A001:

Poor countries where politicians steal public funds regularly in billions of naira. Have you seen such a "poor country" anywhere in the world?

Roland17:


Debt collection is a civil matter, not criminal. Legally, even the Nigerian Police have no right to be involved in loan agreement issue between 2 parties because it is a civil matter that is adjudicated primarily by the court. The problem is, Nigerians don't know the law and how to protect their rights.

There is a process for loan collection as established by the law. There are due diligent steps that must be taken by creditors to recover their loan even before they approach the court. Palmpay infringed on a lot of that guy's rights with their unconstitutional actions. Also, no written agreement overrides a citizens constitutional human rights, absolutely none, it is universally accepted! This is why I say many Nigerian companies are taking advantage of people/ workers with ridiculous actions.

If this was the US, lawyers for don dey blow up this guy phone with calls and texts because this is an easy case!

Itsrm:


You'll be surprised what palmpay has carefully hidden in fine print.

Something along the lines of "You are waiving your rights to institute legal action against palmpay or any of its associates."

I just wonder what they will do after arresting him. I don't think there's any law that prescribes jail term for a debtor.

afrodoc2:


There is nothing in fine or ugly print that can trump a citizen's constitutional rights. Lending someone money under the condition that he waives his rights is even illegal. Palmpay must pay. Dey don enter one chance.

Palmpay must pay

seankafor:
https://twitter.com/Sports_Doctor2/status/1666466876354883585?t=HS2sh61R3f5xUw4szjoWzA&s=19

I think 💬 truly life no balance

Roland17:


Debt collection is a civil matter, not criminal. Legally, even the Nigerian Police have no right to be involved in loan agreement issue between 2 parties because it is a civil matter that is adjudicated primarily by the court. The problem is, Nigerians don't know the law and how to protect their rights.

There is a process for loan collection as established by the law. There are due diligent steps that must be taken by creditors to recover their loan even before they approach the court. Palmpay infringed on a lot of that guy's rights with their unconstitutional actions. Also, no written agreement overrides a citizens constitutional human rights, absolutely none, it is universally accepted! This is why I say many Nigerian companies are taking advantage of people/ workers with ridiculous actions.

If this was the US, lawyers for don dey blow up this guy phone with calls and texts because this is an easy case!

afrodoc2:


There is nothing in fine or ugly print that can trump a citizen's constitutional rights. Lending someone money under the condition that he waives his rights is even illegal. Palmpay must pay. Dey don enter one chance.

Roland17:


Una sure say na the same crude oil wen we dey use brag for naija, abi their own get golden version?

Itsrm:




But I have read of cases where a powerful and rich man rapes a woman, pays her off and and makes her sign an agreement not to institute legal action in the future

I just thought that something similar may have played out here.

Roland17:


Courts reviews NDA's and it's appropriateness and that is why people like Epstein are having their dark acts exposed. NDAs have very strict terms and if there is no balance of power between the parties, the court will strike it out. What is the state of the victim, age, cognition and was the use of force/ threat used etc. NDAs must be mutual and that is where the balance of power comes into play.

Also, in the US, I know for sure, certain States do not admit NDAs if it related to rape, sexual and domestic abuse. Infact, now, NDAs are illegal in the work place when it has to do with rape or any kind of sexual harassment/ assault case in the US. NDAs do not mean the victims can't report the crime. They can report the crime and allow the justice system take it's course without being primarily involved.

The example you used above is a good ground for the court to terminate the NDA because of the balance of power.

TrebleChamp:
But commercial banks don't go after debtors like Palmpay do...

Itsrm:


Interesting. I don bookmark this.

Learning truly never stops till the day we die

Itsrm:
If you have anyone who recently finished NYSC and not above 27/28 years who is job hunting, send me a DM with the person's CV.

I am only helping the person submit the CV, I don't have any influence over the selection process.

larride:


Any preferred course?

izzou:
In Nigeria, everything goes.

I no blame Palmpay sha.

https://www.nairaland.com/7717713/moment-palmpay-agents-arrested-debtor

Itsrm:


You'll be surprised what palmpay has carefully hidden in fine print.

Something along the lines of "You are waiving your rights to institute legal action against palmpay or any of its associates."

I just wonder what they will do after arresting him. I don't think there's any law that prescribes jail term for a debtor.

Roland17:


Debt collection is a civil matter, not criminal. Legally, even the Nigerian Police have no right to be involved in loan agreement issue between 2 parties because it is a civil matter that is adjudicated primarily by the court. The problem is, Nigerians don't know the law and how to protect their rights.

There is a process for loan collection as established by the law. There are due diligent steps that must be taken by creditors to recover their loan even before they approach the court. Palmpay infringed on a lot of that guy's rights with their unconstitutional actions. Also, no written agreement overrides a citizens constitutional human rights, absolutely none, it is universally accepted! This is why I say many Nigerian companies are taking advantage of people/ workers with ridiculous actions.

If this was the US, lawyers for don dey blow up this guy phone with calls and texts because this is an easy case!

Theflint1:
Lol, this is gangster as fvck.

Roland17:


Debt collection is a civil matter, not criminal. Legally, even the Nigerian Police have no right to be involved in loan agreement issue between 2 parties because it is a civil matter that is adjudicated primarily by the court. The problem is, Nigerians don't know the law and how to protect their rights.

There is a process for loan collection as established by the law. There are due diligent steps that must be taken by creditors to recover their loan even before they approach the court. Palmpay infringed on a lot of that guy's rights with their unconstitutional actions. Also, no written agreement overrides a citizens constitutional human rights, absolutely none, it is universally accepted! This is why I say many Nigerian companies are taking advantage of people/ workers with ridiculous actions.

