrowed $700 2 weeks ago from him and have to return $1000 in one week times so last week I pay him $350 to defer and borrowed $700 more from him and he agreed. And when midnight on that day he transfer $300 for me and tell me take the money and rolling. I ****ed him up. I say he want play this then ok I understand already. And today I did not pay him a single cent. Total amount I earned from him is $1350. And now I prepare for his runner to come my house. When he transfer $300 more to my account I know I will never able to clear him one because even if I pay him then he will transfer again. So the best way is not pay him back anymore. Seriously I think if everyone who owe them money can stop paying them then I think they will closed now soon because for what I know they only got one big boss who control this moneylending. So I hope one day all borrower can be brave and stop paying them. And they will not have enough money to even hired a runner to come our house. If they do come splash paint then call Town council to send 2 worker to help us clean and pay them $50. They can even help us to clean our window.
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Old 24-09-2018, 11:34 PM   #4283
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Pt well received. Argeed.

True to this...keep the conversation in this thread. For all u know, there may be "spies" viewing this thread to see what we will do. So like i said earlier - be careful with your personal information and do not anyhow give to anyone.
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Old 25-09-2018, 12:17 AM   #4284
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Well done.
I kanna once a 750 n refuse me to clear n close acc n he auto try 750 so I enjoy his 750x2...
Made this bugged kanna fr his boss big time.
I regret never ask for more loan before i run... use their money in a good way. Now thinking back i should take more loan before i run them... too late they already blacklist me
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Old 25-09-2018, 08:21 AM   #4285
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I just scam a loan shark of his money. I borrowed $700 2 weeks ago from him and have to return $1000 in one week times so last week I pay him $350 to defer and borrowed $700 more from him and he agreed. And when midnight on that day he transfer $300 for me and tell me take the money and rolling. I ****ed him up. I say he want play this then ok I understand already. And today I did not pay him a single cent. Total amount I earned from him is $1350. And now I prepare for his runner to come my house. When he transfer $300 more to my account I know I will never able to clear him one because even if I pay him then he will transfer again. So the best way is not pay him back anymore. Seriously I think if everyone who owe them money can stop paying them then I think they will closed now soon because for what I know they only got one big boss who control this moneylending. So I hope one day all borrower can be brave and stop paying them. And they will not have enough money to even hired a runner to come our house. If they do come splash paint then call Town council to send 2 worker to help us clean and pay them $50. They can even help us to clean our window.
So did I never paid fck them and a few friends now getting their loans and all never intended to repay it's been two months for some and one took total 3k and kena locked once call police and life as usual for all of us . My door is always opened and if their runner wanna be funny I'll swiped their bloody knees . We don't install CCTV even dummy ones because we don't want others to kena . **** a l
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Old 25-09-2018, 09:22 AM   #4286
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I just scam a loan shark of his money. I borrowed $700 2 weeks ago from him and have to return $1000 in one week times so last week I pay him $350 to defer and borrowed $700 more from him and he agreed. And when midnight on that day he transfer $300 for me and tell me take the money and rolling. I ****ed him up. I say he want play this then ok I understand already. And today I did not pay him a single cent. Total amount I earned from him is $1350. And now I prepare for his runner to come my house. When he transfer $300 more to my account I know I will never able to clear him one because even if I pay him then he will transfer again. So the best way is not pay him back anymore. Seriously I think if everyone who owe them money can stop paying them then I think they will closed now soon because for what I know they only got one big boss who control this moneylending. So I hope one day all borrower can be brave and stop paying them. And they will not have enough money to even hired a runner to come our house. If they do come splash paint then call Town council to send 2 worker to help us clean and pay them $50. They can even help us to clean our window.

