That's why we are encouraging and teaching victims how to make these scammers lose money instead.
Simple, DO NOT PAY, DO NOT RETURN. Keep it, donate it, "burn" it if you want.
On top of how to end the harassment and move on.
I totally agree on your point.
First - Even returning the force loan, they will still harass you as they have already got hold of your information - This is the main target they targeting at.
Secondly - Even if you support the force loan given to you after your last payment they will still come out with all sort of excuses to squeeze more from victim.
Thirdly - Whether you pay or don't pay - Threatening of sending worker, love letter, paint, nuisance call to your neighbor or NOk will still exist.
The only solution: Report Police > Ghost Them > Install Camera > During this time (At least 2mth to 3mth always stay 'SUPER' alert on your corridor > Rational on your decision making > Everything will past and be fine.
Always remember even the real UML can't do really much on debtor, what do you think this bunch of monkey scammer can really do?
Victim can't stop them from sending runner but victim can cooperate with SPF to arrest the runner very fast and it also serve as a warning to this monkey hiding somewhere that Victim are not afraid at all - Let's see how many runner do this monkey have?
Aside To Runner who may be in this forum - As long as you have not accept the job given to 'YOU' - There is still a turning point for you - Ask yourself this question: Do you want to be threaten by them everyday whereby there is only command and fear daily created by them? - You are a victim too - SPF can help you, work and cooperate with SPF. Many victims have already left the vicious cycle because they choose the wise way that was report and cooperate with the police. The mastermind know how strict and heavy the punishment was and that is why they are making use of runner to work behalf of them - ''DO NOT WORK FOR THEM JUST LIKE DO NOT PAY THEM AND ALL WILL END REAL SOON'