₦airaland Forum

Gbadugbakun:
Sometimes the way you brainless people expose your ignorance with confidence on Nairaland is really terrifying.

So you don't know that when you download a loan app you give them access to your phone logs, your messages, your storage, your gallery...etc. if they have access to her gallery shouldn't common sense tell you that they would be able to access the pictures saved there and make use of them?

jmoore:
USA didn't ban tinted glass because of kidnapping.
Stop adopting stoneage solutions.

Tracking of phone is what a wise person will suggest.

HelpfulBro:
na the POS woman shock me, in my front she dey tell them say.... "Abeg una dey look for new worker" she still dey laugh Join plus the outrageous charge of 1k on a 20k withdrawal instead of 400

Gbadugbakun:
Is this right? I think it's high time the government clamp down on this people.

Omoapena:
Hello pilots, can anyone loan me 2m to pay back 2.5m by 31st of may, will be dropping my car original documents as collateral and also my permanent residential address will be revealed...


That's over 6% interest rate per month, should in case I don't meet up with payment by 31st of may, you have right to seize my car and the car is worth over 3m in market now...

Nicepoker:
Mouth action you will pour the engine oil faster Time is the number one factor here.

Cassandraloius:
I'm following.

Lexusgs430:
Online pastor with 2 wives........🤣😂

Peterrio:
I need your sincere advise guys.

So someone offered to help my fiancée get a job and also help her relocate abroad. He's one of her sponsors in school, he's a married man, a doctor too and they live in United States.

I have plans of wedding my fiancée before she leaves Nigeria so it will be easier to join her in the US

Now the issue is, if l get married to her before then, the man might lose interest in helping her.

Right now i am confused, i will appreciate any good advise on how to handle this situation.

I really want her to get that job and relocate and i want to join her as well.

Rayymond:
Hello everyone, please I need help and guidance on this whole issue with Palmcredit loan app. I will provide as much information as possible. I will be grateful if it can be taken to front page for maximum exposure and help.

Sometimes, last year around April 2023, my phone was stolen by a one chance korope bus. The phone was a major tool for my office work, so I had to get another about three days later. I was not expecting to spend on phone but the lost of my phone made me bought a phone in one of the slot shop where there was EASYBUY ....I paid 30% and allowed to pay instalmental payments for 4 months. I had no issue paying back the loan as I was in a paid employment. I paid back as and when due.

Little did I know that EASYBUY is same as PALMCREDIT, the name of the company is NEWEDGE FINANCE LIMITED but they have different loan apps that they manage.

I assumed that EASYBUY gave my data to Palmcredit which I have also used before. They started calling me to take loans. I believe the calls ware due to my prompt payment for the phone I bought without defaulting in the instalmental payments.

Fast forward, in late October 2023, I was no longer in a paid employment as I had resigned from the company I work for. I needed a small amount of money to complete a payment so I downloaded PALMCREDIT LOAN APP, they already have my information, I'm sure it was given to them by EASYBUY, their sisters company where I bought a phone. In the loan app of Palmcredit, there was a pop up that showed I qualified for N78,000 - N200,000 loan.

This is quite above the average loan given to Nigerians. Note, I was not employed at this time. So the first question was, what did I need the loan for? I chose Business.....

Immediately, I received a pop up message which stated congratulations your loan of N200,000 is on its way.

I was shocked. I have not indicated how much loan I wanted, I have not checked the interest rate and I have not check the time to repay and the loan was disbursed to one of my old account that I had used the last time I used the app about two years ago or so.

Immediately, the loan was disbursed to my account, the app went BLANK. Nothing was clicking, NO information about repayment nor interest rate. (I made a screen record of this)

After about 1 hour, the update came that the repayment is 3 months (28 days interval) and that with the N200,000, I would payback 303,000.

How could I pay back 303K for a loan I didn't even request for. I am not stupid to collect a loan of 200K in this economy and pay back 303K....that's over 50% .

This PALMCREDIT pushed their loan on me...now I'm struggling to payback....and for each passing day...they are increasing the loan balance for me.

This is a daylight robbery, I didn't request for N200,000.

I even asked their loan collector where their office is, whether I should visit them....she refused to tell me.

I am being blamed for keeping their money when they sent it to me....that I should have sent it back to them?

But as soon as they send it, their app went blank and I could not reach their customer service representative.

I did a little research and I realized that this loan app intentionally gives loan to some people without them requesting for such amount, because they know they have good records.

Please I need your advice. I have paid back the money sent to me but they are disturbing me to pay the full loan with interest.

How can I give free 100K to loan app when I didn't even use the loan for my personal gain.

Please I need professional advice

Elistho:
The one I can remember, this was last year July or August. My friend asked for 5K to add and pay school fees, I gave him my last card. I told him the money was relegated for my school bills too but I would give him as my friend and he should pay back, he vouched to.. I gave that benefit of doubt and transfered everything in my account to him.

Ladies and Gentlemen, this is February, I've not seen it. I asked him once or twice in the past, he said he would pay, he's a close friend so I didn't disturb. Since I didn't ask again, he didn't talk about it again nor pay.

I've learnt my lessons, we're still friends and even visit each other now, but I've not mention it to him lest I severe the relationship.

I don't know if he has forgotten or deliberately doesn't want to pay, but either ways, no qualms, God dey.

muller101:
This kind of case can't be overlooked. The guy will spend the rest of his life with her harboring a feeling of guilt towards her. A day will come which the lady will provoke the guy I am telling you that will be the end of such union. All secretes will be exposed.

zeuss:
Somebody is out to get him.
Every projectile but the kitchen sink.
Talk about being in the line of fire.

MechanicMike:
Wots Yor wife name sir? Lvgirl or Labake1? they all ways report guys with big priiiiik like they reported me twice sir!!!( No oofencssece)

Benki003:
No marry man you no hear

Lucasinho:
Hmmm


You are still a learner .....it all started from the top. All your leaders are crooks

Toosure70:
Am a victim o, I need another wife now

DevilsEqual:
Your comprehension capability is worrying

Some of u here scares me with how u analyze things

If the numbers had been more than 10, say 80, then y'all would have a justification that the democracy in Nigeria is for just a few people

Now the number is just 10 out of 149 but instead of giving it the true analysis, u ended up writing what I don't even understand


Apparently, this figure proves that the power isn't rotated among a few guys...no be every time Una suppose dey bash unaself

Inferiority complex in Africans is troubling

malcom1X:
Let me ask you a question, who is the most responsible or respectful person that your landlord was supposed to meet to get a LAPO loan?

Answer this question.

fyzaila:
Maybe you have to disguise, when coming to your shop, start dressing with very low budget cloths. Example is those okirka clothes. Always complain of paying one bill or the other. Complain to anyone of them who cares to listen. Be keeping moody face from time to time. While in the shop be taking garri, milk, groundnut and sugar or eggroll and coke. At home you can eat your well balanced diet food.