ejitec16:
can you tell the name of the new app..am really in need of money now pls

WhatsApp me, enemies of the state too full this thread.

ekene101:
WhatsApp me, enemies of the state too full this thread.

pls your number, I want to whatsapp u also.

NaijaBoy213:
bro your credit score is not intact o! I'm currently Owing 29 loan apps, I tried to apply for another loan with other loan apps, it was declined, they asked me to keep a good credit score.

With the exception of Carbon, Renmoney, Quickcheck, Branch and Fairmoney; any other apps, all the Chinese loan apps cannot report to Credit Bureau. And they don't conduct credit check. They only rely on the information on your phone (sms, contacts e.t.c) to determine loan offer for you.

One Chinese loan company has about 3 - 4 loan apps on the playstore. When you default, they blacklist your number or phone IMEI on their other apps. That's all!

CBN no know them. Credit Bureaus no know them. Highest any of them have is lender's permit.

miccoy:


With the exception of Carbon, Renmoney, Quickcheck, Branch and Fairmoney; any other apps, all the Chinese loan apps cannot report to Credit Bureau. And they don't conduct credit check. They only rely on the information on your phone (sms, contacts e.t.c) to determine loan offer for you.

One Chinese loan company has about 3 - 4 loan apps on the playstore. When you default, they blacklist your number or phone IMEI on their other apps. That's all!

CBN no know them. Credit Bureaus no know them. Highest any of them have is lender's permit.

wow, thanks for the info bros.

NaijaBoy213:
pls your number, I want to whatsapp u also.

sig

NaijaBoy213:
bro your credit score is not intact o! I'm currently Owing 29 loan apps, I tried to apply for another loan with other loan apps, it was declined, they asked me to keep a good credit score.

Lol your credit score is intact. Why you were rejected is because these apps are syndicates. One company go get like seven apps or if not that, they have a good relationship with another company app.

For example. Sokoloan and gocash na the same company. If you seriously default on sokoloan such that you Don too hang their money for long and they have no hope of recovering it from you , they will flag your phone number and bvn so you won't be able to borrow from gocash. Sometimes they relate with other company too. For example, sokoloan dey give xcredit information about a defaulter so make Dem no do mistake borrow am money again. That's why they threaten you say Dem go block your BVN lol that's what they mean by blocking your bvn them go con talk am like say dem go block am to the extent that you won't be able to carry out financial transactions again. I know alot about these apps even more than their staffs.

miccoy:


With the exception of Carbon, Renmoney, Quickcheck, Branch and Fairmoney; any other apps, all the Chinese loan apps cannot report to Credit Bureau. And they don't conduct credit check. They only rely on the information on your phone (sms, contacts e.t.c) to determine loan offer for you.

One Chinese loan company has about 3 - 4 loan apps on the playstore. When you default, they blacklist your number or phone IMEI on their other apps. That's all!

CBN no know them. Credit Bureaus no know them. Highest any of them have is lender's permit.

So you people are now learning how to defraud loan companies abi?
I know this company with 4 apps you're talking about.
If people run down your business with the way you want to run others down, would you be happy?
I guess you don't have integrity hence you can swallow the fact that all your contacts would be called and told that you're a scammer.
And finally, this chinese companies are smarter than you think.
If you borrow loan without any aim of refunding, or delay in payment, what they will do to you over the time ehn, you will regret ever borrowing from them. You might even commit suicide.
OTHERS BE WARNED!
IF YOU WANT TO BORROW LOAN, PAY AT WHEN DUE TO AVOID EMBARRASSMENTS.

E go reach everybody body like buhari government,if u like be their agent..

rosalieene:

So you people are now learning how to defraud loan companies abi?
I know this company with 4 apps you're talking about.
If people run down your business with the way you want to run others down, would you be happy?
I guess you don't have integrity hence you can swallow the fact that all your contacts would be called and told that you're a scammer.
And finally, this chinese companies are smarter than you think.
If you borrow loan without any aim of refunding, or delay in payment, what they will do to you over the time ehn, you will regret ever borrowing from them. You might even commit suicide.
OTHERS BE WARNED!
IF YOU WANT TO BORROW LOAN, PAY AT WHEN DUE TO AVOID EMBARRASSMENTS.

