If you are me of those trying to stop loan apps from accessing, calling, and texting their contacts on Android and iOS iPhone because they do more harm than good to you, then I have created this article to help you out.
Most of these loan apps are regarded as sharks loans because they aren’t registered with the federal government or CBN, so they can act however they want because they know no one will check up on them.
Some of these loan companies even call you names that make you seem less important as a person, and I wonder if these aren’t the ones who come to your door begging you to borrow money from them.
After you give your biographical information and credentials to these fake loan apps, they store your home address, place of work, and other financial information in their database.
When you can’t pay back the loan you took out, these details about you can be used to bother you. You can tell the authorities and talk to a lawyer. It’s important to tell the security agencies in charge and get legal advice. It’s easy to see why many Nigerians might not have the money to go to a lawyer. Law practitioners can assist you to deal with loan sharks in several ways, for example by getting a court order to stop the loan shark from continuing to harass you. But this step can make it less likely that loan sharks will bother you.
In this article, you’ll learn how to block and stop loan apps from accessing and calling your contacts in the United States, United Kingdom, Canada, Australia, Singapore, Germany, Netherlands, Sweden, New Zealand, India, Pakistan, The Philippines, Brazil, Nigeria, South Africa, Ghana, Cameroon, Egypt, Ethiopia, Tanzania, Kenya, Zambia, Zimbabwe, Uganda, Senegal, Dubai, Malaysia, Turkey, Tunisia, Portugal, Italy, and Romania.
What are Loan Sharks?
Loan sharks are known to send messages to their victims to get their side of the story and also to make them angry. They see this as a chance to get something out of that person.
As someone who has borrowed money but has not yet paid it back or paid it all back, it is important to stay calm. Don’t get too angry. Even though it’s hard, you can’t let your anger or temper get the best of you.
If you let go of your anger, it gives them more power to scare you. Instead, stick to your position in a way that makes it hard for them to put pressure on you.
How to stop loan apps from getting your contacts List
When you give online loan apps permission to read your contacts, they can see them.
At the beginning of the application process, these loan apps look at your phone contacts.
Here are the best ways to stop loan apps from calling your contacts and sending them messages.
1. Uninstall the App
When you first use an app after downloading it, it may ask your phone for permission to do certain things.
These permissions could include access to your contacts, messages, camera, etc.
People often give these permissions so they can use the app’s services.
Now, for loan apps, once you’ve given these permissions and gotten your loan, go into your phone’s settings and remove these permissions.
If the permissions are still there, the loan company won’t go to the app to get your phone contacts until you stop paying.
But they won’t have it if you turn it off and don’t open the app again.
They will say they will send you a message, but they can’t.
Don’t let a loan app send messages to your contacts if you don’t want it to.
Don’t give them permission to look at your contacts.
If they do, just do the following:
- Go to the Settings menu on your iOS or Android device.
- Go to the “Apps Manager” page.
- Click on Allow Apps.
- Choose the loan application.
- Now, either say no or say yes.
2. Use only Trusted and Registered Loan Apps
To avoid being blackmailed, only use loan apps that are known to be reliable in the industry.
3. Disable Location Permission
You can follow the same steps again to remove location permission, etc. But the truth is that you can’t stop a loan app from using your contacts when you borrow from them. When you borrow money through a loan app, your contacts are usually used as a guarantee that you will pay back the loan. It just serves as your security.
After you get a loan from them, your personal information like your name, passport photo, BVN, and phone number are uploaded to an external database. This happens as soon as you give them your contact information. The truth is that you are still at their mercy even if you delete the app or uninstall it after borrowing from them because they already have access to your contacts.
4. Disable Storage Permission
But if you move quickly enough, you can stop them from getting any more information from your phone. To do this, you need to take away the permission you gave them. To do this, go to your phone’s settings, scroll down to “permission,” and stop the loan app from accessing your phone’s storage, gallery, contacts, and SMS. For this to work, you have to be very fast. Since they only have your name and phone number, they can only deal with you personally.
