I have never been one to go for loans through these digital platforms, but I have witnessed situations where individuals take loans from platforms like Opay, FairMoney, PalmCredit, Carbon, Branch, and OKash. For some who couldn’t pay up, they are tracked through their family members or even friends. This is because they dropped their numbers as guarantors. So, once they fail to pay back at the due date, these guarantors are messaged, pressured, and basically obliged to tell the ones who took the loan to pay up. From there, the lenders don’t stop as they start threatening them.