People are faced by different emergency situations and faced to take a step to resolve this. Some of the decision made is to opt for a loan. When someone takes a loan using a mobile devise, and probably fails to repay on time, threat messages are wired to contact list. Mark you, someone has probably get in touch with the lenders but still they will continue to ruin someone's reputation by sending messages to random contacts. They should be a rule to end/ control this.