Loan Shark Harassment and how to stop it - Part 2

Matime_88

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Hi i previously got loan from a UML, but has fully repay but I was stupidly tempted to loan again recently from UNL but this time I didn't provide them any of my IC or relatives number but just today they manage to contact my brother. So I was wondering will they still be able to find my house address and should I do ?
 

ForBetterDays

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Hi i previously got loan from a UML, but has fully repay but I was stupidly tempted to loan again recently from UNL but this time I didn't provide them any of my IC or relatives number but just today they manage to contact my brother. So I was wondering will they still be able to find my house address and should I do ?
With your number they can track down alot of your info. Especially with social media and what not. Just make a police report, and cut all contact. If they don’t have ur particulars, consider yourself lucky. Block and report.
 

m0n0n0ke

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Hi i previously got loan from a UML, but has fully repay but I was stupidly tempted to loan again recently from UNL but this time I didn't provide them any of my IC or relatives number but just today they manage to contact my brother. So I was wondering will they still be able to find my house address and should I do ?
Wow. Really can loan without ic
Now uml damn desperate
 

dudeneedsadvice

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Hi all,

I'm asking this because a friend of mine is currently in the never-ending situation will UML. I did not seek her consent before this post and if she knows about it, she probably will hate me for life.

I have read most of the thread here and have seen alot of good advices in how to stop this vicious cycle. However my friend situation is a bit tricky in my opinion. So before any of you decided to flame my friend, I hope you could read the situation and provide the option for her consideration. It started of like this.

Few years ago, she acted as a guarantor for a very good friend of her. Being naive and trustworthy of her friend, she agreed to do so.
However her so called good friend bailed out on her and run away. So under the threat of the UML, she started paying for her friend. While I'm not sure how much was the initate amount, I suspected it was close to 5k before interest kicks in.

So after some time, being a mother of 2 young kids where majority of the family expenses falls on her shoulder, she knew she could not continue afford to pay anymore as the snowballing effect started to get crazy. Now if you asked why the husband didn't help out on the family expenses, apparently the husband doesn't really care about the family and his contributions is pretty non existence. What she said was the husband simply does a "he contributes 100 but will ask 200 in return"

And so the ULM told her to be their runner by providing her bank account to them. She doesn't engage in these horror O$P$ activity. And yes out of desperation, she did. I only learned about that after she confided to me one day few years ago but it was too late, as she had taken up the role. However that was few years ago and she has since stopped helping the ULM after doing that for few months but is still continue to pay them date.

And fast forward, just recently she asked me to help her financially and that's why I learned the full story happened thereafter. As she was struggling to meet months end for her family, and when she could not reply the weekly sum, she went ahead to borrow another loan from the same UML just to pay back to them (yes I know its dumb) and right now she is in debt around 5 figures.

After hearing her story I decided to google and found this thread which I have read most of the reply since yesterday. I advised her to follow the the advice here that is to make a police report, change all contact number, installation of CCTVs etc. However she told me she doesn't want to make a police report due to the following reasons

1. Because she used to be a runner for UML, she fears that this dark history will lead her in jail and no one will be around for her daughters as her husband doesn't really provide the financial to the family. Her daughters are also much closer to my friend.

2. I learned that she is planning to go through a divorce procedure with her husband in two years. She fears that this will implicate the custody of her daughters. She really loves them alot to the extend of getting loan from UML

In view of the above, my question is, should I manage to convince her to make a report, will her dark history comes back and haunt her in particular on point 1? I really do not want to see her continue suffering from all these anymore, in fact I'm willing to help her at least half of her weekly payment. But as we all know as long as you are estranged with UML, the nightmare will never end. So i really want to put a stop for her. I have also thought of calling the x ah long hotline on behalf of her, but I'm not too sure if it would be appropriate since I'm concerned of the point 1 as well. But please reassue she is no longer engage in these activities since it ended few years ago.

hence I am looking for some solid advice especially from people who had a similar history as my friend.

