₦airaland Forum

seanaddy:
My own experience in this last few weeks have been really crazy. So, I was doing well at my place of work and all of a sudden company declared bankruptcy, I was managing my life small small and tho I was asked to work from home and they were still paying salaries not up till mid August when I had car troubles on the island and was broke, had to take loans from lcredit and Cashing app ASAP to resolve. It was my first on Cashing and I was given 22,400 to pay back 32,400 after 1 week (that's 1 week duration), while LCredit gave me a total of 26,500 (their interest and whatever was almost 6k from that amount for a duration of 2 weeks). Mind you it was my second time using their app. My first experience wasn't bad cos I was still getting paid from work. Lo and behold, salary didn't come in August and I started receiving annoying calls like 2 days before it expired from LCredit, 2 days after loan expired I payed almost half of the money (mind you there is a 5% overdue daily interest that climbs the money and compounds it o. I initially communicated and pleaded with them and explained my situation and also promised to resolve, but they started calling my phone regularly and texting my contacts that I am being shady and not willing to pay and all that, I reached out to their customer service rep on WhatsApp to plead with them to be considerate as I have been paying and make ng commitments and she insulted me and called me a thief and scammer (because of 15k, can you imagine). Money was about 15k then, this matter long sha o. To cut the long story short, I am now jobless and no money is coming from anywhere but I have been paying the money little by little with anything that I get but they still keep on insulting me and the money is still climbing up with overdue interest, so I have decided not to kill myself and also do my best to pay their money but not paying a dime in overdue interest. They are mad, they should continue calling my contacts and calling me a thief and scammer. Very unprofessional set of ppl.

Cashing have good customer service reps, understanding and considerate. Cleared out with them without issues, but you see this LCredit, all of them are mad abnormal and unprofessional set of thieves. I don learn sha, its not their fault. I for like post screenshots of some of my conversations with some of those LCredit reps cos I had chats with 3 different females from them and they all had varying degrees of madness and stupidity.

There are times when situations are way more than ones foresight and one can't do anything but be hopeful, we need to be more human to one another, a lot of ppl have gone into depression and committed suicide due to shame from acts like these unprofessional companies. May God see us thru it all.

Imagine...
They are not considerate at all.
Initially when they started calling,I begged and begged them to give me time.i told them to give time so I would collect my contribution of 140k by month end,I wouldn't mind using all the money to clear up all my debts,but they refused,the started calling my contacts..I hate xcredit and Lcredit for calling my dad..at a time my dad was scared,I had to tell him to warn them..the way they threaten someone is out of it and if you don't have a thick skin,you will contemplate suicide..these people are wicked.
Even if I pay other loan app,xcredit and Lcredit will not get Kobo from me...let them keep it up with their madness

Acidosis:
Everything you have stated here is well known to all and sundry so when you go ahead to take that loan, you've directly invited problems for yourself. As far as I know, those who pay back the loan on or before due date do not face this issue.

A word is enough for the wise sha. Keep enjoying your loots until the assault becomes physical.

Assaults becomes physical kee u there...una wan come beat me for my house..on top wetin..
Tell ur people to try it..I don personally roger some agberos wey dey my street Incase if any loan company come my house,na serious beating una go chop..did I come to your office physically to get a loan from you,na phone things so lets deal on phone..

Fine I know I took a loan,alot happened..I was robbing peter to pay Paul until I decided to stop.. initially I was begging the loan apps to hold on until I collect my contribution next month,but they refused and they went as far as calling my Dad,that was the height of it..you guys are so inconsiderate,I was receiving calls and responding to messages,but still they choose to disturb my contacts..
Now tell me,will the contacts give them the money, though I already called some of my contacts and explain things to them,they all laughed and were telling me how dumb you guys are..like how can you give a loan without collateral,why were the guarantors not informed before giving out the loan..you guys are so blinded by ur outrageous interest that your don't bother about the necessities..shows you guys are giving out loan for your stupid and selfish interest..and who says you guys are not thieves too,the very first day I paid easycheck directly from d app through my bank card was the day 5k was withdrawn from my account in the evening,I had to rush to transfer my remaining money to my other account..

