RAUFU Kareem took a loan from AddMoney, an app owned by Rock Financials Limited listed on the Google Play Store.
While his loan application was being reviewed, Kareem changed his mind. He e-mailed the loan firm to stop the application, and the company promised to address the issue.
The next day, Kareem was credited by the loan firm, leaving him confused since he had requested a cancellation of the loan offer.
Kareem was desperate to pay back the loan, so he visited the firm’s office address on its website to rectify the issue. But his finding was shocking.
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Rock Financials Limited says on its website that its address is located on the second-floor building of No 13 King George V Road, Victoria Island in Lagos State. When he got to the building, other occupants and the property caretaker confirmed to him that Rock Financials had never rented a space in the building.
The ICIR found out the firm operates two other lending apps, AimLoan and AnyLoan, on the Google Play Store, with the same non-existing address.
Checks by The ICIR show that Rock Financials is legally registered with the Corporate Affairs Commission (CAC) but is unauthorised to lend money to borrowers in the country.
And the firm lists another address, No 3 Ijaiye Road, Ogba, Lagos, on its CAC registration details.
The Central Bank of Nigeria (CBN) did not approve the firm as a licensed financial company or microfinance bank to undertake financial operations based on its list of approved finance firms.
Nigerian laws guiding money lending include the Banks and Other Financial Institutions Act ( BOFIA) and state lending laws.
States have different laws regulating money lending services but require that money lenders be licensed before operating in their domains.
As soon as Kareem informed his debt officer that his firm’s office location was fake, the company stopped taking his calls and threatened him to pay his loan or face the consequences.
“They have been calling my contacts to force me to pay up interests on a loan I didn’t ask, saying the interest rate would get to N1,000 per day if I don’t comply,” he told The ICIR.
The ICIR reached out to the management of Rock Financials Limited to know why the firm advertises a non-existent office on its website.
The firm failed to respond to e-mails, calls and WhatsApp messages sent to their phone lines.
However, these loan offers have taken far more from their victims than they give. Some operate online as digital nomads without offices, like Rock Financials, breaching Nigeria’s financial regulations.
Outrageous interests, deception tricks
While Nigerians have been quick to embrace digital loan apps, their interests are at sky-high rates.
Loan apps listed on the Google Play Store offering short-term loans are mandated by Google policy rules to give borrowers no fewer than 60 days from the date of issue to repay any loan.
The three loan apps owned by Rock Financials claim to give users at least 60 days to repay their loans. In reality, the app users are offered one week to pay back their loans against Google policy rules.
According to its advert on the Play Store, Rock Financials Limited charges a maximum interest rate of 18 per cent.
Yet the company’s claim is outrightly false. The ICIR found that they charge between 40 to 100 per cent as interest. Late borrowers are
This deception misleads customers who download its loan apps from the Play Store.
On the Google Play Store, a victim, who identified himself as Olatokunbo Folayan, commented on AngelLoan. He took a loan of N26,500 and was asked to pay N37,500 in seven days.
“I won’t advise anyone to (take their loans), Play Store should check all the people they allow on their platform, govt should ban such app,” he said.
The interest rate Folayan was charged on his loan was 42 per cent. If he were charged the 0.05 per cent daily interest rate as advertised on the Play Store, then Folayan would have paid a total of N26,592 instead of the N37,500.
Another user Mohammed Idayat borrowed N30,000 from AngelLoan and paid N44,000, which included interest a week later. He was charged an interest of 47 per cent.
“If a customer is unable to pay early (AngelLoan), they abuse and rain curses as if they are God. Will not advise anyone to go for this loan app if you don’t want to be ruined,” he said.
Some loan apps offer users false information on their interest rates and loan repayment plan, thereby breaching the Google Play Store policy.
Investigations by The ICIR reveal that LCredit, 9credit, LionCash, Nkash, ForNaira, CycleCash, Cashrain, Mikoloan, Supercash, Xcredit, ICoin, PalmCredit and CashLion are loan firms involved in the deception scheme.
The interest rate for an average commercial bank loan in Nigeria is 24 per cent each year. However, loan apps interest rates are between 75 per cent and 395 per cent per year.
A study by Hinderberg says OPay, a loan app in Nigeria, falsely claims to give a maximum interest rate of 24 per cent on every loan but charge borrowers 438 per cent as interest. Late borrowers pay as high as 876 per cent.
Despite, their non-compliance with Nigerian financial laws and Google Play’s Developer Policy, by lying to customers about their repayment tenure and interest rates, they still operate on the Google app.
In January, Google took down over 30 lending apps in India from its Play Store for failing to prove their compliance with relevant local financial laws.
The ICIR reached out to Google’s Global Communications & Public Affairs Officer Elijah Lawal on his social media handles to explain why Google was yet to clamp down on loan apps in Nigeria, breaching Google Play’s Developer Policies.
At the time of filing this report, he was yet to respond.
Debt shaming enterprise
Loan apps in Nigeria are mostly unregulated, as debt collectors exploit unconventional techniques to shame defaulting borrowers to retrieve their loans.
Tobilola, who did not reveal his surname for fear of reprisal, is a debt collection agent of LCredit and one of the few people with first-hand knowledge of their operations.
He is a nightmare to loan defaulters. His job is to call friends and family of loan defaulters, employing unorthodox means to ensure they pay back their loans.
There is no official number of how many loan firms exist in Nigeria; however, debt collection is a critical part of their operations.
Speaking to The ICIR, a debt collector at LCredit owned by a Chinese firm, Cashigo International, revealed that it split its debt collectors into five teams.
The teams are headed by a team leader who assigns customers to the debt collectors based on the duration of time they have defaulted on their loans.
“We are divided into five groups. Most debt collectors prefer the first to the third team because their focus is on short-term overdue loans, which are easier to retrieve than long-term loans.
“We are assigned 400 customers per week to each debt collector at the call centre, and they don’t care whatever you do to recover overdue loans from customers,” he said.
The agents get a weekly bonus of three per cent of the total amount they recover if they meet their weekly target.
The monthly salary of a debt collection agent at LCredit is N50,000, while the top three performing agents for the week receive between N10,000 to N15,000 as an incentive.
Femi told The ICIR that clients who defaulted on their loans often asked for more time to escape the constant harassment, but they would continue anyway with the debt collector’s eyes on the bonus.
“The team leaders always threaten to sack us if we don’t meet the target, and when they verbally abuse us, we tend to transfer the aggression on the customers using any means possible to recover the company’s money,” he said.
Snail-speed intervention
In November 2021, the Federal Government set up a joint committee of regulatory agencies to tackle violations of consumer rights and unfair practices in the money lending industry.
The agencies to lead the investigation included the Federal Competition and Consumer Protection Commission (FCCPC), Economic and Financial Crimes Commission (EFCC), Central Bank of Nigeria (CBN) and National Human Rights Commission (NHRC).
Others involved in the investigation are Independent Corrupt Practices Commission (ICPC) and the National Information Technology Development Agency (NITDA).
Four months later, the operations of these illegal loan sharks have continued unabated without any sanctions from the regulatory agencies in the country.
The spokesperson of the FCCPC, Ondaje Idagwu, told The ICIR that the joint committee would clamp down on the loan sharks after sorting complaints sent by the public.
“The joint committee met and agreed on how to proceed, but what I can say is that there is going to be enforcement work very shortly to shut down these loan companies, especially the illegal ones.
“What we are doing currently is gathering evidence and compiling our e-mails on the complaints of people affected by the actions of these companies and this process takes time,” he said.
The e-mail address to contact the task force on complaints against loan apps is [email protected].
A major decision taken against loan apps in Nigeria took place in August 2021, when NITDA fined Soko Lending Company the sum of N10 million for sending threatening messages to borrowers, a practice regarded as a privacy invasion.
With regulatory agencies yet to act, online advocacy groups have sprung up to help victims of loan firms devise responses to harassing calls.
Over 1,500 victims joined a private Facebook group, Mobile Loan Apps Debts Victims in Nigeria, to support each other and bully debt collectors that harass them with calls and messages.
Another group called Say No to Sokoloan, LCredit ETC on Facebook boasts of over 1,700 members set up to provide psychological support for victims of loan app harassment.
The Central Bank of Nigeria (CBN) Consumer Protection Regulation does not permit a financial institution to contact friends, employers or relatives of a loan defaulter except consent is granted.
Most loan apps flagrantly disregard the consumer protection regulation and regulatory agencies turn a blind eye. However, it is left for violated users to take steps to seek redress.
Amos Abba is a journalist with the International Center for Investigative Reporting, ICIR, who believes that courageous investigative reporting is the key to social justice and accountability in the society.
I got a deduction of 350# from my airtime just out of the blue, this loan app did that, and I am wondering how they are able to deduct from my airtime.
Omo na them sabi, everyone know say the country hard, but for these loaners they’re evil. God forbid. Like this eh, I no dey pay shishii 😒😏. Rubbish people😂😋.if you are still worried about them or what they will do to you if you’re owing them, sorry oooo 😂🤣na u sabi, that’s to your own detriment. Do not mind whatever messages or threats they send to you on daily basis. Most of those loaners are fast killers, crooks, life hunters and real time scammers. Like this eh……. Am owing about…. of them😌, but I no dey pay shishii 😒 it’s over a year and some months now since overdue and none of them were able to call or send messages to my contacts and post my pictures anywhere. They are even tired of calling me😌😏.If you wish to know how to deny them access and how to clear your contacts and data from their server send me a DM on WhatsApp @09151977310. But if you’re one of their agents and you disguise into my DM, let me not swear for you and your smartphone shaa 😏..
This camelloan are fraud, they tag me internet fraustar and circulte my pictures for a loan i didnt apply for. I was contacted by camelloan for a business loan of 150k. and a link was sent to me to download an app and apply, only to get an alert of 6k, this i returned via bank transfer instantly and sent evidence of payment to the contact person. Only for them to getback to me after 1 week to repay the loan saying they didnt recieve any transfer. and they started sending messgaes to my contact saying am a fraud. I need their office address pls, they have refuse to send me there office address
IBAPPLY FOR A LOAN BUT DID NOT CONSENT BECAUSE OF THE ADMINISTRATIVE CHARGE WHICH IS ABOUT 48% OF THE LOAN (N7,000) BUT WITHIN 3 MUNUTES MY ACCOUNT HAD BN CREDITTED.
I TRY TO CALL BUT THEY DID NOT PICK. THE 5TH DAY, THEY CALL TO REMIND THAT I HAVE TO PAY DAY AFTER2MORROW. AS I TOLD THE CALLER THAT I DID NOT CONSENT, HE SAID ONCE IT HAD BN DEPOSITED INTO MY ACCOUNT I HAVE TO PAY. AS I TOLD HIM THAT I DID NOT WITHDRAW THEIR MONEY, THEY SHOULD COLLECT OR GIVE ME ACCOUNT NO TO RETURN THE MONEY TO, HE DROPPED THE PHONE. FOLLOWING MORNING, A CALLER REMINDED ME OF 2MORROW PAYMENT AND I TOLD HIM THAT I AM NOT TAKEN THEIR LOAN, HE ALSO DROPPED THE PHONE. ON THE 7TH DAY, I RECEIVED A CALL REMINDING ME TO PAY, AS I INSISTED THAT I DID NOT TAKE A LOAN, HE INSTRUCTED ME TO RETURN THEIR MONEY AND IMMEDIATELY SENT BANK ACCOUNT NO TO BE USED IN PAYMENT TO ME.
I PAID (I.E. RETURNED) THEIR MONEY. TO MY SURPRISE, I HAVE BEEN RECEIVING CALLS AND I HAVE BN RESPONDING TO THEIR CALLS WITH MY EXPLANATION. BUT YESTERDAY, I RECEIVE A TEXT THAT MY BVN HAS BN FORWARDED TO NIBSS TO BLOCK MY BVN.
NIBSS HAD BLOCKED MY BVN WITHOUT ANY ENQUIRY FROM ME.
PLEASE, IS NIBSS HAS THE RIGHT TO BLOCK MY BVN.
WHAT DO YOU ADVYSE ME TO DO?
These apps are evil
Stay away from them please
It has caused me my entire life
It has caused my Family a lot of pain
I pray the Government Ban them one day
I have contemplated suicide severally
I even started harming myself physically
I would use wire to flog myself, bite myself out of frustration
It has led me into depression but I have prayed and been praying to God to bring me out of this.
PLEASE STAY AWAY FROM THESE DEVILS!!!
Please i need help
Please someone reply this comment
Am depressed already
I don’t know what to do
I am one of the victims of this loan App initial I collected loan form App with the hope it will end there, because my business was down after the COVID-19 and i need to pay my house rent , I tried my bank maybe i can get a loan but unfortunately they said they can’t at that time , then i have a supply but no money to do the business and i need to eat also to pay my landlord.
The loan app that has promised to borrow without collateral all your contacts is your collateral i don’t know and they wrote on a play store *Repayment 91days to 356days which they don’t stand on their own words.*
I started getting loans and repaid with other loan Apps, I was trying to settle it but it wasn’t work from debt to debt True naira, caycredt, ox credit with high interest like 13k-16kmany of them they all give 7 days without any option then New Credit, xcrosscredit and some also give 2weeks even they will re loan you Without your knowledge. They will start giving you option of 15-28 days with high interest.
Have been trying all this and off my debt all my little little money people are giving me by begging them and the pockets money from my children I used everything to paid my debt.
There was App Nice Naira and i think it has happened with another one which i can’t remember the name they reduction from my bank account imaging very day my loan was due.
Am like I hope all this bank they are using may be work hand in hand with them with the high rate.
Now I don’t have money to pay just one day they started abusing, causing even threatening to put my name pictures on social media and they will call all my contacts. I even wrote Newcredit to please stop the increments of the interest so i can be able pay installment, Newcredit said no there is even option to extend any loan.
Am tired and i don’t have any money i know they help me when i was in need but is unfair to advertise on social media that the tenure is 91days and 356days where is our Government please.
More so Play store need to stop all this shark loan app. On Play store all what they wrote about their App was lies.
