A Nigerian man recently shared a compelling chat. It details an incident with his “talking stage.” She reportedly shamed him for asking for N20,000 back. The man, identified as Tony Cruise on TikTok, posted the conversation.

Loan Repayment Encounter
He lent the woman N20,000 in November. He later requested its return. She first cited banking app issues. Then, she began her verbal attack.
Unjustified Criticism
The woman mocked him instantly. She found his request for repayment surprising. She believed he should not have sought the money. Even with the term “borrow,” she implied repayment was not expected.
She questioned him directly. “Did you truly expect repayment,” she asked, “even after I called it a loan?”


After prolonged discussion, the man conceded. He decided to relinquish the loan. He was clearly exasperated.
“I anticipated this,” the man admitted with resignation. “I paid to confirm my suspicions. It’s fine; enjoy the money.”

The full interaction is viewable in the video. You can find the video shared by @tony_cruise07 on TikTok.