Loan Shark Harassment and how to stop it - Part 2

AlphaVi

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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.

Yesterday at 0815 i received a bank transfer into my account for $200, and then i used the money as i jus assumed that it was my weekly pay that i got but a few hours later i recevied a whatsapp message saying this
FIRST PAYMENT DON'T LATE .!
*LOAN AMOUNT : 300
*CLEAR AMOUNT : 450
*DEFERMENT : 150
*DATE DUE : 30/05
*PAYMENT EVERY : 5days
*PAYMENT BEFORE : 6PM
FIRST PAYMENT CAN'T NOT CLEAR.!
INFORM ONE DAY FOR CLEAR.!
********************
IF ANY OTHER NUMBER COLLECT MY PAYMENT FROM YOU
PLEASE IGNORE : DARREN 185

And now i am being required to pay him back 600 to fully clear him off or 150 to defer it to next week, i dont know what to do here im so lost and confused
 
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Yesterday at 0815 i received a bank transfer into my account for $200, and then i used the money as i jus assumed that it was my weekly pay that i got but a few hours later i recevied a whatsapp message saying this
FIRST PAYMENT DON'T LATE .!
*LOAN AMOUNT : 300
*CLEAR AMOUNT : 450
*DEFERMENT : 150
*DATE DUE : 30/05
*PAYMENT EVERY : 5days
*PAYMENT BEFORE : 6PM
FIRST PAYMENT CAN'T NOT CLEAR.!
INFORM ONE DAY FOR CLEAR.!
********************
IF ANY OTHER NUMBER COLLECT MY PAYMENT FROM YOU
PLEASE IGNORE : DARREN 185

And now i am being required to pay him back 600 to fully clear him off or 150 to defer it to next week, i dont know what to do here im so lost and confused

Are you saying they randomly put money into your account without you knowing? And without you contacting anybody at all?

Whatever it is, do not pay! Any harassment, file police report and call 999.
 
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Yes thank you. Staying vigilant. My fight just started. The harassment is for a day. But I know more will come after CB is over.

Sorry to hear your case, you will see many similar cases here. Do this:

1. Do not pay!

2. File police report is your ever get harassed, this ensures runners are promptly nabbed.

3. Do not give in to their threats, it is all empty and they will never touch you physically, only threats and fear tactics.

Be not afraid, get on with your life and deal with harassment when and if it happens.
 
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Yesterday at 0815 i received a bank transfer into my account for $200, and then i used the money as i jus assumed that it was my weekly pay that i got but a few hours later i recevied a whatsapp message saying this
FIRST PAYMENT DON'T LATE .!
*LOAN AMOUNT : 300
*CLEAR AMOUNT : 450
*DEFERMENT : 150
*DATE DUE : 30/05
*PAYMENT EVERY : 5days
*PAYMENT BEFORE : 6PM
FIRST PAYMENT CAN'T NOT CLEAR.!
INFORM ONE DAY FOR CLEAR.!
********************
IF ANY OTHER NUMBER COLLECT MY PAYMENT FROM YOU
PLEASE IGNORE : DARREN 185

And now i am being required to pay him back 600 to fully clear him off or 150 to defer it to next week, i dont know what to do here im so lost and confused

Whatever it is, they are loan scam. DO NOT PAY! I repeat again.. DO NOT PAY.
Report to Police immediately. Block all their numbers and ghost them.
 

AlphaVi

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Are you saying they randomly put money into your account without you knowing? And without you contacting anybody at all?

Whatever it is, do not pay! Any harassment, file police report and call 999.

I had initially went to enquire about a loan from what i thought was a Lml and they askef for my details to check for bad credit(thats what they said) after getting the details i rejectef his offer clearly but then yesterday he put $200 into my account i spent hrs wondering whose it was then i assumed it was my weekly pay and now im stuck in this mess
 

AlphaVi

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Sorry to hear your case, you will see many similar cases here. Do this:

1. Do not pay!

2. File police report is your ever get harassed, this ensures runners are promptly nabbed.

3. Do not give in to their threats, it is all empty and they will never touch you physically, only threats and fear tactics.

Be not afraid, get on with your life and deal with harassment when and if it happens.

