Vsosos, for yours and new victims benefit, I'll try repeat the steps to a guaranteed harassment free life.
Just note, ALL threats are harmless from last year when I experienced it myself, until today. There are 1-2 instance the runner was "creative" and set a small fire outside the victim door. He was caught and prosecuted. The UML was not caught as he/she operates from overseas mainland in Malaysia.
Steps.
1. Report Everything that has happened to SPF. Include phone numbers, your bank account, their bank account, etc. You can use SPF online reporting. No need go down to station. Include screenshots of conversation or harassment messages. Give ALL details. Don't make up any info. An Investigation Officer (I/O) will contact you and he/she will be assigned to your case.
2. With the said Police Report generated after you file online, make a hard copy and report to:
a. Bank. Request close acct and open new acct.
b. Employer.
c. Family members or contacts that you provide their numbers.
Please explain to employers and family your mistake. They can provide help in the form of mental strength and support. Inform them that they will receive harassment via phone calls or/and messages. DO NOT accept their offer to PAY. Tell them, you and them can be liable for arrest as it is considered as breaking the law. Just advice them to ignore as instructed by SPF Investigation Officer assigned to you.
3. From the time you read this, install call blocking apps to stop all calls from UML. The idea is to "GHOST" them. DO NOT reply to any messages. Do screenshot all harassment messages and report it to your I/O via email given as a follow up evidence after the Police report. Screenshot, report and block harassment whatsapp messages.Do the same for your family members affected. Mentally, the messages can break you down, do not be affected. It's empty threats. It's just a scare tactic. Confirm one. Harmless like a fly, Don't lose sleep and eat. You need the strength to go through this. Remain calm at all times. Talk to friends and family. Can also come here and pour your heart out.If changing hp numbers is possible, do so.
4. Install CCTV outside your house. The step is to apply for approval from your area Town council before installing. Please install and apply as time is of the essence instead of the other way round. Don't wait for approval. Don't tell TC you already install when you apply. Once the UML fail to contact and make you pay because you ghost them, for sure they will send runners, to do either of these act.
a. Splash paint
b. Chain lock gate
c. Paste debtor note
d. Scrawl graffiti O$P$ at your home vicinity.
e. Send runner to talk to you via hp with the UML.
The intent is to shame and pressure you to pay. Do not engage them. Call SPF via NPC number or 999. Inform Police operator you have made police report to further make them understand. Provide footage to I/O.
After doing all these steps in quick succession, just brace yourself for impact, that is, harassment from their runners.
If you remain uncooperative and defiant towards any of their harassment by ghosting them and possibly SPF make arrest of their runners based on your evidence, they will soon disappear from your life.I personally guarantee it works.
Do note, you might be call to report to the station because you have tfr money back to the UML for your case. SPF may give you a warning or charge you for that. Accept the outcome, it's better than to continue paying the UML as further bank tfr will one day get you get investigated by SPF if other victims report your bank acct. UML don't use their bank acct, UML use only victims acct to transfer money back and forth.
Be prepared to be scolded by employer, family and friends because of this. Swallow your pride. Be prepared to lose job and friends because of this. You have no other way. Like I said, brace for impact. It will be over soon all these troubles.
To ALL new victims, do not transfer back that very first transaction. Save you the headache of getting investigated. After doing the steps mentioned above, use the money to install a CCTV. That's what the UML money is for.
Please do refresh this page from time to time as I might unintentionally left out certain info and re edit.