Impedance

Update: I paid. In full. ₦145k yesterday. Let me be clear about what that means. I was never running from this debt. I told them on March 13 I would pay. I told them my salary date. I offered to pay interest. I communicated every single step of the way. They responded by going to my house while I was at work, telling my landlord, my neighbours, and my cleaning lady about my debt, filming my compound, lying about being unable to reach me, and exposing my NIN data. Over a debt I wasn't running from. The payment was never the issue. Their conduct was. Paying this debt does not erase what they did to my reputation in my own compound. It does not fix my tenancy situation. It does not un-expose my NIN data. It does not make the lies they told my landlord disappear. @CDcare_ng has not responded. Not publicly. Not privately. Not to my email. Not to my thread. Complete silence. A journalist is currently working this story. My landlord, neighbours and cleaning staff have all agreed to provide written statements. The silence from @CDcareNG is noted and documented. To everyone who has shared, quoted, and shown support, thank you. This thread was never about avoiding a debt. It was about a company that thought harassing a loyal customer in his own home was acceptable debt recovery. It is not.

@CDcareNG Just because you have my address does not give you the right to show up at my house unannounced or involve my landlord, the cleaner and my neighbour. This is unprofessional, invasive, and completely unacceptable. I’ve been a consistent customer of CDcare since 2023 and over 20 purchases and I have never defaulted, and this experience is honestly disappointing. In December 2025, I got a laptop on a 3-month installment plan. Final payment was February 27 2026. On March 13 I had a conversation with two cdcare agents, I offered to pay with interest month end OR let them collect the laptop till whenever I have the balance. They never responded to either offer. CHECK IMAGE 1. I was not unreachable. I have WhatsApp messages from TWO different CDcare numbers contacting me. I responded to both. I was actively communicating the entire time. My call log shows I answered CDcare's calls on March 14, March 18, and March 21. March 27 they messaged me. I said "allow the salary to drop, I nor like to owe, because sometimes salaries get delayed. They said "Ok." ONE day later, literally the next day without any formal demand by email or calls or text (which their OWN Terms Clause 10(vii) requires), they sent someone to my house. CHECK SLIDE 3. Their agent came, didn't text or call me prior, and went straight to my LANDLORD and disclosed my debt situation. My landlord was shocked. I now have to explain to the person who controls my housing why a debt collection agent showed up at his property because of me. But here's where it gets worse. When I called my landlord, he told me CDcare's agent said they had called me several times with no answer, and texted me with no response. THAT IS A LIE. My screenshots prove we were in active communication the entire time. Not only does my landlord know, my neighbour knows and the cleaner who doesn't even live there knows my business. They didn't just show up unannounced. They fabricated a story to my landlord to make me look like I was hiding from them. That is deliberate defamation. To the person who controls my home. Over a payment I was actively communicating about. Their OWN Terms Clause 10(vii) require email or phone demand before any physical visit. Their Privacy Policy says data can only be shared with affiliates or under court order. My landlord is neither. They violated their own policies AND lied to cover it up. This is 3+ years with CDcare, multiple products failed within 6 months. Multiple Earbuds, a fan, a yam pounder, an influencer light. I never showed up at their office to cause a scene. I just moved on. Because I'm a reasonable customer. I am filing a formal complaint with @fccpcnigeria under the FCCPA 2018 and @NITDANigeria under the Nigeria Data Protection Regulation 2019. I'm not against CDcare as a business, I mean get your money. But showing up without notice, disclosing my data and lying to my landlord about me to justify an unauthorized visit has put my housing at risk was uncalled for.