5thAngel:

No one is defaming no one. You refuse to pay your loan means u have a dubious character.
You talk about taking a legal route, not all company's are like banks that can afford to, other companies try to minimise cost and going through that route truncates that aim.

The banks you glorify are worst, they collect collateral, and God help you when you don't pay up your loan on time.

To each his own, like I said, borrow if you're sure you can pay back. If not, you take what you see.

Take care.

fabolousneyo:


As a public servant or salary earner, what if one is not being paid on time due to strike or salary delay , at times some people don't receive payments due to some other reasons for months, and you ain't able to meet up with repayments and they start their useless harassment, how will you feel ?? The truth is that sokoloan are the most useless fintech operators ,they employ people without certificates, and they lack strategy and customer relations..one day they will be a scapegoat of having to pay someone heavily by a law suit and they will fold up patapata..

techmaster092:


It's wrong to borrow to feed especially if you are not working.... Some borrow and forget that they are even owing

uboma:



On top 1k!

Haba.

Toktee:
Did u read anywhere the op said he refused to pay?

tubolancer:
And after saying this, you want me to buy from you, to hell.

SILVERLINES:
brother I feel your pain. This exactly what they did to my colleague at work. It was just 10k and this criminal when ahead to message all his contact including our boss. The damage was too much to bear, he almost lost his job and trust. But on a serious note I have been thinking from that day that something has to be done, maybe forward this cruel incident to the appropriate authorities.

Claudiusdeux:


Well, the thing is, if you read the terms and conditions of the loan app...they warn you in bold letters that if you don't pay up, after some time, they will start sending messages to your contacts.

It is enough to scare some people.

tubolancer:
And after saying this, you want me to buy from you, to hell.

Stellly02:
noted bro, but people don't bother about the long epistles, do you for example when installing a software on ur laptop read all the agreement? But u still go ahead to say u did. The tiny details are mostly ignored.. Thanks for the clarification anyway

marsup:
y'all need a proper training, on "Excellent Customer care".

Jerkules:
Sir i knw u having second thoughts abt,it wnt cost u anything to say NO than ignoring the person. I hav contacted my ppl bt nothing is forthcoming till second week of january,u hav helped me b4 i wl neva 4get u. Bt situations like this whr u dnt knw who to run to. I wld hav abandoned the graphics training i am doing 4 anoda job but i am entitled to something huge once i complete the training,so which wld u choose?

Omihanifa:
One guy told me Soko loan went and sent a message to his ex- girlfriend only for that one to even load them with additional information about him

He said the babe gave them his house and office address only for Soko loan to call him the next day and they were telling him that if he doesn't pay up his debt they will come to his house and office

5thAngel:

I'm sorry to hear about your bad experience. I work at Some Loan and it is their policy to send those messages to a loan defaulter's contact.
They employ a lot of people and just like banks or other institutions that gives a target, there are bound to be employees who tend to be very harsh on customers in a bid to get them pay up their loan.
It's unlikely you'll get your demand for messages to be sent to your contacts to notify them that your debt has been paid, I'll advise you let it go, no matter how painful it is.

Once again, I'm sorry about your experience and for others who have experienced this.

NewLogicalMind:


By "Excellent customer care" I'm sure you mean for them to come grovelling and begging you to repay your loan

Sunnyja:
It's always good to check and double facts and experience from people who have done business with any one or organization before getting involved with them.
Yours was even good because the loans was due and you didn't meet up on time. Mine was 5hours above the due date and even when I was in the bank doing the transaction they have already sent malicious messages to my contacts say that I was a wanted criminal who took huge loans and ran away.
I know of guy who also lost a job opportunity because of the message they sent to the man who was supposed to interview the guy. They are pathetic lots.

techmaster092:

I can't help you at this time

cuteralph101:
bro shey u have paid? Get the terms and conditions read through check the part that talks about failure to pay loan, read and understand. Bro sue their broke ass. Palm credit is too legit. I once borrowed 15k and I needed to pay from my Eco Bank but service was bad I couldn't transfer to my UBA which is automatically connected to Palm Credit. They sent a message to remind me to pay. I was just lackadaisical about paying but I knew definitely I will pay. 5k was sent to my UBA them collect am sharperly remaining 11k but notwithstanding I sent the money as I got network to my UBA after over 60hrs no issues I paid no disgrace just normal reminder. For that I give them 6 Stars. Dont stress urself about those Soko bastards. They don't have guts to run a company. Sorry but ensure they tender apology on national daily and send a correction message to ur contacts

Kabiyesi12:


Those fool working for sokoloan will think they are doing their job. I pity them. their insult is too much.

sammugbes:
Those sokoloan guys are crazy, am a victim oooo, they frustrated my life, heart, I almost ran mad cos of them, God reward them

possibilita:
Choi i use God beg carbon make them no try this with me.
Coz as them Don dey send me text threatening legal action so I hope no be next step

sammugbes:
Those sokoloan guys are crazy, am a victim oooo, they frustrated my life, heart, I almost ran mad cos of them, God reward them

5thAngel:

Refusing to pay and not paying in the due date alongside the days of grace given is taken as one thing. This has gone beyond what d OP said. I'm said it in a general context especially to loan defaulters crying foul.

Jerkules:
Sir i knw u having second thoughts abt,it wnt cost u anything to say NO than ignoring the person. I hav contacted my ppl bt nothing is forthcoming till second week of january,u hav helped me b4 i wl neva 4get u. Bt situations like this whr u dnt knw who to run to. I wld hav abandoned the graphics training i am doing 4 anoda job but i am entitled to something huge once i complete the training,so which wld u choose?

wizztheman:
I borrowed money from this Soko bastards a while ago.I was unable to pay on agreed date,That was how the threats started. I told the staff that called me to give me till weekend that i would make payment den(was expecting a transaction to come thru by Friday) .The basterd didn't. Still went ahead and sent a demeaning text to my contacts.I was suicidal for the whole week. Wen d transaction cleared. I called the basterd, asked her if she needed more of my contacts so she can send anoda round of SMS cos I wasn't ever going to make payment (Since the deed has already be done). Packed my load and left Naija for good. Make dem find me come where I deh now na. Basterd Sons of bechees!!.


PS: the operate with other names oo..not Just As Soko Loan

6ixT8:
And to think I've being owning Ealla credit for a very long time. They havnt done this to me.

I need to repay this guys asap. Cos I won't be able to stand this shiit.

Generally loan isn't good at all.

francdec4:
Carbon is more understanding all you need to do is write them a mail and explain your difficulties and why you are unable to repay back at the moment.