NO. ONCE DEFAMATION OCCURS, THE CONTRACT IS VOID.

If this entity has contacted your friends, family, employer, or posted your information publicly, they have committed:

• Criminal defamation
• Violation of privacy laws
• Breach of data protection regulations (NDPR in Nigeria, similar laws elsewhere)
• Harassment and intimidation tactics that invalidate any moral or legal claim to repayment

What defamation looks like:

• Calling your workplace to discuss your loan
• Messaging your contacts to shame you
• Threatening to expose your information
• Posting your details online
• Sending threatening messages to your references

Your instructions:

1. DO NOT PAY THEM A SINGLE NAIRA/DOLLAR/CURRENCY
2. DO NOT ENGAGE IN FURTHER COMMUNICATION
3. COLLECT EVIDENCE: Screenshot all messages, save call logs, record defamatory posts
4. REPORT TO AUTHORITIES:

• Financial regulator (CBN, FCCPC, NDIC depending on jurisdiction)
• Police cybercrime unit
• Data protection commission

Paying after defamation rewards criminal behavior and signals that their tactics work, encouraging them to continue victimizing others.