₦airaland Forum

Currently trending is a video of a hilarious exchange between a Nigerian man and PalmPay, a popular loan app in Nigeria.

In the video, a customer service representative from the app calls the man to remind him that his loan repayment is overdue by two weeks. But instead of panicking, the man decides to engage her in a comical conversation.

As the lady tries to inform him that the call is being recorded, the man cheekily asks, "Will it be posted on TikTok after the recording?" Unbothered, the customer care agent continues, reminding him that his loan is actually two months overdue and he hasn't even paid the interest. The man quickly responds, "Even my landlord called yesterday to say my rent is two months late. Is this a new TikTok trend?"

The agent replies, "You're not the first person whose landlord has said that, and that’s not my business. My concern is with the money you owe the bank."

After a few more back-and-forths, the agent tells him he agreed to the terms and conditions when taking the loan, and they have the records. The man fires back, "But in your advert, you said if someone borrows ₦15,000, they only have to pay back ₦15,050. Now you're asking me to pay ₦20,000 interest on a ₦15,000 loan. Will you also post that recording online?"

At this point, the customer care agent becomes agitated and threatens that if he doesn't repay the loan, the company will begin its recovery process—which includes freezing his bank account and possibly his phone.

Suddenly, the man goes quiet. The lady, noticing the silence, keeps asking, "Hello? Are you there?"

He then responds calmly, "I dey there na. I don start the freezing. By the way, if una freeze my account, nothing dey inside wey una fit freeze—na empty vacuum."

Furious at his response, the agent snaps, "Excuse me, are you mad?"
To which the man replies, "Nope. And you?"

You just have to watch this video to get the full dose of laughter! It's been trending across social media platforms and cracking everyone up.

Watch the video now and enjoy a good laugh!

https://www.youtube.com/watch?v=mMSjzZxld1U?si=GE3xchQ1o53BPtBk

Summary:

A hilarious phone conversation between a Nigerian man and a PalmPay loan agent has gone viral. The agent called to demand repayment for an overdue loan, but the man responded with witty comebacks, turning the serious call into a comedy. From joking about TikTok trends to mocking the loan interest, the man's replies left viewers in stitches. The video has since trended widely on social media, drawing laughs from many.

I dey owe like two currently. I will pay when I become financially stable but for now Truecaller is doing the Lord's work by blocking off those calls 🤙🏽

Loan app should give out more loans this period. Nothing is wrong with loans.

In USA the cars clothes and homes are loans
That is one thing they won't tell you about abroad. Americans live and breathe on loans

Why not Nigerians??

Make wuna dey pay wuna debt abeg. See people wey want make county better.


Nigerians! God forbid.

Goalnaldo:
I dey owe like two currently. I will pay when I become financially stable but for now Truecaller is doing the Lord's work by blocking off those calls 🤙🏽

I dey own upto 50 of those loan apps. NYSC sweet that year

Laslas na on top food and amaka toto I spent the money

Truecaller is the key to less disturbance

I dey owe only my neighbor. No loan app fit disturb me

I dey owe like 7 loan apps aswear down and no be my fault óò nah tinubu regime cause am

I don't know how their ads are being approved for public consumption, they will advertise to take loan of 100k and pay 100,500 back but once you take the loan, they will ask you to pay 160k back and you will be wondering how 100,500 turned to 160k.

Goalnaldo:
I dey owe like two currently. I will pay when I become financially stable but for now Truecaller is doing the Lord's work by blocking off those calls 🤙🏽

Won't they libel you by posting all those crazy stuff about you to your WhatsApp contacts?

This is one of the reasons why credit card system will never work in Nigeria

Nothing hilarious here. If you are owing a financial institution, try and clear your debt to keep the system running. Else where, such financial institutions provide capital support for small businesses to strive. They need to be encouraged not to be frustrated

The palm pay debtor is truly a clown 🤡
It was hilarious 😂
He was unperturbed by the customer care agent's concerns.

See the shape of the head ...we know where diswan holed out from....to think these are thesame people accusing the present government of misrule bests any rational comprehension.

Watianoengineer:
I dey owe only my neighbor. No loan app fit disturb me

Oga abeg return my money, I don try for you this stubborn neighbour

They is nothing hilarious there .... If u don't want to pay back .. don't borrow fullstop.. we should stop encouraging bad habits and still be cursing polithiefcians

.. .
... una dey owe gbese with pride?

Pay up what you owe Biko.
But true true the loan apps no dey try sometime.
Different advert different offer.

Stage, most loan use AI robot voice to calls, most of the call is 30seconds

This guy don make beer choke me now.
The beer comot for my nose....

Omoapena:
I don't know how their ads are being approved for public consumption, they will advertise to take loan of 100k and pay 100,500 back but once you take the loan, they will ask you to pay 160k back and you will be wondering how 100,500 turned to 160k.

Those loan apps are just criminals taking advantage of people's vulnerability to swindle Nigerians.

Nigerians are poor at paying debt. Run from family and friends. You can't shame the shameless, your business will be on hold while the sleep well. Money for ground, back for ground.
Some will even tell you Nigeria is owing countries 🤦🤷🏿

No gree make Dem use sweet mouth send you back to village. You will having sleepless nights while they party around..

Yorubastardz:
Loan app should give out more loans this period. Nothing is wrong with loans.

In USA the cars clothes and homes are loans
That is one thing they won't tell you about abroad. Americans live and breathe on loans

Why not Nigerians??

There serious consequences for not paying your loan over there but here in Nigeria people think it's something to joke about

The guy think that's funny. Only if he knows that many businesses are packing up because of such attitude, you take goods or money and failed to pay back . Even many are losing their job because of that. People like that caller , obviously, that's her JD , once she did not meet up due to that senseless attitude displayed by that chronic debtor, she will be either sacked or frustrated out of job once she couldn't meet up.

Stomoney:
I dey own upto 50 of those loan apps. NYSC sweet that year

Laslas na on top food and amaka toto I spent the money

Truecaller is the key to less disturbance

Hope you know you can't borrow money from Nigeria bank. They must have flagged you already.

Baddest

Yorubastardz:
Loan app should give out more loans this period. Nothing is wrong with loans.

In USA the cars clothes and homes are loans
That is one thing they won't tell you about abroad. Americans live and breathe on loans

Why not Nigerians??

Because this are unregulated loan sharks driving Nigerias into further poverty

The attitude of Nigerians to loan repayment is very shameful!

I remembered the one time I used a loan app and borrowed 5000 and a business failed. Meh I exceeded the period by 3 days and they were on me. Calling raining insults and threatening defamation. Omoh i got angry and did my. Research on legal matters. When they called when i sent emails and started recording and giving them word for word. They calmed down. I was angry about the insults and threat to my me.

I turn lawyer for them and surprisingly they stopped and i was able to pay them in time. But since then i just stopped. Deleted the damn app and i don't use it any longer. It's not worth it

The guy is a shameless eeediort ....imagine 15k loan he can't pay back and he is making content with it ...anyway when dem freeze his acc out and blackliast his Bvn his eye will clear

Stomoney:
I dey own upto 50 of those loan apps. NYSC sweet that year

Laslas na on top food and amaka toto I spent the money

Truecaller is the key to less disturbance

So you think this is something to be proud of?

No wonder why you're not progressing

Tijani009:
Because this are unregulated loan sharks driving Nigerias into further poverty

Do not take loans from an online loan app if you do not have a source from which to repay the loan

Majority of Nigerians are deceitful in a nature.