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DeusXmachina:

I'm currently in the same position you are, although my debt is slightly less than your's and I've already defaulted on some.
Took out a loan to invest in a business that failed, and I'm struggling with this.

First off let me advice you on a few things, it may be tempting, but don't try to take out any other loans to payoff the existing ones, that was a mistake I did, not unless you have a stable employment and salary, then maybe seek out a debt consolidation loan to pay off your current one, and pay off the consolidation loan over a longer period of time. Or else You'll just be digging a deeper grave for yourself.

Second fairmoney offers a loan extension for 2 weeks for the cost of 10% of your next installment, if you think you can find enough money in that time to pay off the loan then it's a better option than defaulting, if not then don't waste what little you have.

If the loan app is connected to your ATM, I'd recommend you get online banking for your bank account and disable that ATM. Or move your money to a different account. Fairmoney may claim they will deduct from your other accounts, but it's all just talk, they don't have the ability or authorization to do that with just your bvn.

Fairmoney is registered as a micro finance bank, and with that they have to follow regulation. They can't just up and defame you just like that. They will be bothering you with calls first to repay, I'd advice picking up all their calls, and letting them say what ever they want to you, it will not be easy, but they only have authorization to call or massage your contacts in the event you start avoiding them. They are only legally allowed to call you or your contacts between 8:00 am, to 9:00pm. If they either defame you when you answer their calls, or call you at the wrong time, they can be fined.
They will blacklist your bvn, but it just means you won't have access to loans and credit anymore, your money and your bank use won't be affected.

The worse that will happen, is they take you to court, but they won't do that too easily, because of the cost and time involved, but in the event they do, just remember this is a civil case, not a criminal case, the chance of you facing jail time are miniscule.

I've flirted with the idea of suicide, but that's not for me, my spite and will to get through this won't allow me. I wish you the best of luck.

Thank you my brother,

I felt a little better reading this message, I will endure and see this true. I wish you all the best too.

I am not even contemplating taking another loan.

Hello Everyone,

I know this place is not the right section to post this but I need a place where this can get enough publicity.

Sorry to bore you with my tales of woes but the truth is, I am at the lowest point in my life right now.

I got a loan of 500,000 to repay 891,000 plus in a duration of 12months from fairmoney, meaning I will be paying 74,667 plus every month. Though I knew it won't be easy, I decided to give it a go after someone in my street who is into yam selling from Benue State explain how the business works , the profit margins and all that, I was convinced that if done , at least I will be able to be offsetting the monthly loan amount without much hassles since it takes four days to get to Lagos and in a about two days time, I would have sold if not but most of the yams and repeat and that encouraged me to get the loan.

I even went to Zaki Ibiam in Benue which is the main center for yams in Nigeria to buy the yams with a contact person that a friend introduced to me there.

I didn't planned for what will befall me on my very first trip as the vehicle converging the goods to Lagos had a breakdown and wasted much more time than usually expected, before the yams could get to Lagos, so many has gone bad and I invested almost all the money in the hope of realizing enough profit in order to start on strong footing towards repayment of the loan, I know it would have been better if I had started small but that about the only business on my mind then and with the loan repayment bearing down too,

I have managed to repay the first month and the second one is due in 13days time which I will manage to repay but after that, I don't know how I am going to navigate this again since there won't be enough capital to do any kind of business talk more of repayment of loan. Please, I plead with you my brothers and sisters to assist me in any which way to enable me get this burden off my back, I am so depressed right now, feel so empty and confused and for the first time in my life having suicidal thoughts.

I can provide all evidences if demanded, I just wanted to help myself and don't know that I will fall into this mess. I decided to come here because I have practically run out of options.

Thanks all,

CC OAM4J, Mynd44)

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DrOladipo:


No is on thread

Hello,

Please, I have registered on your site for sometime now. I can't seem to remember if the PDF was sent to me at the time of registration or now. Please, I will like to have the guide and also the link to the telegram group.

Best Regards,

umehhilarychidiogo@gmail.com

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umehhilaryc@yahoo.com

Lyydia:
Hi everyone.
Please who can recommend a good solar system that can give a minimum backup of 8hours in a day?

Devices are : 2 Laptops, 1fan, 1tv and decoder, phone, power bank and 3 bulbs.

@JSayin, I saw a thread of yours like this, did you later get a solution?

I have an idea

Sheffdon:
Good people of nairaland

What can my friend apply on this leg? He's tried everything possible

And the funny thing is, he feels no to little pain in the leg

Pls we will welcome your good suggestions pls; be it medical or natural method abeg

And water also comes out from time to time too.

This was exactly how my leg was some years back

I can't say if it is exactly the same thing but there was a leaf a man brought for me and it cleared within a month.

You will most likely waste money going to hospital for things like this as that was exactly what happened to me before I went traditional.

All these people forming like Orthodox medicine can cure everything should ask doctors or have not experienced this kind of thing in their lives.

Get in touch with me, let us see how I can get those leaves for you to use and hopefully it works for you like it did for me.

Sorry about this.

I have suffered from this before for a long time before I met a man who was close to our family.

There was this leaf that he brought for me and it all cleared within a month.

Where is the person Op?

[quote author=Kobojunkie post=112416481] Look at this one! So, if I am not sick but have questions regarding health related topics, rather than the wealth of information made available for such purpose, available via Google by the way, you brain tell you say na to go knock on doctor door be the best choice?,

Abeg vamoose if you no get better thing talk o'jare!

Again.....Spiritual implications of what exactly? Why do you folks bite down on any bullsheet thrown at you?,

Right about what health implications? Why don't you use Google and find for us the names of the

slawormiir:
Damnnn niggar
Overrated dumb fuckkk place...there ain't no beauty in that gadamnnn place

Na only those slim girls way dey the picture background na im caught my attention

It seems you like slim girls so much

Heryormilekan:
I have forwarded Yogi's and Alex (The Dip) ebooks to all guys that sent mail requesting for them

Sold the attached on AF on Thursday. HT: few months.

Ramadan Kareem.

Best

Please send to my email umehhilaryc@yahoo.com. Thank you

umehhilaryc@yahoo.com

umehhilaryc@yahoo.com

Ohyinyeah:
Really?! When please?

Yes, I sense that this is what is happening in your case. The lawyer is likely playing a double standard game. Change him immediately. It shouldn't take this long for court to evict him even if he is not coming to court.

Please, let us have some sanity here. Just ignore his sales report next time if your not comfortable with the way he reports it. This thread alone is an eye opener and it is left for someone to find his or her own path.

Don't make it look as if he has exclusive knowledge of this, you can make your own research here and other places to get information that you need and more instead of wasting your energy with this back and forth argument.

We all are different here, so focus more on yourself and if tomorrow, you decide to come here and share your own knowledge, good and fine, if not, I believe here is good enough for anyone to forge their own path instead of making it look as if someone is special or has only the magic wand to make this work.

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NwaNimo1:
I know that Ynash well well....

[img]https://i./3OK0w.gif[/img]

(......I'm sure his mind was elsewhere though)

[img]https://i./1nlT.gif[/img]

Sometimes, I wonder how you guys come up with this

I'm in

Mumben:

I used opera mini browser, same thing. It's still saying link has expired. Pls who else is experiencing d same thing abi na only me Waka come?

Update your telegram

umehhilaryc@yahoo.com