Rashidi Jololo
JF-Expert Member
- Sep 21, 2022
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Wakope nawewe halafu usiwalipe, dawa ya moto ni moto.
Mrejesho kuhusu kesi yangu na app za mikopo
Mrejesho kuhusu kesi yangu na app za mikopo
Hypersonic
JF-Expert Member
- Apr 14, 2012
- 829
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- Thread starter
- #22
Hawa kama unaheshima zako sio watu wa kushirikiana nao, kwa sababu unaweza jikuta unapoteza uaminifu wako kwa wabia ama watu wako wa karibu.
Lakini pia sidhani kama wanaweza kunikopesha kiwango ninachohitaji kukopa.
Hiyo mikopo yao naweza kuipata tu kwa watu wangu wa karibu.
Sakasaka Mao
JF-Expert Member
- Sep 29, 2016
- 12,826
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Mtoa mada ashajieleza kuwa hajakopa.
Kashitukia anatukanwa kwa deni alilokopa mtu mwingine na namba yake kutumiwa kama namba ya mdhamini.
Sasa hapo anajipelekaje kwenye mdomo wa mamba?
Msela Wa Kitaa
JF-Expert Member
- Oct 8, 2021
- 1,396
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Mimi ndio nawawezaga hawa wajinga
Nakopa hadi ikifika 300k natupa laini huko
Laini nainunua 2k nakuwa sina hasara
Nakopa hadi ikifika 300k natupa laini huko
Laini nainunua 2k nakuwa sina hasara
NACKO
JF-Expert Member
- Oct 27, 2022
- 1,298
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yes.....NAKAZIA📌🔨❗
Kindeena
JF-Expert Member
- Sep 27, 2017
- 11,462
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Kumbe na wewe ni mkali kiasi hiki☺️?
Hypersonic
JF-Expert Member
- Apr 14, 2012
- 829
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- Thread starter
- #29
Swali umemuuliza nani sasa?
Kichwa Kichafu
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- Apr 13, 2017
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Kazi Kweli Kweli
DarkHorseSec
Member
- Nov 6, 2023
- 8
- 8
Firstly, what that Police Officer is doing is wrong. By Law, a victim isn't supposed to repay a loan that was given to them by illegal money lenders who begin to harass and intimidate them by means of extortion or blackmail. Also, by law, the victim hasn't committed the crime but the Loan Shark has, and the victim commits no crime by not funding them back because they aren't registered to officially give loans by the BOT or the TCRA and they are impersonating a company that is registered on BOT named JMR. MICRO FINANCE. Nonetheless, we are sure this is a fake company built under their name or the company probably doesn't exist at all and they got their Service Provider Agents to create a fake till number, somehow, so they can collect their money under the name of the company JMR. MICRO FINANCE which isn't owned by them, and they put the name in a very weird way, they put it as MR. MICROFINANCE, removing the J.Kama nilivoahidi kuwa leo Jumatatu tarehe 26/02/2024 naanza mchakato wa kuwashitaki hawa watu.
Nimeanzia TCRA ambako nimepeleka malalamiko yangu, Majibu ya TCRA ni kwamba wao hawahusiki kwa sababu hasimamii watu bali wabasimamia makampuni ya mawasiliano. Hii kidogo imeshitua hivo ikabidi niende polisi, Majibu ya polisi ni kwamba nikamshauri mkopaji alipe kwanza alafu yeye ndo afungue mashitaka.
Nimeamua kubadilisha kesi na nimefungua kesi ya kutukwana na kudhalilishwa kwa njia mtandao kwa wale niliofanikiwa kuwarekodi.
Ahadi ya polisi ni kwamba wanatrack namba wakishawapata wahusika watawakamata na baada ya hapo ndo tutaendelea mbele.
Ugumu wa kesi ni kuthibitisha pasipo shaka kuwa kweli ile sauti ni ya mhusika pindi akiwa mahakamani.
Ni nini cha kufanya:- Bado sijakamata tamaa narudisha mpira kwa kipa kwa maana ya kushirikiana na wanasheria ili nishitaki ama TCRA au Kampuni ya mtandao husika kwa kushindwa kulinda faragha yangu nikiwa kama mteja ambaye wanawajibu wa kulinda taarifa zangu.
TCRA mmeamua kuuza utu wetu kwa wahuni wa App za mikopo mtandaoni
Ndugu wanajamvi, Asalaam Aleikhum. Kama kichwa cha habari kilivo hapo juu nimejikuta na kuwa mhanga wa hawa matepeli wa APP za mitandaoni. Iko hivi kuna mtu ambaye ninafahamiana naye ama ni mtu wangu wa karibu ktk familia, kwa utashi wake binfasi alikopa kwa hawa jamaa, alikopa lini na kiasi...www.jamiiforums.com
Secondly, we are currently gathering intelligence on the matter referencing Ustawi Loan and we have seen some serious crimes committed by this company including but not limited to Blackmail, Extortion and Harassment at a Federal Level (Which means that the crimes they are committing is in fact indictable since they're Federal Offenses and Felonies).
