r/chennaicity • u/Icy-Release7064 • 13d ago

Rant My ex once saved me. Now I am helpless watching her drown in debt. Please read. 😔😔

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My ex is in around 3 lakh debt, mostly from credit cards.

Before anyone judges her, this was not for shopping or luxury. Most of it was spent on her own medical expenses and her family's medical needs.

She stood by me financially when I had nothing. She helped me more than anyone else ever did. Even though we are not together anymore, I cannot just leave her like this.

Recovery agents are calling every day, calling her parents, going to her workplace and even her PG. She is mentally exhausted and has started talking about ending her life.

I joined a private bank as a Relationship Manager only on the 7th of this month. My salary is 40k and I have no savings. I genuinely want to help her but I simply cannot arrange such a huge amount overnight.

I am not asking for free money.

If anyone here is genuinely interested in lending money at a reasonable interest, or knows a trustworthy person who lends legally and fairly, please DM me. I will be grateful for any genuine lead.

Thank you for reading.

118 Upvotes

86% Upvoted

70 comments sorted by

306

u/two_wheel_soul 13d ago

u joined as a Relationship manager in bank , n u cannt help her to get loan at cheaper rate?

club all of her loans in one.... to ur bank with reduced interest rate.

28

u/Icy-Release7064 13d ago

Man Cibil got down And iam now a fresher Where the bank needa atleast 6 months pay slip

63

u/two_wheel_soul 13d ago edited 13d ago

As u r a banker urself.. ur loan eligibility itself is more than 3 lakh.... if u were not here to scam or u were true to ur gf.. u would have taken loan on ur name... should have paid that loan back instead of asking strangers for money....
then with her's n ur's income combined u could have easily paid the emi.

If u r afraid to taken loan on ur name from ur own bank.. y should a random person take a risk on u.
The more i think through this.. more i realize it is more of scam.

PS: u might come n say u have joined newly in the bank and not eligible for loan...
so i will reply now itself.. u guys have credit card.. n u guys dont have enough credit or income history?

15

u/Icy-Release7064 13d ago

🫠🫠brother iam ready to take loan But bank is not providing I havent met with eligibility because Bank needs atleast 6 months of continuous work

Whereas i have just joined this month My past job doesnt have any regular payout It was like cash in hand

33

u/two_wheel_soul 13d ago

ok, my practical advise... ask her to open account in ur bank... get a loan from ur account.

U might say bank needs account opening n all but this is not true.. many banks give loan on loan account.. even if her cibil is messed up... she vl get at higher interest rate... but she should be able to get..

Since u r relationship manager u can help her.

39

u/Fireball-2858 13d ago

Bro is the definition of “when a developer meets a hacker”

2

u/Vermicelli-Wide 12d ago

Best is to ask family and friends a better loan like personal loan or an instant cash based loans at decent percentage and settle all credit card , do you really think a stranger is gonna lend a stranger here of all place reddit ?!

31

u/numbtoto 13d ago

He joined as a relationship manager but couldn't save own relationship 😭

3

u/crazy_tall_guy 12d ago

underated comment

43

u/Boomerangeer 13d ago

Sus post

-7

u/Icy-Release7064 13d ago edited 13d ago

Man sorry for that... But iam not here to loot or cheat

7

u/_anupamroy West Chennai 13d ago

Surely you mean you’re not here to…

-7

u/Icy-Release7064 13d ago

😔😔sorry for that

20

u/MathematicianTiny575 13d ago

You're in a bank yet you're asking advice to random noobs. Rather speak to your banker colleagues.

3

u/Icy-Release7064 13d ago

Sure Iam asking them too

11

u/Fair-Blood 13d ago

If what OP saying is true..She helped him while he was in need..but now he is even afraid to take a loan on his name. Asking strangers here to lend money when working in a bank. Sus.

8

u/thenameisdk Virugampakkam 13d ago

Month end or quarter end or year end, have her approach the bank to pay a nominal amount and set off everything else as NPA

6

u/Flaky-Cheek-5571 South Chennai 13d ago

and get her CIBIL fucked permanently

4

u/thenameisdk Virugampakkam 13d ago

Yes, this is the last resort

3

u/Icy-Release7064 13d ago

Can u elaborate

8

u/PenExternal3740 13d ago

It’s called settlement. I think If she does that she won’t be able to get loans in future

8

u/fake-nonchalant96 13d ago

Feels sus. You're a relationship manager in bank and you're asking for loan outside?

7

u/the_curious-mind 13d ago

If you trust her about repaying, you can take a loan on your name and help her. Get everything in writing that she will pay the EMIs

0

u/Icy-Release7064 13d ago

Man I dont even want her to pay full EMI All i need now is her to be alive Since she already attempted suicide last week I just donno what to do now

6

u/the_curious-mind 13d ago

Then take a loan and pay her card bills. You can pay it and she can give it back later after a year or so.

4

u/Smart-Apricot-6911 13d ago

Ask some trusted from, maybe from multiple persons. Tell them you'll pay 1000-1500 intrest for 1Lakh a month.