Who’s going to help me out I have nobody except God. Help me i don’t want to die with depression.
I am one of the victims of this loan App initial I collected loan form App with the hope it will end there, because my business was down after the COVID-19 and i need to pay my house rent , I tried my bank maybe i can get a loan but unfortunately they said they can’t at that time , then i have a supply but no money to do the business and i need to eat also to pay my landlord.
The loan app that has promised to borrow without collateral all your contacts is your collateral i don’t know and they wrote on a play store *Repayment 91days to 356days which they don’t stand on their own words.*
I started getting loans and repaid with other loan Apps, I was trying to settle it but it wasn’t work from debt to debt True naira, caycredt, ox credit with high interest like 13k-16kmany of them they all give 7 days without any option then New Credit, xcrosscredit and some also give 2weeks even they will re loan you Without your knowledge. They will start giving you option of 15-28 days with high interest.
Have been trying all this and off my debt all my little little money people are giving me by begging them and the pockets money from my children I used everything to paid my debt.
There was App Nice Naira and i think it has happened with another one which i can’t remember the name they reduction from my bank account imaging very day my loan was due.
Am like I hope all this bank they are using may be work hand in hand with them with the high rate.
Now I don’t have money to pay just one day they started abusing, causing even threatening to put my name pictures on social media and they will call all my contacts. I even wrote Newcredit to please stop the increments of the interest so i can be able pay installment, Newcredit said no there is even option to extend any loan.
Am tired and i don’t have any money i know they help me when i was in need but is unfair to advertise on social media that the tenure is 91days and 356days where is our Government please.
More so Play store need to stop all this shark loan app. On Play store all what they wrote about their App was lies.
Who’s going to help me out now?
Whether they like it or not they have to chill untill I have money to settle them , I can’t kill myself… They are joking with their overdues , and once they tell any of my contacts about the debt anyway they have penalize me and shishi I wont pay again ..that’s the deal, hence the borrowed money never been paid still they are adding overdue…ah ah big Joke , I will pay back that’s for sure but nobody can threaten me to get their money back , if they like they should tell the the public I have HIV, OR COVID that’s their problem not mine… With their huge interest plus short term, which business they wanted me to do with 10k and pay back 17k in 7 days lol …thieves!!!
We plenty here. If u are owning stay calm . Pay when you have it.
But i hope this wouldn’t stop my visa application
Hmm! I have made up my mind not to get depressed cos of over due loans, the fear of them calling my contacts and harassing me made me take loans to pay back loans now I am stocked and can’t get out of it with my present financial situation, I owe 14 apps and accumulated over 600k now I can’t feed or take care of myself every dime that comes to me I try to pay back. Now I can’t even pay further and they have being calling my contacts. New credit in particular. But I have decided to stay strong and act like they don’t exist when I have I pay and if they keep contacting my contacts I won’t pay again.
I borrowed from over 10 apps just to pay other apps and now I’m being harassed and threatened they have sent messages to my contact and disgrace me calling me a wanted thief no matter how hard you plead with them they will still disgrace you so I’m not worried anymore I won’t go and kill myself because god knows if I have the money I will pay but for now I don’t have cause the country is hard as shit and they don’t have a single conscience so please those people who are scared or thinkof committing suicide please don’t they won’t come and find you or publish you on the news they won’t just go on with your daily lives when you have the money you pay those assholes back
It’s better to be a sincere debtor than to be a thief, I don’t need to lie I’m owning about 6 of them and the reason is I take from Mr a to pay Mr b and at the end of the day you’re using all your earnings to pay for interest so there’s no way you can pay back their cash.
Knowing this I stopped taking from Mr a to pay Mr b and asked them all to suspend the interest so I can be paying them small small until I’m done paying thinking their capital is important to them, I informed my contacts to always let me know whoever among them sends messages to them.
In a nutshell, once you send anything sms, calls or picture to any of my contacts forget your money, if you like post me on BBC or CNN I don’t care because those who knows me personally are all aware of this loan apps and won’t be bothered by whatever they send because me I’m not bothered by any threat ooo.
If you’re owning and not running forget their threats and don’t give yourself high BP , Nigeria as a nation is owning.
One of the lcredit sincere worker who call me said it’s a Chinese company, cashlion are bastard their the first to txt my contacts, their cash is gone for life I won’t pay back for sending messages to my contacts, mumu kashkash keeps increasing the interest at 1800 daily
Hello, reader.
Thank you for reaching out to The ICIR.
We extend our sympathy over the harassment you are currently going through.
You can send a mail to [email protected] detailing your encounter with the loan app.
They are in charge of receiving loan complaints and in a better position to resolve the issue.
Kind regards,
Esther Ilesanmi
Lcredit are the worst, they borrowed me 150000 paid me 95000 and expected me to pay 150000 in two weeks, they have been calling me since
I even paid them and they still post me
I’m really scared 😢
I just payed AiCredit their money by borrowing from iLoan Pro cause I don’t have any money 😪
And I’m still owing Super cash, Equalcash, wecash and I don’t know what to do…. The total money I’m owing them is about #33,000
I’m a student and I don’t know who to run to for help… I’ve really failed my mom, cause not too long ago when I was owing fistnell… they called my sisters and my mom was home that time, the lady that called was saying they’ll come find me and arrest me if I didn’t pay them and I was really looking for which of my friends to borrow money from but nobody could help me….and I had to borrow from another app to pay them😪💔
I need help….I don’t have any money
Hi guys I just want to encourage everybody, please nobody should kill his or herself nor get depressed. I know it’s very difficult to handle, but you need to stay calm and strong.
Look am currently owing up to 10 Apps say over N500,000 and am not moved. Am not saying I won’t pay, but since I don’t have the money now, I need to settle down and look for it.
I’ve got nice and worst experience with these people, so there is no point killing myself now. Nobody is coming to kill or publicly disgrace you or something. These are just threatening messages.
Even if they sent threatening to you or unpleasant testimonies to your contacts, you are not the first.
These Apps are operating under illegal grounds, standard online loan duration is nothing fewer than 60days, so 7days and 14days are not something you should be scared of.
On current state, I’ve blocked all there lines, just download true caller and set your spam calls, plus numbers starting with 027, 021, 0188, 0189, etc and you will have peace of mind.
Another thing go to the App permission settings and disable all, with this they can’t have access to your contact list or coll log nor anything.
In terms of your BVN and other information, many of this App can’t activate the usage since they are operating illegally. They need back authorization to do anything of such and they don’t have the requirements. Haven said that, am not saying you not pay back and gain your freedom back. All am saying is;
1. Don’t kill yourself
2. Don’t get depressed
3. Concentrate with your life
4. Do the need
I hope with this, I have save a soul or help somebody here. Cheers.
Tikcredit
Carefinance
NairaStar
Snappycredit
Aimloan
Speedloan
Etc
Should be barn expecially Tikcredit imagine an agent telling me he will disgrace me publicly like he did to others by posting their pictures saying they are HIV positive,isn’t that an act of wickedness
I collected loan from firstnell loan app, at first the loan pend so I deleted the app thinking that they will not give me the money, about 2hours later they gave me #6500 for 7 days and the interest was to much now the total amount of money is 10000 yesterday was the due date I didn’t pay the money yesterday so they added another interest today making the money 10200, they started sending me annoying messages that if I don’t pay up the money, that they will send my picture on social media telling everyone that am a criminal and a frudster, so today I decided to pay back the 6500 that they gave to me the money showed success, so we call to tell them that we have sent the 6500 they said that it wasn’t done like that, that I have to pay the complete money. Please you guys should help me resolve this issue it’s not fair at all am still a student so they shouldn’t do things like that
I collected loan from firstnell loan, at first the loan pend and I didn’t know that they where going to give me the money, so I deleted the app after a while they gave me #6500 for 7 days and the interest was about #4000 making the money 10000, my loan payment is due and they increased the money to #10200 today they messaged me that they where going to put my name and picture in social media saying that am a criminal and a frudster, I was able to pay #6500 today but they refused to collect it please help me to resolve this issues please
Quick credit, mintbag, ggmoney and bear wallet are all threatening me even after I paid it’s still overdue and the keep on adding and adding more over due charge to it
Even though, if I am to be following the law, I should not pay them because they are unlicensed. The mistake I did is to use my bank card to repay now I have to block my atm card
The government should please do something about it
Lcredit are the worst, they borrowed me 150000 paid me 95000 and expected me to pay 150000 in two weeks, they have been calling me since
Currently in this situation suffering from anxiety can’t sleep at all because of plan credit loan. It’s 16 days over due told them to hold on because I even got robbed and everything was stolen from me they should please give me time but no they kept sending me threatening messages so tired right now I don’t know what to do again
I want to report this loan app fundy, hifund, snappycredit, loannaira, cashcredit after payment and I uninstall their app my pictures went all around with different abuse, threat, defame me saying am wanted with their high interest rate i paid o just for 7days this all online loan must go pls. Ajeloan said money has been disbursed not knowing they were lieing they are the real thief pls government help us bann this loan shark they are slow poison.
Lcredit is the worst after telling me to pay the initial principle that my overdue will be cleared which I did now they said I still owe then and went to tamper with my dashboard from the system please I need the right side to submit proof and evidence because they even threatened me with the same efcc that is supposed to look for them and stop them
Please Governments, help stop all this loan app in Nigeria. Most people has committed suicide due to this kind of harrasment caused by the Illegal loan app in Nigeria, most has lost there job and their families because of this.
My life also almost ruined and I almost commit suicide because of this people, but I thanks God for my life.
Let’s Unite and stop this people for good cos United we Stand Devided we Fall Thanks.
Simply bcuz I borrowed money from Loanmeit expired yesterday they keep sending my pictures to people that I have HIV am an unwanted criminal imagine bcuz of 15k government plsss help us do something Abt it since yesterday they didn’t allow me to rest even bcuz of this they have to call my fiancee telling him I have HIV imagine rubbish government plss help us out this people are really killing us trying to run people’s reputable in the name of money and still calling me to come and pay
I work in an online loan company cash bus, they are the owner of Hicash 9cash Ecash. They treat their staff so bad last month I was debited 20k this month because of the distance from where I leave to my place of work is to far I have. Been absent for days now 9 days now which the company said I am -9 days from my salary, that is my absent for one day is a debit of 2days pls because of that have been going yo work I need help . this people treat there customer and staff sobad like we are slave i need help
Fellow Nigerians, I feel your pains…. Let us continue to pray for the country and its cituzens. Meanwhile there is a way to block the app from accessing your contacts.
1. Go to your phone setting.
2. Go to app permission or managements depending on your phone.
3. Click on the loan app and scroll down to permissions.
4. Click on it and deny all permissions.
NOTE: I AM NOT TELLING YOU THIS SO YOU WILL NOT PAY THEIR MONEY AGAIN, ITS JUST FOR THE MEAN TIME. WHEN YOU HAVE THE MINEY BE SURE TO REPAY YOUR LOAN BECAUSE IT WOULD BE A SIN AND WILL BE REQUESTED OF YOU BY GOD IF YOU DON’T….. REPAY YOUR LOAN, GOD WILL ALWAYS PROVIDE AND MAKE A WAY…. GOD BLESS YOU ALL, CONTINUE TO LOVE EACH OTHER AND ABOVE ALL LOVE GOD
Omo na them sabi, everyone know say country hard, but for these loaners they’re demons. God forbid bad thing. Like this eh, I no dey pay shishii 😒😏.them think say them dey wise. Rubbish people😂😋.if you are still worried about them or what they will do to you if you’re owing them, sorry oooo 😂🤣na u sabi, that’s to your own detriment. Do not mind whatever messages or threats they send to you on daily basis. Most of those loaners are fast killers, crooks, life hunters and real time scammers. Like this eh……. Am owing about 8 of them, but I no dey pay shishii 😒 it’s over 6 months now since overdue and none of them have been able to call or send messages to my contacts and post my pictures anywhere. They are even tired of calling me😌😏.
Dis loan apps.should be banned pls.imagine borrowing from cashlion and nairaplus after paying the principal loan dey stil go ahead increasing it n calling my contacts.infact it’s been hell.govt should pls banned all dese loan apps for pipu not to be commiting suicide cus d rate a which pipu are depressed cus of all dis loan app is nt encouraging atall.dey embarrassed customer n d next day u can’t show urself outside n stil wnts u to pay dem.pls govt save d pipu.cashlion, nairaplus,angel loan,cashmall,xcash, fastcredit,cycle cash, belloan, cocoloan, sokoloan,gocash, fast money, snappy credit,Mazda loan so many of them
Am Emmanuel,today 10th of October 2022 by 8AM I received the sum of 20k from RapidNaira loan app with out me applying for it.i download their app last month and I uninstall them same last month because of their loan condition but today disburs money to my account with out me applying for it.i don’t need the money let them come and take their money back.i have called and chat with them please I need help let them take the money back
@ Tobi y would you have to commit suicide.. you don’t need to, all u need is to banned d current sim and get another new one.. I knew as time goes on people will start collecting there money without paying back by that time the loan app with huge interest and short period of time will shut down automatically, bcos isn’t helping the nation instead hardened situation of things… ENDSARS is coming for u pple.. All online loan app with short with huge interest and short period should showcase their location if they get mind????
Mybyounger sister committed suicide last week and we are finding out she is owing two loan apps, I don’t know the cause of the suicide, but I feel this debt is a huge part of this. But palm credit is still sending her threatening messages after I explained to them. And she has never owed before based on what we are seeing. What do we do? I even dropped my contact details with one of their agents
I’m currently dying and have lose every zeal to living, I’m just like a dead man walking. I don’t know what to do, I ve made a greveious mistake in my life. I’m owning a lot of loan apps right now, I’m so ashamed of myself, why did I get myself involved in this deep shit…….. I think ending my life is the only way forward for me at the moment. I pity my poor parents, I’ve failed you, I’m truly sorry. And to the loan apps I owed I’m sorry I don’t mean to die with your money,
Pls am victim of this contact qcash and Hcash both app just threatening so much Qcash even want ahead and post my post just a day due
am a victim of this loan app the have send my picture to my contacts and declare me wanted, and have try to explain to them i will pay when i hav the money, but they still threaten me everyday
I am victim also of this loan of a thing, we are know how this country is now and someone will borrow a loan from them which you want to burst your business, first they will deduct the loan you want to borrow which make it to not up to amount you want to use to do the business and the most annoying this they are so rude to when talking to you and even you try to pay there loan small, small they will still post your picture with all your information even bank will never do ..
this particular loan is called FUNDY LOAN
All the loan app should be ban
All these online loan should be ban
The way they are damaging people’s image is on called for, expecially those loan app that call people that they are doing awareness and you can’t find their name on play store.
