Loan Shark Harassment and how to stop it - Part 2

[learningmylesson]

Hi, to ans ur last qn, it should be no, unless u somehow posted these details on ur social media accts b4 u deactivate them.

They are not as high tech like the CIA or FBI.

We, ex victims, look down on their capabilities beyond their initial scamming tactics and remote/online threats.

Have been the same for years and rather predictable.

Thank you for sharing.

I never posted parents details online.. But now i am just worried if the LS still somehow managed to.

 

[learningmylesson]

For your last question, unfortunately, we can't say for certain what will happen. However, if they do reach out to anyone close to you, the best thing you can do is inform them right away. You have to give them a heads-up so they’re prepared. I had the same worries when I went through this, but I didn’t share any details about my NOK with them, so they couldn’t find out. I also deactivated all my social media accounts and even changed my social media name to a nickname to make it harder for them to track me.

You’re doing a great job so far, and this is the tough part you’re in right now. During this period, you will face alot of harassment as they will try to find any way to get to you, including reaching out to those closest to you. Hang in there during this tough period. The sooner you stop engaging with their calls and messages, the sooner they’ll likely move on to another target.

Stay strong and keep doing what you’re doing. Don’t focus too much on what might happen now; your safety and mental well-being are what matter most right now. Please, take care of your mental health—stay calm and grounded.

If you ever feel overwhelmed or stressed, don’t hesitate to reach out here. We’re all here to offer advice and help you find some peace of mind.

Today is going to be like my "Day 1" of ignoring him. He is calling me non-stop hits via WA Calls since morning and last WA was "sis u still don want reply and settle this problem, later my boss push me do thing. u know one leh sis" I felt like blocking his number but to think about it, no point as he will sure CTC me by another number and ask why i block him.

I don't think he will let me off easily... Even if i change number, deactivate my social medias. Right ?

ANW may i know somehow how long yours lasted? And how did they harrass you since they couldn't track any of your NOK? Just to prepare myself, incase. Sigh~

 

[soyabeana]

Today is going to be like my "Day 1" of ignoring him. He is calling me non-stop hits via WA Calls since morning and last WA was "sis u still don want reply and settle this problem, later my boss push me do thing. u know one leh sis" I felt like blocking his number but to think about it, no point as he will sure CTC me by another number and ask why i block him.

I don't think he will let me off easily... Even if i change number, deactivate my social medias. Right ?

ANW may i know somehow how long yours lasted? And how did they harrass you since they couldn't track any of your NOK? Just to prepare myself, incase. Sigh~

Tbh, my experience wasn't as bad as yours, so I can't really say it's the same. To keep it brief, I borrowed $400, with daily payments of $40. On the fifth day, I couldn't take it anymore and asked for an account to pay everything in one go. The loan shark then told me it was cleared. On day one, I started ignoring their calls but didn't block the number. I let them continue to text, but I didn’t respond. On day two, they messaged me again, asking why I hadn't replied and even tried to make a WhatsApp call, but I didn't pick up. After that, I started getting a lot of calls from unknown numbers, but I didn't answer. They didn’t send any threatening messages, so I wasn’t too worried, though I knew they had my personal details. On that first day of deciding to cut contact, I immediately made a police report and informed my family. They were upset but understood.

I felt really down and couldn't focus at work. I panicked when I received unknown calls, but I stayed calm and ignored them. This went on for about a week until I started feeling a bit better and got my focus back. The random calls continued for over a month plus until they finally stopped. Even today, I received another random call, but I didn’t pick it up.

From what I've read from other victims, some have had much worse experiences than you. But generally, loan sharks tend to harass those who don’t want to settle their debt. Please don't blame yourself or feel responsible for repaying them. We were all once in a desperate situation, just trying to survive and find a way to live. Take this as a lesson learned and vow never to go down that path again.

So, just be prepared and brace yourself for it.

One more thing: You can also look up how to stop your phone from receiving WhatsApp or direct calls. On iPhone, there's an option to block unknown callers, and WhatsApp has a similar feature. Also, I wanted to check if you’ve unchecked the read receipts—make sure they can’t see if you’ve read their messages.

 

[learningmylesson]

Tbh, my experience wasn't as bad as yours, so I can't really say it's the same. To keep it brief, I borrowed $400, with daily payments of $40. On the fifth day, I couldn't take it anymore and asked for an account to pay everything in one go. The loan shark then told me it was cleared. On day one, I started ignoring their calls but didn't block the number. I let them continue to text, but I didn’t respond. On day two, they messaged me again, asking why I hadn't replied and even tried to make a WhatsApp call, but I didn't pick up. After that, I started getting a lot of calls from unknown numbers, but I didn't answer. They didn’t send any threatening messages, so I wasn’t too worried, though I knew they had my personal details. On that first day of deciding to cut contact, I immediately made a police report and informed my family. They were upset but understood.

