From S$500 to S$8000 debts. How did she do it?

say no to loan shark

Ms Sum swallowed 15 to 20 panadol and went straight to sleep. she wish that she will never have to wake up again.
Ms Sum had been under tremendous stressed as she was under often harassment by loan sharks and overwhelming debts.
How she did it?
She simply fall into the trap to loan sharks.

It started when she required $500 to register a manicure course to upgrade herself.
So she turned to an unlicensed moneylender aka loan shark (ah longs) who had been spamming her mobile phone with messages promising easy cash.

They went ahead on the agreement of an interest rate of $150 a week. $150 a week seem pretty easy for her to pay off.
But it simply a sweet trap that she would not be able to get out of at the end of the day.

Soon, she had problem keeping up with the escalating payments. All she do was to turn to another moneylender, and then another.

In a just a few months, she was in debt to eight moneylenders – four licensed, four unlicensed – and the amount had snowballed from $500 to $8,000.

By then, the harassment from the debt collectors and the loan sharks was beginning to take a toll.

Immediate action to be taken:

For the loan sharks and unlicensed moneylenders.
• Stop paying unlicensed moneylenders, and make a police report.

• Work out your plan and budget and see if you can negotiate for a more reasonable repayment plan.

• Approach Credit Counselling Singapore for help.

• Focus on your family’s needs and seek their understanding

Helplines for borrowers

• Credit Counselling Singapore on 1800-225-5227 or e-mail

• The Silver Lining on 6749-0400 or e-mail

• One Hope Centre on 6547-1011 or e-mail

• Blessed Grace Social Services on 8428-6377 or

• National Council on Problem Gambling on 1800-6-668-668 or e-mail

No matter how much they make you suffer, it is not worth it to take the life of a human being


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