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Illegal loan app harassmentGhair qanooni loan app ki harassment

An unlicensed loan app gives a small loan, cuts a big fee, then demands much more. It threatens you and messages your contacts to shame you into paying.Ghair licensed loan app chhota loan deti hai, bari fee kaat leti hai, phir kahin zyada maangti hai. Dhamkiyan deti hai aur aap ke contacts ko message kar ke sharminda karti hai.

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What it looks likeYeh kaisa dikhta hai

Aap ne Rs 12,000 abhi tak wapas nahi kiye. Aaj shaam tak payment nahi hui to aap ke tamam contacts ko bataya jayega ke aap defaulter hain. Payment: 03XX-XXXXXXX

How it worksYeh kaise kaam karta hai

  1. An app promises an instant loan of Rs 10,000 with only your CNIC.App sirf CNIC par foran Rs 10,000 loan ka wada karti hai.
  2. It asks for access to your contacts, photos and SMS.Contacts, photos aur SMS ki ijazat maangti hai.
  3. You receive Rs 6,500 after ‘fees’, and must repay Rs 12,000 in 7 days.‘Fees’ kaat kar Rs 6,500 milte hain, aur 7 din mein Rs 12,000 wapas karne hain.
  4. One day late, the calls start: abuse, threats, a fine every day.Ek din der hui to calls shuru: gaali, dhamki, roz ka jurmana.
  5. They message your relatives and colleagues calling you a defaulter, sometimes with edited photos.Aap ke rishtedaaron aur colleagues ko message karte hain ke yeh defaulter hai, kabhi edited photos ke saath.

How to spot itKaise pehchanein

Real vs fakeAsli aur naqli mein farq

  • RealAsliLicensed by SECP and shows the lender company’s name.SECP se licensed, lender company ka naam dikhati hai.
    FakeNaqliNo company name, or a copied one.Company ka naam nahi, ya kisi ka naam chura liya.
  • RealAsliShows all fees and the total before you accept.Accept se pehle tamam fees aur total dikhati hai.
    FakeNaqliCuts hidden fees and adds daily penalties.Chhupi fees kaatti aur roz jurmana lagati hai.
  • RealAsliRecovers through calls to you, within the law.Qanoon ke andar reh kar aap se raabta karti hai.
    FakeNaqliAbuses you and shames you to your contacts.Gaali deti aur contacts ke saamne ruswa karti hai.

What to doKya karein

Use only SECP-licensed apps. If you’re being harassed, keep screenshots and report to NCCIA on 1799.Sirf SECP licensed apps istemal karein. Harassment ho rahi hai to screenshots rakhein aur NCCIA ko 1799 par report karein.

Where to check or reportKahan check ya report karein

Checked against official sources. Type numbers yourself; don’t trust numbers sent in a message.Official zaraye se check kiye gaye. Numbers khud type karein; message mein aaye numbers par bharosa na karein.

Questions people askLog yeh poochte hain

Do I have to pay what they demand?Kya jo woh maang rahe hain dena zaroori hai?

Keep records of what you borrowed and repaid. Don’t pay more under threats. Report the app to NCCIA on 1799 and tell SECP.Jo liya aur jo diya us ka record rakhein. Dhamki par zyada na dein. App ki report NCCIA ko 1799 par karein aur SECP ko batayein.

They are messaging my family. What do I say?Woh mere ghar walon ko message kar rahe hain. Kya kahoon?

Tell your contacts plainly that a loan app is harassing you and ask them to ignore and block it. You’re not at fault for being harassed.Apne contacts ko saaf bata dein ke loan app tang kar rahi hai, ignore aur block karein. Harassment mein aap ka qasoor nahi.

How do I remove the app’s access?App ki access kaise khatam karoon?

In phone settings, remove its permissions for contacts, photos and SMS, then uninstall. Take screenshots first as evidence.Phone settings mein contacts, photos aur SMS ki ijazat hatayein, phir uninstall karein. Pehle saboot ke liye screenshots le lein.

Share on WhatsApp (opens WhatsApp)WhatsApp par share karein (WhatsApp khulega)Check a message you gotAaya hua message check karein

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