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Matters of the Heart. Has a Commercial Fuck turned into a torrid Love Affair which has turned your life upside down? Fear not. We have experts here who can help you through your roller coaster ride. Tell us your story and we'll do our best to help.

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  #1  
Old 29-01-2018, 12:29 PM
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Bad personal debts

Hi Bros..

Have loaned out some money and having problem getting it back as the debtor keep avoiding me. Amount not really huge but i hate the feeling of people avoiding me.. if he answers my call or message to prolong payment date.. I can accommodate with it but running away is pissing me off.

Question for bros:

1) Get debt collector help? Their typical rates/commission?
2) I have the whatsapp messages of him asking for loan and my transfer record to his bank account... consider legal?
3) Any bros in debt collection industry able to provide some heads up?

Thanks.
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  #2  
Old 31-01-2018, 01:01 PM
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Re: Bad personal debts

Quote:
Originally Posted by funboi View Post
how much.....
15k sgd...
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  #3  
Old 31-01-2018, 04:34 PM
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Re: Bad personal debts

Quote:
Originally Posted by old_yet_horny View Post
15k sgd...
From debt collector, you need to pay a admin fee and they charge about 20% of the borrowed sum, but they may take their time and this may drag on for a long duration.

Another way is to approach a lawyer and let them advise you if it's still possible to pursue based on the whatsapp messages.

If lawyers say can then they will file with the court for a garnishee order and force the borrower to pay up or try to declare him bankrupt.
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  #4  
Old 01-02-2018, 02:50 PM
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Re: Bad personal debts

Quote:
Originally Posted by ramon View Post
From debt collector, you need to pay a admin fee and they charge about 20% of the borrowed sum, but they may take their time and this may drag on for a long duration.

Another way is to approach a lawyer and let them advise you if it's still possible to pursue based on the whatsapp messages.

If lawyers say can then they will file with the court for a garnishee order and force the borrower to pay up or try to declare him bankrupt.
TQ Bro.

Debtor already responded after I told him I will pursue the debt through legal means.

Will expect partial repayment soon.
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  #5  
Old 02-02-2018, 12:42 PM
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Re: Bad personal debts

Quote:
Originally Posted by old_yet_horny View Post
TQ Bro.

Debtor already responded after I told him I will pursue the debt through legal means.

Will expect partial repayment soon.
Brings back some memories. Lends ppl $$$ to please them but we suffer. Chase them for payment, they either bo chap you or scold you for being pushy. KNN. Some people just dunn appreciate.
  #6  
Old 04-02-2018, 03:03 AM
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Re: Bad personal debts

Quote:
Originally Posted by BlueDemon View Post
Brings back some memories. Lends ppl $$$ to please them but we suffer. Chase them for payment, they either bo chap you or scold you for being pushy. KNN. Some people just dunn appreciate.
How many of you still remember your literature lessons back in junior school? There was one phrase that I learned from one of Shakespeares play and it stayed with me all this time.

"Neither a lender nor a borrower to be"..... I'd rather donate the money to him/her if a friend is genuinely is in financial difficulty. If they choose to return it ....fine. But even if they dont return it.... I will never ask them for it.

But there certain categories of people I will never help. Those that get into financial difficulty from gambling and those that are living a lifestyle beyond their means.
  #7  
Old 04-02-2018, 04:26 AM
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Re: Bad personal debts

Quote:
Originally Posted by old_yet_horny View Post
Hi Bros..

Have loaned out some money and having problem getting it back as the debtor keep avoiding me. Amount not really huge but i hate the feeling of people avoiding me.. if he answers my call or message to prolong payment date.. I can accommodate with it but running away is pissing me off.

Question for bros:

1) Get debt collector help? Their typical rates/commission?
2) I have the whatsapp messages of him asking for loan and my transfer record to his bank account... consider legal?
3) Any bros in debt collection industry able to provide some heads up?

Thanks.


hi bro don't believe the debt collectors.they are the biggest scam.will collect on your behalf but won't return.check debt collectors who deafult online.best is legal means but male sure lawyer is recommended and always shop around for a cheap one.
  #8  
Old 07-02-2018, 09:51 AM
Juuni Juuni is offline
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Re: Bad personal debts

which reminds me this army friend of mine, borrowed him some money after 5 years we ORD'ed, and until now haven't gotten single payment.

I consider it write off, since no point clinging to it, won't get back in the end.
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Old 08-02-2018, 04:09 PM
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Re: Bad personal debts

Quote:
Originally Posted by trans5425 View Post
How many of you still remember your literature lessons back in junior school? There was one phrase that I learned from one of Shakespeares play and it stayed with me all this time.

"Neither a lender nor a borrower to be"..... I'd rather donate the money to him/her if a friend is genuinely is in financial difficulty. If they choose to return it ....fine. But even if they dont return it.... I will never ask them for it.

But there certain categories of people I will never help. Those that get into financial difficulty from gambling and those that are living a lifestyle beyond their means.
Fully agreed
  #10  
Old 11-02-2018, 01:38 PM
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Re: Bad personal debts

Quote:
Originally Posted by old_yet_horny View Post
15k sgd...
15k, interest free... u will be 1 of the last to get back ur $ if u dun apply pressure on him.
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  #11  
Old 11-02-2018, 02:44 PM
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Re: Bad personal debts

TS so rich ah.. borrow me lol
  #12  
Old 14-02-2018, 12:35 AM
Bizsta Bizsta is offline
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Re: Bad personal debts

Quote:
Originally Posted by old_yet_horny View Post
TQ Bro.

Debtor already responded after I told him I will pursue the debt through legal means.

Will expect partial repayment soon.
partial payment and the rest work out an instalment plan
  #13  
Old 17-02-2018, 05:00 PM
jameschong1 jameschong1 is offline
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Re: Bad personal debts

Quote:
Quote:
Originally Posted by Bizsta View Post
partial payment and the rest work out an instalment plan
u confirm stupid!
he pay partial, 1 instalment, then will not pay anymore.
then yr trouble start all over agaiin.
  #14  
Old 17-02-2018, 11:28 PM
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Re: Bad personal debts

Quote:
Originally Posted by jameschong1 View Post
u confirm stupid!
he pay partial, 1 instalment, then will not pay anymore.
then yr trouble start all over agaiin.
so what do u suggest a better alternative to recover the debt.
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