Spot on ! Actually we all should do that and advice others to do the same . No point really my bedok flat now several enjoying free money knn if I know also I take 5 sia . Criminals and their boss earned hell alot of money anyways and the ones calling also earned their money No such thing as they received monthly they are part of the criminal group and the runners that come to your places are all debtors and people earning small money but if caught will get the worse caning and such . Today my 4 room flat got Reno kitchen so will not be home for two days neighbour will keep an eye .
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Old 25-09-2018, 09:33 AM   #4287
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Hi All - just sharing here:

1. Never give out your details to anyone especially your NRIC, Singpass etc even if its just "enquiring" - especially online web or sms/whatsapp loan scheme.
They will entice u by saying installment plans for 1k loan or above to throw the "bait".
They will act professional as if they are licensced lenders but based on latest Moneylending act - Licensed Money lending cannot solicited or transact any business via phone, sms or any communication method. Must go through paper contract only.

2. If you are already "engaged" or made the wrong move to engage them, nvr surrender your bank account to them. Because once they have your bank account - it will look to SPF as if you are abetting them in opening bank account for money laundering and transfers. Based on experience - these AL never use their own bank accounts for repayments...its always some other borrowers bank account.
How they work is like this --> You request for loan - they "hunt" other pitiful borrowers for defer payment - then they ask them to transfer the so called repayment to your account(without u knowing) and when its your turn to repay - they try to find new borrowers (common phrase used by AL - wait i find account for u) for you to transfer your repayment to their account.
That's y its hard to trace their tracks as they have little footprint for police to nab them.

3. In order for them to be "successfull" in this trade, they use fear to intidimate you and force to keep up with the payment. The defer payments normally are monies which some pitiful borrowers who go and make new accounts for the money to be cash out and handed to them personally.(money mules)

4. UML and LML are using the same database. So if you are borrowing from LML, chances are u will receive calls from UML to so-call help u in your LML loans by getting unlicensed loans from them to pay off your LML. They work together so their business can thrive. Simple logic - Demand=business and to create demand - they need to create "opportunities" or "cash cows".

Therefore the only way to stop these suckers is only thru these :

1. Never engage into UML
2. If unknowingly got entangled : stop paying them & Do Not open accounts for them.(You are an offender in the eyes of law if you do this)
3. Report police - inform them on all the numbers and accounts you were given.
4. Install CCTV and turn on motion detectors.
5. close your bank account and change your mobile number
6. Inform your workplace, NOK or any other information that was previously given to the UML
7. Inform your neighbours to be on the alert - at this point no need for face. Thicken your skin so that we can stop these scums.
8. DO not fall into the trap to engage another LML or UML to pay off the old unlicensed loans...the cycle will not stop and the "hole" will just get bigger.
9. Take 1 step back and learn to relax. Majority of these UML operate overseas and they only engage runners to do their dirty work. With the CCTV - they can try to do th dirty work but at least you have captured the faces and got evidence. WIth that you can help our SPF guys to nab them.
10. Last but not least - STOP FUNDING CRIMINALS. By stopping any payment - you are cutting their lifeline and income source to engage runners or continue harrassing other people. If anyone keeps paying them - you are "actually" funding their dirty work.

No need to be stress of these muthafxxxxxs. All just talk but no balls.PErsonally if they dare come - i will give them one time jialat jialat one. then i report to police..lol.
100 percent correct ! And agreed
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Old 25-09-2018, 10:10 AM   #4288
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Yes.. 100%
Don't b their accomplice heading for another **** where u r in...



100 percent correct ! And agreed
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Old 25-09-2018, 11:16 AM   #4289
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As much as I agreed on to stop paying those Loansharks. Still, not advisable to just take loans to put your family or work in jeopardy. No one enjoy living a life with threats and unsettled minds. Just treat it as lesson and don’t ever touch those again.

No point really to think about how regretfully you never take extra loan from those AL.
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Old 25-09-2018, 11:19 AM   #4290
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You can’t guarantee that they will come within these days. If they want to come, they will come anytime. Your neighbour can guarantee to stay up all night to help you watch?

Spot on ! Actually we all should do that and advice others to do the same . No point really my bedok flat now several enjoying free money knn if I know also I take 5 sia . Criminals and their boss earned hell alot of money anyways and the ones calling also earned their money No such thing as they received monthly they are part of the criminal group and the runners that come to your places are all debtors and people earning small money but if caught will get the worse caning and such . Today my 4 room flat got Reno kitchen so will not be home for two days neighbour will keep an eye .
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