Much appreciated to all.
Hi all, appreciate if anyone could provide solid advice on this situation
 

ForBetterDays

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Hi all,

I'm asking this because a friend of mine is currently in the never-ending situation will UML. I did not seek her consent before this post and if she knows about it, she probably will hate me for life.

I have read most of the thread here and have seen alot of good advices in how to stop this vicious cycle. However my friend situation is a bit tricky in my opinion. So before any of you decided to flame my friend, I hope you could read the situation and provide the option for her consideration. It started of like this.

Few years ago, she acted as a guarantor for a very good friend of her. Being naive and trustworthy of her friend, she agreed to do so.
However her so called good friend bailed out on her and run away. So under the threat of the UML, she started paying for her friend. While I'm not sure how much was the initate amount, I suspected it was close to 5k before interest kicks in.

So after some time, being a mother of 2 young kids where majority of the family expenses falls on her shoulder, she knew she could not continue afford to pay anymore as the snowballing effect started to get crazy. Now if you asked why the husband didn't help out on the family expenses, apparently the husband doesn't really care about the family and his contributions is pretty non existence. What she said was the husband simply does a "he contributes 100 but will ask 200 in return"

And so the ULM told her to be their runner by providing her bank account to them. She doesn't engage in these horror O$P$ activity. And yes out of desperation, she did. I only learned about that after she confided to me one day few years ago but it was too late, as she had taken up the role. However that was few years ago and she has since stopped helping the ULM after doing that for few months but is still continue to pay them date.

And fast forward, just recently she asked me to help her financially and that's why I learned the full story happened thereafter. As she was struggling to meet months end for her family, and when she could not reply the weekly sum, she went ahead to borrow another loan from the same UML just to pay back to them (yes I know its dumb) and right now she is in debt around 5 figures.

After hearing her story I decided to google and found this thread which I have read most of the reply since yesterday. I advised her to follow the the advice here that is to make a police report, change all contact number, installation of CCTVs etc. However she told me she doesn't want to make a police report due to the following reasons

1. Because she used to be a runner for UML, she fears that this dark history will lead her in jail and no one will be around for her daughters as her husband doesn't really provide the financial to the family. Her daughters are also much closer to my friend.

2. I learned that she is planning to go through a divorce procedure with her husband in two years. She fears that this will implicate the custody of her daughters. She really loves them alot to the extend of getting loan from UML

In view of the above, my question is, should I manage to convince her to make a report, will her dark history comes back and haunt her in particular on point 1? I really do not want to see her continue suffering from all these anymore, in fact I'm willing to help her at least half of her weekly payment. But as we all know as long as you are estranged with UML, the nightmare will never end. So i really want to put a stop for her. I have also thought of calling the x ah long hotline on behalf of her, but I'm not too sure if it would be appropriate since I'm concerned of the point 1 as well. But please reassue she is no longer engage in these activities since it ended few years ago.

hence I am looking for some solid advice especially from people who had a similar history as my friend.

Much appreciated to all.
You are doing the right thing. Stop making payments, or the hell will never end. And time to move on. Make police report. It’s better for her to hav money for her kids then not. She can just let the police know she did what she’s did to protect her children. It’s the same advice

Report and Block. In case of harassment call the police. It will be hard at first, but it’s so much better than paying them money you don’t have.
 

Matime_88

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With your number they can track down alot of your info. Especially with social media and what not. Just make a police report, and cut all contact. If they don’t have ur particulars, consider yourself lucky. Block and report.
Thank you so much, i Have already change my number and report to police already.
 

dudeneedsadvice

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You are doing the right thing. Stop making payments, or the hell will never end. And time to move on. Make police report. It’s better for her to hav money for her kids then not. She can just let the police know she did what she’s did to protect her children. It’s the same advice

Report and Block. In case of harassment call the police. It will be hard at first, but it’s so much better than paying them money you don’t have.
I did explain to her the rationale of making a police report, but she is really fearful that her days as a runner back then will land her in jail. Furthermore she does not want this to affect her custody fight with her husband. So she is really at a loss now.

