₦airaland Forum

G0Oodharddick:
Dude opay directs you to Easymoni, that's how it works. They're in partnership

I know

Goldbw122:
When did you borrow this money?
How much was it?
What did you use the money for?
What is holding you not to be able to pay back?

1. I borrowed the first money from new credit and across cash in 2023... When I was sick (80,000 & 50,000) respectively

2. Everything from the beginning was 130k to pay 225k...
Trouble started when I couldn't meet up and now took from branch to pay new credit and from okash to pay xcross cash... Beginning of my downfall (now my eyes don clear say I cannot continue taking from A to pay B

3. I used the money for medical bills... Cause no one was able to help me then...

4. What's stopping me from paying back now is that, the total debt has risen in excess of 500k... Though I can't pay all at once and there's no way I can meet up with the deadlines... I am making effort by doing monthly contributions with my small salary pending when I will get the bulk money to pay back...

Praying and hoping they dont tarnish my image before then... But if they do, it's completely finished between me and them ...

ICTspecialist:
of I pay that money make I kpai

What will.i do? I pay oo,my work deals with integrity

gentleguy1975:
I think they are to blame! They practically tempt people to borrow! imagine opening YouTube or Facebook app And seeing this people luring unsuspecting nigerians to take loans

Now imagine a student who haven't eaten since morning seeing such tempting offer!

The even called me gives me good offer of 100k to pay 110k with 3 months,who will not jump for that offer in Nigeria?

Not knowing is a big scam?

SilentEmma:
1. I borrowed the first money from new credit and across cash in 2023... When I was sick (80,000 & 50,000) respectively

2. Everything from the beginning was 130k to pay 225k...
Trouble started when I couldn't meet up and now took from branch to pay new credit and from okash to pay xcross cash... Beginning of my downfall (now my eyes don clear say I cannot continue taking from A to pay B

3. I used the money for medical bills... Cause no one was able to help me then...

4. What's stopping me from paying back now is that, the total debt has risen in excess of 500k... Though I can't pay all at once and there's no way I can meet up with the deadlines... I am making effort by doing monthly contributions with my small salary pending when I will get the bulk money to pay back...

Praying and hoping they dont tarnish my image before then... But if they do, it's completely finished between me and them ...

The part that everything went bad is using a loan to pay a loan that is where it actually went really bad I'm asking this question, because I really have a very great idea, which is very stupid idea I want to be able to borrow from like 5 loan apps or 9 loan apps, the interest is what is really bad if they can reduce their interest that would have been great but when I calculate everything to borrow because I have been borrow before so they have give me so much big money to borrow so if I do that I will be incuring a lot of interest on my neck on a very long run and if I default the money will be very huge and my type of work we not be able to pay for that debt in a very long run so that take a very long time...

I wish they can be able to lend somebody a very big money like 5 million or 10 million for the next 3 years or least 1.5 years added interest rate but the interest rate of this banks, I don't know if it will be very huge, so I think the commercial banks or lapo or other banks will have some kind of cool interest rate on them. I've actually research about the them but they are very difficult to understand so they can go to any extent to destroy your image if you were not able to meet up with the app payment and they will increase your daily percentage interest when you're not paying they will keep adding so the interest day by day, i think you should read it on the platform in their customer review before you accept their loan, I pray you will be able to pay back..



You would have find another alternative means to be able to acquire that money without borrowing because the interest rate is too huge I think for someone to be able to borrow from loan app that he has a backup funds that he will use to recover that kind of money in case anything goes wrong and you have that kind of money like twice or thrice of that amount of money to be able to like give back that money without even feeling it so that is the whole sense of loan, I don't think loan app is when you need money that is when you borrow, NO, it's when you need excess money that you have access money on ground so be able to pay back that's PAY BACK. PLAN

Like you said "Praying and hoping they dont tarnish my image before then..."


This is my plan but I aborted because the interest is too high and the business that I want to use it for is too risky, I want to trade online . So anything can happen so I just stop..

