Data Breach: Lagos Journalist blows hot, threatens to sue 9Credit for defamation

Data Breach: Lagos Journalist blows hot, threatens to sue 9Credit for defamation

An inflammatory and defamatory text message sent to a renowned Lagos journalist,.Mr. Muyiwa Lucas who works with a leading mainstream newspaper, may snowball into a litigation if the lending platform involved fails to apologise in three major Nigerian newspapers in the next one week.

A renowned journalist who works with The Nation Newspaper in Lagos, Mr Muyiwa Lucas has threatened to sue 9Credit, a lending platform hosted on Google Play Store and it’s parent company, OTP Internet Technology based in Lagos, for sending defamatory and blackmailing messages to him on his telephone number this morning.

The lending company, 9credit, on Wednesday morning (today) had sent a blackmailing text message to Lucas’ mobile number intimating him of a loan gone awry given to a certain to one Mr Shola Akinyele.

However, the content of the text does not sit well with the ace journalist, who is now demanding an official apology from 9Credit within 7 working days, failing which he has threatened to drag the loan app and its parent company, OTP Internet Technology to court of law to seek redress.


“I woke up this morning to read the text message from 9Credit loan platform claiming my name and number was used as collateral at the time of granting a said loan to one Mr. Sola Akinyele. Did 9Creditt contact me before granting the loan? No! So why sending me this very annoying, disrespectful, embarrassing and blackmailing message over a transaction I’m not privy to?”, a visibly angry Lucas asked rhetorically.

He said it was hightime firms like 9Credit are made to face the consequences of their actions or inactions as a deterrent to others.

Consequently, the journalist has given a 7-day ultimatum to 9Credit to publish an official apology in three Nigerian national Newspapers or face litigation.

See below the infuriating message :

Phone 08024563894 Name Shola Akinyele Good day, the above named person took a fund from NC and has defaulted for several days, broken all contractual agreements that were in place when this fund was taken and has refused to repay the fund and has proven to be a person of questionable character. DISGRACE IS INEVITABLE AT THIS POINT, AND YOU BEING A FRIEND / FAMILY SHOWS THE KIND OF PERSON YOU ARE AS BIRDS OF A FEATHER FLOCK TOGETHER. YOU WERE USED AS AN EMERGENCY CONTACT. SO, CALL AND TELL THIS INDIVIDUAL to make payment now.IF YOU WERENT INFORMED WHILE THIS fund WAS TAKEN, ASK FOR YOUR DETAILS TO BE REMOVED FROM OUR WEBSITE AS YOU WERE USED AS THE EMERGENCY CONTACT.

9Credit… for defaming cuctomers contact who were never party to a loan, 9Credit has joined list of blacklisted loan apps on our list.

For this data breach, 9Credit has become blacklisted on our blog list and we enjoy Nigerians to boycott the loan app henceforth.

9Credit… for defaming cuctomers contact who were never party to a loan, 9Credit has joined list of blacklisted loan apps on our list

This is the link to 9Credit on Google Play Store. Nigerian consumers and quick loan seekers should boycott this app. Its practive and mode of operations are unethical and unbecoming.

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This is the link to LCredit website. Nigerian consumers and quick loan seekers should boycott the platform, It has already been taken down by Google Play Store.

Please do not download their app from any other source.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.


  1. Dear Sir,

    Loan apps are in sending defamatory messages to my contacts , business partners clients / customers. and this defamatory messages are misleading and have caused more pains and damages in my businesses contacts and contracts and loss or respect and trust among my friends and family members.

    This defamatory have made me lose trusted friends and business contracts what millions and to my greatest surprise the loan apps don’t have physical offices or address for visit or to lay complains that is why they choose to send defamatory messages they don’t care who gets it or who receive it.

    1.9JA CASH

    Bank details
    Solo Lending Richloan
    Account: 1023408536

    Manger number: 08061745060

    Account detailed info
    Fast Money

    3.9 Credit

    Phone: 08178858270

    I have attach here with the messages

    Please help me am in pain i don’t know where to run to.


  2. Please do what ever you could to stop them from embarrassing people and teach others a lesson, infact FG should stop all this online loan App, we will be very happy, before there is no online loan we still live because they are killing people in silent.

  3. Where are these people located? Cos from what i heard they dont have an office, some are not even registered nor have an operating licence

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