₦airaland Forum

MrFollowFollow:
See who dey talk.

You see food chop? No be him make you dey borrow 5K upandan wey you no fit repay?

miccoy:
These loan apps caused serious damage in India before they started kicking them out. Nigeria is there new home now.

I just paid 300k and installed everything.
Never again guys.

This is a very sincere advice.
Leave the sharks o.

7 days to pay over 30 percent interest.

chiboi19:
You call loans they give evil just because you can’t pay back and you use evil to justify your own very wicked self
How will you take a loan and not want to pay back?
Y’all are the evil ones for wanting to take a loan and not pay, for wanting the government to bring it down and leave thousands of people jobless because you owe a lot of loans apps and you simply need a way of not paying back now y’all a Mobilizing yourself to shut them down because you are jobless
Nigerians are the problem everywhere

EniolaSaint:
Good evening everynow.Please i had just been admitted to a university.One of the materials required by the school is jamb admin... letter and jamb original result.Then,the problem is that the cybercafe man stapled jamb original result slip with jamb admin...letter(institution and candidate's copy) all together and i have not yet make photocopies of this and i don't know if the school do require candidate's copy of admin...letter.PLEASE HELP ME!!! WHAT AM I TO DO?

Muchmore024:
All this teens sef.
This is meaningless. Pele jjc.
When you resume to the school for documentation. You will laugh at yourself for creating a thread about this. Quote me when that happens

Nisiw365:
[b]Overhyping. You know nigerians like to overhype alot.

Dating now is difficult unless you can get client account to run benefit(gradually stopping), load account with bill pay and so .Even to run bill pay, you will get bank log which some sell for $100. bank log could get spoilt along the line If not handled well, so you will emd up getting new one

Alibaba pays but overcrowded too which requires buting tools costly for Common man

BEC pays most but the tools are very costly and its not for some novice who call themselves yahoo boys.

Carding is harder now as you will end up buying credit cards that wont work out. Credit cards security are being improved by bank and financial organization as well and most people don't do carding again


The whole point of these is that yahoo boys who are wealthy are mostly doing bec because they can pick $300k once though it might be once in a year

PS: its very easy to go broke as a rich yahoo boy when you keep buying tools and not making good money back and at the same time you would wanna flex

People should know that any work or job or scam that so many people are getting into will become obsolote with time and thats the case of rich yahoo boys getting broke again[/b]

Tonysmith4sure:
I can only vouch for Branch and Fairmoney. They don't disturb at all but you see that Solo, xcredit, gocredit and co. Fear them for ur life

Emmakul8:
We are taking this up even legally. If you are sure of yourselves provide an address Naa.
The Soko guy said Agidingbi, our team went there, Na fake address.
We later called him he changed his words and later said it's Abuja.
You people know the wickedness and havocs you have created into people's life. But watch out, God lives. Evil loans would go down. We are just starting.

I

NIGERIA MUST DO SOMETHING URGENT ABOUT THE KILLER LOAN APPS IN THIS COUNTRY.

Nigerians are at present being terribly exploited by on-line money lending platforms. It is like a sort of prison without walls. And the experiences with these debts 'Prison' are simply traumatising.

Today, there are hundreds of loan apps on the goggle play store literally feasting on Nigerians with their outrageous interest rates and very short term repayment tenors.

Some sites offer loans with repayment tenors of only 7 days and 14 days. The most curious thing is that their advertisements, targeted at luring unsuspecting, poverty stricken and dire need audience, are deliberately skewed to give false picture by making their offers look customer friendly.

They usually advertised 60, 90, 180 days, etc repayments plans/tenors with attractive interest rates. But once you signed up, the real monster picture is unvail to you.

Take Sokoloan that gives say N14, 000 for subscribers to repay N21, 175 (N7, 175 interests) and its subsidiaries, and co - travellers like 9ja Cash, 9credit, Gocash, Lcredit, imoney, Okash, Kas Kas, Xcrosscash, icoin, Naira plus, Fast Cash, Fast Money, Naira cash, cashmall, xcredit, easy money, etc.

Apart from extremely short repayment tenors, high interest rates, they have highly temperamental and abusive staff. Just a day default on repayment can earn you the highest embarrassments.

They will send threats text messages to all your contacts, rain abuses, insults on you and your family. In fact they go to the extent of threatening you with Police, EFCC, Inter Pol, and declaring you a fugitive.

That is besides charging you huge defaulting fee. The aim is not just to drive fear into you but actually to tarnish your image and reputation. And they do boldly communicates their devilish intentions to you.

Look at these two messages: THIS IS TO INFORM THE GENERAL PUBLIC THAT THE ENTIRE FAMILY OF GBOT ARE THIEVES, THEIR DAUGHTER MERCY GBOT WHO IS AN ARM ROBBER/HARLOT WITH NO ..... DUPED A COMPANY AND SHE IS NIT TO BE TRUSTED WITH ANY FORM OF TRANSACTION HENCE DISTANCE FROM HER AS SHE HAS PROVEN TO BE A THIEF (22163911745)

A CHRONIC DEBTOR AND FRAUDSTER MR. DUCK SAM WITH PHONE NUMBER .... WANTED BY NPF/EFCC HE ABSCONDED WITH COMPANY'S MONEY, INFORMED HIM TO PAY BACK OUR MONEY NOW OR HE GET ARRESTED .... imoney.