Thirdly, Yes, they do use foul language over the call and it's a very serious matter in reference to cyber-crime activities that are done through electronic communications. Today, our CFO received a call from this called company and was told foul language. Nonetheless, we have managed to get them to tell us how many people in average they contact a day and they said over 1,000. They even confessed that they aren't registered to distribute loans by the BOT and TCRA.
Fourthly, we have managed to identify the developer of the software Ustawi Loan and the name is relevant to someone who goes by Mick O'Connor and one of their managers goes by the name of Mr. Mwanga. We have Mr. Mwanga's real phone number and it's even tied to his Instagram Account. The name Mick O'Conner was retrieved from the developers email on their Google Account. Also, the reviews on the Google Play are very negative (Relevant to victims reporting harassment and extortion) and their address leads to the fact that they are impersonating the National Housing Corporation's address (If anyone from NHC is seeing this, I'm sure they'd be under full legal obligation to sue Ustawi Loan), which means they don't actually have an address and they've provided false information in the app's details on Play Store.
Fifthly, the app "Ustawi Loan" actually existed once in Kenya and operates in the same manner as it does in Tanzania but was pulled out of the Play Store, most probably, we suspect that it was pulled out for potential illegal activities. The internet archive is a good resource to gather information referencing this. There's a news channel that a journalist wrote about it as well and I was able to retrieve and read from the internet archive yesterday because the website is supposedly down. A legal agent has full authority while representing an agency to request an app to be removed from Play Store even with or without a court order as long as they aren't committing perjury. An individual civilian with a court order has legal authority to take down an app from the Play Store as well and an individual who knows the law can do so without a court order as well as long as they're not committing perjury and understand what they're doing. Google will review such reports and respond back.
Sixhtly, the real reason why this app isn't in the Apple App Store but is there in the Google Play Store is because Apple has strict restrictions against such apps. Loan Shark apps are indeed on the rise worldwide, not just Tanzania. The main references for cyber investigations conducted for Loan Shark Apps has been done by several cyber-security companies including ESET showing they're even in the rise in Asian countries as well and Governments of those countries report on these apps on the news to warn citizens against potential illegal activities conducted by these apps.
Seventhly, Yes. You are right that the app is likely owned by a Chinese Individual, and I'm sure Mick is likely one of the people here that we should suspect. The Privacy Policy Section of the app does in fact have it's heading written in the Chinese Language and the rest of the information on the app is pure English. Only the heading is in Chinese. Mick even has a video uploaded to YouTube as well under his real name. So, we are 100% sure that a Mick is tied to this company. Nonetheless, the name Mick O'Connor could very well be a victim as well being impersonated by these fraudsters behind "Ustawi Loan" or probably isn't. For this reason, we have contacted him through his official email from a different loaning website he's on, we have noticed he's Australian and not Tanzanian. Here's what our CFO, Alameen Karim Merali, has sent:
Hopefully, we receive a reply soon enough and we get details on what is going on or we will take him as a suspect and it'll later look bad if he's actually a victim for not replying. We'll give him about a few days to respond before following up.
Eigthly, I would like to let you know that I'm archiving all of your forum threads for investigative references; we will be using this as a witness testimony on our forensic intelligence report and the court may require to subpoena you to testify if they find you to be competent to provide reference to the court. The gathered information and archived threads will be sent to Forensic Department at the Tanzanian Police Force, Office of the Prosecutor General, Office of the Soliciter General, TCRA, BOT as well as BRELA and other Government Subsidiaries including the Judiciary Committee of the Government of Tanzania through their emails. In the case whereby you need the thread taken down by the internet archive, you can do so pertaining to a court order.
Hypersonic
JF-Expert Member
- Apr 14, 2012
- 829
- 1,564
- Thread starter
- #32
well said, kindly I am available not as loan victim but a victim who went through embarrassment from this loan App, being abused, insulted to something that I didn't engage in. From my past thread you may understand what happened to me.
DarkHorseSec
Member
- Nov 6, 2023
- 8
- 8
I understand, all citizens who are victim of this app are going through the same and even citizens who aren't involved with the loan as well. There's more information that we've gathered and it's very fascinating including more identities of the people behind this app. We have sent the Forensic Report to the Office of Prosecutions and it's already received by the Director of Prosecutions (This is confirmed since our CFO has received a reply via email).
At the moment, the information of the report should remain secret (To not jeopardize Chain of Custody) but once these people are prosecuted and indicted then it can documented on Media. Nonetheless, we're planning to document an analysis of the malware in both the apps owned by these people (Ustawi Loan and Hakika Loan) to the media; we have requested samples from Google for analysis and we already have the sample for Hakika Loan and we've found these guys are good at disguising their malware (What many nowadays consider to be a virus) in their app, but I am in the process of analyzing it soon. The sample has been shared with the security community for further analysis as well.
