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Business / Should I Sue? Legal Advise Needed Please by Palaver: 10:42am On Sep 27, 2018 |
I was introduced to palm credit (a micro scale lending company) and I took a loan of three thousand naira which I paid back. Shortly after, I was in need of quick cash, so I patronized them again. However, due to serious cash crunch which I have experienced lately due to decline in my business activities, I defaulted in the repayment of the loan for thirty days. Before taking this loan, I read their terms and conditions carefully, and I understood that the punitive measure for late repayment was accrual of interest on the principal loan and also reporting to the National Credit Bureau. In terms of confidentiality of agreement, this is what is written on their site; "When using Palm credit, your data is always secure. Our platform uses world-class standard security and encryption technology to protect all details. When you provide us with information, you can also be assured of your privacy - our loan agreements are always kept confidential. Palm credit never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile." However, to my uttermost consternation, Palm credit started messaging my phone contacts (randomly) the following "Please inform (my full name) to settle loan repayment of eight thousand, seven hundred and thirty six naira as soon as possible else, actions will be taken against him. If in doubt, please call (my name) on (my mobile number)". Three things were wrong here; Palm credit broke our confidentiality agreement. In a desperate move to embarass me, Palm credit inflated my loan repayment by over a hundred percent. When I checked to see the amount due for repayment, it was actually four thousand three hundred naira and not eight thousand seven hundred naira as claimed by Palm credit. While using the Palm credit app on my device, Palm credit swept through my phone and copied my phonebook contacts with the callous aim of messaging them to embarass me. I tried calling their customer care and they refused to pick. I also tried to speak with one of their agents on phone but she also declined to speak but instead ended the call on me severally after realising their foolishness. I had intended to make the repayment next week as soon as my clients pay me for the previous work I have done for them but I have now decided that I will NOT repay that loan until Palm credit retracts their messages by apologizing to the random contacts they messaged from my phonebook. I have contacted a lawyer and I will be suing the company for breach of confidentiality as contacting third parties apart from the credit bureau was not part of the terms and conditions made available on their site and app. This incident is a clear indication that these online lending companies (especially palm credit) cannot be trusted with your information (phone contacts, BVN, and account details). They are rogues!
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Nairaland / General / Legal Advise Needed Please by Palaver: 10:36am On Sep 27, 2018 |
I was introduced to palm credit (a micro scale lending company) and I took a loan of three thousand naira which I paid back. Shortly after, I was in need of quick cash, so I patronized them again. However, due to serious cash crunch which I have experienced lately due to decline in my business activities, I defaulted in the repayment of the loan for thirty days. Before taking this loan, I read their terms and conditions carefully, and I understood that the punitive measure for late repayment was accrual of interest on the principal loan and also reporting to the National Credit Bureau. In terms of confidentiality of agreement, this is what is written on their site; "When using Palm credit, your data is always secure. Our platform uses world-class standard security and encryption technology to protect all details. When you provide us with information, you can also be assured of your privacy - our loan agreements are always kept confidential. Palm credit never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile." However, to my uttermost consternation, Palm credit started messaging my phone contacts (randomly) the following "Please inform (my full name) to settle loan repayment of eight thousand, seven hundred and thirty six naira as soon as possible else, actions will be taken against him. If in doubt, please call (my name) on (my mobile number)". Three things were wrong here; Palm credit broke our confidentiality agreement. In a desperate move to embarass me, Palm credit inflated my loan repayment by over a hundred percent. When I checked to see the amount due for repayment, it was actually four thousand three hundred naira and not eight thousand seven hundred naira as claimed by Palm credit. While using the Palm credit app on my device, Palm credit swept through my phone and copied my phonebook contacts with the callous aim of messaging them to embarass me. I tried calling their customer care and they refused to pick. I also tried to speak with one of their agents on phone but she also declined to speak but instead ended the call on me severally after realising their foolishness. I had intended to make the repayment next week as soon as my clients pay me for the previous work I have done for them but I have now decided that I will NOT repay that loan until Palm credit retracts their messages by apologizing to the random contacts they messaged from my phonebook. I have contacted a lawyer and I will be suing the company for breach of confidentiality as contacting third parties apart from the credit bureau was not part of the terms and conditions made available on their site and app. This incident is a clear indication that these online lending companies (especially palm credit) cannot be trusted with your information (phone contacts, BVN, and account details). They are rogues!
