₦airaland Forum

Paultee:
same experience my brother these people are devils they almost some people stroke they are bad they distry people life I have d same experience sent my picture to everyone on my contacts down to Abuja Lagos Kano I now look in responsible to the family and the worst part they will never explain dat you tuck a loan from them very bad people

Mr brother.
That's why I advice anyone I know to avoid these apps. There are even other dangers because many aren't even officially approved platforms.
If you miss payment by just a single day, they just assume you are running with their money.😂
Very weird behaviour.

mnuggets:
Triplebuzz
Can you give me a link to those loan apps that sent you that message or their name,?

The one I posted up there was from Swift Loan.
But there were two other apps that sent similar unprofessional messages. Forgotten their exact names.
Worst thing is, I think it was just 2-3 days late on payment when they sent me that particular message.

henndukwe18:
So happy for u bro, how long dd u stay on upwork b4 getting ur first gig

Roughly a month (about three weeks) from the moment I started sending proposals.

odudueffiom:
congrats bro,
Been trying to set up my profile on up work,but can't get something solid...
Alitte heads-up from you will go along way

Okay.
Feel free to PM me whenever you want...👍

eddykaka:
perhaps, life just had to happen so youll loose who dosent deseve to be with u when you hit greatness!! happy for progress bro

Word! 100% True.

Kobicove:
I'm happy for you for regaining your footing financially.

Na this kind news I dey like hear

Omo...No be lie.
Thanks.

Juliearth:
More often than not, God uses challenges to drive us through the path we are intended to take and remove unwanted encumbrances. If all was well and fair with you, you may not have towed this path and your ex may have stayed. Thank God those days are over. Do well to save up cash heavily nd create an alternative source(s) of income.

Exactly…Glad it later turned out well. Just gotta be really careful from now on.

Wealthyonos:
Bro, are you in Lagos? Let's be friends. Our stories are similar, just that in my case, after my girlfriend broke up with me, I begged her for several months till we came back together. But I'm beginning to understand how women think.

I don't live in Lagos.
Good to hear you had a similar experience. Thank God you scaled through.
But bro…You begged your girl for several months?🤔 Ah ah! Why na?

Drifter02:
lol bro. Same here.

I'm a scriptwriter buh it's been tough landing a role on Upwork. I think being connected is best sef. Do you mind that I got your WhatsApp contact.

You can send a PM.✔️
I'm actually not an expert on these Upwork stuffs though. I will just say I got lucky. Because for sure I know how difficult it can be to navigate that platform properly when there are thousands of people offering the same services as you do, and a thousand others even above your experience level.
Just that when you come across the right opportunity, you'll know it's for you.

Maybe something that gave me an advantage was the fact that I always started my cover letters with action phrases (Hey! Watch some similar videos I have worked on below, etc.), and then I indicate interest in making a free 30-seconds sample work for them to confirm my expertise (if it is a video) before I then proceed to introduce myself and do the normal cover letter stuffs.
It is applicable to any niche...But again, I can't tell for sure if this was what did the magic. Just my own theory.
Wish you good luck on Upwork bro!💪✔️

Sonnobax15:

One thing I know for sure is that out of 10 people on the street right now,like 8-9 are owing one loan app or the other........

So, there's no need to be ashamed of it...Na debt we owe,we no kill person . But so long we're still hustling, we're gonna pay Dem back someday

But then again,op,how can I learn that skill of yours for free?🤔. Talk to a brother here,man..

Exactly…Almost everyone is a victim of loan sharks in Naija at this point in time (just at different degrees).
And I wonder why they allow these people to put up ads everywhere with their ridiculous interest rates.
It seems if you encounter the wrong app, they even share your number with other loan apps or something. Because at some point, I was getting constant messages on my WhatsApp from different apps with different offers all asking me to download their app and take loans.
I used to always ask them how they got my number but none could really give a straight-forward explanation.
There is no insult you won't receive for missing payment deadlines by even just a single day…😂
I've attached one of the messages I received from one of these random apps below. I took a screenshot of it immediately they sent it to me because I found it too sad and funny at the same time. That should be the only one of the weird messages I still have...😂😆

Wealthyonos:
What about your girlfriend, you guys still together?

