Loan Shark Harassment and how to stop it

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Jjlin1205

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Honestly, I've been through and done that with 8 LS for more than 5 figures, don't expect them to do nothing. Instead, prepare for the worst and brave through it.

1st, We all know that even by repaying them, there will be no ending, so DO NOT PAY THEM ANYMORE. Keep the money for your family livelihood.

2nd, They capitalize on our fear factor to squeeze the endless payment from us. So, show them you have nothing to fear anymore. Tell them the moment you decide to take LS, you already prepare to face the nuisance from them.

3rd, Yes, they may call your office to make you lose your job. Lets take a step back and think, during the 6 months while I was trying to contain the LS payment, my monthly salary has been sucked dry, and further incurred more loans. It was worst than not working. Hence I decided to go back to zero base, lose my job and no income, but at least I have "no more debts" and won't incur new debts. I started on a new job with lower income, every cents of my salary, i get to keep it for my family.

4th, how many times can they harass you? once twice? Bear in mind that every time they splash paint on your door or graffiti on your wall, they have to spend 100 to 150. Hence it will just be once or twice if your amount is not too big. Furthermore, the one that splash paint are debtor turn runner, once he saw your door is splashed by earlier LS, he will not do it but instead simply take a picture for his boss to "prove job is done".

5th Fully agreed with all the bros and sisters here, family moral support is important. Come clean with your NOK and rest assure you will have no more fear in your heart.

BRAVE ON!
Yes bro we same boat..i quit my precious job cos i work in stat board..during the period of also try very hard to contain the debts without anyone knowing..weekend i drive taxi 15hrs a day just to pay all the loan.

My advice is they they threaten u to disturb yr workplace let it be.worse case quit n find a new job..don't let them suck u dry
 

Ray1969

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Bros and sisters,do not be gullible to think that by paying the LS,it will end the problem. Instead, it will be the beginning of your long term nightmare. Hence bite the bullet,have a short term pain and it will be over.
Do not bring more pain to your family by feeding the LS with your hard earn money. One day when you look back, this is just a hiccup in your life. Fear no more and just move forward with your life.
 

Sharuu

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Bros and sisters,do not be gullible to think that by paying the LS,it will end the problem. Instead, it will be the beginning of your long term nightmare. Hence bite the bullet,have a short term pain and it will be over.
Do not bring more pain to your family by feeding the LS with your hard earn money. One day when you look back, this is just a hiccup in your life. Fear no more and just move forward with your life.

I heard Rocky IV soundtrack in the background while reading this. Very inspiring.
 

Sharuu

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UPDATE:

So Ah Long did contact my NOK again, asking about me/my friend. My NOK demanded payment to release my/my friend's whereabouts with the kind of profound confidence afforded only by someone whose address is not known to criminals.

I won't go into detail, but my NOK convinced him that he would split the money I/my friend owe him with the ah long if he found me/my friend. It involved a charming conversation in Hokkien, a couple of ambiguous pictures of me/my friend and a few fake screenshots. Ah long said he would check with his boss and when he didn't respond after a few hours, we thought we had been caught, so we lost interest. Nobody is that stupid.

We were wrong! He is that stupid! So now my NOK has an additional 500$ in his bank account as deposit to look for me/my friend. Didn't even ask for his details. Legit just transferred money as payment. Granted, it wasn't as much as what we demanded, but it's going behind the pub like the first one.

INPUT PLEASE.
 

Jjlin1205

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UPDATE:

So Ah Long did contact my NOK again, asking about me/my friend. My NOK demanded payment to release my/my friend's whereabouts with the kind of profound confidence afforded only by someone whose address is not known to criminals.

I won't go into detail, but my NOK convinced him that he would split the money I/my friend owe him with the ah long if he found me/my friend. It involved a charming conversation in Hokkien, a couple of ambiguous pictures of me/my friend and a few fake screenshots. Ah long said he would check with his boss and when he didn't respond after a few hours, we thought we had been caught, so we lost interest. Nobody is that stupid.

We were wrong! He is that stupid! So now my NOK has an additional 500$ in his bank account as deposit to look for me/my friend. Didn't even ask for his details. Legit just transferred money as payment. Granted, it wasn't as much as what we demanded, but it's going behind the pub like the first one.

INPUT PLEASE.

Hahaha yr ah long is really stupid...but be careful bro..sometimes they will do things without thinking lo
 

Nas1978

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UPDATE:

So Ah Long did contact my NOK again, asking about me/my friend. My NOK demanded payment to release my/my friend's whereabouts with the kind of profound confidence afforded only by someone whose address is not known to criminals.

