Ugoc3:


The code isn't working on MTN number..
I tried..it didn't work

newmindset:
VACANCY FOR FEMALE APPLICANTS
Our company, Yinbid Agency Services is into POS payment Transfer services,We hereby advertise 20 vacancies in our company for the positions of POS cashiers at Ibeju Lekki and Epe
Accommodation available for those interested in working at Ibeju Lekki and Epe
Qualification; OND, NCE, HND, Bsc
Only female applicants are to send their CV to Whatsapp number 08028561602

princeemmma:
Have been trying to check for about 7 people, but have not been able to general the slip

jamesversion:


Sell it to smokers na.

Adiob200:
yes ooo,,I thought is something valuable..person fit sell

fortunez1:


I swear, na wetin dey him mind.

MrBrownJay1:


mystery solved, case closed!

MrBrownJay1:


maybe from someone who brought it from abroad.

MrBrownJay1:
these are cartridges for electric cigarettes called JUUL...aka JUUL PODS. its normally filled with a liquid , and you plugged them into these E-cigs

madridguy:
Na paper recharge card i dey do. I no get stamina to dey hawk recharge card if i mistakenly type 10,000 instead of 100 naira.

RapistOnBail:
PalmPay still the best

Girlieo:
yes it shows successful, but I didn't get any mail

Girlieo:
Pls house, I've initiated the application since yesterday, and till this moment i haven't received any mail to continue with my application. Pls what can I do?

starrboyniels:
when I click action”complete application “ it’s take me back to login , even when I’m already logged on. This, the page with the display “access denied”

raphretle:
Was wondering if schools still have shorthand in their curriculum..
Also do people still use it for administrative purposes considering the fact that one could use a phone to record a conversation and then later on use it.
For those who learnt it in school, can you read shorthand notes?

phoneport:
Segun is a 35-year-old teacher who ran to loan apps as a last resort to survive the pandemic. He talks about servicing loans from multiple apps on a teacher’s salary and the lessons he has learnt in this process.

How did your misadventure with loan apps start?

It all started during the lockdown in 2020. I was a class teacher at the time, so we were at home and out of work. I needed money for the upkeep of my home and my pregnant wife.

I tried asking everybody I could for financial aid, but no one could help me. That was when a friend advised me to try a loan app. I was desperate, so I went searching for them. Eventually, I settled for one and borrowed from there.

How much was this loan?

I borrowed ₦20k.

And how much was your salary as a class teacher?
It was also ₦20k.

Wow.

When the time came for me to pay back, I couldn’t. I wasn’t working, so there was no way for me to actually make the money to pay. And the thing about loan apps is that you pay a large interest when returning the money. You also get fined if you miss a repayment day.

What did you do?

At this same time, unfortunately, my colleague had given me some money to keep for him. About ₦30k. It was that money I decided to use to pay back the loan. When I finally paid the loan, three weeks had passed. I paid ₦27k.

A whole 7k extra?

Yes. But this was just the beginning. Now I had to pay back the money I ‘borrowed’ from my colleague. I still wasn’t working yet, so where could I have gotten the money? As a last resort, I found myself going back to that same loan app to borrow the money I took from my colleague.

The vicious cycle…

Yes. If you don’t repay on time, these apps threaten to publish your name or send messages to your family and friends. I didn’t want my image to be tarnished, so I took more money from funds that were left in my care.

Oh no!

Just like that, my misfortune started. When it was time to pay back the owner of the money, I went back to a loan app. My debts compounded to the point that I was using multiple loan apps at the same time. I would go to another loan app to get money to pay that off.

How much debt were you servicing at this point?

By this time, the amount was ₦150,000. I had been doing this back and forth for about two years already. As of 2022, I was still battling with them.

It got to the point where I had to go to my cooperative to borrow money to pay the loan. Money I could have used for a business opportunity. Then I went back to the loan apps to pay back the cooperative. After a while, I realised I was going in circles. So I decided enough was enough.

How did you stop?

I just stopped borrowing from one loan app to pay another. The only way to get out of this problematic cycle was to ignore all the loan deadlines no matter what, and focus on paying them back gradually. I’ve accepted that I owe money, and I’ll pay as soon as it’s possible.

Right now, I wait till the end of every month, then pay off what I can. If I can offset just ₦10k, then so be it. I’ll pay it this way until I finish. If I keep thinking of my debt, it might cause problems to my health.

How much is left?

I currently have three loans I’m servicing. One is ₦30K, the other is ₦40k and the last one is ₦50k.

How are you able to pay off these loans on a class teacher salary?

I’ve transitioned from class teacher to freelance lesson teacher. I teach phonics in four schools, and I make almost 5 times what I used to earn. That makes it easier.

Do they harass you with calls?

Of course they do. But I know their numbers so I don’t pick up. I have no money to give them na.

What about your family? Are they protected from this?

I have a wife and a kid. And my wife knows everything that has been going on. She understands that I didn’t borrow the money to spend lavishly. It was for our family. So we’re working through it together.

What did you learn from this?

Ah! I’ve learnt my lesson. I used to recommend loan apps to people because I thought they were my saving grace when I needed emergency funds. But it turns out that loan apps have only brought disaster. Unless it’s do or die, I would not advise anybody to borrow money from loan apps. Especially if you can’t pay it off immediately.

Assuming I didn’t go online to borrow money, all these things would not happen to me. Now I’m using money I should use to cater for my family and invest in a small business to pay off loans.


What are your own experience with this loan guys?

imagrg:
The Federal Government of Nigeria should either enforce stringent measure to curtail the exploitative practices of POS operators or put a total ban on the operation of roadside POS operators. If such measure is not obeyed, the Companies in charge of such terminals should have their licences withheld if they cannot effectively control their agents.

It has been observed that since roadside operation of POS terminals, cash have become scarce in banks and ATM terminals across the country. Reports also have it that almost all workers in the bank operate Roadside POS terminals where they have young girls running it on their behalf. They freely trade with bank money at the detriment of bank customers who stand endlessly on queue to withdraw their hard-earned money.

Except the Federal Government and The Central Bank of Nigeria take drastic step to stop these shady practices, cash scarcity and buying of ones money would remain.

udemzyudex:


It is fixable,if you're in lag you can reach me on 08064724259