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Loan Shark Harassment and how to stop it

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Old 02-11-2018, 08:40 AM   #5611
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I thought I told you that time when got splashed. Donít waste time already. But again, itís up to you. Town council might take some time as well.
Yes aldy install at my door , town council say so long is within the door frame dun need permit .
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Old 02-11-2018, 08:46 AM   #5612
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Bro do they actually help solves the problem?
They will ask you for $250 for 1 AL u ask them to handle , i contacted them too
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Old 02-11-2018, 08:50 AM   #5613
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The Anti Lonsharks group on Facebook more like a scam. Be it they caught runner before or not, seriously not all AL will send runner. And is there any point in paying $250/AL to this useless group?

Rather you all save the money and start a proper saving.

They will ask you for $250 for 1 AL u ask them to handle , i contacted them too
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Old 02-11-2018, 08:58 AM   #5614
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What I heard about BGSS, yes they might help to call the AL. But with conditions apply. You will need to attend their weekly meet-ups and also to convert to Christian. I just read someone mentioned paying $300. But not sure how true is that.

To me, the thread here is more useful and helpful. Itís free. All those handling are just third party helping you. The only one who can help is none other than yourself.
To clarify your points: Same like most social service group, BGSS don't negotiate with ULM, they only negotiate with LML.Their support group and counsellors will help victims of UML to deal with UML and also family issues due to this.
They do not charge you anything, i.e. it is a free service as they are social service status supported by MINISTRY OF SOCIAL SERVICE.
Yes, BGSS will request victim to attend their social service gathering where victims meet ex-victims and listen to live testimonial on overcoming UML and debts issues. Whenever the UML strikes, the support group will be there to help victims through this.
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Old 02-11-2018, 09:16 AM   #5615
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many people have the same fear as what i have last time. "I've children in my house and this made me so afraid if they really come up my house" i used to think of that too. but now after all the **** i gone thru think back to get runner to so call kidnap children or cause harm to children is totally different game than splash paint on door or lock house. how much the AL willing to pay those runner do such things our children. in malaysia i can say maybe have lucky we are in sg chances is almost 0. i understand now is the worse time of your life but we have to brace up not think of stuff and make our self scared.

Hi all,been feeding these sharks for a period of time and yes I was dumb enuf to believe on a so called test payment before they can loan me a sum for monthly payment. I'm owing LML so when I got this text from this UML that claims to be licensed and even can provide me his company license number and name I stupidly trusted him. After one week I paid him the amount and he say must take a second test payment to be a regular then can apply for monthly loan. LML is also giving pressure since it's already overdue and out of stress I took the loan again. From then,many UML started to text me offering loans and this start my journey of borrowing to return one another until it became 15k from a 750 loan.

To be honest,I'm already stuck in this situation and I know if I wanna pay the upcoming UML which is this Saturday I've to take up another loan just to defer the payment. But everyday I've to worry about the defer fee cos I've got no money to clear it once and for all. Upon chancing this thread I really wanna just stop paying and change my number. But they have my IC photos and even screenshots of my CPF. I've children in my house and this made me so afraid if they really come up my house which I guess they will since amount is huge. Undergoing this mental stress and even worrying if I run what will happen. Everyday is living in hell for me. But I'm really at my wits end....
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Old 02-11-2018, 09:18 AM   #5616
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250 can eat many days in this tough times

The Anti Lonsharks group on Facebook more like a scam. Be it they caught runner before or not, seriously not all AL will send runner. And is there any point in paying $250/AL to this useless group?

Rather you all save the money and start a proper saving.
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Old 02-11-2018, 09:52 AM   #5617
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According to one of my friend who seek help from BGSS, a particular pastor Richard attended to him. At first they helped and until Pastor Richard keep pestering him and asked him when he want to convert to Christian. When my friend said his family Buddhist, Pastor Richard called all the LML which he negotiated that deals are off and BGSS no longer assisting him. So that’s why I said if they want to help then be goodwill and no t&c apply.

To clarify your points: Same like most social service group, BGSS don't negotiate with ULM, they only negotiate with LML.Their support group and counsellors will help victims of UML to deal with UML and also family issues due to this.
They do not charge you anything, i.e. it is a free service as they are social service status supported by MINISTRY OF SOCIAL SERVICE.
Yes, BGSS will request victim to attend their social service gathering where victims meet ex-victims and listen to live testimonial on overcoming UML and debts issues. Whenever the UML strikes, the support group will be there to help victims through this.
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Old 02-11-2018, 09:53 AM   #5618
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The Facebook Anti Loansharks group really no use one. No money no talk. That’s why no need to seek help from them. People already in financial problems. How to find $$$ to put them for assistance?

We don’t charge here. Here are all free advices.

