How a Borrower Sued a Loan App Called FastCredit for ₦2 Billion — and What He Eventually Won

Step-by-Step: What You Can Learn From This Borrower

If a loan app is harassing you or reporting false defaults, here is what this borrower did — and what you can do:

Step 1: Document everything

• Save screenshots of all messages, calls, and social media posts
• Record call logs (dates, times, what was said)
• Keep bank statements showing unauthorized debits

Step 2: Send a formal complaint

• Write to the loan app's customer service and demand a response
• Keep proof that you sent the complaint

Step 3: Report to regulatory bodies (free options first)

• FCCPC – handles consumer complaints against loan apps
• NITDA – handles data privacy violations
• Nigeria Police Force – Cybercrime Unit – for threats and harassment

Step 4: Send a "Letter Before Action"

• A formal legal letter stating your intention to sue if the issue is not resolved
• This often settles cases without going to court

Step 5: Consult a lawyer

• Many lawyers offer free initial consultations
• Look for lawyers experienced in consumer protection or digital rights

Step 6: File in the right court

• Small claims courts for amounts under ₦5 Million (faster, cheaper)
• Federal High Court for constitutional or data protection cases