Officialgarri:
State of Emergency should be declared in the South Eastern states. We can't keep living in fear.

It took Jonathan more than 3 months to declare state of emergency in the North East even when bomb blasts can be heard and seen by mere peeping out of the windows of Aso Villa.
Now, Boko Haram now almost have a legitimate government in the NE

Today, we saw the SE people cheering the "unknown gunmen terrorist group " on the streets of Imo state after killing some uniformed officers.

I could do nothing but shake my head pitifully at the decadence we are descending into.

No man with hope, health and wealth, properties and families will jubilate in support of these attacks on his own people.
Only a hopeless fool will.

I guess you are buhuri brother because if you are from South East you will do the worst. They are just saying no to slavery is that too much to ask, when they used to lineup along the roads in South East agitating and begging the federal government to hear their cry nobody cares instead they will use the military to kill them like animals and you didn't complain, now you have mouth to tell what is wrong and what is right. I hate anyone who doesn't care about the injustice being done in Nigeria but always fast to defend the Government.

You might be benefiting or feel okay on your own but think about the masses and not just you and your family.

thebosstrevor1:
The news is 100% FAKENEWS.

We are waiting for the uk ambassador to Nigeria to clarify their position on ipob terrorist group.

keep waiting my dear

Arewa1stSon:
Interesting! Nothing concern me concern ipob terrorist!!

If them like make them give them grants and issue them citizenship!!

Igbos supported and fund Nnamdi KANU regardless of the fact that he destroying lives and properties!!

Some Yorubas Supported Sunday igboho and defended him regardless of the fact that he ignited a crisis that cost lives and properties!!

Now you are asking me not to support pantami? Pantami is going no where!


WHO ARE THESE SAINTS IN OUR POLITICAL SPACE?
Most were criminals that got convicted in different prisons abroad for one crime or the other.

Some of them were drug barons, fraudsters,Hitmen, some of them were human traffickers, shoplifters and that were their past lives.

These are the brand new saints that have turned into moral police in Nigeria simply because they have political power and stolen wealth to engage the so called PR experts.

But Pantami’s life today is a refined version of who he was. He was never involved in moving drugs from coast to coast, he had no single criminal record from any country he had ever visited. His political sin is that of a cleric joining politics.

Buba Marwa is nailing drug pushers to the wall with 12 inches nail!

They will soon tell us Buba Marwa was once Shekau's driver.

Rip to the innocent policemen,soldiers and civilians that lost their lives from IPOB/ESN terrorists!!

Prosperity will speak for your blood!!

A few like after all this long story shows you are making no sense

abc115:
Worst in the history of Nigeria .

Jonathan earned the highest oil revenue in the history of the country ,at the same time borrowed to pay salaries with no single capital project completed.....That is Jonathan Wonder.

At least I can eat well, enjoy your best government over which is Buhari's regime

NyamiriSlayer:
To hell with those esn guys and unknown gunmen, killing of our security officers will not be taken with levity hands, esn and unknown gunmen must be crushed with their supporters.

To hell to anyone who want Igbos to remain in the hands of Fulani people and smile happily, Enough is enough, I like the show yes anyone can become one of the casualties but is better to die fighting for your right than suffering and smiling.

You have heard bombing forest this and that but what follows next is still what we don't know.

Once again Enough is Enough. Igbos have grown and are not afraid of any tribes in Nigeria.

We are all watching a movie so wait to see the end of the storyline.

Keep dreaming and ignoring all the injustice going on in Nigeria and channel ur energy in crushing IPOB while you have not crushed hunger in the country, bandit and Boko Haram

uptimum123:
Just about time


His first priority should be on how to crush those foolish Ipob members to death

I don't know why Nairaland don't bring meaningful post to their front page.

How is that a problem if she like let her spend 10 billion dollars to buy whatever she wants, does that change anything?

How does that help anyone or educate Nigerians about anything

angelEmade:
for just 2k I will get you 100,quality backlinks...not just backlinks but backlinks that will drive 40k daily page views.
I will also show you a secret to drive traffic from this nairaland by pasting a text file here

am interested in backlink pls

cocolacec:


If Nigeria should divide today,Only people with residence permit will be allowed to live in Yorubaland and Yoruba citizens.

Owning a property doesnt confer residence permit unless a law is made to that effect.We will opt out of ECOWAS to prevent mass migration from unwanted elements and enable us develop our land.

clapping for you!

cocolacec:


The reason they cannot unite together is covetuous attitude of the Igbos on Yorubaland claiming Lagos as their own.Fulani is our enemy but you dont unite or befriend someone who desires your wife also.

