Helpers and their loans!

I've had my helper for several years now. I trust her and she's great with the kids. However, recently I found out she got into the trap of "guranteeing a loan" for another helper. This happened before she worked for me. Of course, like many cases, the actual borrower has skipped town and now the collection agency is harassing me with phone calls and letters. Worst yet, they have my address and I'm afraid they might show up at the house.


What should I do? I've already changed my phone line. Can they force me to pay her debt? Will they come to they house to collect?


Should I let my helper go? Aside from this I'm very happy with her performance.

thats not ur problem..thats her.and the bank cant force her to pay aslong as she dont sign anything.thats being legal.verbal s useless..so dont worry and better keep ur helper for she s good

If you helper has gone guarantor for a loan for someone else with a bank and it's in writing and signed, and that person with the actual money has not made repayments, then she is legally bound to pay the loan back.


It is not your problem, it is your helper's problem. You need to be clear with her that this is her choice to do this. If you are being harrassed by the people wanting the money, then contact the police and complain.


As for keeping on your helper, that's a tricky one, if it is interferring with her work and care of your children, then you may need to let her go. However, the loan is not your business and she is your employee, not a family member. She needs to deal with this personally. Do not fight her battle for her.

Hi there,


the exact same thing has just happened to me, I am so sad and shocked but understand it is very common. We have expressly told our helper that no such thing will be tolerated yet she still goes and guarantees a loan for her 'friend' who is no longer in HK. The thing that saddens me most is that until this happened I thought that the sun shone out of her she was absolutely great with everything but I now feel no trust with her and feel I have no option other than to terminate her contract. It makes me feel like I

am a terrible judge of character.

This seems to be a never ending theme.....

Something needs to be done with regard to how loans are guaranteed!!!

Where is Lego in this matter?

Island Hopper

I am not suggesting passing further laws, but implementing the ones we already have in place for legitimate businesses that make loans based on collateral and not simply the basis of a 2 year contract. I am suggesting that the existing laws be enforced against the triads that are behind this.


You can't possibly be saying at all of these loans are legitimate simply because they have been signed by a guarantor! Sufficient security in my mind is called "assets and collateral" NOT a contract.

If the girls themselves are making the loans, where are they getting THEIR money from? You can bet it will trace back to some shady type of person looking to make money on the backs of the HK DH.

Perhaps it shouldn't be Legco, but ICAC

It is illegal for the loan sharks to tell an employer their employee has debt. These guys have broken the law and rely on DH to be scared to lose her job to get the money off them. That's when DH can do anything out of desperation.

Personally I would help her. If not financially, then with advice and moral support. Definitely get the Police involved, these guys should not be a threat to your helper, you, your kids ... or to anyone for that matters.

Chances are she doen't even know what she's signed up for. Help her understand the terms and conditions set by the loanshark so she can work out a way to repay them. Next time the b*stards call, or show up at your door, tell them you'll call the police if they ever harrass you or your family and helper again, that you know they've broken the law and they will get in trouble if you take it up with the Police. That will show them your DH is not alone, and that you're not scared of them.

I don't agree w/ greenvalleys here, what the guys are doing is harrassment and intimidation, this is something the Police can get inlvolved about.

My former helper was in similar situation once, was even beaten up by a guy while out grocery shopping, and eventually admitted to me she owed them 500$ (!!!!! can you believe it?) I leant the money to her and she paid me back over a few months. She learnt her lesson and never got into this kind of trouble again.

Of course this problem was easily solved because the amount was so small, but had it been bigger I would have still stood by her because she was a good honest woman and I trusted her entirely with my kids. This is priceless.

Dear Wongdini,


From most of the case I know that the loan they taken from some finance company which also offering gifts for those who borrow money are from them self. She said that she become guarantor of her friends that's very true cause her friends also become her guarantor to borrow some amount of money.


That's why we need to educated this people to be aware of this kind of facilities the finance company offers.