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This is Phillip Heron.Phillip Heron was a 34-year-old single dad to three adorable children.Phillip loved his kids incredibly. As much as any father could love their children. He wanted them to have the best in life. He wanted their lives to be better than his.He was a single dad. He was responsible. He always had money before and his kids got the best of everything.But Phillip resigned from his job as a factory worker in order to look after his beloved kids. And eventually he got into debt, which was extremely difficult for him.Phillip struggled to feed and clothe his three kids while he looked everywhere for new work. He fell hopelessly behind with the rent and was trying desperately to repay debts accumulating to a total sum of £20,000 - some of which were payday loans of 1,000 percent interest.He applied for government help but had to wait a month for Universal Credit which only drove him even further into debt.Eventually Phillip only had £4.61 left in his bank account. Furthermore he had received an eviction letter from Bernica Homes housing association.It all finally got too much for Phillip. In a heartbreaking final act Phillip uploaded a picture of himself crying to social media as he sat in his car on a quiet country lane on the 18th of March 2019.Then… He took his own life.Here he is. Weeping. Quivering. Heartbroken…You can see everything he’s feeling in this one painful photo.This was how he spent his final moments on earth. Alone.Just a few minutes after taking the photo he was dead.In a suicide note, he said his kids would be better off without him…Now three kids have to grow up without their loving father….My condolences go out to Phillip’s family.Love Z.EDIT: Whether him committing suicide was right or not is not the point here. The point of the answer is how he looks right before he dies. You can see the emotions he’s feeling. The pain trickling down his face.Phillip once looked like this:Looking at what he once looked like compared to what he looked like in his final moments has to draw up some pity in even the coldest of hearts.Please stop insulting a dead man.Love Z

My Answer is purely based on my observation. I have a Repair Credit Club business and MANY..MANY of my client have been faced the Dangerous Side effect of the Loan App in their Credit Score fiasco!I do have some suggestion for instant loan app for people which I WON’T GIVE HERE!There are way too many loan apps available on App Stores and I noticed many of them using a very similar looking Design, kind of a App Template. Which makes it easier for someone who just wants to Steal the data of an applicant to sell it. The kind of Data people are usually scared to share with Government (eg. AADHAR linking), people are very easily giving their sensitive information to these Loan APPs without even knowing if they are really RBI Registered NBFC or not!Processing Fees : a Technical terms used by these Loan APP to charge you more, they are already making money from the interest but this whole Processing Fee drama gives them another opportunity to get more money off you. Sometime it even feels like that IT IS NOT THEM WHO ARE HELPING YOU BY GIVING A QUICK LOAN but instead YOU ARE HELPING THEM MAKING MONEY!NACH/ECS : some use this to get money debited form your account. But it can also be very risky, Because sometime when you pay them manually and ECS still happens. It takes a lot of time to get refund when the only contact information given by them is their EMAIL ID, No Address No Phone Number. Plus Suppose you prepaid the Loan, ECS still happens, You didn’t have sufficient money in your account because you PAID THE EMI, even then you are fined by your bank immediately, And these Loan App people WILL NEVER REFUND!Recovery : Most of these LoanApps will go out of their limit to recover their loan payment, specially if they are not registered NBFC means they are not obligated to follow any RBI’s law for LENDERs. They can misuse your data to harass you in any possible way!DATA SAFETY : Allow Contact [Yes/No] other than giving them your AADHAR, PAN, Bank Info, Your Pics, Signature. You will also have to share your CONTACTS, which is just a 10–50kbs file and after you TAPPING on “YES” ; it gets uploaded to their server imminently! Which is handy for them to Call your Friends, Family, Office People when you Default on their loan.Loan Default : I have already explained in the previous point Why this is the worst situation for a borrower to get themselves into and end up facing with these loan apps!

Abhay* and me were truly ‘friends in need’. We knew, whatever falling apart we may have, we always had each other’s back.Exchanging money was a common thing between us, returning period was never time bound.Then tragedy struck. His dad was admitted in hospital. He was in dire need of financial support. I knew I had to help him in anyhow, and so did a few other common friends. The problem was, we all were falling short of cash.I narrated his story to two of my friends, let's say x and y. They didn't fail me.So here I was, collecting fund for my friend's father. Since it wasn't my money, I specifically told him to return ASAP. We had an agreement of 2 months and the money was instantly transferred.Four months passed when all of a sudden I get a message from x. His sister was in hospital scheduled for an urgent surgery. He needed money instantly. I transferred him whatever I had, to the last penny. Technically, I owed him a part of it, on behalf of Abhay.Another two months passed. Y was planning his wedding. He asked me for help. So I returned him whatever was his contribution for Abhay. (Note here, he never asked for his money. He said it was his contribution towards a greater good. He just asked me for some loan which he wanted to return but that wouldn't have been fair, right?)All this while, I constantly kept reminding Abhay that my friends had helped him as a favor to me. He did return some part of that amount over the course of another 4–5 months.One day, he snapped! His exact words were,“Don't behave as if you've bought me with that money. I don't like to be constantly pestered about your meagre amount. Tell me what do I owe you. I'll pay it right away. Just stop bothering me! I have bigger issues to focus on.”I was shocked, hurt and deeply remorseful, less for his attitude, more because I felt like I'm behaving like the bank when you don't pay your credit card bills on time.I stopped bothering him.And then, he blocked me on Whatsapp!Through Facebook I came to know about his wedding.Then I saw his honeymoon pics.Then his birthday celebration pics.Then came the weekend getaway pics.I unfollowed him on Facebook a year ago when I couldn't take it anymore, didn't block him for the sake of the faintest ray of hope.We never spoke again.*Name changed to protect privacy. I still have manners.