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Stay away from Slice / sliceit / slicepay

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kartikxxx

This post is not to build any mindset or prove anything. It is just for info and awareness.

My experience was not very pleasant with slice and m still fighting with them, some of you are aware of it.
This company is operating like some Chinese loan app(if u have read news sometime ago, how unethically they were doing business).

Today, some one tagged me on twitter and here are its tweets.

https://cdn0.desidime.com/attachments/photos/708508/medium/Screenshot_2021-08-30-05-25-43-023_com.twitter.android.jpg?1630281455https://cdn0.desidime.com/attachments/photos/708510/medium/Screenshot_2021-08-30-05-25-33-585_com.twitter.android.jpg?1630281496https://cdn0.desidime.com/attachments/photos/708509/medium/Screenshot_2021-08-30-05-25-36-881_com.twitter.android.jpg?1630281481
https://cdn0.desidime.com/attachments/photos/708512/medium/Screenshot_2021-08-30-05-25-29-105_com.twitter.android.jpg?1630281530https://cdn0.desidime.com/attachments/photos/708511/medium/Screenshot_2021-08-30-05-25-19-359_com.twitter.android.jpg?1630281511
As per his tweets, he failed to pay his slice emis and now slice is misusing his contact info and abusing them like what those fake Chinese loan lending apps did.

I can relate here too, they use foul language, shit messages and other ways as well to torture you.

so, be extra cautious before giving permissions and real all TnC (usually we dont) before giving your consent. Some apps are just giving baits ,dont fall for it. They are not worth your time.

Stay safe and take care.




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_pb wrote:

Consider lender point of view also, I had given a 10k loan to a person working in dell (in 2018) via faircent , I am still waiting for my money. Warrant was issued against him but he is still not returning my money.

P2p lendings are still very new and risky in the market, the mediator can only help you with the suggestions but they dont have power or authority to reciver the amount in case of default. (They are just earning a small free from lender and borrower and hence dont own any further ownership).
Similarly, bill lending (which will give you money on your bills) thing is also new.
Risks are very high.

Pro Shopping Friend Pro Shopping Friend
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kartikxxx wrote:

I think, If u wont give any permission, than they wont approve your card.

You can/will give permission bro but there will be no contacts to access. One can use a secondary google account to add some fake/wrong contacts.

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Ash-D wrote:

You can/will give permission bro but there will be no contacts to access. One can use a secondary google account to add some fake/wrong contacts.


https://cdn0.desidime.com/attachments/photos/708593/medium/IMG_20210830_214123.jpg?1630339878

Deal Subedar Deal Subedar
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kartikxxx wrote:

Brother, with god’s grace, i still have job, and these screenshots are from some twitter user, he tagged me coz i was also tweeting about slice.

I never default any dues (hopefully never will).
My case is bit different, fraud happened with me on slice and the fraudsters converts that spend into emis , unfortunately i have to clear those dues as well but slice has no feature to close this (foreclosure) as i dont want to pay extra (45%) interest and wanted to close this in one shot. Since they are working on this foreclosure feature (asper their verbal communication, never gave in written) they told me to wait but they are keep on imposing late fee penalties and sending me whatsapp message (email, message, app notification ls are normal) and calling me (not rudely till now) to harrass me from their recovery department (which is not at all aware of my case or have any authority to access my ticket).

Lender will surely take steps to recover their money, but there has to be some rules, they cant do public shame or call any xyz from ur contact list. Also, they dont even have basic foreclosure option then what kind of lending ethics they are following, what are their intentions. They are not at all secure (no transaction confirmation, no device registration or mac binding, just to name a few)

Why don’t you talk to them over twitter DM and send them copy of FIR you registered and request the police officer handling your case to drop a note to Slice that you want to pay the amount in full and will not pay anything extra and if you still receive calls from Slice recovery guys then you abuse them even more joy.. drop email to their CEO. Tag him and file complaint with SBM bank who issues Slice cards and even with RBI Ombudsman and report SBM bank. Make their life hell. Chase them on twiiter/email daily and don’t agree to pay even a single cent more than you got scammed for.

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tenga wrote:

why apay icici is pretend?

I meant you shouldn’t even think about preferring applying for any regular credit card like amazonpay compared to these pretend credit card apps like slice/lazypay/simpl etc as it is a simple decision to always go for regular credit card over such apps.

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Ash-D wrote:

You can/will give permission bro but there will be no contacts to access. One can use a secondary google account to add some fake/wrong contacts.

