Are you trapped in the vicious cycle of borrowing money from Chinese loan apps?






Have you taken a loan but now find yourself unable to repay it?

 Is the skyrocketing interest rate causing sleepless nights and making you feel helpless?

 Don’t worry, you are not alone, and we’re here to guide you out of this mess. If you’re struggling to figure out how to repay the loan or escape the clutches of these predatory apps, you’ve come to the right place. 

We’ll help you with practical solutions, expert advice, and a clear roadmap to regain control of your financial life.

A Chinese app is harassing me. What should I do?

If you are being harassed by Chinese loan apps demanding an amount much higher than you borrowed, here’s what you can do to protect yourself and deal with the situation:

1. Stop Engaging with the Loan App Representatives

  • Do not answer their threatening calls or messages.
  • If they become abusive or start blackmailing, block their numbers.

2. Do Not Pay Extra or Unreasonable Amounts

  • Pay only the principal amount you borrowed, not the inflated interest or penalties.
  • Take screenshots of all transactions and communications for future reference.

3. Report the Harassment to Authorities

  • File a Complaint:
    Lodge a complaint with your local cybercrime cell (via their website or app) or contact the police.
  • Contact RBI or Relevant Regulatory Authorities:
    Report the app to the Reserve Bank of India or your country’s equivalent regulatory authority.
  • Mention the app’s name, the harassment faced, and the unreasonable terms.

4. Inform Your Bank and Update Your Contacts

  • Inform your bank and ensure no unauthorized deductions are being made.
  • If the app has access to your phone contacts, notify your contacts to ignore any messages or calls they might receive.

5. Use the Cybercrime Portal or Helpline

In India, you can use the National Cybercrime Reporting Portal (https://cybercrime.gov.in) or call 1930 to file complaints about digital frauds and harassment.

6. Raise Awareness

  • Share your experience online to warn others about the app.
  • Report the app on Google Play Store or App Store to prevent further downloads.

7. Seek Legal Help

  • Consult a lawyer if the harassment persists. They can help you draft a legal notice or assist in filing a case for mental harassment.

Key Points to Remember:

  • These loan apps often operate illegally without proper licenses.
  • You are legally not obligated to pay exorbitant or unregulated interest.
  • Authorities are actively cracking down on these apps, so your complaint will contribute to action against them.

Stay calm and take action step by step. Avoid further interaction with the app, and let the law take its course.


What should I do if they say they are going to make my edited photo viral?


If a Chinese loan app is threatening to make your edited or morphed photos viral, follow these steps to protect yourself:

1. Stay Calm and Avoid Panic

  • Understand that their primary goal is to intimidate you into paying.
  • Most of these threats are bluffs to scare you.

2. File a Cybercrime Complaint Immediately

  • National Cyber Crime Portal (India): Visit cybercrime.gov.in to lodge a complaint. Provide details of the threats, including screenshots of chats, messages, or calls.
  • Contact Police: File a complaint at your nearest police station or via the local cybercrime department.
  • Threatening to defame someone is a criminal offense, and the police can act against such harassment.

3. Inform Your Contacts in Advance

  • Let your friends, family, and colleagues know about the blackmail attempt.
  • Ask them to ignore any such messages or photos if they receive them. This reduces the impact of the loan app's threats.

4. Block and Stop Communication with Them

  • Block the numbers they are using to contact you.
  • Do not engage with them or give in to their demands.

5. Document the Harassment

  • Take screenshots of all communications (messages, calls, emails).
  • Save the loan app's name, details, and any evidence of their threats.

6. Spread Awareness About the App

  • Report the app on the Google Play Store or App Store.
  • Share your experience on social media or forums to warn others about the app's illegal activities.

7. Consult a Lawyer for Legal Action

  • A lawyer can help you draft a legal notice or file a case for mental harassment and defamation.
  • They can guide you in taking further legal actions to prevent the misuse of your photos.

8. File a Complaint with Consumer Forums

  • In India, you can approach the National Consumer Helpline (1800-11-4000) or file a case in the Consumer Forum for unfair practices.

Key Points to Remember:

  • Publishing morphed photos without your consent is a punishable offense under laws such as the IT Act, 2000 in India.
  • You are not legally obligated to pay inflated or unregulated amounts, and such apps often operate without proper licensing.
  • Law enforcement agencies are cracking down on these illegal apps.

Stand firm, take action, and protect yourself. Do not let their threats control you.


-Krishna Chetry

If you have any Questions Feel free to Contact Me

Thankyou