Debate Topic Who first broke the agreement between borrowers and loan app companies

Was it the borrower who failed to repay on time, often due to predatory terms or financial hardship?

Or did loan apps break trust first by hiding fees, changing repayment dates without consent, or using abusive collection tactics?

In this debate, we unpack:

The fine print most borrowers don’t read

Real stories of aggressive loan app practices

Whether "technical defaults" justify harassment

Who holds the moral and legal responsibility when an agreement breaks down

📌 Join the conversation in the comments:

👉 Whose side are you on – borrowers or loan apps?

👉 Have you or someone you know experienced a broken loan agreement?