sparkyJ:
I want to call the attention of the government to save us from the embarrassing calls and messages of loan companies.

They always claim the debtor dropped your contact with them which is NOT true but rather they send messages or call all numbers on the contact list of the debtor. I have never taken a loan in my life neither do I care to do so.

I got a message today from a company called CREDIT9JA that somebody took a loan from them, that he dropped my number as an emergency number for them to call. Why dragging innocent people into a deal or transaction they know nothing about?

The most annoying part is that u might end up not knowing the person; reason is because people can get people's contact without their consent.

This is the 3rd time i will encounter this. The first was abt a schoolmate of mine during my undergraduate days, the second was a fellow Corp member during my service in the core North and now is a stranger who have my number. Yet these people suddenly claimed he is my relative. It's so annoying! I called back and gave them a stern warning. See the reply I got.

Can you drop their phone number, let's finish them with calls.

Remag666:
No wonder I swr I was wondering why the useless girl would drop my number for them... they've sent me that their stupid text last month

You sef dey owe Chinese people

OP, the introduction of legal measures to enforce the payment of the loan is not in respect to you. Since you didn't know about the loan of directly or impliedly sanction the collection of the loan, you're in no way a party to the contract. You're not a guarantor either to pay a loan you know nothing about. The company knows about it. They just want you to get in touch with the person and relay their imminent action to him. The message itself is ambiguous and as such susceptible to miscomprehension.

Honchoslim16:
I work with an online loan company.
The reason why we call debtors contacts,is because they are the ones close to the debtors, since the debtor is ignoring our calls...they know how to talk to the debtor so that he/she can pay up and avoid unnecessary messages or calls.

It now depends on how the Loan Collecting Officer addresses you...... because not everyone who knows how to relate good with others.

When someone's loan is 19 days overdue,I do call and speak politely their contacts to help me reach to the debtor..... within 3 days,the money gets paid.

Since you believe they are close to the debtors, why can't you call them and ask for credit worthiness of the debtors before granting the loan?

thesicilian:
It's not the company's fault. The criminal probably dropped your number as a close contact and they are helpless now that he has absconded with their money

Whose fault? Are they not supposed to do a background check before availing loans to their so called 'customers'. It's common sense nau

Bubblewitch:
no one was forced to borrow after seeing their conditions... This is just an excuse and don't justify the criminal actions of defaulters

It is not criminal.

Debts are a civil matter.

AuroraB:
Did you people saying this, truly read the post Or you read and couldn't comprehend nii
The op didn't take any loan!

You are the one that can't see I am giving a general advice.

DoggoneDogg:
Upgrade your circle ogbeni.
Avoid interacting with poor people so you won't be getting such again.

.... Who poor go rich one day... No dey talk like say poor people no dey your family

DoggoneDogg:
Upgrade your circle ogbeni.
Avoid interacting with poor people so you won't be getting such again.

Apple doesn't fall far from the tree. I'm not surprised this is coming from.

DoggoneDogg:
Upgrade your circle ogbeni.
Avoid interacting with poor people so you won't be getting such again.

Apple doesn't fall far from the tree. I'm not surprised this is coming from you. IPOB supporters don't make use of their brains

noeloge82:


No loan company will reply like this ,this is just yahoo boys on the beat

that's how the stupid pple sends their replies

TheFacelessMan:


You are the one that can't see I am giving a general advice.

Then you gave the advice on the wrong thread

ivolt:


Even if that is the 10th time he is receiving the message,
no sane person will reply in such manner unless they are the debtor.

una no de read at all?
the 2 replies are from the loan company

I have gotten calls and messages from 3 different loans people over the last few months, some of the calls are recorded messages played to people. It just continues ranting rubbish even as i am angrily responding that I dont knkw any Ajoke or Chukwuma or Suleman.

I just block their numbers. Period.

MrFollowFollow:


The anger in your response suggests that there is something you've not told us

una no de read at all?
the 2 replies are from the loan company

Na arewa boys new format be that..... I have had similar experience

Honchoslim16:
I work with an online loan company.
The reason why we call debtors contacts,is because they are the ones close to the debtors, since the debtor is ignoring our calls...they know how to talk to the debtor so that he/she can pay up and avoid unnecessary messages or calls.

It now depends on how the Loan Collecting Officer addresses you...... because not everyone who knows how to relate good with others.