250 can eat many days in this tough times
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Old 02-11-2018, 10:59 AM   #5619
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According to one of my friend who seek help from BGSS, a particular pastor Richard attended to him. At first they helped and until Pastor Richard keep pestering him and asked him when he want to convert to Christian. When my friend said his family Buddhist, Pastor Richard called all the LML which he negotiated that deals are off and BGSS no longer assisting him. So thatís why I said if they want to help then be goodwill and no t&c apply.
Knn..wah like that meh..Jesus will be disappointed with his pastor lo
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Old 02-11-2018, 11:00 AM   #5620
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Hopefully I can make it thru.i do know it's actually our own fear stopping us from moving on but just can't help it. Anyway will they actually show up at my workplace which is retail?
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Old 02-11-2018, 11:00 AM   #5621
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many people have the same fear as what i have last time. "I've children in my house and this made me so afraid if they really come up my house" i used to think of that too. but now after all the **** i gone thru think back to get runner to so call kidnap children or cause harm to children is totally different game than splash paint on door or lock house. how much the AL willing to pay those runner do such things our children. in malaysia i can say maybe have lucky we are in sg chances is almost 0. i understand now is the worse time of your life but we have to brace up not think of stuff and make our self scared.
Time to wake up. U can tahan every keep paying 2k deffered fee ant..
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Old 02-11-2018, 11:11 AM   #5622
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Knn..wah like that meh..Jesus will be disappointed with his pastor lo
I prefer to find out myself rather than listening to "friend here friend there". Hence i did a search on BGSS website and its church website, no pastor by the name on Richard. I called BGSS to look for Pastor Richard, there is no pastor richard. So either your friend has gone to wrong social service group or making unfounded statement.
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Old 02-11-2018, 12:24 PM   #5623
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Diff between drs n pte settlement

Ptely they can charge double of what u owe, repayment can stretch up to 12 or 18 mths (with the help of debt counselling)

Bgss once see more than 10k, drs is their solution. I guess because whatever installment they make, u might not be able to settle monthly cause amt is prob half or more of ur salary. Then it doesnt make sense if u default.with drs, it stretch over 5 yrs and based on what u owe only. Price for drs is credit bureau chui max even when u pay up.

My friend's case is slightly below 10k.. Bgss helped him call lml. Its been almost 2 yrs. His paid up all, even with a 2x, it didn't hurt his credit bureau, neither did he have to find 2k plus to file bankruptcy.

He endured forking out half or more of his salary at first then slowly it reduced.

Go church yes, u will see many people sharing their stories n u will realize u r not alone.
Convert... Hmm.. No force one. He gradually didnt attend coz its too far for him.

Benefit of doubt, they r really too bz to be more attentive to u.

Jus be responsible to keep to ur repayments.

My thoughts:
Try go for private installments via bgss. Although more costly, but endure a bit. U keep ur credit bureau healthy.

Drs really not fun at all. Recommended for people with a huge huge amt of debt. Then worth the effort.

What i should have done was to throw away uml n focus to clear drs. I thought i can clear uml ma.. Rubbish, they wont let u go.. The ball so big..

But if i had a choice, i will just x2 the debt n clear lor.. If i did, now i settle liao..hai


Bottom line: cannot clear uml finish de la. Ping pong ball roll until basketball.
I see the money i paid over past yr.. Totally wake up already

Hope this helped our bro n sis to make a decision.

Dont pm me.. I cant decide for any of u. Dont ask me further, i can only share until like this. Anything jus call bgss

Bgss did changed my friend life.

I wish i learnt more to plead them to arrange pte settlement for me instead.. Not their fault, they did suggest whats best for me at that point. Im still thankful i had their support last time.
I agree try to seek help from volunteer group nothing wrong with small donation..I've ever checked with 1 group.. They'll help u..usually the small loan below 500 they'll ask you to clear on your own those above 500 then they'll hold it up till u clear the small ones.. Max they can hold up is 1 month for you to clear small loan.. For loanshark these volunteer have contacts.. They don't suka2 take any volunteers for negotiator.. So most negotiators have background n know their contacts well.. No harm trying since we r pushed to the edge..
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Old 02-11-2018, 12:43 PM   #5624
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Ok la guys.
Clear ur doubts.
I went to bgss to complete my drs

$300 - yes, admin fee. They go thru simple paper work. End of the day u r the one doing all the leg work n attend to all the registration.

They will not help u with uml. Even lml they will get u to endure n ignore them first. Harassment frm both are borne by u.

I went thru hell, literally begging my IO to quick get everything sorted.

Until i sent a mass msg to all lml that i am gg thru drs, and they can do they duty to serve me demand letter but i will hold my rights if they cause nuisance at my work place and home.

One or 2 didnt listen, i recorded their convo n text n lodge complain to min of money lender. Harassment stopped.

The better ones will ask u pte nego but pls dont do that. Once u do tat, io will not be able to help u.

Drs process take abt 2 or 4 mths cause u need to file bankruptcy file, then u will recd a letter of appeal for drs. Then submit proof of everything to even ur telco bills to ur friend debt, mother debt, uncle debt. (whoever u owe)

Must wait for lml to file their debt. They have to pay to file against u which some didnt because it is a hassle to them.

Then 2 appts before u r under drs. Before that, back n forth many govt offices

Repayment is really affordable.

Thereafter, lml will face io and not u. U will face the io.

Lml need to upkeep their license. So they will follow suit.

U can travel n live like a normal citizen but forget abt future loans.
I agree nothing is walk in the park everything comes with a price..For LML just tell them u have volunteer to help usually they'll stop harassment or sending DC.. The hassle of DRS is not ezy.. 2-4 months window.. These DC can still disturb u
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Old 02-11-2018, 12:52 PM   #5625
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Yup, i was tight up with uml and i couldnt afford to pay my drs even. I didnt even come to senses n keep paying uml. Damn stupid of me.

Drs tio revoked.

I went to call all the lml n said i wanna settle ptely. U can get all the reports frm mlcb website to know the amt owe to all of them.

And yup, i dropped uml n pay lml now. It sounds more realistic right? It will clear my credit bureau n legal debts. I should have done it long ago n set myself free.

So guys.. Pls dont pay uml anymore. Take the money n clear ur lml, clear ur credit bureau nd start afresh in years time.
Bro u did Wats the best visible options for you during that time.. No bad at least u managed to nego with all your creditors..
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