₦airaland Forum

and this will make the person pay? 😂😂

if they can borrow me 3m to 5m that I won't pay back, I won't mind them sending this nonsense message to my contacts

My contacts will understand and just laugh out loud

njelrapheal:
xcrosscash and new credit will do.

They are both owned by the same company, for now... They haven't and I pray they don't do it till I get money to pay them back...

But it eventually they defame me... I will sing oya so pe otilo for their money

Normally Yoruba no dey pay back there debt. Rather they will sleep with dogs as a payment.

ICTspecialist:
I owed palmpay for almost two weeks, they only threaten to call contacts but didn't. Na only calls and messages if threats you go receive after then nothing.
A week later salary dropped and they auto deducted everything

Hmmmm that was because your atm was still active that's why they did the auto debit... As for me my ATM kukuma expired long ago, so they can't auto debit me

SilentEmma:
I am currently owing
1. Okash
2. Branch
3. New credit
4. Xcross cash
5. Fairmoney

And they are all due... Not that I am not making efforts to pay them back, I am...

The country is too hard...

Though for now I only receive calls and constant reminders from anyone of them, that if I don't pay they will report my bvn to credit bureau... Sometimes branch and Fairmoney will tell me they will take legal action...

None of my contacts have called me yet to report any form of defamation yet...

I just hope and believe that these five loan apps I am owing are part of the ones that done defame... God go help me out to pay them all...

Just repay fair money loan first, those people are really fair and reasonable...others are thrash and deserve the wrath of God and Nigerians

Northernblood8:
Yoruba people doesn't pay back loan. They will rather sleep with dog

shameless ibo pig Yoruba will finally be the end of you…your hate and envy for them has not stopped your cursed migrant tribe from migrating to yorubaland

If you have any shame left in you, you will go hang yourself…idiat

SilentEmma:
Brother I will never in my life teach anyone how loan apps works, it even you have over 100% means of paying back when u borrow, pls am so sorry ... I can't be the one to tell u how it works...

I don wish anyone to pass through what am passing through, not even my worst enemy...

These loan apps will take away your peace of mind and sanity... Better to be a street beggar than to take from any loan app...

The worst is when u start taking from one loan app to pay another...

I borrowed over 400k to pay close to 800k in 8 months from Fairmoney...

Jesus 😳

Nnamdipapa:
Sometimes it is hard to blame these people as it is the kind of environment prevalent in Nigeria. Over 95% of the average Nigerian borrow with intentions not to repay and these people are into business to make money.

I honestly do not blame these loan companies as they have to resort to whatever means to stay in business.

Avoid giving loans to friends and family in Nigeria if you don't want unnecessary stress in your life!

motionarena:
Don't worry Son

Am here to save you

Please am open to any help, pls help me... God bless you...

I need to be free and get my peace of mind back

Marc3500:
Jesus 😳

This no be Jesus matter o, who no go, no go know...

I know what I pass through on daily basis

Like I said nah only God go help me...

One thing I know is that ... I won't commit suicide cause of them

We4all:
I woke up to hear my phone bleep, and when I scrolled through the message, I shook my head in disbelief. How far will these loan apps go? Attached is a screenshot of the message. To the commenter below, the message was sent to my phone and probably to others as well to defame the loan defaulter. I can't even recall where I met the person at the center of this mess, but she sure had my contact saved on her phone.

did I read them saying to save lifes ? What a yeye loan app.

EmperorCaesar:

Umaru, You need to start taking your drugs bro
Its obvious that the last time you had a nice night was the day Yaradua died

that pig is an Okoro from cursed alaibo disguised as an Hausa don’t be deceived…they are so shameless now that they adopt other ethnic nationalities name

We4all:
I woke up to hear my phone bleep, and when I scrolled through the message, I shook my head in disbelief. How far will these loan apps go? Attached is a screenshot of the message. To the commenter below, the message was sent to my phone and probably to others as well to defame the loan defaulter. I can't even recall where I met the person at the center of this mess, but she sure had my contact saved on her phone.

Ahnie why did you blot out the name?

ponishah:
WILL YOU SHUT UP.
DOES THAT LOOK LIKE COMPLAIN FROM A LOAN APP OR ANY HUMAN?
YOU NIGERIANS LIKE STUPIDITY AND THATS WHY POLITICIANS AND POLICE TREAT US AS THEY LIKE, BECAUSE WE ALWAYS LOOK FOR A WAY TO JUSTIFY ANY RUBBISH, EVEN MURDER.
KEEP QUIET NEXT TIME YOU DONT THINK.

THERE ARE PROCEDURES TO RECORVER LOANS IN NIGERIA AND THE WORLD OVER.
DEFMATION, LIBEL, FALSEHOOD, BLACKMAIL, DEHUMANISATION, GROSS VIOLATION OF DATA PRIVACY AND CRIMINALITY ARE NOT WAYS TO RECORVER LOANS.

SHUT UP , AND STOP SUPPORTING JUNGLE JUSTICE

oga go pay ur money,
u are all thieves

SilentEmma:
I am currently owing
1. Okash
2. Branch
3. New credit
4. Xcross cash
5. Fairmoney

And they are all due... Not that I am not making efforts to pay them back, I am...

The country is too hard...

Though for now I only receive calls and constant reminders from anyone of them, that if I don't pay they will report my bvn to credit bureau... Sometimes branch and Fairmoney will tell me they will take legal action...

None of my contacts have called me yet to report any form of defamation yet...

