₦airaland Forum

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 ...

SilentEmma:
Ok...

I had intentions of paying them back... Even till now I am still making efforts to pay them (so what you are sure about is totally wrong)

The only time I will zero my mind In paying them back, is when they start defaming me, which untill now they haven't...

Now, as to why I will borrow from five different institutions

(i blame myself for that, I was definitely foolish and stupid to be taking from one loan app and be paying another, not knowing I was digging a pit for myself that I can't come out of easily)...

It got to a point I became overwhelmed, and I said to myself I can't continue taking from A to pay B... I really messed up... But don't u think it's better I stay alive than bow to their pressure and do something stupid just to pay the loan...

See bro, that you are okay doesn't mean some others are... It's well

seanery:
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

GBPUSD:
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.

GBPUSD:
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.

SilentEmma:
Am even more relaxed now than I was about a month ago, when the first one was due, I wanted to kill myself with too much thinking, but then when I came online and met guys like you who gave me morale, I hardened my heart to what ever it's... After all I no kill person, after all... The total amount they have made from me as interest in the past is ×3 of what am currently owing them...

I still regret finding myself in this mess, but what can I do, we are all in the same country, we dey see how things dey go, if they think defamation is the way forward, let them continue

We4all:
My love...

SilentEmma:
Fairmoney is straightforward, everything there is clear to u... You see everything there before you proceed, the amount eligible to be borrowed, you select how you want to repay...

Fairmoney has no issue, just that ... Things bad for me, I really regret owing 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...

seanery:
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

Jman06:
Your modus operandi is fraudulent and that is why you resort to blackmails in recovering loans. Coupled with the exorbitant interests you charge which, in most cases, you don't disclose until people have fallen into the traps of taking your loans out of desperation. Genuine money lending institutions like banks don't work like that.

SilentEmma:
Hmmmm wetin Una dey do no good o... Do you know how many people have commited suicide cause of solo loan

Marc3500:
ok
But one more question can I borrow 200k at first registration or I'm required to borrow a small amount first

LoanShark:
For as long as you hold onto another person's money your destiny will be stunted.

GBPUSD:
Don't do that. Pay them when you have.

They're hustling guys like us who get employed by these Chinese.

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

authority2006:
You don't get it. If eventually you can't get more loans from those online loan apps, won't you shift your attention to somewhere else to seek financial help? You went that way because you saw it as the easiest way, from the first one to the fifth one, haba! If you could still get from more, you would have gotten it

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

LoanShark:
For as long as you hold onto another person's money your destiny will be stunted.

JobAndVacancies:
sorry to ask.
Abeg wetin you been carry all these loan money do?
Didn't it yield investment or returns of investment or any kind of profit as proceeds to use and maybe gradually pay off these loans?

SilentEmma:
Brother I no get time to argue with you, the fire burning me is way too overwhelming that I will start narrating this and that to you...

Stay bless abeg

authority2006:
You don't want to take responsibility, that's typical of humans

SilentEmma:
That was a great question...

I borrowed the money to treat my self last year

When the loan debt was 220k what I was expected to pay back to just 2 loan apps...

I foolishly bowed to their threat and pressure that they would defame me if I don't pay back...

Just because I lack the wisdom and idea on how to control it (was trying to avoid defamation then) something I am now risking facing ... I started taking from app A to pay B, C to pay...

That was how I hooked my self up in this mess... Since January till now I have been foolishly taking from one loan app to pay another, even my salary goes to clearing of loan, which still won't end...

So I had to stop, brace up for whatever wants to happen...

The picture represents how my call log looks like everyday day... I don tire

ivandrag0n:
I am looking for a gay partner.

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...

Goldbw122:
When I borrow I always pay back, but the issue I have with them they will keep calling my number always.. hmm well this is there numbers ..
If someone can report them I will be very happy..

Or is there a way to stop them from calling apart from blocking their number ..

Blacklist number
‭02092992198‬
‭02092992281‬
‭02014148466‬
‭02092992221‬
‭02018870468‬
‭02018874040‬
‭02014146502‬
‭02092990841‬
‭02092992349‬
‭07080634605‬
‭07000611686‬
‭02092991424‬
‭02014144215‬
‭02092990620‬
‭02018874046‬
‭02092990627‬
‭02092990622‬
‭02018876115‬
‭02018876118‬
‭02018876104‬
‭02092990669‬
‭02018885921‬
‭02014148508‬
‭02018885923‬
‭07000611645‬
‭02018885925‬
‭02014144213‬
‭02092992235‬
‭02014148592‬
‭07080627875‬
‭02092992241‬
‭02092990665‬
‭02092990667‬
‭07080627882‬
‭07080642664‬
‭02018876132‬
‭02014144212‬
‭02014144211‬
‭02014148517‬
‭02014148660‬
‭07080642662‬
‭02018876103‬
‭02018876120‬
‭02018876134‬
‭02014146539‬
‭02018876130‬
‭02018885927‬
‭02014144210‬
‭07080627883‬
‭02014144218‬
‭02018876105‬
‭02014148552‬
‭02018876129‬
‭02014148687‬
‭07080627874‬
‭02014144209‬
‭02014144207‬
‭+12543601674‬
‭02014146533‬
‭02092990664‬
‭02018876108‬
‭02018885741‬
‭02092992282‬
‭02018885926‬
‭02018876135‬
‭02018876112‬
‭02018885920‬
‭02092990666‬
‭07080634601‬
‭02092992191‬
‭07080642667‬
‭02092991429‬
‭02092990668‬
‭02018885922‬
‭08037501213‬
‭07026742973‬
‭09062804017‬‬
‭+442080685742‬
‭09151471049‬
‭07019236718‬
08058510713

Thomthom:
Go to playstore and install Truecaller.