Fulanis and Ibos have their eyes on Yoruba bride,Lagos state.

Your thought is wrong, personally I don't see anything special in Lagos apart from the Sea port which other regions can make theirs functional or do you think that Igbos don't have or cannot have a sea port.

Mind you having a Yoruba nation does not prevent Igbos from living in Lagos Neither do having a Biafra prevent Yorubas from living in any part of the east.

Even in USA Nigerians have properties and business so I don't get your point.

I really don't know why Igbos and Yorubas don't like hearing each other's name.

A Yoruba man will tell an Igbo mind your business and an Igbo will tell a Yoruba mind your business. What is actually the problem?

Let us look at this in a different way.

* Yorubas want their freedom and a nation of their own.

* Igbos want their freedom and a nation of their own.

* Hausas want their one Nigeria by fire by force since they have the lion share.

Why can't the 2 ethnic group (Yorubas & Igbos) who want freedom to unit and defeat the region that says no to their freedom.

Believe it all leave it, it will be had for Igbos to single handedly achieve freedom and the same to Yorubas.

If those who want freedom can stand together and say enough is enough then the north will never have the power to stop them.

The bigger problem is me and you, we are here on Nairaland fighting each other.

There is no other way to achieve freedom without coming together.

Godarz:
.

Well, they behave like that because

1.They give loans out without collateral. As a result, if there is a default on their loans, unlike banks, they have no collateral to sell to recover their loan

2.Many Nigerians refuse to pay back, meanwhile, there are others who also need loans from them. Because many Nigerians don't pay back, they run the risk of running out of money to loan Nigerians.

3.The high interest is also a way of warning off people who have no means to pay(at the moment , I am resisting the temptation to borrow money from Branch to add to my money for new laptop because Branch has high interest rates ).

If you want to blame someone for the high interest, blame people who don't pay back on time. They make things harder for folks like you




Again the fact that they give loans sans colalteral means...they have to run high interests..(They also have staff to pay, and millions of other people looking for loans). So high interest, or they all go out of business...and then who do we go to for payday loans (Certainly not the big banks)..



Yeah, carbon is very good . Branch has high interest rates though.



Even then, not paying back loans as and at when due, even when you have the money (ON this site, people share tricks to defraud loan companies well well)...makes it difficult for them to help others..

Plus why take a loan when you can't pay? The loan app people all tell you to have means to pay before they even show you which loans are available.

Plus, this is where people can go to their churches, mosques, families, etc...to get some money short term. (I went to my church several times back in the day, even my fellowship self).



And the truth is, the loan companies act the way they do because people take loans from them and don't pay back even when they have the means to do so.

Plus giving loans out without collateral involves high risk...hence the high interest

You can raise hell against the loan companies...but if they go out of business...at the end of the day, there will be no one to give you 5000 for one week if you need it....excpet possibly friends, family, and religious bodies.

What you are saying is that they should go ahead and send those messages to recover their money? Anyway, its better to go out of business because we exist when they don't, Say No to such messages please, I am not asking people not to pay their loan but for that message I said NO

Godarz:


So, if you value your reputation, why don't you then have the means to repay your N2500 loan sorted before taking it in the first place?

As long as it's about money there might be unforseen circumstances that make someone not to pay at the due time and what you do is to encourage them to pay, some will even offer you a discount just to encourage the person to pay.

I don't care about what you people are saying but tagging someone a thief and frauster because he failed to pay a loan of 2500 withing 24 hours or even more is BIG NO such loan providers should be banned.

One lady from those loan companies called and was threatening me on how she will shame me even when the loan is not due yet, they drive joy in tanishing people's reputation and image.

I stand with the people who said that the loan should no longer be paid once they sent such message to people's contact at least they shouldn't win in both sides

Godarz:


Okay so people can come and take money freely from you

Thanks.

By the way in taking a loan from a loan app you agree to their terms and conditions which is a legal document

And should you go to.court you will lose

And not paying back the loan makes it difficult for the loan app to give loans to other people in need

And they go out of business

[b]And then the poor have to go to banks who demand collateral [/b]and other high faulting stuff before you can get a loan

So if you cant pay a loan back don't take it.