Will i be arrested if i myself report this to the police
 
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Will i be arrested if i myself report this to the police

Nope. Rest assure. You are a victim not a criminal. We all gone through this before and we all had reported to police. Its a loan scam. So please report to police immediately. Do not reply their sms/watsapp. Block all their numbers and stay uncontactable. Do not answer any unknown call. Change your phone number if possible.
 

happydonkey

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Will i be arrested if i myself report this to the police
Please report. Won’t get into trouble. I enquired and sincerely wanted to borrow. But after receiving $500 I find it fishy as I was told to return them back $800. That’s when I found the anti-scam page. In less than 24 hrs of receiving the amt I went to report to police.

Weird enough my IO says I can return the $500 or dont. But if I do need to do it via ATM so I won’t be implicated further. He did say some didn’t return the amt at all so more harassments. So if I don’t want the money I can do it that way. But he also did mention be it I return or not they will still harass me.

Within the next few hours I told them I will changed my number. Give me account to pay them the amt. end up I paid $500 and cut my line immediately. Bank account also closed. Cctv installed. The moment my line I ghosted them my NOK got contacted to say I owe more money not just $500. NOK also ghosted them. Of course I came clean after making the police report. Also comes clean to my office.

Now pending them to come my house harass me. I slp pretty well last night already. The fear was on the first day when they intimidated me. Sent me videos and photos of houses being burnt and splashed with paint.


Then hurling all vulgarities etc. I’m glad my family supported and forgive me. I’m staying vigilant. They haven’t been calling my nok. Only that same day. I duno when they will strike again but we have started to live life normally now. Open the door huge and big.

The only thing I haven’t done is to inform neighbours. But I’m a Scam victim. I didn’t owe them any money. Yes the initial intent was to borrow thinking it’s legal. But once I know it’s not I acted immediately.

I might be consoling myself but I feel they won’t do anything more because I refused to give in besides returning “their” money. They have no losses except a victim who refused to budged.
 

hopingandhoping

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Please report. Won’t get into trouble. I enquired and sincerely wanted to borrow. But after receiving $500 I find it fishy as I was told to return them back $800. That’s when I found the anti-scam page. In less than 24 hrs of receiving the amt I went to report to police.

Weird enough my IO says I can return the $500 or dont. But if I do need to do it via ATM so I won’t be implicated further. He did say some didn’t return the amt at all so more harassments. So if I don’t want the money I can do it that way. But he also did mention be it I return or not they will still harass me.

Within the next few hours I told them I will changed my number. Give me account to pay them the amt. end up I paid $500 and cut my line immediately. Bank account also closed. Cctv installed. The moment my line I ghosted them my NOK got contacted to say I owe more money not just $500. NOK also ghosted them. Of course I came clean after making the police report. Also comes clean to my office.

Now pending them to come my house harass me. I slp pretty well last night already. The fear was on the first day when they intimidated me. Sent me videos and photos of houses being burnt and splashed with paint.


Then hurling all vulgarities etc. I’m glad my family supported and forgive me. I’m staying vigilant. They haven’t been calling my nok. Only that same day. I duno when they will strike again but we have started to live life normally now. Open the door huge and big.

The only thing I haven’t done is to inform neighbours. But I’m a Scam victim. I didn’t owe them any money. Yes the initial intent was to borrow thinking it’s legal. But once I know it’s not I acted immediately.

I might be consoling myself but I feel they won’t do anything more because I refused to give in besides returning “their” money. They have no losses except a victim who refused to budged.

You enquired upon receiving a sms advertisement or website? I just faced the same issue with you two days ago. Fingers itchy clicked on Website ( looks real )... ur nok was contacted by call or whatsapp?
 

happydonkey

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You enquired upon receiving a sms advertisement or website? I just faced the same issue with you two days ago. Fingers itchy clicked on Website ( looks real )... ur nok was contacted by call or whatsapp?
Via WhatsApp. Enquired with another friend but I enquired first so I got the hit. He was lucky he didn’t. And they asked where I got their number as I’m not in their database.

They called nok via WhatsApp. Rem to close ur bank account before anything further happens. Just takes 1min to do it online if it’s Dbs/posb.

