Philippine Fair Debt Collection Practices Act
This article is posted under General Information, Personal Finance.
Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in the Philippines.
I know some people who have been harassed by credit card debt collectors and suffered a significant amount of humiliation from their family members and colleagues because of rude calls and letters from these agents.
These horror stories actually made some friends of mine paranoid about getting credit cards. This is sad because credit cards are great tools for financial leverage if you know how to use them wisely.
Anyway, my online search led me to the Philippine Senate website. Apparently, on July 4, 2007, during the 14th Philippine Congress, Senator Miriam Defensor Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices and Requiring Debt Collectors To Observe Such Practices”.
In her explanatory note, she says:
There is abundant evidence of the widespread use of abusive, deceptive, and unfair debt collection practices by many creditors and debt collectors. Abusive debt collection practices have contributed to a number of unwarranted personal bankcruptcies, to marital instability, to loss of jobs, and to invasions of individual privacy. Existing laws are inadequate to protect borrowers. In fact, the borrowers’ only recourse is Article 287 of the Penal Code.
The purpose of this bill is to eliminate abusive debt collection practices by creditors and debt collectors for the following reasons: First, means, other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts; second, to ensure that those creditors and debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged; and third, to provide an adequate legal remedy to consumers against abusive debt collection practices.
In case you’re wondering what Article 287 of the Philippine Revised Penal Code is, I also researched that and it states:
Art. 287. Light coercions. Any person who, by means of violence, shall seize anything belonging to his debtor for the purpose of applying the same to the payment of the debt, shall suffer the penalty of arresto mayor in its minimum period and a fine equivalent to the value of the thing, but in no case less than 75 pesos. Any other coercions or unjust vexations shall be punished by arresto menor or a fine ranging from 5 pesos to 200 pesos, or both.
In any case, if you’re interested in reading this Senate Bill, it is available for download as a PDF file on this page. I tried to fully understand what it says and from my point of view, here are some of the important things cited inside the bill:
- All debt collectors must fully identify himself or herself and state the institution he or she represents.
- Debt collectors cannot call during times when it is known to be inconvenient, which is initially assumed to be before 8 in the morning and after 9 in the evening,
- They cannot contact the consumer at work if the collector knows that the employer doesn’t approve of such calls.
- Debt collectors may not harass, verbally abuse or use profane language when communicating with the consumer
- They are also prohibitted from using false representation or identity, such as that of a lawyer or a police authority, to coerce the consumer into paying his or her debt
- Debt collectors may not solicit payment for fees other than which is legally owed by the consumer.
- They should also honor a written request from the consumer to stop further contact from them.
I think this law is a very important one. Unfortunately, this bill is still pending in the Legislative Committee on Banks, Financial Institutions and Currencies.
Please note that I have no legal background. If you think that I misinterpreted any part of the bill in this post or if you have any update or additional thoughts regarding this matter, then please share them by leaving a comment below. Thanks.
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Photo courtesy of luba ma
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Hi, my name is Fitz and this is my blog entitled, Ready To Be Rich.
Naku, kelangan ko nang sindakin ang mga may utang sa akin habang puwede pa. Hehehe…
Hope this bill will become a reality.
i was wandering if you might have a knowledge about bouncing checks(B22).. i have this friend who got loans which she issued multiple PDC’s for like 3 banks, because she needs it for hospitalization of her mother, whose suffering from cancer. well she used to pay it on time, but as her mom conditions worsen, she failed now to pay it (like 4months pass due). and she was too afraid that she might be sent behind bars for these PDC’s. I wanted to help my friend, she is so paranoid now, dame na kase tumatawag sa kanya, kakasuhan daw siya sa higher court, for intentionally not paying and issuing bounced checks. hope you could help me with this. thanks
Do debt collection agencies need to have a license to operate in the Philippines??
Hi jared. Debt Collection Agencies operate as a business, thus, they need a license to operate in the country.
I don’t know about other countries but these guys helped me a lot with debt collectors and i think they are expanding to other countries. http://cpinstituteonline.org.
Fitz Salamat Malaking Tulong itong webpage mo.My mom just passed away after two months battling with lung cancer.The expenses at the hospital and the funeral left us in debt.Now I’m being hounded by http://www.cibi.net.ph/home.asp# for my credit card bill.I would have wanted to explain my side, but the lady collector was so rude,I didnt bother.When I asked her not to call until she was in a better mood,she rang again and yelled “magnanakaw!”(thief!).Minsan hindi na sila maka tao.Anyway as far as I know,nobody goes to jail for being behind on your credit card bills and bouncing checks.
oh really? what will happen to those who have overdue acount of credit cards if they won’t pay their overdue acount?