Also some online loans on playstore also
Such as: zuma cash, Deloan, oxloan, Get loan, ohcash, Fundy, True Naira, etc……
Please we need response to know if our complain is been seen and worked on
Thank you very much .
I am a current victim & I have put myself in a good position legally but I need legal advice. What is the essence of posting here without help actually coming by?
I am currently falling a victim to this, different numbers calling me and sending my pics and messages to all my contacts, 9money, Loanme and mintbag.
i thank God am out off all loan apps, i thank God i came down from cash bus, they should drive there bus alone ooo. God i thank u for all you did for me.
Who has had encounter with money in minutes loan?
I also a victim right now am a student from one special college of education now I borrow loan from 5-6 different loan app when the money due my line that I use to register for all the loan app damage now all this cycle cash, here4u they have now threaten my life by calling my other sending fraud message to all my contact on WhatsApp by linking out all my information, pictures and others even they even did it to all my customer contact that they usually called me for work please Nigeria government should help us for all this new loan app that default there reputation or by destroy there customer reputation even am in coma
This loan app should be shut down immediately, which kind of loan is that, paying outrageous amount as interest in every seven days,this people have drained and killed me at thesame time, they ruined my business, I beg them many times to increase the duration to pay the loan, how can someone pay interest of 24000 for collecting 52000, in a week, if they like let they call all my contacts, I don’t have time for them, they have ruined me
Their interest rate is just too outrageous.
I took a loan from Ajeloan to repay 23000 and i was given 16000 for 21 days. I was defamed because I deflaut just for 2days and I told them the reason for the delay is because my phone was faulty and its hangs and there is no where I can pay except my phone. They called my husband and he has sent me out of the house right now and I don’t have father except my mother and siblings. He took my children from me and now I am on my own now… I have been crying and I need justice for that………
Oxloan and TrueNaira are heartless i defaulted Barely two days due to financial challenges but yet i was to meet up within the week but they sent over 30 messages with threats. Their interest is too high !!!
Lot of loan app with false information i fall into the trap of oxloan and truenaira now i’m unable to payback with there over due interest of 1k everyday which kind thjngs be this A week loan and i keep paying back quick thinking they will enlarge the days lower the interest not until the money get higher and i couldn’t afford to pay again now they are threatening my life please i need help!!!
Like I said my is methuselah aM not afraid
Because I know exactly what the LAW is singing and iWiil make sure this matter gets Government attention… I have reported to state CID and also Ikeja command I won’t tell you the level we have gone so far but …
We are making progress… We will get them…
Infact I am a critical victim of all .. Gocash of sokoleanding has posted my picture on Facebook and all other social media tagging me WANTED criminal, with my picture on it .. infact I was not even owing them but they claimed they didn’t see my payment asking me why I made payment to zenith bank.. instead of WEMA Bank..as I write to you now my picture is still going viral all over social media…. I have since reported the matter to state CID panti.. even the Gocash workers are not afraid of anything… Because write whatever they want against me without been afraid of what the LAW is saying…
I’m currently in this same situation. I’ve been taking and paying back the loan because i take from A to pay B etc.. So i stopped taking taking from.A to pay B they’ve been threatening me fire and brimstone that I’m a thief and fraudster after o told them to stop the daily interest so i can pay back once I’ve the money they refuse ooh. Threatening to call my contacts, send them messages on all social media platform even said they will crack my BVN and block me from all other transactions. Government should help us and do something about this shark loan apps.
08142773798 this are some of the app lecredit superloan wecash supercash osunload cash express and someother loan app please help me before they post my picture online
Please I am a victim of lecredit and someother loan app please help me cause I registered online to ask for a loan then I was regretted the following week when I don’t need the loan they gave me the loan now they are calling me to pay the money with embarrassment please help me please this is my number to show the proof
They keep on calling and threatening to take me to court even that am paying small,small they keep threatening me,am even let them come and waiting all this nonsense has to stop,after all I made a payment without request for another yet they credit me
I borrowed 85k from the stupid app called L credit. They added interest to make it 121k. Situations didn’t allow me to pay on time and now they have increased it to 202k. Anyway I have paid 92k out of the principal and asked them to be patient so I can pay the remaining but they keep calling my contacts. These people are wretched thieves.After begging the idiots to stop calling my contacts, they went ahead and called my mum now she has filed a petition to the commissioner of police suing them for defamation of character. Thry feel like because people are poor they don’t have money to go to court well my mum is the kind of person that even if we have financial issue at the moment she will source for money to protect her children. Anyway let’s see how it goes.
You all requested for a loan when needed, when nobody could lend it to you and you were in all in a pressing issue and the loan app came through and give it to you. Are you not supposed to pay back respectfully why are you all being self centred and telling the government to do something about it. If you do the needful why should they bothered you with call’s or even threaten you. I don’t understand we Nigerians so you expect them to run lost if it where you will you be happy someone you lent money doesn’t want to pay back. World people smh
Please let’s join hands and put an end to all this loan apps. They drain people mentally, physically and emotionally.
Same thing applicable to me o they have be threatening me call all the contact on my phone
Three companies that I want to scatter is Zuma Cash, Deloan and Cashbus.. its a seven day loan and once its 12 noon on ur due date and you don’t pay up. The next call you get is from ur contacts.. the following day they will now start persuading u or begging u to pay. We seriously need to put an end to them.. they have scattered my own vamily like dis
Wecash said I should pay 5999 thousand to receive 100k and when I transfered the money I didn’t see anything I email them no reply, please you have to banned them they are going to give somebody heart attack.
Didi cash send messages to my contact including my picture,because I was robbed and don’t have phone for 5days over due …they messages my contact for 3days …government should please do something to this loan app…they are
Am also a victim of this loan app Lcredit
I borrowed 39k
Due to thier service fees and interest rate it sumed up to 45k
I realized that the more I pay the more they keep increasing the amount of debt
I realized I paid upto 75k at the end of 3months..
Now I took my time to calculate everything in the app the once I paid and the one haven’t paid it sumed up to 102,907k
Now I couldn’t complete the payment because of thier threat I fell sick.
Now they have started calling all the numbers in my sim telling them am a thief.
Please the nigerian government should look into this… please 🥺
Gents on this portal; compliances about abusive individuals and loan apps company has taken advantages of empoverishing Nigerians in several ways. Because I was one of the victim of abnormal interest rate, by so called loan app. LCredit app gave me make 67k disbursement at 83k payback in two weeks time, I was unable to make any payment until the two weeks lapse, then two days later I deposited 10k, I later payed up after 11days after due days making 25days of borrowing 67k, I paid back 103k both loan plus interest, even when they knew I was working that at the end of the month my salary will be paid, this happened yesterday, I paid them last night. Analysis of how they calculated the charges. Amount displayed was 83k that, I was liable to pay back, meaning that my penalty was 23k. Of which it was 67k I was disbursed. Obviously actual cash that came to my account was 67k. Penalty and interest too 37k within space of less than a month that is too high, in a country like ours that was on red alert poverty everywhere. CBN should up there responsibility to curb this criminals in disguises God bless Nigeria Amen.
Na Mumu dey fear
Don’t mind whatever messages they are sending, like this eh… Am owing about 8 Loan apps and I have received a lot of messages, calls threats and so on. But I just discovered how to deny them access to my contacts. If you want to know how send me a dm on WhatsApp@09151977310
Am currently battling same threat from all this loan app mentioned above, I don’t know what to do with them the threat is so much that affect me mentally please I can really bear there harrasment something should be done please.
Government please arise and fight for us
I don’t think the life of citizens in this country is important…please we are dying silently. Government arise and fight for the people
I applied for a loan on anyloan app (34k ,7days, 49k to be paid back), I ignored due to the outrageous interest rate. The following day I got alert of 34k, 6days later they began to send messages to my contacts as the money has been raised to 90k in few days of default using my family name,my pictures, my bvn and other sensitive information they vowed to protect. Calling me and my family thief,aids patients that we are wanted by the police, that we are hungry looking fraudsters who have failed in life from the information they gathered
This left me empty, frustrated, intimidated, depressed, I can’t walk in the street at day time …right now, suicide is not too far from me as I thought is the best option
Please if the life of citizens is important, please im begging you to rescue us before we die of depression 😢
Me I will not pay Dem shi shi, because there kill my twins sis,
Gud day sir / ma pls I really need ur help seriously an app called Addmoney,oxloan, truenaira and okash have been harsding and threatening me due to athe money they loan me and because of the poor economic in the country I could not pay back they are pulling threat telling me I will die pls government should do something if they r not there I won’t be in this mess and some other loan app have been sending me messages to lend money from the. Tanks and God bless u
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Gud day to u sir / ma pls I ned help on Angel loan harassment they loan me a loan and due to the poor econmics in d country now am unAble to pay BK by Angel loan has been pulling threat to my life and calling my frnds ND family, ND dey are threaten to post me pls I Ned help they shud stop dis harrasment so I can pay dere money in peace.if I die now how do dey want me to pay. Tnks ND God bless as u intercede.
Please the were threatening me on the loan statement said they will start telling people on my contact if I didn’t pay by 4pm today
Eyre
Once you borrow from this loan app go and block your ATM card with that they won’t be able to debit you automatically, and ignore their threats those who trust you will always trust you, no need to develop BP or commit suicide.
I borrow money from 3 apps knowing very well that I won’t pay ( na national cake).✌️✌️
Other app has refused to lent me that is the problem I’m facing, please I need more.
Fellow Nigerians please don’t be depressed, this is our country we own it.
All this loan app federal government should do something about them their treat is to much
Newcredit has been threatening me, I mistakenly made payment to their account. I called their customer line for refund severely but to no avail, sent several mails with prove.
I think this cashbus will kill people the interest rate is too much something have to be done
Hicash
And
9cash
I think this company have to be dealt with
I’m currently in this situation right now. I’m completely helpless. Please let all of these comments don’t go in vain . Stop all these loan apps from frustrating the lives of people.
I collected loan from osunloan 6 days ago. It is a seven in one loan app. When I applied for loan it was rejected but after some hours I got a credit alert of 10k from them. Today was the due date and I paid them at 12:05pm and 12:32pm respectively, then at 2:47pm to 2:48pm they deducted 500 from my account 6times making it 3000.
Please tell them to refund my money I need my 3000 back. Thank you
Cashbean is another fraud …while u are waiting to see the interest , they credit the money to ur account ….
Hicash and cashmap send messages to my contact lieing against me claiming i ran away with their company money calling me fruad just because my phone crasch for few days now access for me to talk to them or pay through the app because the phone was dowm its really sad for one to be called a criminal just because you get a quick loan from them govt should please help curb the ilegal practices by these loan apps its really bad
please government should close all the loan company in nigeria..they are doing more harm than good.. {Zuma cash} inside money hub app is a criminal company..they will tag you criminal design your picture inform of Television news capture. .head line Rapist ..they will write that you police is looking for you for going around raping small small children
one of their contact 07062060022 close them down
As it is I no go fear them again. Make Dem do wetin dey wan do. Person wey ein naked picture leak gan no die. And his family and contact too self see am.
Infact am truly really a victim. It started with borrowing from one app to boost my business. But some things happen which couldn’t make me pay up. When they threatened to defame and send messages to my contact. I borrowed from another app to pay the existing one. Same thing happened borrowed from another to pay another. Now am owing up on almost 15apps. And the keep sending threatening messages everyday. If messages is sent to my contact. I will just take it as price for my payment. Am just hoping I wake up one day and all this loan apps is gone
Na una fear dey make them feel powerful! See apart from Carbon, branch, quick check and fairmoney….the rest are stupid. Whenever they call and threaten me, I keep telling them to update my contact list that I just added new contacts. If my contacts don’t trust and believe me, make them too go lick soup! No time. Till now, no contact has called me to say any loan shark called them! Any day anyone calls, I don pay the loan spiritually be that noa! Rubbish
imoney was hut down and they came back as i/omoney, the results people have received, pasting private details on facebook, sending ill messages to families, absurd interest rate. God help us.
They’re very wicked and good in defamatory messages to contacts, they called me and my family hungry debtors and other derogatory names just to rubbish my image, I took money from them and has always paid back, I even had to sell my land to settle them, I was dying of depression, but now I know how to block their stupid messages and I will take alot of them and eat and never pay, they have already done the worst so now I’ll deal with them, they can’t reach me or my contacts cos I’ve blocked them on social media, they can go to hell , they’re all criminals and thieves stealing people’s money,killing them and calling them unprintable names, they should all be banned from operating outside the confines of the law.
I am one of the debtors and they have been threatening me that they will call all my family members…..Once they do that no payment for them again
I borrowed a loan of #11,000 from Lcredit December 12 and to be paid back on the 26th of December and #8980 was paid to my account but I was unable to pay back due to some reasons and they keep calling my contacts and texting them that am a scammer and a debtor and thank God I was able to pay them back on the 11th of April 2022 I paid #22,220 and I sent them the proof when I noticed that my dashboard was still showing that I owe them, and they promised to clear it and they told me to pay a sum of #1000 to unfreeze my bvn and I paid it immediately and ever since then they have not been replying my messages and they refuse to unfreeze my bvn and now I cannot use my bvn to borrow money on fair money becoz they keep telling me that my bvn is blocked
Lcredit is worse,they have use like 1000 different numbers to call me and i keep blocking them,i have repay their loan since but they said fee of paying late they started adding koney everyday calling me to threaten me,insults upon insult even threatening me to block my BVN and NIN on a loan i pay back immediately i collected my salary.those company needs to be BAN i am tired of them.
a is my problem they are treating me that they will kill me and nothing will happen
Are we wasting our time airing our ordeals on this platform? because it looks like we’ ve been chasing shadows. No positive response from them. And for people like me who are in debt, I advise you pay back when you have the money but don’t do anything drastic because it won’t change anything. Take life jeje
Cashkey, iomoney, CashLion, after defaming me that I’m a fraudster through the sms and Whatsapp messages sent to my contacts, they are still believing I’ll pay… Kobo Dem no go collect
Na person why get money they pay back
Please how long will this threat last, because I’m a victim.. I didn’t take any loan, yet this loan app has distory my name…. Thank God that people around me trust me so much
Government should pls help us with this online loan app especially this aimloan they want to kill someone with they interest
Gov
Please,let keep reporting them on Google play store so that they can be removed.
