Loan Shark Harassment and how to stop it - Part 2

[txnxsix]

Gahh, that's reassuring. hopefully my boss and organisation on its end will be supportive like yours.

I guess, I have to suck it up for a period of time..hopefully this tough time will pass.

You definitely gave me all the courage i needed to just ghost them till the very end.

 

[SIM37_]

Gahh, that's reassuring. hopefully my boss and organisation on its end will be supportive like yours.

I guess, I have to suck it up for a period of time..hopefully this tough time will pass.

You definitely gave me all the courage i needed to just ghost them till the very end.

Remember when they exhaust their resources to find you, they move on and then you..... can carry on lurking here to encourage the next victim.

 

[infin1tyx]

Hi, hope everyone is doing well!

I just lost my wallet and quite paranoid if people can just anyhow use my IC and borrow money from UML...

 

[green72]

Don't worry too much. It will be dumbest UML ever if they just use a stolen IC.

Don't let your imagination run too wild and get paranoid.

But no one knows either if things turn bad due to the loss. You have to be extremely unlucky if that happens.

Just report to authorities and wait for a replacement.

 

[PaboJames]

Should just increase the severity of the punishment.

20 years in prison, 12 strokes of rotan, confiscation of family assets for ah long

 

[txnxsix]

Hi sorry, just want to know.

Will there be ever a time that the LS will use the conversation that u have with them as 'evidence' and post it on social media ? Because so far the video / picture he posted and in the parcel he gave are all sc of me / family members .. and just me with the so called 'loan agreement'.

I was thinking that if he does post on the conversations we had in Tele/WA then it would be made known that im not scammed but indeed got involved with borrowing from them.

 

[SIM37_]

Hi sorry, just want to know.

Will there be ever a time that the LS will use the conversation that u have with them as 'evidence' and post it on social media ? Because so far the video / picture he posted and in the parcel he gave are all sc of me / family members .. and just me with the so called 'loan agreement'.

I was thinking that if he does post on the conversations we had in Tele/WA then it would be made known that im not scammed but indeed got involved with borrowing from them.

He post then? What can he do? Report police?

You OTOH can report his post. Always remember this.

Remember, borrowing money isn't illegal, lending it is. Do not be concerned. And... thats why we tell you. DO NOT RESPOND and do not even give them the previlige of knowing you have "READ" his messages.

Let him go find spider and fornicate it!

 

[learningmylesson]

Hi sorry, just want to know.

Will there be ever a time that the LS will use the conversation that u have with them as 'evidence' and post it on social media ? Because so far the video / picture he posted and in the parcel he gave are all sc of me / family members .. and just me with the so called 'loan agreement'.

I was thinking that if he does post on the conversations we had in Tele/WA then it would be made known that im not scammed but indeed got involved with borrowing from them.

U mean they did provide u a "loan agreement"?? Like letter?

 

[txnxsix]

Hmm understand.

Just that I got worried if the conversations we had the past year or years even will be brought into light by him.
Because after all, I did bait him for some sympathy and according to him with that he talk to his 'boss' to let him borrow me more.

But i guess its part of their scheme as well. Acting all nice and sympathies with our situation. And now when I feel its time to get out from this loopy mess, the threats start and then he is not so 'legal' after all.

But there's really tht small part of me that feels like if i have 'settled' everything with him, all these might not happened.
On the other hand though, if i were to count back I was in this repayment scheme for close to a year or even more, and i might have paid more than what i actually owed due to all the deferment & that's what frustrates me.

Hopefully as some of you have said here, ill be able to ignore and block it all off until he have no means of finding me and all this nightmare will be over , and there will be a day I come back here to say that.

 

[txnxsix]

U mean they did provide u a "loan agreement"?? Like letter?

They didnt exactly provide me a letter.

Its more to him asking me to write its an IOU with my particulars and my family details as well as such and i would want to 'borrow' a certain amount from him.

 

[SIM37_]

Hmm understand.

Just that I got worried if the conversations we had the past year or years even will be brought into light by him.
Because after all, I did bait him for some sympathy and according to him with that he talk to his 'boss' to let him borrow me more.

But i guess its part of their scheme as well. Acting all nice and sympathies with our situation. And now when I feel its time to get out from this loopy mess, the threats start and then he is not so 'legal' after all.

But there's really tht small part of me that feels like if i have 'settled' everything with him, all these might not happened.
On the other hand though, if i were to count back I was in this repayment scheme for close to a year or even more, and i might have paid more than what i actually owed due to all the deferment & that's what frustrates me.

Hopefully as some of you have said here, ill be able to ignore and block it all off until he have no means of finding me and all this nightmare will be over , and there will be a day I come back here to say that.

START GHOSTING HIM NOW!!!

They've been treating you as a cash cow for YEARS. Imagine what you could've bought, done, and enriched yourself and family members for years.

STOP now, its not too late!

