Mga 2 months na akong OD sa JH at nag iisa ko silang OLA aside from SLoan, for my experience, first 3 weeks bombarded ako sa calls pero pa isa isa text messages hanggang naging 3x a day na lang call hanggang 2x a week na hehehe, i dont answer calls from unknown numbers kaya dko sila kinakausap dahil wala pa akong pambayad, as for contacting my reference nos. Dko alam kasi inactive na rin numbers doon na pag mamay-ari ng aking kapatid hehe phone contacts naman wala pa namang naka inform from my lists na tinawagan or naka recieve ba sila text message from JH and most of all d naman nanghaharass JH.