The email address:[email protected] is not functioning. I sent emails to it and it returned a non delivery response.
The government agencies are slow in clamping down on the loan sharks.
Many of them are not registered with C.A.C.
They operate in locations which are hidden especially in lagos.
The government agencies needs to use technologies to track them down and arrest both the owners and the debt collections agents.
AIMLOAN LCRREDIT CASH FARM XCROSSCASH XCASH PALMCREUDT WECASH NAIRALAND GOLD NAIRA RAPID NAIRA UNICREDIT
PLEASE THE GOVERNMENT SHOULD BAN THEM TOTALLY
THEY HAVE LIFE KILLING INTERESTES
YOU BORROW MONEY FROM AIMLOAN 65K
AND THEY GIVE YOU 48,000 TO PAY 69950 AS REPAYMENT TO PAY IN 7DAYS
THIS IS OUTRAGEOUS WHEN YOU FIND OUT DUCH FRAUDULENT ACTS
YOU CANNOT TERMINATE SUCH TRANSACTION WITH THEM
PLEASE THEY SHOULD TERMINATE THIS APPLI application FROM CONTINUING.
HOW DOES AN APP GUVE ACCES GO OTHER LOAN APPS TO JAVE YOUR IDENTITY PICTURE DISPLAY. WHEN YOU DO NOT SUBSCRIBE SUCH PATTERN WITH THEM
ABOVE ALL THEY DON’T HAVE AN OFFICE. NEITHER NO GREAT WAY OF SPEAKING TO CUSTOMERS
PLEASE GOVERNMENT SHOULD TERMINATE THEM FOREVER
when my sister husband die with their two years old child after 3 days this loan app start calling her she told them what happened they start threatening her one of them even said that they don’t care that you should go and pay the money then she started crying and crying there from there she have high BP after one week she died
I lost my sister because of this people after she lost her husband they keep on calling her to pay a loan she even told them that she lost her husband they keep on sending her message from there she have BP then after 1 week she died
If I told you what I’m going through here because of this loan app they want to kill me they are treating my life after when I explain to them I told them what happened to me how my girl run away with my pos and my they don’t even care
They threatened to call 300 of my contacts when I hardly have 180 contacts saved lol…. I don’t even take them seriously anymore after they threatened to blackmail me till I wouldn’t be able to walk on the street of Lagos. They’re bunch of fools… LCREDIT IS SUPER STUPID. I’m glad Google Playstore removed them from thier store.
L CREDIT IS A BIG FOOL
Even Go cash is worse my loan is a day due, cannot even beg them not to post me on every social media because I am so frustrated even my will to live is decreasing every day
Here is the message they sent to me
*FINAL NOTICE*
*DEAR SIR/MA*
THIS IS A FINAL NOTICE ABOUT YOUR LOAN WHICH YOU HAVE BEEN INFORMED BY CALLS,MESSAGES ETC….PLS NOTE THAT YOUR PAYMENT IS ADVICE TO BE INITIATED ON OR BEFORE *1PM* TODAY….IF THIS IS IGNORED THEN ACTIONS WILL COMMENCE …
1-*BLACKLISTING OF YOUR BVN*
2-*YOUR PHONE BOOK WILL BE CONTACTED AND YOUR FAMILY WILL BE INVOLVED*
3-*YOUR INFOMATIONS WILL BE SHARED ON GISTLOVER PLATFORM*
4-*YOUR PICTURES WILL FOLLOW*
5-*YOUR COMPANY/BUSINESS PLATFORM WILL BE CONTACTED*ETC
*PLS DONT ACT BLIND ON THIS INFORMATION*…
IF YOU FEEL ALL THIS ARE THREAT THEN IGNORE PLS…
NOTE:*PLS DO THE NEEDFUL ON OR BEFORE 1PM TODAY AND AVOID ISSUES*
*LEGAL DEPT,GOCASH COMPANY*
I was even trying to tell the person that they will get their 44,100 when I have it but they said they will post it on gist lover’s page that I’m a thief. Wo I’m tired abeg
Lcredit is the number 1 on my list banning them is under statement they need to be arrested and sanctioned , they are quick in calling your contact even if your loan is 1 day to go and will start telling them if you don’t pay that same day you will get arrested by police , (that not a new story) them most important thing is that this Lcredit doesn’t have office address but if you make mistake asking any of they are agent they will tell you all the story of your life that day with big cause, another thing is that I payed money through transfer but the money didn’t reflect on my dashboard then I chat up one if they’re agent and she told me that I have been scammed that where did I get the account number from after sending her payment receipt , then I screenshot the account number on the app and send to her , the next I saw was that she blocked me… Up till now nothing have been done.
All the unregistered loan app should be ban from operating
List of bad loan app from my side here
Weshare
Easymoni
And have promise myself not to take even 1k from any loan app again and does ones have been victim I’ll continue to pay installment until I pay off
PLS STAY AWAY FROM UNREGISTERED LOAN APP IT AN ADVICE
Please federal government should help us, we are being frustrated due to this loan especially AIMLOAN they are very wicked, they will give you 10000 and request repayment of 19500 in 7days now as am talking to you the interest is almost 70000k in two weeks I don’t know what to do.
Please if u collect a loan repay on time so that your credit will not be affected.me am owing about #200000 in almost 30 different loan companies now I can’t borrow again and the money keep on increasing.i we be here until dey come catch me but if God help me they shut dem down I done finally gain from national cake
I borrowed money from cashfarm come and see the way one of their agent is raining curse on me she even threatened to my picture everywhere I swear I will not pay the money back
I borrowed money from Zuma cash which has not been up to 2weeks which the interest rate was displayed to 30% and I just woke up to 10k loan to increase to 21,800 and they are even threatening with all kinds saying that I’m sleeping with dogs even all my contacts has been calling me they are frauds
Run from ZUMA CASH.. they will add to your problems
Zuma cash are fraudsters ooo
Zuma cash is a scamming scheme, don’t do business with them.. they are THIEVES THIEVES THIEVES!!!
How would one be called a Pedophile because he collected a loan and has not paid by 12pm of the last day of the month. Note, the person’s salary has not been paid and its not yet close of business that day. The fellow has also chatted them up on Whatsapp explaining the circumstances.
ZUMA CASH SHAME ON YOU. YOU WILL NOT EXCEL
May GOD punish Zuma Cash and those posting and in charge of assassinating peoples character for patronizing their company. May GOD punish them.
Zuma Cash and loan apps as such, you will not thrive.
All these illegal loan apps should be banned. Especially those ones with one week and two weeks duration. They are scammers. They are doing more harm than good. Imagine giving someone #20,000 to pay back #30,000 under one week. What they display on their advert page is different from what they are doing. Something should be urgently done about them.
I collected a loan of 14,000 now this lady posted this
ALERT!ALERT!!ALERT!!!
A PEDOPHILE (CHILD RAPIST) WITH THE NAME Fabian Umoh
AND CONTACT 08167557668
IS WANTED BY THE POLICE FOR SEXUALLY HARRASSING AND RAPING UNDER AGE CHILDREN.HE IS A WANTED RAPSIT AND SHOULD BE REPORTED TO THE NEARBY POLICE STATION OR AUTHORITIES IN THE COUNTRY.PARENTS ARE ADVICED TO PROTECT THIER WARDS FROM THE HANDS OF THESE PEDOPHILES IN THE COUNTRY.
REPORTING FROM
HUMAN RIGHT ACTIVIST
MR ADEOYE KUNLE.
I want to know when I went to rape her family member.
I’m making this report her before I go to court on Monday to lay a complaint against the company. I’m going to be sending this to the lawyer on Monday morning against moneyhub-zumacash.
Join #TheICIRSpace on Twitter as we discuss issues surrounding cases of Nigerian Fintech companies shaming and threatening customers for late payment of loans.
Click here to set a reminder: https://twitter.com/i/spaces/1yNGaYvlZPvGj
Date: 27th May, 2022.
Time: 7:00PM
#TheICIRSpace #twitterspace #theicir
I applied for a loan and was told im eligible for 25000 only for iomoney to disburse 19250 and i was to repay 39,535 even the interest is more than the loan….
I will only pay the money lent
and once they start posting my pictures i am not paying a dime again…
federal government should just ban these people
they are doing more harm than good
aim loan is complete fraudulent application I demand for 15000 loan I later canceled it but they still disbursed 11250 into my account telling me to pay 16050 back as return I call the number on their app always switch off I messaged them on WhatsApp no reply 😡 but they keep calling me with strange 7 digit number with computer telling me to pay my loan I can even talk with them during the phone can bcs it was as if the voice was recorded to be read to people on phone everyday 750 naira interest is add my picture where I open my mouth during verification was sent to my contacts and very embarrassing messages as well I don’t know why play store have such app.
Those loan app showed me shege. After I have paid my complete money another money was removed from my account and I was told to take another loan so it will be used to clear the money the deducted because they can refund me. Till now I have been embarrassed all around all social media and my contact list because I didn’t pay the money again o
Sokoloan number one
Lcredit
Palmcredit
Deloan
And others
Lcredit should be ban they are violating human right, invading my privacy sending message to my contact that I borrowed money from them
Government should ban them
Please Federal Government should do something about the Loan Apps. Some of their staffs are nice while some of them are very wicked. The fact that you work with a loan company doesn’t make you perfect. Without these loans your salary is not certain. Loan Apps are killing people silently. And this is a very serious thing to look out for. Use 60k for repayment to collect 40k for 7days. Haba, it’s not fair o. God is on His throne, watching everything we think it’s perfect in His sight.
Please government should do something about these loan of a thing .
My BVN was defrauded and was use for securing loan when my phone was lost , I just imagine how they verified the BVN with facial , thumbprint, or BVN number. Me now recovering my lost sim I started seeing alot of loan message on my WhatsApp that got me peace off .and I was telling them to give me details yet they never did and they are now threatening me with contact calling and so on .pls I really need help of these now if you’re really concerned about the dignity and peaceful mind of the individuals in these countries .please Government should do something urgently
Lcredit
Iomoney are the one troubling me now on unaware loan and they not ready to provide details pls help
Please Government should find way to just stop them from playstore and Google and trace the account that they give the borrower to block all Please we are begging before this month end do something,
Lcredi
9credit
Fairmoney
Farm cash
Palmcredit
Okash
Cash mail
Easemoni
Am a victim I own cash lion and I had accident and I send them the picture to confirm that am in hospital and a serious accident serious they keep on calling me that I should pay there money
The Government should pls save the citizens of this country by shutting down those loan apps
The loan apps are putting a huge hardship on the citizens of this country. The Government should shut them down.
Please am also a victim infants l don’t have anything in the shop now, I was even paying 3000k everyday, but they keep adding interest in fact have stop making any payment now, they are now saying if I don’t make my payment before 2days they will take court order, please help o,Any loan ,Almloan , L credit
Am talking from experience.
All these loans people are talkung about, i also borrowed so many times and from different apps, more than 20 to be specific. Thank God i was never disgraced cuz i have a good repayment plan.
The problem is, anybody who doesn’t want to be embarrassed shouldn’t have borrowed money from them at first, there is no way u will borrow money from them, nd them giving u without any collateral, no documentation, no physical verification and u expect them to be simple with u. And even, aswear before they give u the money, its u urself that will accept their term and conditions of oaying back the exact amount they wrote, then why will somone be surprised of the amount he will pay back??? Collecting money is sweet but paying back isn’t???
Yes what they are doing isn’t bad, and for those blackmailing Fari Money, pls don’t, fair money is a legit one and i don’t think they are bad. As am writing this, i owe fair money about more than 30k and its more than 50 days due, none contacted my contacts, i emailed them apologising myself and that am paying back ASAP.
I have sleepless night sometimes due to these people and aswesr even myself have thought of suicide, but i blame no body, not even the lenders, cuz i know it’s my own actions that led me.
If u are reading this and u want to borrow money from them, i suggest and advice u to NEVER EVER EVER IN YOUR LIFE GO TO IT NO MATTER THE SITUATION U ARE IN. ASWEAR ITS FAR FAR MORE BETTER THAN THE ONE U ARE PUTTING URSELF IN. HELL NOOOOOOOO DON’T.
if u do, u will come back Nd say i told u.
FCCPC please help Nigerians from these sharks called loan apps. Government can track them and stop them. Please stop these people.
Those people are mad, I’m also a victim, please even if you borrowed from 13apps and posted your picture don’t bother to pay them back, ignore all there threat, they will stop if they see that you’re not moved with there threat.
These loan apps have want to kill me.. I’m presently in the hospital because of them… please do something
I am depressed presently and contemplating suicide. Took loan for my sick husband and the shaming is too much for me to bear.
Please help.
I have been a victim of this loan app they sent my picture to all my contact saying am a fraudster and all sort of things. Is really not fair spoiling ones image the app that does these are as follows
Lcredit
Aimloan
Addmoney
Xcredit
Imoney
Oxloan
Loannaira
Ajeloan
Zumacash
Deloan
Ncash
Snappycredit
Cocoloan
Iomoney
Creditall
Truenaira
Naira9ja
The government should do something about them because it is annoying and embarrassing
[FASTMONEY] After several MESSAGES and CALLS put across to you to make your REPAYMENT before 2pm today, we are yet to receive your REPAYMENT. Please note again that if your repayment does not come in on or before 4pm, the COMPANY will have no other choice but to undertake legal actions against you to recover its debt.