By the way is there any social service which could help someone who is in this situation like my friend in anyway?
 

ForBetterDays

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I did explain to her the rationale of making a police report, but she is really fearful that her days as a runner back then will land her in jail. Furthermore she does not want this to affect her custody fight with her husband. So she is really at a loss now.

By the way is there any social service which could help someone who is in this situation like my friend in anyway?
She doesn’t have to talk about the runner thing at all. Just make a report about what currently ongoing. And she can just say they threaten her safety.

there’s a few groups that will help.
 

Matime_88

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Update this is my 2nd day, they now contacting my NOK and manage to get my ic going to continue ignore and block them. Really hope this could end soon
 

ForBetterDays

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Update this is my 2nd day, they now contacting my NOK and manage to get my ic going to continue ignore and block them. Really hope this could end soon
Probably it’s the same UML under a different name that u borrowed from. That’s why they never ask for ic.

Just hang in there. Install a cctv. And if they start contacting your new number, do the same thing, block, report and stay vigilant. Stay strong!
 

DoctorThor

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Just simply ignore the repayments.


Yup
Don't pay. Those jhks can't come in .

No worries.

And even if they can come in. Most are just small sized gangsters. No more than 1.7m
Don't be scared.
 

DoctorThor

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It's only been 4 months actually. I only took 2 loans initially, and then I keep deferring both. So i wanted to clear, I go borrow from another 2 to clear the 2. Then the first 2 came back ask me still need, I go take again because i stupid. So now I got 4. I try not to defer but instead i clear and retake each time. clear and reloan. clear and reloan.

Wah I see now why its best to make a fresh start because they will always come back and tempt you and money is super evil and the biggest temptation of all.

so now that i've decided to block them, all 4 is kind of "new loans" because i didnt do deferment. i just clear and then retake. which means to them, i didnt pay at all. which will probably make them kinda mad. total the four loans with repayment is 5 digit.

I kinda feel guilty because I do believe money taken must be returned. And I indeed took the money from them. Which is why I've never defaulted on payment. But from all the post here, i realised that the money i returned wasn't gonna go back to them anyway, its just going to another debtor like myself. and yes, i also realise how i may have been "helping" them in that sense.

the money i have planned on paying them back, i shall donate to charity or give the church or something. hope maybe this will give me some kind of stronger will power to stop myself from going back to them.

as of yesterday - its day 1 of harassment, and i believe from one UML only. they have send my images and IC to all my friends in FB. And they send grabfood to my house. I still waiting to see what the other 3 is gonna do.
Hang in there. Be strong
 

menthol28

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Update this is my 2nd day, they now contacting my NOK and manage to get my ic going to continue ignore and block them. Really hope this could end soon
Can understand you are in stress and anxiety but just bear thru this and dun do anything silly. I'm also under lots of stress due to legal loans and etc but the only thing is that end of the day we have to face it, just dun do anything silly
 

m@maboi

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Hi i previously got loan from a UML, but has fully repay but I was stupidly tempted to loan again recently from UNL but this time I didn't provide them any of my IC or relatives number but just today they manage to contact my brother. So I was wondering will they still be able to find my house address and should I do ?
once they have your mobile, they have a way to find u or get your address? I believed you have read reports where they pay people in telco to retrieve personal data?
 

WhyMe!

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hey man! Hope they have stopped after the letter.
Hi All.

Can't believe it..till now still getting letters from these idiots...macham newsletter once a month. Anyone experiencing this situation. Almost six months....sigh. Each time i just inform my IO..
 

ForBetterDays

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Hi All.

Can't believe it..till now still getting letters from these idiots...macham newsletter once a month. Anyone experiencing this situation. Almost six months....sigh. Each time i just inform my IO..
Keep reporting. Don’t contact them or give in. Hang in there!
 
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