Am still waiting for my contacts to start receiving messages,yes its embarrassing cos I don't know how some my contacts will feel even though have explained to some but life continues and am not kill myself cos of loan..
Money wey I dey even owe the whole apps no go reach some people buy human hair..
Talk to your people,most loans would have been retrieved if things were handled properly..

MissEfe:
Xcredit messaged my contacts few days after due date..
Lcredit 2wks...
I didn't get ur request

Na wa o...me I still dey wait for them to message my contacts,but I guess the messages to your contacts was after calling them, right?
sent u a request again..check ur mail

MissEfe:
Yes oh, especially that Xcredit and Lcredit there disturbance too much...
Lcredit sent 4 messages to my dad at once,, those people are frustrating...
Xcredit and Lcredit are off my paylist, I no sure say I go pay them, make Dem go collect the money from my contacts...

Is it up to a month that you defaulted...
Sent you request already,can we talk..

MissEfe:
Me I am still waiting for them I never see them...
But I'm still scared small sha oh..
But I get mind say Dem no go come

my dear are they still disturbing you..

mhiztaexpensive:
Yes o

leave them to do their worst..

juicywales:
I got this message from Fastmoney this morning. She has already called my mum this morning and na just Thursday my loan due o and I've been picking her calls. I don't even know what to do now to stop her from going about her threat.

let them do their worst abeg...is that your picture he posted..

kemmyflakky:
That's the spirit sis

My dear chest don dey pain me cos of too much thinking...
These people will so much put pressure on you ehen...if only dem sabi calm down,nobody go dey owe them,but they are always in a haste to torment someone which is very bad.
With all have gone through since last week,the trauma alone no go allow me pay any of them shishi

So far have stopped picking their calls and responding to their messages, seriously giving them less attention will make you have rest of mind...so I will be waiting for them to send messages to my contacts tomorrow,that is how far they can go...
Tho I think they have started calling some of my contacts already and that is their business..
I dey owe like 11 apps so who I wan give and who I wan owe,make the equation kukuma balance..

NaijaBoy213:
lol, trace wetin. U shud only be worried l if he used your debit card when applying for the loan. They can't trace you thru your bank account.

They can't even go to her house..

safarigirl:
Cross and Saskay possibly leaving.

Bottom 2

Pls tell me its a lie,Cross can't be leaving
**Crying**
What will crossnation do now.
My favorite must not leave

Aliyu007:
These idiots be claiming barrister up and down lol.

Weyrey say your file was submitted to his table lmao..

Lastly, weytin concern federal court with this kind mumu matter?

Na that one dey pain you...
Dem say I will get an invite from EFCC...
just when I thought have heard it all..

Ameboperoo:
9cash and Lcash are no longer on playstore but they have so many sister apps by the same company.

lets just report all loan apps on play store

Ameboperoo:
Are we going to continue to allow these people to continue to tarnish people's reputable like this? Not just the person but the family. Threatening contacts?
Reporting them on play store is the least you can do. Go do a factual review about them and flag them.
Let's take it from there.

Exactly...let us all go to playstore and report them...we can start from there...
Then make it trend on twitter..we are much here already..

Phunshory:
They have sent me a some pictures of those that default and that my pix will be displayed in all social media and also sent to my contacts. I am really worried

yes the will send messages to your contacts maybe with ur picture,they will call u a fraud...but they won't post ur pics in any social media platform..
Call some of ur important contacts now,tell them not to believe any message they get about you,that its scam...
Explain to some that u trust,that u took a loan,u asked for more time and you weren't given....Tell them its not fraud..
Don't be scared...Am trying to conquer my fear hear,tell yourself that the worst they can do is messaging your contacts,just prepare ur mind for that..We will be fine..

Have they called some of your contacts

teeezy00:
Should I be worried?

