When Raj took out a loan for $110 (£87) in March, he thought it would swiftly solve his financial problems, instead it has made his life much, much worse. Like many, Raj (not his real name), was attracted by the quick and easy loan approval process. All he had to do was download an app to his phone and supply a copy of his identity card to qualify. Many of the people running those apps began threatening him over repayments but he was too scared to go to the police. Is scamming illegak ?