Imagine this☝️It’s not even my due date yet
Lcredit are the worst set of people
They lend me 83400 and expect me to pay 105000 in just two weeks. Although I have paid 20k out of it but they are on my neck with calls and their customer care service are very rude. Imagine how do they expect me to pay that amount within two weeks.
See some messages I get from people I don’t know self.👇
What is all this nonsense now, Lcredit called me that you took a loan and you are absconding with their money, please remove my number or God will judge you for me.
pay your loan if you are owing any loan company and never drop my number again or else you will suffer.
Imagine
Not that I admit that I won’t pay I have been telling the manager to give me more time.
Please & please, this loan app called Ajeloan are disturbing my peace, I was given a loan I never asked for, the first time I was given #1,750 and was told to pay back #3,500 in a week which I did because I don’t want anybody spoiling my reputation, Now they have me a Loan of #7,350 which I also never asked for, I was told to pay #10,500 in 2 weeks, I called all thier customer care contacts and explained the situation to them, they replied like it didn’t concern them but later one of them called me & told me he understand my situation & the mistake that was done, so he said I should pay #8,000 for my debt to be cleared, I did that same day & he told me my account was cleared, which he promised its not a part payment and assure me its a full payment. After a week, I was called again by Ajeloan saying I haven’t paid the remaining #3500 which I don’t even understand, one of them said I should pay #2,000 to clear my debt again. They have turned the case to a fraud case. Now am being threatened to pay if not they will contact all numbers on my contact list said am a fraud. Please and please I need help
Good day, please we begging the government to please do something about all this loan app, citizen are dying just because of the threat they receive from this loans app. There was one that was rushed to the hospital yesterday I guess after diagnosing the patient noticed she took poison and we asked her sister why she said she collected money from online loan app and couldn’t repay on time so they started sending her msgs claiming to destroy her reputation, threating her because she couldn’t pay back the money so she decided to take her life, those idiots don’t have thinking faculty that if anything happened to the customer they can’t collect their money back.
Pls help us we are dying gradually..
Aimloan is the worst app.please help us look into it,you ask for 30k,they will give 22500 in 7days to pay 32100 and failure to pay leads to additional 1500 with curses and even sending your profile to ones contact in just a day
They are the real fraudsters.please help warn them
Am in the same mess as the other people here they have set me up one loan app and one company gave my number to multiple app they were calling me and offering me loan collected some to pay some now I am in serious depth they have been calling my family and friends telling them that I am a criminal I am so confused I don’t know what to do please I need help
Good day ICIR.. please I bring to your attention that Zuma cash didn’t disburse any loan to me. Yet they keep telling me that am owing.
I’m currently in there mess right now, they keep sending me there threatening messages. My heart bleeding each time I look at there threatening messages and how speed they use to top up interest and already CBN and bank’s have allowed them to compromise with our bank account knowing fully well that they are fraudsters. Now I fall victim to the fraudulent loan application that was called (Loan Credit) App.
Good evening ICIR
Am also a victim of a loan app known as wekash where by I was offered a loan of 9000 to pay 14000 for seven days which I comply but after borrowing the money that same day they increase it to 15500 ..Right now the loan is now 20500 for just 4 days after their due date which is 7 days and they have been calling me and sending some dirt massage to me alot of abuse that they will embarrassed me ..
They even go ahead to call my father telling him that they are about to spoil our surname if the money is not been paid .. they will post it on social media and so on and even treating to jail me up …
Please we need the assistant of government to help us get rid of all this illegalized loan app like wekash, u credit, gold naira, cashmall, imoney, nairaland and so on …
Please we are helpless ..
Federal government should do something about it their interest is too high
Good evening ICIR
Am also a victim of a loan app known as wekash where by I was offered a loan of 9000 to pay 14000 for seven days which I comply but after borrowing the money that same day they increase it to 15500 ..Right now the loan is now 20500 for just 4 days after their due date which is 7 days and they have been calling me and sending some dirt massage to me alot of abuse that they will embarrassed me ..
They even go ahead to call my father telling him that they are about to spoil our surname if the money is not been paid .. they will post it on social media and so on and even treating to jail me up …
Please we need the assistant of government to help us get rid of all this illegalized loan app like wekash, u credit, gold naira, cashmall, imoney, nairaland and so on …
Good day, please I will also like to complain about this online loan like, Aimloan, xcrosscash,new credit,lcredit, imoney and the rest. Am also a victim of collecting loan when I lost my job I had to go for my handwork and I had to boost it I collected from This loan listed which I do pay back before the due date, but all of a sudden everything became worst because of the country so I had to collect from MrA to pay mrB.But later I couldn’t continue like that.sum money enter my acct I started seeing debit alert of different amount of money from the same pos paystack.com Ikeja and have msg them saying dey deducted me more than the amount dey should debit and they didn’t reply me again. Pls I want the government to pls block all this loan app because of them and the threat I developed high BP it’s not our fault we are not paying back but the country isn’t good for now.
ruth victor and her accomplice Adebayo Victor used you as an emergency contact.
Shamelessly owing IMONEY N46,530 despite all attempts to help clear the debt. She’s acting fraudulent and behaving like a chronic, unrepentant fraudster.
Call or chat her up on WhatsApp to pay up NOW and also clear your details from our system to avoid future embarrassment. This is what imoney did to my wife by sending this to all her contact together with both of us pictures to the public. Pls federal government should do something before it will be too late. Is borrowing a thief? When some so call company we send nonsense to ur family ones, friends, relationship, and expecting u to pay back the money again no. They keep on sending it again and again.
WARNING WARNING WARNING
Remember we have your Personal Identifiable Information: BVN, Card Info, NIN, OTP, PIN, Contacts, location ID,phone section ID,and Login Info….
We do not make fake threat we will reach your contacts and as time goes on we will link malware device to your BVN….
You have been warned don’t be among does that will later go to our review page on the platform, to say negative things about us the agent reaching you are paid, airtime on calls and messages for reaching you are not free….
THE COMPANY IS MORE DESPERATE THAN EVER TO GET THE FUNDS OUT THERE.DONT BE AFFECTED! This is what Lcredit send to me everyday.
LCREDIT
LCREDIT LCREDIT LCREDIT
ALL DAY YOU WERE CALLED AND TEXTED YET YOU ARE ADAMANT ABOUT PAYING YOUR LOAN ANYWAY BE AWARE THAT FROM 9AM TOMORROW 23/4/2022 THE COMPANY WOULD PLACE ALL DEBTORS ON A CONTINUOUS SYSTEM CALLS TO THEIR RELATIVES INFORMING THAT YOU TOOK A LOAN AND REGISTERED THEIR NUMBER AS A GUARANTOR WITH THEIR PERMISSION SO WE HAVE NO OPTION BUT TO REACH OUT TO THEM SINCE YOU HAVE REFUSED TO PAY. This is the message I received from Lcredit everyday. Pls federal government should shutdown all the online app. And this is the second massage they also send to me. WARNING WARNING WARNING
Remember we have your Personal Identifiable Information: BVN, Card Info, NIN, OTP, PIN, Contacts, location ID,phone section ID,and Login Info….
We do not make fake threat we will reach your contacts and as time goes on we will link malware device to your BVN….
You have been warned don’t be among does that will later go to our review page on the platform, to say negative things about us the agent reaching you are paid, airtime on calls and messages for reaching you are not free….
THE COMPANY IS MORE DESPERATE THAN EVER TO GET THE FUNDS OUT THERE.DONT BE AFFECTED!
LCREDIT
YOU HAVE BETWEEN NOW TILL 9AM TOMORROW 23/4/2022 TO PAY AND SEND THE PAYMENT PROOF.
Thank you for reaching out to The ICIR.
We extend our sympathy over the harassment you went through.
You can send a mail to [email protected] detailing your encounter with the loan app.
They are in charge of regulating activities of loan apps in the country and in a better position to resolve the issue.
Kind regards,
Esther Ilesanmi.
Naira plus,true naira ,gocash, lcredit should be banned, they have frustrated so many lives,imoney is not exempted ,please government should look into it
Government pls us track them if you there acct number to trace them,i we provide it for you.
Am also victim of it,i believe with all for this loan acct number federal government can use it to track them.They are really bad to .
Flashnaira(3189025806 fisrt bank)
Ncredit(7697510751 wema bank)
Mintloan the big criminal platform hiding under Edmond investment(8112174468 wema)
Nairacash(8112894353)wema.And also if there agent phone number is needed so that,people can call them as well and caution them.Lets list then too.Thanks and pls federal government intercede for us .
I am a victim of all this loan apps, as we speak my loan is due with ZumaCash and i was told to pay by 12pm, it’s 12:10pm
As it stands now, you’ve defaulted and we’ve got no other choice but to send defamatory messages to each and every of your contact and start accessing your personal account/savings/company account concerning this loan, it will be devastating because double what you are meant to pay will be deducted and defamatory messages and images of you will be sent to your contacts, this is something we actually don’t want but you’ve left us with no option but to do it the hard way, its either you respect yourself right now or you get disrespected beyond your wildest dream.
Your new year revolution will start with your photo going viral as a criminal, that I can assure you.
This is the message i got on my WhatsApp
Nigerian government is not trying, no jobs and if you have a job with your qualifications, you will still be paid peanuts while you work as a camel, age bias in companies, tell me why Chinese will not take advantage of us.
Last week AnyLoan send messages to all my contacts with my pictures on WhatsApp, got a query from the office questioning the image i put out, with uncultured agents and emails I sent to them that i will make payments by 4pm that same day my loan was due.
I have read a comment by someone saying things about Nigerians and Integrity. I wanted to ask the person if things go as planned everytime for him/her and he/she has never been disappointed about plans made. Life itself is unfair. I do not like embarrassment but at this point i am fed up.
Government agencies should protect their citizens identity. Mind you, Chinese or any foreign founders of this app will never allow Nigerians to be founders of any company in their countries.
Lcredit should report yme to God and the Devil himself…
The moment you start calling and messaging my contacts forget your money…..
I requested for a loan of 5000 from Kash Cash only to be credited 3250 and was told to repay 5181. 27 naira. I’ve been trying to get in touch with them but to no avail. Their email and phone number is not going through.
Block this people as they are Scammers
I’m owning too, but the reason is because I try to meet with their demand, I borrowed from one loan app to pay the other and at last I was left with dept and no gain to show for it, they all gave me short time to pay, high interest, threatening to frustrat my life and end my future.. the government should help me please.. this loans app are killing people unknowly please we need help.. I need help
LCredit is the worst loan app. I collected money from them and a day before the due date they’ve started sending me messages threatening me and the next day they farwarded the same message to my contacts. Please government should ban these loan apps. Naira plus, kashkash, Newcredit, cashmall etc they will tell you to loan for 90 days but immediately you request for the loan you will see 7days with high interest. This is very bad.
Am.a victim of this loan, they will harraze and calls us sources of names, they will even said is better someone should die cos their money.. like easyloan, 9credit, xcredit, hallo credit, etc. Their staffs doesn’t knw ow talk to their customers tell us to die.. Government should tell all this loan app to take it easy with their client atleast for some peoples who ah paying small small they should agree with them but noon but is harassment..
I think the best to shutdown all this loan app is to collect their money and choose not to pay them back. More so, turn your deaf hear to all their defamatory messages, calling your contact ,posting your picture. I think if people are collecting their money without paying back will cause them to withdraw from their fraud activities which they call loan
If the Government are sincere in clampering down all this thieves called Loan app…they should first start WEMA bank….didn’t you all notice that all of them uses mostly wema bank as an account people pay into…and each borrower have a a personal wema account number you are meant to pay into…so that means they have plenty and different account number with Wema bank.
Infact there are some Wema account they will give borrower to pay into and say the account can only last 30 mins before expiry.
Which banks gives a temporar account that last only 30nmins, meaning that Wema bank and these loans app are together defrauding and defaming borrowers.
They should go to wema bank freeze all this account, and am sure the owners of this scam loan apps will show face, then they can make their arrest and withhold Wema bank operational license.
They ve made so many peoples lives miserable with her loan, instead of helping, they are still collecting from those that needs help.
Naria9ja is the worst loan app my dad borrow 5250from them and they added their interest to it 1750. And my father died before the due date but they keep threatening me and my family because of the money, please I want federal government to help us out
*PUBLIC NOTICE*
*WANTED DEBTOR ON THE LOOSE FOR TWO WEEKS!!!*
*NAME:………………*
*CLAIMED AGE: 26 YEARS*
*PHONE NUMBER: …………….*
*LOCATION: LAGOS STATE*
*EMAIL: …………………………….*
*GUARANTOR: IMMEDIATE FAMILY*
*Be informed that a CHRONIC/UNAPOLOGETIC and UNREMORSEFUL DEBTOR named Sofiyyah Ajoke Ashaka, has been warned severally FOR DAYS to make her payment AND HAVE REFUSED AND SHE IS CURRENTLY NOWHERE TO BE FOUND (IGNORING CALLS AND MESSAGES) and who goes about COLLECTING LOAN from different LOAN COMPANIES and ABSCONDS with their money and avoiding several attempts to reach her. She has been declared a WANTED DEBTOR AND A THIEF ON THE RUN by the CREDIT MANAGEMENT INSTITUTE for DEFRAUDING and ABSCONDING with COMPANY’s MONEY.*
*Her family members have been notified and they have decided to do nothing about it!!!. However, this notice will keep circulating till she pays!!!.*
*If you doubt this message, you can ask her if found or ask any of her family members who are not helping matters and we have solid proof. Current loan debt is ₦30400.*
*NOTE: Her BVN has been blacklisted and families connected to her have been put on financial surveillance for fraud activities till further notice!!!* This is the message sent to me. But it didn’t end there as other loan shark started sending messages to me claiming am owing them the money they didn’t disburse to my account. This is causing alot of problem in my relationship as my partner seems not to believe me as they keep sending different messages to him. They keep threatening me with legal forces such as Army, DSS and so on
If you mind is not strong enough, you will commit suicide with their never ending threats.
