He took a loan from one of the Loan Apps in January 2021 and for some reasons could not meet up in payment on the due date.
Within days, the Loan app tormented his life with sms to all his contacts; friends, family members, in-laws, business associates etc defaming and calling him a fraudster, criminal and so on claiming he defrauded a Chinese Company and on the run over a loan of N20k

With all the embarrassments he got after few who got the defaming sms called him, he clears all the outstanding debts and deletes all loan apps completely from his device vowing never to have anything to do with any one of them anymore.

Fast forward two months later 19th March 2021....

He got a threat message from this very loan app calling him out again.

Calling him a fraudster, criminal and how his name has been submitted to Lagos State SCID, email sent to Banks to put his account on lieu and how he will be arrested in a couple of days.

Few minutes later, a friend called to ask why he was still owing these loan apps and getting further embarrassments as he just got another defaming sms.

The young man was so shocked that he immediately called the number that sent the sms and with even further rude response, the lady from the loan app who picked the call went ahead to insult him abit as soon as he mentioned and insisted he was not owing their company. She hung the call severally times on him but he persisted until she requested for his full name for verification. She confirmed he wasn't owing and rather than apologizing she only said 'it was a mistake' and she hung the call again without uttering an apology.

Conversations were all recorded...

If you were in his shoes what action would you take? or what advise would you give him?

You people should stop borrowing from those daredevil loan apps, they will sweet talk people into borrowing but will insult them to stupor

Pple are quick to borrow money but fail to pay up their repayment on the due date, what do you expect?
You want the company to fold up ?