Hi everyone, just like some friends here, I enquired a loan thinking that it was a LML ,after giving my particulars for their application. They called me and said that I could not take up the requested loan amount because I am a new debtor, instead they ask me to take up this bi-weekly loan.
They offer me 800$ take 600$ weekly pay them 200$. Just like everyone here have experienced and the same details.
After knowing this, I immediately didn't further reply them or answer their calls. They will call your NOK and tell them that ; ask your son to pick up his phone and verbally abuse them.
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I confronted him, asking him why he did that, as UML they would deny. Even he stupid enough to use the same name when talking to me and my NOK. I rejected every offer, and yet he still transferred me the 600$.
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I reported my case to the police, to let them know about everything that's happening. It is very important to do this, why because, money transferred can be traced back to the original bank account, it is confidential to us, but it is very important for the police investigation.
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The UML will proceed to spam call you and harass you and NOK via call and whatsapp, do not be afraid, if your parents are using whatsapp, just tell them not to entertain and teach them how to report via the whatsapp app. They will use your parents whatsapp photos edit it, and threatened you. Just stay calm. Whatever number they whastapp you, please I repeat please! Do not reply and click report via the whatsapp app, they have an algorithm that will deactivate the account if there is an amount of report on it.
They will proceed to call you, please teach your NOK how to automatically reject and block these numbers.
If you're using android;
Go to your phone contacts and select spam reject and caller ID protection. It works so please enable it.
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Call your bank and ask if can revert the amount, they will tell you might take 3-5 days, IF successful, close your account immediately. Inform your parents (sometimes they might be old fashioned or skeptical) that the bank have revert the money and tell them that everything is safe that you don't owe them money (this will give them the emotional support to support you by not giving in to these harassment).
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IF bank for whatever reason, fail to revert. Take out the cash and close your account, within this 3-5 days period, please be vigilant of ur surroundings and neighbourhood, i will tell you what to look for.
If you are just like me and a few that fall in to this enquire scams compared to actual debtors that already took up loan. Do not cave in. They will not burn down your house those videos are years ago and only to those that have owed...a it too much?
Be strong and just stay vigilant.
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Usually most HDB lifts and stair are installed with CCTV, so runners usually at this era won't get anyway, you might have to face the consequences of this short term harassment. On your off days or late night, take a jog or walk around your neighbourhood, find spots where 'youth punk' or 'matrep' can easily hang on, like study corners etc. Also look for Malaysians but mostly youths. They are the one doing the running and door splashing or harassment. If cctv is not an option, install Motion sensor lights near your window or front door, usually these will deter or scare them.(why i say this, runners that does these, are doing for the money, they know its illegal and usually they are on a very high alert in order to evade arrest, so little things that can set their guard off is worth doing).
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Reporting to police again is essential.
Do you know how they got you these payments and usually its from a cash accepting machine?
These are the scams or programme they are doing;
A) the money to your account can be from another debtor that wishes to do a ONE TIME full payment, and was instructed to use cash. This enables the UML to wash it money and also receive additional 200$ from you (as the deferment loan).
B) Online sale scam/carousell/shoppe scam;
They use your account as a receiving end. People that fall for it often are those deals too good to be true or pre-payment first. What they do is, they advertise they sell something for 600, they will convince you to take up this loan of 600$ first to test your payment schedule. So tada, you're at the receiving end of this scam. So very important you report to the police so they know that you are not a scammer but a victim.
C) online gambling debtors. Self explanatory.
D) illegal substance or contraband payment.
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Why you shouldn't transfer the money and stop transferring.
You are aiding in their operations; by doing daily or bi weekly payment.
You are paying for their runners and expenses.
Its smart because these money usually don't trace back to them.
So why they ask you, must confirm one day in advance, because they will do their online shopping and have to find that amount you are transferring to buy, so you're just transferring the money to that buyer account and the UML and buyer will deal privately.
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Stop and think before you get yourself in to too deep of trouble. If bank cannot help you, start small with LML, I went to them and based on your need they can help with other solutions.
Stay strong and safe. Times now is hard. But ride out the storm, you will see a better sky.