When someone's loan is 19 days overdue,I do call and speak politely their contacts to help me reach to the debtor..... within 3 days,the money gets paid.

Na ogun go kill your papa


Beta look for another job .. idiot

thesicilian:
It's not the company's fault. The criminal probably dropped your number as a close contact and they are helpless now that he has absconded with their money

Lie. De go thru his contact. Fairmoney can never call ur contact

sammysmiles:
The person can't even spell criminals
I thought they are official loan companies
That's how my uncle that promised to send me money,forming big Man.... My Mum called me and said she was sent a message from cashapp, that he(my uncle) is owing them and should try and pay that they are calling him, he's not picking.... I jxt weak... The funniest thing is they said he dropped her number as next of kin... Am very sure he collected a huge loan...

They employ poly students ( ond) , that knows how to abuse wella

Segzy22:
Imoney almost got me sacked because they sent message to my Boss calling me a criminal after paying 80% of their money. Oloribuku people

What happens to carbon, fairmoney m branch. Even palm credit is manageable.

TheFacelessMan:
Why borrow what you can't pay back?

I have a golden rule. I NEVER borrow.

I don't LEND too because of negative experience with debtors.

If I have, I would give.

It's better to borrow than to steal

tamdun:

Oga calm Dan,my wife's phone was stolen and these theives wipe her acc and also take loan with her num, u need to see the way the company is disturbing me, money wey mife no spend fa

How did de get the pin and the atm number of ur wife

olaayodele:


Why did you take alone that you couldn't pay back 100% at the last stipulated time? For you not to have paid back the remaining 20% shows that you are dubious.

There are modalities for such cases. It does not always mean the person is dubious.

The bottom line is that the repayment is remaining 20%. Work toward the completion of that 20% is what is to be focused on.

smasher1:


I don't understand all these people
How do you get debtors as friends? Delete them from your friend list

A debt is an instrument. Countries have national and internal debt profiles. Even your country is owning tonnes, it could even be argued that everyone is/has been/will be a debtor, at someplace or some instance in life. "Do you service your debt?" is one among questions... Are you going to strike your country off your list too, lols... Only to end up with another country with debts too... Of course, it's what they do with the debts and how it is serviced that matters.

Even Dangote that you may want to be friends with uses it. The rich and wealthy also borrow, how many will you strike off your list because of their private businesses... Do you even have the strength, money and resources to privately investigate someone's business project that may or may not affect dealings with you?

Lcredit is the worst, staff will insult you like die, even if they call you they will still insult you. everything about Lcredit is fake, I took loan from Lcredit and I paid all the Loan debt but yet they refused to clear my debt but I received insult everyday.

Get a premium version of Truecaller and thank me later. Speaking from experience here

Taiwo20:
Get a premium version of Truecaller and thank me later. Speaking from experience here

Lols

abatically:


Lol, it doesn't work like that. Before u can take a loan u will have to give their app access to ur contacts and even whatsapp contacts. So the app will download all ur contacts, so once u default they will start calling and sending messages to all ur contacts. If u have ur boss or important people in ur contact they will call them too.

Lol...ok. dem get luck

thesicilian:
It's not the company's fault. The criminal probably dropped your number as a close contact and they are helpless now that he has absconded with their money

Is it not appropriate for the company to verify the number before issuing out loan. How can someone walked to you, collect money from you and said, take this number, he is my brother in case I default or you can not reach me.

Is that not stupidity. Let them fashion out other means of validating the authenticity of claims before releasing loan.

olaayodele:


Why did you take alone that you couldn't pay back 100% at the last stipulated time? For you not to have paid back the remaining 20% shows that you are dubious.

You sound like one of them. �

thesicilian:
It's not the company's fault. The criminal probably dropped your number as a close contact and they are helpless now that he has absconded with their money

don't be ignorant and senseless at the same time.

sammysmiles:
The person can't even spell criminals
I thought they are official loan companies
That's how my uncle that promised to send me money,forming big Man.... My Mum called me and said she was sent a message from cashapp, that he(my uncle) is owing them and should try and pay that they are calling him, he's not picking.... I jxt weak... The funniest thing is they said he dropped her number as next of kin... Am very sure he collected a huge loan...

Huge money? Not at all.
It could be as low as N1500.