If I was a LS Scammer, I see someone like you. I will keep milking lor..... Don't worry, you're here, you're in a safe place, and stop feeding these scumsuckers.

You've come here to seek a solace, a way to get out of this. So start now! When the feeding of the LS stops, your nightmare will too!

Always think how much you're feeding them, and if this money goes to your family instead, how much more fulfilling life would be?. I'm not guilt tripping you but you're just in his realm of intimidation. The moment you snap out of it, life will be awesome!

You're beyond feeling "paiseh" anymore, what you need to is channel this paiseh energy into "Limpeh won't fugging feed you spineless, useless and poo bor kias anymore"

You will prevail, all of us have.

Remember, buying a CCTV and some paint and thinner to clean off stuff is cheaper than perpetually paying these idiots!

 

[SIM37_]

STAY STRONG, STAY FEARLESS – YOU WILL WIN THIS!


To anyone facing threats, harassment, or intimidation from loan scammers and loan sharks—hear this loud and clear: YOU ARE NOT ALONE, and YOU WILL OVERCOME THIS.

These cowards thrive on fear. They throw threats, spread lies, and pull disgusting intimidation stunts—like sending dead animals or bombarding your home with fake deliveries. They may even screenshot your socmed. But remember, thats all they can do!

DO NOT fall for their tricks. DO NOT give them a single cent.

You have the power. Here’s how you take it back:

IGNORE THEM – Their words mean nothing. Their threats are empty.
BLOCK THEM – Cut them off. No response, no fuel for their games.
REPORT THEM – Let the authorities and police do their job. These crooks don’t belong in your life.

Many of us in this group have been exactly where you are—scared, overwhelmed, and unsure. But we stood strong. And we WON. Now it’s YOUR TURN.

Every time you refuse to engage, you take back control. Every time you block them, you weaken their grip. Y

OU are stronger than them. YOU are braver than them. YOU will WIN.

We believe in you. We stand with you. You are not alone.

Stay strong. Stay focused. Stay safe. We’ve got your back!

#YouWillWin #StayStrong #BlockReportIgnore #WeFightFearWithStrength


PS: Limpeh took time to type this and put nice nice emoji... If you go and reply the Baby Sharks and scammers, they will stick to you like super glue.

So… BOCHUP THEM. NO HIU THEM. Just move forward and win this fight!

YOU CAN DO IT!

 

[Babablacksheeps]

Hi, im new here. Would like to get some advice.
Same old thing, borrowed small amount, able to clear..was allowed to take a bigger loan, and then as months goes by, realised that the deferred payment that i made is more than the loan i owe.
Thus decided to stop all contact with the UML person, that claims to be 'Jayden'.
First the threatening message was on fb comments, there was my picture, details asking me to O$P$.
I told my husband about it, decided to close down our social media.
Then comes the Lalamove delivery, claiming that there's parcel to collect from me. But indeed there isnt.
I made a police report about it, and it was silent... for about 3/4 months.
And the horror starts again last week.
I received a parcel address to me, and there was a dead rat and a picture of me with the o$p$ sign, and apparently my parents also received a parcel which have a live spider inside with the same message. (When i first liaise with this guy a few years back i wasnt married so i use my parents address).
I then lodge a police report both for my house, and my parents house incident. Was advice to put up cctv, which i put up immediately the next day and thus far.. there isnt any 'parcel'.
However, today on one of my aunt fb post, the person commented again with the o$p$ and now there's a video, pictures of my family members including my kids.
So I am very worried. I have already informed my IO about the fb post as well, but according to her there is nothing much she can do.

Now, what do i Do? how do i move forward? I cannot contact the 'person' again as i hv blocked and then change my telco number.
And i cannot ask all my family members to delete their social media accounts as well.
🥹 please help, so I can at least sleep a lil tonight.

Get all your relatives and family members to lock their fb profile by today .

 

[Babablacksheeps]

Speaking from a nok’s pov.

Most of the victim and nok already no face cause it’s all thrown away. There’s no turning back. We all are just VICTIMS.
Nobody knows how long things will lay low and silent before they start havoc again as income affected

those with kids, just close door when kids home and stay calm if anything happens. Just pass gadget to distract them while calling 999. Be it you’re a mother, stepmother , aunty, sister or even grandmother.
take a deep breath and tell yourself stay calm for the kiddos that are home with you.
And monitor the timing so you know when to open the door and close the door


sleep well, enjoy your weekdays and weekends, eat and drink well!
Why bother paying them? The money can bring your families to travel or enjoy themselves at neighbouring country which you can take it as compensation to them or even cafe hopping. Or buying your spouse branded or give them cash.

all we need to do is 见招拆招. A step at a time and follow the flow

just remember, learn the lesson and don’t repeat yourself as victim again.


