Dear Compliance Department,

This is a formal demand for the immediate cessation of your unlawful activities, including harassment, unauthorized disclosure of my personal data, and defamatory communications to third parties.

Your conduct violates consumer protection and data privacy regulations enforceable by the Federal Competition and Consumer Protection Commission. Sharing my personal information with unrelated third parties without lawful justification is a serious regulatory breach.

You are hereby directed to:

• Stop all communications to my contacts.
• Delete unlawfully obtained or improperly processed data.
• Confirm in writing within 48 hours that you have complied.

If you fail to comply, I will escalate this matter to the appropriate regulatory authorities and initiate further legal action as necessary.

Govern yourself accordingly.

Regards,

[Your Full Name]

Subject

FORMAL CEASE AND DESIST NOTICE – DEFAMATION AND HARASSMENTFORMAL CEASE AND DESIST NOTICE – DEFAMATION AND HARASSMENT

Dear Sir/Madam,

I write to formally notify you to immediately cease and desist from all defamatory, harassing, and unlawful communications directed at me, my contacts, or any third parties in relation to the alleged loan obligation.

Your actions, including sending false, misleading, or damaging messages to my contacts, constitute defamation, invasion of privacy, and harassment under the applicable laws of . Such conduct is unlawful and actionable.

Take notice that:

1. You must immediately stop contacting any third parties regarding my personal matter.
2. You must retract any defamatory statements already circulated.
3. You must cease all forms of intimidation, threats, or reputational attacks.

Failure to comply within 48 hours of receipt of this notice will leave me with no option but to pursue formal complaints and legal remedies without further notice.

This letter serves as a final warning.

Sincerely,

[Your Full Name]

Dear Sir/Madam,

I am issuing this formal notice regarding your continued harassment, threats, and defamatory practices related to an alleged loan account.

Your actions are inconsistent with ethical lending standards and may constitute regulatory violations subject to review by the Central Bank of Nigeria and other competent authorities.

You are hereby required to:

1. Immediately cease defamatory publications and harassment.
2. Stop contacting any third parties concerning my account.
3. Provide lawful documentation supporting any outstanding claim.

Failure to comply will result in formal regulatory complaints and legal proceedings without further warning.

This correspondence shall serve as evidence of prior notice.

Sincerely,

[Your Full Name]

If you are owing apps like Fairmoney, Palmcredit, Okash, Easemoni, etc., you need to report their criminal activities to the CBN. Most of them are exploiting Nigerians, and we must fight to regulate them so that they can do the needful. Use ChatGPT to compose a professional email, send it to them, and copy the addresses below:

cpd@cbn.gov.ng

contactcbn@cbn.gov.ng

To get the full list of apps you can report to the CBN, kindly visit the link below.

https://fccpc.gov.ng

To report to the CBN, please fill out the form below.

https://forms.office.com/pages/responsepage.aspx