Pedestrians in Tsim Sha Tsui and around the MTR Austin Station have been warned about the aggressive tactics of “money-borrowing gangs.” Reports indicate that scammers are targeting individuals in these busy areas, using deceptive excuses to solicit cash from strangers.
Targeting Lone Pedestrians
A warning shared on the social platform Threads highlighted a specific incident involving two men dressed in white shirts. These individuals reportedly surround women walking alone, claiming they are unable to withdraw money from the bank to pressure them into lending cash.
The reporter urged the public, particularly women, to remain vigilant when walking alone or waiting near Austin Station. They recommended seeking help from bystanders or nearby staff members if approached.
Variations of the Scam
Online discussions reveal that these schemes often evolve. Some victims reported being approached by two women claiming they needed money to grab a child to the doctor, while others encountered groups of three—two men and one woman.

Similar incidents have been reported at High Speed Rail station convenience stores. In some cases, scammers use Mandarin to approach targets, while others have successfully borrowed significant sums, including one report of “several ten thousand” dollars lent to a man from mainland China a decade ago.
Effective Counter-Measures
Netizens have shared several strategies to deter these scammers. One highly recommended “harsh move” is to simply reply with three words: “Report to police!” (報警吧!), which reportedly causes the scammers to abandon immediately.
Other suggestions include offering to take the individual to a police station to borrow money or advising them to call a credit card center hotline and wait at an ATM for staff assistance.
For those wishing to avoid interaction entirely, some suggest wearing earphones—even if not listening to music—and pretending not to hear or understand the solicitor.
Potential Developments
As public awareness of these specific tactics increases via social media, scammers may likely shift their locations or modify their excuses to avoid detection. More people could begin adopting “avoidance” strategies, such as using earphones, to minimize street-level harassment.
Frequently Asked Questions
What is the primary excuse used by the “money-borrowing gangs” in Tsim Sha Tsui?
The scammers typically claim that they are unable to withdraw money from the bank and ask pedestrians for cash.
Who are the primary targets of the men in white shirts near Austin Station?
They specifically target women who are walking alone or waiting in the area.
What are some recommended ways to respond to these scammers?
Recommended responses include telling them to report the matter to the police, suggesting they go to a police station, or pretending not to hear them by wearing earphones.
Have you ever encountered a similar solicitation while walking in the city?