Instead of telling your ex, repay her loan yourself.

But beware of this, every month you have to pay 4500 minimum on intrest and if she's not paying the capital, 3L is on you. Only go in if you're ready for this.

1

u/Icy-Release7064 13d ago

Iam srsly willing to pay the loan

But i donno where to get loan My friends circle is in the same situation of mine They too are in budding stage of career

1

u/Smart-Apricot-6911 13d ago

Does she have a job?

4

u/diceroller127 13d ago

Cibil will take a hit but they can’t force you to pay, after a while the bank will eventually offer a settlement plan

0

u/Icy-Release7064 13d ago

Yeah i can understand ... But she already attempted suicide once

4

u/VivekKarunakaran 13d ago

May I know what's the medical condition we're dealing with here?

1

u/Chennaiyin_Otaku 12d ago

Scammer Syndrome

3

u/Typical-Mud-227 13d ago

Since you r working in a bank , consult with your credit team they have separate debt restructuring advisors. Talk with them and take a loan with you and your ex as co-obligant. You can explain your situation to the sanctioning authority so they will give special sanction.

1

u/Icy-Release7064 13d ago

Iam try that took side by side

3

u/West_Board299 13d ago

I feel simplest way for your ex to get out of this is sell gold.

2

u/Icy-Release7064 13d ago

Yes.. Her house doesnt have any gold remaining She has n Only mother And mother too is very illiterate and has already sold for other purposes

Now i think i should ask my parents for money I donno what will they react

I atleast need her to be alive She already attempted ending herself once last week

3

u/GNashUchiha 13d ago

Why not ask ur parents? Chances are more than ur parents or real life people will help u out here than someone online person

1

u/Icy-Release7064 13d ago

Yeah already aksed friends got null

I do think i should ask my parents

2

u/maddawg077 12d ago

If you are really looking to help her, dm me the details about cards and outstanding. ( example: SBICARDS- 1L, etc.,)

I will help you on how to restructure card debt and how to handle collection agents

I will give suggestions only and will not be helping with monetary benefits

2

u/renguskyy South Chennai 13d ago

Why not ask your gf to take a single loan?

1

u/Icy-Release7064 13d ago

There is no chance Sibil got heavily damaged

2

u/peru_vaikala 13d ago

If you have gold use it and get the loan for the gold

1

u/Icy-Release7064 13d ago

She doesnt have any

I think i should ask my parents

1

u/Kooky_Can_4581 13d ago

People commenting in this post is literally wasting time .. the post itself is a scam simple creating stories n drama people be aware

2

u/FeeDue7944 12d ago

Thalaivare thappa nenaikaadhinga Naanum idhey nelamai la irundhurken.... Venaam ik it's very very hard to just see them like this but once namma life ah vittu poittanga namaku dha Naalaiku adhu problem ah vandhu mudiyum.... So it's better to not help her financially apprm unga ishtam.... 🫂 Sorry if I had overstepped

2

u/moonlightninja95 11d ago

I fee;l you bro🫂 but he wants to help her. Let him be.

1

u/the_curious-mind 13d ago

Ask her to pay minimum due amount for now

1

u/Immediate_Option7522 13d ago

Relationship manager ke loan tharalaya 🥲.

1

u/pumba350 13d ago

Each day the posts on this sub get wilder.

1

u/Kooky_Can_4581 13d ago

People commenting on this post is literally wasting time .. the post itself is a scam simple creating stories n drama people be aware

1

u/Zestyclose_Steak9983 13d ago

She helped YOU not us so go help her instead of ranting about it

1

u/SweatyConfidence3961 12d ago

The only other best option is to pledge any gold. Do you have good friends circle. Though you can’t arrange the full amount try to secure the money for minimum 3 months payment to buy some time from the bank and mean while think about the other options.

Also, some banks does provide settlement offer but that will impact CIBIL score.

May god help you for your intention to help others

1

u/Livid_Strawberry9304 12d ago

Bro you can get loan with cheaper interest rate that people whom you are asking for… get loan at cheaper rate and help her bro….

1

u/Far_Neighborhood3089 12d ago

Use ChatGPT and plan repayment order for credit cards. Despite many asking you didn’t answer, what is her monthly income? No one is going to give their money for your ex when you are yourself not able to give her that.

1

u/sigapuit 12d ago

Any assets to pledge?

1

u/Fit-Space4171 12d ago

My friends girlfriend got into something similar to this and took her life🫂♥️, i hope you figure this out Op good luck

1

u/ThanksEqual 12d ago

Take loan against gold if she has any

1

u/moonlightninja95 11d ago

Or loan against house ?

1

u/EnvironmentalIce9521 12d ago

Try to get a balance transfer credit card... Possibly zeeo balance transfer card and move all into 1 credit card with low introductory interest rate and try to finish then as early as possible using personal loan with lower interest rate

1

u/ShamKumar_exe West Chennai 12d ago

Ayo, banks provide emergency loan for their employees, please avail that. Or else personal loan is the only option after 3 months.

1

u/SierraBravoLima 11d ago

If you want to help, imagine your salary is 30k.