basicly, bank themselves are invincible. goverments, in malaysia or anywhere else also bow down to banks. anyway ts, really sorry for your friend. because of responsibility, people screw him up. got some experiences like that also myself, really sadding kalau kena.

anyway, these kinds of syndicates have been around for some time, albeit different names and strategies involved. last time i heard, johor is indeed the capital for 'tarik-kereta' gengsters, but they do connect nationwide tho.