₦airaland Forum

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

SankaraSo:
Ahn Ahn

Guy na you dem create loan app for be that

Nobody suppose even use am apart from you

You are a compulsive borrower. You need behavioural therapy.

Holumhidey:
Just go to third mainland bridge
Take your shoes and wrist watch off
Then take a leap of faith into the lagoon

DamnnNiggarr:


You don't have to worry about eazycash and Ocash because, FG has dealt with them.

But on a more serious note, you can begin now to pay by installment.

Chairman sir!
Longest time?
Is like you're also a debtor like the op?
I may be of assistance in clearing of your loan
What do you think?

emmyN:
So how has the loan company ruined you? You took a loan when you clearly knew you had no means of paying back, so what were you expecting? Will you take similar loans from your friends and colleagues and not expect to pay back? Aside closing these loan sharks, I think the government really needs to deal with you defaulters because what you lots do is clearly an act of theft.

Xristars:
I just read a news on front page now, that some of these loans companies has just been closed.

Some of them you owing was involved in the list.

But my advice to you that might help a bit is try and borrow from close friends, make a list of 20 people that can gift you 2k without you refunding it. it's crowdfunding Sha. Use it and service some debts

Then sell some assets you have.

Then never borrow from them again

Then, you can learn an online skill, just as creation and sales of digital products.

just suggestions though.

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

englishmart:
Those loan app guys are criminals. Their interest rates are criminally extortionate
I once took a loan from an online outlet #4000. The interest was 2000, i.e 50%. I deliberately took that loan, I wanted to see what my defaulting to pay back was capable of attracting. They called, I took the call, the lady was like "Your debt is overdue, when are you paying" I told her I didn't know, and didn't care. And btw you have a very beautiful voice. Tell your boss to tell his boss that I won't pay."

They sent texts in thousands,I didn't even care. They threatened to to defame me, hack into my contact and inform them I was a fraudster. They were also coming to arrest me. I told them there's nothing to defame. Buhari is owing, Nigeria is also owing.
After some months, they moved from using threats and scurrilous language to entreating. They even said I could pay by installments. Installment ko, installation ni? Because of them I stopped taking calls from numbers I didn't have on my contact. Later they said I should pay 4000 and they will waive the accumulated interests.
"Ehen, na now una come. Send me the account number."
I transferred the money to them.
I later checked their app to know my eligibility status, or to see if I could take a higher loan. Lo and behold, I was dishonorably blacklisted.
Wetin concern me.
Some will even go as far as asking for your card detail. Yahoo boys have gone better.

Holumhidey:
Just go to third mainland bridge
Take your shoes and wrist watch off
Then take a leap of faith into the lagoon

Jalinspy:
Bros na u just dey worry urself. I was in a much bigger mess than u but I broke free when soko loan double debited me. I wrote mails and call them tire. The refused to return my money.
Then I took the decision to borrow as much as possible from non registered loan apps up to the tune of over 200k.
It helped me renew my international passport & I used the remaining complete my Japa movement.
Today I am happily living where I am.
My advice to is: ignore there calls,threats,etc.
Download true caller so u can easily identify their spam calls.
Better get strong mind.

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

shortIGBOman:
Emeka, wusian da

Emeka wey never chop for days. Na you wan help pay off somebody loan

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

Chillext:
Bros you dey learn for where I dey

YourFavorite21:
sir, if you read my message clearly. I had no intention of defaulting or runing away with their money, I just needed money to run my projects because things are really hard for us, my colleagues have gone far, in their project, I had no choice than to go for the loan, because all my aunts and uncles are not willing to help me.

englishmart:
Those loan app guys are criminals. Their interest rates are criminally extortionate
I once took a loan from an online outlet #4000. The interest was 2000, i.e 50%. I deliberately took that loan, I wanted to see what my defaulting to pay back was capable of attracting. They called, I took the call, the lady was like "Your debt is overdue, when are you paying" I told her I didn't know, and didn't care. And btw you have a very beautiful voice. Tell your boss to tell his boss that I won't pay."

