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Loan Shark Harassment and how to stop it

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Old 26-09-2018, 07:43 PM   #4471
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then the nice AL ask you run one got play pattern not? hahahah.
The nicer ah long is a Singaporean. He say why support malaysian one. He ask me to take from him but must return before the Malaysian ah long due dates is he only give me 4 days time. Take 500 and return 800 in 4 days time which make me think he is more worse. Ignore him and block his number after that. That what happen 2 weeks ago. Now what I do is ignore all ah long.
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Old 26-09-2018, 07:44 PM   #4472
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Lol.... local one more worry

The nicer ah long is a Singaporean. He say why support malaysian one. He ask me to take from him but must return before the Malaysian ah long due dates is he only give me 4 days time. Take 500 and return 800 in 4 days time which make me think he is more worse. Ignore him and block his number after that. That what happen 2 weeks ago. Now what I do is ignore all ah long.
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Old 26-09-2018, 07:50 PM   #4473
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Lol.... local one more worry
Actually all ah long is same. Anyone have ah long that decide not to earn your money and let you return what you can?
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Old 26-09-2018, 08:02 PM   #4474
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Guys , so I just receive my letter of demand from my LML . I loaned on July . Paid a payment on Aug . Then paid 200 instead of 350 on Sept . But on the letter they put my loan amount as still the same as the start and date of default ay August . Which I clearly paid .

Any advice on what I can do ? Or issit meant to be written like that ?
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Old 26-09-2018, 08:16 PM   #4475
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Guys , so I just receive my letter of demand from my LML . I loaned on July . Paid a payment on Aug . Then paid 200 instead of 350 on Sept . But on the letter they put my loan amount as still the same as the start and date of default ay August . Which I clearly paid .

Any advice on what I can do ? Or issit meant to be written like that ?
Legal ? WhatsApp them or call first they will explained to you or go to the office they have to abide by the law as you. Small amount I'm sure can settle bro
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Old 26-09-2018, 08:22 PM   #4476
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Legal ? WhatsApp them or call first they will explained to you or go to the office they have to abide by the law as you. Small amount I'm sure can settle bro
Tried talking to them alr . At first told them that I cant pay this month payment , asked if there's any other way they can help me on this . They say no and I have to at least pay 200 . Pocket left less then hundred but manage to find the remaining till 200 . Transferred them then 2 days later they ask me for the balance 150 . Told me I misunderstood them . Is 200 pay them first then use that 1 day to find 150 lol . They told me no choice tell me to try harder to find lol . So Ignore them till now only reply thier text as I block unknown call . Today send letter with "false info" requesting for demand ??

Not sure if false or its meant to be .
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Old 26-09-2018, 08:23 PM   #4477
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Legal ? WhatsApp them or call first they will explained to you or go to the office they have to abide by the law as you. Small amount I'm sure can settle bro
Tomorrow will call them and see what they say . Cfm still ask for money as it's "only" 150 as they said ..
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Old 26-09-2018, 08:27 PM   #4478
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The nicer ah long is a Singaporean. He say why support malaysian one. He ask me to take from him but must return before the Malaysian ah long due dates is he only give me 4 days time. Take 500 and return 800 in 4 days time which make me think he is more worse. Ignore him and block his number after that. That what happen 2 weeks ago. Now what I do is ignore all ah long.
There is no nicer one . Both are actually the same Singapore / Malaysian syndicate and they have investors . The real Singapore ones you have to meet them and must have referrals or their kaki lang and usually they will give big amounts for businesses etc and they will swee with you if you Swee return. The real Singapore ones are not stupid to play in SG via WhatsApp etc they might invest in Malaysia tho because if you're based here your chances are super high to be caught sooner or later .

The WhatsApp or calls and no meet ups are all the same Ah Long the white collars mix with streets and operate behinds the laptops online or phones . Their runners are all debtors SG youths and even foreign workers . And if you owed them and managed to pay and close and they don't bother ? Quickly closed bank account and phone number so they can't offer you anymore or prank you .

If you still owed them and genuinely can't pay up means you'll be indebted forever so quickly make a police report , close bank account change number DONT REPEAT MISTAKES and follow police instructions and co operate if you been harrased . They may or may not harrased you if your debt is below 2 k unless they know you're timid or can squeezed or father rich etc . But anything five thousand especially 5 k principal amount and above haven't cleared that's where they will really do it .

That's why there's many debtors who default with AL with less than 2 k don't see any issues in their flats but nervous for two months or or and even if it happens it's a scribble on the walls . But if you owe 4-5 k and even worse 10 k above you'll see they will invest in runners ( debtors themselves) and harrased you twice or more .

