Don't they have an email address? You should have tried to send them an email for record purposes so that there will be evidence that you attempted to repay but it did not go through and your emails to them to sort it out were not replied. That way, no threat will be sufficient to bully you into paying any default fee.

IprintMONEY:
now wey i wan enter u, u dey sound soft? thudder fire u

Kindly unfollow me!
Why did you follow me in the first place.

Emmanuel602:


Oga stay away away from gambling

Yes sir

Nackzy:

Let me share the link, https://branch.co/download/ac72xn
Branch is the best loan app ever saying this from personal experience, pls use the link so i can get commission,
They start with lower amount as you repay they keep increasing it and very low interest

OK unfortunately I have been using branch investment, I thought it's another loan app

rosalieene:

Well, I replied the OP in another comment specifically telling him what to do to the best of my knowledge.

And you gbamming that fool's comment makes you no different from him.

He seems to be double sure.
And if he is, then amend your ways.

xpool:


He seems to be double sure.
And if he is, then amend your ways.

I do not blame you.
Don't force me to hurl insults at you this night.
Social media has really given people like you the guts.
Mtcheewww
Abeg getaaat!!!

My own piece on these loan Apps.


Try and try to avoid these apps ,if possible borrow from friends or banks who has less than 5% interest and spreadable for a longer period.
I just got my sanity back last week Thursday after 6 months ,once you are in ,u are trapped .
I operated 6 of them.Most of them have a bad customer relationship and high unreasonable interest rate ,how can I take 25k to pay 35k within 15 days .(Lcredit,opay ,palm credit ,easycredit ,quickcredit ),avoid them.some that are big don't disturb you like that (carbon ,fairmoney and co).
I have to get money from a friend to sort all of them.
Life within your budget .

MartinsD12:

OK unfortunately I have been using branch investment, I thought it's another loan app

Naaaa

Awon werey,you can request for a new card ,they won't have access to contact and auto debit ,they will call you 5 days before due date ,any smal thing ,my mind don cut cause of there call ,you can always do offline payment ,it always written to there ,you will just send a proof to one of there agent who chats u

rosalieene:

Kindly unfollow me!
Why did you follow me in the first place.

i clearly remember warning u no to quote me again. u will regret disobeying me , i swear. i know u have been running your smelling mouth with people for years, but na me go end am

tasland:
carbon all the way

I have been using pay later since 2018 before it was charged to carbon.
Reading all this comments about loan apps still baffles me because I have never experienced this before with carbon. Although I have never owe them, I pay months before the due date and they even give me bonus most times. I still have bonus in my carbon app that I can use to recharge if I need it.
You don't just collect loan without plans of paying back. You must have a repayment plan.
Some people will collect loan to play gamble.I have done that before (me and my friend) in 2018,We lose the money. You will want to play safe because you're scared of losing thereby picking some useless odd that will cut your ticket.
I later hustle and pay back the loan for both of us 2 weeks before the due date.
Most people don't like paying back loan, they only know how to collect. I have some of them as friends, any time they asked for loan, I show them loan app on play store. Some people nor even get shame, even though you embarrass them, them nor send.
Me i hate embarrassment, I can't take a loan without plan of paying back in few days or a week.

I saw some outrageous interest rates in some comment here. Is it that you don't calculate the interest before taking the loan?.
How can you collect 14k to pay 20k in 2 weeks and you accept. If the interest rate is too much, decline and check another app. Don't use your desperation to solve a problem and put yourself in more problems.

Make una dey calm down read terms and conditions sometimes, nor dey rush collect loan like that.
Observe the app rating too and read comments under it. Some loan app are useless.

EmmaLege:


dem no worst reach sokoloan and him brothers 9jakash, gocash and co

I nvr try Dem..Sokoloan sounds funny tho

IgweOfNnewi:
That is how all these microfinance and money sharks normally play their dirty games for high interest rate, I remember I needed #50k urgently and I went to Ren-Money for the loan and I told the person in charge that I will pay it back four days later that day was Friday and the end of the month but I know for a surety, my salary that was delayed will be paid on Monday, that person told me that the payment will be extended to six months and I going to pay #49k interest on #50k and that #50k wouldn't be complete, they will remove some charges on it, I was so disturbed at the exorbitant interest rate, I just left the place without saying a word.