That is why AI is there to process data, it is very simple for such system to differentiate between such fake contacts & genuine call logs/contacts. Those ppl who still got the card after such submitting fake data etc got it purely because of their cibil only.

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guest_999 wrote:

That is why AI is there to process data, it is very simple for such system to differentiate between such fake contacts & genuine call logs/contacts. Those ppl who still got the card after such submitting fake data etc got it purely because of their cibil only.

They take access to call or phone (call logs) too??
I checked their privacy policy & it’s not mentioned there only contacts, messages etc are there.

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Ash-D wrote:

They take access to call or phone (call logs) too??
I checked their privacy policy it’s not mentioned there only contacts, messages etc is there.

I checked & it does seems like they don’t ask for call log permission but they ask for almost all info on contacts so my guess is they run contacts list via trucaller/AI to detect fake case usages.

Deal Subedar Deal Subedar
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its absolutely wrong from slice side, they are in lending business and the word business always includes risk in it. If a person is unable to pay due to xyz reason its unethical to do something like this. but the other party can always ask for one time settlement.

Deal Subedar Deal Subedar
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NewLife wrote:

its absolutely wrong from slice side, they are in lending business and the word business always includes risk in it. If a person is unable to pay due to xyz reason its unethical to do something like this. but the other party can always ask for one time settlement.

So someone steals in ur home due to zyz reason it’s unethical if you do something abt it? n try to settle wid thief?

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24karat wrote:

So someone steals in ur home due to zyz reason it’s unethical if you do something abt it? n try to settle wid thief?

Stealing is different. Lets say some one took money for some medical reason and he is unable to pay. what will do in that situation. Banks are taking 42% interest for the same reason (risk) when some one misses the due. which instrument is giving 42% interest on investment?

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sardasa wrote:

Why don’t you talk to them over twitter DM and send them copy of FIR you registered and request the police officer handling your case to drop a note to Slice that you want to pay the amount in full and will not pay anything extra and if you still receive calls from Slice recovery guys then you abuse them even more joy.. drop email to their CEO. Tag him and file complaint with SBM bank who issues Slice cards and even with RBI Ombudsman and report SBM bank. Make their life hell. Chase them on twiiter/email daily and don’t agree to pay even a single cent more than you got scammed for.

On Rbi ombudsman ,i did complain for sbm but after 3 days it got closed stating reason that “you have not approached bank before ombudsman”. I even mailed to their nbfc (who is providing money via slice) but no response.
I approached slice via twitter dm (their team is helpless and different, all they say is our special team is handling your issue".
FIR was done for the fraud, never thought of doing 1 more FIR for their behaviour, if they become more inappropriate then will left with no other option.

Deal Subedar Deal Subedar
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kartikxxx wrote:

Are you sure about this, as they quote that cibil will improve if one use slice card and degrades if someone fails to clear dues in time.

i was talking about chinese apps
see if slice is registered with rbi or not

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kukdookoo wrote:

i was talking about chinese apps
see if slice is registered with rbi or not

Oh okay, i cant see slice name anywhere on RBI portal their nbfc lenders are there.
But on google it says slice has secured nbfc certificate from rbi.

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kartikxxx wrote:

Oh okay, i cant see slice name anywhere on RBI portal their nbfc lenders are there.
But on google it says slice has secured nbfc certificate from rbi.

But on google it says slice has secured nbfc certificate from rbi.
which website says that?

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kukdookoo wrote:

But on google it says slice has secured nbfc certificate from rbi.
which website says that?


https://cdn0.desidime.com/attachments/photos/708676/medium/Screenshot_2021-08-31-15-03-57-330_com.android.chrome.jpg?1630402425Inshorts news

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kukdookoo wrote:

But on google it says slice has secured nbfc certificate from rbi.
which website says that?

No lending app without nbfc certificate from rbi will be able to tie-up with any bank in India to offer any financial service or issue any prepaid card. All those Chinese apps without nbfc certificate from rbi also don’t have any tie-up with bank or issue any prepaid card(real or virtual).
@kartikxxx

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kukdookoo wrote:

if an app is fake and chor then what means paji?

This is India, I am sure you already know how rules & laws work here.

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guest_999 wrote:

Don’t be mistaken, if you ever miss any loan emi/bill rest assured the slice people will give you hell regardless of 2nd space or similar app.

But the BIGGER question here is Why will I spend so much money that I can’t afford to pay on time ???

Knowing the fact that it’s not my money and I have to pay it some day and also knowing that I have agreed hell lot of TnC ( some hidden too laughing )


Be it Credit Card Or Loan Or EMI Or Pay Later .
Also end the same way if one is NOT willing to pay.

