Expert Review
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HCwallet
They'll shoot off SMS to your contacts, saying you owe them money.
Brace yourself for a barrage of nasty WhatsApp messages if you're just a day late.
Their repayment plans usually last between 6 to 14 days, making it a real struggle to pay up.
Expect overdue interest rates of 5% to 7% per day, pushing you deeper into debt.
Don't bother paying them back once they tarnish your name. They've already got what they wanted.
Since they're not licensed, they can't take legal action against you. Their only weapon is to smear your reputation.
Avoid borrowing from other loan apps to settle your debts; you'll only dig yourself into a deeper hole.
Use Truecaller to screen and block their calls, sparing yourself unnecessary stress.
The best way to break free from loan sharks is to stop borrowing altogether.
Block them on WhatsApp and report them directly to WhatsApp and Google Play Store to protect others from falling into the same trap.
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Swiftkash
Public Shaming? Not Cool!
These guys might not play fair. If you're even a day late on a payment, they could blast embarrassing messages about your loan to your friends and family. Imagine your phone blowing up with texts saying you owe money! Yikes!
Short Fuse, Big Charges:
They often give you super short deadlines to repay, like 6 to 14 days. That's barely enough time to make instant noodles, let alone gather the cash, especially if you're already strapped. And here's the kicker: if you miss that deadline, the interest rates go crazy, jumping 2% to 7% every single day. Double ouch! That's like jumping from a frying pan into a fire, not getting out of debt.
Don't Reward Shame with Payment:
Here's the key: if they start shaming you publicly, DON'T PAY THEM BACK! They already got their revenge by embarrassing you. Remember, these apps often operate outside the law, so their threats are mostly smoke and mirrors. Don't let them bully you!
Break Free from the Cycle:
The only way to truly escape their grip is to STOP BORROWING from them altogether. I know it's tough, but trust me, it's better than being constantly harassed and stuck in a cycle of debt. You were living before SwiftKash, and you'll find a way again. Be resourceful, be patient, but don't borrow anymore!
Fight Back and Protect Yourself:
To stay safe, use apps like Truecaller to identify their calls and block their numbers. You can also report them directly to WhatsApp and the app store. Let them know their tactics are unacceptable!
Your Worth is More Than a Loan:
Remember, your self-respect and well-being are worth more than any quick loan. Don't let SwiftKash or any other app bully you. By staying informed and taking action, you can break free and get back to living life on your own terms. You've got this!
Remember, there are other options. Talk to trusted friends or family, or seek help from organizations that offer financial counseling and support. Don't let loan apps trap you in a cycle of debt and shame. You deserve better!
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Swiftfunds
We will review the apps within the next 48 hours and provide detailed information and also do our background checks
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Flypay Pro
Heads up, friend! Let's chat about Flypay Pro and some things to keep in mind:
No Public Shaming (for now): Unlike some loan apps, Flypay Pro won't blast your contacts about your loan if you make gradual payments. But remember, this grace period can disappear, so keep up those payments!
Hold Off on Overdue Interest: Once you've paid the regular interest and the loan amount itself, don't give in to any extra charges for being late. Those can add up quickly!
Silence the Noise: If they start bugging you too much, don't hesitate to block their phone numbers and WhatsApp contact. Your peace of mind matters!
Don't Fall for the Debt Swap: Borrowing from another app to pay Flypay Pro might seem like a solution, but it's a trap! You'll just end up deeper in debt with a different name.
Shield Yourself with Truecaller: This nifty app helps you identify and block their calls before they even bother you. Take control!
Break Free from Borrowing: The ultimate escape from any loan app is to stop borrowing altogether. It's tough, but you can do it!
Block & Report: If they cross the line, block them on WhatsApp and report them directly to the platform and app store. Let them know their tactics aren't cool.
Remember, You Were Here Before: You existed and thrived before Flypay Pro, right? Don't let them control your life or hurt your self-respect. There are resources available to help you manage debt and get back on your feet. You're not alone in this!
Bonus Tip: Explore legitimate loan options from banks or credit unions. They might offer better terms and won't resort to shady tactics.
Remember, knowledge is power! By understanding how these apps operate, you can protect yourself and make informed choices. Good luck!
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Twaleloan
Twaleloan and its practices, with a focus on your interactions with them. To begin with, it's important to highlight that Twaleloan employs various methods if you owe them money. They may send SMS messages to your contacts, informing them of your debt. Furthermore, if your payment is just one day overdue, they may start sending derogatory messages via WhatsApp to your contacts.
Typically, Twaleloan offers repayment plans ranging from 6 to 14 days, which can prove to be challenging to fulfill. Their overdue interest rates range from 2% to 7% per day, potentially leading to further debt accumulation.
It's essential to understand that repaying Twaleloan once they defame you is not advisable. They primarily aim to extract money through defamation tactics. Since they are unlicensed loan apps, their only recourse is to tarnish your reputation.
Borrowing from another loan app to repay Twaleloan is not a viable solution and may lead to bankruptcy. They operate under various names on mobile app stores, making it difficult to escape their debt cycle.
To manage their communication, consider installing Truecaller on your mobile phone to identify and block their calls. Blocking them on WhatsApp and reporting their actions directly to WhatsApp and Google Play Store can also be effective measures.
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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
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