It’s better to be a sincere debtor than to be a thief, I don’t need to lie I’m owning about 6 of them and the reason is I take from Mr a to pay Mr b and at the end of the day you’re using all your earnings to pay for interest so there’s no way you can pay back their cash.
Knowing this I stopped taking from Mr a to pay Mr b and asked them all to suspend the interest so I can be paying them small small until I’m done paying thinking their capital is important to them, I informed my contacts to always let me know whoever among them sends messages to them.
In a nutshell, once you send anything sms, calls or picture to any of my contacts forget your money, if you like post me on BBC or CNN I don’t care because those who knows me personally are all aware of this loan apps and won’t be bothered by whatever they send because me I’m not bothered by any threat ooo.
If you’re owning and not running forget their threats and don’t give yourself high BP , Nigeria as a nation is owning.
One of the lcredit sincere worker who call me said it’s a Chinese company, cashlion are bastard their the first to txt my contacts, their cash is gone for life I won’t pay back for sending messages to my contacts, mumu kashkash keeps increasing the interest at 1800 daily
Very unfortunate that Nigerian government would watch all this rubbish happen under their nose and yet nothing is done. How much difficult is it for government tonsils banks to block the accounts of the companies involved in this nonsense or let the banks such as wens, sterling bank etc handling their accounts be sanctioned, i believe this is the right way to go. We cant be asking google to delete their app, when the solution to this problem is right within our means.
FINAL WARNING NOTICE
As you have refused to make our payment (FAMILY, FRIENDS, NEIGHBORS ,CHURCH, COLLEAGUES AT UR WORK PLACE, BOSS, LANDLORDS PASTORS,REV.UR IN-LAWS WHERE YOU ARE MARRIED.) will be contacted for as this actions will hinder you LOAN GRANTS,JOB, OR BUSINESS OPPORTUNITY in any firm and also VISA, due to this reasons LCREDIT will be messaging and calling 500 from your contacts, so they will be aware . your BVN(YOU FILLED IN WHEN YOU DOWNLOADED THE APP) will also be blocked by the credit bureau which will cause ur bank accounts to be freezed and it will be declared LIEN…you will have a Permanent BAD RECORD. LCREDIT strongly recommend immediate payment NOW of the overdue amount as investigation is ongoing.
Here is the account details of the company Account Name : CASHIGO INTERNATIONAL LIMITED
Account Number : 1016431268
Bank : ZENITH BANK.
PAY YOUR LOAN NOW
Send your proof of payment here.
LCREDIT WISH YOU A HAPPY LIFE
Best Regards
©️LCREDIT
Imagine 😡😡😡😠
FINAL WARNING NOTICE
As you have refused to make our payment (FAMILY, FRIENDS, NEIGHBORS ,CHURCH, COLLEAGUES AT UR WORK PLACE, BOSS, LANDLORDS PASTORS,REV.UR IN-LAWS WHERE YOU ARE MARRIED.) will be contacted for as this actions will hinder you LOAN GRANTS,JOB, OR BUSINESS OPPORTUNITY in any firm and also VISA, due to this reasons LCREDIT will be messaging and calling 500 from your contacts, so they will be aware . your BVN(YOU FILLED IN WHEN YOU DOWNLOADED THE APP) will also be blocked by the credit bureau which will cause ur bank accounts to be freezed and it will be declared LIEN…you will have a Permanent BAD RECORD. LCREDIT strongly recommend immediate payment NOW of the overdue amount as investigation is ongoing.
Here is the account details of the company Account Name : CASHIGO INTERNATIONAL LIMITED
Account Number : 1016431268
Bank : ZENITH BANK.
PAY YOUR LOAN NOW
Send your proof of payment here.
LCREDIT WISH YOU A HAPPY LIFE
Best Regards
©️LCREDIT
Imagine 😡😡😠
LCREDIT SHOULD BE BANNED 🚫
FEDERAL GOVERNMENT DO SOMETHING ABOUT IT PLEASE
I don’t know why it is taking so long for government to deal with all this loan app.what can we do to stop them from having access to our contacts .this loan apps are so heartless and wicked.
Anonymous Abi weytin they call you… if e sure for you say you sabi talk and wan defend yourself. You fit show o, if you no collect wotowoto, call me bastard. You not a man… can’t you see you are foolish. I’m very sure you won’t finish this month. If e sure for you, come out or comment with your name. I’m ready to kill anyone of you if I happened to see you face to face. Koni ye gbogbo yin tirantiran.
Gocash
Lcredit
9credit
Xcredit
Kash kash
Oloriburuku ma ni gbogbo won.
Just this week, I still sent 10k to Lcredit when they started sending implicated messages to my contacts and even on WhatsApp. Many people don’t even believe me anymore. I’ve been borrowing since last year or so and I make sure I pay before due date. Just last year November when they started cursing people on my contacts that I took the company’s money in my wallet. I was very ready to pay off their debts, but what’s the difference if I decide to pay while my pictures and bullied messages were sent to my phone countless time. The way they were addressing elderly people on the phone even shows they lack mannerisms. Listen to me if any agent of those unfortunate loan apps is on here.. I’m telling you now that I won’t pay a dime again. And as for LCREDIT that I still want to balance 20k. I’m saying bye bye. Even if federal government refused to bann them and shut their apps down. I will still stand on my words… I’m very stubborn, I won’t pay any fucking money again. Na person wey get name shame they always waka with. I can’t kill myself. If e sure for any of those loan apps, please let them show. Come out in person and let us face each other. E no go better for all of those dubious lenders.
All the loan app should be banned, cause the threat from them is too much like wise they keep on calling people’s contact and sending messages to them on whatsapp, sending messages that someone is infected with Hiv aid and as been receiving treatment, and ran out from the health center that friends should avoid cause he want to infect some many people. Imagine the kind of bad reputation, the government should shutdown all loan apps cause the embarrassment is getting too much.
Man…
These companies are honestly hell!!!
If it were possible to upload voicenotes of messages sent to me by HCash… Man, it’s so horrible!
Just because my salary got delayed, and I had to wait till after the weekend to get my payment. These guys went ahead to tarnish the little reputation that I’m managing to build for myself.
Funny that more of the companies keep springing up daily.
YOU’D WISH YOU NEVER DID, YOU DEFAULTER!!! You have Bridged the contract you have with EASYMONI as you refused to make your payment yesterday. Be aware that EASYMONI now has every right to take necessary action in the collection of your debt and won’t be responsible for any damage. Remember we have all of your Contacts and as well as your BVN (GOOD NAME IS BETTER THAN RICHES) Failure to make your payment today will leave us with no choice but to BRUTALLY EMBARRASS you by INFORMING your contacts about your LOAN which you have DELIBERATELY REFUSED TO PAY. Pay through the bank methods in the app (WEMA/ROLEZ MFB) Contact credit control team, GRACE on WhatsApp through 09139368393 for 𝘱𝘢𝘺𝘮𝘦𝘯𝘵. options and confirmations only. EASYMONI LEGAL DEPT TEAM [Barr DOTUN]
Sent On : 2 APR, 2022 17:25:17. 𝘖𝘯𝘦 𝘰𝘧 𝘵𝘩𝘦𝘪𝘳 𝘢𝘨𝘦𝘯𝘵 𝘢𝘭𝘴𝘰 𝘶𝘴𝘦𝘴 09037752836. 𝘛𝘩𝘦𝘺 𝘸𝘢𝘯𝘵 𝘵𝘰 𝘬𝘪𝘭𝘭 𝘯𝘪𝘨𝘦𝘳𝘪𝘢𝘯𝘴.
COGENT AND WELL DETAILED WARNING TO YOU THIS EVENING
TREAT AS URGENT… THE LOAN GIVEN TO YOU OUT OF HUMBLE KINDNESS AND ASSISTANCE FROM OUR ORGANISATION TO SORT OUT YOUR NEEDS, BILLS AND BUSINESS WHEN YOU NEEDED IT THE MOST IS YET TO BE MADE,
Well Since you have purposefully and intentionally refused to pay EASYMONI be assured that we will continue reminding all your contacts how CUNNY, SELFISH, SELF CENTERED, IGNORANT AND A POTENTIAL DEBTOR you are towards making your payment. In case your contacts have not been contacted yet , do not worry, it will surely get to your turn TODAY AND I PROMISE YOU THAT 70 -100 OF YOUR CONTACTS WOULD RECEIVE MESSAGES FROM OUR ORGANISATION(EASECASH), they will definitely be fully aware of your dubiousness today from EASYMONI legal department. Also, by accepting to our terms and condition we will be sending a report to all other LOANS APPS, FINTECH ORGANISATION AND OTHER FINANCIAL INSTITUTIONS sharing your details on how dubious you can be and restricting you from getting loans from other LOAN APPS, also taking necessary ACTIONS TO BLOCK YOUR BVN… RELIGIOUS PLACES OF WORSHIPS LIKE CHURCHES, MOSQUES, SOCIAL GATHERINGS WOULD ALSO BE ALERTED AND THE LIKES OF SOCIAL MEDIAS LIKE FACEBOOK, TWITTER, INSTAGRAM, TIK-TOK AND MESSENGERS AND AS WELL WHATSAPP GROUPS WOULD GET TO KNOW ABOUT YOUR UNPAID LOAN AND YOUR DUBIOUS ATTITUDE… MAKE YOUR PAYMENT NOW..
BE WARNED! CALL YOUR ACCOUNT OFFICER AND IF PAYMENT HAS BEEN MADE, SEND PROOF OF PAYMENT ON WHATSAPP….
MAKE ALL PAYMENTS TO WEMA OR STERLING ACCOUNT OR PAY THROUGH THE APP.. DO NOT PAY INTO ZENITH ACCOUNT AS WE ARE HAVING NETWORK ISSUES
Sent On : 2 APR, 2022 13:57:31
Good Day from IMONEY Our decision goes in line with all collection agencies licensing laws. YOU are used to messages sent by other Loan Platforms to your registered contacts and few phone book contacts randomly selected as a chronic debtor. KINDLY WAIT AND GET THE GREATEST SHOCK EVER!. You have been consistently told to avoid unnecessary embarrassment, blacklisting and unredeemable regrets in respect to your debt for days . we have all records of calls and text with much persuasion on modalities for your repayment which you decided to ignore and want to know what we can do. YOU WILL GET EXACTLY WHAT HAS NEVER BEEN DONE BY OTHER LOAN PLATFORMS AND BRINGING A LIFETIME REGRET UPON YOURSELF AND FAMILY.
Recently
I collected a loan to boast my business but unfortunately the land of my shop was sold and we are asked to vacate the premises before March 31st, have packed but I don’t have enough cash to pay them back and all I could get is a threat from Imoney, Xcredit..and they keep adding to my loan I collected..I will pay there money when am financially okay..
I lost my job because of fellows,my employer received the message and has to give me query and from there 3months suspension then lead to automatic sacked this people are hell they will fraustrate the life out you you why now this is wickedness and they can’t also take a loan with that kind of interest please oooo our government do something before they kill all of us with Fraustsration and depression 😫 oooo
Haaaa🤔😱 our government should please banne this loan app they were putting people under fraustsration and depression with this loan issues I almost do the worst for myself because from 30k that I borrowed from one app to pay back become an issue I had to shuffle from one app to another to the level that it choke me I no con see am shuffle again they had to go far to the extend of black mailing me receiving different kind of call and msg from family and friends but alhamdulillah am still alive but trying to pay back gradually after the embarrassment 🤔 I still received a message last week from cashlion agent still treatning me our government should please find solution to this alot of people are in this shoe facing depression 😫😢
The loan app called FASTMONEY has totally destroyed my entire life. And to the FASTMONEY person that is using this number +234 912 492 6015, Know that death is looking for you. Because the only thing left now is for me to find you and kill you before i kill myself… Watchout!
LCREDIT are still doing worse to us oooo they are sending pictures to our contact oo,they claiming they can handle federal government oo,, did federal government afraid of LCREDIT?? This is serious matters
LCREDIT is our wanted list for criminal act
I support all digital lending should be ban because they are scammers and they also invaded somebody account.
Public Notice public Notice Public Notice…. the Nigeria Police force has declared LCREDIT Company n is officials staff wanted for fraudulent act,n breach to customer privacy, contact phone list… pls send us the phone number they call u or threatened u with,don’t worry it’s our duty to track n arrest them .. enough is enough
Pls member of the public,Calm down we seriously working on this matter,all this loan app don’t have real office address,all the address the are using are fake expecially LCREDIT Company,There is a lot petitioned writing against LCREDIT,it’s already been endorsed and approved for quick action,even if don’t have office to located n got them arrested, once we tracked the phone number of one their staff n got he or she arrested,that would led us all of them, Don’t pay any money own online again,I reap don’t pay any money u borrow back online,tell them to give u their office address so that u can come n pay…
LCREDIT have been declared wanted,are what they doing now is illegal!!! The end has come for LCREDIT …..
Infact I’m a vitim of this loan apps. Since last year till new I never saved a dam . Once is time for my payment especially fast money lender( sokoloan) they will begin to send messages to all my contacts on WhatsApp . This shouldn’t be. Please government should do something about it at least we have been surving before this loans apps came. So if the government banned all we’ll also survive. Thank you. please
Good day FCCPC!
We appreciate the fact that some steps were taken by FCCPC and some other agencies few weeks ago to curb the bad ways these online loan companies or loan sharks violate the rights of their customers, especially while trying to get their repayments made but these steps presently appear to be like a lip enforcement and not real enforcement. These online loan companies are still doing as they have always done.
It is saddening that after series of complaints from a lot of Nigerians on the bad, disrespectful, disgraceful and embarrassing way that these online loan companies use in retrieving their loans from customers, the FCCPC and other co agencies still haven’t been able to curb their bad acts. It is unfair. Please, Nigerians are going through a lot from the hands of these loan companies.
