₦airaland Forum

Prayer won't do anything if you don't help yourself.
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Vansam:
I am writing this with tears in my eyes and with the feeling that i may not live to see tomorrow as a result of what online lending apps did to me. I have never for once thought that my life could turn this way until the year 2021 when circumstances forced me to become a regular debtor from online loan Apps.

I am a masters degree holder, working with a reputable firm in Nigeria but also underemployed because the pay couldn't sustain me, my family, and my dependents. The organisation i work with pays their permanent staff well, a diploma holder can earn up to 300k a month but as a contract staff i only go home with 63k monthly even with my educational qualification. I am a committed and dedicated staff of the organisation i work for but all my efforts always go in vain year in year out. I have been a contract staff for over five years with this organization and served them diligently and having being a key team player with problem solving skills, yet they never wanted to convert me into a permanent staff to enjoy the benefit of my labour. I believe many talented Nigerians are facing this same problem where they give cheap labour to the employers who prefers to keep incompetent and less qualified staff based on reasons known to them.

I know some people here will begin to judge me for taking a loan, others may likely mock or ridicule me; etc. Let me say this, pray for yourself not to be in a situation where you have no one to help you except yourself alone. That was the type of situation i found myself that made me started taking online loans to carter for myself and family. I used every loan i took to boost my small side business. However, because these loan apps are unregulated, they do anything they like to harm you in any possible ways.

I am not a loan defaulter, i always pay my loan when due but i found myself in a situation where i have no other option than to reapply for another loan immediately after repayment because their outrageous interest of up to 50% with 7-14 days duration of payback has made me a slave in bondage with no where to run. My salary always goes to loan repayment, my side hustle also goes to loan repayment.

Many times i cried loud alone in my room that why is Nigeria not interested in investigating how these apps operate? Why can't Nigeria setup a law that will make these companies lower their high interest charges with very short duration? I have taken a loan of 70k to pay back 100k in 4 days; i also took a loan of 80k to pay back 120k in just 7 days, etc. and once you missed a day of your repayment these loan apps will begin to tarnish your image sending sms to all your contacts calling you a criminal eve if you have a clean repayment record.

The reason why i am making this post is to advice people who are taking loans from these apps that give just 7 days duration with almost 50% interest to please for your own good desist from them. I am in a situation whereby i have defaulted some loans i took because i have no choice anymore, their outrageous charges has put me into depression.

For over a week now, I've been embarrassed a lot, sms were sent to my contacts tarnishing my image as a fraudster even when these companies know i have a very clean repayment record with them and i will eventually pay. Please pray for me, i'm really scared, i don't sleep, i am a hypertensive patient, i do not have anything now, i sold my belongings, etc in order to settle some of these loans but yet their high interest rate already got me into their trap.


Pray for me please so i can survive this. Thank you.

That's for HSV-2. I was talking about HSv-4

Kobojunkie:

How 13.2 % take become 99%?

What you need is legal advice not Street help.

I understand where you are coming from. I've been in your shoes.

Best approach is to send him a demand notice that you are owed salary in arrears to the sum of 70,000 naira.
Ensure he read the messages if sent on WhatsApp. Send to his email too
And send a hardcopy (printout) to the office secretary.
Make sure there is proof of receipt of the said letter from the secretary.

If there's a contract letter affirming your employment keep it.

Last advice. Meet a lawyer or as we say it LAWYER UP. cause this man has the resources to come and start harassing and intimidate you or your close friends and family. The moment he does that, you have more evidence to use against him and cash out via damages if you have a good lawyer near you.

If you can't afford a lawyer which I know you can't, go to the legal aid Council of your state. You must show proof that you don't have means of paying professional fees of a lawyer. Remember you are dealing with legal aid (they provide free legal services) they are not stupid to believe you can just show up and tell them you can't afford a lawyer, they will first investigate if you are an informa pauperis (ie poor to afford a lawyer)

Or a lawyer can give you a contigency fee plan.

I've said enough.

All the best.

You did nothing wrong. For health reasons, she may give the child Herpes, a viral infection which exists in 99% of sexually active adults.

Here's another scammer, on WhatsApp he's known as Bang TV. Name is babatunde ayo. He also has two access bank accounts and a wema bank. He uses various whatsapp groups he creates and make it genuine. Don't fall for him. I've been a victim.

[quote author=Ekilons post=80217742]Winning Fixed Odds on telegram. Scam!!! The guy's name is Abutu Moses Joseph with account details 0240875993 GTB. He books random matches with huge odds. The games fail and he edits them to games that won. Then starts telling you stories of how it was a typographical error and asks you to pay again. My friend just got scammed. DON'T FALL INTO HIS TRAP TOO!