Rem +65 prefix if appears means it’s not a local number calling. Just ignore.

I’m hoping that I don’t deserve them to spend more effort on me. Like printing my face and send to neighbours. Cox I ghosted them really early.
 

hopingandhoping

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Via WhatsApp. Enquired with another friend but I enquired first so I got the hit. He was lucky he didn’t. And they asked where I got their number as I’m not in their database.

They called nok via WhatsApp. Rem to close ur bank account before anything further happens. Just takes 1min to do it online if it’s Dbs/posb.

Rem +65 prefix if appears means it’s not a local number calling. Just ignore.

I’m hoping that I don’t deserve them to spend more effort on me. Like printing my face and send to neighbours. Cox I ghosted them really early.

Yes +65 has been calling.. does it mean that they are based overseas and not actually in sg?

Are these actually LS or loan scammers....??!?

Thanks for your pointers, will do so accordingly today. They shouldn’t be spending any time on u anymore coz u never owe any money actually.
 

AlphaVi

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You enquired upon receiving a sms advertisement or website? I just faced the same issue with you two days ago. Fingers itchy clicked on Website ( looks real )... ur nok was contacted by call or whatsapp?
I enquired via website then nok was contacted via Call
 

hopingandhoping

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Nope. Rest assure. You are a victim not a criminal. We all gone through this before and we all had reported to police. Its a loan scam. So please report to police immediately. Do not reply their sms/watsapp. Block all their numbers and stay uncontactable. Do not answer any unknown call. Change your phone number if possible.

Normally how Long does it take from the time you ghost them to the time They come house and harrass?
 

happydonkey

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Yes +65 has been calling.. does it mean that they are based overseas and not actually in sg?

Are these actually LS or loan scammers....??!?

Thanks for your pointers, will do so accordingly today. They shouldn’t be spending any time on u anymore coz u never owe any money actually.
I read a lot of posts here. One forumer scam them back to get their IP address. They are in msia.

They are loan scammers but behave like loan sharks. I’m still wary and vigilant but no longer as scared.
 
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Normally how Long does it take from the time you ghost them to the time They come house and harrass?

No exact answer here. It all depends on the funds they have in hands. (Runners need to be paid to do jobs).
For some cases, it take days after u ghost. Last time they usually will sent mass sms to your nok first. Then “love letter” to your neighbours. Then sent runners lock your house. Then splash paint.. then last will set fire( which is very rare nowsaday).
But now all hdb had cctv Everywhere. So all this jobs have been minimised. Penalty for working for LS as runner is jail and rotan.
 

AlphaVi

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No exact answer here. It all depends on the funds they have in hands. (Runners need to be paid to do jobs).
For some cases, it take days after u ghost. Last time they usually will sent mass sms to your nok first. Then “love letter” to your neighbours. Then sent runners lock your house. Then splash paint.. then last will set fire( which is very rare nowsaday).
But now all hdb had cctv Everywhere. So all this jobs have been minimised. Penalty for working for LS as runner is jail and rotan.

I done what needs to be done, but im still out here afraid, im only 20 years old i didnt mean for any of this to happen i swear i keep looking out the peep hole on my door i get panic attacks whenever i hear the lift door open, i really didnt mean for any of this to happen i was jus curious and i went to enquire i didnt mean for it to spiral out of control this far
 

AlphaVi

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Normally how Long does it take from the time you ghost them to the time They come house and harrass?

By right he gave me till the 30th to pay back but now he says he wants 150 today and sent me the bank account in which im suppose to transfer into he said if i dont transfer by 6pm will be in trouble
 

hopingandhoping

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By right he gave me till the 30th to pay back but now he says he wants 150 today and sent me the bank account in which im suppose to transfer into he said if i dont transfer by 6pm will be in trouble

In total how much u suppose to pay back since he credit 200$ into ur bank?
Anw, pls heed everyone advice here and won’t go wrong. Report police now, close ur bank account, block all of them on WhatsApp.
 

AlphaVi

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In total how much u suppose to pay back since he credit 200$ into ur bank?
Anw, pls heed everyone advice here and won’t go wrong. Report police now, close ur bank account, block all of them on WhatsApp.

I have to repay $600,
 
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