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ribblemcscribble · 25 days ago

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Ok I need to scream into the void really quick

My friends and I often plan a PowerPoint night when we’re not busy which is rare. We had one planned for this upcoming Friday (Jan 3rd). I was the one planning it mainly.

My friends aren’t too big on groupchats, I know this. I sent stuff out in the groupchat dedicated to PowerPoint Night about planning another before finals, saying I’d appreciate if people could let me know their availability once finals have ended since I knew everyone is busy with tests. Finals end, I ask again, it’s like pulling teeth to get them to respond. Fine, I’m used to it.

Eventually we plan it for this Friday, I stayed up to stupid hours the other day making snickerdoodle cookies for this, I was planning to make buckeyes today, I wake up to a text from my friends.

Rescheduled for March 7th. Many of my friends are sick, I’m not really peeved at the reschedule that’s not the problem, but HOW they rescheduled so quick.

I don’t know how my friend rescheduled everything so quick there was only the rescheduling text and nothing else, not asking availability or who can host, she must’ve asked through one on one chats.

It’s just, I didn’t receive a chat (granted, I’m more free than the others), and also what’s upsetting is how quickly they rescheduled everything. Again with me getting a reply it’s like pulling teeth and I even offer in the groupchat text for people to text me one on one if they preferred but to please just text me at the least. I get basically three people responding in chat and nothing else.

It’s just upsetting because I kinda feel ignored and pushed to the side? Like they don’t care to respond to me but will reply to my other friend like lightning. And I know this could be a groupchat issue where they just don’t read the chat but if there’s like eight of us, I’m mainly gonna put stuff in the groupchat because copy-pasting to people individually gets me confused and makes me feel like I don’t have all the information at hand. It’s not hard to at the least check a groupchat when an event is being planned.

Idk I’m just sad. Like even one on one chats it’s hard to get a response from these guys too. They’ve been my closest friends for years and I know they love me but it just makes me sad. Like I’ve been trying to plan a hang out with one friend because I’ve wanted to talk to her about SVSSS and I’ve been loaning it to her and wanna get her the next book in the series while grabbing the other book I lent her but she’s been in a slump so she wasn’t responding to anyone so I get it, then I text her when she seems to be doing better but I still don’t get a reply, we basically just have to plan shit when we see each other in person which is rare and it always ends up falling through. But at the same time she’ll text and plan stuff with my other friends sometimes and so it makes me sad.

I know this is such a non-issue but I don’t wanna tell anyone and make people feel upset and I don’t wanna tell any other friend group because I either don’t know them well enough or I don’t want them to dislike my main friend group, and I don’t wanna tell my parents because there’s no point and dealing with them is a hassle and a half rn because their divorce (which is just adding extra stress to me, which is why I wanna hang out with friends too) so I basically have no one to talk to. So I’ll talk here. To no one.

#vent post #personal vent #svsss #snickerdoodles #powerpoint night #idk I’m just sad guys

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equityloanscanada19 · 27 days ago

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#auto title loans #car collateral loans #car equity loans #car title loans #vehicle title loans #financial #loans #loan

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beardedmrbean · 1 year ago

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A blackmail scam is using instant loan apps to entrap and humiliate people across India and other countries in Asia, Africa, and Latin America. At least 60 Indians have killed themselves after being abused and threatened. A BBC undercover investigation has exposed those profiting from this deadly scam in India and China.

Astha Sinhaa woke up to her aunt's panicked voice on the phone. "Don't let your mother leave the house."

Half-asleep, the 17-year-old was terrified to find her mum Bhoomi Sinhaa in the next room, sobbing and frantic.

Here was her funny and fearless mother, a respected Mumbai-based property lawyer, a widow raising her daughter alone, reduced to a frenzied mess.

"She was breaking apart," Astha says. A panicked Bhoomi started telling her where all the important documents and contacts were, and seemed desperate to get out of the door.

Astha knew she had to stop her. "Don't let her out of your sight," her aunt had told her. "Because she will end her life."

Astha knew her mother had been getting some weird calls and that she owed somebody money, but she had no idea that Bhoomi was reeling from months of harassment and psychological torture.

She had fallen victim to a global scam with tentacles in at least 14 countries that uses shame and blackmail to make a profit - destroying lives in the process.

The business model is brutal but simple. There are many apps that promise hassle-free loans in minutes. Not all of them are predatory. But many - once downloaded - harvest your contacts, photos and ID cards, and use that information later to extort you. When customers don't repay on time - and sometimes even when they do - they share this information with a call centre where young agents of the gig economy, armed with laptops and phones are trained to harass and humiliate people into repayment.

