The need to obtain economic resources to solve emergencies has caused many people to fall into an unexpected and overwhelming situation.
In recent times, there have been cases of people who fell into the hands of a loan company that offers its “services” through an electronic application.
When the applicant finds it difficult to pay, the company resorts to a defamation campaign by creating a WhatsApp group with the contractor’s contacts.
Through this means, he launches various accusations against the debtor, including being related to crimes such as child pornography and human trafficking. In this way, those who have problems to pay live a martyrdom.
$3,000 loan sparks series of accusations
Hiring an emergency credit has become a martyrdom for a person identified as Carlos in recent weeks.
Accessing an electronic application, he requested a $3,000 loan, which he had to pay off in seven days. The young man says that when the deadline for repaying the loan expired, he did not have the full amount.
Faced with a first message about his late payment, he informed the lenders that he did not have the resources to pay, but the next day he could deposit half the debt and later pay it off.
However, he was told that he had until two in the afternoon to make the payment. They kept sending him messages throughout the day, but since she didn’t have the money, he didn’t answer them.
Thus, 15 days passed, and when he contacted them to reach an agreement, they told him that he had 15 minutes to pay off the debt, which had already risen to $6,300 due to interest. Carlos told them that he could only pay half, but again they refused and demanded full payment.
It was then that the panorama became more complex and difficult: 10 minutes later his girlfriend called him on the phone to ask him if he had already seen the WhatsApp group they created with his contacts, which they apparently accessed when he downloaded the application.
He immediately checked his WhatsApp account and saw the group, in which they accused him of child pornography and selling his daughter to pay off his debts, warning them to be careful with him because he is a “pervert.”
Immediately his contacts began to send him private messages asking what was happening.
They reject relationship
He sent a message to the application in which he applied for the loan to ask if they created the group, but they answered no, that they only work in the application to grant money and follow up on customer deposits. They pointed out that they did not care if he engages in child pornography in his spare time, even though it is a crime.
Carlos had already sent a message to the administrator of the WhatsApp group in which they were defaming him, who denied being part of the lenders, but upon reaching an agreement with the loan grantors to return half of the debt that day and at seven days the other half, they stopped sending messages in the group.
Since he left work at three in the afternoon and the deadline to make the deposit was until four, he was still on his way to collect the money to deposit it when they started sending messages to WhatsApp again.
They pointed out to him that he was again with his “pen…”, that he had not made the deposit and surely it was a story that he was going to pay.
He reiterated that he was on his way to make the deposit, but in line at the bank they again sent him messages claiming the non-payment and attacking him with insults until finally it was his turn and he made the deposit.
Two days later, he managed to fully pay off the debt and the messages in the chat group stopped.
As detailed, in the group they not only sent defamatory messages towards him, but also took a photo of his girlfriend’s profile, another of his underage daughter and published them in the group, in addition to sending explicit videos of child pornography and other such materials.
Given the situation, Carlos filed a complaint with the Attorney General’s Office, where the person who attended him told him that other people had already come to report similar situations, so there are several cases in which the same “modus operandi” is handled by the online loan applications.
They told him that in some cases like his they use defamation, in others they threaten to beat or kill them.