What to Do If Your Helper Borrows Money from a Loan Shark in Singapore

Discovering that your domestic helper has borrowed money from a loan shark (illegal moneylender) can be alarming. Employers often worry about the safety of their household, the helper’s well-being, and how to resolve the situation responsibly. At Teo Express, we guide employers through sensitive issues like this with calm, clear steps.

Here’s what you should do immediately if your helper is involved with a loan shark.

1. Recognise the Warning Signs

Look out for red flags that may indicate loan shark involvement:

• Frequent, anxious calls or messages during rest hours
• Fearful or secretive behaviour
• Letters, messages, or phone calls demanding repayment
• Threatening graffiti or vandalism at your home

If you suspect something, gently speak to your helper in private and ask if she’s in financial trouble.

2. Stay Calm and Supportive

Many helpers turn to loan sharks out of desperation—not malice. Stay calm and assure your helper she won’t be punished for being a victim. Express your concern for her safety and your family’s.

3. Encourage Her to Stop Communication with the Loan Shark

Advise your helper to immediately stop engaging with the loan shark, especially through WhatsApp or phone calls. Continued contact can make things worse.

4. Make a Police Report Immediately

If your helper has borrowed from a loan shark, you or your helper must make a police report as soon as possible. This is critical to:

• Protect your household from harassment or vandalism
• Help the police track and stop illegal moneylending networks
• Prevent your helper from being caught in a growing cycle of debt

You can call the Police at 999, or visit your nearest Neighbourhood Police Centre. You may also call the X-Ah Long hotline (1800-924-5664) to report anonymously.

If your helper is afraid to report, offer to accompany her and support her during the process.

5. Inform the Employment Agency

Let your maid agency know immediately. If you hired your helper through Teo Express, we can:

• Assist with communication and emotional support
• Liaise with MOM if required
• Help arrange transfer or safe repatriation if needed

Even if the helper wasn’t from us, we’re happy to advise and guide you through your options.

6. Avoid Paying Off the Loan

It may seem like the easiest way out, but paying off a loan shark can encourage more harassment. Once they know you're willing to pay, they may demand even more.

Instead, focus on working with the police and your agency for a legal, safe resolution.

7. Consider Ending the Employment

If the situation is affecting household safety or work performance, and cannot be resolved, you may consider ending the employment. This should be done through proper channels with your agency’s support.

Conclusion

A helper’s involvement with loan sharks is serious—but manageable with the right actions. Don’t panic. Report the situation, seek professional help, and support your helper through the legal route.

Teo Express is here to support you—contact us today for discreet advice and assistance.

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