Paiseh I hijack the thread a bit... this one really my friend case not my case. 2nd half of this year, he borrowed from 3 LML to tide over a difficult period, they have just been recently cleared using his bonus. he pay on time and sometimes in advance. In other words he is the dream debtor for these LML. this is not the matter. what happen was after the 2nd month, a illegal ML called him, without even checking his physical IC, the loan my friend 500. wat happen was during the conversation, when persuading my friend to take, he suddenly proclaim he already trf 400 into my friend acc counted as weekly loan (those who know how to advise would know what this mean)!! this shows only one thing, he is intro by one of the 3 LML. no need check IC and no need ask for my friends POSB acc. this is not the worst! every time reach 4th installemnt, he will say today no acc or acc max liao. cannot transfer in, no choice have to "zhao"! this went on few times and my friend fed up and sometimes when reach 1st or 2nd installment, my friend want to clear but that guy warn no matter how much my friend transfer, he will only count as 100!! he is now so trapped. he lied he is going overseas assignment so must clear, he say nvm, he hold the acc for him (duno wat this mean). my friend lied he kana police investigation for CBT, acc may be checked, he say he not scared. my friend so scared and trapped. my friend is the ta-too ta-too type cant speak very well, and dun even tok abt arguing wif unreasonable ppl. and fucking scared house kana if he dun comply. so for the last few months, although he dun need this loan, he has been wasting 100 every few weeks to "zhao" cuz everytime he wan to clear, the reply is always no acc. can do what huh? i duno how to help him or advise.