I just hope and believe that these five loan apps I am owing are part of the ones that done defame... God go help me out to pay them all...

y
wow

EmperorCaesar:

Umaru, You need to start taking your drugs bro
Its obvious that the last time you had a nice night was the day Yaradua died

Which umaru? That's an Igbo bigot right there

SilentEmma:
Hmmmm that was because your atm was still active that's why they did the auto debit... As for me my ATM kukuma expired long ago, so they can't auto debit me

So you have no intention of paying back your loan

YemyTemmy:
Just repay fair money loan first, those people are really fair and reasonable...others are thrash and deserve the wrath of God and Nigerians

Exactly, I don't even reason others anymore... Make dem do their worse...

Though if from now till when I get bulk money to pay, they dont do anything stupid, I will pay them...

But if they make that mistake of defaming me, that's the end...

lol…Agbede transformer is in ikorodu lagos.

SilentEmma:
So after this, will she still pay the loan...

My colleague own wasn't even this bad and got offended. He didn't settle the loan

ClassicMan202:
The truth is 90% of Nigerians borrow money without the intention of paying back...

The lenders themselves are not without faults either, why would you charge exorbitant interest rates?



From research and observations, e.g read the comments from this thread, you will see for yourself.

what is the source of ur statistics ogar ?

Stop spoiling our country with ur primitive maths.

We4all:
I woke up to hear my phone bleep, and when I scrolled through the message, I shook my head in disbelief. How far will these loan apps go? Attached is a screenshot of the message. To the commenter below, the message was sent to my phone and probably to others as well to defame the loan defaulter. I can't even recall where I met the person at the center of this mess, but she sure had my contact saved on her phone.

I think Nigerians should be encouraged to borrow massively from loan apps and not pay a dime. This ought to teach them a lesson.

SilentEmma:
I am currently owing
1. Okash
2. Branch
3. New credit
4. Xcross cash
5. Fairmoney

And they are all due... Not that I am not making efforts to pay them back, I am...

The country is too hard...

Though for now I only receive calls and constant reminders from anyone of them, that if I don't pay they will report my bvn to credit bureau... Sometimes branch and Fairmoney will tell me they will take legal action...

None of my contacts have called me yet to report any form of defamation yet...

I just hope and believe that these five loan apps I am owing are part of the ones that done defame... God go help me out to pay them all...

So the god was watching you get so broke that you need start borrowing and he watches you borrow till now . Na when you die this god go help you?

No go find work keep hoping on an imaginary god to pay .

The same god that your pastors are collecting money for everyday .

G0Oodharddick:
These types of loan apps are usually rubbish. They're not registered with CBN.

A registered loan app such as opay, etc won't do this rûbbish

You people will just be talking rubbish?

A loan app does not need registration from the CBN because they don't take deposits from the general public besides they are not under the direct supervision of the CBN

LoanShark:
So you have no intention of paying back your loan

I do, but my salary in a month can't wipe out even 20% of any of the loan app... I am doing contribution to that, so if they keep deduction of salary... It's like pouring water inside basket cause it won't end...

So it's better it gets overdue and I work on how to pay them back once and for all

gare:
So after this do you expect to get back your money, because you will be sued for deformation defamation and not that your small money she borrowed

School no be scam!

ICTspecialist:
I owed palmpay for almost two weeks, they only threaten to call contacts but didn't. Na only calls and messages if threats you go receive after then nothing.
A week later salary dropped and they auto deducted everything

You sure say na same palmpay wey I know you dey talk about, palmpay wey send defamation message to my contacts on due date, due date o, I haven't defaulted they sent messages already, dey play.

A lot of americans owe their country thousands of dollars in student loan and some will not pay till they die but you don't see this rubbish.

I know Nigeria is badly governed but a day is coming when these loan sharks will go for good.

If you find out, it may not be upto 50k this lady is owing + interest.

santaclaws:
These loan apps should be avoided at all cost cos they've done more harm than good. Better to borrow money from family and friends than to use loan apps.

They are always tarnishing people's image once the person fails to pay back on the stipulated date. Even if the person is on the hospital bed, they don't care. Very callous set of people.

They should actually be banned cos those loans are just being used to exploit Nigerians. High interest rate, short repayment period... CBN isn't doing it's job cos these people have violated a lot of ethical banking codes...

But people knew all these before collecting the loan.

HydraFeeds:
There was a time I need urgent 20k to sort out an emergency but I had about 15k . This loan app loaned me 1.5k just for seven days with interest rate of about 70% . They threatened to call and message all my numbers and tarnish my image on the particular date the loan is to expire .

Also ,these strange numbers have been spamming my number and WhatsApp with loan offers since then .

I understand their loan has no collateral but other means of collection should be deployed . Like registration with CBN ,since they collect BVN before loan approval,CBN can authorise deduction from any bank the BVN is linked to .

Consumer right is important in business .

The problem is that most times people who have no means to pay back also collect these loans so even if you get a Global debit instruction you might still not recover anything at the end of the day even though you have spent additional money to get the necessary approvals

maestro299:
But people knew all these before collecting the loan.

Don't mind them, it's when time for repayment comes they start coming up with all kinds of useless stories

SilentEmma:
I do, but my salary in a month can't wipe out even 20% of any of the loan app... I am doing contribution to that, so if they keep deduction of salary... It's like pouring water inside basket cause it won't end...

So it's better it gets overdue and I work on how to pay them back once and for all

Contact them and request a suspension of default interest then work out a new repayment plan