Please let's take note of the following :
1. No loan app have the authority to come to your house, no matter who they are
2. Loan default is not a criminal offense and as such, defaulting on a loan Repayment is not a crime.
3. Repayments and patronage to loan sharks and illegal money lenders is a crime on its own.
4. There is nothing fruitful that can be done with money gotten from loan sharks. You either use it to treat one sickness or buy food or solve one problem or another. The money they give is never enough to start a business and even if it is, the interest rate on top will choke the life out of the business.
5. No loan firm have the right to abuse, harass, embarrass, defame you or ridicule you especially to your contacts or 3rd parties over your loan default.
6. It is a criminal offense for loan firms to expose your information especially bio data and financial details such as BVN, account details, NIN etc to 3rd parties
7. It is a criminal offense for loan firms to edit your pictures obtained through the access you grant them in the process of obtaining a loan.... It is a crime for them to edit such pictures with derogatory comments such as infected with HIV, rest in peace, husband snatcher, etc
8. It is a criminal offense by loan sharks to solicit for funds on your behalf from your contacts with express permission from you. It is called obtaining money by false pretense.
9. You are well within your right to boycott payments to any loan firm that have defamed you or exposed your data(which you gave them in confidence) to 3rd party without your express permission.
10. It is illegal to obtain loans from registered money lenders without the intentions to repay them. You can be jailed for it.
Know your rights today.
If you are a victim of the above, do well to send an email to the authorities with the email addresses below.
Send the email with evidence of the indiscretion of the loan sharks.
Your evidences should / must include or reveal the following if possible :
1. Real names of the loan agent.
2. Name of the loan agency or company
3. Date of the loan collection, repayment dates and interest rates
4. Date of defamation
5. Screenshots of defamation messages
6. A few numbers that received the defamation messages.
7. Threats and abuses of the loan agents to you or your family members.
8. Any other information that can help the authorities bring these people to justice.
The email addresses to send the message to are below :
info@nitda.gov.ng
contact@fccpc.gov.ng
lenderstaskforce@fccpc.gov.ng
cpd@cbn.gov.ng
ethicsoffice@cbn.gov.ng
info@icpc.gov.ng
info@efcc.gov.ng
info@efccnigeria.org
info@statehouse.gov.ng
Ensure you copy the email address of the defaulting loan company so they will know you have taken an action against them.
For example, if you are reporting soko loan, when sending the emails with evidence, make sure you copy soko loan email for them to know you are reporting them.
The government must do more to protect its citizens and a permanent ban must be placed on all illegal lending homes.
We will win this fight......
--Chris Marion
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