 Coming up on the fifth floor, instant loan apps promise easy money. But what's the catch? They would first make polite calls that you better pay, then a little harsher calls. Then the third stage would be, you know, they will start blackmailing. If you still do not do it, then they would start texting your contacts, your family, your friends. The cyber scam devastating lives across India and the investigative journalists who exposed it after the latest BBC News.