Loan Shark Harassment and how to stop it - Part 2

green72

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Hi, I desperate needed money to pay off my bank loans and so I replied a money lender msg. Aft which I gave him all of e particulars e.g ic,office number, acc no n NOK numbers. In a few mins later den I realized I was very very stupid to fall for this. They already bank in 700 and in a few days they need me to transfer bck 1000.However I back out n told the person I dun wan to borrow anymore. Need him to send his acc no but her would not send me his acc to close. I'm scared n worried. What should I do....

Alia88, STOP transferring the money. Hold on to it and follow the steps below. Anyway, most of us are in a similar financial plight as you and realized only later we actually got scammed by this so-called faceless LS.

1. Make a police report. You can do it online if you feel going down feels embarrassing or intimidating.

2. Stop replying anymore to the LS. Change number or install call blocker apps that allows ONLY your known contact list to go through. I use an android phone. I install an app CALL BLOCKER by Vlad Lee on mine and NOK phones. It works wonders.

3. Close ALL your social media accounts or set to the highest security level, this includes your WhatsApp. The purpose is to prevent them from harassing your friends through these social media platform. Emails should be ok as you can spam filter trash email.

4. Use Police Report to make a report to your bank about this illegal money transfer. Let bank decide what to do with the fund. Some ask bank to transfer back. Some just close the account. Some inform bank and park the money there and let bank/spf do what they deem fit. The idea is, don't deal with the LS with regards to funds transfer.

5. Use the Police Report to inform your office. Explain to you employer you are scam online and your office will receive some harassments calls. Remind them to make a police report, yes, you feel bad for troubling them but they will appreciate that you inform them before hand and not have to explain yourself if it happens afterwards.Their support is the utmost importance in this trying times.

6. Inform all NOK that you gave their number to about this. No choice, have to be honest. Same, just say you got scam, which in actual fact you did. Again, Their support is the utmost importance in this trying times.

7. Use the Police Report to apply for CCTV installation from your Town Council. Apply and install ASAP. You have to buy and get it install yourself. This in preparation for the second phase of harassment in which they may/will send runner.

You just have to accept it that they WILL send runner. Better be mentally prepared with a CCTV rather than get caught surprised. But no need worry, as I mentioned in previous post, the runner also is a scared person too. They are as kan chiong as you. Scroll back past post on what normally they will do. Nothing that is life threatening.

Then after all this, just ready yourself to call 999 if you feel threatened. As an Investigating Officer will be assigned to you, do update him every time . He/She can be contactable by phone or email.

Last, get all the rest you can get. Eat and drink regularly. Some of the previous lady victims here got a crash diet due to this. You need all the energy and strength to go through all these bravely, with your loved ones preferably.

Just waiting it out can be stressful and tiring. I suggest you go out and have a simple outing jalan-jalan to destress even for a couple of hours with family or friends. It really helps. Don't worry about the LS when you are out, they won't have the manpower to employ people just to follow you around and harass you.

That is only in the movies. Best of luck and stay strong.

Just to remind everyone, those LS are reading all these too. But so far these steps seems fool proof and worked for everyone so far that I know, if you follow exactly. For myself, the LS is the least of my concern until now after I myself got these advices from the fine people here.
 
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green72

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Today the LS harrassed me using another number after I blocked 2 previous numbers. He threatened to come up to my unit and find me. But I am just ignoring him for now

If they want to waste money then they send people up. You shouldn't be bothered with this threats.

You shouldn't answer any calls that you are not familiar with. They can carry 20-30 numbers with them.

Continue to ignore. They WILL surely give up. Not that you owe them a million dollars, even so, ignore them is the only solution.
 

green72

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This is very encouraging. A few months ago, i had fallen for a loan scam. The initial weeks were really bad. I could not sleep and was badly affected.

I told my company and family and they were all super supportive. My bosses helped to pick up all my calls. My family and friends kept me company so i dont go home alone

The initial weeks were quite hell because i felt very jumpy, always looking over my shoulders. I even had 999 on speed dial just in case. If i am home alone, i would latched and lock the door.

It has been peaceful few months for me.i changed my number. I now sleep better, carrying on with my daily life.

It will be hard but it would get better. Must have faith with our police. Dont pay them, they will have 101 excuses to bleed you dry.

I read through part 1 and 2 of this thread. And thanks everyone! Following the advices that were given here was the best decision i made. Hopefully people would read this forum before falling prey to these scumbags

Great for you. Sadly your last sentence "Hopefully people would read this forum before falling prey to these scumbags" only happens AFTER the victims falls for it.