Please, your agency should protect the customers but presently, it seems you do not care about the life of Nigerians. Loan companies are killing people indirectly and directly daily due to the disgrace, embarrassment and bad ways they employ in trying to get their loans back from their customers. They are still exhibiting these attitudes. Loan companies such as:
(1)LCredit
(2)XCredit
(3)Cash Lion
(4)KashKash
(5)9Credit
(6)Ease Cash
(7)Ease Moni
(8)Aje Loan
(9)Aim Loan
(10)Angel Loan
(11)Any Loan
(12)Okash
(13)EasyCredit
(14)NCash
(15)Mint Loan
(16)Bell Loan
(17)Naija Credit
(18)Next Credit
(19)De Loan
(20)Zuma Cash, and many others.
We heard and read that some moves were made by FCCPC but it seems it was just a lip service or a lip enforcement. Most of these loan companies are still violating the rights of the customers and they say FCCPC, NITDA and others can’t do anything to them that they are working together. This is not supposed to be happening. It is pathetic. Presently, FCCPC seem like the only hope for a common man who unfortunately finds himself or herself lending loans from these online loan companies.
The short term duration and very high interest rate should be checkmated. The advertisements, especially on loan duration and interests are different from their true nature. The least duration of the loan repayment should be at least 3 weeks or a month with low interest rates and even an option to extend the loan repayment time and not usage of threats, disgrace, humiliation, embarrassment, etc. by sending bad and humiliating messages to contacts on the customers phone.
FCCPC, NITDA, EFCC, please help Nigerians regulate and checkmate these online loan agencies. Nigerians are dying daily due to increase in blood pressure, heart attracts, etc. All these are due to the way these loan sharks disgrace and humiliate customers who are unable to make payment on due dates. Please, I write on behalf of myself, some friends who are in this shoes and many other Nigerians who makes use of these loan companies to meet immediate needs and do businesses due to the bad economic situation of the country.
Please, we need good rules and regulations to guide these loan companies and customers harassments, humiliation and disgrace should end now before it is too late. Please, kindly help close down the loan companies who would not abide by your rules and regulations. Please, FCCPC, kindly try to do all your best to protect customers right from these online loan companies. Please, save Nigerians ‘now’.
Nigerians also should endeavor to pay back their loans as and when due but if they’re unable to make the repayments on due dates, grace should be given for extension of loans such as that of ‘FairMoney loan extension’. The loans of 7 days, 8 days, 10 days and 2 weeks should be canceled too. At least 3 weeks or a month loan duration with low interest rates and not the present high interest rates offered by these loan companies which is not what was advertised in their ads on different platforms.
Above this comment are some of the different complaints by some Nigerians on their bad treatment from these loan companies. Please, FCCPC, ICPC, NITDA, CBN and EFCC try to regulate and checkmate the bad tactics of violation of human rights by these loan companies while trying to get their repayments.
We look forward to a positive response from you FCCPC and other necessary agencies.
Thank you!
NO PEACE FOR THE WICKED.
YOU CANNOT CHEAT LIFE CONTINUOUSLY. Ever wondered why things has been difficult for you and you have not been able to clear your debt? because for so many years in your life you have lived a life not worthy of emulation that is why even resources of earth do not answer to your call. You cannot pretend to be a good person, download an app you do not know where the money put inside comes from and you collect money, after agreeing to pay back at a stipulated period of 7days YOUR PROOF OF FRAUD IS THAT YOU SAW 7DAYS ON THE APP AND WENT AHEAD TO COLLECT MONEY then you eat another persons sweat, sit back in your house and claim nothing can be done to you because you took the money from online. You are forgeting there is a spiritual curse to this life we live in. When you begin suffering and cannot afford any more finance going through many years filled with regret kindly remember that you stole a persons money and you were cursed. If you feel it is your right to take a money you did not work for then it is the right of Karma to make your sufferings and tribulations compounded. You can never be greater than the person you lend from and start acting like a criminal, remain in your state. BUT BY THE TIME NKASH IS DONE WITH YOU , YOUR LIFE WON’T REMIAN THE SAME .NKASH (MAKE YOUR PAYMENT NOW) LEGAL TEAM 09122503601
Sent On : 28 MAR, 2022 16:17:11
How do they expect one to pay after all these curses .. this is just one amongst the rest
Hmmm, just wen I thought I was the only one. These app just have to go! Threats and swears all around. They don’t even understand that one needs extension. They went ahead to tag me a thief and a fraudulent person. Even after making part payment. What annoys me is the insults that come with it! Let me not talk about early morning and late night calls from them. I can’t even have my battery kept for long again. Fed govt. Pls bring these ppl down or sanction them.
I support all digital lending company should be banned. They have no single help to our dear Society.
Disgressing and threatening of our dear Nigerians that’s all they know.
I appeal the federal government should banned and sanctioned all of them with 200 billion ransom to all victims.
These loan Apps has finished me. I can’t wait for Govt to really do something. Due to calls and threat’s from these people I develop High Blood Pressure. Please shutdown all operations.
All these online loan app should be ban asap,a friend of mine almost commit suicide because of them, ranging from calls to message to sending her picture to her contact that she is a criminal….. They are making life unbearable for people to life, and tarnish there image makiny them feel they have no hope.
I started taking loan early last year and up till date I could not stop because the interest was too high that I couldn’t.when I pay I can’t meet up the amount I haveto sell something to pay later it got me to the extend that I have to collect from another app to pay the due one.i sold all what I have right now am in pain over my asset this loan all most took my life. thank God government intervene I thought I was the only one that’s is suffering didn’t know we were many I didn’t know I have been working for them some time the call even before due date please this loans should stop to exist
M a new mom entering depression becos of defamatory messages, uploading my picture and calling my contacts,BanAllLoanApps😭😭😭😭😭😭🙏
My loan on gocash was due 3days ago, I have not been online because I lost my phone and SIM only for me to get back online yesterday and saw messages from some my contacts with my picture that someone sent the message to them that am wanted and a thief. I message the number today only for them to still send another to other of my contacts. I don’t just understand why they’re behaving like this and they don’t have an office in Abuja because I’ve check for that to go see them. Please if there’s a way to get to this people called gocash, please Someone should let me know. Thank you
WHY I BORROWED AND WHY I WILL NOT PAY BACK.
I don’t like borrowing anyways, but on this faithful day. I needed money to update my travelling passport. Then I recalled loans apps adds that I see online. I tried one (name withheld) on the app, I was to be giving 120000 (one hundred and twenty thousand). After filling out the forms and giving my bank and even ATM details, the next thing I saw was “YOU ARE QUALIFIED FOR #6500 ! What? From 120 to 6000? After giving you even my bank details? Okay, I will collect the 6500. To meet up how much I needed, I went to another app. They did same thing and after all the procedure I was worth just 3700. Frankly, as I type here I am owing 13 loan apps. The second people that gave me 3700 for me to pay 5200 in 7 days time called me a day after I took the loan. The lady said she wanted to remind me that my loan will be due in 5 days… I tried to correct her that it will be in six days, she insisted that it’s 5 days; she continued, and Mr Michael, the way you have started, don’t bring any story when the 5 days are due ‘cos we will contact all your contacts and post your pictures on all social media platforms and publish all that you are on the national dailies. I laughed. That was what spikes my devil. Constant calls from them and many others when the loan is far away five days due. Many I wanted to return their money. But one of them spoiled the show. They edited my picture with a letter head “WANTED FRAUDSTER” enh! And started sending it to my Whatsapp contacts. People were calling me to know how, many were shocked and couldn’t hold it and quickly reach out to me. When I explained to them what happened and why they see that picture, some calm down and keep their trust in me. I am not a fraudster, I am as clean as anything. It was so unfortunate for the loan apps that everyone around me trust and believe me to a point that no black mail will paint me black. When my contacts would call me, I will tell them straight to expect more from many others, cos I borrowed from many. I WANTED TO PAY, BUT THEY WENT TOO FAR. IF I PAY THEM NOW, WILL THEY GO AND DELETE THE IMAGE OF ME THAT THEY HAVE PAINTED ON MY ASSOCIATES MINDS?
The loan app in ths country is nothing to write home about. The best thing is to avoid colleacting money and just keep praying God to make away for you to be able to sustain your self and your family.
Good Day *Damilola Rukayat A.*,
The Nigerian Consumer Protection Commission (NCPC) has reached a solid agreement with the independent Corrupt practices and other Related Offences Commission including The National information Technology Development Agency and The Nigeria police force that all customers owing all loan application is expected and mandatory to pay the principal amount and 70% of the overdue charges.
We instruct all Nigerian that is owing them to do as we agreed with them or proper litigation will be proceed against their customers.
Note that the presidential task force is now involved with the regulations of their activities.
Name of long overdue customers will be published across all social media and national publication commission will be published on DAILY NEWS PAPER 📜📜
SIGN BARR. O. KOLAWALE
They sent me this today
If you see how ninecredit threatening me, is as if i took 20k from them they are telling me they will post my picture all social media. And me i will not kill myself over 12k i borrowed from them so they except me to borrow 12k and pay back 20k within a week.
Good Day *Damilola Rukayat A.*,
The Nigerian Consumer Protection Commission (NCPC) has reached a solid agreement with the independent Corrupt practices and other Related Offences Commission including The National information Technology Development Agency and The Nigeria police force that all customers owing all loan application is expected and mandatory to pay the principal amount and 70% of the overdue charges.
We instruct all Nigerian that is owing them to do as we agreed with them or proper litigation will be proceed against their customers.
Note that the presidential task force is now involved with the regulations of their activities.
Name of long overdue customers will be published across all social media and national publication commission will be published on DAILY NEWS PAPER 📜📜
SIGN BARR. O. KOLAWALE
I got these, this morning
Am scared of my life not be blackmailed by this loan app. I was even told they don’t care if I go and steal to get them paid. I was told even if I die, my family will pay up my dept. But I told them the moment my pictures are out to my contacts, they should forget there money because I can’t leave with shame and still come back to pay . Federal government should do something on how our privacy is been ivaded
I am a victim of these loan apps, from 9credit,I started collecting loans from other apps to pay bck 9 credit since the lockdown I lost my job….. I have always cleared them, just these few days I couldn’t meet up because i was robbed, every single thing I had, I keep getting threats from them…. Right now I don’t even know what to do… Bcz I’m entering a state of depression and I can barely think straight😭😭😭
They are all thieves…….but my question is can they ask cbn to block my account if I refuse to pay because dis people has called everyone on my contacts list and declare me wanted
Fairmoney loan is even far worse.
How would you give #120,000 to pay 154 in two months and before the two months it has started adding #400 daily and within 26 days of loan its already #158,000.
Fairmoney should be automatically shut down.
This people are killers, they want to destroy me, even after paying part payment, they kept on sending my pictures and my contacts messages, they keep threatening me .. since they’ve decided to post me I’m not paying a dime , hv been depressed.. they want to kill me .. I had to switch off my number .. so they won’t get in touch .. I hv high blood pressure… the government should ban them all 🙏🏻🙏🏻People are dying everyday .. but this time I’m Ready for them
I borrowed money to pay my children school fee I paid part payment and before I know dy started posting my picture to my colleagues,boss, neighbor and family.i was sacked by my supervisor I haven’t gotten any job if u need me to take you to aje loan company I know them dy really disgrace me
Stupid people
I pray is not too late for you all
These loan companies are currently making me go through a traumatic experience. For God’s sake, I have been working with some of them since last year October but just this month because I defaulted paying them due to a financial down turn with me, they keep threatening me, calling and forwarding messages that can cause ruin to my reputation to my contacts… These apps are not considerate at all. They do not have any customer relationship. 9credit which is one of the apps I’m talking about right now even sent a message with my photos on it stating “wanted” like I’m a criminal. These people are not friendly at all to their customers but when they are advertising their products, they appear otherwise.
Please and please, they all should be scrapped from the Nigeria lending companies. They don’t deserve to be in existence. Please play store should also delete them from their platforms. Amongst all these done to me, up till this moment, they keep debiting my account without my consent even till this moment. That’s hos they debited some money sent to my account the other day and these money doesn’t belong to me. Please the appropriate authorities should intervene and come to the aid of Nigerians. Please. Thanks
This loan apps should be ban seriously. They talk to you like trash,send messages to your contact involving you family, put up your banking details in public. Give you threats enough to throw you into depression, Lcredit, easy moni, easekash easy cash, cycle cash, bell loan abc loan, de loan, snappycredit,cashsea mint loan, lone personal,loan niara,kashkash, gokash 9credit trueniara angel loan Io money. Zuma cash Happy loan next credit and so on
i am also one of this fake loan company victim their threat can make someone to commit suicide.
fast cash their interest rate is 50% for 7days they don’t have contact number and address
cashmall
9jamoney
easyloan
fairmoney
kiakia loan
nextcredit
nairacredit
sokoloan
Renmoney
etc 9jamoney recently debited my account is a Zenith Bank Account about 46000 naira without my consent they use POS Machine to debit the money from my account and Zenith Bank said they cannot do any about it, they are many, government should please ban them before most people we continue to commit suicide because of this useless people.
All the loans apps should be bound period . Its really bad.
Let them be folded off I am a victim
Government should do something About it Nigeria are drying everyday with all this loan app
Virtually everyone has same story. This loan apps are fraudsters. Their interest rate is so high. The end result is double the problem which made you borrow from them in the first place. Fairmoney and Branch are the only loan companies I can give 7 out of 10. The rest should be shut down.