SO GUYS, JIAYOUS AND HOLD ON

 

[HoldOnLilGirl]

Hi! Today marks the day I reported and started to ghost these fellas. I have been following this thread, and it is largely due to all of you here who gave me the courage and push I needed to do this. I have 6 loans from 4 UMLs, amounting to approx 7k+. Another push was when a 21 day loan was immediately changed to 7 days when he saw I was taking other loans from other fellas. He said to me, since you like taking weekly loans then I change mine to that if you don't pay the full amount within 2 days. He did not allow me to pay for the smaller loan of <1k which he initially allowed me to clear first in writing. Anyways with these fellas, giving their word has no honour. Taking a and flushing it down the has more relief.

I am still embarrassed to tell the other occupant in the house the entire truth, just told him that it is a scam that a former housemate took up and used my address. So that he is aware of the harassment that will come. As I type one of them is calling me asking when $$ will be in. This is his 7th and 8th call.
I believe this is the same Jayden as one of the other members here has highlighted. I do not remember providing him any NOK when I took a first loan in 2020. Maybe he will send me a dead rat/mouse which I will bury in the garden nearby.

All communication with these people is currently archived. I have activated the silent unknown calls feature and removed read receipts as well as ensuring no one can see I am online.
Another one of them wanted to force payment on me by issuing another loan but in the end, he said that a new loan was not allowed and now wants his payment done asap. I did not reply to him, just reading his texts.
I have a feeling they are either under the same "company" or they have some sort of centralised communication platform.

I know I should block them. Also just wondering what else they will say.

I have closed my bank account yesterday and have lodged a police report today.

Have a couple of questions -
1. Regarding the NOK that we provide them, do they consolidate all NOK from other "companies" like a centralised database? Cos most of the recent ones are bogus but I did provide my mum's one to one of them about 3 years ago but did not go through with the loan. Do you think it will come up as well? She is overseas now but I can inform her that I have been scammed and have been focused on.
2. Salary slip - I shared it with a couple of other companies, can they retrieve it too?

Thanks for having this thread, it helps to know the kind of real-time support there.

 

[HoldOnLilGirl]

Btw, the persistent caller sent me a screenshot of the list of neighbours in my block, on the same row as me and asked if I wanted them to **** me up. I know he can't do that. He probably got the list from some property online directory or similar but it also has telephone number links (not the actual numbers but like click on it to view kind). Can someone advice if that is legit and what he can do? Due to PDPA of the neighbours, I will not put it up here.

Do advice. Trying to stay strong and hanging in there.
He is still calling.

 

[HoldOnLilGirl]

Hi, any advice?

 

[SIM37_]

Hi, any advice?

Ignore, don't ever pay, setup cctv, report police.

Let him carry on. They're not sophisticated big time gangsters, they're scumbags.

Keep your money, don't pay, ignore you'll win.

 

[green72]

Btw, the persistent caller sent me a screenshot of the list of neighbours in my block, on the same row as me and asked if I wanted them to **** me up. I know he can't do that. He probably got the list from some property online directory or similar but it also has telephone number links (not the actual numbers but like click on it to view kind). Can someone advice if that is legit and what he can do? Due to PDPA of the neighbours, I will not put it up here.

Do advice. Trying to stay strong and hanging in there.
He is still calling.

Hi, he's just showing off his very limited capabilities to you. Never overestimate their capabilities . Maybe he had to pay to get those data.

Their M.O is the same, to wreck havoc on your emotions by putting in fear but little to nothing they do will ever materialise to physically harm you.

If they send runners to bang at your door, so be it, your course of action is to immediately call 999. Splash paint, call 999. Harass in any other way or form, report or call 999. You get the idea?

They must be made to understand, this is Singapore, land of thousands of CCTV. Offenders caught will get mandatory caning. And they are no Macau triad gangsters. No harm will come to you or your family.

They harder they try, it only means they are losing you as a victim. Because they operate from overseas, they cannot come up with new ways, been like this since few years ago from my own experience.

Keep ghosting, they will try all the usual tricks up their sleeves and WILL give up soon enough.

 

[HoldOnLilGirl]

Hi, he's just showing off his very limited capabilities to you. Never overestimate their capabilities . Maybe he had to pay to get those data.

Their M.O is the same, to wreck havoc on your emotions by putting in fear but little to nothing they do will ever materialise to physically harm you.

If they send runners to bang at your door, so be it, your course of action is to immediately call 999. Splash paint, call 999. Harass in any other way or form, report or call 999. You get the idea?

They must be made to understand, this is Singapore, land of thousands of CCTV. Offenders caught will get mandatory caning. And they are no Macau triad gangsters. No harm will come to you or your family.

They harder they try, it only means they are losing you as a victim. Because they operate from overseas, they cannot come up with new ways, been like this since few years ago from my own experience.

Keep ghosting, they will try all the usual tricks up their sleeves and WILL give up soon enough.

thank you for this. it is these experience-sharing comments that reduce my anxiety by a lot. Appreciate it.