“My Ex Is After My Life”: Lady Cries Out After Discovering Her Ex-Boyfriend Used Her as Loan Guarantor Without Consent

Social media has been set abuzz by a shocking revelation from a young Nigerian woman who discovered that her ex-boyfriend fraudulently used her phone number as a guarantor for a loan he defaulted on. The lady, identified on X (formerly Twitter) as @Phayvhor, shared her ordeal in a series of emotional posts that have since gone viral, drawing widespread reactions from netizens who described her situation as both infuriating and heartbreaking.

According to her narration, she and her ex-boyfriend ended their relationship in December last year. Since then, she claimed, he had been “doing all sorts of things” to get back at her, but this latest stunt was something she never imagined possible. In her own words, “My ex is just after my life. He’s been doing all sorts of sh*t to get back at me. But the one he did recently, I don’t even know how to react. I mean, of all numbers to use, of all freaking numbers to use.”

The incident came to light when she received a message from a loan company warning her that a borrower she allegedly guaranteed had defaulted on their loan repayment. The message read: “O defaulted on their loan. Legal action and guarantor involvement may follow. Please advise them to repay.” Shocked and confused, she immediately tried to reach out to her ex-boyfriend to ask why he used her details as a guarantor without her consent.

In the chat she posted, she sent him a message saying, “Pls why are you using me as guarantor?” However, her calls and messages initially went unanswered. When he finally responded, his explanation was as careless as it was alarming. “Omo, I just used the number I know off hand, I didn’t know they will disturb you,” he wrote. His casual response left many people stunned, with some saying it showed deliberate intent rather than an innocent mistake.

The lady expressed disbelief, emphasizing that the act felt like an intentional attempt to drag her into unnecessary trouble. “We broke up December last year. He knows exactly what he’s doing,” she wrote in frustration. Her statement captured the emotional distress of someone who not only feels betrayed but also fears the legal implications of being linked to a financial obligation she had no knowledge of.

The situation sparked outrage online, as many users pointed out that what her ex-boyfriend did could amount to fraud and identity misuse. Legal experts and financial analysts in the comment section explained that when a person lists someone as a guarantor without their permission, it can create serious consequences, especially if the borrower defaults. The guarantor could be contacted, harassed, or even held responsible for the debt if proper documentation links them to the loan.

Several users urged Phayvhor to take immediate legal action by reporting the incident to the police and contacting the loan company to clear her name. Others advised her to block the number, change her SIM registration details, and ensure that no further fraudulent activity could be traced to her contact information. One commenter wrote, “This is a serious offense. You need to report to the authorities immediately before your name ends up on some black list for a loan you never took.” Another user added, “This is not a mistake; this is malicious. He knew exactly what he was doing, especially using your number after a breakup.”

Many Nigerians could relate to her story, as reports of people’s numbers being used fraudulently by others—either as guarantors or contact references—have become increasingly common in recent times. With the proliferation of quick loan apps and online credit services, it has become easier for borrowers to input random phone numbers without the system verifying the guarantor’s consent.

Financial experts have long warned that the unregulated nature of some online lending platforms in Nigeria poses risks for unsuspecting individuals. Some of these platforms only require minimal personal information and a phone contact list, making it possible for users to implicate others in their borrowing activities. This lack of verification, coupled with aggressive debt recovery tactics, has led to numerous cases of harassment, defamation, and even mental breakdowns among innocent people whose details were used without permission.

In Phayvhor’s case, her ex’s explanation that he “just used the number he knew off hand” seemed to make things worse rather than better. To many, it showed a lack of accountability and empathy. “You don’t use someone’s number for a loan by accident, especially your ex,” one user commented. Another added, “This man didn’t just use her number randomly. He wanted to stress her. That’s emotional and financial abuse.”

Her story also reignited conversations about post-breakup boundaries and the importance of cutting ties cleanly. Several people noted that toxic ex-partners often look for subtle ways to remain in their former partner’s life, whether through emotional manipulation, online drama, or, in extreme cases, financial sabotage like this.

As the conversation continued to trend, Phayvhor’s story became a cautionary tale for others to safeguard their personal data and monitor messages from unknown sources. Tech experts advised that individuals should regularly check if their phone numbers or personal details have been linked to any unauthorized accounts or services. Some also recommended registering complaints with the National Information Technology Development Agency (NITDA) or the Federal Competition and Consumer Protection Commission (FCCPC), both of which have been known to take action against illegal loan platforms in the past.

Beyond the outrage, many sympathized with her emotionally, recognizing how distressing it must be to deal with such a betrayal from someone once trusted. “It’s bad enough that you broke up, but to still be hunted financially by the same person is wickedness,” a commenter wrote. Another user shared a similar experience, saying, “My ex once used my work email for his loan application. I only found out when they started sending reminders to my office. These people don’t fear God.”

For Phayvhor, the ordeal serves as a painful reminder that sometimes, the consequences of a bad relationship don’t end when the romance does. The emotional damage lingers, and in her case, the financial threat is now real. Her post continues to circulate across social media platforms, drawing support from those urging her to stay strong and pursue justice.

As authorities continue to clamp down on fraudulent online financial practices, her story stands as a warning to everyone: be cautious about who has access to your information. In a world where trust can be weaponized, protecting your identity has become more important than ever.

In her final update, Phayvhor wrote simply, “I don’t even know how to react. Of all numbers to use, he chose mine.” Her words, though brief, capture the deep sense of betrayal that no apology—or lazy excuse—can easily fix.