I don't understand 49k interest for a loan of 50k I can't believe this

chiemmanuel:
if you can, report them with your statement of account to consumer protection department of CBN and NDIC , THEY WILL BE WELL SANCTIONED WITH YOUR FUNDS REVERSED

We are currently dragging it. I will do this

IprintMONEY:
i clearly remember warning u no to quote me again. u will regret disobeying me , i swear. i know u have been running your smelling mouth with people for years, but na me go end am

Mr Man, following me means that you're a FAN.
Maybe you cannot breath well without following me and mentioning me everywhere.
If you secretly admire me, stop hiding behind your childish tantrums because I see no reason why you hit the FOLLOW BUTTON.
Now I say again, kindly UNFOLLOW me.

Jamesz12:
Bros I'm currently in this yoke, please what if they start embarrassing the person through sending texts to his contacts, because that's the part I fear the most
Please I need assistance

They sent to my contacts, some called me, i told them i don't know anything of such, that it's yahoo scam, i told them to ignore but i will pay them sha

rosalieene:

Mr Man, following me means that you're a FAN.
Maybe you cannot breath well without following me and mentioning me everywhere.
If you secretly admire me, stop hiding behind your childish tantrums because I see no reason why you hit the FOLLOW BUTTON.
Now I say again, kindly UNFOLLOW me.

assume i admire your ugly face

MartinsD12:

Most Nigerians don't know this, what of migo money are they good in handling late payments?

Migo is worst, but branch won't add late fee, won't give you hell, only tell you to start paying anything you have, just drop something till you able to finish the payment

IprintMONEY:
bro dont loose ur life for nothing o. first they can give as much as 300k naira, maybe even more. i know a guy that collects 280k.
and yes a naija agebero or useless cultist can kill u for as little as 10k or 20k.
as regards tracing you, dont forget u put your exact nin info before the loan is guaranted, dont also forget they make u put on your google location before giving out the loan. these guys are new in naija. anyone that have stayed in any asian country will tell u that a chinese man will kill u for as little as 50 naira without looking back

Say what you know, how many have they sent assasins to kill

midehi2:

Say what you know, how many have they sent assasins to kill

if they kill , will the persons ghost come here to tell u he was killed?

midehi2:

Migo is worst, but branch won't add late fee, won't give you hell, only tell you to start paying anything you have, just drop something till you able to finish the payment

OK migo adds late payment fees? Do they call or disturb one's contacts too?

TheMostComplex1:


I don't understand 49k interest for a loan of 50k I can't believe this

Yes 49k interest, he told me the total amount of money to be paid back is 99k, I just work out on him

IprintMONEY:
if they kill , will the persons ghost come here to tell u he was killed?

I only ask you, how many have you seen or heard they killed

MartinsD12:

OK migo adds late payment fees? Do they call or disturb one's contacts too?

Yes, their late fee is high

I one repaid a loan late on Palmcredit. After I made the repayment offline, the loan wasn't cleared till next day. I contacted their support and informed them I won't pay the extra default that was added. They understood and cleared the default. I didn't pay for the extra default.

These loan apps charge high interest on loans. I only use them when it's very important.

Kokaine:
have you done the following

1. Training
2. Admitted by your EDI
3. uploaded your business plan
4. updated your profile with bvn
5. Done guarantorship?

Do you have any loan facility you haven't paid yet

Pls reply my email request. Paid a training school 15k for this aegsmis training since about 3 months now and they've been telling me that they're waiting for the portal to be re-opened

TheVictorious:


Pls reply my email request. Paid a training school 15k for this aegsmis training since about 3 months now and they've been telling me that they're waiting for the portal to be re-opened

I've replied

TheVictorious:


Pls reply my email request. Paid a training school 15k for this aegsmis training since about 3 months now and they've been telling me that they're waiting for the portal to be re-opened

As you can see the site has been opened and this one was done three days ago

EricSmallz:

They called and got tired now.
Just make sure you go to your app setting and disable all the permissions you granted the app at the point of registration, they will not have access into your contact list etc.

guy you na bad guys

My advice is that people should stay clear of online loan company with unknown office address and customer service lines and emails. That is a red flag.

I use Branch and sometimes Kwikpay Credit for my loan request.

I also had a bad experience with Palm credit and promised myself never to use them again after clearing my outstanding. Palm Credit still calls and sms to me, trying to entice me with their service but never again.

ekene101:
u only read dat part but didn't read where I said dey dealt with me.

It's a cycle. The issues you faced were the result of what someone else caused. The harm you've done to others, new borrowers will have to pay for it. It's a cycle