5. Pay Back Loan When Due
You can also stop loan apps from accessing your contact list by paying back the loan when it’s due and removing the app from your phone. So you need to pay up before you can delete the app. This way, they can’t hold you anymore.
When you give a loan app permission for the first time, it stores all the information it needs about you.
If you owe money to one of these illegal loan platforms and don’t want your contacts to hear bad things about you, go to your phone’s settings and click on app and notifications.
Scroll down to “App Permissions” and tell them they can’t use your contacts, text messages, photo gallery, or phone storages.
They won’t be able to contact your friends or post your pictures anymore.
They would only have your phone number and deal with you.
Last, only borrow what you know you can pay back.
Why do loan apps ask for access to my contacts?
Loan apps ask for access to your contacts so they can use the information to verify your identity and assess your creditworthiness. They may also use the information to offer loans to your contacts.
How can I tell if a loan app has access to my contacts?
You can check which apps have access to your contacts by going to your phone’s settings and looking for the apps with permissions to access your contacts.
Is it safe to give loan apps access to my contacts?
While some loan apps may have legitimate reasons for accessing your contacts, it’s important to be cautious. Giving apps access to your contacts can put your personal information at risk, especially if the app has poor security measures.
How can I prevent loan apps from accessing my contacts?
You can prevent loan apps from accessing your contacts by denying the app permission to do so when prompted. You can also go to your phone’s settings and revoke access to your contacts for any loan apps that currently have access.
What if a loan app won’t let me use the service unless I give access to my contacts?
If a loan app won’t let you use the service unless you give access to your contacts, it may be best to avoid the app altogether. There are many other loan apps available that don’t require access to your contacts.
Can loan apps access my contacts without my permission?
No, loan apps cannot access your contacts without your permission. When you install an app, it will ask for permission to access your contacts, and you can choose to grant or deny that permission.
What should I do if I accidentally gave a loan app access to my contacts?
If you accidentally gave a loan app access to your contacts, you can go to your phone’s settings and revoke that permission. You may also want to monitor your contacts and credit for any suspicious activity.
Are there any alternative ways for loan apps to verify my identity?
Yes, loan apps can use alternative methods to verify your identity, such as asking for your ID or linking to your social media profiles.
What are the risks of loan apps accessing my contacts?
The risks of loan apps accessing your contacts include your personal information being exposed or used for marketing purposes. There is also the risk of your contacts being harassed or scammed by the loan app or its affiliates.
How can I protect my personal information when using loan apps?
Can loan apps access my contacts if I link my social media account?
Yes, some loan apps may ask you to link your social media account as a way to verify your identity and assess your creditworthiness. If you link your social media account, the app may be able to access some of your contacts through that platform.
Can loan apps access my contacts on iOS and Android devices?
Yes, loan apps can access your contacts on both iOS and Android devices if you give them permission to do so.
What are some signs that a loan app may be accessing my contacts without my permission?
Some signs that a loan app may be accessing your contacts without your permission include receiving unsolicited messages or calls from unknown numbers, or seeing your contacts receive similar messages or calls.
What should I do if I suspect a loan app is accessing my contacts without my permission?
If you suspect a loan app is accessing your contacts without your permission, you should immediately revoke its access to your contacts through your phone’s settings. You should also report the app to your phone’s app store and monitor your contacts and financial accounts for any suspicious activity.
Are there any laws or regulations that restrict loan apps from accessing my contacts?
There are currently no specific laws or regulations that restrict loan apps from accessing your contacts. However, many countries have data protection laws that require apps to obtain users’ consent before accessing their personal information.
How can I find loan apps that don’t require access to my contacts?
Can I delete my contacts to prevent loan apps from accessing them?
While deleting your contacts will prevent loan apps from accessing them, it’s not a practical solution. You may need your contacts for other purposes, and deleting them will not necessarily prevent loan apps from accessing other personal information on your phone.