You don't need to say you know them. You're actually working for them. You're their agent.

Do you know how many people's life you've ruined coz of 5k 7k loan?!?! And you still boast about it.

You're even here typing the same rubbish. Pushing someone to commit suicide, through your mannerless behaviour. I won't be surprised, the Chinese hand picked your kind.

They're other reliable loan apps on the playstore. Do you hear people complain about them. Coz, they are not own by your Chinese boss. When you default on these reliable apps, they walk you through softer repayment plan. They don't go about sending threatening messages to people's contacts like your Chinese bosses trained you and your colleagues...

And how can you start calling your client a scammer. Within 2 days of default?!?! That's ridiculous!

Had it been government gave you guys permit to block BVN, una for don block half of the whole country BVN finish.

Rubbish! Better change your ways

miccoy:


You don't need to say you know them. You're actually working for them. You're their agent.

Do you know how many people's life you've ruined coz of 5k 7k loan?!?! And you still boast about it.

You're even here typing the same rubbish. Pushing someone to commit suicide, through your mannerless behaviour. I won't be surprised, the Chinese hand picked your kind.

They're other reliable loan apps on the playstore. Do you hear people complain about them. Coz, they are not own by your Chinese boss. When you default on these reliable apps, they walk you through softer repayment plan. They don't go about sending threatening messages to people's contacts like your Chinese bosses trained you and your colleagues...

this na y government wan regulate social media. Make she show her pic here na. She dey ontop keyboard the form worrior. Nobody go tell am wetin go befall am soon.

miccoy:


You don't need to say you know them. You're actually working for them. You're their agent.

Do you know how many people's life you've ruined coz of 5k 7k loan?!?! And you still boast about it.

You're even here typing the same rubbish. Pushing someone to commit suicide, through your mannerless behaviour. I won't be surprised, the Chinese hand picked your kind.

They're other reliable loan apps on the playstore. Do you hear people complain about them. Coz, they are not own by your Chinese boss. When you default on these reliable apps, they walk you through softer repayment plan. They don't go about sending threatening messages to people's contacts like your Chinese bosses trained you and your colleagues...

And how can you start calling your client a scammer. Within 2 days of default?!?! That's ridiculous!

Had it been government gave you guys permit to block BVN, una for don block half of the whole country BVN finish.

Rubbish! Better change your ways

u dey mind d lowlifers,they don't care about anyone's reputation so long they get paid and expect people to pay them after damaging their reputation.. government will soon kick these people out of business in the no distant time, because they don't know who and who is in the contacts of those they send messages.

miccoy:


You don't need to say you know them. You're actually working for them. You're their agent.

Do you know how many people's life you've ruined coz of 5k 7k loan?!?! And you still boast about it.

You're even here typing the same rubbish. Pushing someone to commit suicide, through your mannerless behaviour. I won't be surprised, the Chinese hand picked your kind.

They're other reliable loan apps on the playstore. Do you hear people complain about them. Coz, they are not own by your Chinese boss. When you default on these reliable apps, they walk you through softer repayment plan. They don't go about sending threatening messages to people's contacts like your Chinese bosses trained you and your colleagues...

And how can you start calling your client a scammer. Within 2 days of default?!?! That's ridiculous!

Had it been government gave you guys permit to block BVN, una for don block half of the whole country BVN finish.

Rubbish! Better change your ways

I am not their agent but I know alot about them.
I must not be their agent before I school you on the right thing to do.
You're reasoning from your Nigerian scamming mindset.
You saw the Terms and Conditions, if you know you would default, why would you go ahead to borrow? I personally can't see fire and enter it.
If you keep holding onto their money, how would the money circulate for others to borrow? Dont you think the money is for circulation or you think it's for charity? You don't have a point at all. Ok you want to hold on to their money and run away abi?
That's EVIL!
If you know that you cant pay back within the stipulated time, then don't borrow! Its that simple. Look at how some of you are just here talking about oweing 27 apps! That's a shame and embarrassment, it speaks volume about your personality.
If you dont like embarrassment, dont borrow or you find way to pay back within the stipulated time!
If you are comfortable with the embarrassment, then you lack integrity. ITS REALLY A SHOW OF SHAME THAT YOU'RE HERE TEACHING PEOPLE HOW TO OWE AND RUN AWAY. This Chinese people are way smarter than you.
Godforbid it that I have to borrow money from a loan app, even if I end up doing so, I will not default because I know what I signed up for. It's that simple.

