Chanced upon this thread and would like to share mine and get some opinions.
Yesterday wee morning I received a sms from this number 85351319. It is those usual money lenders' sms. I was feeling kinda down recently and the amounts and monthly payback kinda drew my attention on it. As I still on bank loans, I was looking at the 30k ($920 x 36 months). It stated that only contact the person by WhatsApp and ya, that's no ways to reply back in sms.
So just now at night, I decided to whatsapp him. I just wanna clear my loans once and for all at that point of what I thought. I will cut it short for the convo we had. I asked him how he got my number. He replied his company gave him those Singaporean numbers to call (suspect that he is a Malaysian and he sounded like one). His company is ssg credit (I tried to google but no such company). He asked for my details like my occupation, salary, IRAS etc. As I'm a freelancer in my work, I told him about that and that's no way I can prove to him of my income as my pay mostly in cash. So he asked for my IC and singpass. I did provide him. I didn't think too much as I did borrow from money lenders few years back ago and it pretty normal. After that, he asked for my home number, office number, my next of kin number and account number. I didn't provided him home and office numbers. I just told him I didn't have it. He asked for 2 of my kins numbers. I gave him false numbers lol. Then, he requested me to do video call for verification. I agreed and he called. I thought I would expect to see him but it a black screen. I guess he covered up the screen with something. He asked me to show my IC and placed it next to my face. Actually I was abit reluctant to do that but well, already on video call, just did it. He told me he will get back to me later in the noon. I msg him asking so will it have the chance to approve. He replied yes sure. They are agents and they require these documents for their company. He said will get back to me. We bid each other goodnight and that's it.
After my shower, I don't know why I was thinking about the whole situation. I did borrow from money lenders as I mentioned and so far so good. They borrowed the amount I wanted and I paid on time. No drama at all. This time, when I thought about it, are the whole thing for real? $920 x 36 months = $33,120. Which means, they only earn $3120 for 36 months for interest. Hmmmm, sure or not? Correct me if I'm wrong. The last time I borrowed 1k,I had to pay $250 x 5 weeks already. So I started to google about any stories of such money lenders til I found this thread. To be honest, I kinda worry. They haven't transferred any money yet and I did msg the guy informing him don't do anything yet til I confirm. If they are like my previous money lenders, I still won't be that worried as they were quite steady. 36 months are quite long way to go. Anything will happen in between too. What should I do now then? If I reject, will they do anything funny?
Yesterday wee morning I received a sms from this number 85351319. It is those usual money lenders' sms. I was feeling kinda down recently and the amounts and monthly payback kinda drew my attention on it. As I still on bank loans, I was looking at the 30k ($920 x 36 months). It stated that only contact the person by WhatsApp and ya, that's no ways to reply back in sms.
So just now at night, I decided to whatsapp him. I just wanna clear my loans once and for all at that point of what I thought. I will cut it short for the convo we had. I asked him how he got my number. He replied his company gave him those Singaporean numbers to call (suspect that he is a Malaysian and he sounded like one). His company is ssg credit (I tried to google but no such company). He asked for my details like my occupation, salary, IRAS etc. As I'm a freelancer in my work, I told him about that and that's no way I can prove to him of my income as my pay mostly in cash. So he asked for my IC and singpass. I did provide him. I didn't think too much as I did borrow from money lenders few years back ago and it pretty normal. After that, he asked for my home number, office number, my next of kin number and account number. I didn't provided him home and office numbers. I just told him I didn't have it. He asked for 2 of my kins numbers. I gave him false numbers lol. Then, he requested me to do video call for verification. I agreed and he called. I thought I would expect to see him but it a black screen. I guess he covered up the screen with something. He asked me to show my IC and placed it next to my face. Actually I was abit reluctant to do that but well, already on video call, just did it. He told me he will get back to me later in the noon. I msg him asking so will it have the chance to approve. He replied yes sure. They are agents and they require these documents for their company. He said will get back to me. We bid each other goodnight and that's it.
After my shower, I don't know why I was thinking about the whole situation. I did borrow from money lenders as I mentioned and so far so good. They borrowed the amount I wanted and I paid on time. No drama at all. This time, when I thought about it, are the whole thing for real? $920 x 36 months = $33,120. Which means, they only earn $3120 for 36 months for interest. Hmmmm, sure or not? Correct me if I'm wrong. The last time I borrowed 1k,I had to pay $250 x 5 weeks already. So I started to google about any stories of such money lenders til I found this thread. To be honest, I kinda worry. They haven't transferred any money yet and I did msg the guy informing him don't do anything yet til I confirm. If they are like my previous money lenders, I still won't be that worried as they were quite steady. 36 months are quite long way to go. Anything will happen in between too. What should I do now then? If I reject, will they do anything funny?