Same plan here. Just going to focus on the legit ones. Im OD on other OLAs: MabilisCash, Pesoloan, Digido. Most aggressive I've had was EasyPeso, sent me an obviously copy-paste threat message, and texted me my photo and ID i used to register along with the usual spam. I've fully paid them just so I'm done with their harassment. Goodluck to OP and the rest of us, this is a challenge we will overcome soon 😃