What's even funnier is that they stopped sending our CFO messages after our CFO presented them his CV to scare them. They're pretty scared because the CV shows access to the FBI's Law Enforcement Enterprise Portal (Teleporter Upload Access) and has information pertaining to other Law Enforcement Assistance he's done. It appears that since the people of this app are beyond crossing state lines, it's more than felony harassment (Considering that hacking, extortion and blackmail is added up to this) at this point and has become a National Security issue especially considering that there are over more than 1,000's of people using that app (considering the amount of citizens being attacked by these threat actors) and it involves the Chinese conducting espionage in the country, we aren't sure but this is concerning (Because where else would they take citizens information if not hand it over the Chinese Government and why would they be spying on the citizens to harass them for nothing; we suspect this to be something more than financial fraud for sure, but we can't conclude whether anything is being sent to the Chinese Government. All we can say is that information on the Citizens is being sent to Chinese Servers). Our CFO believes that this case needs to be escalated to TISS under reasonable suspicion to investigate espionage.
NB: We are not Law Enforcement, but we do work with them.
DarkHorseSec
Member
- Nov 6, 2023
- 8
- 8
Our CFO already published a research article referencing these Spy Loan Apps. You can read more from here:
https://www.researchgate.net/public...Tanzania_and_is_exploiting_Tanzanian_Citizens
and
View: https://medium.com/@brotheralameen/malware-research-shows-that-spyloan-apps-have-entered-tanzania-and-is-exploiting-tanzanian-76ae9d2bb23f
In this research, we see the approach of Spy Loan Malware Apps in Tanzania, fake financial apps used by loan shark scammers who provide high interest rates by laundering money from victims. The threat actors (In this case, the scammers) then use the data to harass their victims who refuse to pay their money by means of extortion and blackmail, while the rest of their data remains in the cloud in China. Thus, a proof of cyber-espionage happening in Tanzania by the Chinese and the apps being a National Security Threat posed by the Chinese. The article explains what to do by Law if you've fallen victim for this scam as well. These threat actors use the app to obtain access to your devices contacts and the rest of your device, including your WhatsApp, Gmail and everything (They have full access and control of your device) and send this data to their servers as well. Thus, identifying the app as a malware. They use your data to contact people in your phone book to harass and intimidate them to contact you to repay their money as well. Furthermore, they can use them to threaten you and cause conflicts. This security research (Since of course, our CFO is both our CFO and Forensic Analyst) shows detailed explanation of how all this happens and how the app does this.
https://www.researchgate.net/public...Tanzania_and_is_exploiting_Tanzanian_Citizens
and
View: https://medium.com/@brotheralameen/malware-research-shows-that-spyloan-apps-have-entered-tanzania-and-is-exploiting-tanzanian-76ae9d2bb23f
In this research, we see the approach of Spy Loan Malware Apps in Tanzania, fake financial apps used by loan shark scammers who provide high interest rates by laundering money from victims. The threat actors (In this case, the scammers) then use the data to harass their victims who refuse to pay their money by means of extortion and blackmail, while the rest of their data remains in the cloud in China. Thus, a proof of cyber-espionage happening in Tanzania by the Chinese and the apps being a National Security Threat posed by the Chinese. The article explains what to do by Law if you've fallen victim for this scam as well. These threat actors use the app to obtain access to your devices contacts and the rest of your device, including your WhatsApp, Gmail and everything (They have full access and control of your device) and send this data to their servers as well. Thus, identifying the app as a malware. They use your data to contact people in your phone book to harass and intimidate them to contact you to repay their money as well. Furthermore, they can use them to threaten you and cause conflicts. This security research (Since of course, our CFO is both our CFO and Forensic Analyst) shows detailed explanation of how all this happens and how the app does this.
DarkHorseSec
Member
- Nov 6, 2023
- 8
- 8
Got some good news here, check this out;
Google has now restricted installations of the app following the published research document that our CFO sent them. Now, our CFO, Alameen Karim Merali, forwarded Google’s request for a subpoena to the National Prosecution Service of Tanzania. Let’s wait to see what happens. We’re all pretty close to our Justice. I’m pretty sure they should be investigating Hakika Loan as well.
christeve88
JF-Expert Member
- Aug 11, 2018
- 2,841
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Mngekuwa mnasoma kabla ya kucomment. Yeye hakukopa bali kapigiwa simu na wakopeshaji kuwa kuna jamaa yake amekopa na kanuweka yeye mdhamini kitu ambacho sio kweli hawa jamaa huwa wanatrack nimber zilizopo kwenye simu ya mkopaji na wanapigia kila aliye mtu wake wa karibu na kumwambia alipe deni kwa niaba.
Hypersonic
JF-Expert Member
- Apr 14, 2012
- 829
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- Thread starter
- #37
Restricting one App it won't help this guy has more than six Apps with different names
Hypersonic
JF-Expert Member
- Apr 14, 2012
- 829
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- Thread starter
- #38
Hakika Loan,PesaX etc
REJESHO HURU
JF-Expert Member
- Mar 6, 2014
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This ustawi loan is one product which found on Hakika loan app this means the owner of Hakika loan app is the owner of
1. stawi loan.
2.Pesa wallet,
3.puff pesa,
4.pesa go
5.QZ PESA
6. EZ CASH
as all app I mentioned above use the code Mr finance when someone make payment
REJESHO HURU
JF-Expert Member
- Mar 6, 2014
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