It is high time the government of Nigeria did something about these wicked merchants taking undue advantage of the prevailing economic situation in our country to ripe poor Nigerians off mercilessly.

Research has shown that the damage caused in the lives of people by the unscrupulous activities of loan companies can better be imagined.

Some of the loan sites have device fraudulent ways of debiting people's account illegally. The criminal indulgence usually happens between 1am to 4am. Many have lost huge money through debious channels.

The Kenyan government recently sanctioned similar financial merchants in her country, Nigeria can do the same.

The loan apps have become slaughter slab where the already impoverished citizens of this country are being bruised, battered and bloodied.

These human abattoirs must be shown the way out of this country fast.

Debtors are not thieves! "Na condition dey make crayfish bend."

Emmakul8:
Arguing with these slaves is equal to waste of time. So because the guy needs a little cash he must turn to friends and relatives. They must know his secrets.
You see I have stopped arguing with them cos even if a customer dies as a result of their reckless actions it means nothing to them. Theirs is to get money. That's the way their slave masters mentored, wired their brain, forgetting that these same people left their country to feast on Nigerians and by God's grace they would fail.
It's not by force, leave the indigenous loan companies and get out of our country.
A friend lost contract close to millions of naira cos of these same people and their recklessness. Not everyone likes telling people about their life issues hereby borrowing from them.
They have made Nigerians poorer.
Just watch and see.

Emmakul8:
Arguing with these slaves is equal to waste of time. So because the guy needs a little cash he must turn to friends and relatives. They must know his secrets.
You see I have stopped arguing with them cos even if a customer dies as a result of their reckless actions it means nothing to them. Theirs is to get money. That's the way their slave masters mentored, wired their brain, forgetting that these same people left their country to feast on Nigerians and by God's grace they would fail.
It's not by force, leave the indigenous loan companies and get out of our country.
A friend lost contract close to millions of naira cos of these same people and their recklessness. Not everyone likes telling people about their life issues hereby borrowing from them.
They have made Nigerians poorer.
Just watch and see.

generalwo:
.... We are ready to pay those apps we owe if we get their physical addresses...... I can guarantee you on behalf of everyone.... We will pay the money in cash / person...... If not, forget the money..... Bring your police to arrest me and u will tell that same police and the entire Nigerian population what we stole from you that made you labal us criminals.... Na that time you go know say who no get 14k take pay back him loan go get money take drag loan company go court... Your only options are...

1. Meet the people you sent messages to, to pay you your money.

2. Drop your real address for us to pay in person.

3. Forget your loan entirely......

bjtinz:
like WTF? You mean soko sent that!!

No be small thing.

Tbh find it funny!!

ubee:
I defaulted on loan payment to one of these fintech companies (clue: the most successful operator in the country) last year. I stayed a period of 2.5 months before i could pay back.
That period was a nightmare for me. You don't want those guys calling and texting you almost daily, asking for their money.
It plays with your mental state.

I've stopped looking to borrow from them ever since i settled the debt.

AuditorIs:
SECURITY ALERT!!!
DELETE / UNINSTALL THESE MOBILE LOAN APPs NOW!!!
The Nigerian public is hereby notified of the existence of some Malicious and Fraudulent Loan Apps that most people use daily. In a bid to support the Nigerian Military Forces curb the unending security threats across regions, we (Concerned Group of Certified Information System Auditors, and Forensic Investigators) have reasons, on evidence to believe that Nigerians should, as a matter of urgency, delete/uninstall the following Loan Apps for the safety of Selves (Users), Families, Friends, Colleagues, & Communities:

1. SokoLoan (+2347042690186, 2348139851350)
2. GoCash (+2349135588607, 2348139851350)
3. 9jaCash (+2349063169030, 2348139842690)

These Loan Apps belong to the same group of malicious Chinese Nationals, who, with some of their Nigerian accomplice(with above phone numbers) leverage on the FinTech Space in Nigeria to perpetuate the following evils:
1. They scan through your contact lists to identify Important Persons by the names you saved, gather the data, and sell to Kidnappers and Bandits.
2. They monitor your phone locations, travel calendar, conversations, SMS, WhatsApp chats, and emails for vital information they could sell to Kidnappers, bandits, and terrorists.
3. Families and Friends of Nigerian Troops battling insurgency should please uninstall these Apps because we believe they monitor your conversations and provide information on the location and movements of Troops to insurgents. One of the reasons why Soldiers & Aid Workers are frequently ambushed by Terrorists and Bandits.
4. They bug your devices/phones with “Keyloggers” to collect your Mobile or Online- Banking Passwords, Pins, and ATM Card details which they sell to YAHOO BOYs, and they also use it for unauthorized withdrawals from your bank accounts. The reason for the rising complaints on untraceable transactions in the banks these days. Nigerian Banks lose over N1.7Bn daily to these Criminals.
5. They launch “Man-in-the-Middle” Attacks on targeted Online transactions between your banks and Telcos to intercept SMS Alerts. The reason why affected Bank Customers, don’t receive SMS ALERTS for fraudulent withdrawals/transfers from their Accounts.