ekene101:
u dey mind d lowlifers,they don't care about anyone's reputation so long they get paid and expect people to pay them after damaging their reputation.. government will soon kick these people out of business in the no distant time, because they don't know who and who is in the contacts of those they send messages.

no be everybody u go reply. Everybody get opinion. It's their right. The only difference in this equation is experience and lesson. Jus leave am like that. U no need explain anything to anybody when no know your experience with these people. Now na to look for solution on how to end this cycle. Alot of Nigerians as i dey tell u now dey owe these people, and alot families Don get nasty text labeling them as thieves and fraudsters. Anybody when the defend this tastics is evil. Now wetin we go dey do nw na how to track down these people and make dem face the law. U owe no one any explanation on how u take loan u no fit payback. The can yarn anyhow they want.

ekene101:
when u want to seek for a new loan.

Thanks

Guys be careful because in the future when you think it's forgotten...and then u receive money if u haven't blocked ur card

They will clear it with with all d interest

Easy credit catch me and auto debit 45k+ for loan of 5k

They steal from people so I dont pity them when pple do them back...

If they don't download ur contacts ay the initial stage...u can block their access to it

Life is hard

rosalieene:

I am not their agent but I know alot about them.
I must not be their agent before I school you on the right thing to do.
You're reasoning from your Nigerian scamming mindset.
You saw the Terms and Conditions, if you know you would default, why would you go ahead to borrow? I personally can't see fire and enter it.
If you keep holding onto their money, how would the money circulate for others to borrow? Dont you think the money is for circulation or you think it's for charity? You don't have a point at all. Ok you want to hold on to their money and run away abi?
That's EVIL!
If you know that you cant pay back within the stipulated time, then don't borrow! Its that simple. Look at how some of you are just here talking about oweing 27 apps! That's a shame and embarrassment, it speaks volume about your personality.
If you dont like embarrassment, dont borrow or you find way to pay back within the stipulated time!
If you are comfortable with the embarrassment, then you lack integrity. ITS REALLY A SHOW OF SHAME THAT YOU'RE HERE TEACHING PEOPLE HOW TO OWE AND RUN AWAY. This Chinese people are way smarter than you.
Godforbid it that I have to borrow money from a loan app, even if I end up doing so, I will not default because I know what I signed up for. It's that simple.

Madam there are people who borrow with genuine intentions of paying back hence the reason they feel comfortable entrusting their contacts as exchange for the loan..
If you must me honest with yourself, you would agree with me when I say they are circumstances that could arise that could prevent the person from paying at the due date.. you can only argue with me on this if you don't stay on your own and take care of your responsibilities yourself..
Now should that person default let's say by a week, you're telling me it gives the loan company the right to send such disgusting and defamatory messages to the person's contact? And not just that, they still grow up balls to call the contacts, saying all sort of things to people they don't even know?

Do you know, there are countries that offer contracts on phones and stuffs(I don't want to mention names) and despite how advanced they are in technology, they don't send messages to the person's contacts or issue out threats should the person default? The highest they do is reduce your credit score.. I'm talking with experience...

Even though our law is not too active, do you know any law by any individual or agency that contravenes our constitutional law is not valid?

You talk of the Chinese loan apps dealing with defaulters.. would they send killers their way or they would arrest them? If yes, is it constitutional? Remember, this is a loan without any form of collateral hence the debtor would have been meant to forfeit the collateral...

I'm not saying people should not pay their loans but anyone who pays after such defamatory messages has been sent to his contact is a f**l...

Those Chinese loan apps are evil and wicked.. there are good apps like carbon that when you take their loan, na you go dey remind yourself to pay..

Call a spade, a spade madam and stop supporting the real evil(Chinese loan apps)..

ekene101:
when u want to seek for a new loan.

one last question bro, after the loan has been approved do I update my contact with my original one or still leave the fake one on my phone

swarley75:
one last question bro, after the loan has been approved do I update my contact with my original one or still leave the fake one on my phone

And you expect him to answer that question on a forum like this?