I felt really down and couldn't focus at work. I panicked when I received unknown calls, but I stayed calm and ignored them. This went on for about a week until I started feeling a bit better and got my focus back. The random calls continued for over a month plus until they finally stopped. Even today, I received another random call, but I didn’t pick it up.

From what I've read from other victims, some have had much worse experiences than you. But generally, loan sharks tend to harass those who don’t want to settle their debt. Please don't blame yourself or feel responsible for repaying them. We were all once in a desperate situation, just trying to survive and find a way to live. Take this as a lesson learned and vow never to go down that path again.

So, just be prepared and brace yourself for it.

One more thing: You can also look up how to stop your phone from receiving WhatsApp or direct calls. On iPhone, there's an option to block unknown callers, and WhatsApp has a similar feature. Also, I wanted to check if you’ve unchecked the read receipts—make sure they can’t see if you’ve read their messages.

Aah..yours not so bad. Mine 12K, worst to come.

I just read news on SPF Website for LS harrasments and seems like lately alot are by splashing paints and locking gates.

But funny how they can still dare to do it when i see cameras directly on debtors door facing them? Is it because they know it's fake before proceeding? Or they just don't care, caught also caught ?

I did on my silent unknown number but somehow this LS number still prompts when he WA call me. And my WA read receipts have always been off.

Weekend is here, such a worrying one. Last WA was him asking again if i want him to "proceed"~

 

[soyabeana]

Aah..yours not so bad. Mine 12K, worst to come.

I just read news on SPF Website for LS harrasments and seems like lately alot are by splashing paints and locking gates.

But funny how they can still dare to do it when i see cameras directly on debtors door facing them? Is it because they know it's fake before proceeding? Or they just don't care, caught also caught ?

I did on my silent unknown number but somehow this LS number still prompts when he WA call me. And my WA read receipts have always been off.

Weekend is here, such a worrying one. Last WA was him asking again if i want him to "proceed"~

I think they’re likely young and don't fully understand the severity of the crime, which probably explains why they're so desperate to make money from the loan sharks. I’ve also heard that even after doing the job, they often don’t get paid, which is unfortunate. It’s something beyond our control.

Regarding WhatsApp, it’s a bit tricky. If the number has contacted you before or you've responded to them in the past, even if you enable the function to silence unknown calls, it will still get through. The only way around that is to block the number.

For numbers that are not in your contacts and haven’t messaged or called you before, those will automatically be silenced.

But if they decide to keep pushing, there's not much you can do except brace yourself and get through it.

I believe you'll get through this. Stay strong and hang in there!

 

[Babablacksheeps]

What I know was, the most clever will buy biz profile. That's all.

Don't worry so much, the more we read and open their picture/video, we will fear more.
don't bother this, just concentrate on dealing your family, set another doorbell cctv with cloud footage on your parents house if you're worried. Inform spouse and nok that you provide them details to change number and be alert.


So far, they stop harassing me as a nok after close to 2 months ghosting them and with close to 10 harassment at my unit.
3 of them are borrowing money from LS come knocking loudly at my door as it tearing it down while the rest are supposed to do what they paid to do

I read so much and thanks to @soyabeana @PiggyV and @SIM37_ , I'm able to stay calm and pull thru this till date. Yes, I expect more nonsense to come and looking for all these shits to end.

 

[Babablacksheeps]

Aah..yours not so bad. Mine 12K, worst to come.

I just read news on SPF Website for LS harrasments and seems like lately alot are by splashing paints and locking gates.

But funny how they can still dare to do it when i see cameras directly on debtors door facing them? Is it because they know it's fake before proceeding? Or they just don't care, caught also caught ?

I did on my silent unknown number but somehow this LS number still prompts when he WA call me. And my WA read receipts have always been off.

Weekend is here, such a worrying one. Last WA was him asking again if i want him to "proceed"~

You can set to do not disturb too.
Don't worry over the weekends. Clear up your chores tonight, have a good sleep. Wakeup, prepare and enjoy your Saturday.
Don't bother, if heading home late, look out surrounding before going home.

Lead a normal life

 

[PiggyV]

Aah..yours not so bad. Mine 12K, worst to come.