Here's a breakdown of the loans:

Loan Breakdown:

1. Branch:

Loan amount: ₦29,000

Amount to pay back: ₦38,080

Interest: ₦38,080 - ₦29,000 = ₦9,080



2. Palmcredit:

Loan amount: ₦14,000

Amount to pay back: ₦17,360.09

Interest: ₦17,360.09 - ₦14,000 = ₦3,360.09



3. EaseMoni:

Loan amount: ₦156,000

Amount to pay back: ₦257,400

Interest: ₦257,400 - ₦156,000 = ₦101,400



4. Fairmoney:

Loan amount: ₦12,500

Amount to pay back: ₦16,875

Interest: ₦16,875 - ₦12,500 = ₦4,375





---

Totals:

Total money loaned/credited:
₦29,000 + ₦14,000 + ₦156,000 + ₦12,500 = ₦211,500

Total money to pay back:
₦38,080 + ₦17,360.09 + ₦257,400 + ₦16,875 = ₦329,715.09

Total interest to pay:
₦9,080 + ₦3,360.09 + ₦101,400 + ₦4,375 = ₦118,215.09

Walz001:
They (Blackman) want a life of a western world but can't sacrifice truth to have it ....

Even though they don't take your land and properties must we owe them at due time

I have some guys buy phone from online and later use software to destabilize the app so they won't collect their money anymore and some borrow and never use the app again so they won't pay

Why are we this wicked
Why are we the devil we preach against
But soon we will be calling the leaders for not doing the right thing

Anyone involved should do the right thing please
And don't come and tell me their interest rate is high ... Did you see it before collecting it ?

We just have to try and live right

I was in your soe before,I want Nigeria to work but until those loan app do my shege ,I don't pity them again,how I wish people that have no integrity t lose to colect many laon nd no pay again.i am trying to show video of what transpire between me and them

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...

lol ur money is increasing daily

Lekan239:
lol ur money is increasing daily

Hmmmm am really overwhelmed... Don't know what else to do...

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.

It is funny how I know this hotel.
The address is not even correct

I will collect loan from dem now and i will not pay back

ANEX LENDING

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...

Owing five loan apps and not paying back one or two of them, that's very callous of you. What were your intention when you were borrowing from the first one to the fifth one?

Country is hard true true.

Even me sef dey owe okash, easemoni, vlend, and fairmoney........ I no i tend paying back.

Money no dey

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...

PLEASE HOW MUCH ARE YOU OWEING EACH PER SAY

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...

seanery:
PLEASE HOW MUCH ARE YOU OWEING EACH PER SAY

Hmmm... You sound like you want to use my situation to get some hope...

The truth is that ... I owe branch 24,600 which is now 26k+ due to overdue charges... Though it's the last installment...

Xcross cash is 200k to pay 300k... Spread out to 3 months, am yet to pay any... So it must have gone up ... Due to overdue charges

Okash... Everything is almost 200k as well... Paid some ... Remaining some ...

New credit... Paid 25,000 out of first 49,000k installment, remaining balance and the other 49,000

As for Fairmoney, I collected 500k to pay over 800k in the space of 12 months for my sister and we are paying that one together, still defaulting small small... Yesterday I paid something, so they will know am still paying...

At first on a previous thread when I came online to seek for consolation from people, when the thing choke me... Many people told me to be calm, that my own is even learning from where some peoples own are, and they are not being perturbed as much as I am...

Some even advice me to borne them... But I won't do that, I will strive and pay them... But for now I can't kill myself

Am more relaxed now than before after hearing from people...

Another thing I observed is that this loan people, though the ones I am owing, are scare of using the tarnishing image method, cause if they do, their money is gone... (Wetin my mind dey tell me o)...

So bro, that's my story, I owe over 500k for okash, new credit, branch and xcross cash

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...

God no go shame us.

authority2006:
Owing five loan apps and not paying back one or two of them, that's very callous of you. What were your intention when you were borrowing from the first one to the fifth one?

Hmmmmm... May God not allow you experience anything that will make u borrow from loan app, that's all I can say to you

Dem DEY MAD.

I DEY OWE ROUGHLY N200K, AND i will never pay.

Its almost a year now.

My bank and name still intact.

Una faada

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

LEMME TRY DS.
But i am not paying back

Feldie:
if you have money, pay the 400k you borrowed and forget about the rest. I know someone that borrowed 5k from Carbon, after some time they were even begging her to send the 5k and leave the 3k interest

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.

That’s a wrong way of recovering the loan. Report to NITDA and file a complaint with FCCPC.
Repay the loan gradually, it could be 5k per week or 1k per day. As long as it’s convenient for you.

You may as decide not to pay since they have tarnished your image already.

Whao...!!!!

You na strong man o.

Money am oweing in total is not even up to 160k.


And am not intending paying bk any again.

I don too try ..., and now am broke.


SEE DO THIS, deactivate ur atm.., remove app permissions..., clear data..., and us Truecaller to block all spam and unsaved numbers.

Thats all.

They will never reach u

SilentEmma:
Hmmm... You sound like you want to use my situation to get some hope...

