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Loan Apps: I Have Used My Hands To Bury Myself - Business (5) - Nairaland

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Re: Loan Apps: I Have Used My Hands To Bury Myself by N2B2: 10:27am On Jan 12, 2022
Degunners:


Thanks. Do you know any of these financial institution I can approach to consolidate my loans. I have to get the therapy, not just because of the loan but to sort out the root cause of the problem.

I grew up in a home where we couldn't afford most things and I so much hated it, so I really don't know how to handle lack.


The bold line is your problem: you're already looking for another loan, which you know you cannot repay.

Even if a benefactor came to your aid, you'd still go back to taking loans. You may start with a small amount you can pay back, and then another small amount, and another... Boom, you're back to square one.

Your OP is a tirade laced with self-pity. You're not angry at yourself that you aren't reaching proper life goals; you're just sad that your borrowing habit has caught up with you. Worse, you're used to embarrassment [the terrible type only loan companies can bring]. It doesn't seem to bother you.

All the therapy in this world won't help you if you aren't determined to ditch your borrowing habit. It's sad because you went as far as using your wife's account to take loans (as you said in another post here).

Things will change the day you decide you've had it.

4 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Soffyh(m): 10:27am On Jan 12, 2022
Dreytonisback:
Just 500k you they complain , they do do , they jump jump , they shake shake waist

First of all try to get some chills , act like you owe nobody
Concentrate on life as if you owe no one , keep your registered line away , to avoid their calls
Debtor no dey go jail, na so my Edo people talk am , if u go jail who go pay?

Here's the stupid thing about debt fears, you completely forget how to get the solution, you only think of who can help you with the money or borrow you whereas nobody send u message

Stop that fake life of trying to impress any mfvcker
Getting won't even help bc the pay is shit
Omo I no know wetin to tell u oo

Abi u no get property wey u fit sell wey reach 500k ?
Sell am , ask ur friends make Dem come use style rob your for night and pack away the properties make ur woman no suspect u grin grin

Lights up my kpoli in peace
werey man grin

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by kokomilala(m): 10:27am On Jan 12, 2022
It's your bad house-keeping. You need to separate your needs from your wants,and discipline yourself against profligate waste.
At times, the difference between the rich and poor people, aside improvements in opportunities, is good financial house-keeping. Luxury items and ostentatious lifestyles should be sacrificed for essential needs .
In your case, there's no point beating you further ,since you've honestly done a self-flagellation. You just need to find a way to clear these debts.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Trumptech(m): 10:27am On Jan 12, 2022
Guy you never borrow from carbon and branch the thing never complete. Dont worry everything has a peak, when you get to the peak of your action and the embarrassment too get to the peak you will stop.
My one cent.

6 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by einsteine(m): 10:27am On Jan 12, 2022
The only way out is to default.

Except for the Kuda which I believe is an overdraft and the palmpay, the rest apps come from unregistered money lenders who will have zero recourse to get the loan other than the usual blackmail of embarrassing you.

So default on the debts. For those thinking this is unethical, if he has been paying them interest for even two months, then he has more than paid the principal of the loan and they are basically lending him back his own money over and over again.

So default.

Another option is to find a source willing to give you a consolidation loan at a much longer tenure and at better interest rates. Abroad, there are such companies but in Nigeria, your best option is to get one of these loans from gtb, sterling or access. If you get 600k, you will pay about 78,000 monthly for a year and clear it up. You can also propose such a loan to an individual.

But why go through debt consolidation? Default on your loan and stop subsidizing other people that have defaulted on theirs. You have basically paid interest as high as 150k on a 50k loan and will keep paying if you don't do the sensible thing and default NOW.

3 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by kay4kay: 10:28am On Jan 12, 2022
Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

You can still collect from the following

Fairmoney
Aella
Branch
Then you can stop

Re: Loan Apps: I Have Used My Hands To Bury Myself by LordVarys1: 10:28am On Jan 12, 2022
When there were no loan apps, people still manage to survive, but now because of the ease in getting these monies. Everyone just take their phones and use their own hands to enslave themselves.

What I did was to approach a bank and get a loan. Cleared everything and I'm at peace now. I am servicing just a loan with a good repayment plan that do not trouble my sleep.

Best place to get a loan is your regular commercial bank.