At the end of 2021, Bhoomi had borrowed about 47,000 rupees ($565; £463) from several loan apps while she waited for some work expenses to come through. The money arrived almost immediately but with a big chunk deducted in charges. Seven days later she was due to repay but her expenses still hadn't been paid, so she borrowed from another app and then another. The debt and interest spiralled until she owed about two million rupees ($24,000; £19,655).

Soon the recovery agents started calling. They quickly turned nasty, slamming Bhoomi with insults and abuse. Even when she had paid, they claimed she was lying. They called up to 200 times a day. They knew where she lived, they said, and sent her pictures of a dead body as a warning.

As the abuse escalated they threatened to message all of the 486 contacts in her phone telling them she was a thief and a whore. When they threatened to tarnish her daughter's reputation too, Bhoomi could no longer sleep.

She borrowed from friends, family and more and more apps - 69 in total. At night, she prayed the morning would never come. But without fail at 07:00, her phone would start pinging and buzzing incessantly.

Eventually, Bhoomi had managed to pay back all of the money, but one app in particular - Asan Loan - wouldn't stop calling. Exhausted, she couldn't concentrate at work and started having panic attacks.

One day a colleague called her over to his desk and showed her something on his phone - a naked, pornographic picture of her.

The photo had been crudely photoshopped, Bhoomi's head stuck on someone else's body, but it filled her with disgust and shame. She collapsed by her colleague's desk. It had been sent by Asan Loan to every contact in her phone book. That was when Bhoomi thought of killing herself.

We've seen evidence of scams like this run by various companies all over the world. But in India alone, the BBC has found at least 60 people have killed themselves after being harassed by loan apps.

Most were in their 20s and 30s - a fireman, an award-winning musician, a young mum and dad leaving behind their three- and five-year-old daughters, a grandfather and grandson who got involved in loan apps together. Four were just teenagers.

Most victims are too ashamed to speak about the scam, and the perpetrators have remained, for the most part, anonymous and invisible. After looking for an insider for months, the BBC managed to track down a young man who had worked as a debt recovery agent for call centres working for multiple loan apps.

Rohan - not his real name - told us he had been troubled by the abuse he had witnessed. Many customers cried, some threatened to kill themselves, he said. "It would haunt me all night." He agreed to help the BBC expose the scam.

He applied for a job in two different call centres - Majesty Legal Services and Callflex Corporation - and spent weeks filming undercover.

His videos captured young agents harassing clients. "Behave or I will smash you," one woman says, swearing. She accuses the customer of incest and, when he hangs up, she starts laughing. Another suggests the client should prostitute his mother to repay the loan.

Rohan recorded over 100 incidents of harassment and abuse, capturing this systematic extortion on camera for the first time.

The worst abuse he witnessed took place at Callflex Corporation, just outside Delhi. Here, agents routinely used obscene language to humiliate and threaten customers. These were not rogue agents going off-script - they were supervised and directed by managers at the call centre, including one called Vishal Chaurasia.

Rohan gained Chaurasia's trust, and together with a journalist posing as an investor, arranged a meeting at which they asked him to explain exactly how the scam works.

When a customer takes out a loan, he explained, they give the app access to the contacts on their phone. Callflex Corporation is hired to recover the money - and if the customer misses a payment the company starts hassling them, and then their contacts. His staff can say anything, Chaurasia told them, as long as they get a repayment.

"The customer then pays because of the shame," he said. "You'll find at least one person in his contact list who can destroy his life."

We approached Chaurasia directly but he did not want to comment. Callflex Corporation did not respond to our efforts to contact them.

One of the many lives destroyed was Kirni Mounika's.

The 24-year-old civil servant was the brains of her family, the only student at her school to get a government job, a doting sister to her three brothers. Her father, a successful farmer, was ready to support her to do a masters in Australia.

The Monday she took her own life, three years ago, she had hopped on her scooter to go to work as usual.

"She was all smiles," her father, Kirni Bhoopani, says.

It was only when police reviewed Mounika's phone and bank statements that they found out she had borrowed from 55 different loan apps. It started with a loan of 10,000 rupees ($120; £100) and spiralled to more than 30 times that. By the time she decided to kill herself, she had paid back more than 300,000 rupees ($3,600; £2,960).

Police say the apps harassed her with calls and vulgar messages - and had started messaging her contacts.

Mounika's room is now a makeshift shrine. Her government ID card hangs by the door, the bag her mum packed for a wedding still lying there.

The thing that upsets her father the most is that she hadn't told him what was going on. "We could have easily arranged the money," he says, wiping tears from his eyes.

