Loan Shark Harassment and how to stop it - Part 2

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What is LML? I got loan scam via WhatsApp a few days ago.

Made police report
Changed phone number.
Officer in charged say go atm machine transfer them back the $500 they gave me. No less.

They wanted $800 (means extra $300) but I learnt that I’d feed more they will keep it up and continue with harassment.
They went crazy and sent lots of messages and those burning photos to us. He told my wife that he will print my face and put everywhere in the block.

I’m honestly distraught. I asked the inspector he says if they really wanna do such things they won’t tell u. They just do it.

Can someone tell me these loan scams do they really come up to your place?

I also installed Cctv already. I’m still distraught. Though I changed my number my wife refused to. I just feel very upset and worried they will disturb my family.

LML= licensed Money Lender.
U mention “ Officer in charged say go atm machine transfer them back the $500 they gave you.” R u sure? IO wont ask u to transfer money back to those scammer. Please report that “ Officer” to higher authorities.

We cannot confirm whether those runners will come or not. Be vigilant. some runners do come, some are just empty threads. Most important, block all their numbers, do no pick up their calls or reply their sms. Block them. Be uncontactable. If can, changed your numbers. Close all tour social media accounts. Alert your family members, neighbours and employer.
 
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happydonkey

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LML= licensed Money Lender.
U mention “ Officer in charged say go atm machine transfer them back the $500 they gave you.” R u sure? IO wont ask u to transfer money back to those scammer. Please report that “ Officer” to higher authorities.

We cannot confirm whether those runners will come or not. Be vigilant. some runners do come, some are just empty threads. Most important, block all their numbers, do no pick up their calls or reply their sms. Block them. Be uncontactable. If can, changed your numbers. Close all tour social media accounts. Alert your family members, neighbours and employer.
Yes because the inspector says they transferred. If I don’t return I get into further trouble. Cox they don’t even get back their original amt. I have young kids at home. I’m scared.

The moment i returned I ghosted then. No extra given to them. I don’t want their dirty money too.

Office has been notified. The only thing I cannot change is my address. I’m terrified. I cannot function properly
 

happydonkey

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I’m distraught can anyone share with me if how many got harassed. I really very scared. Will they really disturb my neighbour
 

green72

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I’m distraught can anyone share with me if how many got harassed. I really very scared. Will they really disturb my neighbour
I won't explore further with regards you returning the amount. The act of returning the money means either you know the account or loanshark give you another victim account. Either way, what you did is money laundering. You are sure this what your I/O advised? All I/O in charge of loanshark cases are expert or specialised in that field, not random police officer. If the other account owner that receive your transfer make a police report, your bank account will be freeze for investigations. That's why don't pay or return the money, how "dirty" you feel is the ill-gotten money. Parked it aside, withdraw it and put under your pillow if need be but don't return back. It won't change the situation, they Will some how harass you in one form or another.

Anyway, you did the necessary with regards to police report, cctv and others (except returning the money). No amount of sleepless nights can change the situation. Just be prepared to make more police report if harassed. Call 999 if need police presence if you suspect someone is outside your house.

Ghost the loanshark, and keep on ghosting. They will give up even if they try to harass your house by splashing with paint or other nonsense. Normally for $500, maybe they will try once or so. It doesn't matter if you already return the money since you have engaged them, they will try to harass. So, no point returning the money, might as well get a mid to high end CCTV with it.

Stay vigilant. Don't worry about your children, the idiots they send are not professional hire, just normal people like you and me, loanshark victims. No experience harassing people, just following the loanshark instructions.

3 strokes of the cane is their reward no matter if the harassment only putting O$P$ notes on the wall. These runners will be caught and since I follow the police news, very successfully.

Stay vigilant. Rest and eat well. Your need all the mental strength to think for any contingencies that may arise.
 
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cmt2309

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So it's been months since I last visited this forum - I was previously involved with UMLs but after reporting to the SPF and immediately ghosting them, with weeks and a month or so of harrassment from phone calls to mailing my photos and details to my neighbours, it was finally peaceful. Unfortunately, just recently I received calls again on my homeline and it took me back by surprise but much wiser now, it's not as daunting as when I first had to go through this ordeal. Obviously the person harrassing me now is someone different from previously but he uses the same name. I'm unable to change my homeline due to reasons but I've ignored the calls and blocked and reported whenever the UML calls my personal mobile. I've also installed a CCTv already from my previous case so now I'm back to being vigilant.
 

green72

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So it's been months since I last visited this forum - I was previously involved with UMLs but after reporting to the SPF and immediately ghosting them, with weeks and a month or so of harrassment from phone calls to mailing my photos and details to my neighbours, it was finally peaceful. Unfortunately, just recently I received calls again on my homeline and it took me back by surprise but much wiser now, it's not as daunting as when I first had to go through this ordeal. Obviously the person harrassing me now is someone different from previously but he uses the same name. I'm unable to change my homeline due to reasons but I've ignored the calls and blocked and reported whenever the UML calls my personal mobile. I've also installed a CCTv already from my previous case so now I'm back to being vigilant.
I also never change my homeline but mine is the old analog line not the current digital one that many household uses.

