A great Life lesson for trusting someone above there worth

[praful47]

I don't feel any pain if i used any penny of the loan amount. I don't believe in using some else's money to fullfill my needs and don't pay them back.

Sab tumhari tarah nahi sochte

 

[dvader]

Sab tumhari tarah nahi sochte

Bhai inke jse ache log hi faste hai. Inke jsa mera dost hota to 5% interest k sath pse lauta deta.

 

[praful47]

Bhai inke jse ache log hi faste hai. Inke jsa mera dost hota to 5% interest k sath pse lauta deta.

Sabse bada problem to ye Nbfc sale hai kisikobhi asani se loan dete hai aur fir jhelo .. Adhe students ke cibil early age me hi kharab ho jata hai ..

Loan bhi utha kar dena hai to samjo ki tumhe hi chukana hai simple baat .

 

[praful47]

@Kumar93196 Sab yaha apna apna point of view batayenge lekin decide tumhe karna hai , ya to sare loan chuka kar free hojao .. nahi to case karo aur paisa , time aur mehnat barbad karo .
Aur ha case karne se koi guarantee nii ki paisa milhi jayega .

 

[dvader]

Sabse bada problem to ye Nbfc sale hai kisikobhi asani se loan dete hai aur fir jhelo .. Adhe students ke cibil early age me hi kharab ho jata hai ..

Loan bhi utha kar dena hai to samjo ki tumhe hi chukana hai simple baat .

And NBFC ka license har chu** company ko mil jaa rha aaj kal. Students to choro kch salaried log PayDay loan apps k chakkar m pad k cibil aur mental health dono kharab kar rhe. Pehle k Byaj Batta wale aaj NBFC chala rhe, diff itna h ki pehle illegal tha aaj legal hai.

 

[praful47]

And NBFC ka license har chu** company ko mil jaa rha aaj kal. Students to choro kch salaried log PayDay loan apps k chakkar m pad k cibil aur mental health dono kharab kar rhe. Pehle k Byaj Batta wale aaj NBFC chala rhe, diff itna h ki pehle illegal tha aaj legal hai.

Pura banking sector ka majak bana hua hai .... Bank public ko loot rahi hai aur public bank ko ..


Ghumna hai loan lelete hai , bike lena hai to bullet hi lenge hinduja aur shriram finance hai na , mobile lena hai iphone hi lenge kyu ki office college me majak udega , etc etc .

Pair utna hi failao jitna chadar ho .. chhadar fadoge to ga** bhi fatega .

 

[Abhi5467]

Never let someone take loans in your name. In this fragile world, promises are weak. Don't even let friends take products on EMI on your credit card. Either let them pay in full if for some offers. A little advise would be...keep finances and relations separate.

 

[Kumar93196]

@Kumar93196 Sab yaha apna apna point of view batayenge lekin decide tumhe karna hai , ya to sare loan chuka kar free hojao .. nahi to case karo aur paisa , time aur mehnat barbad karo .
Aur ha case karne se koi guarantee nii ki paisa milhi jayega .

Ab ant mai mujhe hi bharna pdega sb afaik baaki cibil jese tese bacha rha hu dekho kb tak bachta hai

 

[dvader]

Ab ant mai mujhe hi bharna pdega sb afaik baaki cibil jese tese bacha rha hu dekho kb tak bachta hai

Bharna to apko hi padega brother even if you file a case, kyu ki CIBIL to bachana hai. There is a possibility (and a good one) to get a court order instructing the bank to stop reporting until the dispute is resolved lekin court date milne aur aur order pass karane m itna time lagega ki tab tak CIBIL 200 p ajayega.

Agar 5-7 years loan ki jroort ni ho to settle kar lo, NPA hone do khud ayega bank settle krne. Uske baad aap ase smjho ki shuru se CIBIL build krr rhe. Abi mere collegue to Axis ne 4L ka pre NPA settlement offer kia h (special circumstances) 2L m with 9 months payment plan. So not bad.

 

[Kumar93196]

Bharna to apko hi padega brother even if you file a case, kyu ki CIBIL to bachana hai. There is a possibility (and a good one) to get a court order instructing the bank to stop reporting until the dispute is resolved lekin court date milne aur aur order pass karane m itna time lagega ki tab tak CIBIL 200 p ajayega.

Agar 5-7 years loan ki jroort ni ho to settle kar lo, NPA hone do khud ayega bank settle krne. Uske baad aap ase smjho ki shuru se CIBIL build krr rhe. Abi mere collegue to Axis ne 4L ka pre NPA settlement offer kia h (special circumstances) 2L m with 9 months payment plan. So not bad.

The thing is mai already around 3 lac bhar chuka hu. And now exact loan amount pending is something around 2.5 lac. And mere credit cards toh mai rotate kr hi rha hu....

 

[Beyond]

Sharing a real life experience

Hi Folks hope all of you are fine. I am 24 as of now with half decade of work experience.
I am working with my dearest friend whom I met in office. He’s behavior is too good towards everyone.
we both are working together in a DSA. After some time, we both started a plan to start our own DSA. We left the job and started working from his home. Our bond grew strong and we started earning good.
He took some goods like phone,laptop A/C, etc on my name and paid all the emi’s on time. After that he took Personal Loans in my name from apps like Kreditbee, Mobikwik, Amazon, fedral, Au bank,Snapmint. I always believe in cash. And never used or bought anything on emi but he’s the one who’s using all that things. And he also asked me for some money for personal usage. I lent him. And I started a kameti with him worth 1.5lac for 10 months.

In the beginning of 6 months he paid all the EMI’s on time. But the MAIN THING IS for last 6 months he’s not paying any emi on time stating that he don’t have any money and for the past 6 months I have been paying the emi.

6 MONTHS BACK STORY.

Everything is going really well. I have saved some decent money in my early stages of life. My friend put all his money and in some company which doubles all the money once every month. First month company doubled the money. 2nd month he asked all of there neighbours to invest the money in It. And the company took the money and ran. so all of them have stopped Payment of Kameti. They told him to deduct that from his kameti they are not going to pay for it.

His personal account also got blocked due the complaints on the company which doubles the money.
Due to all that for the last 6 months I am paying all his emi’s and I am single earner of my family of 5. And for last 6 months I am so much stressed I cant focus on my work so I have used all my savings to pay his emi’s. which is around 45k per month. And for the Past 6 months I am very devasted.



Whenever I call my dear friend he always tells me for the past 6 months he is arrange the money and it will take time.

In such a Young age I got the very hard Lesson that never lend money to someone.

Right now I have paid 4lac worth of the loan which is in my name but used by him and still 3.5lac is remaining. I cant understand what should I do. How to get out of this shit………….

Any suggestions will be helpful.

Please be my friend 🥲
Don't be too hard on yourself, everyone of us had been betrayed financially at some point of time. You are young take this hard lesson and plan for recovery, meet his family members and describe your ordeal. In final stage plan about legal action, if socital pressure is not enough for him.

 

[dvader]

The thing is mai already around 3 lac bhar chuka hu. And now exact loan amount pending is something around 2.5 lac. And mere credit cards toh mai rotate kr hi rha hu....

Then pay the remaining and get it over with you will come out of it in a year.