1) Loan sharks, operating under the guise of licensed moneylenders, are getting bolder in seeking new ways to advertise their services.
2) Besides the usual flyers, business cards and posters on trees and lampposts, they are now putting up advertisements on taxis.
3) These advertisements on taxis would offer personal or “easy” loans. Some would even feature a chart on the repayment schedule.
4) Taxis which carry such advertisements have been seen in Kuala Lumpur, Petaling Jaya, Puchong, Subang Jaya, Shah Alam and Klang. The telephone numbers provided on the advertisements are local lines.
5) These so-called licensed moneylenders charge interest rates of 25% to 33.3% a month.
6) Under the Money Lending Act, licensed moneylenders should charge between 12% and 18% per annum.
7) And just like loan sharks, these “licensed” ones resort to intimidating tactics such as taking possession of the borrowers’ bank account books or ATM cards.
8) Several calls been made to the numbers seen on taxi advertisements and found that the moneylenders have a similar modus operandi.
9) Usually, the person answering the call would not reveal much, but instead invite the caller to visit the office.
10) Potential borrowers are required to bring along their identity cards, payslips for three months and ATM cards.
11) Its office is situated inside a shopping complex in the city. Visitors have to buzz a bell to enter.
12) When asked for a RM3,000 loan the company would only release RM2,250 while the balance would cover processing fees.
13) He went on to say that there were three repayment schemes. Under the first package, borrower must settle the RM3,000 in 30 days. It is very straight forward "we give you RM2,250 and you have to settle RM3,000".
14) The second package would give borrowers a three-month repayment period during which they must pay a monthly instalment of RM1,360 for three months.
15) The third package is very simple. You have to pay RM750 per month until you settle the RM3,000 loan. The amount would be withdrawn monthly with the ATM card until the RM3,000 was settled.
16) The loan would be released within an hour after the borrower’s personal documents were verified.
Note: Sounds like easy. But when come to default or late payments, this is where SHARKS comes in with tonnes of extra charges.
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