Let's cut to the chase. For just a remaining balance of HKD112 they threaten me for it! Like we've already reported you on the NBI, you're going to have a HITS record or we'll call your Barangay Captain, we'll do a house arrest on u and ur references. So do they really work like that? Do that to their own customers? They kept calling you attracting you to apply for loans or whatsoever gadgets, non stop calls then when u became their customers and had delayed payments, they threaten u they harass you. Such a drastic doings!