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

erase and update.

Mrxawe:

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

check my profile and WhatsApp

Vernon26:
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.

u re wise bro..too much wisdom no go fhuk u up.. more wizzy to ur wisdom..

Just got that. So after sending such they expect the person to pay? It is only a fool that will pay after they have sent such. They have done their worst.

Vernon26:
0913 657 1167 this number na one of the gocash vultures named John the number's even on whatsapp.

U can forward this to who can track him down.

Cc Memphis3366

08165913274

Mrxawe:

I tell person say palmcredit na loan shark in disguise and dem dey message contacts too he dey argue. Palmcredit isn't in the class of branch and carbon. Although their interest and tenr dey okay but they message contacts too. They Don threaten me before. Had to pay them tho. This image below was gotten from that Twitter thread.

Please I need the palmcredit WhatsApp contact

Read these pages from 1-20. My conclusion is this..

Paying them means they defamed you, spoilt your name, spoilt your business and in some cases made you lose your job and at the end , they still got their money. It means score na 0-2. . It also means you're simply a fool, a very big one. They spoil your name and you still pay them? It means they chop you clean mouth na. They over chop you sef coz of their crazy interests and accumulated charges. That's the real definition of chop and clean mouth lol.

Be wise.

NewDelhi:
Read these pages from 1-20. My conclusion is this..

Paying them means they defamed you, spoilt your name, spoilt your business and in some cases made you lose your job and at the end , they still got their money. It means score na 0-2. . It also means you're simply a fool, a very big one. They spoil your name and you still pay them? It means they chop you clean mouth na. They over chop you sef coz of their crazy interests and accumulated charges. That's the real definition of chop and clean mouth lol.

Be wise.

No mind them. E get one wey text me for WhatsApp this morning, say make I pay my loan before 4pm or them go do this and that. I ask am maybe him no dey this same country with us or if him neva dey circumstantial situation before. I tell am say, if them send anything, make them forget am, and I dey sure say my contacts no go pay 1 coin.

NewDelhi:
Read these pages from 1-20. My conclusion is this..

Paying them means they defamed you, spoilt your name, spoilt your business and in some cases made you lose your job and at the end , they still got their money. It means score na 0-2. . It also means you're simply a fool, a very big one. They spoil your name and you still pay them? It means they chop you clean mouth na. They over chop you sef coz of their crazy interests and accumulated charges. That's the real definition of chop and clean mouth lol.

Non of these apps have access to my contact or location, not even sms

Be wise.

Lol, non of these app will even have access to my contact or even sms talk more of location

E go soon burst for this Naija ones

pek:
Just got that. So after sending such they expect the person to pay? It is only a fool that will pay after they have sent such. They have done their worst.

Which of the loan app is this?

ImpregnaTor:
Which of the loan app is this?

The young say it's Gocash

StreetAgent:

Leave them, they will be in hot mess soon men they reason them matter for street. They think are invisible in this our Nigeria, who sent you to go and work a shark loan, you go explain when hand reach you. Na them females staff of Soko be this and they reside on the mainland anywhere you see them kill or rough handle them. Them go hear am soon

This one na one of their agents for palmcredit

[quote author=Mrporanir post=102546426][/quote]
True words man.
It was when I was in the pains to pay back that I knew who my friends are, I wasn't expecting them to pay but it was their countenance after narrating how these loan sharks disgrace people and how I will be disgraced, I noticed some of them were actually delighted and was killing time to make sure I was disgraced but once God have not said No to you, no other person go reach. Imagine my own cousin preaching to me that I should keep begging them that I don't have the money now despite I told him that they don't listen to reason.

Ikpunekenwa:

True words man.
It was when I was in the pains to pay back that I knew who my friends are, I wasn't expecting them to pay but it was their countenance after narrating how these loan sharks disgrace people and how I will be disgraced, I noticed some of them were actually delighted and was killing time to make sure I was disgraced but once God have not said No to you, no other person go reach. Imagine my own cousin preaching to me that I should keep begging them that I don't have the money now despite I told him that they don't listen to reason.

on this you're absolutely right. Learnt a lot, about my family, my true friends. Very big revelations man. Exact same thing happened to me. One uncle said my dad should call them and negotiate just imagine.

Vernon26:
on this you're absolutely right. Learnt a lot, about my family, my true friends. Very big revelations man. Exact same thing happened to me. One uncle said my dad should call them and negotiate just imagine.

It beats my imagination, how those loan companies think they will get their money after lying, disgracing and spoiling the image of their customers..

Please can you email me (onlynyero@gmail.com) the steps you used to stop them from messaging your contacts. My loan is due and they say they'll start messaging mine. Even after all my good history with them

Vernon26:
on this you're absolutely right. Learnt a lot, about my family, my true friends. Very big revelations man. Exact same thing happened to me. One uncle said my dad should call them and negotiate just imagine.

Papygwan:
Please can you email me (onlynyero@gmail.com) the steps you used to stop them from messaging your contacts. My loan is due and they say they'll start messaging mine. Even after all my good history with them

carefully go through the thread you'll see tips. But i think if u've already taken loan it might be too late. So I'll suggest u start damage control.

Sapa wan finish me I need 5k loan.I applied to palm credit and it was approved but they rejected my bnk acct.


I tried many other apps the same issue,abeg which app is sure?

By first week of august I will pay back.

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.

Vernon26:
on this you're absolutely right. Learnt a lot, about my family, my true friends. Very big revelations man. Exact same thing happened to me. One uncle said my dad should call them and negotiate just imagine.