Some workers would even call you again despite your bar records in the past because as far as these workers on the phone is concern it's a job and it's not their money to begin with . They need to eat and greed has no boundaries .

If you owe them 2 k or less ? Your chance is 50 - 50 or even never . But don't sueh if your block or area happen to have a few debtors who ran off they might harrased you also since they can utilise their lanjio runners . They are not that stupid they also use mathematics to apply their strategy haha .

Last edited by lonewolf909; 26-09-2018 at 08:31 PM..
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Old 26-09-2018, 08:33 PM   #4479
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Tried talking to them alr . At first told them that I cant pay this month payment , asked if there's any other way they can help me on this . They say no and I have to at least pay 200 . Pocket left less then hundred but manage to find the remaining till 200 . Transferred them then 2 days later they ask me for the balance 150 . Told me I misunderstood them . Is 200 pay them first then use that 1 day to find 150 lol . They told me no choice tell me to try harder to find lol . So Ignore them till now only reply thier text as I block unknown call . Today send letter with "false info" requesting for demand ??

Not sure if false or its meant to be .
Keep all your conversation with them and your receipt . If you're right and your counting all Swee tell them you'll make a report . Or better still go the office and demand to see their manager . She or he is the one sitting inside the office which you'll never see .

May I asked after you took Legal money lender did you received any Ah long WhatsApp ? Promoting their shop or loan companies ?
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Old 26-09-2018, 08:44 PM   #4480
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Keep all your conversation with them and your receipt . If you're right and your counting all Swee tell them you'll make a report . Or better still go the office and demand to see their manager . She or he is the one sitting inside the office which you'll never see .

May I asked after you took Legal money lender did you received any Ah long WhatsApp ? Promoting their shop or loan companies ?
Okay bro will do thanks

I'm not so sure about that as I never really take notice cause quite alot of spam advertisement on that period .
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Old 26-09-2018, 09:07 PM   #4481
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How to do it?
How much u owe bro...?
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Old 26-09-2018, 09:15 PM   #4482
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at 2+am a 'new' AL only send me $800 pay 1.1k, want clear must inform one day in advance like that only. never even say when must return, idiots really.
Haha so Chao kuan one...
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Old 26-09-2018, 09:32 PM   #4483
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Went one lml apply 6k , say want 8~10 instalment as told in phone conversation they said hv subject to approval ,chk here and there call my friends and ask me me manager number want to call , i almost fed up raise voice say take back ic no need borrow ,then change another higher rank officer attend me say ok ,nevermind just see thru my phone working whatsap ,then smiling face say the manager approved my loan 4k pay 5 months ,like want to congrat me ,monthly 10xx for 5 months ,i was shock the way they calculate, according the laws monthly 4% and in reducing basis ,how they count it? I turn down say consider first then manager came out keep persuade me to take the 4k then go other shop take 2k ? What the fu*k,i asked to take back ic and walk away , lucky the manager still very nice no rude.
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Old 26-09-2018, 09:38 PM   #4484
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I have.
They both r linked.
I cleared 1 L ml n few days receive UML ads...
I lodged a complaint to ROM....

Keep all your conversation with them and your receipt . If you're right and your counting all Swee tell them you'll make a report . Or better still go the office and demand to see their manager . She or he is the one sitting inside the office which you'll never see .

May I asked after you took Legal money lender did you received any Ah long WhatsApp ? Promoting their shop or loan companies ?
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Old 26-09-2018, 10:11 PM   #4485
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Went one lml apply 6k , say want 8~10 instalment as told in phone conversation they said hv subject to approval ,chk here and there call my friends and ask me me manager number want to call , i almost fed up raise voice say take back ic no need borrow ,then change another higher rank officer attend me say ok ,nevermind just see thru my phone working whatsap ,then smiling face say the manager approved my loan 4k pay 5 months ,like want to congrat me ,monthly 10xx for 5 months ,i was shock the way they calculate, according the laws monthly 4% and in reducing basis ,how they count it? I turn down say consider first then manager came out keep persuade me to take the 4k then go other shop take 2k ? What the fu*k,i asked to take back ic and walk away , lucky the manager still very nice no rude.
If i will calculate in this way, anyone hv idea is this correct , 1st month 4k x 4% =160 ,2nd month 3200 x4%=128 ,3rd 2400x4%=96 ,4th 1600x4%=64 ,5th 800x 4%=32 , so total interest 160+132+96+64+32=480 ,principal 4000+480 divide by 5 , how to be 10xx per month for 5 months ,anyone know?
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