A friend is teetering on the brink of financial destruction and claims she has been harassed (illegal) by the HK branch of a major international bank (think top 5) that threatens to sue her in spite of a very good argument that the bank has ignored the terms of an agreement between the bank and the friend.
The bank very classily set thuggish Chinese collections agents to call her incessantly while her husband was dying of brain cancer.
The friend could not keep up with payments on something like an HKD20,000 loan, what with cancer being expensive and time consuming. The amount claimed by the bank ballooned to something like HKD95,000, including the cost of the scumbag collections agency. She has doggedly paid every installment and the bank has doggedly marked every single payment late, in spite of it being no such thing.
Prior to suing her, the bank wants to talk. They offered her a "settlement" amount where she only (!!) has to pay $65,000. Since she has no money, the difference between HKD95k and HKD65k is the answer to "is it easier to walk to the Moon, to to Mars?" Both are impossible.
I told her to offer dirtballs the original HKD20k, which I will loan her, and not a penny more. My thinking is if they don't like it, they can go ahead and sue and they'll get sweet frack all. She thinks she has a case against the bank for breaking the terms of a payment agreement and for harassing her.
I am at a loss as to what to suggest. Friend cannot afford a lawyer.
Are there any charities in HK that help with the debt-ridden and harassed? Law firms that'd take her on pro-bono against a banking colossus? Looking for any and all ideas. Thanks.