Be wise guys

7 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by superior1: 10:28am On Jan 12, 2022
@Degunners
You are already critical of yourself so no need from me.

Seek help fast, spiritual help first because what we don’t see controls what we do, get a deliverance minister (genuine ones o) and attack the spirit of poverty, debt accumulation is the younger brother of that spirit.

Then get a financial consultant, he should help you look at your income, remove your operating cost and help you spread repayment t. Also use your wife, give daily expenses to her at the beginning of the month, be collecting only your daily expenses from her in the morning and never ask to keep account. Let her manage the account for you, that’s why two heads are better than one.

May the Lord see you through this challenges in Jesus Name.

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by skana28(m): 10:29am On Jan 12, 2022
Bro, A big step to stopping this act is to open up to your wife. She will get angry and feel betrayed because you have been lying to her. Its normal. But she will eventually help you come out of these. You will be amazed that she can support you with words and precautions to prevent you from going back.

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by MorataFC: 10:29am On Jan 12, 2022
I don't get it, but I think once you registered with one loan app with your BVN another one can't accept you again
Re: Loan Apps: I Have Used My Hands To Bury Myself by God1000(m): 10:30am On Jan 12, 2022
Degunners:


I don't think I have low self esteem. I just don't know how to say know. I'm this kind of person that has free hands I can give out my last kobo just to make someone happy to my self detriment.

I'm someone like you too, but trust me I've made up my mind not to help anybody to my own detriment including family members
Re: Loan Apps: I Have Used My Hands To Bury Myself by ENIGMATIC2023(m): 10:31am On Jan 12, 2022
This is too much. But I blame those loan apps who keeps giving you without checking your credit worthiness.


Try and pay up before it leads you to depression.

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by NGArmyTerrorist: 10:34am On Jan 12, 2022
Thanks for coming out to say the truth and for other ones hiding, may God forgive you for killing other people's investments.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by einsteine(m): 10:34am On Jan 12, 2022
instinct57vm:


What did you with the money you collected?

He's paying interest so basically taking a loan to pay another one and it compounds.

The combination of short tenor and high (25-45%) weekly interest means someone who took a 60k loan today could potentially be owing 500k in six months because he would keep looking for new apps to pay off the old apps. Unless you pay off and delete the first one but who in his right mind would take a loan of 60k to pay 90k in 14 days if they have somewhere they are getting money from?

OP's solution is to simply default. 90% of the apps on his list are not registered financial institutions. There's nothing they can do other than embarrassment which is better than loan slavery.

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by CJ310(m): 10:35am On Jan 12, 2022
Stop going out to flex. I repeat, stop going out to flex. Stay at home and stay out of trouble

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by emmykk(m): 10:35am On Jan 12, 2022
Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?


I thought the loan app have a way of not giving loan when they realized you are oweing other loan

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by Cleanworld(f): 10:35am On Jan 12, 2022
Degunners:


I have some few stuffs I can sell but my wife is the issue because I keep denying of taking any loan whenever she gets any message from them because I used her account to borrow from palmcredit.

She and my baby traveled and I'm tempted to dispose some few things like my home theatre, gen and fridge.

For me I don't mind selling everything to clear these debts and start over because I believe within six months I should be able to replace everything.

How do I handle my wife is my main concern because I have been lying to her

I'm sure you must have learn your lesson now. the only thing to do now is a way out of this mess firstly, don't ever sold your items without gining your wife a tangible reason for doing so if not she might start to take you for somethign else.

so call her and let her know that you have a serious issue concerning money at the office and you must pay this missing money back by selling all this things. Assure her that you will replace them back with even more better and bigger ones. if truelly your wife loves you she might run around to get half of that money for you.

if you have truely made up your might God will surely make a way.

You saw a loan app as free money but you don't know that its nothing but a trap for those who don't know how to pay gbese.

goodluck

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by Psoul(m): 10:36am On Jan 12, 2022
Born2Breed:


Don't go and kill yourself eh. Even Nigeria dey owe.
This phase will pass trust me. Just find a good hustle to make money and in no time you will clear the debts. Stop taking other loans.

With life there is hope!

Didn't you understand him?
He said, even if he managed to clear this mess, he didn't see himself changing from the foolish lifestyle.
He said it has happened before and it will continue to happen.

