Loan apps in Nigeria are notorious for defaming borrowers by messaging their friends, family, clients—even employers. But here’s the truth: you can take control of your story before they do.
This guide shows you how to craft and send a disclaimer message for loan app harassment, so your contacts hear directly from you—not from scammers trying to shame you.
Why You Need a Disclaimer Message
Once you default on a loan from apps like LCredit, OKash, SokoLoan, or EasyCredit, they often gain access to your phone’s contact list. Then the harassment begins:
- Threats sent to your boss or co-workers
- Messages to family members calling you a criminal
- Broadcasts claiming you stole money or are wanted by the EFCC
These tactics are not only illegal—they’re designed to pressure you into repayment through fear and shame.
A pre-written disclaimer protects your name before their lies spread.
When to Send a Disclaimer
The best time to send your disclaimer is:
- Immediately after you default or stop paying
- If you start getting strange messages or missed calls
- Before any defamatory message reaches your contacts
Don’t wait for people to hear from them first. If they hear from you, they’re more likely to ignore the loan apps’ messages.
Sample Disclaimer Templates
Here are some templates you can copy, edit, and send via WhatsApp, SMS, or email. Choose based on your tone and audience:
🧑💼 1. Professional Tone
Hello, please be informed:
Due to a failed transaction with a digital loan app that accessed my contact list without full consent, you may receive false and defamatory messages about me. Kindly ignore any such messages—they are illegal tactics used to harass borrowers. I am resolving this situation through proper channels. Thank you for understanding.
🤝 2. Casual & Friendly
Hey, quick heads-up:
I made the mistake of using a loan app that now has access to my phone contacts. You might get some strange messages calling me names or making false accusations. Please ignore them—they’re just trying to scare people. I’m handling it and I’m okay.
🙏 3. Faith-Based/Emotional Appeal
Dear family/friend,
If you receive any messages about me from strange numbers, please disregard them. I trusted the wrong financial platform, and they’re now using my contacts to try and shame me. I believe God will help me through this, and I’m doing my best to move forward. Please keep me in your prayers.
⚖️ 4. Legal/Assertive Tone
NOTICE:
Any defamatory message you receive regarding me is false and unlawful. These are intimidation tactics used by loan apps violating data privacy laws. I have filed a report and am taking legal steps. Do not engage. Forward any such messages to me or report them as spam.
How to Share Your Disclaimer
Here’s the most effective way to deliver your message:
✅ WhatsApp Broadcast (Best Option)
- Create a broadcast list (not a group)
- Add your most sensitive contacts (family, boss, clients)
- Send the disclaimer message privately to each one
✅ SMS
- Keep it short and clear
- Use this if your contacts don’t use WhatsApp
- Ideal for professional or corporate contacts
- Subject line: “Ignore Any False Messages – Important Notice”
✅ Social Media Story
If you’re bold enough, post it as a WhatsApp, Facebook, or Instagram story for 24 hours. This covers a wide audience at once.
Bonus: Legal Tone vs Friendly Tone—Which Works Best?
- Legal Tone is great for professional contacts and anyone who may take messages seriously.
- Friendly Tone works better for peers, classmates, and informal relationships.
- Faith-Based Tone resonates with family and religious networks.
- Mix it up. If you’re sending to different types of contacts, adjust the tone to match the relationship.
🔗 Want to Create a Disclaimer Automatically?
Use our free tool to generate a custom disclaimer message in seconds:
👉 Create Your Own Disclaimer Message
Conclusion: Speak First. Be Believed. Stay in Control.
Don’t let a faceless app destroy your name. Speak first, speak clearly, and let your contacts know the truth. A well-timed disclaimer protects your dignity and reduces panic when the messages start flying.
You’ve made a mistake—but it doesn’t define you.