I subscribe to Caller-ID and Call Divert service to my hp after 3 rings. Once diverted to my hp, my call blocking app will either block or accept the call based on my contact list. Those not familiar numbers will get a hang up dial tone.

For my mailbox, I can lock the slot so only Singpost can put letters.
 
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happydonkey

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So it's been months since I last visited this forum - I was previously involved with UMLs but after reporting to the SPF and immediately ghosting them, with weeks and a month or so of harrassment from phone calls to mailing my photos and details to my neighbours, it was finally peaceful. Unfortunately, just recently I received calls again on my homeline and it took me back by surprise but much wiser now, it's not as daunting as when I first had to go through this ordeal. Obviously the person harrassing me now is someone different from previously but he uses the same name. I'm unable to change my homeline due to reasons but I've ignored the calls and blocked and reported whenever the UML calls my personal mobile. I've also installed a CCTv already from my previous case so now I'm back to being vigilant.
Can I ask is it also phone scam? And just for phone scams they sent photos to your neighbours?
 

green72

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Can I ask is it also phone scam? And just for phone scams they sent photos to your neighbours?

I know you are stressed out on what harassment you will receive.

In reality these UML or Scammers have no standard harassment practice.

For them, they will try whatever harassment they feel appropriate on that day to scare you.

Of course, they won't do all that we have shared here. Each runner sent to harass cost them money, so they won't spent so much on 1 victim non-stop.But of course if they know your salary is high, they may try a little bit more.

Even they get tired calling you continously just to harass on the phone if every victim they have ghost on them.

So all victims must stop paying and ghost them, not just those who shared their problems here but also those reading this thread.
 
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happydonkey

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I know you are stressed out on what harassment you will receive.

In reality these UML or Scammers have no standard harassment practice.

For them, they will try whatever harassment they feel appropriate on that day to scare you.

Of course, they won't do all that we have shared here. Each runner sent to harass cost them money, so they won't spent so much on 1 victim non-stop.But of course if they know your salary is high, they may try a little bit more.

Even they get tired calling you continously just to harass on the phone if every victim they have ghost on them.

So all victims must stop paying and ghost them, not just those who shared their problems here but also those reading this thread.
Yes I am really stressed out. I didn’t eat the entire day. I’ll probably knock out because I’m too tired thinking and even crying that this has happened. So much stress on the family. I’m feeling very hopeless.
 

happydonkey

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Thank u so much. I have read thru so many pages and you have given me somewhat confidence.

Fear is still growing definitely. I’ll try to install phone blocker for NOK.

Still praying for no runners to come to my place worry it will scare the kids.
 

happydonkey

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And I really want to tell u that as I’m as distraught and kept bugging the IP. He really did say if want to I can transfer back to them not using my bank a/c but via atm. So I won’t be involved in illegal money laundering. But he told me not to give a single cent extra.

I had conveyed how worried I’m for my kids. I don’t want to share too much details in case the uml is watching. It’s also weird IO tells me not to tell them I have made a police report. He told me to just ghost them.
 
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And I really want to tell u that as I’m as distraught and kept bugging the IP. He really did say if want to I can transfer back to them not using my bank a/c but via atm. So I won’t be involved in illegal money laundering. But he told me not to give a single cent extra.

I had conveyed how worried I’m for my kids. I don’t want to share too much details in case the uml is watching. It’s also weird IO tells me not to tell them I have made a police report. He told me to just ghost them.

If you need a counsellor, please get help from Blessed Grace Social Service. They provide free service for people dealing wil uml.
https://www.bgss.org.sg/
 

cmt2309

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I also never change my homeline but mine is the old analog line not the current digital one that many household uses.

I subscribe to Caller-ID and Call Divert service to my hp after 3 rings. Once diverted to my hp, my call blocking app will either block or accept the call based on my contact list. Those not familiar numbers will get a hang up dial tone.

For my mailbox, I can lock the slot so only Singpost can put letters.

My mailbox is the kind that only Singpost delivery staff may access from the room but previously the UML had decided to waste their money by posting (stamps and all) so many (and I mean a whole lot of letters per household! A few of my neighbours showed to me but they were very understanding of the situation).

I will look into the call divert though. Because I do have caller ID but it gets annoying when the phone keeps ringing.
 

cmt2309

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Can I ask is it also phone scam? And just for phone scams they sent photos to your neighbours?