My dear na me and you waka come for this matter,my own sef never reach this stage...check the time am replying you,like my mind is so disturbed...
But I don't think they can do anything,that just empty threat...
Don't worry mixedfraction and Naijaboy will hint you more...that is how they do,which yeye court dem wan carry you go...just bullshit them or reply them that you will like to get the address of their office cos you want to come there with your lawyer......No fear its well,we no go die...na money we owe,we no kee person

NaijaBoy213:
This is the best loan app for now, imagine giving someone 400k for a start. Just make sure your bank statement is impressive. That's all. but the question is, you go fit pay?

whats d name of d app..

Yelina:
My mother doesn't even give them attention. But my mother in law just dey worry and its becoming too worrisome. She acts ancient sometimes.

I replied your mail already

Yelina:
No. They call with their landline and say their nonsense. But the message the line plays is already recorded so once they pass their message via call, they end it. Its becoming a menace and I'm slowly losing it.

can't your relatives end d call?

Mixedfraction:
Madam nobody dey come your house...
E be like you dey think say na crime wey you commit oh!

Calm down madam...

Lol.. thanks...Na till in 2 weeks time my mind go rest

Yelina:
What of the ones that have already contacted your contacts? Lcredit is bombarding my relatives with their recorded call and I dunno what to do.

you mean they were recording all you said with them

Mrxawe:
Nobody dey come your house. It's just one of their numerous scare tactics to make you pay up. I be professor for these loan people.. no be today so if I tell you anything just believe it. Threaten the bastard too. Tell him if he near your gate na him coffin dem go carry go back his office. If they threaten you , threaten them x10 coz once they notice you are scared or begging, you don give them power be that and they'll keep bombarding your phone with threats and calls. One that threaten me I tell am say if he makes the mistake of coming, I'll shout kidnapper ontop his head and make sure the boys in my street hang tire for his neck and light him . The madman fear instantly , next day he con dey talk politely to me dey ask for payment.

Lol.... thanks so much

Pls are you guys sure these people won't come to my house....
They threatened that even I run away,my family cannot run away and they will arrest them..

Ameboperoo:
Some will start maybe 2days after e. g. Sokoloan, gocash, 9jacash. Others have been threatening "legal action" for two weeks but I just told them I will pay as soon as I have the money e.g Lcash and cash lion. Though I have paid a substantial part.
I think Next credit also did shortly after due date.
Many of those messages, I don't even know what app sent them.

Ok... thanks

kemmyflakky:
I'll reply u pls

ok....pls am expecting your response

Mixedfraction:
If your dad had told them he doesn't know you that you probably just used his number or something, I'm sure they would not disturb him again.. sorry for the emotional trauma those fools have caused you..

I just dey wait for the mad person wey go come advice you to try pay after them don call your dad finish.. [checks if my matchet is still sharp]...


And if I may ask,how long did you default before they called your dad??

just last week o and have been picking their calls o...how loo g do you think they will keep calling and texting my contacts...someone they will keep texting my contacts everyday..

Ameboperoo:
For over 1 week now. Cashing has been texting my contacts and gocash keep sending my pictures to my WhatsApp contacts
Infact, all sokoloan apps. Keep sending different pictures. I think they share one's contact between themselves. Like if you default in 9jacash, but there are no enough contact on the app, they will get the contacts backed up on Sokoloan if you have use it, and send messages to it

how long did they wait until they started doing all these stuffs

Ameboperoo:
Almost

I heard its just once...do you have any experience..

Ameboperoo:
Like everyday with cashing. SMS to your contacts to notify you about a loan you took from them

like they will text my contacts everyday...

kemmyflakky:
@elegantslayer..ive replied your mail

ok I sent a message already..

kemmyflakky:
I don't know of xcredit but Sokoloan 9ja cash etc may watsapp d same person twice especially if the person gives them audience. Tell any1 they contact to block their lines or blast them. That's what I did & they don't call me anymore & my contacts too.

Let me show you the chat soko people chatted me but I neva replied for once nor pick their calls.

Thanks....but how long did they call and messaged your contacts....
And did they message all your contacts at once or they select the ones they call in a day

Xcredit finally called my Dad....I swear anything wey dem wan do,make dem do..e no concern me again..let dem message my contacts...
Am still waiting for other loan apps to start calling my contacts...
Pls who knows how long they will call and text my contacts...and do they call and texts my contacts everyday..