I just read news on SPF Website for LS harrasments and seems like lately alot are by splashing paints and locking gates.

But funny how they can still dare to do it when i see cameras directly on debtors door facing them? Is it because they know it's fake before proceeding? Or they just don't care, caught also caught ?

I did on my silent unknown number but somehow this LS number still prompts when he WA call me. And my WA read receipts have always been off.

Weekend is here, such a worrying one. Last WA was him asking again if i want him to "proceed"~

I had 10 uml and ard 15k debt.. i been paying for 6 months till i cannot take it. I stopped paying almost 2 months ago... before i stop i deactived my social media.. and at the same day i inform my boss and NOK..they were upset but still supporting me..the moment i stop paying..endless calls and threatening msg to me, my Nok till now.they contacted my workplace as well.. i was worried like hell like you.. looking at my CCTV whole day.. cant slp at night.. i know i cannot stop what they want to do.. but i know what i want.. focus what you need now.. do the right thing to make your life better.. i work 7 days a week now full time + part time.. coz i need money to pay other debt from lml, friends and family which i borrowed to pay UML.. tiring but i feel better and happier now.. at least the money i earn goes to right place.. gotto thanks everyone here had advised me.. i checking in this forum almost everyday read back all the advise which give me courage to go through the s**t @learningmylesson u r not alone.. u can be stronger than u think

 

[Ikamika]

Hey guys today was my first day I ghosted my uml scammer, story is that I was planning to take loan from 1 of them cuz I saw an ads from sms stating monthly pay loan and I was desperate in need of fast cash, after that I texted him on wa about the loan and he said to give him my particular such as bank account, ic,etc. i give them,after that he called me explaining about the loan and he said cuz my credit is low need to do like trial loan then can get bigger loan. I already felt suspicious about it and said I will think about it and let him know. Suddenly around 20 minutes he send a receipt of cash deposit to my bank account $400 and ask me to repay him $500 within 5 days!!! I’ve changed my number close my bank account report police already and informed nok. Hope it won’t last long pray for me guysss

 

[green72]

Hey guys today was my first day I ghosted my uml scammer, story is that I was planning to take loan from 1 of them cuz I saw an ads from sms stating monthly pay loan and I was desperate in need of fast cash, after that I texted him on wa about the loan and he said to give him my particular such as bank account, ic,etc. i give them,after that he called me explaining about the loan and he said cuz my credit is low need to do like trial loan then can get bigger loan. I already felt suspicious about it and said I will think about it and let him know. Suddenly around 20 minutes he send a receipt of cash deposit to my bank account $400 and ask me to repay him $500 within 5 days!!! I’ve changed my number close my bank account report police already and informed nok. Hope it won’t last long pray for me guysss

Also close ur social media account, if any. Ghost them and hang on to that for next 2-4 weeks and get back ur life.

 

[Ikamika]

Done thanks for the advice, for now only received threat harassment from nok phone

 

[learningmylesson]

I had 10 uml and ard 15k debt.. i been paying for 6 months till i cannot take it. I stopped paying almost 2 months ago... before i stop i deactived my social media.. and at the same day i inform my boss and NOK..they were upset but still supporting me..the moment i stop paying..endless calls and threatening msg to me, my Nok till now.they contacted my workplace as well.. i was worried like hell like you.. looking at my CCTV whole day.. cant slp at night.. i know i cannot stop what they want to do.. but i know what i want.. focus what you need now.. do the right thing to make your life better.. i work 7 days a week now full time + part time.. coz i need money to pay other debt from lml, friends and family which i borrowed to pay UML.. tiring but i feel better and happier now.. at least the money i earn goes to right place.. gotto thanks everyone here had advised me.. i checking in this forum almost everyday read back all the advise which give me courage to go through the s**t @learningmylesson u r not alone.. u can be stronger than u think

2 months & they still exist. More coming towards me for sure.

He WA me again this morning, i immediately blocked. The thing is i can't recall i gave whose number in the earlier stage as NOK because it's over a year ago. Sigh~

 

[learningmylesson]

I think they’re likely young and don't fully understand the severity of the crime, which probably explains why they're so desperate to make money from the loan sharks. I’ve also heard that even after doing the job, they often don’t get paid, which is unfortunate. It’s something beyond our control.

Regarding WhatsApp, it’s a bit tricky. If the number has contacted you before or you've responded to them in the past, even if you enable the function to silence unknown calls, it will still get through. The only way around that is to block the number.

For numbers that are not in your contacts and haven’t messaged or called you before, those will automatically be silenced.

