In all three occasions, the loan shark padlocked my main gate, splashed paint on the main door and left scrawls on the wall.

What puzzles me is I am an innocent victim who did not take any kind of loan from a loan shark. In addition, I have never lost my identity card or acted as a loan guarantor for anyone. So how can I become a victim of a loan shark?

The only reason I can think of is that someone has 'hijacked' my address and registered it on his IC. With that, he can take a loan from the loan shark. Even if he defaults on the loan, the loan shark cannot trace him and in the end, an innocent victim like me gets the bashing.

This harassment has caused stress, anxiety and frustration to me and my family. I have the following questions:

The address registration system is such that anyone can change his address at a police station or neighbourhood police post without any verification from the owner of the property. Is there a need to review the system and impose an additional authentication procedure such as endorsement from the home owner before change of address on the IC can be done?

Can the police trace the individual who registered my address on his IC without my authorisation and take action against him in this case?

The loan shark wrote his contact number on the wall with the big sign 'O$P$'. I called this number but no one answered my call. However, it is a StarHub-registered number. With this information, how can the police not be able to trace the loan shark who vandalised my house and terrorised my family?

Leck Hwee Joo