Mixedfraction:


Save yourself the stress now it's not too late and run from that website... It's a scam.. use the link below to enlighten yourself..
https://de-reviews.com/surveyj/

Thanks fam, I started to suspect ngl

ekene101:
WhatsApp me, enemies of the state too full this thread.

Guy abeg pls help text those new apps to this email yimag21635@ovooovo.com

EmekaBlue:
Guys be careful because in the future when you think it's forgotten...and then u receive money if u haven't blocked ur card

They will clear it with with all d interest

Easy credit catch me and auto debit 45k+ for loan of 5k

They steal from people so I dont pity them when pple do them back...

If they don't download ur contacts ay the initial stage...u can block their access to it

Life is hard

Lmao.. . We Don warn you severally .. dey block you card else dem fit debit 500k from your account like that. They will basically remove their money plus all the mumu interests.

Mixedfraction:


Madam there are people who borrow with genuine intentions of paying back hence the reason they feel comfortable entrusting their contacts as exchange for the loan..
If you must me honest with yourself, you would agree with me when I say they are circumstances that could arise that could prevent the person from paying at the due date.. you can only argue with me on this if you don't stay on your own and take care of your responsibilities yourself..
Now should that person default let's say by a week, you're telling me it gives the loan company the right to send such disgusting and defamatory messages to the person's contact? And not just that, they still grow up balls to call the contacts, saying all sort of things to people they don't even know?

Do you know, there are countries that offer contracts on phones and stuffs(I don't want to mention names) and despite how advanced they are in technology, they don't send messages to the person's contacts or issue out threats should the person default? The highest they do is reduce your credit score.. I'm talking with experience...

Even though our law is not too active, do you know any law by any individual or agency that contravenes our constitutional law is not valid?

You talk of the Chinese loan apps dealing with defaulters.. would they send killers their way or they would arrest them? If yes, is it constitutional? Remember, this is a loan without any form of collateral hence the debtor would have been meant to forfeit the collateral...

I'm not saying people should not pay their loans but anyone who pays after such defamatory messages has been sent to his contact is a f**l...

Those Chinese loan apps are evil and wicked.. there are good apps like carbon that when you take their loan, na you go dey remind yourself to pay..

Call a spade, a spade madam and stop supporting the real evil(Chinese loan apps)..

Ok na
The Chinese people will soon carry their money and leave this country for debtors so then, we will see how loan collectors will survive in this country.
Treat people's business the way you want yours to be treated.
Let's use a scenario, you have a bar business, then everyone comes to take drinks and other stuffs on credit while expecting you to pity them as they don't have money at that time. Don't you think that if you keep been lenient, over the time, your bar business will fall? And then what happens? Your debtors will japa.
If Loan companies don't go to that extent of been ruthless, don't you know that 80% of people will not pay back?. Abi no be the same Nigerian people be this?
For something to be in place, there have to be an action. Take for instance, If not for the fear of going to jail, we could kill people we literally hate.. we can't do that because of the law likewise the religion factor.
Another instance is, you can easily steal from banks, what's stopping you from doing so? It's the fear of been ill treated when caught.
Take it or leave it, left for Alot of people, they don't want to pay their loans. Some would have the money but wouldn't want to pay. Look at the one that is oweing 27 App loans, don't you know that it is day light ARMED ROBBERY? that's stealing.
Its only very few that genuinely want to pay but have no money.
Why would someone even go borrow loan when they are not sure of paying back?.
This money is in circulation, if people keep holding onto this money, business is bound to fail.
Let's face the truth and leave sentiments aside.

EmekaBlue:
Guys be careful because in the future when you think it's forgotten...and then u receive money if u haven't blocked ur card

They will clear it with with all d interest

Easy credit catch me and auto debit 45k+ for loan of 5k

They steal from people so I dont pity them when pple do them back...

If they don't download ur contacts ay the initial stage...u can block their access to it

Life is hard

Good for you.
I am sure you had the 5k but literally refused to pay back.