So I don't know what he want us to do.
I believe that once someone was able to detect the source of his problems, the problems are half solved.
This one knows that his fake life style is the source of his problems, still he is telling us that there is no hope of solving his problems.
So, let him dwell with and in it.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Nobody: 10:36am On Jan 12, 2022
Best Advice Ever... Find a way to start making money. Emancipate yourself from the grip of perpetual insufficiency. It's possible. It's doable. Just adding to what Born2Breed said... Identify a good hustle and start earning... No matter how little. Just make sure you win In your own little way each day... This is my life philosophy. Always try to Win. Stage it. I don't care. Most times our brain don't know the difference... But I guarantee you the feeling is always good that way your brain will start gravitating toward things that you can win at...

Born2Breed:


Don't go and kill yourself eh. Even Nigeria dey owe.
This phase will pass trust me. Just find a good hustle to make money and in no time you will clear the debts. Stop taking other loans.

With life there is hope!

3 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by einsteine(m): 10:37am On Jan 12, 2022
ENIGMATIC2023:
This is too much. But I blame those loan apps who keeps giving you without checking your credit worthiness.


Try and pay up before it leads you to depression.

These loan apps are loan sharks.

Their strategy does not involve credit worthiness. It is preying on people's desire to avoid social and public embarrassment. They need just 20-30% of the people to keep repaying loans in order to be profitable. Even with 40-50% default rate, these Chinese loan apps are making money hand over fist.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by NGArmyTerrorist: 10:37am On Jan 12, 2022
Not only you, those people complaining of sms harassment are part of it including a friend of mine who is a pastor in the zoo who used my Local number to do nonsense and they keep sending me whatsapp messages concerning him. Can you imagine, a pastor. And if tried calling him, he will be evading my calls thinking that I am calling him for this loan app stuffs.

1 Like 1 Share

Re: Loan Apps: I Have Used My Hands To Bury Myself by specialmati(m): 10:38am On Jan 12, 2022
Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

grin grin grin grin grin enroll to agboro work if you they lagos under 3months you go make the money,but you have to be closing late at night

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by einsteine(m): 10:38am On Jan 12, 2022
emmykk:


I thought the loan app have a way of not giving loan when they realized you are oweing other loan

That's only for registered financial institutions like Carbon. Most on his list are run by Chinese fly by night operators laundering criminal Triad money from China.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Maxwell4404(m): 10:39am On Jan 12, 2022
Oga make I be your manger since you get good Income and you still dey borrow mlmey from loan, I fit manage your bank account and as well mange your life, is like your family were once rich and later became poor but you still have that rich feelings, You never serious for life... YOU'RE A MUMU MAN



Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

Re: Loan Apps: I Have Used My Hands To Bury Myself by gulfer: 10:39am On Jan 12, 2022
All those AMCON debtors are walking free so what is N525K grin grin grin grin grin but bros, are you into gambling because this looks like the pattern gamblers follow...start small, lose, borrow more to stake and recover, lose...and the cycle goes on and on shocked shocked shocked shocked shocked

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Milly44(f): 10:40am On Jan 12, 2022
Borrow from fair money so that you can complete it to 500k

1 Like

Re: Loan Apps: I Have Used My Hands To Bury Myself by iwaeda: 10:40am On Jan 12, 2022
Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

What did you do with the money?
How are you paying back?
Stop competition.
It is well with you soul, be prudent. Stop eating outside.
Re: Loan Apps: I Have Used My Hands To Bury Myself by GrandMasters: 10:41am On Jan 12, 2022
The only way out is this

Default....don't pay them back
Be ready to be blackmailed and calls from your family, enemy and friends...it will last for like 3-4 months....after that.....your bvn is gone.....you will never be credit worthy again to any financial institution or any family and friends( cause nobody will trust you again with money)

Then you are free like a bird

And start a new life( in short time you will receive your lost dignity back from family and friends if you turn a new leaf)...time heals).
Thank me later

3 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by OkikiOluwa1(m): 10:41am On Jan 12, 2022
Degunners:
I just need someone to scold me badly, maybe it will help me get sense.

Seriously I can't just believe at my age I still do the things I do.

Right now I am in deep hole of debts from these loan apps. Can you imagine someone taking loans from more than 10 apps? Yes that someone is me.

