We can't never know which one they are.
I not really understand mush about all of tape you mentioned, need to read more and more. My luck brig me come to this... Blem on myself so stupid.
Personal opinion uh. So dont bash me if you have different thinking.
2 TYPES OF MONEY LENDERS
1- Licensed money lender (everything black and white. May create problem only if you're unable to pay them back on time)
2- Unlicesed money lender ( there are 2 types of UML. First, the true LS. Loan from them, pay them back with whatever interest that you have agreed on and end of story. Dont pay them, and they will make your life f*cking miserable. Second, LS scammers. Never loan from them, but will transfer you an amount without your consent. Known to many as forced loan/trial loan. Will tell you to pay them the capital amount + deferment fee. Eg, transfer you $600 + $350 (defer fee). Some will allow you to clear the week after. Thise scammers, will tell you things like company policy, must defer 5-20times, or if want to clear account must inform in advanced, no account to let us clear and thousand and one other reasons that they can think of. You will pay the deferment fee till you are down to your last cent. And the deferement fee can be ALOT more than the initial loan. Some even cleared theie account, meaning paid the initial loan plus deferment but is still being harassed. Some run from them cause paid soo much LS still dont allow to clear account. Either way this f*ckers LS will harassed and extort your money till you yourself put a stop to it. Hard earn money but everything pay to LS? Paid soo much still harass? So dont pay them cause you may be consider as an accomplice by the police. Be firm, fight for your rights, your hard earn money.
Moral of the story is, most of us had of fair share of stories from both sides. I think most of us will agree if I said try to avoid both lenders and stay as far far away from them possible. Most of us made the mistake, we learn it the hard way. Move one and start a fresh. Repent and never do it again. Cause the cycle will never end if we dont put a stop to it.
Try not to loan, especially dont loan from 1 place to cover the loan of another place. You are digging your own grave. Its not easy at the initial part, very stressful and will drain you out mentally, physically and emotionally. Just remember to NEVER GIVE IN TO THEIR DEMANDS, NEVER! These LS will feed on our fear, so be firm and fight against them. Things will get better eventually, just have a little bit of faith!