I do not need a 3000 word essay worth of goodwill wishes. I do not need the blessing of my whole family tree up to my great granduncle's stepfather. Please for the love of all that is holy I do not have much time I need to go! Every time it's like two whole minutes of my time wasted on something that has not even a smidgen more value to me than a simple "good luck". I swear one more today and I will just interrupt them with "bye, have a good one", turn around, and leave. Just stop!

I'm pretty sure everyone has seen this comments especially the one in the photo, they are so annoying. Like, I get it it's a horrendous thing but, why post it on a funny meme video and spam it everywhere? the case is old, and it's just gonna make people hate the copypaste. I've seen a lot of videos of people being tired of this saying they're gonna start raping people atp.

Title: Should I Pay ₹6,174 to Close My FatakPay Loan While My RBI Ombudsman Complaint Is Pending?

Hi everyone,

I need advice regarding an accidental loan taken through FatakPay, with FDPL Finance Private Limited as the lender.

Here is my complete situation:

- Loan sanctioned: ₹7,000

- Net amount disbursed: ₹6,174

- Loan ID: LFPL-00006777483-12352959

- Loan date: 1 October 2026

- Cooling-off period mentioned in my loan documents: 3 days

- Due date: 4 November 2026

- RBI CMS complaint number: N202627010023322

On 1 October 2026, I accidentally accepted the loan because of an unintended click on the FatakPay platform. I did not want this loan and did not intend to use the funds.

I immediately emailed FatakPay requesting cancellation and asking them to stop the disbursement because I wanted to cancel the loan within the stated 3-day cooling-off period.

However, the company later informed me that ₹6,174 had been transferred to my Bank of Baroda account on 3 October 2026 and that cancellation was no longer possible because the funds had already been transferred.

I did not use the money. I contacted customer support and raised a grievance, but my issue was not resolved satisfactorily. I also received no satisfactory resolution to my cancellation request.

Therefore, I filed a complaint with the RBI Ombudsman through the RBI Complaint Management System. My complaint was successfully registered under number N202627010023322 on 7 October 2026. I also requested ₹1,000 as compensation for the inconvenience caused.

Now, after several days, FatakPay has asked me to repay the amount that was credited to my bank account, ₹6,174.

My main questions are:

1. Should I pay ₹6,174 now, or should I wait for the RBI Ombudsman to examine my complaint?

2. If I do not pay before the due date while the complaint is pending, could FDPL report the loan as overdue to credit bureaus, damage my CIBIL score, or charge additional interest or penalties?

3. If I repay ₹6,174, will that affect my RBI complaint or my request for ₹1,000 compensation?

4. Under the RBI Digital Lending Directions, can I insist on exercising the cooling-off exit option when I emailed the lender within the stated period?

5. Since the lender says the money was transferred on 3 October, does that automatically mean I cannot cancel the loan, even though I requested cancellation on 1 October?

6. If I decide to pay, should I obtain written confirmation that ₹6,174 is the full and final closure amount and that the loan will be closed with no further dues?

7. Is there any risk that paying the amount could be interpreted as accepting the loan or withdrawing my complaint?

I have screenshots of my original cancellation email, the lender's response, the grievance acknowledgement, and the RBI complaint registration.

I would appreciate advice from anyone familiar with Indian digital lending regulations, RBI complaints, and cooling-off periods.

Please suggest the safest practical step to protect my credit score while keeping my complaint and compensation claim alive.

Thank you.

gen x and boomers love saying this dumb shit as if they didn’t live through the 70s, 80s, and 90s. those were literally the most dangerous times to be alive, active serial killers everywhere, child abductions because yall didn’t know where your kids were, these are statistically the most safest times to live in. we’re just used to seeing crime happen bc we have more access to social media, but id rather go outside now and take a walk through my neighborhood at night in 2026 then if i lived in 1986 or something. my mom grew up in the 80s in nyc, this new age isn’t nothing.

Everyone hates you

How do people not understand that using phone on loudspeaker, either watching videos or on call in places like cafe or bar or restaurants for long duration is just so annoying. Nobody else wants to hear your videos, it’s like noise.

I live in LA and this weekend it was supposed to rain Saturday, and it didn’t. Then said it was gonna rain all Sunday morning and guess what? It didn’t. It was saying it was supposed to rain all weekend long a big heavy rain fall and there was nothing barely some droplets. All this weekend has been filled with was some cloudy weather like it wants to rain and disappointment.

