Alvin and GD, thanks for your further advice. I already concluded liao. one day he cannot be mentally prepared for the remote chance of door-painted, i or nobody can help him. actually, today is the first installment (yes, last week zhao again because no acc), i told him, take account number, trf 500 and inform him all cleared, thanks for the loan. next time need money will find back him, make a friend. but he scared, he scared that he trf 500 instead of 100 will anger the shark. i give up on him liao. he say he dun mind wasting 100 a month just to buy peace for his family. i really give up on this guy. how come i not shark and he not my debtor?