Imagine this idiots, its like they circulate peoples contact amongst themselves. Maybe due to when I used fairmoney, Lcredit and Migo I do pay promptly sometimes three days after I collect a loan to solve an emergency problem, they are now looking for who to magnet in their net of embarrassment, they don't know am even embarrassed to know am owing anybody. They sent me this and I don't know when I ever registered with them. I will find their email to send them same test I've been sending their colleagues from the pit of hell.

chiboi19:
This clients see that the interest is high before going ahead with the loan, they don’t force it on anyone.
Clients are also warned to pay on due date to avoid unnecessary embarrassments.
When you call this clients on due dates they don’t self don’t comply like if you tell them today is their due date they’ll tell you so what if the days is their due and when you ask them to pay before the days ends they’ll switch of their phone or start giving one excuse which is mostly a lie to get away from paying back that day and when you call the guarantor of the client they might say the said client has paid or he had told them he didn’t take anyloan from that company so they shouldn’t mind us.
So they pushed the collectors to take those measures.

Now, let me ask just one question, after defaming the debtor with such message, do you guys still expect the person to pay back the loan?

MrFollowFollow:


Had it been that we have a sound judiciary system in Nigeria if you borrow and refuse to pay back you would be declres bankrupt and all your assets would be seized by the state and sold to offset your loans.

Go and take a loan in America and refuse to pay and see if you have not not fvcked up your life!

Let's assume that a credit analyst has an average of 10K he needs to recover from 100 clients within one week before his salary is paid do you expect him to start filling court cases for each of the 100 loans. Who has the time to start begging loan defaulters to repay loans?! Just adopt the most effective means of recovery you can think of.

The fact of the matter is that interest rate for loans is high in Nigeria because the risk of giving loans is very high in this country. Even an average Nigerian will never give a loan to another Nigerian because he knows it will never be paid back!

I asked one of you collèague this question and I want to rephrase it to you, what is the percentage of debtors that has paid up their debt after receiving that defamatory message?

Ikpunekenwa:


Imagine this idiots, its like they circulate peoples contact amongst themselves. Maybe due to when I used fairmoney, Lcredit and Migo I do pay promptly sometimes three days after I collect a loan to solve an emergency problem, they are now looking for who to magnet in their net of embarrassment, they don't know am even embarrassed to know am owing anybody. They sent me this and I don't know when I ever registered with them. I will find their email to send them same test I've been sending their colleagues from the pit of hell.

Google automatically saves ur search history, frequently visited sites, even ur Google play activities. So these vultures can get ur details through that way.

The worst is that scammers are now disguising as loan app agents to defraud people in the name of being contacts to someone owing them.


Na to track all these Nigerians those Chinese companies are using as agents to send those nasty messages and deal seriously with them.

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.

Aunty sometimes we should talk with our conscience especially if we claim that it is alive.

The way you are maligning everyone in naija as fraud, okay check out my message, I had an emergency yesterday and collected 10k from migo to pay 12k550 in a months time, I am to be due by next month almost 30 days remaining and this is migo who don't collect any contacts, they only ask you for your bvn and account detail, they don't even ask for your card details, I got some money today and have started paying back as of today as you can see from my text, so If peradventure I mistakenly default on the due date will they now categorise me as a criminal?

Sometimes we are the people that attract what will eventually kill us. Your instance of beer parlour and what is been discussed here does not align at all. These are people that are on revenge mission because of how they were treated unjustly not that they wanted to dupe anybody at first.

I took my time to read the thread from page 1 to the last page and I implore you do same to know what exactly is happening and it is the reason I asked one of their agents that how many of their debtors later paid after sending those messages and did the chinese people later not pay them their salary after the debtor made up his mind not to pay back?

Vernon26:
carefully go through the thread you'll see tips. But i think if u've already taken loan it might be too late. So I'll suggest u start damage control.

how do someone go about the damage control

Johnames:
how do someone go about the damage control

Guy study that stuff na for your email!

Ikpunekenwa:


Aunty sometimes we should talk with our conscience especially if we claim that it is alive.

The way you are maligning everyone in naija as fraud, okay check out my message, I had an emergency yesterday and collected 10k from migo to pay 12k550 in a months time, I am to be due by next month almost 30 days remaining and this is migo who don't collect any contacts, they only ask you for your bvn and account detail, they don't even ask for your card details, I got some money today and have started paying back as of today as you can see from my text, so If peradventure I mistakenly default on the due date will they now categorise me as a criminal?

Sometimes we are the people that attract what will eventually kill us. Your instance of beer parlour and what is been discussed here does not align at all. These are people that are on revenge mission because of how they were treated unjustly not that they wanted to dupe anybody at first.

I took my time to read the thread from page 1 to the last page and I implore you do same to know what exactly is happening and it is the reason I asked one of their agents that how many of their debtors later paid after sending those messages and did the chinese people later not pay them their salary after the debtor made up his mind not to pay back?

How can I download this migo app.I need loan urgently.

I need 2k loan urgently,Even if it is a nairalander that can loan 2k I will pay in 7days time with interest.I can give my bvn if you wish.Pls I really need a 2k loan.

Whatsapp me pls.
Zero-eight-one-six-five-triple nine-double two-one.


I need it badly to solve some issues abeg oh.

Sokoloan app nor let me downlaod.Pls make una tell me how I go download am.

achaemeka:


How can I download this migo app.I need loan urgently.

I don't know anything about migo app, they sent me text message and I used ussd codes. Try *561# to see if you're eligible.