Some loan apps have caused more harm than good, as they invade your privacy by accessing your bank account and contacting your contacts on Android and iOS devices. Many of these loan companies are not registered with the government, which allows them to act with impunity, knowing that they won’t face consequences. Some of these lenders even resort to name-calling and belittling tactics when you can’t repay your loan, which is ironic considering they were the ones begging you to borrow from them in the first place.
When you provide your personal information and credentials to these fake loan apps, they store your address, workplace details, and financial history in their database. They can later use this information to harass you if you can’t repay your loan. In this article, we will show you how to block loan apps from accessing and contacting your contacts in various countries around the world.
How Loan Apps Gain Access to Phone Contacts
Loan apps can access your phone contacts in several ways:
1. When you grant them permission
Loan apps can access your contacts if you explicitly give them permission to do so. When you install a loan app, it may ask for access to your contacts. If you agree, the app will have access to your entire contact list and store it on their servers. They may use this access for identity verification, marketing their services to your contacts, or to collect debts in case of default.
2. Through your phone’s permissions
Some phones allow apps to access your contacts even without explicit permission. This is because apps can request access to your contacts at a later time.
3. Through security vulnerabilities
If there are security vulnerabilities in your phone’s operating system, loan apps can exploit them to access your contacts without your permission.
How Loan Apps Track You
Loan apps can also track your activities in various ways:
Some loan apps use your phone’s GPS to track your location for identity verification, targeted marketing, or debt collection purposes.
2. Device ID
Every device has a unique ID that loan apps can use to track your activity on their app.
3. App Usage
Loan apps can track which other apps you use to target you with ads and collect data about your interests.
4. Browser History
If you use the loan app’s browser, they may track your browsing history to tailor their ads to your interests.
How to Stop Loan App Harassment
To put an end to loan app harassment, follow these steps:
- Only grant permission to loan apps that you trust to access your contacts.
- Use privacy-focused apps that do not share your contacts without permission.
- Be cautious about the information you share with loan apps. Only provide necessary details.
- Check your phone’s permissions to see which apps have access to your contacts. If you find any untrustworthy apps, revoke their permission.
- Report any loan app that harasses you to the app store.
- Set a strong password for your phone.
- Keep your phone’s software up to date.
- Be aware of phishing scams and do not fall for them.
How to Prevent Loan Apps from Accessing Your Bank Account
Here’s how you can prevent loan apps from accessing your bank account:
1. Revoke permission to access your bank account
If you have already given permission to a loan app to access your bank account, you can revoke this permission by following these steps:
- Go to your phone’s settings.
- Tap on “Apps.”
- Find the loan app in question.
- Tap on “Permissions.”
- Tap on “Bank.”
- Tap on “Deny.”
You can also contact your bank to block the loan app’s access to your account.
2. Install apps from trusted sources
Only download and install loan apps from trusted sources like the Google Play Store or Apple App Store. These platforms have stringent security measures to prevent malicious apps from being uploaded. Apps downloaded from untrusted sources may pose a risk to your personal information, including your bank account details.
3. Beware of phishing scams
Be cautious of emails or text messages that request your personal information. These phishing scams are designed to deceive you into disclosing sensitive data. If you receive any suspicious messages from a loan app, scrutinize them carefully and contact the app directly to verify their legitimacy.
Ways to Prevent Loan Apps from Accessing Your Contacts
To stop loan apps from calling and messaging your contacts, consider the following measures:
1. Block access
When you download an app, it may request permissions to access various features on your phone, including contacts. To prevent loan apps from accessing your contacts:
- Open your Android or iOS device settings.
- Navigate to the Apps Manager.
- Click on App permissions.
- Find the loan app in question.
- Deny or allow access as desired.
If you haven’t granted permission, loan apps won’t be able to reach your contacts. However, beware that they may threaten to send messages, but without permission, they won’t be able to carry out their threats.
2. Use reliable loan apps
Only grant access to loan apps that have earned your trust. Stick to reputable loan apps to minimize the risk of being blackmailed. Read online reviews and ask friends for recommendations if you’re unsure about the reliability of a loan app.
Dealing with Harassment from 7 Days Loan App
If you are facing harassment from a 7 days loan app, take the following actions:
1. Block the app’s number
Block the loan app’s number on your phone to prevent further contact. Open your phone’s dialer, enter the app’s number, tap on the “i” icon next to the number, and select “Block this Caller.”
2. Report the app to the app store
If you downloaded the app from a reputable app store like the Google Play Store or Apple App Store, report the app to the store. Your report will help prevent others from being harassed by the same app.
3. Contact the app’s customer support
If blocking the number and reporting the app don’t stop the harassment, reach out to the app’s customer support. Explain the situation and request them to cease all contact with you.
Loan Apps and Contact Calls
In April 2023, Google announced a ban on loan apps accessing your contacts without permission. Loan apps used to call your contacts for debt collection purposes, but this policy change ensures they can no longer do so unless you grant permission. If you have already given permission, you can revoke it in your phone’s settings.
Loan Apps and Contact Messages
Similarly, loan apps used to send messages to your contacts without permission. However, following Google’s ban on accessing contacts, loan apps can no longer send messages to your contacts without your consent. If you have granted permission in the past, remember to revoke it in your phone’s settings.
Can Loan Apps Access Your Contacts After Uninstallation?
Once you uninstall a loan app, it can no longer access your contacts. Uninstalling an app removes it from your phone’s storage, preventing access to the app’s code and data. However, if you had given the loan app permission to access your contacts, they might have stored that information on their servers. To ensure privacy, revoke the app’s permission to access your contacts before uninstalling it.
In conclusion, it’s crucial to be cautious when granting permissions to loan apps and other mobile applications. Protect your personal information by only giving access to trusted apps and revoking permissions for untrusted ones. Stay vigilant against phishing scams and take the necessary steps to prevent loan app harassment. Remember, it’s essential to borrow only what you can afford to repay.