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How instant loan app harassment usually starts. A young worker needs ₹5,000 before payday and finds an app promising instant loans with no paperwork. It asks for access to contacts and photos, which he allows without thinking.
He receives only ₹3,200 after "processing fees", and the app wants ₹5,000 back in seven days. When he pays, the app says the payment failed or adds a penalty. Then the…
From the ScamBhai desk: a composite of common reports, not one person's story