​

I have a friend who wants to be in the group chat but constantly claims he’s “not a big texter.”

Which is fine. Nobody is demanding hourly updates, instant replies, or a detailed report of your daily activities. But I do find it interesting when someone wants to remain included in a group while making very little effort to interact with the people in it.

Nobody is forcing you to text. Nobody is forcing you to socialize. Nobody is asking you to make the group chat your entire personality. But if you consistently show little interest in participating, people are eventually going to adjust their expectations accordingly.

What I find amusing is the apparent expectation that your place in a friendship group should remain exactly the same regardless of how much effort you put into maintaining those friendships.

You want to be included, but you don't want to communicate. You want to remain part of the group, but engaging with the group seems optional. You want people to remember you're there without necessarily giving them much reason to feel your presence.

At some point, it stops being about whether you're a big texter and starts being about what kind of friendship you're actually interested in maintaining.

And no, being quiet in a group chat doesn't automatically make someone a bad friend. People have different communication styles. But there's a difference between someone who doesn't text much and someone who seems to want all the benefits of being included without any meaningful participation.

The funny part is that nobody has to confront you about it. People can simply stop expecting you to contribute, stop directing conversations toward you, and stop making extra efforts to keep you involved. Eventually, the group adjusts to the level of engagement you've demonstrated.

Then everyone can carry on accordingly.

You are perfectly entitled to be a person who doesn't text much. Other people are equally entitled to stop treating your occasional presence as evidence of an active friendship.

You can remain in the group chat. You just can't expect the friendship to maintain itself indefinitely while everyone else does the work.

If your condom ad is wailing and whining in the store. Console them, discipline them, do SOMETHING to get them to STFU. Nobody wants to hear that semen demon scream for 20mins or however long it takes for you to gtfo of the store.

FLUSH THE FUCKING TOILET/STALL AND DON'T SHIT ON THE FLOOR.

If you're going shopping on a budget don't fill your cart with $300+ worth of items talking about "let me know when it gets to $80". Also make sure you're card is unlocked, have your payment ready when you get to the front of the line. You're holding up 10+ people because you can't find what card has money on it and have to put back half the cart because you knew you were broke af but still decided to load up all that shit anyway.

Don't ask no stupid ass questions that can be answered by 3 seconds of reading at a 3rd grade level. Context clues go a long way.

As someone who's moved around a lot, this is one of the things that has started to really get on my nerves. I've lived in four different countries over the past 12 years and made a few friends in each place, and there's a subset of my friends who will regularly interact with me through the filter of my nationality almost by default. It could be something as harmless as sending a meme like "people from X country be like" asking me confirm if it's true, to more singling-me-out kind of things like constantly asking me what life is like where I'm from, putting on an accent (my accent in English sounds nothing like where I was born), and basically referencing my nationality at any given moment. Now, I know they mean well and are probably just curious or want to accommodate me in their own I'll-informed way. But man I haven't even lived there in over a decade, I'm probably the least patriotic person from that country you'll ever meet and there's a reason I left in the first place! It just annoys me seemingly being defined exclusively in that way like that's the one thing that stands out to them about me, rather than things that are much more important to me as a person like my sense of humour, likes and dislikes and just who I am as a person beyond my nationality. There was a time when I wouldn't tell anyone where I'm from for this very reason but that was kind of silly too because it is a fact about me, but just one amongst many others. And actually I'm quite lucky in that most of my friends never bring up my nationality unless I do and so with them I feel truly seen for who I am rather than the passport I have. I don't know, I just thought I'd post this in case someone relates.

Like, why'd you include it then? It adds nothing, it's just clutter. This is especially annoying when they don't say that in the title of the post but the entire post body is just "image unrelated". Like, if you're going to bother adding an image, make it meaningful, make it add something to your post, instead of just including an image for the sake of it.

I understand why people record vertically. It’s comfortable to hold your phone that way, it fills the screen when you’re scrolling, and plenty of subjects fit it perfectly. Someone talking to the camera, an outfit check, a makeup tutorial, a tall waterfall? Absolutely. That makes sense.

My complaint starts when the thing being filmed needs room on either side.

Stages are wide. Sports fields are wide. Parades travel down the street. Watching them through a frame shaped like a grocery receipt can get frustrating.

Basketball? The ball goes from one side of the court to the other. The camera is still catching up.

