Sue them,what nonsense!!

IprintMONEY:
lets not be to fast to condemn these guys, the apps are meant for people that need urgent cash, they send it at the speed of light without collateral, without asking you to come to their office or asking you for a guarantor, the price you pay for it is the high fees and the fact that you have to pay back fast. peasants like u abuse this shit. pay the fuckers exploiting poor peasant and uninformed nigerians of their money or get the Bleep off.
mistakenly collect ncash or any app related to ncash money and see wetin them go do you

What collateral that's bigger the your entire bank info?


This guys know that having all this info in their data based is better than car or landed property.


Stop defending criminals.

Remembered mine with Sokoloan of recent.. Requested for a loan around 8am in the morning for and emergency and they didn't credit my account till some minutes to 7pm..

Tried reaching thrm throughout that day to cancel it, their numbers not going through. I was able to finally reach them through mail and they end up giving me excuses insisting there's nothing they can do.. 8am to 7pm. I ended up paying their money and deleted their app off and mailed them to delete my details on their platform.

Those people are just using style to milk us. I wonder why their contacts don't always go through.

EricSmallz:
Palm Credit did exactly same thing to me 3 years ago. I told them pointblank that I will never pay for the default, not in this life, not in the next. Idiots

And you want enter Heaven!

DAramis:
Most of these app are only interested in getting access to your details which they will use to open fraudulent accounts overseas and lauder money.

Don't be surprised, in future, if you travel to China, you might be detained under the impression that your passport details matches account used to commit fraud in their country. Currently, Indian citizens are passing through such.

ahhh

illitracy:
Before registering, use a fresh or formatted phone, load fake contacts and grant the app permissions so when they sync and hope to use your contacts to blackmail you

lol... Do you think they are fools?

They use details of SMS messages in your phone to know how much to grant you... If they don't see messages on your phone, they won't give you 1naira, at most, they may give you 2k for a start.

I encountered the same issue recently. I borrowed three thousand naira only. While I was trying to pay back, technical issues came up, I couldn't pay when I should.

A guy called, he threatened to use police after me, I asked him because of how much? He said I am a bast*rd I was angry. I replied him with heavier curses.


I paid back the next day. This morning, as I was going through my phone. I saw their apps. I deleted it without thinking twice.

xpool:
BET9JA IS NOW BANKRUPT.
They no longer let customers to withdraw their winnings. For weeks now bet9ja has stopped paying winnings, they are fraudulent.

BEWARE OF BET9JA
BET9JA IS SCAM
STOP DEPOSITING INTO BET9JA ACCOUNT.
STOP USING BET9JA

How much be ur money wey dey dem hand??

No be clear eyes person they use collect loans from these loan apps... Most of them are a clear definition of GREED!

ElPayaso:


Sorry to say but you are dumb. What if the OP is staying far from the location of their office?? Will they refund him?? I'm sure you are their agent, tell them to work on their app and stop the foolish act

�������

phemmyfour:
You can't do it manually? Visit their office? You have no excuse

After reading someone post saying you are Dumb, I couldn't help but agree with him. Dude, you are dumb.

sam564:
I still dey owe fastmoney seff...
I brorrowed 14k to pay 19,150 after 2weeks ioo, , only for me to enter the app before the elapse of the 2weeks and I saw repay #20500..... hooowwww manage nah!!!! already I no get any money that period so I just use the money buy small foodstuff keep dey manage... na person wet chop dey pay debt... dey done call me tire, I no dey pik, because I no get shingbaiiii....is not intentional sha...
still waiting for a miracle to happen so I can pay dem...

I meeeuuuvvvveee

I don't think you will ever be able or have intention to pay it. Because the interest will have accumulated beyond your imagination!

Believe me, I started using loan apps while I was doing my second degree (my thesis).

I was forced to use these app because I was expecting a scholarship fund which was delayed, so I had to get some fund to complete my project. I borrowed from BRANCH, PAYLATER (now CARBON), FairMoney, AELLA and PALMCREDIT.

I was borrowing and repaying on time. This made them all to increase the amount of loan I could get. Three years down the line, I have built a good credit score. I have NEVER defaulted for once. I work in a good establishment and I am a key person in the organisation. However, life happens, my investment collapsed and I was also defrauded. I was unable to pay my loans.

BRANCH was calling to know why I defaulted considering my good record, they were also giving me tips on what to do to reduce my loan repayment...they were really fantastic.

CARBON....Left me for a while, then they started disturbing with calls every day....I almost had heart attack...but they were still considerate.

AELLA....They were not too forceful on repayment. I paid them quickly as it was a small loan I collected.