Please send to all your contacts, and save lives today.
God Bless Nigeria.

DanBaba
@AuditorsIs

chiboi19:
Why will you agree to take a loan to pay back within a stipulated period of time and you don’t pay back and when you are being called to pay back the loan you you took, you’ll start saying ehn i don’t have money or i will pay when I want to pay or acting suspicious.
But you had a deal with the company to pay back it loan in some days.
If you sue the company you will lose as long as you didn’t pay back the loan within the agreed loan pay back date ( t & c ) and if the company sends defamatory messages when you paid your loan on or before due ( I can only recall an incidence from a worker not the company) it is only then you can sue to the company. I have worked in Soko Loan I know all the bad reviews people come here to give but i will tell you people who take loans and come to give bad reviews most of them are criminals wanting to take the company’s loan and not pay back those are the ones coming here to say bad stuffs about the company that the government should take them down.
But the company is helping people out even with high interest rates.
Have you asked yourself, why banks or Nigeria itself don’t give out loans to citizens only a few FG workers can get loans.
Soko Loan nevertheless with the high interest rates provides good services to people
Only those who don’t want to pay and who didn’t pay gets defamatory and this is after about 8 days after the clients loan is due and the clients is probably not willingly to pay, has it phone switched off and guarantor denying knowing the applicants.

chiboi19:
Why will you agree to take a loan to pay back within a stipulated period of time and you don’t pay back and when you are being called to pay back the loan you you took, you’ll start saying ehn i don’t have money or i will pay when I want to pay or acting suspicious.
But you had a deal with the company to pay back it loan in some days.
If you sue the company you will lose as long as you didn’t pay back the loan within the agreed loan pay back date ( t & c ) and if the company sends defamatory messages when you paid your loan on or before due ( I can only recall an incidence from a worker not the company) it is only then you can sue to the company. I have worked in Soko Loan I know all the bad reviews people come here to give but i will tell you people who take loans and come to give bad reviews most of them are criminals wanting to take the company’s loan and not pay back those are the ones coming here to say bad stuffs about the company that the government should take them down.
But the company is helping people out even with high interest rates.
Have you asked yourself, why banks or Nigeria itself don’t give out loans to citizens only a few FG workers can get loans.
Soko Loan nevertheless with the high interest rates provides good services to people
Only those who don’t want to pay and who didn’t pay gets defamatory and this is after about 8 days after the clients loan is due and the clients is probably not willingly to pay, has it phone switched off and guarantor denying knowing the applicants.

chiboi19:
Why will you agree to take a loan to pay back within a stipulated period of time and you don’t pay back and when you are being called to pay back the loan you you took, you’ll start saying ehn i don’t have money or i will pay when I want to pay or acting suspicious.
But you had a deal with the company to pay back it loan in some days.
If you sue the company you will lose as long as you didn’t pay back the loan within the agreed loan pay back date ( t & c ) and if the company sends defamatory messages when you paid your loan on or before due ( I can only recall an incidence from a worker not the company) it is only then you can sue to the company. I have worked in Soko Loan I know all the bad reviews people come here to give but i will tell you people who take loans and come to give bad reviews most of them are criminals wanting to take the company’s loan and not pay back those are the ones coming here to say bad stuffs about the company that the government should take them down.
But the company is helping people out even with high interest rates.
Have you asked yourself, why banks or Nigeria itself don’t give out loans to citizens only a few FG workers can get loans.
Soko Loan nevertheless with the high interest rates provides good services to people
Only those who don’t want to pay and who didn’t pay gets defamatory and this is after about 8 days after the clients loan is due and the clients is probably not willingly to pay, has it phone switched off and guarantor denying knowing the applicants.

Vernon26:
this is really getting out of hand.

ekene101:
deactivate your card and get a new one or better still,change ur pin,they won't have access.

NaijaBoy213:
here u are bro, enjoy. remember always use dummy contacts

Blesyn22:
After sending defamatory messages to your contacts for about 45days they'll stop.



#Shotiye e

Drizzy5001:
In 2019 that was how I borrowed money from one of these loan apps, i was given 14 days to pay back my loan, from the 3rd day sef. They don dey disturb me to pay, when I still had 12 more days to go,....OK, 2 days to the dead line , the weréy went and called one of my contacts (my aunt) , na so I vex, change am for the idiot.. I neva pay 1kobo till today sef, I Don uninstall the app, and nothing will happen. they think they are doing me

HedwigesMaduro:
The morons used to show it even on the lowest bouquet before. It's not their fault that braindead macaques are in charge of this country.

Kriss216:
I never subscribe my DSTV since this year. I watch my matches online these days.