But if they decide to keep pushing, there's not much you can do except brace yourself and get through it.

I believe you'll get through this. Stay strong and hang in there!

I realy hope i can get through this. Such a huge lesson learnt.

 

[learningmylesson]

What I know was, the most clever will buy biz profile. That's all.

Don't worry so much, the more we read and open their picture/video, we will fear more.
don't bother this, just concentrate on dealing your family, set another doorbell cctv with cloud footage on your parents house if you're worried. Inform spouse and nok that you provide them details to change number and be alert.


So far, they stop harassing me as a nok after close to 2 months ghosting them and with close to 10 harassment at my unit.
3 of them are borrowing money from LS come knocking loudly at my door as it tearing it down while the rest are supposed to do what they paid to do

I read so much and thanks to @soyabeana @PiggyV and @SIM37_ , I'm able to stay calm and pull thru this till date. Yes, I expect more nonsense to come and looking for all these shits to end.

I just blocked his number earlier as he start to "HALLO" me again for today. Now waiting for his another number to get through me. For sure.

I have re-positioned è cctv outside my door facing the gate. I guess it will begin tonight or anytime soon for me.

 

[learningmylesson]

Hey guys today was my first day I ghosted my uml scammer, story is that I was planning to take loan from 1 of them cuz I saw an ads from sms stating monthly pay loan and I was desperate in need of fast cash, after that I texted him on wa about the loan and he said to give him my particular such as bank account, ic,etc. i give them,after that he called me explaining about the loan and he said cuz my credit is low need to do like trial loan then can get bigger loan. I already felt suspicious about it and said I will think about it and let him know. Suddenly around 20 minutes he send a receipt of cash deposit to my bank account $400 and ask me to repay him $500 within 5 days!!! I’ve changed my number close my bank account report police already and informed nok. Hope it won’t last long pray for me guysss

I experienced this before too few months back. But he didn't transfer me any money. It was via a Website which looks very legit professional & even stated "Licensed Moneylender".
After i applied online, they WA me to submit all those usual details. First they said approved for 20K loan. Then they called me saying system don't approve cause i am "New". Must take lower loan first bla³ then can get the 20k loan. I said i will think about it & hung up. That's when he start to bombard my hp & even office lines. Asking why i put down, why i don't take. I blocked his number but he WA me using diff numbers scolding me. He even contacted my NOK that i provided that time when i never even took any loan from him! Alot of unknown numbers WA me ask to call back that guy urgently. One even act to be his boss asking "Why u black ball my guy??". I just quickly blocked! I totally creeped out! Bcause his tone was realy gangster kind. Until today his number still appear under my "Block calls" everytime i check my call log.

 

[green72]

2 months & they still exist. More coming towards me for sure.

Just hold on, it will end.

To them, you are their honey pot. They can only scare or shame you to make you pay. They cannot point a weapon at you to pay.

They are opportunistic cowards at best.

We are here to provide you with hope like what others before us did for us.

They WILL move on to their next victim and leave you alone.

We are the proofs, if you need any. Endure guys, whatever that may come, be strong.

 

[learningmylesson]

Just hold on, it will end.

To them, you are their honey pot. They can only scare or shame you to make you pay. They cannot point a weapon at you to pay.

They are opportunistic cowards at best.

We are here to provide you with hope like what others before us did for us.

They WILL move on to their next victim and leave you alone.

We are the proofs, if you need any. Endure guys, whatever that may come, be strong.

I realy hope so too.

Just received WA from another number, he said "i confirm do until u come contact me one". Any advise??

 

[green72]

I realy hope so too.

Just received WA from another number, he said "i confirm do until u come contact me one". Any advise??

Same advice, the only advice - Block, report and ignore.
The WA response means one thing, they are losing you as source of income.
Also report to IO.

 

[learningmylesson]

Same advice, the only advice - Block, report and ignore.
The WA response means one thing, they are losing you as source of income.
Also report to IO.

I just changed to a new number & updated my SIO too.

Harrassment to begin v.soon...

 

[soyabeana]

All of you have done an amazing job by taking the right steps and following the advice to avoid LS. You should be proud of yourselves for getting through such a tough time. It wasn't easy, and though we faced some criticism at the start, we’ve had the support of our families, friends, and colleagues to lean on.

Don’t let LS cause you any fear. Keep ignoring their calls, texts, or any form of communication they try to send your way. They're only trying to play with your mind, but you have the strength to rise above it.

Let this be a valuable lesson and a reminder to never make the same mistake again.

In the end, everything you've gone through will be worth it. Keep going strong!