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Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 2:06pm On Dec 27, 2017 |
Tamihawtt87:Bless you Tami. I was doubting the 2.4m figure earlier stated. I have it in good authority that entry level at NCC earns N220 and annual upfront of 4.6m. How then can DPR entry level earn lesser being one of the highest revenue generating agency of government? 1 Like |
Celebrities / Re: Socialite Pretty Mike Bathes With His Python He Named Toke Makinwa by Palaver: 7:50pm On Dec 16, 2017 |
Tynasparks:sorry? |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 7:02am On Dec 16, 2017 |
Tomjazzy2:Someone is already there too 1 Like |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 4:06am On Dec 13, 2017 |
Licht:Lagos. 11th Dec. Environmentalist. I was the first to be interviewed that day and the two "interviewers" are very vast and knowledgable in my field. |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 9:40pm On Dec 12, 2017 |
The third person during my interview sat adjacent to me at quite a distance from where I was sitted. I spent about 30 minutes and it was really interesting. However, the woman (who I believe is from FCC) wasnt absolutely silent as she spoke to me thrice during the interview and even offered me a valuable advise. Hoping for the best! 2 Likes |
Celebrities / Re: Banky W's Giuseppe Zanotti "Spacey" Shoes Worth $795.00 by Palaver: 6:32pm On Nov 20, 2017 |
not bad |
Crime / Re: Bilyamin Muhammed Bello Stabbed To Death By Maryam Sanda, His Wife by Palaver: 7:41pm On Nov 19, 2017 |
Joy1706:if you do not know that you shouldnt make expensive jokes as this, then you are a pig. Omo oshi. |
Celebrities / Re: "I Sang My First Hit At 16, Korede Bello Is 28 & Still My Boy" - Dammy Krane by Palaver: 9:36am On Nov 16, 2017 |
djbussy:I no dey available..... |
Celebrities / Re: Simi Is My Favourite Right Now, Girl Wey Dey Write Her Own Songs – Wizkid by Palaver: 4:36pm On Nov 15, 2017 |
rocknation62: |
Romance / Re: Man Catches His Wife With Lover On His Bed (Photos) by Palaver: 11:15am On Nov 10, 2017 |
Ojuororun:I no dey around......make e find another person |
Romance / Re: Bisi Alimi In Bed With Husband, Anthony Davis. Shares Photo by Palaver: 6:46pm On Nov 06, 2017 |
talk2percy:dont mention me and gay in the same sentence....yuck! |
Crime / Re: Phone Repairer Sells Soldier's iPad And iPhone, Vanishes With Money In Delta.PIC by Palaver: 12:07pm On Nov 04, 2017 |
python1:see how u just dey spam my mention bro, is it good? :-/ |
Education / Re: 5 Most Common Nigerian Pidgin English Words and their Origin by Palaver: 3:21pm On Nov 03, 2017 |
Loluores:Thank you Sir. I don learn new thing. No wonder wey I love Spanish Language and their women. I no know say na my relation them be 1 Like 1 Share |
Career / Re: Nigerian Public Service Salary Structures? by Palaver: 11:43pm On Nov 02, 2017 |
nitt:seeking attention from you? Are you Buhari, Tinubu or Kachikwu? Lol....that weed will make you lose your mind totally. Stop it now! |
Career / Re: Nigerian Public Service Salary Structures? by Palaver: 10:45pm On Nov 02, 2017 |
nitt:have u said anything different? What is the difference between self funded and revenue generating? Abi does the money they use to fund themselves fall from the sky? Abeg |
Career / Re: Nigerian Public Service Salary Structures? by Palaver: 10:35pm On Nov 02, 2017 |
Poshriel:Is there any different between an agency and parastatal? Parastatals are extra ministerial bodies or agencies of govt. The Fed. Ministries do not use contendiss but conpss. Some health and educational training institutes (more like parastatals) use contendiss. The board of an agency together with the management determines the salary structure to be used after consultation and lobbying with Ministry of Finance, National Assembly and NSIWC. Are you surprised about the figures? You guys glorify the civil service too much. CONPSS used to pay civil servants in the ministries is worse. A BSc/BA graduate is placed on GL 08 S2 with a total gross per annum of just a little above N700,000. After tax, pension and nhis deductions, the monthly net is below N50,000. |
Romance / Re: How Do I Tell My Neighbour She Has Staph? by Palaver: 12:02pm On Nov 02, 2017 |
kelvinUchiha: |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 11:02am On Nov 02, 2017 |