Good morning to you

I hate people who try to defend this loan companies, people should pay their loan as agreed but don't sound as if they are actually doing them a favour giving people like 4000 to pay back 6500 in 7 days is not a favour, they are the bigger thief's, they are actually doing their business and trapping people into more hardship, the poor should actually run from such loan apps they are criminal too for giving people loan with high interest to pay back in 7 days.

If they are fair majority of Nigerians will be fair to them. For example I don't see anything wrong giving someone 5000 to pay 6000 in 30 days but they won't instead 5000 means paying 7500 in 7 days.

They should ask Carbon and Branch how they managed to grow this big without sending such useless messages to their customers contact. It's simple, they are not perfect but their interest rate and loan duration are good compared to those thief's that call other thief's and criminals.

You will ask didn't them see the loan interest before taking it but that a useless question to ask. Taking advantages of some desperate and poor Nigerians who need urgent help is very bad.

The truth is, people have started talking about the urgly treatment and high interest with few days loan term, sooner or later an action will be taking generally to reglet the loan system in Nigeria and if not, things will get out of hand.

MrFollowFollow:


A delay of just 1 day affects the revenue of the loan company because you have tied down money that would otherwise be lent to another person to earn revenue interest

I don't encourage anyone not to pay his or her loan but no matter what people's reputation worth millions and billions. You can't go that far for 2500.

mk3jax:
When living in Europe (USD equivalent)

Rent per month: 2,000 USD per month
Feeding: 750 USD per month
Children School fees (International School): 600 USD per month
Electricity, water, water : about 500 USD per month
Miscellaneous: 500 USD

About 4,350 USD every month


I moved back to Nigeria and here is the expense in Nigeria
Rent: 1.7 million NGN per annum (141,000 NGN per month)
Children school fee: about 900,000 NGN per term for 2 children in Primary School (School fee of about 460K and private home lesson of about 440K) which is about 225,000K per month
Feeding: 250,000 NGN
Family support (money given to family member): 300,000 NGN every month
Salary of house help: 50,000 NGN
Miscellaneous: 200,000

Total monthly expense : 1,166,000 NGN per month

Note: family support can get to 500,000K in some months depending on situation.
Nigeria no easy oooooo

You live accordingly to your level, you pay more because you want to live big and willing to pay for the luxurious life. If not in Nigeria and in some State you can get an apartment between 300k to 600k per year, I mean nice one

Igbochief001:
Shame on both igbo n Yorubas for allowing north to control this country

Why can't igbo n yoruba sign a special agreement that guarantees each other supports on things

80% of south south follow igbo
20% south west
40% of middle belt align with Igbos
40% with Yorubas
60% of northern christians are likely to align with Igbos


How then is hausa fulani rulling when igbo and yoruba can work together

Flush out this old leaders n both side let the young ones work together

You are on point but they will not think

Those who own them usually pay extra panalties between 2-30% every 24 hours and it's okay that they disturb their customers by calling and texting them at least for 1 week.

But sending text messages out to someone's contacts tagging them thief's and fraudsters for a loan default less than 48 hours is a big NO

In fact some of them will even threaten you and tell you what they will do to you if you don't pay them even while the loan has not expired.

I still maintain that any loan app capable of sending such messages should be reported and banned.

You talk about how hard it is to recover their money but you never talked about the greedness. 4000 to pay 6500 in 7 days, 10,000 to pay 14000+ in 7 days.

The truth is, it's only desperation that can make someone go for all this useless lenders.

I am warning the general public to stay clear from all this people, whether rich or poor your reputation worth millions and if you don't hear even as little as N3000 will turn you to a thief and fraudster overnight

Temmylee01:
guy this is the first time I will be insulting someone on this platform sir with due respect you are very STUPID as in you are worthless and clueless humanbeing.... Nobody ask the loaner to loaned him money too and mind you before they loan you money they would have gone through ur transactions with the information you have provided for them and they would known ur capability so why going to the extent of spoiling their customers name. Nigeria as a country do borrow and when the national can't pay we service our loan. So stop supporting bad thing and best way to deal with is sue them for defamation of character and let them pay damages.

Don't waste your time, use it for more important thing and forget replying to them since they claim that 3k is enough to send abusive messages to someone's contacts, no matter how rich or contented they think they are, sooner or later they will have a taste of it directly or indirectly to understand that we are all human.

ivolt:

Always read the terms and conditions.


Did they force you to take that loan at that rate and how were you coping before the existence of loan app?
The reason for that rate is due to the proudly fraudulent nature of many Nigerians.


