Received a text message saying that they are license money lender and also with a Whatsapp link to enquire with them.

Gave them my personal particular such as ic photo, payslip and contact number.
before the loan was approve, they said their company procedure was to start a trail loan. at this point of time i really did not realise i am dealing with unlicensed money lender.
they proceed to transfer me the trail loan amount and 5 days later when i inform them i want to clear the amount and cancel my loan, they say they got no bank account to clear off my loan. however only defer of loan is allow. at this point of time I realise i am dealing with unlicensed money lender yet i was afraid as they had my particular so i gave in.
after deferring the loan for another 5 days, they told me the same reason again. after transferring them a total of 4 times, all these transfer to them, it was always different bank account. until one day they text me and said their company are choosing new customer to borrow our bank account to transfer money to their supplier. i really couldn't take the pressure and stress. i proceed to the NPC to file a report and block the contact.
but things didn't end here, they contacted me using other number, threatening and harassing me. from their tone of reply, they were pissed off, and start raising and shouting using the voice message.

The whole experience has been traumatizing.

Editor's Note: Please note that all licensed moneylenders are NOT allowed to advertise online (including social media), through phone call, SMS or messaging apps. They are also not allowed to approve loans remotely but only at the registered office locations. 

Some scammers / unlicensed moneylenders will impersonate licensed moneylenders by using their name, licence number to set up fake websites. 

If you wish to get in touch with a licensed moneylender, only get touch through the contact details shown in this list: https://rom.mlaw.gov.sg/information-for-borrowers/list-of-licensed-moneylenders-in-singapore/