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He tried calling the customer care number. It was a robotic voice that said, “All our representatives are busy. Please email support.” He emailed. He got an auto-reply: “Your ticket has been closed. Please use the in-app chat.”

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Meera got a part-time job tutoring younger kids. She paid back the original ₹40,000 over eight months. Ravi never took another digital loan. He framed a note above his desk: “If it’s too easy, it’s a trap.” He tried calling the customer care number

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