Nah bro. That's a closed chapter.✖️ The last couple of messages I sent to her were left on read. Just ticked blue like that on WhatsApp with two unanswered calls. Seems she even filtered me out of her WhatsApp status updates. Maybe she found a guy she believes is more stable financially or something. Can't tell. All I know is, that's a closed chapter.
How can a girl who is almost 24 be so easily influenced by her friends up to the point that she hardly makes decisions on her own!!
Don't know if she came up with this dumb idea herself this time or her friends pushed her into it as usual.
There was just this feeling I always had that her friends used to ridicule me behind my back (their body language told me this). And it must have been from what she was feeding them because they didn't know that much about me.
One thing is, I'm a low-key guy, so it would still take some time for them to even see some real signs.
I'm just now more focused on trying to create other income streams to solidify myself first.
Not like I was asking anything from her or not like it was written on my forehead that I was a debtor. Just be there for me at least.
It was just a case of me losing my 9-5 and having to battle through the sudden breakage of income flow at such a wrong time while also in huge debts.

eyenogoquiet:
I go like ask you some ones and twos with some do's and don't. Can I please get your whatsapp

Can't share my details though.
But you can send me a direct PM.✔️

ruggedtimi:
Skill is the ultimate...Enjoy your $$ with the new exchange rate

No be lie...Skill is the ultimate.✔️💯

9jagovernor:
I am really happy for you bro.... we'll all get there someday

True...✔️
Thanks my guy.✌️

Okay…I will try to keep this as short as possible.😂
So some emergency expenses came up at some point in early 2023 that I had to take out a loan of about N110K to pay back over N180K (from three loan apps I normally use). I was still on a N100K salary then, but here's where it got really funny: I lost my job just a week after!
I thought I still had everything under control until it was due date and I still had no tangible source of income apart from the little 3k, 5k, etc., I was getting from some content writing opportunities I got from the Jobs section here.
In order to meet up the high interest, I decided to take loans from more apps and try to at least pay up a little to reduce the calls. This was where I got it wrong. I ended up using up to five different loan apps to generate about 48K (to pay back almost double in interest) all this just to try and clear the original loan oh.😢
It got to a point where all the loans were due (with interests counting) and the only thing left at that point was for my phone to explode with insults and calls. Had to get a new SIM and also take some physical loans to try and balance things.
Few months down the line, I was in debt of almost N400K (was about N389k).
It got so serious that some friends and relatives even reached out and were like what's up with you and all these loan people na…Na wah oh?🧐🤨 Shame wan finish me. Me when no dey like make them table my matter.😬😓
Though my family was concerned, everyone still maintained OYO things when it came to providing a real way forward.
Even my girl suddenly started calling me by my name. No more babe (first sign that a breakup was underway 😆). Story short; she ghosted me a few weeks down the line and told me she needed space even after telling her to stay calm and that things will fall back in place. She was like; it's not you or anything. I said I need space for myself.🤡
Let me just cut the story of the trauma and depression I went through during this whole loan period.
Fast-forward to December 2023, I decided to give Upwork a try so I could sell my skills (Video Editing & 2D Art/Animation). Already had an account but thought it was almost impossible to really earn anything as a Nigerian.
Still encountered so many hurdles on the platform but somehow randomly landed my first gig which was a ridiculously low-priced gig with less than 5 proposals on the job market. Probably why they gave me a chance.
I couldn't even complete the full package. Delivered half of the job and got half the already-small pay ($10). But here's the thing, I luckily got a 5-star review from him, and things started moving forward slowly.
About two more gigs later, the fourth client I met on Upwork led me to Discord (this was around mid-march this year), and there on his private server, I came across a certain guy who was interested in hiring me outside Upwork. Seemed like a joke but I later found out he was a very big Italian YouTuber in the Animation/Paint Art niche (names withheld for privacy reasons).
Man just randomly made me a part of his team. I started working remotely and earning heavy sums I used to only hear about (thanks to the exchange rate of the Tinubu era…😂)
After receiving my first paycheck, I cleared each and every loan I ever took, got myself a new setup for easier work, saved some and then of course, used some to regain myself from the struggles of the past year. E no easy! Man I slept like a baby on the first night.
Been working for four months now, and I now look back and laugh at some funny experiences I couldn't even explain here.
So guys. That is how God saved me from loan sharks.
I don't normally create posts here, I just come once in a while to read and laugh. But I decided to share this testimony with y'all.
Peace and I'm out…✌️❣️

N/B: Please avoid loan sharks at all costs. In fact anything loan eh, be careful.

Share your stories if you have any experience with these loan sharks.

ABCthingx:
I drew them. they aren't ai generated.

Nice job man!
AI is truly a nightmare for artists.😂
After putting in so much time and effort, you will always come across a set of AI fanatics who are always ready to throw creative works in the bin because they can generate some weird looking stuffs using some AI apps on their phones.
Nothing beats authentic creativity and human touch.
And yes. AI is a useful tool for those who know how to use it.
I believe these people up here 👆 are just trolling though.

Dilijingsly:
I work in church media group and i want us to be transmitting locally using OBS studio or vMix to screencast my phone. please help

Don't know the process for vMix though. But It's actually easy on OBS Studio.
Visit: vdo.ninja/
Then select the option that says: Add Your Camera To OBS
You can setup your mobile camera and audio source from there, and then copy the link that will show up and add it as a Browser Source in your OBS Studio. Once you paste the link, it will just pop up and you can use your phone as a webcam, and then do whatever you want within the software.