I won't go into detail, but my NOK convinced him that he would split the money I/my friend owe him with the ah long if he found me/my friend. It involved a charming conversation in Hokkien, a couple of ambiguous pictures of me/my friend and a few fake screenshots. Ah long said he would check with his boss and when he didn't respond after a few hours, we thought we had been caught, so we lost interest. Nobody is that stupid.

We were wrong! He is that stupid! So now my NOK has an additional 500$ in his bank account as deposit to look for me/my friend. Didn't even ask for his details. Legit just transferred money as payment. Granted, it wasn't as much as what we demanded, but it's going behind the pub like the first one.

INPUT PLEASE.

Seriously.. This Ahlong from where ah??But they deserve this.. Good job. For once.. Someone has done it.. "Throw the cake in their face"
 

Crabx321

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Take abt $600 pay $900. But some ppl want to make full payment but the AL keep delaying till the due date then give account number but cannot make full only can make $300 thn the borrower keep insisting want to make full payment. The AL say can’t cos account full. Thn was to check with AL Got any interest or any extra charges he say no. Today pay the remaining balance of $600 hopefully everything clears
 
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Louis0902

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Take abt $600 pay $900. But some ppl want to make full payment but the AL keep delaying till the due date then give account number but cannot make full only can make $300 thn the borrower keep insisting want to make full payment. The AL say can’t cos account full. Thn was to check with AL Got any interest or any extra charges he say no. Today pay the remaining balance of $600 hopefully everything clears
Ur ah long will definitely ask u deferred again.... Will very last min give u account number so u can't make it on time then will tell u it's not counted.... So ended up u will pay more and more.....
 
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Crabx321

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He said ytd only can paid $300 cos account full. I told him would like to clear. Does the WhatsApp conversation count as black and white?

Ur ah long will definitely ask u deferred again.... Will very last min give u account number so u can't make it on time then will tell u it's not counted.... So ended up u will pay more and more.....
 

Mattdumdum

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He said ytd only can paid $300 cos account full. I told him would like to clear. Does the WhatsApp conversation count as black and white?

There’s no black and white with these cxxts, best if you’ve already paid them more than you’ve supposedly “loaned”, best is to just stop paying them.
 

Crabx321

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Ytd is the first due date. Was told loan 600 pay 900. After that I stop paying do I need to go to al hotline? I’m afraid they will disturb my family and call my nok.

There’s no black and white with these cxxts, best if you’ve already paid them more than you’ve supposedly “loaned”, best is to just stop paying them.
 
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Louis0902

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Ytd is the first due date. Was told loan 600 pay 900. After that I stop paying do I need to go to al hotline? I’m afraid they will disturb my family and call my nok.
As long as u stop paying they will definitely disturb you or ur NOK... It's their protocol.... I din pay finish my full sum also cos I was told to defer n defer so I gave up.... I change number and until now for 1 month plus noting happen.... Because I gave them another of my number for NOK..... lucky I did that... There's no way to disturb me unless they come up my place.... I rather use the defer money to buy n install cctv then to let them suck....
 

minminzx

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Loan $1000 on the 4th. He said make $5200 for total and I did... the next day he called and say need another $1600 because I got 2 line each $500 so 500 pay 800. Then he say $5200 only late payment and interest.... he took my Singpass and address and 3 next of kin number...
 

Sharuu

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Loan $1000 on the 4th. He said make $5200 for total and I did... the next day he called and say need another $1600 because I got 2 line each $500 so 500 pay 800. Then he say $5200 only late payment and interest.... he took my Singpass and address and 3 next of kin number...

Okay...so?
 

Crabx321

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How long till now they haven go up ur place?

As long as u stop paying they will definitely disturb you or ur NOK... It's their protocol.... I din pay finish my full sum also cos I was told to defer n defer so I gave up.... I change number and until now for 1 month plus noting happen.... Because I gave them another of my number for NOK..... lucky I did that... There's no way to disturb me unless they come up my place.... I rather use the defer money to buy n install cctv then to let them suck....
 

Louis0902

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Told u so they will give all lame excuses or avoid u then last min ask u trf which only gives u about 15mins grace.... Once u can't make it..... Consider late liao....
Been a month plus so far my door is still OK...
The guy keep don’t reply me and all. Today suppose to pay 2nd or “full”
I’m so stupid
 
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