The bold is a joke. There are millions of Nigeria who borrow with the intention of not paying back.

at least not people like me

ivolt:

Complain?
You have never dealt with a debtor in Nigeria.
There is nobody to complain to. If you go to court over 3000 Naira, do you know how much it costs
to hire a lawyer?
How many months of litigation over N3000 that someone refuses to pay?
The court can't even recover the money if the debtor claim to be indigent.



Do you think you are dealing with your friends here?
Don't be naive. If I take a loan and don't want to pay for the next 10 years. There are ways to go about it.

Wait till when?
When people invest they expect profit not loss. I haven't forget how many were boasting of defrauding loan companies on this platform.
I love how these loan companies are dealing with irresponsible borrowers. Immediately they take a loan, they think they must be worshipped
and begged before they will pay back.


Don't defraud loan companies and your image will be intact. Borrow from your family and friends, it is that simple.

And all you are trying to say is that 9Credit did well to contact all their customer's contacts and tag them thieves and fraudsters because they are unable to pay after 24 hours not even 2days or 1 week.

A loan company that will give your 4k and ask for 6,500 in 7 days and if you miss a few hours payment then you have yourself to blame. Anyway, he who support evil shall be welcomed by it. I don't know how rich you are but one day you will understand in one way or the other.

No one borrows without the intention of paying back but my brother somethings are inevitable, what you know is today but what happens tomorrow is what you can't predict.

opsyswagger:
Who send you collect loan

please go and pay your loan and have a settle life

Bro

Am not owing any loan Bro, it's obvious no one sees anything wrong about what I have just explained above and their users comments. Noted!

willyo:


U swore to uphold the terms and conditions binding the institution and u turn around to cry wolf. U an unserious somebody. Can't be trusted.

I don't even have the time to exchange words with you but no loan provider have the right to send message to all their customers contacts and address them as a thief or fraudster. They should call police if they have to or report them but that particular action should be condemned and if you support it, you will experience it someday to understand. Who is even talking about trust.

willyo:


U swore to uphold the terms and conditions binding the institution and u turn around to cry wolf. U an unserious somebody. Can't be trusted.

Are you done?

willyo:
If u borrow pay... No other comment

Mr rich Man that knows how to repay loan than others just pray not to fall into their hands because you will be forced to modify your comment.

More comments from 9Credit loan users

9credit loan company and other similar loan providers that operate in the same manner should be reported and banned permanently. The least you can do is to avoid them even if you are desperately in need of cash. If you wish to know why I say so then read this post till the end because I have some proof of what they have done to their customers which is capable of making someone commit suicide.

Nairaland mods please this is not any kind of fight back, am only trying to prevent another suicide attempt or death from appearing on the Nairaland front page because of 9Credit. I will be the happiest person to see this post on the front page.

90% of the good rating 9credit got from the Google play store is from foreign paid reviewers and not real Nigerian users just to appear trustworthy before the eyes of Nigerians. Please if you have used the 9Credit loan kindly share your experience let people know.

Why you should avoid 9Credit loan

Before I go into details, below are the reasons why you should never use 9Credit as a solution for a quick loan.

=> 9Credit will insult you and call you names and threaten your life.
=> 9Credit will send abusive messages to all your contacts telling them that you are a thief.
=> 9Credit will destroy your image and reputation before your employees, family and friends.
=> In fact, 9credit is more deadly than Covid-19
=> They can make you lose your job at any time. The pain they can cause you are endless.


Now let go into details

My fellow Nairalanders, I will like to use this opportunity to air my view about this deadly loan provider called 9Credit, maybe it might sound personal or as if I am trying to get back at the company for what they did to me but nothing like that though, I am one of their victims but all I want to achieve is to prevent others from falling into their trap. I want to safe some ignorant Nigeria's from HBP or from committing suicide the experience was terrible.

We all know that immediately after the introduction of the bank verification number (BVN) the next thing was the emergence of quick loans. Many companies, individuals and even banks jumped into the business and presently we have more than 50 mobile loan apps targeting Nigerians

Out of that numerous loan providers, some of them can be helpful and assist you when you need it most. While some will make you regret your life and 9Credit is one of those ones that will make you hate the day you were born.

How 9Credit operate and treat their customers

Yes, I know that some of you are still in the dark and desire to know what 9Credit did that made me say all sorts of things about them.

Well, this is all about the ugly approach 9Credit uses when any of their customers fail to repay their loan, even if it's a few hours or 2 days late. The worst is that when you pay them before the due date they will not update it but will go ahead and take unspeakable action against you even when the loan is as little as 3000 Naira.

