How to stop loan apps from accessing my contacts (2022 updated).
Loan apps have been helping people solve their financial issues for years now.
Recently, there have been a series of complaints from people who borrowed money from loan applications about how this app called and harassed them to pay back their loans.
Anyone who borrowed a loan from one of these online loan lending apps should keep in mind that he or she must repay the loan in order to avoid future damage from the depth.
We made this blog post for those who borrowed a loan and later paid the money back, but the loan app is still harassing them to pay the money back again due to an error in the loan app server.
We do not in any way encourage users to borrow money from an online loan app without the intention of returning the money back.
I would endeavor to read this article till the end as all the information provided here will be very helpful for anyone who wishes to know how to stop a fake loan app from sending messages to their contact.
Can I block a loan app from accessing and sending messages to my contacts?
Yes.
You can block fake loan applications from accessing your contacts and sending them messages.
If you borrowed a loan from a loan app that threatened you in violation of the FCCPC act, you can block the loan app from accessing your contacts, but make sure you have paid the loan back first to avoid further damage.
After reading this, you will get to know how to stop these loan apps from sending messages to your contacts, how to protect your account from being debited by these loan apps, what legal action to take if a loan app keeps disturbing you, and also, a list of some of the loan apps you should not borrow loans from.
Let’s begin with our main topic here.
How to stop loan apps from accessing my contacts
For Android or iPhone users, below are the steps to follow in order to block a loan app from accessing and sending messages to your contacts. You can effectively use this method to block any loan app from calling or texting your contacts.
- Open your phone setting application.
- Locate the area marked “apps and permission.”
- Click on the app and notification.
In the next window, click on the permission.
- Click on Permission.
- Now, locate contacts, phone and SMS.
All you have to do is click on contact. On the list of apps that have access to your contacts, the loan app will be there. All you have to do is turn off the access.
All you have to do is click on phone. On the list of apps that have access to your call history and other related stuff, the loan app will be there. All you have to do is turn off the access.
locate the part marked SMS, on the list of all apps that has access to you massage, the loan app will be there, all you have to do is turn Off the access.
Also, you can archive this by the following methods.
- Open your phone settings and locate the area marked “apps and permission.”
- Click on all the apps and find the said loan app.
- All the access the loan app has on your phone will be shown. You can now deny the application access to your contacts.
This is the method you can follow in order to stop the loan app from sending messages to your contacts.
In some cases, this loan app goes to the extent of saving your contact numbers on their server, which means denying them access to your contacts will be of no use. In this case, you have to delete the loan app from your phone.
Before deleting the app, make sure that you have paid your loan, as the interest will keep on increasing even if you delete the app from your phone.
Once the app is deleted, they may not have access to contact your contacts, but with your BVN that you already submitted to them, the app may try to get your BVN blacklisted from receiving loans from any bank or any other loan app.
With this procedure, you can block any app, not only a loan app, from sending messages to your friends and family without your consent.
Can a loan app access my contacts if it is uninstalled?
Normally, the loan app can not access or send messages to your contacts when it is uninstalled.
Once you uninstall the app, all the permissions and access it has on your phone will be deleted.
The loan app can only access your contacts when it’s uninstalled if they have downloaded and saved your contacts details (e.g. your friends’ WhatsApp numbers and phone numbers). In this case, they will keep on calling and texting until you pay your Department.
If you have paid your loan and the app continues calling your friends and family, you can report them for violating the FCCPC act.
What happens if an online loan is not paid?
If you borrow a loan from any of these loan apps and you refuse to pay the loan on the due date, the application having access to your BVN and bank details may debit you the amount you owe them plus the interest if there is any.
In case you didn’t input your bank details or the money in your account couldn’t pay the loan, this loan app will try by all means to get you to pay the money.
If their treatment and harassment didn’t move you to pay them the money, you may be marked as a fraudulent civil by blogging your BVN.
Refusing to pay back your loan may also affect your visa processing if you’re trying to travel abroad outside the country as you have been flagged as fraudulent on your BVN.
If there’s proof that you want to scam the app, they might sue you in court depending on the gravity of the situation.
CONCLUSION
You cannot circumvent due diligence and expect not to have defaults.
The CBN came up with a circular in January empowering finance houses and banks to recover their loans using every means necessary as the rate of defaulters, especially in our commercial banks and microfinance institutions, has skyrocketed. And where this doesn’t work, there’s also an opening using the instrument of government where you can place a PND (Post No Debit) on the defaulter’s accounts linked to their BVN. It may take time, but at the end of the day, the defaulter will pay back your loan plus interest charges and default fees.
Loan apps may not have the luxury of time plus cost implication because their loans are below even the minimum loan threshold. For crying out loud, how does one begin to recover from $2k?
Nigerians, please stop messing yourself around. Country life is hard, we know, but which is better? To see your name published among your contact list or to not just collect these loans from loan apps, who I always refer to as loan sharks,
4k to pay 6k in 7 days. This is too much for someone that doesn’t have a standard business that can generate the interest.
And if you keep downloading these apps so as to pay for the last one you collected, it’s just a matter of a few months and you’ll be swimming in debt you may never get out of.
I sometimes collect loans from these apps when I’m down. Nobody is immune from being out of cash in Nigeria. We are all in this mess together. But try and use it with sense.
For those who have access to loans from proper finance houses, I wonder why some of you renege on a simple contract you signed off on.
A lot of people out there will give anything to access funds in the magnitude of N1m and above spread for months to kick start their dying businesses, but you are here with such an opportunity and you are messing yourself up.
Your BVN information is everywhere, and the only way to avoid the consequences of your actions is to pay your debt. Be guided.