Hello, I am Janko Jay... I ended up being listed on CRB after I defaulted to pay a loan I had recently applied for from Coop Bank. This was during the Covid19 period when I was working at EPZ company where they where paying salaries through bank accounts. This enabled me to open an account and I was their loyal customer to a point I qualified for a loan of which I applied for as a result of hard situations. I used to apply for loans and I paid for some period of time. All was going well until one day when the company notified us that due to poor international market because of covid, they had to offload some employees and unfortunately I was among them. This happened at a bad time because I had recently acquired a large amount of loan worth 60k and I had not started paying any amount. I had to look for other alternatives to survive which only meant that the income I could get was only enough per day, and nothing could therefore remain for savings. I ended up not being able to pay and days passed, weeks and months without clearing even a cent. I was listed on CRB as a loan defaulter and they kept on sending notices to me. This hardened my life even more because it affected my borrowing status as many lending companies denied me business loans and other loans when they found my name on CRB list.