They sent texts in thousands,I didn't even care. They threatened to to defame me, hack into my contact and inform them I was a fraudster. They were also coming to arrest me. I told them there's nothing to defame. Buhari is owing, Nigeria is also owing.
After some months, they moved from using threats and scurrilous language to entreating. They even said I could pay by installments. Installment ko, installation ni? Because of them I stopped taking calls from numbers I didn't have on my contact. Later they said I should pay 4000 and they will waive the accumulated interests.
"Ehen, na now una come. Send me the account number."
I transferred the money to them.
I later checked their app to know my eligibility status, or to see if I could take a higher loan. Lo and behold, I was dishonorably blacklisted.
Wetin concern me.
Some will even go as far as asking for your card detail. Yahoo boys have gone better.

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

Duke007:
Hi every one, l have been a nairalander for over 10 years and have seen people get advised here, thats why l am putting this up with my account.
I am not blaming anybody for my predicament, neither do l blame the loan app company for their shark like business sytle, l take responsibility for my actions. I am one of those people who criticized people for Falling into the trap of online loan company. It's basically a rat race syndrome and tends to take you deeper and deeper from the seemingly innocuous first attempt.

It all started when my side hussle of buying and selling food stuff suffered a decreased in cost of replacement due to inflation and my sales boy stealing my money. I took my first loan to boost my business and realized that the cost of the loan is high. Since then, it's been a malicious cycle of robbing Peter to pay Paul. I realized that l was lossing money in each transcation and in order to meet up with my payment to avoid defaulting, l resorted to other loan company. Now, l don't even no what to do, all cash injection coming to me is spent on servicing the loan. I can't even feed my family and pay my children school fees. I am tire of this scenario and want to break free. It has taken a toil on me physically, mentally and spiritually.

I seek advice from people who have gone thru this ugly experience on how to break free before it is too late. Below is the list of my indebtness:

Ucredit #22,976. 15.03.22(due date)
Oxloan #26,250. 17.03.22
Lcredit #60,000. 17.03.22
Eazycredit #58,904. 21.03.22
imoney. #20,242 24.3.22
Okash #42,416. 31.3.22

I welcome any useful suggestion on how to break free. Thanks

Jalinspy:
Bros na u just dey worry urself. I was in a much bigger mess than u but I broke free when soko loan double debited me. I wrote mails and call them tire. The refused to return my money.
Then I took the decision to borrow as much as possible from non registered loan apps up to the tune of over 200k.
It helped me renew my international passport & I used the remaining complete my Japa movement.
Today I am happily living where I am.
My advice to is: ignore there calls,threats,etc.
Download true caller so u can easily identify their spam calls.
Better get strong mind.

Jalinspy:
Bros na u just dey worry urself. I was in a much bigger mess than u but I broke free when soko loan double debited me. I wrote mails and call them tire. The refused to return my money.
Then I took the decision to borrow as much as possible from non registered loan apps up to the tune of over 200k.
It helped me renew my international passport & I used the remaining complete my Japa movement.
Today I am happily living where I am.
My advice to is: ignore there calls,threats,etc.
Download true caller so u can easily identify their spam calls.
Better get strong mind.

emmyN:
So how has the loan company ruined you? You took a loan when you clearly knew you had no means of paying back, so what were you expecting? Will you take similar loans from your friends and colleagues and not expect to pay back? Aside closing these loan sharks, I think the government really needs to deal with you defaulters because what you lots do is clearly an act of theft.

emmyN:
Did you ask them? Did you even ask your Dad first? You were his responsibility for the time being and it wasn't in your position to decide. You say you had no intention of defaulting, so how were you planning to pay back in the first place and what changed? I know all of this is irrelevant now. There are students earning good money while studying, you should learn from them so you could help yourself and not have to go on a borrowing spree? If you don't have a skill yet, start actively learning one now, because from what I see, you are in for a rude shock when you eventually finish school at the end of the academic year.