Mrxawe:

Lmao.. . We Don warn you severally .. dey block you card else dem fit debit 500k from your account like that. They will basically remove their money plus all the mumu interests.

the mad part be say dem No go even answer u complain

rosalieene:

Good for you.
I am sure you had the 5k but literally refused to pay back.

who told you i had d money to pay they stole what i hustled for...would have used part to clear because i don't like una debt disturbance and threats

Agent. I accept defeat, clap for unaselves.

Enjoy but una go soon go bankruptcy or close the company when Nigerian youths deal with your companies

EmekaBlue:
who told you i had d money to pay they stole what i hustled for...would have used part to clear because i don't like una debt disturbance and threats

Agent. I accept defeat, clap for unaselves.

Enjoy but una go soon go bankruptcy or close the company when Nigerian youths deal with your companies

Huncle, I am not an agent.
What I do is clearly written on my signature.
Speaking the truth doesn't make me an agent.
A business is a business.
Don't run other people's business down because you wouldn't want same to happen to you.
Simple as ABC
All this gibberish talk, you never wanted to pay them back if not, you wouldn't have waited so long till they collected the money from your account.

rosalieene:

Huncle, I am not an agent.
What I do is clearly written on my signature.
Speaking the truth doesn't make me an agent.
A business is a business.
Don't run other people's business down because you wouldn't want same to happen to you.
Simple as ABC
All this gibberish talk, you never wanted to pay them back if not, you wouldn't have waited so long till they collected the money from your account.

na my fault Laslas for going to them..

They are thieves! Taking big advantage of people's desperate financial situation and not being fair just like flashloan who give u 5k to pay back 12k in 7days like they can accept me to invest 5k in their company and earn even 8k in 7days....i guess NOT

rosalieene:


Ok na
The Chinese people will soon carry their money and leave this country for debtors so then, we will see how loan collectors will survive in this country.
Treat people's business the way you want yours to be treated.
Let's use a scenario, you have a bar business, then everyone comes to take drinks and other stuffs on credit while expecting you to pity them as they don't have money at that time. Don't you think that if you keep been lenient, over the time, your bar business will fall? And then what happens? Your debtors will japa.
If Loan companies don't go to that extent of been ruthless, don't you know that 80% of people will not pay back?. Abi no be the same Nigerian people be this?
For something to be in place, there have to be an action. Take for instance, If not for the fear of going to jail, we could kill people we literally hate.. we can't do that because of the law likewise the religion factor.
Another instance is, you can easily steal from banks, what's stopping you from doing so? It's the fear of been ill treated when caught.
Take it or leave it, left for Alot of people, they don't want to pay their loans. Some would have the money but wouldn't want to pay. Look at the one that is oweing 27 App loans, don't you know that it is day light ARMED ROBBERY? that's stealing.
Its only very few that genuinely want to pay but have no money.
Why would someone even go borrow loan when they are not sure of paying back?.
This money is in circulation, if people keep holding onto this money, business is bound to fail.
Let's face the truth and leave sentiments aside.

Let me use your scenario now to paint how wicked these Chinese loan companies are..

Now imagine you have a bar and you are selling a bottle of bear for 6000naira istead of 350 that other bars sell theirs.. both you and the other bars, allow customers to drink on credit based on self discretion..

Now this man is very thirsty for bear and he walks into those reasonable bars and few only offered him one bottle on credit, why most declined his request because they felt he couldn't pay...

Now this man, walks into your bar and you told him the ridiculous amount (6000) you sell yours and you could let him have two bottles as oppsed the 1 he was offered by the previous bars.. of course you know how expensive your drinks are and for reasons best known to you, you give him the two bottles at 12,000naira instead of 700naira..

He drinks the beer and on the date he was supposed to pay, he told you he couldn't meet up, would you say he is a thief? Did he compell you to give him the drinks? Didn't you do your assessment before giving him the two bottles at such ridiculous amount?

Why you would be thinking he is a thief who only came to drink without intentions of paying back,
what do you think he would be thinking, knowing that he would have drunk those two bottles elsewhere for 700naira but you capitalized on his financial drought, to exploit the fvck out of him?

Let's face the truth and leave sentiments aside..

Mixedfraction:

And you expect him to answer that question on a forum like this?

i have already gotten in touch with me, he has answered me

swarley75:
i have already gotten in touch with me, he has answered me

No wahala