NewStats: 3,262,878 , 8,178,444 topics. Date: Tuesday, 03 June 2025 at 09:58 PM 124y3l

“I Helped a Nigerian Friend Get a Loan in Canada, But He Ghosted Me Without Paying” – Abroad Life.

She tried to be a brother’s keeper but she ended up with regrets.

Cynthia tried to be a brother’s keeper by offering to co-sign a car loan for a fellow Nigerian in Canada four years ago – that decision has caused her regrets, pain and financial loss since then. In this edition of Abroad Life, she shares how the debtor evaded arrest in Canada and travelled to Nigeria to get married while her credit continues to suffer.

Where do you currently live, and when did you relocate from Nigeria?

I live in Alberta, Canada. I left Nigeria in 2015 but was in Australia before moving to Canada.

Why did you leave Australia for Canada?

I was just curious about Canada. It was my first choice, and when I got the opportunity to apply for permanent residency, it was a better option than Australia, where I had a working visa. Canada was also way cheaper and had what I was looking for.

How long did you live in Australia?

About four and a half years.

Wow. So, how has life been since you moved to Canada?

It’s been good. I came during COVID-19, so there was a lot of uncertainty when I started my journey here. I stayed in a friend’s basement for the first few months before getting my one-bed apartment. I felt very alone in the first few months.

Has that changed?

I’ve been trying to have more fun than I typically allow myself to. I’ve also taken it upon myself to go the extra mile to meet new people. Sometimes, I volunteer and do whatever I can to connect with the community. But I’ve had one experience that scarred me here in Canada.

What happened?

While trying to make new friends and connect with other Nigerians, I met a guy who happened to be Nigerian. We eventually became friendly, but things took a different turn when he needed to buy a car. After he told me about his plans, I saw a Facebook ad for a company that sells cars to people with no credit history or poor credit, which was the category he fell into. I ed them and told them my friend wanted to buy a car. After starting the conversation with them, I sent him their details. This was 2021, by the way. After he started the conversation with them, they ed me again and asked if I could help him co-sign so he could take out a loan to buy the car.

Oh… That’s an ask

They also added that I would be taken off the co-sign deal after 6 months. Knowing that I’d be held responsible if the person forfeited his loan, I made him assure me that he wouldn’t give me any reason to regret my decision, which he did. I also confirmed with the company again if they wouldn’t start telling stories when it’s time to drop off from the co-sign deal. They assured me and said they wanted to give me a $1,000 incentive for referring a customer to them.

What happened next?

I collected the referral bonus and gave the guy out of it so he could add it to whatever he had to repay. The car itself was about $20,000 by the way.

I was too trusting and rolled with everything the guy and the car company said. I chose to help because he was Nigerian, and I would like to be helped if I ever found myself in that position. After some time, the agent I spoke to at that company stopped picking up my calls, so I decided to call the company’s direct line. Mind you, this was now almost a year later. The company connected me to someone else who told me that the guy I stood in for would have to reapply for the loan without me and get approved before they could remove me. He reapplied the first time but wasn’t approved.

What went wrong?

I can’t say for sure. For whatever reason, he chose not to reapply after the first one didn’t go through. At this point, this guy and I were no longer in the same city. He was still repaying the loan I co-signed, but sometimes, he wouldn’t pay or be late. The company will always call me first. There was a time when he missed the 30-day payment mark, so my credit got hit, which affected me. I was in a new city at the time, trying to get insurance for my car. They didn’t allow me to pay monthly because that affected my credit. I had to pay a lump sum for one year of insurance, which is a lot of money.

I can’t explain enough how stressed I was by everything happening in that period. Anyway, I tried to call him after that, but he stopped responding. He would respond to some messages and ignore others. He blamed it on poor reception and made other excuses. I kept getting several calls from the car company. My credit kept getting worse. I spoke to some lawyers to see if there was a way I could get myself out of that situation, but there was nothing they could do. I was so frustrated. You know how I mentioned that he was still occasionally responding to messages?

Yes. Did that change?

He stopped. I started wondering if he was dead. The loan was still about $18,000 at this point, but I was no longer hearing from him. He also blocked me on social media. I found his family on social media and started sending them messages. They didn’t respond, so I dropped the messages in their comments section. That forced him to reach out to me. His sister also sent a message, telling me to stop what I was doing. The guy and I later had a long conversation, and he said he would sell the car and ultimately pay off the loan. Guess what?

What?

He didn’t sell the car; he ghosted again. The lawyer I ed before suggested arresting him, but we were friends, and I didn’t want to go down that road, so I tried reaching him again. He reached out, too and told me that he lost his brother. I was sad for him at this point, but it felt like another excuse to evade his responsibility. Later, I learned that the guy went to Nigeria to get married. I found his wife on LinkedIn, where she was teaching people how to make money. I reached out to her, and she kept saying he would pay. They all ghosted again after that. I had to start the legal process. I’ve tried to serve him twice, but no luck. I know the guy is no longer at the address he gave me.

That’s insane!

