Expert Review
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HCash
Here's the scoop:
1. They're not shy about letting your contacts know you owe them cash, hitting them up with SMS messages.
2. Brace yourself for a barrage of not-so-nice messages on WhatsApp if you're even a day late with your payment.
3. Their repayment plans usually give you a tight window, ranging from 6 to 14 days, which can be a real challenge to meet.
4. Watch out for their sky-high overdue interest rates, ranging from 1% to a hefty 5% per day. That'll only bury you deeper in debt.
5. Don't cave and pay up if they start tarnishing your name. They're just after their money, and once they've defamed you, they've got what they wanted.
6. They may not have a license, but their weapon of choice is defamation. Pretty low, huh?
7. Whatever you do, don't try borrowing from another loan app to settle your debts with them. It's a trap! You'll just end up in more hot water.
8. Thinking about screening their calls? Consider installing Truecaller on your phone to see who's ringing before you answer. That way, you can dodge their calls if you're not in the mood to chat.
9. The best way to shake off loan sharks is to kick the borrowing habit altogether.
10. If they're causing trouble, don't hesitate to block them on WhatsApp and report their shady practices straight to WhatsApp and the Google Play Store.
11. Remember, you were doing just fine before they came along. Don't let them mess with your reputation or your wallet.
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HCash-Fast credit loan
If you are considering borrowing from HCash-Fast Credit Loan or are already a borrower, understanding key aspects of repayment and how to protect yourself is essential. Here’s what you need to know to safeguard your financial well-being:
1. Unregistered Loan App
HCash-Fast Credit Loan is not a registered loan provider, which means they may not follow legal guidelines and regulations. This could result in unethical practices such as harassment or excessive interest rates. It's important to approach with caution and ensure you’re fully aware of their terms before borrowing.
2. Derogatory Messages to Your Contacts
If HCash-Fast Credit Loan has sent offensive or derogatory messages to your contacts as a means of collecting payment, do not panic. This behavior, while harmful and embarrassing, is used to create pressure through fear. Do not feel compelled to repay them if they’ve used these tactics. If they insist on repayment, inform them that you are prepared to handle the issue legally.
3. Reputational Damage and Defamation
If your reputation has already been tarnished by defamatory messages from HCash-Fast Credit Loan, repaying them won’t undo the damage that’s been caused. The harm has already been done, and paying them back will likely do little to restore your reputation. It's important to focus on protecting yourself moving forward rather than trying to repair the situation by settling with the lender.
4. Use TrueCaller for Spam and Harassment Protection
To protect yourself from spam calls or harassing calls from HCash-Fast Credit Loan, you can install TrueCaller. This app helps identify and block spam or unwanted calls, giving you control over who can reach you. It’s an effective way to avoid further contact from unregistered loan apps.
5. Block Auto Debits from Your Bank Account
Unregistered loan apps may attempt to deduct funds automatically from your bank account. To prevent this, visit your bank and request a new card, effectively blocking HCash-Fast Credit Loan from debiting your account without authorization. This action is crucial for protecting your finances from unauthorized transactions.
6. Block and Report on WhatsApp
If HCash-Fast Credit Loan is sending you harassing messages on WhatsApp, block their contact immediately. In addition to blocking, take a moment to report them to WhatsApp. This will not only prevent further messages but also alert the platform to their harmful behavior. The more reports an account receives, the higher the chances that it will be removed or restricted.
7. Report to Google Play Store or Apple App Store
If HCash-Fast Credit Loan is listed on the Google Play Store or Apple iOS Store, you should report the app. This step is critical in helping others avoid falling victim to unethical practices. Reporting the app may lead to its removal from the platform, ensuring that fewer people are exposed to their tactics.
Step by step guide to break free from loan apps
What you should know
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Any loan sharks that defame are never linked to the credit bureau in anyway and all they say to you are lies.
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Loan shark money cannot help solve anybody matter to better 40% - 70% in 7 days, they are simply misery compounders!! Do away with them.
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Loan Apps major aim is to make outrageous profit from people and render people bankrupt. Dont be a victim
What people are saying
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