He's furious at the people who did this.

As he was taking his daughter's body home from the hospital her phone rang and he answered to an obscenity-laden rant. "They told us she has to pay," he says. "We told them she was dead."

He wondered who these monsters could be.

Hari - not his real name - worked at a call centre doing recovery for one of the apps Mounika had borrowed from. The pay was good but by the time Mounika died he was already feeling uneasy about what he was part of.

Although he claims not to have made abusive calls himself - he says he was in the team that made initial polite calls - he told us managers instructed staff to abuse and threaten people.

The agents would send messages to a victim's contacts, painting the victim as a fraud and a thief.

"Everyone has a reputation to maintain in front of their family. No-one is going to spoil that reputation for the measly sum of 5,000 rupees," he says.

Once a payment had been made the system would ping "Success!" and they would move on to the next client.

When clients started threatening to take their own lives nobody took it seriously - then the suicides started happening. The staff called their boss, Parshuram Takve, to ask if they should stop.

The following day Takve appeared in the office. He was angry. "He said, 'Do what you're told and make recoveries,'" Hari says. So they did.

A few months later, Mounika was dead.

Takve was ruthless. But he wasn't running this operation alone. Sometimes, Hari says, the software interface would switch to Chinese without warning.

Takve was married to a Chinese woman called Liang Tian Tian. Together, they had set up the loan recovery business, Jiyaliang, in Pune, where Hari worked.

In December 2020, Takve and Liang were arrested by police investigating a case of harassment and released on bail a few months later.

In April 2022 they were charged with extortion, intimidation and abetment of suicide. By the end of the year they were on the run.

We couldn't track down Takve. But when we investigated the apps Jiyaliang worked for, it led us to a Chinese businessman called Li Xiang.

He has no online presence, but we found a phone number linked to one of his employees and, posing as investors, set up a meeting with Li.

With his face shoved uncomfortably close to the camera, he bragged about his businesses in India.

"We are still operating now, just not letting Indians know we are a Chinese company," he said.

Back in 2021, two of Li's companies had been raided by Indian police investigating harassment by loan apps. Their bank accounts had been frozen.

"You need to understand that because we aim to recover our investment quickly, we certainly don't pay local taxes, and the interest rates we offer violate local laws," he says.

Li told us his company has its own loan apps in India, Mexico and Colombia. He claimed to be an industry leader in risk control and debt collection services in South East Asia, and is now expanding across Latin America and Africa - with more than 3,000 staff in Pakistan, Bangladesh and India ready to provide "post-loan services".

Then he explained what his company does to recover loans.

"If you don't repay, we may add you on WhatsApp, and on the third day, we will call and message you on WhatsApp at the same time, and call your contacts. Then, on the fourth day, if your contacts don't pay, we have specific detailed procedures.

"We access his call records and capture a lot of his information. Basically, it's like he's naked in front of us."

Bhoomi Sinha could handle the harassment, the threats, the abuse and the exhaustion - but not the shame of being linked to that pornographic image.

"That message actually stripped me naked in front of the entire world," she says. "I lost my self-respect, my morality, my dignity, everything in a second."

It was shared with lawyers, architects, government officials, elderly relatives and friends of her parents - people who would never look at her in the same way again.

"It has tarnished the core of me, like if you join a broken glass, there will still be cracks on it," she says.

She has been ostracised by neighbours in the community she has lived in for 40 years.

"As of today, I have no friends. It's just me I guess," she says with a sad chuckle.

Some of her family still don't speak to her. And she constantly wonders whether the men she works with are picturing her naked.

The morning that her daughter Astha found her she was at her lowest ebb. But it was also the moment she decided to fight back. "I don't want to die like this," she decided.

She filed a police report but has heard nothing since. All she could do was change her number and get rid of her sim card - and when Astha started receiving calls her daughter destroyed hers too. She told friends, family and colleagues to ignore the calls and messages and, eventually, they all but stopped.

Bhoomi found support in her sisters, her boss and an online community of others abused by loan apps. But mostly, she found strength in her daughter.

"I must have done something good to be given a daughter like this," she says. "If she hadn't stood by me then I would have been one of the many people who've killed themselves because of loan apps."

We put the allegations in this report to Asan Loan - and also, through contacts, to Liang Tian Tian and Parshuram Takve, who are in hiding. Neither the company nor the couple responded.

When asked for comment, Li Xiang told the BBC that he and his companies comply with all local laws and regulations, have never run predatory loan apps, have ceased collaboration with Jiyaliang, the loan recovery company run by Liang Tian Tian and Parshuram Takve, and do not collect or use customers' contact information.