Presently if I should add up all the loans it will be close or more than 500k. The annoying thing is this is like 3yrs now I have been struggling with these apps.

I once was able to clear all the loans but like a dog going back to it's vomit, I still went back to them (I seriously need delivarence).

Why I'm so ashamed of myself is because I didn't take these loans mostly because I don't have a good source of income but because I don't know how to save and I am very extravagantly wasteful. I loving feeling rich, I can buy beer and flex anyone those I know and those I don't.

Thought getting married will help but for where like I got worst after that.

I seriously don't know how to come out of this mess I dragged myself into. Because these loan apps will only give you 7days loan with very high interest. I have been servicing these loans throughout last year and I don't want to continue this year.

I have already spent more than 200k this month alone on interest alone because I have to borrow again to be able to pay others.

I'm owing the following apps:
1. Fastmoney 70k
2. Imoney 50k
3. Gocash 38k
4. 40k
5. Palm credit 70k and counting this is long over due.
6. Kuda 50k
7. Next credit 21k
8. Mint loan 35k
9. 9jacash 12k
10. Add money 9k
11. Ncash 9k
12. Ducredit 70k
13. Ajeloan 15k
14. Easy Naira 12k.
15. Cashsea 26k

I'm even scared to add the total but this my current reality. Virtually all are 7days loan.

I don't know how a sane human being can get to this stage, I don't want to attribute anything to anyone or some village people. This is my owing making, and I have been living with this burden for long. I was hoping to get a job that will pay me like 500k at once but none for now.

I dont even know what next to do. I have alot of other responsibilities to cater for.

I don't even have friends or relatives I can run to. I am writing this because I deserve all the insults in the whole world. I deserve to the stoned. Though I will never take my life because of this, God forbid but I can't grow with these on my neck and it's really weighing me down.

I can't remember when last I genuinely smiled or laughed.

I'm determined to find a way to over come this problem. That's why I'm here.

I know you guys will come for my head but I'm already in this shot so I will accept any insult. But please if someone can say something to help me a little I will appreciate.

I'm not breathing fine but I'm currently harvesting what I planted.

Wish I can get a counselor or therapist who can help me because I'm scared that even if I suffer and clear these I might not learn my lesson because it has happened before.

What can I do please?

And Nobody should give you money to repay these loans.
My offense with you is how you flexed your money with people.
Can't you go to them & let them flex your repayment.
You wrote this thread to gather sympathy & easy bailout from one Samaritan.
You must pay for your stupidit y.
So I m not gonna pity you.
Go and work hard to repay all loans first. Then come back here with evidence of payment & testimony so that people can help you reset your life with any assistance they can give.
If we all collect loans anyhow or spend lavishly, you won't v anyone to run too in times of loss.
If those loan companies are like you, they won't v enough to borrow you.
I dey vex.
Bring one nairaland jihadist/terrorist make I break hin head with bottle

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by emmykk(m): 10:42am On Jan 12, 2022
MorataFC:
I don't get it, but I think once you registered with one loan app with your BVN another one can't accept you again

He is living in lies..this is modern online begging. I know it,he is thinking some good Samaritan will get his attention.And from the tune of the write up you will know.

All loan apps have a central base to know who is committed to another loan app already or so they will not give you loan.

He is living seriously.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by egoldman(m): 10:43am On Jan 12, 2022
KillIgbohoN0W:
[s][/s]

Your total debt is N527k.
Cheers.

If the above figure is correct, then find a bank or another loan company to borrow you 527k on a longer duration like a year or 6 months , pay off all your debts, this way you have narrowed your debts to one company. This will also reduce the calls from debtors and give you time to work out how to pay the 527k.

As they said here stop trying to impress anyone with ur flexing.

2 Likes

Re: Loan Apps: I Have Used My Hands To Bury Myself by Praktikals(m): 10:44am On Jan 12, 2022
Degunners:

She and my baby traveled and I'm tempted to dispose some few things like my home theatre, gen and fridge.
You must be my brother from another mother. Lol. I cant take more than a bottle of stout and a plate of p.soup but I always spend at least 6k buying for others (including the seller). I dont borrow to pay but I can use house rent, children school fees, etc to massage my false ego.
Baba, pls carry your wife along and sell those things so you can be free again.

May God help us as we try to change into a more responsible person

3 Likes

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