Problem-Solution

Loan App Harassing You? Here's How to Stop It (2025)

The Problem:

A loan app is harassing you or your contacts

The Solution:

Document everything, report to authorities, and know your rights

Step-by-Step Guide

Screenshot all harassing messages, record call times, save any threatening content. This is crucial evidence for complaints.

Federal Competition and Consumer Protection Commission handles loan app abuse. File a complaint at fccpc.gov.ng or email info@fccpc.gov.ng.

Central Bank of Nigeria regulates financial institutions. Report through their Consumer Protection portal or email cpd@cbn.gov.ng.

Leave a detailed review warning others. Report the app for violating store policies. Many apps have been removed this way.

Block the app's numbers. Advise contacts to block unknown numbers. Don't engage with threats—they're usually empty.

For severe cases (threats, defamation, data exposure), consult a lawyer. Some offer free initial consultations for consumer rights cases.

Can loan apps really access my contacts?

If you granted permission, yes. But using them for harassment is illegal. Revoke permissions and report the abuse.

Will I go to jail for not paying?

No. Debt is civil, not criminal in Nigeria. Empty threats of arrest are common scare tactics.

Should I still pay if I'm being harassed?

If you legitimately owe money, you should repay—but through proper channels. Report harassment separately.

Compare loan options or contact our support team.