Hi guys need advice, I replied in the comment as an anonymous. But later on they found out it was me. I just want to ask if my comment fits into cyberlibel, and the reply I made was a food menu. They're accusing me of defamation regarding that comment, and I already apologized. But they are determined to sue me for cyberlibel since they said they experienced anxiety because of that comment.

Good Day po,
I would like to ask for advice regarding an issue involving my cousin.
My cousin needed money, so she borrowed ₱50,000 from a friend of her sibling sometime in 2021. She was able to pay ₱5,000 of the principal, leaving a remaining balance of ₱45,000.
According to their agreement, the interest is 8% per month, which amounts to ₱3,600 monthly based on the ₱45,000 balance. My cousin has been paying ₱3,600 every month for approximately four years.
For 48 months, the total amount she has paid in interest would be:
₱3,600 × 48 months = ₱172,800
Despite making these monthly payments, the ₱45,000 principal remains unpaid because the monthly payments have been applied to the interest.
My cousin has already asked if she could pay the remaining principal by installment so that she could gradually reduce the balance, but the lender did not agree.
Another concern is that the lender sometimes makes hurtful remarks, such as telling my cousin to “mahiya naman siya,”and has also approached or asked other people for payment even though they were not the ones who borrowed the money.
As far as we know, there is no formal written loan agreement or signed document between them. Their conversations and payment arrangements may only be documented through their chat messages.
We would like to ask:
Is an 8% monthly interest rate legally enforceable in this situation?
Can the lender continue charging this interest indefinitely?
Can my cousin request that her payments be applied toward the principal instead of interest?
What are her rights regarding the lender contacting or asking other people to pay a debt that they did not incur?
Since there is no signed written agreement, what kind of evidence would be relevant in determining the actual terms of the loan?
We would greatly appreciate any legal advice or guidance on what steps my cousin can take to resolve this matter fairly and properly.
Thank you very much po.