He said his loan recovery call centres adhere to strict standards and he denied profiting from the suffering of ordinary Indians.

Majesty Legal Services deny using customers' contacts to recover loans. They told us their agents are instructed to avoid abusive or threatening calls, and any violation of the company's policies results in dismissal.

#nunyas news #there's likely a fairly simple way to scam the scammers

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riversfunding · 5 months ago

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The Autumn Budget is just around the corner, and with it many businesses are bracing themselves for updates to their impending tax bills. While we may ponder what any updates will look like, whatever the changes, paying VAT and Corporation Tax remain a necessary part of running a successful business, and so they need to be considered as part of the ongoing management of any organisation.

While they may both be necessary, they can be something of a logistical or cash flow irritant from time to time, taking up resources that you would no doubt like to put to better use. However, what many businesses are unaware of is that there are Corporation Tax loans and VAT loan facilities available to help you optimise your capital management, covering those necessities without losing out on opportunities to invest in growth or keep some cash in the bank for a rainy day.

Read more - https://www.riversfunding.com/news/did-you-know-you-can-get-a-business-loan-to-cover-your-corporation-tax-or-vat-payments/

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atdmoneyloan · 11 days ago

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Best Loan App in India: For all young new loan seekers

Looking for the best loan app in India? ATD Money is your trusted partner for quick and easy financial solutions. With a user-friendly app interface, it provides instant approvals, seamless loan disbursals, and flexible repayment options. Trusted by thousands, ATD Money stands out as a reliable option for all your financial needs. Experience the convenience and security of borrowing through India's top-rated loan app today.

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paydayloanmlb · 20 days ago

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Get Quick Cash Loans Online with Ease- Choose MLB Loan App

As a student or a young freelance worker, managing finances can often be a juggling, especially when unexpected expenses arise. Whether paying for a sudden course fee, covering daily essentials, or handling an urgent personal need, having quick access to cash is crucial. For those seeking immediate financial solutions, paycheck loans online have become a reliable and convenient option to address short-term monetary challenges without the hassle of traditional banking processes.

The demand for payday loans online same day in India has grown significantly in recent years. These loans offer a practical solution for people who need immediate funds without the hassle of traditional banking processes. With the help of innovative payday loan apps in India, borrowers can now access funds conveniently from their smartphones. The process is seamless, and fast, and eliminates the need for physical visits to banks, saving valuable time and effort.

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In a world where time is of the essence, quick and easy loan solutions are a game-changer. Paycheck loans online and payday loans online same day in India provide a practical and efficient way to address financial emergencies. With the help of payday loan apps, working professionals and youngsters can access small cash loans without the stress of traditional banking procedures. These platforms ensure that no bank visits are required for approval, offering quick cash loan approval and the financial flexibility needed to navigate life’s unexpected challenges.

#cashloan #loan #paydayloan #miniloan #businessloan #Payday loan apps #small cash loans #payday loan apps in India

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masllp · 1 month ago

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Company Registration Delhi by MASLLP: Your Gateway to Success

Starting a business in Delhi, India’s bustling capital, is a dream for many entrepreneurs. With its vibrant economy, diverse markets, and a supportive ecosystem for startups, Delhi offers immense opportunities. However, one of the critical first steps is company registration, which lays the foundation for a legally recognized and operational business. At MASLLP, we simplify the process, helping you navigate the complexities with ease and efficiency. Why Register Your Company? Company registration is essential for any business to operate legally. Here’s why it’s important: Legal Recognition: It gives your business a distinct identity and ensures compliance with government regulations. Trust and Credibility: A registered company gains more trust among customers, investors, and suppliers. Tax Benefits: Enjoy various tax advantages and exemptions available to registered businesses. Access to Funding: Only registered companies are eligible to secure bank loans or attract investors. Types of Companies You Can Register in Delhi MASLLP assists businesses in registering various types of entities, including: Private Limited Company Limited Liability Partnership (LLP) One Person Company (OPC) Sole Proprietorship Partnership Firm Section 8 Company (Non-profit organizations) Steps for Company Registration Delhi At MASLLP, we make the registration process straightforward and hassle-free. Here’s an overview of the steps involved: Choose Your Business Structure: Decide on the type of company that suits your business goals. Name Approval: We help you select a unique and compliant company name. Documentation: Submit essential documents like PAN, Aadhar, address proof, and other required details. Digital Signature Certificate (DSC) and Director Identification Number (DIN): We assist in obtaining these mandatory credentials. Incorporation Application: Filing the incorporation application with the Ministry of Corporate Affairs (MCA). Certificate of Incorporation: Once approved, you receive the Certificate of Incorporation, making your company officially registered. Why Choose MASLLP? MASLLP stands out as a reliable partner for company registration Delhi due to the following: Expert Guidance: Our team has extensive experience in handling complex registration processes. End-to-End Support: From documentation to compliance, we manage everything for you. Quick and Hassle-Free Process: We ensure your registration is completed in the shortest possible time. Customized Solutions: Tailored services based on your business type and requirements. Documents Required for Company Registration To ensure a smooth process, keep the following documents ready: PAN card of directors/partners Address proof (electricity bill, water bill, etc.) Passport-sized photographs Business address proof (rent agreement or property papers) Conclusion Registering your company is the first step toward building a successful business in Delhi. With MASLLP by your side, the process becomes seamless and stress-free. Our expert team takes care of all the intricacies, ensuring your business complies with all legal requirements. Let MASLLP help you turn your entrepreneurial vision into reality. Contact us today for professional assistance with company registration Delhi!