Soccer? Great footage of one player. Presumably there are others.

A concert? The singer, guitarist, and bassist are spread across a stage. I’d love to see them together, especially when they’re interacting.

A skateboard trick? I’d love to see the approach, the jump, and the landing. We got the jump. The landing is between him and God.

A dog catching a Frisbee? The dog runs across the yard. Unfortunately, we have much better coverage of the clouds above him.

I’ve done the frantic camera chase myself. You’re trying to follow the action, swinging the phone back and forth, and only afterward realize that turning it sideways would have kept more of the scene in view.

And cropping existing horizontal footage into vertical clips is especially frustrating. Two characters are having a conversation, but someone’s facial expression gets cut out. A visual joke happens at the edge of the original shot, and now the setup or punchline is missing.

I’m happy to turn my phone sideways to watch something. That’s a pretty small inconvenience compared with spending the whole video wondering what’s happening just outside the frame.

Use vertical when it suits the subject. But when the whole point is watching things happen beside other things, please give them a little room.

It's not only a hatred for the term or anything, I despise it much more than anyone I know. It is just so selfish and ungrateful. In a relationship, if your partner does something good for you, and your first response is "that's the bare minimum", then that is just so mean-spirited to me.

Ofc I'm not talking about very basic things (like loyalty), but I'm talking about things that are increasingly being more "bare minimum". And ofc, you can expect certain things in relationships, but the thing I hate about this term, is how it replaces gratitude. If a man gives his girlfriend flowers, or a woman cooks a nice meal for her boyfriend, both are customary, but not necessary acts that can show love. And for that, you need to thank the person.

Because nowadays, I'm seeing a lot of people, in social media and real life, acting like these acts are not even cause for gratitude. It's spoilt. And it slightly encourages traditional gender norms that some seem to agree in this scenario, but not when other gender norms are expected.

Back in action

Why do most Blacks say "THEY" for the word 'their' ?

Look, I don't know if its therapist, therapy, or the millions of unqualified people self diagnosing or diagnosing other people they've never met with; ADD ADHD, SPECTRUM, NEURODIVERGEN, AVOIDANT, ETC, ETC buzzword problem finding bullshit I'm a new special person bullshit... but I'm sick of them.

Ok, I'm done...

Edit**

Whatever the hell they choose it always seems to be something that relieves the burden of taking responsibility or accountability for what they do and say. It just sounds like a bunch of excuses for being a lazy inconsiderate fuck...

Ok, now im done.

Please turn your phone sideways. The rest of the event is happening over there.

I understand why people record vertically. It’s comfortable to hold your phone that way, it fills the screen when you’re scrolling, and plenty of subjects fit it perfectly. Someone talking to the camera, an outfit check, a makeup tutorial, a tall waterfall? Absolutely. That makes sense.

My complaint starts when the thing being filmed needs room on either side.

Stages are wide. Sports fields are wide. Parades travel down the street. Watching them through a frame shaped like a grocery receipt can get frustrating.

Basketball? The ball goes from one side of the court to the other. The camera is still catching up.

Soccer? Great footage of one player. Presumably there are others.

A concert? The singer, guitarist, and bassist are spread across a stage. I’d love to see them together, especially when they’re interacting.

A skateboard trick? I’d love to see the approach, the jump, and the landing. We got the jump. The landing is between him and God.

A dog catching a Frisbee? The dog runs across the yard. Unfortunately, we have much better coverage of the clouds above him.

I’ve done the frantic camera chase myself. You’re trying to follow the action, swinging the phone back and forth, and only afterward realize that turning it sideways would have kept more of the scene in view.

And cropping existing horizontal footage into vertical clips is especially frustrating. Two characters are having a conversation, but someone’s facial expression gets cut out. A visual joke happens at the edge of the original shot, and now the setup or punchline is missing.

I’m happy to turn my phone sideways to watch something. That’s a pretty small inconvenience compared with spending the whole video wondering what’s happening just outside the frame.

Use vertical when it suits the subject. But when the whole point is watching things happen beside other things, please give them a little room.

You know what grinds my gears

The American government is talking about taking over Canada. Couldn't pick a more friendly country to pick on. Literally known for their compassion and the cheek to declare it as a 51st state. Has the genius of South park not taught these yanks nothing!

The US has even drawn up military contingency plans involving Canada in the past, such as War Plan Red in the 1930s.

What the hell is going on, can someone chime in.