During the challenging times like covid people often look for financial aid at times when they have lost the job or if there is an emergency. The loan apps tap into these market by making money easily available but at a higher rate of interest and shorter pay back time. And if any individual defaults the repayment even by a day the recovery agents of these loan apps start harassing the individual to the maximum extent of sending indecent texts , calling everyone on the contact list of the individual, threathening to leak their pics for inappropriate usage, calling names and defaming the person in front of relatives and friends.