#accounting & bookkeeping services in india #audit #businessregistration #chartered accountant #foreign companies registration in india #income tax #taxation #auditor #ap management services

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asherbrien · 2 months ago

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How To Get A Cash Offer For Your Home?

Selling a home can be a complex and time-consuming process, but receiving a cash offer can simplify it. Cash buyers offer the advantage of a fast, straightforward sale with fewer contingencies, making it an attractive option for homeowners who want to sell quickly or avoid traditional real estate processes. Here’s a guide on how to get a cash offer on a home.

Understand the Benefits of a Cash Sale

A cash offer is an agreement where the buyer offers to purchase your home without requiring financing through a mortgage. This means there are no loan approval processes, and the deal can proceed faster. The advantages of a cash sale include:

Quick closing: Cash transactions can close in a matter of days, unlike traditional sales that take weeks.

No lender requirements: Without the need for bank approval, there’s less paperwork and fewer delays.

Fewer contingencies: Cash offers typically come with fewer conditions, such as home inspections or appraisals.

No repairs needed: Many cash buyers purchase homes as-is, so you don’t need to make costly repairs.

Find Cash Buyers

To get a cash offer, you first need to find potential buyers who are interested in purchasing your home with cash. There are several avenues to explore:

Real estate investors: Many investors specialize in buying homes for cash. These buyers are often experienced in fast, hassle-free transactions.

Real estate wholesalers: Wholesalers often act as intermediaries who find cash buyers and help facilitate the sale. They typically look for distressed properties and sell them at a markup to investors.

Online platforms: Websites like Zillow, Redfin, or Opendoor can help you get connected with cash buyers or companies that specialize in buying homes directly for cash.

Local homebuyers: You can also reach out to local investors or businesses that advertise cash-for-homes services in your area.

Get Your Home Appraised

Before receiving a cash offer, it’s essential to know the value of your property. While cash buyers might not require formal appraisals, knowing your home’s value ensures you don’t accept an offer that’s too low. You can:

Hire a professional appraiser: An appraiser will provide an accurate estimate of your home’s market value based on its condition, location, and comparable sales in the area.

Use online valuation tools: Websites offer instant home value estimates, though these are less accurate than professional appraisals.

Request Multiple Cash Offers

It’s a good idea to request offers from several cash buyers to ensure you get the best deal. A competitive market may allow you to negotiate a higher cash offer. Keep in mind that investors typically offer less than the market value since they need to account for potential repairs and resale.

Review the Offer Carefully

Once you receive cash offers, evaluate the terms of each one. Consider:

Price: Does the offer meet your expectations or come close to the appraisal value?

Closing timeline: Cash buyers can close quickly, but it’s important to confirm the timeline and ensure it aligns with your plans.

Contingencies: Although cash offers typically come with fewer contingencies, be sure to read the fine print for any conditions that could affect the sale.

Negotiate if Necessary

If you receive a cash offer that’s lower than expected but the buyer is serious, you may have room to negotiate. Some buyers might be willing to increase their offer or offer other incentives, such as paying for closing costs.

Finalize the Sale

Once you accept an offer, the buyer will typically send a purchase agreement, and you’ll need to sign the contract. Afterward, you’ll work with the buyer and a title company to finalize the sale, complete the necessary paperwork, and receive payment.

Conclusion

Getting a cash offer for your home can simplify the selling process and lead to a fast, efficient sale. By understanding the benefits, researching potential buyers, and carefully evaluating offers, you can make the best decision for your circumstances and sell your home quickly with minimal hassle.

#Cash offers #cash offer on homes #real estate #buy house #sell house

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