Recover from loan sharks and scam artist.

I know this is pathetic asking for random people for help but I am running out of options. Sorry.

Here is my story:

Three years ago, I was going to propose to my girlfriend. I took a loan and was planning to buy an engagement ring, a decent one. But I guess this COVID took her from me, and we became distant. Maybe it's my fault for not doing much to be able to see her at that time. I'm too afraid that I might catch COVID and infect someone from their home. We were still in line to get those vaccinations. I even bought (loaned) a car just to be able to safely go to her and lessen other people's interaction. But she left me.

I've been struggling my whole life to find someone who would value me. So that I would feel some sort of value in this world. Never had that. I felt it at times but nothing lasted that long. No one stayed. And I thought she would finally stay with me. I'm wrong.

After she left me, I tried to kill myself by always driving fast at night along NLEX heading home. But after many attempts, I'm still here. I got a tattoo after that, on my right arm "Pag-subok" and my left arm "Pag-asa", both in Baybayin. A reminder to myself not to do that again.

Months after that, I'm having trouble financially. I was paying off my car and the loan for the engagement ring. I focused on my work and tried to survive. But I feel an emptiness inside me, I still want to feel loved. Needed. To have some kind of worth. I tried installing in my phone a couple of dating apps. Tried to talk to women there, some were rude but there were a couple of decent.

Then I met this woman, she was about 25 years old (I was 31 at that time). She's nice, kind, caring, and affectionate. She somehow made me feel like there is hope in this world. Weeks of talking

Then I met this woman, she was about 25 years old (I was 31 at that time). She's nice, kind, caring, and affectionate. She somehow made me feel like there is hope in this world. After weeks of talking and I'm starting to know her more. She was still studying and has those irregular menstrual cycles where there are months she doesn't get her period and when it comes most of her blood gets drained away. She's the oldest of 5 siblings and most of them are still below 12 or 14 years old. Her mother is bedridden and her father left them, she's the only one that is somehow capable of supporting her family. But due to those irregular menstrual cycles, she now has anemia. There was also an incident that she fell on the stairs and broke her leg.

I feel like I have to do something, I need to help her out. I care about her. So I started supporting her. I gave her money to have her leg fixed, for their food and utilities, and also for her medicine and her mother's. I was already short of money, but I need to help her. I found out about those online loaning apps and tried one of them. It was 5 thousand pesos for 91 days, and I said this looked promising so I took it, but after I received the money. It wasn't 5 thousand pesos, it was only 2 thousand pesos and the due date was in 7 days. There were a lot of hidden charges and they falsely advertised the loan duration. Then it led to getting a loan from another online loaning app just to pay off the existing one.

Then that cycle happened. It was about 3 months after that, I give her money. I find a way to pay off my loans and borrow from other loans. and so on. Until I told her that I can't find a way anymore, I can't continue giving her money. Then she suddenly disappears. I couldn't get a hold of her, I was about to go to their house in Cavinti, Laguna (I'm from Marilao, Bulacan) but I don't know where exactly is their house. She was just there because I was giving her money. Everything was fake. It was a scam.

A couple of months after that, I'm still paying off those online loan applications. They always harassed me even if I was still able to pay them off on time. But the interest is killing me and my salary wasn't enough to cover everything. Banks won't allow me to borrow from them because I'm still paying off my car and the loan for my engagement ring. I tried to borrow from a colleague of my high school friend. He loaned my money to pay off those online loans. But it wasn't enough, because of those unfair interests. So the money that I got, I tried to invest with a friend who knows about the stock market. He said that he can make my money double in just a month, and thinking that it would fix all my financial problems, I pushed through it. But I fell off to another scam.

At this point, I have nothing. I can't pay off the online loans on time anymore. Then all went past their due dates, they started to harass all my family, friends, and even colleagues. I'm embarrassed and ashamed of all of it. They were able to get hold of all my contact lists on my phone. The permission on their online loan apps to access your contact list was not to easily pull the contact list when filling up their application, it was to capture all of it. I've already raised it to the Securities and Exchange Commission (Here is my reference #: W20221109-977-3) to have this handled but I wasn't able to properly produce evidence against those online loans. They text and call me using random numbers and they don't introduce themselves and what online loan company they represent. They just bombard you with rude and vulgar messages/calls. Then I decided to block them off (turn my phone's airplane mode) because I can't handle them anymore. I've deleted all my social media accounts because of them. I'm still trying to pay them off one by one but their interest just keeps adding up. It feels like forever and I want it to finally stop.

With the little money that I have left every month, still paying off those online loan apps, a loan from my engagement ring, and my high school friend's colleague. I had already lost my car, I wasn't able to keep paying for it anymore. I'm trying my luck, I found out BingoPlus. I think It might finally solve all my problems and get my life back. Just one jackpot. But after months of trying, I still have nothing. This month, I won't be able to pay anything.

Everything was fine before the pandemic happened. Everything is going great. But ever since it started, everything started falling apart. One wrong decision after another. I give up.

I'm not sure if I'm still alive when this campaign reaches its goal. I hope no one would encounter the same fate as I am.