The truth is that ... I owe branch 24,600 which is now 26k+ due to overdue charges... Though it's the last installment...

Xcross cash is 200k to pay 300k... Spread out to 3 months, am yet to pay any... So it must have gone up ... Due to overdue charges

Okash... Everything is almost 200k as well... Paid some ... Remaining some ...

New credit... Paid 25,000 out of first 49,000k installment, remaining balance and the other 49,000

As for Fairmoney, I collected 500k to pay over 800k in the space of 12 months for my sister and we are paying that one together, still defaulting small small... Yesterday I paid something, so they will know am still paying...

At first on a previous thread when I came online to seek for consolation from people, when the thing choke me... Many people told me to be calm, that my own is even learning from where some peoples own are, and they are not being perturbed as much as I am...

Some even advice me to borne them... But I won't do that, I will strive and pay them... But for now I can't kill myself

Am more relaxed now than before after hearing from people...

Another thing I observed is that this loan people, though the ones I am owing, are scare of using the tarnishing image method, cause if they do, their money is gone... (Wetin my mind dey tell me o)...

So bro, that's my story, I owe over 500k for okash, new credit, branch and xcross cash

ICTspecialist:
shut up ahnie stop lying.
Were you not the one that needed 40k loan to pay back in 3 installments..
Dey play

Good attitude is better than education unfortunately, you are far from it. You attack him as if you are sure of what you are typing. Tweeeeeh to satan's candidate 🤣🤣🤣🤣🤣🤣

Paramount01:
The even called me gives me good offer of 100k to pay 110k with 3 months,who will not jump for that offer in Nigeria?

Not knowing is a big scam?

similar thing happened to me

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.

It's you ...pay your sokoloan

Mtchewww!!

gentleguy1975:
similar thing happened to me

I feel for it oo,they gave me 15k to pay 30k within 7 days

Paramount01:
I also fall a victim,somebody called me that they can give me laon of 100k to pay 110k in 3 months,I said I don't want but on the other hand I think is a good laon,not until I told him I need ,she said she will chat me on whatapp to send me the link,she did,I asked ,if is less than 100k.i don't want,she said is 100k to pay 110k within 3 months.

She sent 2 app to me,the first I downloaded it and filled the requirements after filling ,I saw a message I have borrowed 5800 to pay 10k in 7days,I chatted her up she said she will cancell it now,I said better do,she said I should used the other app that I showk be carrying her along as I progress in the registration,I was informing her ,until I finished and I was giving 13000 to pay 26000 all with 7days,I was schock ,I called her and she block me ,I have to look for extra 18k to pay .till now ,I sent cursed message to her everyday .so don't blame people when they defult

This is horrible and I am sorry for your experience. I think the company should be reported.

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

I never give loans.

Ringstonermask:
where did u get that statistics from?

From random people I have given loans over the years. It is actually more than 95% in my estimate.

Nnamdipapa:
This is horrible and I am sorry for your experience. I think the company should be reported.

How can I report them? Did I knwo them? honestly,I paid I a very hard way,I would have share the chat with you but the video is much,I can send it to your whatapp number to see our chat,I paid because of my integrity that is atstake,if I see people that don't pay again I am always very happy because I was duped

Paramount01:
I feel for it oo,they gave me 15k to pay 30k within 7 days

lol,

luminouz:
It's you ...pay your sokoloan

Mtchewww!!

My love...

Paramount01:
I also fall a victim,somebody called me that they can give me laon of 100k to pay 110k in 3 months,I said I don't want but on the other hand I think is a good laon,not until I told him I need ,she said she will chat me on whatapp to send me the link,she did,I asked ,if is less than 100k.i don't want,she said is 100k to pay 110k within 3 months.

She sent 2 app to me,the first I downloaded it and filled the requirements after filling ,I saw a message I have borrowed 5800 to pay 10k in 7days,I chatted her up she said she will cancell it now,I said better do,she said I should used the other app that I showk be carrying her along as I progress in the registration,I was informing her ,until I finished and I was giving 13000 to pay 26000 all with 7days,I was schock ,I called her and she block me ,I have to look for extra 18k to pay .till now ,I sent cursed message to her everyday .so don't blame people when they defult

God sent you free money but you didn't realize it; probably because you think they have access to your contacts. No they don't. Google prevented them from doing that since 2023.

One credited me 6500 to pay 9300 in 7 days time without me asking for loan. He's still begging me to pay the 6500 and leave the interest. I'll pay him the 6500 next year if God touches my heart.

You take loan abi you no talked loan?