Walush:I'm compelled to quote you as it seems you're one of the very few who knows what's up as regards this recruitment. I mentioned earlier in this thread that DPR intends to recruit over 700 staff. This isn't a speculation or suggestion as I saw a copy of the request memo they sent to FCC. The figures were put at 700 and something (not exactly 750 I saw, though I'm not disputing your figure as they may have finally settled for that). As per the portal issue, many will be surprised. The fact some of us dont come here to speculate doesn't mean we are ignorant of certain things. I knew as far back as March 2016 that DPR will recruit in October same year and I mentioned it with one of my popular alternate monikers here on Nairaland. The whole process is shrouded in high level secrecy and only few people can confidently tell you the state of things. That said, I repeat that as at today 02nd of November 2017, everyone who wrote the aptitude test stands a chance, only the interview mail will seperate the successfuls (which includes those on merit, connection and God's favour) from others. Thanks! 10 Likes 1 Share |
Family / Re: Advice Needed: On The Verge Of Hitting My Mum by Palaver: 9:52am On Nov 02, 2017 |
fatymore:i'm sure you and your dad are also responsible for your mum's intermittent annoying behavior. Do you think before you type at all? Itchy fingers! |
Career / Re: Nigerian Public Service Salary Structures? by Palaver: 9:39am On Nov 02, 2017 |
For CONTENDISS 07, the annual gross is N983,653. Allowances (excluding training or official trips) are already included in this figure. Also, there is a difference between GL 07 STEP 2 and GL 07 STEP 11. I assume you mean the former as you appear to be a fresh graduate. The way the salary structures are formed, a worker on 08 s 11 may earn higher than one on 09 step 2. I dont know what you mean by "various salary paying bodies". But nothing of such exist. What we have is the NSIWC (the salary and income regulatory body) and different government agencies with various "salary structures". Some are funded by the national treasury i.e conpass, conpss, conposs, conhess, contiss, conraiss, contendiss, conafss, contopsal etc, some are self funded e.g NCC, NNPC, NIMASA etc and some are on special salary structure but funded by the national treasury e.g DPR, NIGCOMSAT, SEC etc. I hope this helps. 16 Likes 3 Shares |
Crime / Re: Man Shot Dead In Port-Harcourt After Withdrawing Money From ATM by Palaver: 8:39pm On Nov 01, 2017 |
ufuosman:AMEN 27 Likes 1 Share |
Education / Re: 5 Most Common Nigerian Pidgin English Words and their Origin by Palaver: 7:42pm On Nov 01, 2017 |
Loluores:u called me 1 Like 1 Share |
Crime / Re: 5 Sex Workers Fight Dirty Over Missing N32,000 by Palaver: 10:12pm On Oct 31, 2017 |
See Palaver |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 4:29pm On Oct 31, 2017 |
madri4u:what you have posted is still a speculation bro. Dont join them to speculate. I still wish the bolded is true sha. 1 Like |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 4:24pm On Oct 31, 2017 |
Make una no allow dpr rest o. More people should call their helpline to make enquiry. The more calls they receive, the more feedback they will give to the HR or management. That should give them an idea that the recruitment process is dragging for too long. Budget cannot be the reason for the delay, then what is? 01-2790000 1 Like |
Celebrities / Re: ‘you Will Regret Calling Me A Nobody’ – Hushpuppi’s Babymama Tells Him by Palaver: 9:56am On Oct 31, 2017 |
policy12:nobody can handle me. I'm invincible |
Romance / Re: “Get 10,000 Retweets And I Will Marry You” - Lady Tells Guy Who Has Crush On Her by Palaver: 9:54am On Oct 31, 2017 |
Rubbiish:why na? |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 9:05am On Oct 31, 2017 |
Bekeel:send a PM pls. Good morning! |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 6:45pm On Oct 30, 2017 |
tee10:I did reply you. Kindly check ur mail. Maybe cos my email address appears abnormal, that's why you thought I haven't replied. |
Jobs/Vacancies / Re: Department Of Petroleum Resources - 2016 Graduate Trainee &experienced Hire Job by Palaver: 5:35pm On Oct 30, 2017 |
goodwalima1985:I've sent you a mail. Thanks |
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