Expert Counsel

If you're considering borrowing from TopChance or are already a borrower, it’s crucial to understand some key aspects of repayment and how to protect yourself. Here’s what you need to keep in mind:

1. Unregistered Loan App

TopChance is not a registered loan provider, which means they may not adhere to the legal guidelines and regulations set by authorities. This could result in unethical practices, so it's important to be cautious when dealing with them.

2. Derogatory Messages to Contacts

If TopChance has sent offensive or disrespectful messages to your contacts, do not panic. While this behavior is both harmful and embarrassing, it is often used as a tactic to collect repayment through fear and pressure. Do not feel obligated to repay them under such circumstances. You can tell them you're prepared to handle the matter in court if they ask for repayment.

3. Defamation and Reputational Damage

If your reputation has already been tarnished by derogatory messages from TopChance, repaying them will not undo the damage that’s been done. At this point, the harm has been inflicted, and paying them back may provide little benefit in restoring your reputation.

4. Install TrueCaller for Spam Protection

To help identify and block unwanted calls from TopChance, you can install the TrueCaller app. This app identifies and blocks spam calls, providing a layer of protection from harassing calls.

5. Block Auto Debit from Your Bank Account

To prevent TopChance from automatically debiting funds from your bank account, it’s essential to block your bank card. Simply visit your bank and request a new card to prevent any unauthorized deductions.

6. Block and Report on WhatsApp

If you are receiving harassing messages from TopChance on WhatsApp, block their contact. In addition to blocking, you should also report them to WhatsApp so the platform can take action against their account and alert others about their behavior.

7. Report to App Stores

If TopChance is listed on the Google Play Store or Apple iOS Store, report the app to the store. By doing so, you’re helping others become aware of their harmful behavior, and it may even result in the removal of the app from these platforms.

Protect Yourself from Unethical Practices

Taking these actions can help protect you from further harm or harassment by TopChance. Whether it's blocking calls, auto-debits, or taking legal steps, you have the power to safeguard your financial well-being and reputation.

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