Mixed Reactions Trail Loan Shark’s Posting Of 87 Debtors’ Photos Online

Delinquent Loans, a Nigerian online lender, is facing intense criticism after posting photos of 87 debtors on social media in an attempt to recover outstanding loans. The incident gained widespread attention over the weekend when the lender shared three videos on TikTok, each featuring images of the debtors with the caption, “Please settle your loans.” The videos quickly went viral, sparking a heated debate on social media about privacy, ethics, and the practice of debt recovery.

Reactions have been divided, with some users condemning the lender’s unorthodox approach, while others argue that the consequences of defaulting on loans justify such measures. One social media user, @KingSuleiman27, warned others to check the video to ensure their picture wasn’t included, stating, “Has anyone seen the video posted by a loan app featuring pictures of 87 debtors owing them? You better check it out to make sure your picture isn’t among them ooo!”

Prince Olugbade (@latmos997) ridiculed the approach, suggesting that the lender should monetize its videos to recover the money: “As they don post their pictures, make them go collect the money from the general public wey view am, or post am for YouTube use the views settle the debt.”

However, some users raised concerns about the legality and ethical ramifications of the tactic. FaVōuR™ (#fhavourabia) argued, “Actually, if we have a functioning government, these people should be sued for defamation.” Others, like Agbalaka (#CroBender), warned about the risks of borrowing from such platforms, stating, “Taking money from shylocks comes with regrettable consequences.”

On the other hand, some people highlighted the repercussions of loan defaulting. Smiles Ebony (@smileebony) pointed out, “There’s something all these people don’t understand. After you default on any loan, you will be reported to the credit bureau, and this will affect anyone.”

Meanwhile, concerns about fraudulent practices within digital lending were also raised. Emma (@Emmabest) pointed out, “Most of these persons are not aware of this loan. Suddenly, they receive a call asking them to pay back the money they borrowed.”

The incident sparked a broader conversation about the privacy and ethics of debt recovery. Critics argued that publicly exposing individuals in this way violates their rights and may even constitute defamation. There are growing calls for tighter regulations on the digital lending sector to prevent such practices.

As the debate rages on, Delinquent Loans has yet to issue an official response to the backlash or offer clarification about its actions. Meanwhile, the videos remain a hot topic on social media, raising critical questions about the balance between debt recovery and respecting individual privacy.