[Adt007]

One classic example of a naive debtor who thinks he can compromise with the UML


Naive debtor : Eh... look i already pay you $1000 already. You already earn $200 from me. We are good ok ?

Ah Long : huh ? The $200 no count, you have to pay another 4 more weeks of $200

Naive debtor : Wah lau dont like that lah, ok i pay u another $200 ok ? You good i good

Ah Long : Haha .... NO !

Naive debtor : If no then i call police and you wont even get a single cent from me !!!

Ah Long : Wahahahahahaha ...... ok. you call lor. tomorrow i dont see the $200 i send ppl up to your house !

Naive debtor : ok how about this, one short settle all $400 ?

Ah Long : Hmmm... ok $400 tonight then we good.

Naive debtor : swee, u steady i steady

Naive debtor transferred $400

One week later, naive debtor receive phone call from ah long

Ah Long : eh, where my $200 ?

Naive debtor : what ? i thought we last week settle all liao ?

Ah Long : settle your head lah, last week is for the interest only. today u must pay $200.

Naive debtor : i call police

Ah long : woooooo... ok.. i very scare... urine in pants liao.

[mbt2015]

Sidetrack a bit. Can a person borrow from loan shark using his passport or driving license? I wonder whether confiscating a person's IC is good enough to stop him from borrowing from a loan shark.

[qhong61]

mbt2015 wrote:

Sidetrack a bit. Can a person borrow from loan shark using his passport or driving license? I wonder whether confiscating a person's IC is good enough to stop him from borrowing from a loan shark.

Need to have the address so that they will know where to go and throw paint or set fire.

[mbt2015]

qhong61 wrote:

Need to have the address so that they will know where to go and throw paint or set fire.

What stop the Ah long from getting his address verbally or see his IC photocopy? Anyone had advice what can be done to stop someone from loaning from Ah Long?

I am trying to prevent someone's house from gonna throw paint or set fire. He also explored all money sources and Ah Long is next.

[Adt007]

mbt2015 wrote:

Sidetrack a bit. Can a person borrow from loan shark using his passport or driving license? I wonder whether confiscating a person's IC is good enough to stop him from borrowing from a loan shark.

No. Nowadays UML see your singpass. IC alone also not enough.

With singpass, they can access into HDB , CPF, NS Portal websites where they can see all your particulars and also NOK

[Adt007]

mbt2015 wrote:

Anyone had advice what can be done to stop someone from loaning from Ah Long?

Hmmm... quite difficult.

Take away his bank account ? But then he may ask the ah long to transfer to his friend account.

Take away his Singpass ? This may be more effective. Without Singpass, most ah long wont lend.

[mbt2015]

Adt007 wrote:

Take away his Singpass ? This may be more effective. Without Singpass, most ah long wont lend.

I may have to resort to this. He has no sign of turning back. I suppose this is the last life line that I can hold him on.

I appreciate all advice given.

[Adt007]

mbt2015 wrote:

I may have to resort to this. He has no sign of turning back. I suppose this is the last life line that I can hold him on.

I appreciate all advice given.

I dont know if there are any old fashion ah long who still go via the physical verifying of IC. But dont think so ..... using Singpass is the easiest and fastest and confirm way of verification. So ya, take away his Singpass password or OTP.

Also if he is working, you need to go to https://www.moneylenders.sg/public-protection.php and apply for a DNL (Do Not Lend) for your friend in case he go and approach those licensed money lender

Even though you have taken measures to prevent him from lending from those UML or ML, when a man is desperate for money, he will find many ways to get "fast cash".

Example :

Signing of telco lines and then get the subsides phones and sell them away.

Applying credit cards and temporary increase credit limits.

Pawn his jewellery, rolex, sell his iphone X

Borrow from friends and relatives

Involved in illegal activities

Scam online strangers

**Writing from experience. Been there, done that.**

[mbt2015]

Thanks for the link, I will have to do that.

He already tried cash line (not once), steal valuables, borrow from friends, misappropriate company fund...He is doing more darling things by the day. Ah Long is the easiest compare to some of those he has not done in your list. So I am more worried about UML.

[Adt007]

mbt2015 wrote:

Thanks for the link, I will have to do that.

He already tried cash line (not once), steal valuables, borrow from friends, misappropriate company fund...He is doing more darling things by the day. Ah Long is the easiest compare to some of those he has not done in your list. So I am more worried about UML.

The only way for you to help him is to find the root and destroy it.

It is either gambling or girl or both.

Good luck.

[mbt2015]

Gambling.

Destroying the addict is an up-hill task. Only his will can do it. For now, I can only control his finance and stop him from going down further.

[Adt007]

mbt2015 wrote:

Gambling.

Destroying the addict is an up-hill task. Only his will can do it. For now, I can only control his finance and stop him from going down further.

you can control his finance ? wow you are either his son or father or wife ?

[Jjlin1205]

Sgsons wrote:

I setup this thread regarding Loanshark harassment. I, myself is not a debtor however to be frank someone in my family does.

