Paper and toner for photocopy shop

Ruth    Jun 22, 2020

RISK MONEY REFUND
Ruth Musela Jun 22
Hi Zidisha Team,

I am writing to complain the way you are handling my situation as though l have defaulted with you money where as the people you are involving you are not being sincere to let them know that you have my Risk Money to the tune KShs.75,680/ which you can always deduct and refund me the balance of KShs..54,076 which leaves a sum of KShs.21,604/= instead of communicating to me you are tarnishing my name I am releasing to all of the people you have conducted with the communication and all the information about the loans and the amount of money you have been deducting but l still pay the full amount with the understanding that when l decide to stop taking loans from you I am supposed to get the deducted money back but you have decided to make me look like a bad person who has defaulted you have not even replied my message of 17th June 2020 please straight forward with everyone its so unfortunate the way your office is handling my situation I am very disappointed.

Think about this situation so that the same should not happen to any other person in the Zidisha
Family because this is uncalled for.

Regards,
Ruth Musela
Reply
Ruth Musela Jun 17
This message came late and since l responded to it l have not heard from your side instead l get just reminders please can someone let me what l am supposed to do since l am financially down l have to close until God knows when this is a globally pandemic and l believe for the time being we hold the solution in our hands. Thanks

Regards,
Ruth Musela
Ruth Musela Jun 17
Hi Julia,
Apparently on my side I do not have the said communication.
I would love you to reconsider, mighty be some people have not been affected just like l have been am sorry l cannot promise to pay any money at the moment.

I can't understand why my risk money can't stands in the gap for such a scenario. I believe you understand how we who can't work online and our potential clients have closed indefinitely, what do you want me to do?

Remember this is a global calamity which l believe you people should understand we have been hit really hard. I am sorry to say that l would not lie to you that l can go to the adjustment of loan section to adjust the amount of money to pay while l have closed the business until am back on my feet and l hoped the balance as l quoted would be able to atleast assist me in one way or another.

I am awaiting your favourable response l have been a long time borrower on this platform and l have never faulted in my payment am l asking too much from since this is not my making.

Regards,
Mrs. Ruth Musela
RISK MONEY REFUND
admin May 29
Dear Ruth,

I'm so sorry for the delay in responding. There was a technical error which caused us to not receive your message until now. The error has now been fixed.

I'm afraid we do not have any way to use risk funds to offset loan repayments due. If you cannot afford to pay the full amount due but can pay just one unit of currency per week, I do encourage you to use our Adjust Installment option. We offer it in order to help anyone who is in financial difficulties and have relaxed restrictions around its use in response to the Covid-19 situation. You can adjust your installments to pay as little as you want (down to 1 unit of currency per week) and can use it as many times as needed until the situation improves.

Using this option will reset your on-time repayment status so that you will no longer receive collection messages and you can maintain your on-time repayment rate, and there is no fee or charge for it.

Please let me know if you have any questions or difficulties.

Kind regards,

Julia Kurnia
Zidisha team
Ruth Musela May 20
Hi Lenders,

I very grateful the way you assisted me in building my business l will always be grateful. Due to the covid-19 I am having a big challenge and sometimes l delay in paying and was requesting as l have calculated my Risk Fund since l started borrowing from you is KShs.75,680/= and the balance of the loan is Kshs.54,076 l would like to request that you deduct from my Risk Fund which will leave me with KShs.21,604/= you refund me. I would be very grateful.

Thanking you in advance for you kind consideration.

Regards,
Mrs. Ruth Victorine Musela


My Lenders I sorry to bring this to your notice because nobody wants to handle the problem in question instead they have send a email to the people who know as l am a defaulter and some of the emails they have not responded back because we have been applying for loans and you are not given in full and they told us we will have the deducted money back when you stop borrowing. Due the pandemic l have put in plain they deduct my balance loan from the risk fund and refund me the balance but they have turned a deaf year and decided otherwise that's why l have decided to write to you and forward my correspondence to you.

Regards,
Ruth Musela

Ruth    Apr 24, 2020

Hi,

I am sorry I am only able to pay the above mentioned money ate the moment thanks.

Regards,
Ruth Musela

Ruth    Mar 16, 2020

Hallo,

At the moment this is what l am to pay weekly bear with me. Thanks.

Regards,
Ruth Musela

Ruth    Feb 7, 2020

I am unable to pay more l have some financial challenges since schools just opened and have so much on my hands please bear with me thanks

Regards,
Ruth Musela

Ruth    Dec 18, 2019

Hi,

l am only able to pay that amount of money at the moment bear with me thanking you in advance.

Regards,
Ruth Musela

Ruth    Nov 11, 2019

Halo,

I am only able to pay the above amount comfortably since I have engaged on a project in the village for my family which l have complete by the mid next year at the same time l would like to continue to pay my loan. Thanks once again and bless you.

Ruth    Sep 30, 2019

Hi,

l believe that is what l can comfortably pay without fail every month to clear my loan.

Thanks,
Ruth Musela

Ruth    Sep 30, 2019

Thanks for funding me It really boosted my stock. I restocked every all the items I need more and boosted my m-pesa its too early to determine my earning but l am sure come this time l will make extra more which l will be able to take my family for christmas holiday this year. My holiday we have to go where there hotels on the beach it out of town . Thanks once more for your kind help.

Regards,
Ruth Musela

Ruth    Sep 8, 2019

Hi my Lenders,

I am very grateful l have received a total of Kshs. 71,226/- This will really boost my business am very thankful for lending me this money I will always owe it to you may God bless you mightly.

Regards,
Ruth Musela

Ruth    Aug 31, 2019

Hi Lenders,

Thank you very much for your continued assistance l am great-uncle this will take me along way and am sure by the end of the year am sure I will take atleast my family for a nice holiday l owe all this to you people may God bless you big.

Regards,
Ruth Musela

Ruth    Aug 30, 2019

Hi Lenders,
Thanks for your continued support you have always accorded to me l will forever be grateful and l am humbled with the sweet comments you made about me you are the best may you all be mightly blessed thanks once more.
Regards,
Ruth Musela

Lucy Burns    Aug 29, 2019

All the best!

Ruth    Aug 26, 2019

Dear Lenders,
I am really grateful as the loan that you gave to me has made it possible for me to experience an increase in my profit margins and also an increase to my clientele. I will always be grateful to you for the help rendered for growth in my business. Thank you so much lenders.

Ruth    Aug 19, 2019

Hi,

I am still financially down since I have school fees and upkeep money I have to pay until when the child I am educating finishes school please bear with me thanks.

Regards,
Ruth Musela

Ruth    Jul 2, 2019

Please bear with me l am still educating the poor student who I have decided to do it until they finish school. Thanks and God bless.

Ruth    May 25, 2019

That is the amount l am able to get comfortably weekly thanks

Ruth    Apr 17, 2019

I have informed you I have to take care of the orphan until he clears school please understand thanks. Thanks.

Gideon    Mar 24, 2019

Hello,thanks for being"on time"on your payments and letting lenders know. Be blessed.

Ruth    Mar 4, 2019

I stated that I am educating an orphan and I can not afford at the moment to raise the KShs.420/= since I have so many other shopping I have to do for him whenever he is to go to school and to keep in school full time please bear with me.

Thanking you in advance.

Regards,
Ruth Musela

Ruth    Jan 28, 2019

As requested before I am still educating this orphan and I am only able to raise the above for the repayment of my loan comfortably please bear with me. Thanks.

Regards,
Ruth Musela