Dear Public,
Please do not engage Universal Debt Management Pte Ltd. John N for debt collecting services. He will ask for deposit but he will not do anything and yet he will not refund the deposit he collected. He will give all false promises. Please be aware of this John N who will eventually cheat us.
If you are taking risk on paying the deposit, you will not get back the principal amount and the deposit. You will have to just forget it like throwing your money in the dust bin. John N is a dust bin.