I hope to gather more users and people to voice out. The Police are doing a lot to curb this problem. However we must face the fact that this problem had been there for decades. Have faith and trust in our system. It is very hard to eliminate the network, nevertheless if every citizen does their part in cooperating; it is must easier to get to the network.

This is how you can help. If any of your family members owe loan shark money, tell them not to pay up a single cent. Tell them to call the Police Hotline number 1800 225 0000 to transfer you to the relevant department. In which there is a specific department in the West that handle Loan Shark Cases.

In the event that you are the debtor, please refrain from helping the loanshark or fall into their trap to help them in their illegal activities. They will ask you for personal details. E.g. Singpass, ATM card or even ask you to help them distribute brochures or transfer money.

Don’t fall prey to become a target by the loanshark syndicate. In the event that you can’t make payment they will ask you to work for them to pay off your debts. Don’t do it. Owing money doesn’t resort in a death penalty, jail sentence or caning. However if you are debtors turn assistors, the punishment is very severe. You, yourself will in turn from a victim become a criminal.

Under the Moneylenders Act 2010 (Revised Edition), first-time offenders found guilty of carrying on the business as an unlicensed moneylender or assisting in the business of unlicensed moneylending may be fined not less than $30,000 and not more $300,000, be imprisoned for a term not exceeding four years and shall also be liable to be punished with caning not more than six strokes. First time offender found guilty of loanshark harassment shall be punished with imprisonment for a term of up to 5 years, a fine of not less than $5,000 and not more than $50,000, and shall also be liable to caning of not less than 3 and not more than 6 strokes.

You have heard of the saying, 明知道老虎会咬人，你还一直喂他，那就是自寻死路。
If you are a debtor, please don’t blame yourself for what happen. If you are not desperate, you won’t be borrowing from them. Seek your family understanding. Sometime you would feel helpless, you are loss, you always trying to source money to meet payment, the pain and psychological torture is unbearable. But please face the fact; this is never the end of life.

Don’t pay them; it is not against the law not to pay them. They will threaten to report on you and use a lot of threatening message to make you pay or work for them. But come to think of it, when did they show up to receive the payment in person. It is always through Bank Transfer. Ask yourself why.

Learn to understand the situation you are in, accept it. And be true to your family about the money lending matter. Call NPCG for counselling in the event that your family members don’t understand.

The methodology that they used is always to instill fear in their victims. And from the news you would know that many loan shark always are so notorious. But come to think of it, who are the one that are being used by them. Who are the one that are doing the dirty job? The debtors are always the one.
Ask yourself a question, why does the Police always so reactive towards the loan shark? It is because the loan sharks are always under the veil. They used the debtors as smoke screen.

What will happen in the event you don’t pay up?
They will spray paint at your house, disturb your neighbor, disgrace you, humiliate you and shame you. These are the tactics that they used. So how bad can this be? Do you want your life back again? Or do you want to live in a lifetime full of fear. I will be very honest with you. My father had been feeding the tiger for years and finally now, he decide to heel the Police advice and stop paying and cooperate with them.

You are not the only one suffering if you continue to pay. Think about your family for the long term. Do you want them to suffer with you for 10 year, 20 years, worrying about money? Think about it. Do you want to be partner in crime? Or do you want a lifelong happiness with your family. If you really care for your family members, you should know the right thing to do. If you are scares you can always post on the forum or talk to someone regarding the case.

I believe if we unite as one, we can accomplish more. If you are young, bold, adventurous, please feel free to voice out. We can always spend some time to help one another. We can help family by family if we have more manpower. The debtors need people to talk to. The family members need assurance and comfort. We don’t blame other for not helping us, if we are not helping ourselves. We don’t need to resort to violence; we want to build a peaceful community for everyone to live in.

And again, I need more people and more support to discuss matter and also plan to help other out.

Thank you for your time in reading this.

I own 10 ah longs...they threaten by sending videos and poster to me and my neighbour..haven kena splash paint or burn flat ..they now send your pic to social media and yr company i thinking of dying as a quick way out..I cannot cope with the stress anymore

[qhong61]

Jjlin1205 wrote:

I own 10 ah longs...they threaten by sending videos and poster to me and my neighbour..haven kena splash paint or burn flat ..they now send your pic to social media and yr company i thinking of dying as a quick way out..I cannot cope with the stress anymore

How did u end up like this?

[Adt007]

qhong61 wrote:

How did u end up like this?

His case is very common. Begining he owe one ah long.... then after a few weeks, a different number message him offer him new loan. (In fact the different number is just another "stall" under one syndicate) So he take up a second loan to repay first. And then the thrid to pay off the second and so on.

So now owe 10 ah long. I last time also owe about 10. So cannot pay one, that ah long came up splash paint , might as well dont pay all of them. So for the first few months must clean the paint off my door for about 4-8 times a month.

Finally sold off the house and they cannot find me anymore.