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Defaulters were threatened with messages containing fake FIR case numbers, owing to delays in repayment of loans Many of these applications advertise across social media platforms to lure customers. They charge ridiculously high interest rates (from 35-65 per cent). They are illegal and are not registered lenders as they are neither connected to banks nor NBFCs. Investigators reveal that upon downloading these loan apps and applying for a loan, the phone numbers of the borrowers/customers and their family members are instantly shared by the lending firm to their tele-callers and loan agents. […]