The app called every contact in the phone
A 5,000 rupee loan turned into threats to family and colleagues within four days.
- Recovered
- Nil
- Reported by
- Anonymous Hyderabad, Telangana
How it happened
He needed ₹5,000 before a salary date. An ad led to an app that approved the loan in four minutes with no documents. It asked for access to contacts, photos and SMS during installation, which he allowed.
₹3,850 was disbursed. The full ₹5,000 was due in seven days. On day four the calls began, then messages to his contact list saying he was a defaulter, then an edited photograph sent to his workplace group.
He paid ₹27,000 across three weeks to stop the calls. The demands continued until he reported the app, changed his number and filed a complaint.
Step by step
Yes
This account was submitted by a reader and reviewed by our moderation team. Names, numbers and identifying details have been removed. It is published for awareness and is not a legal record.
What this teaches
- No registered lender needs your contact list or your gallery to give a loan.
- Check whether a lender is registered with the RBI before installing anything.
- Harassment for recovery is a criminal offence. Paying does not stop it. Reporting does.
Stories from people
- Do not share bank details, OTPs, card numbers, Aadhaar or complaint numbers.
- Do not name or accuse individuals. Make official reports at cybercrime.gov.in.
- Comments are reviewed before publication. Never pay anyone who offers to recover your money.