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A public dispute over an alleged unpaid loan, which sparked widespread debate on X (formerly Twitter) about debt recovery and data protection laws in the United Kingdom, has taken a new turn after a detailed response was issued on behalf of the woman at the centre of the allegations.

The controversy began when TheIfedayo publicly appealed for help locating an individual he identified as Aanuoluwapo Otepola, alleging she had taken a loan from his company before travelling to the UK and becoming unreachable.

His post, which included her name and image, drew criticism from other users over potential breaches of UK GDPR and defamation laws.

Following days of online debate and commentary from multiple users, including fraud investigator Sepril23NG, a formal response has now been issued addressing the substance of the loan allegation itself.

In a statement shared publicly and attributed to Gbeminija Omotola, who identified herself as the sister of Aanuoluwapo and said the accused was not active on X, the allegation of absconding with an unpaid loan was disputed.

According to the statement, Aanuoluwapo initially denied taking any loan because, it said, TheIfedayo had failed to disclose the name of the lending company or provide details of the alleged facility. The response claimed that only after repeated requests was the company identified as Zitra Investment Bank, allowing her to search her email records.

The statement acknowledged that a loan transaction did occur in 2022, involving a sum of ₦800,000, but said it was obtained on behalf of a close friend who was unable to independently access the loan facility. It stressed that the transaction predated any plans to relocate to the United Kingdom.

The response further claimed that the loan had been fully repaid in line with the agreed repayment plan, including both principal and accrued interest. Copies of the loan offer letter and available payment receipts were referenced as supporting evidence.

However, the statement noted that access to a complete bank statement was currently unavailable due to a blocked Globus Bank account, which it said had limited the ability to retrieve full transaction records at this time.

The response also questioned why no formal demand or notification of any alleged outstanding balance had been communicated by phone, email, or WhatsApp, despite the lender having access to her contact details. It described this as unusual for a financial institution.

It added that following the public allegation on X, it was Aanuoluwapo’s sister who reached out to TheIfedayo in an attempt to resolve the issue privately, but claimed the interaction was met with hostility.

The statement concluded with a formal request for written documentation clearly outlining any alleged indebtedness, including a detailed breakdown of how any outstanding balance was calculated.

TheIfedayo, who was tagged directly in the response, has not publicly replied at the time of writing.

The dispute continues to fuel broader discussions online about ethical debt recovery, the use of social media in financial disputes, and the legal risks of public accusations under UK law. Legal commentators involved in the earlier debate reiterated that unresolved financial disagreements are typically expected to be handled through formal documentation, regulated debt recovery processes, or the courts, rather than public call-outs.