Aviator
Elder Lister
Caller: Good afternoon Mr. ****.
Me: Good afternoon madam.
Caller: My name is Ida and am calling you from Branch in regard to a loan of 2800 that you took in 2021 March. Why have you not paid back?
Me: Come again please. You said you are calling from which bank?
Ida: I am calling from Branch. Where you took a loan last year
Me: Am not getting you. Which branch and which bank is this you are calling from?
Ida: I mean the money lending app that you used to borrow 2800.
Me: Ooh, you mean there's a money lending app called branch? What are your terms?
Ida: We lend money to active mpesa subscribers at 10%. You used the app on ...
Me: ooh, wonderful. And what are your requirements? Like security? Paperwork?
Ida: No,we don't ask for security. It's all done online. No papers to sign. So I was asking why haven't....
Me: Wait a minute. You mean anyone can get this loan? And what guarantee do you have they will pay?
Ida: As they continue borrowing and paying, they qualify for larger loan amount. Like if you pay the pending 2800, you automatically qualify for....
Me: That's very good. And Incase someone doesn't pay, what do you do?
Ida: We blacklist them and share the details with other lenders, so they will not be able to access further credit in case of an emergency.
Me: Alright, I get it now. And what grace period do you give just incase someone is having a temporary setback and can't pay on time?
Ida: We give 6 months, then we blacklist the person. Now your loan is over one year and we have been patient...
Me: So if you blacklist people after 6 months, and my loan is over one year, then I won't be able to qualify for more like you told me earlier. Is that the case?
Ida: No, we haven't blacklisted you as yet. That's why am calling to give you a chance to clear now and borrow more immediately.
Me: I think you are tricking me. Because you told me you blacklist after 6 months
Ida: No, in this case, we haven't blacklisted you because we understand that we have been having a hard time as a result of COVID.
Me: So you are guaranteeing me that if I pay 2800 now, you will give me more? And how much?
Ida: Yes. Immediately you pay, you qualify for 4000.
Me: That is Wonderful. Just that I have a small setback and I think you can assist. As you know, covid is not yet over, and there's the Russian war and elections. So times are even harder. Would you be kind enough to lend me 4k but retain the 2800? I will really be grateful. I promise I will pay before the year.....
Ida disconnects.
Me: Good afternoon madam.
Caller: My name is Ida and am calling you from Branch in regard to a loan of 2800 that you took in 2021 March. Why have you not paid back?
Me: Come again please. You said you are calling from which bank?
Ida: I am calling from Branch. Where you took a loan last year
Me: Am not getting you. Which branch and which bank is this you are calling from?
Ida: I mean the money lending app that you used to borrow 2800.
Me: Ooh, you mean there's a money lending app called branch? What are your terms?
Ida: We lend money to active mpesa subscribers at 10%. You used the app on ...
Me: ooh, wonderful. And what are your requirements? Like security? Paperwork?
Ida: No,we don't ask for security. It's all done online. No papers to sign. So I was asking why haven't....
Me: Wait a minute. You mean anyone can get this loan? And what guarantee do you have they will pay?
Ida: As they continue borrowing and paying, they qualify for larger loan amount. Like if you pay the pending 2800, you automatically qualify for....
Me: That's very good. And Incase someone doesn't pay, what do you do?
Ida: We blacklist them and share the details with other lenders, so they will not be able to access further credit in case of an emergency.
Me: Alright, I get it now. And what grace period do you give just incase someone is having a temporary setback and can't pay on time?
Ida: We give 6 months, then we blacklist the person. Now your loan is over one year and we have been patient...
Me: So if you blacklist people after 6 months, and my loan is over one year, then I won't be able to qualify for more like you told me earlier. Is that the case?
Ida: No, we haven't blacklisted you as yet. That's why am calling to give you a chance to clear now and borrow more immediately.
Me: I think you are tricking me. Because you told me you blacklist after 6 months
Ida: No, in this case, we haven't blacklisted you because we understand that we have been having a hard time as a result of COVID.
Me: So you are guaranteeing me that if I pay 2800 now, you will give me more? And how much?
Ida: Yes. Immediately you pay, you qualify for 4000.
Me: That is Wonderful. Just that I have a small setback and I think you can assist. As you know, covid is not yet over, and there's the Russian war and elections. So times are even harder. Would you be kind enough to lend me 4k but retain the 2800? I will really be grateful. I promise I will pay before the year.....
Ida disconnects.