So use the amount which can be paid on time.

I am not in support or against such apps.
It’s just as simple as that , you use their money, their offers,  you’ve to pay on time.

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M.MAHI wrote:

But the BIGGER question here is Why will I spend so much money that I can’t afford to pay on time ???

Knowing the fact that it’s not my money and I have to pay it some day and also knowing that I have agreed hell lot of TnC ( some hidden too laughing )


Be it Credit Card Or Loan Or EMI Or Pay Later .
Also end the same way if one is NOT willing to pay.

So use the amount which can be paid on time.

I am not in support or against such apps.
It’s just as simple as that , you use their money, their offers,  you’ve to pay on time.

Nothing is 100% sure in this world, some fraud/technical error/honest mistake may result in you making a txn for which you don’t want to pay/not able to pay/want to reverse but in case of slice no matter what you will have to pay first & complain later.

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M.MAHI wrote:

But the BIGGER question here is Why will I spend so much money that I can’t afford to pay on time ???

Knowing the fact that it’s not my money and I have to pay it some day and also knowing that I have agreed hell lot of TnC ( some hidden too laughing )


Be it Credit Card Or Loan Or EMI Or Pay Later .
Also end the same way if one is NOT willing to pay.

So use the amount which can be paid on time.

I am not in support or against such apps.
It’s just as simple as that , you use their money, their offers,  you’ve to pay on time.

You are driving safe but that doesn’t guarantee that accident wont happen. sweat_smile

Deal Cadet Deal Cadet
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It’s not only slice every financial institutions which lend you credit/loans behaves the same way as slice. It’s is borrower responsibility to repay their loan timely else be ready to face misbehaviour from the lender.

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Mufasa wrote:

It’s not only slice every financial institutions which lend you credit/loans behaves the same way as slice. It’s is borrower responsibility to repay their loan timely else be ready to face misbehaviour from the lender.

Yes but slice being a pretend credit card app does not have the fraud protection/buyer protection features of regular credit card.

Deal Cadet Deal Cadet
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Demondealer wrote:

if you took a loan you have to pay it back, cause its someone else money, you will do the same if someone takes your hard earned money and don’t pay you back. just pay it back and be done with it

i can summarize what you said

“if your are poor, just dont be poor”

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Seinfeld wrote:

first and foremost my family members are not responsible for my fault. These guys should be taken to court and given a proper lesson.

  • Slice puts up 1000s of fake reviews to suppress any negative reviews.
  • Slice wants all contacts details to store on their servers, no other banking app does this. Local permission is different. Uploading to their servers is WRONG
  • Slice contacts my contacts on my fault. Highly unethical and illegal way of doing business.

I am sure I missed lots of their negative things as I have always steered clear of them. Don’t want to experience any bit of Slice, whatever cheesy offer they come up with.

Guess the app.

https://cdn0.desidime.com/attachments/photos/717151/original/7993704Screenshot-20211005-140818-Paytm.png?1633423475

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_One_Miller_ wrote:

Guess the app.

https://cdn0.desidime.com/attachments/photos/717151/original/7993704Screenshot-20211005-140818-Paytm.png?1633423475

Nice find.. Did anybody try to see if PayTM works if you don’t give it access to your contacts?

Slice simply doesn’t accept you if you don’t give access to contacts. Also its a known fact they contact your contacts on your fault. Knowingly accepting this is highly unfair.

Deal Subedar Deal Subedar
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Seinfeld wrote:

first and foremost my family members are not responsible for my fault. These guys should be taken to court and given a proper lesson.

  • Slice puts up 1000s of fake reviews to suppress any negative reviews.
  • Slice wants all contacts details to store on their servers, no other banking app does this. Local permission is different. Uploading to their servers is WRONG
  • Slice contacts my contacts on my fault. Highly unethical and illegal way of doing business.

I am sure I missed lots of their negative things as I have always steered clear of them. Don’t want to experience any bit of Slice, whatever cheesy offer they come up with.

Wasn’t going for, one card/ slice/ dhani freedom, because of the same reason, they are a bit informal, so don’t know what happens later.

Hunk Hunk
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Seinfeld wrote:

Nice find.. Did anybody try to see if PayTM works if you don’t give it access to your contacts?

Slice simply doesn’t accept you if you don’t give access to contacts. Also its a known fact they contact your contacts on your fault. Knowingly accepting this is highly unfair.

That’s scary. Now I am praying that none of my contact list opt for Slice. 😆😆😆

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