If this was the US, lawyers for don dey blow up this guy phone with calls and texts because this is an easy case!

Itsrm:
If you have anyone who recently finished NYSC and not above 27/28 years who is job hunting, send me a DM with the person's CV.

I am only helping the person submit the CV, I don't have any influence over the selection process.

Agadinaagwuofe:


The bolded are true but not always true. Some loan and debt collection has criminal angles to it depending how the loan was packaged to the debtor. Most commercial banks asks the debtor to sign post-dated cheques prior to granting them the loans and like a man begging his girlfriend to put only the cap during konji most of them will willingly sign and when they default, the bank throws in the post dated cheque and immediately it goes to clearing and comes back as null cheque that becomes criminal and police will be involved to pick the debtor and charge on criminal grounds. Again debtors can be charged on the grounds of abscondment which is a criminal offence if they fail to be showing up at their given address.

My point is, sometimes it's not because Nigerians don't know their right, it is partly because many Nigerians have bad loan culture and have sworn to be "chronic onigbese" that will not even pay even if his chi appears to him and tell him to go and pay. So when the birds learn how to fly without perching I am sure the hunter will adjust to shooting without missing. Emphasis should be let the debtor try and pay and people stop collecting loans they can't pay, as long as many Nigerians do not pay most of their debts loan disbursement plans will always have a way to side-step their constitutional rights.

I doubt the video is real because I have seen palm play denying that but again even if the guy decides to go the legal way I am sure there "might" be grounds he will lose out that's if it's commercial bank that's involved.

Agadinaagwuofe:


The bolded are true but not always true. Some loan and debt collection has criminal angles to it depending how the loan was packaged to the debtor. Most commercial banks asks the debtor to sign post-dated cheques prior to granting them the loans and like a man begging his girlfriend to put only the cap during konji most of them will willingly sign and when they default, the bank throws in the post dated cheque and immediately it goes to clearing and comes back as null cheque that becomes criminal and police will be involved to pick the debtor and charge on criminal grounds. Again debtors can be charged on the grounds of abscondment which is a criminal offence if they fail to be showing up at their given address.

My point is, sometimes it's not because Nigerians don't know their right, it is partly because many Nigerians have bad loan culture and have sworn to be "chronic onigbese" that will not even pay even if his chi appears to him and tell him to go and pay. So when the birds learn how to fly without perching I am sure the hunter will adjust to shooting without missing. Emphasis should be let the debtor try and pay and people stop collecting loans they can't pay, as long as many Nigerians do not pay most of their debts loan disbursement plans will always have a way to side-step their constitutional rights.

I doubt the video is real because I have seen palm play denying that but again even if the guy decides to go the legal way I am sure there "might" be grounds he will lose out that's if it's commercial bank that's involved.

Agadinaagwuofe:


The bolded are true but not always true. Some loan and debt collection has criminal angles to it depending how the loan was packaged to the debtor. Most commercial banks asks the debtor to sign post-dated cheques prior to granting them the loans and like a man begging his girlfriend to put only the cap during konji most of them will willingly sign and when they default, the bank throws in the post dated cheque and immediately it goes to clearing and comes back as null cheque that becomes criminal and police will be involved to pick the debtor and charge on criminal grounds. Again debtors can be charged on the grounds of abscondment which is a criminal offence if they fail to be showing up at their given address.

My point is, sometimes it's not because Nigerians don't know their right, it is partly because many Nigerians have bad loan culture and have sworn to be "chronic onigbese" that will not even pay even if his chi appears to him and tell him to go and pay. So when the birds learn how to fly without perching I am sure the hunter will adjust to shooting without missing. Emphasis should be let the debtor try and pay and people stop collecting loans they can't pay, as long as many Nigerians do not pay most of their debts loan disbursement plans will always have a way to side-step their constitutional rights.

I doubt the video is real because I have seen palm play denying that but again even if the guy decides to go the legal way I am sure there "might" be grounds he will lose out that's if it's commercial bank that's involved.

seankafor:
what kind of work? Any preferred course?

Itsrm:


This post reminds me of something. A security man when I work heard GTB gives loans after 6 months to salary account holders. He moved his salary account to GTB.

After 6 months, he tried applying for a loan and was denied. Went to the bank to find out what happened and they told him he had an unpaid loan with Fidelity bank.

He went to Fidelity, repaid the loan, collected letter of indebtedness, tried applying for the loan again and he still wasn't granted.

He went back to GTB and they confirmed he has other unpaid loans with Carbon, Lcredit, Fairmoney and one other app I can't remember now.

When I asked him why he was owing so much, he said he thought he can collect the money and get away with it since the worst they can do is send messages to people on his contact list. It's not like they can physically meet him to request for the loan.

This guy is not alone, there are many others like him

DeadPresidents:


The worst one i met was a nigga who refused to pay Aella Credit 70k loan but had funds to buy tear rubber everything. Nigerians are terrible people to do credit business with.

Itsrm:


This post reminds me of something. A security man when I work heard GTB gives loans after 6 months to salary account holders. He moved his salary account to GTB.

After 6 months, he tried applying for a loan and was denied. Went to the bank to find out what happened and they told him he had an unpaid loan with Fidelity bank.

He went to Fidelity, repaid the loan, collected letter of indebtedness, tried applying for the loan again and he still wasn't granted.

He went back to GTB and they confirmed he has other unpaid loans with Carbon, Lcredit, Fairmoney and one other app I can't remember now.

When I asked him why he was owing so much, he said he thought he can collect the money and get away with it since the worst they can do is send messages to people on his contact list. It's not like they can physically meet him to request for the loan.

This guy is not alone, there are many others like him