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A loan application Delinquent Loans has ignited a debate following its controversial action of publicly posting pictures of 87 individuals who owe money, in an aggressive move to recover outstanding debts.
The incident became known through a collection of videos shared on TikTok.
Across three separate videos, the platform uploaded pictures of the debtors.
Each of the pictures captioned, “Please settle your loans,” as a public reminder to repay their debts.
The videos, which began trending on Saturday, drew widespread attention and mixed reactions from social media users.
Many people used various platforms to express their opinions on the app’s unconventional approach.
A user, King, who identifies as #KingSuleiman27 on X (formerly Twitter), commented, “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, who tweets as #latmos997, wrote, “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.”
FaVōuR™, who identifies as fhavourabia, argued, “Actually, if we have a functioning government, these people should be sued for defamation.”
Agbalaka, who identifies as #CroBender, noted, “Taking money from shylocks comes with regrettable consequences.”
Other users highlighted the consequences of defaulting on loans.
Smiles Ebony, who tweets as #smileebony, explained, “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.”
Emma, who identifies as #Emmabest, raised concerns, stating, “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 loan app’s public shaming strategy has sparked a debate about privacy, ethics, and the legality of such practices.
While some support the need for debt recovery, others criticise the method as an infringement on individual rights.
