@ahpanpan i dont agree with your second way, my say is if u have the money bring ur family out n enjoy or buy urself somethjng. Dont ever go and pay them, once u pay they talk nicely when u wan to closed account they will talk rubbish.
My encounter is,for example i pay and pay them, today 300 next week 300 the next next week 300 and finally another 300 add total 1200 alrrady when i onli recieve 700 from them with a 1k loan. After the final payment i cannot tahan i tell them i wan closed account. Can!!!!!!! You dep 300 first then talk after dkne they say eh now late already this and that ribbish all come out . So why pay them!!!! Like i say before we are borrower we wan to pay them but who's the fu**** who make this all hapoen is them theirself so they blame only themself if they cannot recover thier money back.
Tactic they use is easy to know.
1) call you ( but you no ans n no courage to talk to them)
2) call your office let the whole office know you own ls money ( but what can they do?)
3) call you nok and pressure them to help you pay and tell this and that. Send whatsapp fire burning griffity la splash paint la this and that. Create a grp chat add everyone inside and start all nonsense over n over again.
4) send lalamove or MacDonald up to look for you and when they arrive they will pass you the phone and the ls will start father mother here smelly there smelly all come out.
5) splash paint lock gate sebd love letter ( last resort liao)
What else more can they do???
What you need is chill dun worry about anything now. If thsy really come just take donwn the time and date spf will handle it. Jus keep you door open ans install a camera. Jus sit back and relax la. Nothing to worry off. The runner ccome out they are more scared then you do. So realx and chill.
Fully agreed what this bro have mentioned. Just bear with it and ignore your face value thats all and move on with life. If keep paying sooner or later its you yourself suffer more than they do. Ls will only take double the funds you have borrowed and rollover to others.