However, customers are expected to repay their loan before the due date as agreed but let not deny the fact that unavoidable problems can occur at any moment but 9Credit doesn't care to know whether your father just died or whatever problem you might be facing, the only language they hear is their money.

kinds of action 9Credit can take against you

9Credit will threaten you and send messages to all your contacts telling them that you took a loan and refused to pay and even tag you a thief or a fraudster even for as little as N3,000.
9Credit will lie against you and tell all your contacts that you used them as a guarantor or emergency number just because you are owing them N3,000
They can as well debit your account and still threaten and send abusive messages to everyone in your phone contact including your parents.

The effect of 9Credit action against their customers

I don't know what your respect and reputation means to you but for me, I don't have an issue if I don't have any money or struggles to eat but my little respect means everything to me. Obviously, if you care about your reputation stay away from 9Credit because they will reduce you to zero even for 3k. People who respect you will start seeing you as a thief directly or indirectly, one of their customers even lost his job because of 9Credit.

Finally, I will attach people's expression about 9Credit.

This is the little I can do to keep you informed and help you from becoming a victim sooner or later. If had what it takes to report them to CBN or any appropriate authority that can investigate this by pretending to be a borrower then I wouldn't hesitate to do so but with your voice, they can hear and see what is going on.

Share your experience with them and let the world know that 9Credit is a death trap. See comments from their users, I removed their names and photos to keep their privacy intact.

MelesZenawi:
Omuta Ogbakaria 1 of Abia state speaking his jargons as usual just to be relevant


I now agree and strongly hold the view of the majority school of thought that Nnamdi Kanu is seriously suffering from dementia and brain seizure...

We have looked far and wide ( Olu na Uda) and have seen countries, men and women patriotic to their countries fight for freedom Even suffer in same country, jailed and humiliated but they persisted while still in their country to make sure that the goal sees the light of the day

But here is a fugitive who couldn't withstand just an ordinary python dance but had to disguise himself as woman to escape back to where he runs his online country while his knuckle heads and illiterates of followers are wasted by security agencies though my condolences always remains with them all time they lose an idiot to superior fire..

Back to Sunday Igboghos case, It is not lost on me that Yorubas have leaders quite placed even their son is currently vice president of Nigeria and in right position to broker for peace.

CP Ngozi as we know is just a lower cadre bound to respect her superior and carry out orders and which she must do to the end.

It is outright stupidity for one idiot and lunatic from Abia state who can't salvage his own state from ruins will go about making a mess of himself with his online agitation....

Albino and porn star forming agitator. That's same way his tongue can't rest from his radio online office during ENDSARS protest.

Afaraukwu and Abia as a whole should conduct a DNA test on Kanu to determine which East African country he is from..

Most senseless Gibberish I just read today to a woman carrying out her duty professionally.

Are you done?

Godmother:


This seems a reasonable price. However, the difference between this and the first quote is scary and got me thinking.


Will reach out, though.

Never send your money to anyone without using a milestone, that is how I get one guy and send the money to start work even before December till date he disappeared

Bro if the money is not a problem, the house can even be finished in 2 months. I have built a 5 rooms duplex in less than 4 months for someone and if you don't mind I can help you get it done without wasting your money unnecessarily for a token.

LoyalHustler1:
Where i want to build it in the south south.

We don't worry about omo onile because it's not in existence there.
All men in the south south are now all about making money and no time for omo onile or agbero.

The 24 hours stuff you said it's impossible.

by the order of Ishawuru.

babyboy4every1:
You might find it difficult to sell because of the Diesel engine. Nigerians dont like diesel engined car. Collect it, and maintain it according to manufacturer's specifications. You will enjoy it for years b4 you can convert to petrol as adviced.

Sure, am not planning to sell it

Kingdemu:
I also believe if you maintain the 807 wella you can put some decent miles on it for a year or two before a major fault that will force you to convert can set in. Truth is if I were in your shoes I'll not for a second consider the Ford Focus. Even if it means I get the 807 then butcher it and sell it in parts and use the money to get a decent car, I'll do just that. Go for the 807. If you were in Kaduna it would have been a walk in the park for you maintaining the 807 even with the stock diesel engine.

Thanks to you all for your contributions. I always preferred the 807 and will go for it because if you check the market value the 807 is still more expensive than the Ford if I decide to sell and buy another one