It is. Later, he ed me again and said he had sold the car. But that didn’t do much because the interest had accumulated, and I was still repaying it out of my pocket. I’ve been on this shit for almost four years, and the loan still isn’t fully paid. That single decision has affected my life badly.

I’m sorry. Is there hope of getting out of this situation soon?

There’s less money to pay now. But the emotional effect is still as daunting as ever; I have grown not to trust people. For example, instead of partnering up with someone else to buy a property for investment, I’d rather do it alone or not. I’m still repaying out of my pocket. But I got a new job, and it pays more.

I’m happy for you. On a scale of one to 10, how happy would you say your life is in Canada?

Funny enough, it’s still a solid seven. My family and friends are ing me through this, and I love the life I’m building here. My business is also thriving, so that’s a win for me.

Source: https://www.zikoko.com/citizen/abroad-life/my-nigerian-friend-ghosted-me-after-i-helped-him-get-a-loan/

Wow! What an experience...

Three things you can do.

1) Remove the from your credit
the credit bureaus in Canada, report the as fraud. They may seek police report but most will remove it within 30 days. This is a normal occurrence. If they need police report, just complete the form simply as "fraudulent ." Don't add anything more. The reason is fraudulent can mean many things from identity theft, to cong for someone whose intent was to ghost and defraud you, which is your case. Once they remove the , credit reports will block it from reporting.

2) Gangster move - repossess the car
Yes you have right to repossess it since you are on the loan. Work with a repossession company, repossess the car and park it in your garage. Tell them they have two options, sell the car and payoff the loan or refinance it alone.

3) Legal
Since you are the cosigner, you are still liable for the debt if they default and can be sued too. So, if you want to save yourself from that, file a lawsuit, provide evidence of them ghosting you and missed payments, which is causing you undue hardship. The judge will relieve you from the contract and send the lender a copy, or force him to return the car

You be learner.

Stop borrow people money in abroad. There are many credit facilities there..show them that direction

Na different ways to learn in life.

You took loan on behalf of someone, like seriously?

So sad

Why would you even make such a mistake?

You should know by now that most Nigerians generally do not like to repay loans!

There was a reason he had terrible credit yet you felt having to co-sign on a loan with him was a good idea, you could have told him to save some money and buy an affordable car since he couldn't afford the one that got you in this mess.

I hope you have learnt your lessons though.

People can be so damn dishonest especially Nigerians overseas

Y

Omo naija bad egg spotted.

Hmmm

You enter street go de help man wey no be your husband? Them go run you street now. That man was supposed to come and marry you so that if yawa ghass, you both will be in the shi** together

Fr

I wish Nigerians were more honest, both home and in the diaspora.
Things like these make the honest ones get refused of help when they need it most.

Hmmm

Sometimes I wonder why people behave the way they do sometimes. It is weakness to think or even try to manoeuvre someone who made himself vulnerable to your cause .
I am always forever indebted to whoever makes life easier for me in one way or the other

Anyway, I am looking for a job in Abuja

You self done over do

You go day borrow Nigeria person money

Go and ask easy-buy and palmpay what their eyes saw in the hands of Nigeria citizen

Na wicked president really fit us, we are too self centred in this country

Someone owes me 55k going to 4 years the guy still day ask me Wetin I won do 😏😏

I can only dash you money, nothing like borrow or using me as a front

You've learnt the hard way.

Mr. Guarantor, well done o...

Thank God for the opportunity to learn a new meaning of friendship.

Pathetic . I learnt my lesson in HARD WAY. Next
time,let them use their family to stand as his/her guarantor.



Anybody that use God name beg u,AVOID dem

NewDigitalWorld:

Source: https://www.zikoko.com/citizen/abroad-life/my-nigerian-friend-ghosted-me-after-i-helped-him-get-a-loan/

My Nigerian neighbor here in the Gambia Banjul came to beg me for a loan one midnight that her daughter fell sick, she needed to take her for emergency treatment . She made a promise to pay back the next day ooo.. Omo the next day I didn’t hear from her I waited two days went to her house to look for her cos her number was not connecting . Omo d woman don pack out oo she absconded with my money.. you see Nigerians ehn !!

If you believe this story, I have an ocean, a mountain, and a jar of wind to sell for you

Double wahala by Fela Anikulapo Kuti featuring Oritshefemi na him be the one....Sorry o !


We your Japa dreams dear Nigerians, but please don't go and cause wahala for your fellow Nigerian.

Check below for serious Japa runs....Not cheap o. Serious candidates only !

Fear Nigerians!

We lack morals.

In western , it’s called foolishness!

Co-sign for a loan you have no business with?

90% of western kids won’t even do it for their parents

Even if you will do in worst case scenario, it should be an amount you can offset when he defaults!

Many people are just too wicked and ingrate.

It’s what it is.

Send a Petition to the Police for fraud. Then, send a scanned copy of the received copy of the Petition via email to the Hon. Minister of Immigration, Refugees and Citizenship Canada.

They will deport him do fast, he will feel dizzy.