Lcredit…keep sending messages to my contacts.wallahi i dont care.since youve decided to send defamatory messages to my contacts then consider it as THE END OF THE DEAL,Im not paying a dime.You hqve gotten your repayment by sending messges to my contacts
Yes FGN have to banned all this apps and they are threats citizen of Nigeria more than expectation,
LCcredit
GOCASH
9CREDIT
XCREDIT
CASH MAMA
Zuma cash
Uni credit
GSOU loan
Found one loan
Next credit
Deloan
FlashCash
Naira9ja
Sparkle Naira
Kashkash
Anyloan
Tloan
Angel loan
Cash mall
Easy credit
Naija credit
Max naira
Locky loan
Loan naira
Ngn Naira
Coco loan
Hcash
Ngmoney
Eveloan
ABC loan
Ease cash
Naira land
Ajeloan
OK loan
Naira land
The worst are
Loan personal
Cashsea
Mintloan
Belloan
I do not wish the govt..to ban them buh they should restructure dia module of operandi…..based on interest rate…
Ocash is the worst,
Please Government Nigerian are dying everyday bcos of this loan, Federal Government help your citizens if it is only thing you can do for us now. Nigerian are dying bcos of this online loan
I collected a supportive loan of 200k for my uncle from Fairmoney,after first payment of 131,000,we extend the following month with 31,000 and after that, we paid the Remaining money with mobile app, which was acknowledge on my mail, but the money is still on my dashboard as we speak. Despite the fact that we repay the money again making it twice because we are the at point of bank loan disbursement, so they said we should go and repay with the accumulated interest before the loan will be approved. And we repay again, the money still Remain as we speak and we lost the money.. Fairmoney, they are the worst among them all thief ole
I’m at the point of committing suicide now. These loan apps have really disgraced me, they’ve given me another name. Alot of people are dying everyday because of these loan apps. No one intends not to pay but the interest is killing everyday. Imagine someone that paid almost #60,000 thinking they would increase or lend her almost the amount she paid, just to find out that the amount they could offer next is #10,000. Deduction of #50,000. Truenaira added #2,800 late fee per day😭
Even if they like, they should text/contact my ancestors, I won’t pay them a dime again, they are all thieves. How will they give you loan with a very high interest and expect you to pay within one week (7 days), then when it’s overdue they keep adding more money daily. They have contacted almost all my contacts and embarrassing me. Imagine loaning me 24k and expecting me to pay almost 36k within one week, I was able to raise 30k and they refused to accept it, they have made my life a living hell, but I am ready for them.
The government can’t do anything about it, let’s me ask you all this question, can a thief expose thief? If no then bribery as taken over the issue, government knows fully who they are so they can’t do anything about it, can someone order the arrest of himself knowing fully well the crime he committed, please what am seeing is disasters behind all this drama at the end 👌👌👌👌
Most of all this loan apps are nothing but riffraff and golddigger, when collected a loan an unable to pay it back at the date the problem started, the will disturb your life with calls and series of bad messages, I remember collection loan from palmcredit 21500 and to payback within two weeks but unfortunately I didn’t meet up the date, and the loan was 9days overdue when I login to pay the money, the loan has been increased to 39000….
Their are many loan apps like such as
Opay
Lcredit
Palmcredit
Anyloan
Xcash
Including fair money also the loan interest in something I can’t explain…
Honestly, this is degrading.My own experience is not so different from others. I collect a loan to use for my childs school fees(50,000) I have paid this money till it remains 4,750 which i could not really pay much attention to cause lost my mother,while in this trauma, i explained to them to give me little time,as they can see am almost thru with my payment. But nooooo. They went online,my watsapp sent messages to all my contacts including my sons school teachers and principals, my pastors and and my place of work to not associate with me and that i cant be trusted with funds. Due to this, i lost my job just because of 4,750 Naira. Lcredit and cashlion are terrible loan app shark. Calls starts from 3,5 am to 12 am for me, no peace of mind,i lost my mother,lost my job life became unbearable. Still thia people careless,all they want is thier money. They sre really agent of destruction. Government should please come to our rescue.
How on earth will everyday overdue charges will be #1,100 dis is killing act,alot of ppl av committed suicide because of accumulated overdue charges ,dey rush to you for financial help,your company added to their problem,and eventually lead to death.I av a friend she almost kill herself because of dis online lending issue.
Collecting a loan when you know you do not have the means to repay back is you being wicked to yourself and showing your lack of integrity. What do you expect? To take the loans from these lending platforms & not repay? All of these loan apps has their terms & conditions stated on the App & you are advised to carefully read to understand what you are going into. They ask you to allow permission to your contacts & you do. Nobody forces you to do that. They even call your listed emergency contact to confirm if you are capable of repaying back the loan & apparently they all agree & attest that you can pay. Then when it is time to pay you default & expect to go scot free? Nigerians are by default dubious by nature. It is in all Nigerians DNA to be fraudulent & dubious & that is why We are not trusted by other developed countries. 90% of Nigerians lack integrity. You applied for a loan from the comfort of your home. No collateral & no guarantor, yet the loan is approved to you. What else is trust? These people give us a loan on the basis of trust even if they know we Nigerians cannot be trusted. What do we do in return? Report them to our Govt agencies. Do you know what the agencies do? They visit these loan companies and collect envelops full of money. Mind you, our Govt will never give us loans. They only give loans to the elites & bourgeoise. Keep reporting the helpers who meet us at the desperate point of our needs.
I have been victims of sokoloan merchandise, Rock financials(Anyloan and Angel) even going as far to posting my pictures and BVN to friends and families on whatsapp, via sms labelling me a scammer for a day default.
These actions also cost me my job as of December last year(2021) as my employers took the false allegations seriously and hence laid me off for not representing the companies image well.
I will advise anyone out there to desist from these loan sharks. I equally noticed that whatever I do with the money always crashes.
Federal government should please do something quick to put an end to these situations. A lot of people are really going through a lot with these fintech fraudsters.
Am a victim of this loan app, am not proud to say am a debitor but there are some times life throws you in a very tight and hard situation, I borrowed money from loan app to pay my tutuin fee. And I most tell you have not been able to breath the harassment it has cause me alot. One time I almost fell into depression. Cause they were literally destroying my image. I know a few loan apps that needs to be ban
Mint loan app.
Bell loan app
9credit
Ncash
Easy credit
Ease cash
Etc
This people use dubious means to collect money from their customers and they percentage is very high. Imgain being charged 1000 for late payment everyday.
Please, the federal government should ban all the loan apps in Nigeria because they are all scammer and frauds. I happened to be a victim of the loan apps too, it even cause a rift between me and my wife presently and family members because of their viral image tarnishing and defamation messages. I will be glad if they (all the loan apps in Nigeria) can be ban/regulated or shut down for good.
The government should ban and shut the whole app down because these people will lead many Nigerians to their early grave without doubt, am a victim as am typing I credit, naira plus easy credit e.t.c have made life difficult for me as they add more than #1,000 to my overdue payment every day so no matter how am trying to clear them it’s seems impossible as a loan of #20,000 with #8000 interest for 7 days has now reached #50,000 plus with series of a daily threat messages, I have pleaded with them to stop adding for easy payment but they won’t respond to such plea a proper sanction and total shut down is the only option because they’re no going to stop this victimization
they have extorted too much from us they’re wicked heartless and lawless activities
99.9% of the loan apps in Nigeria are fraudulent,except Fair money.
The rest should be totally banned.
They are scammers,all there intents is to defraud vulnerable Nigerians and government must stop them ASAP.
Good day, kindly inform Bose Mary Odipe 7060408359 ₦8441 of his/her loan repayment to avoid embarrassment because he/She has been acting fraudulent. thanks.
This is the message they’re sending to my contacts
Please Governments, help stop all this loan app in Nigeria. Most people has committed suicide due to this kind of harrasment caused by the Illegal loan app in Nigeria, most has lost there job and their families because of this.
My life also almost ruined and I almost commit suicide because of this people, but I thanks God for my life.
Let’s Unite and stop this people for good cos United we Stand Devided we Fall Thanks.
090120135660 creditAll agent…+62 813-8640-9031 Unique money agent…+234 912 180 7745 easy credit whatsapp no agent…+234 906 951 9187…cash sea agent…+234 907 684 2185 icredit agent …+2349120135748 nextcredit agent…+234 9040410313 Lcredit agent…+2348144599497 Bell loan agent…+2347066634884 Deloan agent…
This so called online loan apps re so wicked nd also can let someone to commit suicide, i was borrowed 24k to paid back 32k from LCredit for 7days duration, i was on sick bed wen my loan due at january nd i was not informed then they started calling nd sending messages to my contacts dat i ran aways wit company money dat i was declared wanted nd also i escaped from HIV centre…till now i refused to make their payment bcos they ave accumulate d money from 24k to 75k now,pls who does that i ave even ave their number including MONIcredit agent number (07063719357…Mr Gozi tro2 truecaller)…
As at today all these lending companies that are shut down are still sending threaten messages to customers that fall victims.
Federal government should as a Mather of urgency put an end to all this online loan app. I’m a victim of sokolending app. With there outrageous interest rate you have to pay back within 7days. Most of These loan app have more than one apps some up to 5 different apps they exploit people with. Some even go to the extent of publishing obituary poster of people that couldn’t meet up with thire payment. Government should deal with this people severely. One of my colleagues salary got swept off twice because they have all your bank transaction details.
Yes! Let fg freeze all them and not only that but arrest all of them .. them are thieves..
I was ripped off 20,270 today from Okash with my knowledge..
Not only that.. 7270 from easycredit..
Thieves!!!!
And I can’t even able deleted my account information again once it inserted
THIS IS TO NOTIFY YOU THAT YOUR LOAN IS DUE BY 8am ; WE ARE GIVING YOU TILL 12PM TODAY THE 13th OF MARCH 2022, TO MAKE THE FULL PAYMENT TO US AT NCASH: THROUGH THE STERLING/WEMA BANK ON YOUR APP, OR ELSE WE WILL POUR THE FULL WRATH OF THE LAW UPON YOU. WE PROMISE TO TAKE THIS CASE UP WITH YOU IF WE DONT GET THAT PAYMENT BY THE STATED TIME ABOVE.YOU HAVE PUSHED US TO THE WALL BY DECEIVING OUR AGENTS!! IF YOU DONT WANT TO SUFFER AND SPEND THE REST OF YOUR LIFE IN POVERTY OR IF YOU DONT WANT CALAMITIES TO BEFALL ON YOU,YOUR BUSINESS,CHILDREN OR JOB OVERNIGHT, OR THE CURSES THAT FOLLOW DEBTORS IN BIBLE AND IN QURAN WILL NEVER DEPART FROM YOU , YOU BETTER REIMBURSE YOUR LOAN ON BEFORE 12PM. YOU HAVE PROVEN TO LACK INTEGRITY AND NOT TO BE TRUSTED WITH OUR MONEY, AND WE WILL MAKE SURE TO DEAL WITH YOU ACCORDINGLY. PLEASE DONT PAY BECAUSE WE REALLY WANT TO MAKE A SCAPE GOAT OUT OF YOU TO THE GENERAL PUBLIC, THIS WE PROMISE YOU SWEARING BY THE MOTHER OF THE LAW WHO SEES NO PREFERANCE AND ALWAYS JUSTICE MINDED..NCASH
I got the above message from Ncash this morning..
Please I plead to the federal government to put an end to all this loan sharks. They are thief.
Yes ,plz it’s high time they are banned. Am also a victim,collected loan from palm credit and the interest is half of what I collected.everything become tough for me cause I had to travel for my dad burial….they sent me serries of disturbing messages and also sent to my contact saying am a chronic debtor on the run, and I already made payments for the first 2 months o
I think it’s better government should close down all online loan app in Nigeria…there interest is Killin and if you don’t pay in time they went round sending messages to your contacts it’s jus unfair..how can dey loan u 29k to pay bck 37k in jus 7days.??they are criminals pls..dis getting out of hand it’s better government barn dem
This people have not stop their act by calling their customer chronic debtor,violating their privacy and breach of contract I will be happy if government will help us banned them for life
Thanks
Please I plead to the federal government that something should be done fast, because this people really tarnish my image after paying some amount of money as a commitment,yet they still went ahead to send messages and destroy my reputation.i sick through out there threat.those evil online loan app I come across are vcash,gocash, fastmoney,9ja cash,deloan,cyclycash,9credit and so on but have settled my debt.pls our Good president I plead that all this online loan app should be shutdown permanently pls Nigeria are dying in their hand and also their interest for 7days are more than 50% and making life so unbearable for their customer they worse than devil.
This ppl are so bad 😭😭😭😭😭 even nigeri is owning money most expecialy @lcredit @okahs @esimoney this ppl can kill person with there treating pls government should band them, for not letting ppl to fall in to victims
I am a victim of this lending apps,my issue seriously need attention,i borrowed from three companies,shortly after a month the covid pandemic began and i lost every financial steps i took
I received numerous phone calls and WhatsApp messages every hour from the companies, threatening me and my family members and my friends and relatives.
The worst part of it is that,they normally debit my account when ever they want without my approval,they normally debit my account when everyone is asleep in a midnight,.they keep doing this everytime.One of the attendants insulted me.
I wish to tell the government to look onto this matter seriously.
I am also a victim. Cha Cha loan company borrowed me #7000 and a day to the due date, they sent my picture along with my BVN to all my contacts that I’m a wanted cyber scammer. I have not been myself since then because of this defamation. My BVN is posted on social media for public consumption… Hey God!
The loan Apps violates all the laws of Nigeria, the interest is very high,I was a victims, the loan was overdue, 9credit send messages to all my contact threatening my life, they disturbed, inconvenience me I repays the loan by force, if the government will allow them to continue their Business they must respect the Debtor.
Lcredit is one such loan shark,I collected their loan to repay back on the 4th of march 2022,I transferred the sum of #28,700 twenty eight thousands seven hundred as agreed on the due date,they did not accept the payment with series of chat with their customers care receipt of transfer to their account ,yet the are still sending messages that my loan has overdue and I should repay the overdue charges
Sokoloan via 9jaCash, FastMoney, Vcash, Sokoloan, GetCash continue to breach customer rights and privacy
I’m also a victim…Imagine this people sending messages to my contacts that I collected loan with my family members to feed them, called me a chronic debtor, criminal on the run….went as far as insulting me, “you this bastard….you are very mad….your death is coming, watch out”
Please ban them so that others will not fall victim….the threat is just too much
Am a victim of lcreadit I borrow 37000 from them since I can make up with the payment it has increased to one thousand plus with alot of swear time to time from there maneger
I m a victim of this loan apps company, intact, Since I collected loan from them and was unable to pay back, its been threats upon threats even with their high interest rates.They have left me with a psychological breakdown that I began to feel like committing suicide
I suggest that this app company be banned for good at least if it were not there I would not have attempted or not applied for a loan