PALMCREDIT....The worst of them all. They almost gave me high BP. Their loan was small but their threat was the greatest. They ssent a message that they would sent to all my contact that I was a thief and fraud who ran away with their money. Oh my God, Me that I have lived a good life all my life...how can i be declared as a thief....my wife must not know this, how about my in-laws, people at work, coursemates, pastors,.....I had more important people on my contact list, I could not imagine the reputation damage that would cost....I just had to borrow money from a friend to pay them. THEN i learnt a lesson of my life, it is better to borrow money from a friend or family member than to borrow from these loan app. They can soil your good name just because of N5000. After making payment, then some money entered into my account....they debited me, and the loan I had already paid did not reflect....I chatted them, they were playing me from one agent to the other. The one who sent a threat message to me said, he was not in charge of my account that he cannot reverse the debit, the one who was in charge of my account, was more of an illiterate....he kept sending threat messages to me even after I had made payment...later she would sent threat messages to me and tell me to ignore. I was like, Why not remove my number from your list of debtors. It took about 2 weeks before their system clears off my debt. Next time, if I see Palmcredit....I will never stop by. Up till today my excess fund is still in their hands.

FAIRMONEY: This one is very dubious. One day after your repayment due date, they will start adding interest to it. No grace period at all. I borrowed 80K for three months...after paying two months, I decided to pay for the third month even before the due date....so I can have access to get another fund, guess what....they gave me same loan but this time, they wanted me to repay in just one month.


I thank God I am free from them all today.

Based on my experience, the best loan app in Nigeria today is BRANCH, the second is CARBON....Outside these two...run away!


In everything I give thanks to God, I learnt in a hard way never to borrow money just because you qualified for a loan.

THANK GOD I'M FREE TODAY....SERIOUS IT IS NOT GOOD TO BE A DEBTOR

ekene101:
I really dealt with them

How bro

IprintMONEY:
ignore that idiot, na agent e be, me i have no issues with the chinese people, but i swear if i catch any agent, i will personally dent him or her face

Jashub:
These loan companies have no conscience whatsoever and our government keeps turning a blind eye to the way they treat customers. But no be their fault. Had it been say we get people wey dey function for government, all these nonsense of borrowing no go dey and even if e dey, humane conditions go follow am

You can write or call your representative to investigate the issue. If you don't formally complain they may not know what is going on

Abalado:
The same experience with easy credit,that one is even worst I swear,the same problem with them too,I've paid their loan and the actual changes o,the thing keep accumulating ,,e concern me?

. Better blocked your ATM now, because e go consign you when they start deduct the money from your account and your bank no go do anything, bank also works hand in hand with them.

Confirm!

slaypapa:
Forget their threats and face ur life they can't do nothing..

Almost all these online loans are fraudster.
I had a similar experience, I then reported them to EFFCC and CBN, it was when I sent them the copy of my report that they allowed me to repay my loan.
I wouldn't know if they were contacted by any of the agencies but I sensed urgency in their approach towards me.
Since then I stopped dealing with any online loan apps

Asiseeit:


Swears! Problem is desperation is what drove many people to them. They are really mad. I'm trying to extricate myself from them patapata.

There's one I took from, when it was repayment time I was debited twice. I told their customer agent, she said it's not their problem that I should go to my bank.
My bank confirmed the double deduction and directed me to the loan company's bank. I got there and was told that the account is dedicated to me and though the money went there 2ce, the account is empty as the money has been remitted to the larger parent account.

I called their customer care again, they told me to get lost. What will I do? Me wey no get money just let my 14k go to waste?
I took another loan from them, cleared my bank account and I'm waiting for them to call me to ask me to pay for the new loan. They will see crazy.

Guy na man u be,

Nackzy:

OP don't stress yourself with those people i had Same experience with them, send me a mail so i can show you the best loan app ever, even when you default they give you a lengthy grace period

Homie please mention those apps that will give you grace so Nairalanders will stop falling into bad loan apps

Asiseeit:


Swears! Problem is desperation is what drove many people to them. They are really mad. I'm trying to extricate myself from them patapata.

There's one I took from, when it was repayment time I was debited twice. I told their customer agent, she said it's not their problem that I should go to my bank.
My bank confirmed the double deduction and directed me to the loan company's bank. I got there and was told that the account is dedicated to me and though the money went there 2ce, the account is empty as the money has been remitted to the larger parent account.

I called their customer care again, they told me to get lost. What will I do? Me wey no get money just let my 14k go to waste?
I took another loan from them, cleared my bank account and I'm waiting for them to call me to ask me to pay for the new loan. They will see crazy.

Enjoy your money bro

Asiseeit:


Swears! Problem is desperation is what drove many people to them. They are really mad. I'm trying to extricate myself from them patapata.