Unfortunately no, I did get involved with a UML. I had initially thought they were licensed but it was a bad decision made on my part.

From what I'd gone through, other than ghosting their calls/ignoring their threats, and making the necessary reports to SPF, it's best to explain to your neighbours about your situation also so they may help to look out for runners (do install a CCTV - it really helps).
 

happydonkey

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Unfortunately no, I did get involved with a UML. I had initially thought they were licensed but it was a bad decision made on my part.

From what I'd gone through, other than ghosting their calls/ignoring their threats, and making the necessary reports to SPF, it's best to explain to your neighbours about your situation also so they may help to look out for runners (do install a CCTV - it really helps).
Sorry to hear that. I hope yours will be solved soon. I shared this case finally with someone not within the family.

He unfortunately was involved though the dad was the one who loan ums Abt 10-15 years ago. It rolled and rolled till over 2-300k. One day the dad nvr came home (suicide) and he was left to fend to pay off all the debts. But it can nvr be paid.

Finally ghosted. And last time the runners really more fierce unlike now. Speaking to him he gave me an assurance that life can be normal again.

I’m sure it will be for you too
 

cmt2309

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Sorry to hear that. I hope yours will be solved soon. I shared this case finally with someone not within the family.

He unfortunately was involved though the dad was the one who loan ums Abt 10-15 years ago. It rolled and rolled till over 2-300k. One day the dad nvr came home (suicide) and he was left to fend to pay off all the debts. But it can nvr be paid.

Finally ghosted. And last time the runners really more fierce unlike now. Speaking to him he gave me an assurance that life can be normal again.

I’m sure it will be for you too

I'm so sorry to hear about your friend that you mentioned. But yes he's right - the harrassments by runners these days aren't comparable to the ones from older days. It's mostly just threats and phone calls/sending love letters or if they feel like wasting their money by sending runners to harrass the homes.

I've been through this before, and while it's stressful it will come to a day when they'll get sick of harrassing me and stop. This goes to everyone else going through the same situation as me on this thread - be vigilant and if you've done the necessary steps mentioned countless times here (do read through this whole thread, the info shared here was what gave me the strength to face this issue), just know that these scammers/UML runners can never harm you physically. Always inform the SPF if you oy notice anyone suspicious loitering around your home and just know this ordeal will pass so be strong.
 

happydonkey

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I'm so sorry to hear about your friend that you mentioned. But yes he's right - the harrassments by runners these days aren't comparable to the ones from older days. It's mostly just threats and phone calls/sending love letters or if they feel like wasting their money by sending runners to harrass the homes.

I've been through this before, and while it's stressful it will come to a day when they'll get sick of harrassing me and stop. This goes to everyone else going through the same situation as me on this thread - be vigilant and if you've done the necessary steps mentioned countless times here (do read through this whole thread, the info shared here was what gave me the strength to face this issue), just know that these scammers/UML runners can never harm you physically. Always inform the SPF if you oy notice anyone suspicious loitering around your home and just know this ordeal will pass so be strong.
Yes thank you. Staying vigilant. My fight just started. The harassment is for a day. But I know more will come after ** is over.
 

green72

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happydonkey, believe us when we say what you are experiencing, we have gone through it.

Sleepless nights for days during initial harassment. Posting my fears from 1-4am here during that time almost daily in the toilet for advise and to maintain my sanity. Worried sick for my family like you.

But things change after I did the necessary steps.It's normal to react the way you did.

The trick is to quickly snap out of it. Mine happened when my son got pissed with my super scared behaviour and told me off that these UML only getting under my skin. Empty threats. Get a grip of my life.

Yes, they may send runners soon. Just act accordingly if those clown do harass.

If they lock your gate, they won't hang around, they run after locking. On your part, call 999 and police will help break lock.

If splash paint on door. Buy paint remover and repaint your door. If walls around it got splash, call town council to repaint those walls for free. Don't forget to call 999.

You see, stop being tense (easier said than done). Just like clockwork prepare a list of what to do after the harassment. It will keep your mind focus.

I even bought a large fire extinguisher, a wearable alarm to scare intruder and 1 more cctv to prepare myself. Even thought of getting metal baseball bat, diy chilli spray and many more but realise I can get into trouble with the law if I hurt the runners. Best is to help new victims here.

Don't let UML instill fear in you, block them. It will soon return to normal. Good luck.
 
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hopingandhoping

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As of now are just phone calls.

Hello... i got the exact same **** as you... best part, they even profited from me and still wanna kajiao. I reported the case to police and was tagged to one IO.
Anyway, Did they continue to harrass you? What did they send to ur NOK?
 

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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