This has crossed my mind a few times.
That sounds logical, but I'm not sure if it even works this way to them. If we demonstrate that we have the ability to pay them back, they will keep hounding us for more and more. I think many of us are in this situation because we have been too "obedient" to pay them defer fees whenever they ask for it and therefore we seem like gold mines to them that they can keep sucking money out of us.
Beautifully written. Moved me to tears. I want to marry your post. You are exactly right.
Ergo, STOP FUNDING CRIMINALS.
There is no other end to this outside of "harassment" (it's embarrassing to even call it that) and worst case scenario, bicycle chains and lame notes to neighbours. The ah longs knew this from the moment you gave them your details and NOK details. They're just nice in the beginning so that they can get as much money out of you as possible without you wising up to their BS and calling the police. It's a sales tactic. They don't care about getting their "money back". What they want is as much of YOUR MONEY for as long as possible as long as you fear them. Stop thinking that you have to "return" what you "owe". This isn't an honour system. Save your "integrity" for honest businesses. These people are criminals. The end will ALWAYS be harassment.