But nice to know these steps works for you and me too.
 

seowliao

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Then I. Paid the full amount of 600 on sept 25 209 using UOB deposit machine. Now this guy still messaging me to whattsapp and saying coz i paid using deposit machine instead of bank transfer they cannot find my payment. So I keep urgued and tell him its not my problem asked your accountant to check I send to you already the copy of receipt. Bank transfered or deposit using machine is still the same it sill credited to your account. The same account number you give. Even if your auditor will check that you are over of 600sgd. It is imposible that my payment is not credited. send me the copy of proof of delivery if no deposit will complaint to UOB.

the worry here is not whose accountant is going to audit their statement ! The concern is you might have accidentally credit into another lender or victim account !!! If the other party will to make a report, you will get implicated and would have more things to answer ....

NEVER ASK for account to transfer back..Leave it to the bank to reverse the transaction
 

Bluejeans 75

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the worry here is not whose accountant is going to audit their statement ! The concern is you might have accidentally credit into another lender or victim account !!! If the other party will to make a report, you will get implicated and would have more things to answer ....

NEVER ASK for account to transfer back..Leave it to the bank to reverse the transaction
Thanks. For replying, how am. I going to do? He keep. Calling now and sms me as of this moment.
 

Bluejeans 75

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May not be a good idea. I know employment pass holder may get in trouble with the law, in terms that the EP holder can and will be deported back. SPF will decide on a case by case basis. We need to be careful with our advice but of course if it's our local, don't need to hesitate to report.

bluejean75 is a dependant pass holder. Not sure what the law entails. He/she needs to find out if reporting will implicate him/her to be deported. Very gray area here.

BUT, if you feel threatened, of course, always call 999. No hesitation.
I understand thank you
 

seowliao

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No need answer. Put on silent or switch off phone.

bro is correct..break ALL contact including your social media. Beware of those private or unknown numbers. disable your paynow function .Stay low profile

If you are in immediate danger..CALL 999
 

Nas1978

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Hi, just asking for advice.
Not sure i m still in the right page.
I help a fren to take up loan from LML and now, she is uncontactable. Total amount is 5K. I have a copy of her nric and the written agreement with her signature. Can someone advice me
 

green72

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Hi, just asking for advice.
Not sure i m still in the right page.
I help a fren to take up loan from LML and now, she is uncontactable. Total amount is 5K. I have a copy of her nric and the written agreement with her signature. Can someone advice me
My advice is try to visit her address and seek help from her family at that address on her whereabouts.

Since you take up the loan, you have to deal with the LML.

Not much you can do to recover money from your friend unless maybe through legal means. You can make a police report on her if you feel she is cheating you.

Sorry to say, this thread is for LS harassment victims.
 

Zerofury6@gmail.com

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Hi lets say i no longer staying at that address that i provided to the ls will they still come to splash paint will the ls conferm thats yr house before doing anything or they just dont n just splash it
 
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green72

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Hi lets say i no longer staying at that address that i provided to the ls will they still come to splash paint will the ls conferm thats yr house before doing anything or they just dont n just splash it
Should be last known address. But who ever staying there consider kena sabo. If they report you, you have to answer to SPF.
 

Zerofury6@gmail.com

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Should be last known address. But who ever staying there consider kena sabo. If they report you, you have to answer to SPF.
If I already made a police regarding the ls treats n in the report i also stated i no longer staying there will the police still charge me
 

denzone81

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If I already made a police regarding the ls treats n in the report i also stated i no longer staying there will the police still charge me

No longer staying there as in u sold off the house or? Did u engaged the ls before or after u move out?
 

n0isyEsc0bar

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And so i attended a Loanshark forum by the police recently, not that i owe anybody/LS any money. It was very informative and funny actually.

Let's say u owe a loanshark $300. This loanshark will probably harass you for awhile only. Seems that the rate for knocking on door is 80, splash paint is 150 and i can't remember what was $300. So you see, for a loan of $300, why would a loanshark waste so much money to send multiple times a runner to harass u?
Loansharks are businessmen. Their interest is just money. So they also not stupid, will calculate how much they stand to lose before harassing you. But in any case just be wary la. If you owe 500k, then it makes sense for loanshark to harass you everyday to collect back their money.
Main idea here, according to police is to not pay and suffocate the loanshark. Imagine 10 people owe loanshark 1k each. If none pays, loanshark will lose 10k. You think they can sustain for how long?

Anyways i have been an avid reader of this thread and I feel, based on the language and grammar of some posts and their content, can't help but think many loanshark are also in this thread reading and replying.
 
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Wha all of you got good IO. I called my IO 1 mth ago and leave message and my hp no. but till today he never call me back at all. LS came to splash paint for more than 1.5 mths, I received a letter from SPF informing me that they have exhausted all the leads, is it to say that I am on my own and the runner who splash paint is still at large. I am very worried what LS will do next?

That is why when get splash paint, you must report 999 immediately when the lead is fresh. Let SPF do their job to hunt down the runner with their CCTV.

If after being splashed and harassed, you still ignore them and REFUSE to pay, what do you think they will do? Give up and move on to the next victim loh.
 
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