Ts treat it as money gambling lose or bursa saham. Life is short yolo, mostly everyone die at 60 yo

They play the physo game. Once u panicked, they hook u in. Depends on the emotional state of the person also during that call. Many professionals, rich poor young old, type A,B,C all also kena.

shit bro, this is why i damn paranoid with the rate of how much scams cases are rising. everyone is damn desperate in trying to earn more due to rising cost of living so they are getting more easy to prey on

its not the end of the world, but the feeling really sucks. last time i only kena skem on buying a phone, wasnt huge amount (<1k) but fuck i feel like i want to vomit just rethinking about it

Borrow from fren and family? Pay credit card by installment?

yeah this is another of my fears, confirm will fucking panic, its like imagine if you get a call one day and was told one of your family members got kidnapped, give RM10mil ransom or else.. you dont feel safe already when people threaten you this way. its a whole diff level kind of fear struck into you

but the main gist ive taken from your case is to always be calm, dont rush to react and think it thoroughly before doing anything. especially when it involves money

this is normal, your brain will always remind you of stupid shit that youve done in the past. can be something minor like failing an exam which makes you feel dumb

but ultimately rice is porridge ed, so best to do is to continue living and move on. if there was a button to go back in time heck i would SMASH it to go back in time to undo my stupidity

Yes it is a dumb mistake but stay strong. Your family needs you. You will recover from this.

It is not about being stupid. It was them planting the fear in you! Because generally, normal human will freak out when it comes to involvement of police and court! And the fear mongering by the public over unfairness of the court process whenever the verdict is not in favour of them. Giving the idea, oh you are nobody, you are screwed.

My granduncle who is always alert/smart about anything to do with money nearly got scammed during COVID19 time. He was lucky, I was there to stop him (because he was acting suspicious/unusual, my granduncle who is a very old school person, refused to use a handphone and out of sudden asking me how much does a handphone cost!   ans he pushed me away when someone called his homeline). Well thanks to LYN for kept on posting about the modus operandi. My granduncle really takut I tell ya!

They planted fear in you because most people do not know the police process or even court process. Yes you can get caught something you have never done, but if you have proof, why scared? Police can just confiscate your phone and found nothing linking you to the criminal activity. They have forensic unit to do that.

The only thing you can tell yourself from now on is, if you have never done anything wrong, what is the need to be scared? That should safe you from being manipulated in the future.

I mean bro what's your IQ? How are you adulting if you fall for this shit. So irresponsible!!

Harden your mindset and take it is an expensive life lesson. Everyone has a prime fatal weakness and the scammer successfully used that on you (in which I presumed is your family).

Money can be earned back with time.

It is a difficult journey at first because of debts. Talk with genuine debt management programs like AKPK, to avoid getting bankrupt. It is tough to get a good job if you are a bankrupt.

Think positive and do it for your family. Some people needs more motivation than others, but try to self motivate.

Forget about those posts scolding and berating you, they had not experienced their worst time yet.

Scammers are good at mind games. In a moment of weakness we will fall prey to fear, greed, kindness, lust.
Lessons learnt, we have to move on.

GO to the bank, tell them your problem, show them the reports, and cancel the card. Go into a repayment deal, do NOT let the bank hit you with 18% late payment charges, thos are ah long rate..

For credit card issue, you can try approach AKPK. They will mediate with the bank on your behalf and get rates/ period that bank will never give to individual.
Work out a payment plan with them that won't burden you, the repayment period might be long but you will be able to manage month by month.
You won't be able to use any CC for a period though so keep that in mind.

On the flip side, think of this experience as a RM 20K+ tuition. You definitely won't make the same mistake again.
If it helps, be grateful it is "just" RM 20K+, not RM 200K life savings like some retiree kene. Best of luck to you.

Sad to say this but almost zero chances. Enforcement here is very lax unless Ur someone of influence . The police will always say they will update U untill U just give up asking and the banks will keep pushing the ball to police thats why scammers are so widespread here

Hi TS, sorry to hear your loss. Mistakes were made and you're owning it, so credit where it is due, you have my respect. It's not easy at all to come forward to the public to share your situation, as you already experienced first-hand: many are quick to get on their high horse.

I see you're doing quite ok handling the "higher-ups" so keep it up, no pun intended

My personal story: I was a victim to a family who got scammed by a "friend" till bankruptcy (I had to help, which meant shouldering some debt). Compared to your story, I'd say you're doing very well on:
1) your intentions - you were desperate to protect your family where you thought they were possibly in danger. You weren't greedy.
2) your accountability - you're not afraid to admit your mistake despite knowing you'd get laughed by the public. It's okay to hide from your partner for now: not all truths need to be told immediately; there's a time and place for certain truths. That said, hiding this from your partner means you must be able to handle it without affecting your family at all. They must know if you would end up troubling them in any way.

--
To those confident and smart people: good luck in your life and may your judgement never be clouded.

ALso, just wanna put this here.

If you're young, starting your career etc... 20k might seem the world to you and losing that will hurt alot. Totally understand and I have been there.

But, give it time, by the time you're an old fag like me, you will look back to that amount of moneyand smile thinking it was a good lesson and not worry about it much.

For credit card issue, you can try approach AKPK. They will mediate with the bank on your behalf and get rates/ period that bank will never give to individual.
Work out a payment plan with them that won't burden you, the repayment period might be long but you will be able to manage month by month.
You won't be able to use any CC for a period though so keep that in mind.

On the flip side, think of this experience as a RM 20K+ tuition. You definitely won't make the same mistake again.
If it helps, be grateful it is "just" RM 20K+, not RM 200K life savings like some retiree kene. Best of luck to you.

you also need to remember one thing. the police's job is to investigate crimes and catch criminals

in a scam case however, they have no way at all to do any of this considering its all related to bank transactions and digitally. the most they can pin the crime onto are onto the "owners" of the bank accounts you have banked in to

in reality thats where their jurisdiction ends cause they have no resources at all to combat these level of crime

Reading post number 1 on the first line already can guess that this is a scam.

This kind of scam is so famous that local news already highlights so many times.

The moment your call transfer to police officer, that's a scam.

They are using the basic tactic of scam all the time. They just spin a little bit and people always took the bait.

For myself, being chronically online on Reddit and Forum Lowyat helps me a lot.