Loan Sharks, Defaulting Loan Company and You.

Please let's take note of the following :

1. No loan app have the authority to come to your house, no matter who they are

2. Loan default is not a criminal offense and as such, defaulting on a loan Repayment is not a crime.

3. Repayments and patronage to loan sharks and illegal money lenders is a crime on its own.

4. There is nothing fruitful that can be done with money gotten from loan sharks. You either use it to treat one sickness or buy food or solve one problem or another. The money they give is never enough to start a business and even if it is, the interest rate on top will choke the life out of the business.

5. No loan firm have the right to abuse, harass, embarrass, defame you or ridicule you especially to your contacts or 3rd parties over your loan default.

6. It is a criminal offense for loan firms to expose your information especially bio data and financial details such as BVN, account details, NIN etc to 3rd parties

7. It is a criminal offense for loan firms to edit your pictures obtained through the access you grant them in the process of obtaining a loan.... It is a crime for them to edit such pictures with derogatory comments such as infected with HIV, rest in peace, husband snatcher, etc

8. It is a criminal offense by loan sharks to solicit for funds on your behalf from your contacts with express permission from you. It is called obtaining money by false pretense.

9. You are well within your right to boycott payments to any loan firm that have defamed you or exposed your data(which you gave them in confidence) to 3rd party without your express permission.

10. It is illegal to obtain loans from registered money lenders without the intentions to repay them. You can be jailed for it.

Know your rights today.

If you are a victim of the above, do well to send an email to the authorities with the email addresses below.

Send the email with evidence of the indiscretion of the loan sharks.

Your evidences should / must include or reveal the following if possible :

1.  Real names of the loan agent.

2. Name of the loan agency or company

3. Date of the loan collection, repayment dates and interest rates

4. Date of defamation

5.  Screenshots of defamation messages

6. A few numbers that received the defamation messages.

7. Threats and abuses of the loan agents to you or your family members.

8. Any other information that can help the authorities bring these people to justice.

The email addresses to send the message to are below :

info@nitda.gov.ng

contact@fccpc.gov.ng

lenderstaskforce@fccpc.gov.ng

cpd@cbn.gov.ng

ethicsoffice@cbn.gov.ng

info@icpc.gov.ng

info@efcc.gov.ng

info@efccnigeria.org

info@statehouse.gov.ng

Ensure you copy the email address of the defaulting loan company so they will know you have taken an action against them.

For example, if you are reporting soko loan, when sending the emails with evidence, make sure you copy soko loan email for them to know you are reporting them.

The government must do more to protect its citizens and a permanent ban must be placed on all illegal lending homes.

We will win this fight......

--Chris Marion

HOW WRITING MY FIRST BOOK DESTROYED PEOPLE PLEASING AND EMPOWERED MY GLOW UP by Tamara Rasheed

In 2009, I wasn't prepared for all the fear and worry that popped up when I sat down to write my first book.

Fear shifts when you start writing your book.

You're not afraid to protect yourself and play small anymore. 

You're feeling the fear, the uncertainty, of stepping into your brightest light. 

If you're a new author, you might feel that fear and worry coming, so you have been avoiding being committed to writing.

It's scary to relive what you've gone through when it's just for the sake of remembering.

And if you've already started this journey, you're probably feeling like you're just crawling toward the finish line and have no energy for what might come next. Going through all of that is so draining.

But let me tell you why you need to jump into it even though you're afraid. 

And why you need to keep pushing when you're almost finished.

As I got started, I realized my fear was coming from the past traumas I had experienced and healed from.

I was getting triggered remembering those events and reliving the past - when that wasn't the point of writing this book. 

And that wasn't the point of going through all the things I went through either - just to be afraid.

Writing this first book actually inspired me to write more about my story, and I got the courage to write my best-selling book Breaking Free while facing those fears. 

I realized if I really wanted to make an impact, I was going to have to use what I had been through differently.

I was going to have to make things better with the same things I thought tore me down when I thought I was at my smallest in life.

I couldn't do that while hiding from it, and writing my book brought it all into perspective.

I was scared to say too much and tried to stick to the information I wanted to share only, but the book was cold and didn't really reflect what I wanted to share.

It needs you and your life to really make a difference.

I couldn't write more than 75 pages if I didn't want to include how my life was actually impacted or without really opening up my life.

Writing this book made me realize that I had dimmed my light my whole life. 

I didn't want to hurt anyone's feelings by sharing my accomplishments or being my authentic self - and that was the trauma talking, not my future. 

Fear shifts when you start writing your book.

You're not afraid to protect yourself and play small anymore. 

You're feeling the fear, the uncertainty, of stepping into your brightest light. 

It's the fear that reaches out to the most courageous and brightest shining parts about who you are so that you start living fully.

You see, you're not becoming someone better than you were.

You're stepping into the awesomeness you already are. 

I hope this helps.