There's one I took from, when it was repayment time I was debited twice. I told their customer agent, she said it's not their problem that I should go to my bank.
My bank confirmed the double deduction and directed me to the loan company's bank. I got there and was told that the account is dedicated to me and though the money went there 2ce, the account is empty as the money has been remitted to the larger parent account.

I called their customer care again, they told me to get lost. What will I do? Me wey no get money just let my 14k go to waste?
I took another loan from them, cleared my bank account and I'm waiting for them to call me to ask me to pay for the new loan. They will see crazy.

That must be L-Credit. A very fraudulent online loan company. Whoever loves himself should avoid L-Credit completely no matter how pressed for a loan one might be.

Opinion..
Having challenges with other loan apps try fairmoney loan app using my link in order to get quick accesss to a loan https://fairmoney.app/referral?referral_code=FMYZS.
What I have experienced with the app
1.when you pay back ur loan on time you will get the chance to take another loan more than what you have borrowed before
2.when you don't pay on time or your loan is overdue they will call you with different agent and politely ask for the reason you haven't pay back
3.when ur loan is overdue it will start generating interest for 10 days only
4.when they notice you are not making any effort in paying back your loan then your case will be taken to the bureau
5.As you borrow and repay your loans even if you have missed a payment date or your loan have been overdue in your loan history
You will still get a large amount of loan for 6 months tenure or more.
6.you can also extend your ongoing loan when you notice you can't meet up with the current amount you are owing.

Toktee:
What collateral that's bigger the your entire bank info?


This guys know that having all this info in their data based is better than car or landed property.


Stop defending criminals.

no i am not defending criminals, other loan companies also collect these info ans still ask for guarantor and collateral. my point is, what u are paying for is for the guarantor and collateral they dont ask for. we need to know that for anything we get in this world there is a price for it

authority2006:


I don't understand, on what basis are you abusing and insulting the Op if I may ask you? What did he do wrong in all these?

just a gentle trouble maker

Bros I'm currently in this yoke, please what if they start embarrassing the person through sending texts to his contacts, because that's the part I fear the most
Please I need assistance

steeltrust:
Bros no worry your self
Just go your bank block your ATM and other for new
You re free
Nothing go happen

As for me I don do them tire

Gbagura:
branch is the best and the most effective I can vouch for. They don't shout you down even if you default and they won't slam you late fees if you default. I will never take loan from any other apps besides branch app.

Most Nigerians don't know this, what of migo money are they good in handling late payments?

EricSmallz:


I disagree with you bros. I be like rat when people go just trace kill like that? Besides, how.much maximum can they give out? Or you think they will spend more on assassins and still lose their money?

bro dont loose ur life for nothing o. first they can give as much as 300k naira, maybe even more. i know a guy that collects 280k.
and yes a naija agebero or useless cultist can kill u for as little as 10k or 20k.
as regards tracing you, dont forget u put your exact nin info before the loan is guaranted, dont also forget they make u put on your google location before giving out the loan. these guys are new in naija. anyone that have stayed in any asian country will tell u that a chinese man will kill u for as little as 50 naira without looking back

Gbagura:
brh is the best and the most effective I can vouch for. They don't shout you down even if you default and they won't slam you late fees if you default. I will never take loan from any other apps besides brch app.

dont cast it lol, trust nigerians to abuse it soon

Asiseeit:


Swears! Problem is desperation is what drove many people to them. They are really mad. I'm trying to extricate myself from them patapata.

There's one I took from, when it was repayment time I was debited twice. I told their customer agent, she said it's not their problem that I should go to my bank.
My bank confirmed the double deduction and directed me to the loan company's bank. I got there and was told that the account is dedicated to me and though the money went there 2ce, the account is empty as the money has been remitted to the larger parent account.

I called their customer care again, they told me to get lost. What will I do? Me wey no get money just let my 14k go to waste?
I took another loan from them, cleared my bank account and I'm waiting for them to call me to ask me to pay for the new loan. They will see crazy.

if you can, report them with your statement of account to consumer protection department of CBN and NDIC , THEY WILL BE WELL SANCTIONED WITH YOUR FUNDS REVERSED

Deadlytruth:
That must be L-Credit. A very fraudulent online loan company. Whoever loves himself should avoid L-Credit completely no matter how pressed for a loan one might be.

i have said it before.. Lcredit is the worst loan app amongst them.

If you love yourself, just stay away from Lcredit if you're not sure of repaying on time, if you ever default, the damage they will do to your person is rather imagined than experienced.

The best is Branch and Carbon...

Branch no get problem, if you default, they hardly disturb you with calls or messages and they won't add any more money to the loan.