Hi Nivz, as far as I know, if you don’t pay your overdue account, the worst thing that could happen is that you’ll destroy your credit history and will find it hard to leverage financially.
hi, i just like to ask something. i have unpaid bills (creditcard) and of course i never wanted for this to happen just that i had too much obligations at home that i dont have enough cash for my own expenses. now, the collector (hired or working for the bank) of course kept calling me in the office. but the person was very rude. he would leave badwords and threats in my voicemailbox. it’s very rude and embarrasses me in the office. is there anything i can do to protect my self? i know i had to pay my bills but i dont think i deserve that kind of treatment and the threat that he will have me kicked out of the office really bothers me. i hope comeone can give me an advise. thanks!
Just pay you bills or call the creditor and make arrangements to pay your bills. Sell all of your valuables to pay your bills.
And from now on, don’t use credit cards. Pay cash. Obviously you are not responsible enough to have credit.
Lastly, don’t leave the country to escape your debt. You are just compounding the issue for your relatives in the Phils.
A month back, someone tried to harrass me sa ofc and they identified themselves as police. Our office personnel was smart enough to call the headquarters they represent at nalaman na wala daw names na ganun na ngeexist dun. Afterwards they did not call anymore. I was just surprised the other day kase some “policemen” daw ang ngpunta sa house namin looking for me and gave a fiscal’s name and number coarsely written on a piece of paper.Yun lng. I dont even know if their visit is legal and I dont know if they are indeed police or mga ngpapanggap lng para manakot. They didnt even leave any legal document for me to know what the visit is all about. I really dont like it coz its scary and humiliating. Is that legal? What else can I do to stop them from coming to my home?
Hello. Naging very helpful po ang topic na ito, lalo na sa mga CC users na kagaya ko. I wonder kase kung ano ang mangyayari sa akin if sakaling diko na kayang bayaran ang mga CC bills ko. Alam kong mangungulit sila para maningil. Pero hanggang kelan? darating pa ba sa point na pati employer ko ay kokontakin nila? Nakakahiya nga at nakakatakot kung ganun. At sa mga banks, ano po ang nangyayari kung sakaling ‘dina talaga sila nababayaran? Wala po ba silang budget para sa mga ganyang cases? idedeclare nilang loss?
Don’t let these turds intimidate you – they’re just using every tactic in the book to make you pay up.
Some things you should know:
1. No one goes to jail because of bad debt. Period. Unless of course there are cheques involved, then that makes things a bit complicated. The point here is that they can’t force you to pay up if you really have no means of doing so.
2. Credit card issuers have what they call collection “buckets” – buckets represent the number of months a cardmember is delinquent. When your delinquency reaches the last bucket, the bank writes off or “charges off” your debt as an operational loss and they “sell” your account to a 3rd party collections agency. How does that work?
For example, your original balance is 100,000.00. We all know that credit card issuers make a profit from the interest, penalties and other fees that they slap onto the cardmember. When they charge-off an account, they sell your original 100,000.00-peso debt to a collections agency. So the bank is able to get back the amount they loaned you – it’s just that they didn’t profit from it, which is why it’s considered a loss.
So how does the collections agency make a profit?
They will continue collecting the total amount you owe the bank – which includes all the interest and penalties accrued from being unpaid over time. So your Php 100,000.00 debt plus interest and penalties, would make your total balance amount to, say, Php 150,000.00. If they are able to successfully collect from you, then they just earned themselves Php 50,000.00.
The rude bastards who harrass you are, more often than not, the employees of the collection agency and not the bank.
3. Threats of having the police or baranggay tanods arrest you is just plain B.S. – if ever someone does show up, it’s just one of those retard collectors playing pretend (you gotta give them props though for making an effort for being in character and memorizing their lines – seriously, these guys could get jobs as extras na goons for some low-budget action film here).
3. A law firm or Atty. Blah Blah calls you and threatens to take you to court because of your unpaid debt. Right. Again, it’s just the same collectors, only this time, they’re playing a different character.
Besides, don’t you notice that most of these idiots have really bad grammar? I mean, seriously, if you really are a lawyer, shouldn’t you at least be able to speak decent English?
On the flipside, though, you should also realize that these guys get paid by the number of debtors they successfully collect from – so think: rudeness = takot sa gutom.
But still, that does not justify their inbred behavior.
So the next time someone harrasses you, and says things like what that jackass Ontime said above, don’t cower into your little corner. Talk to them calmly and politely. If they’re still rude and abrasive, feel free to yell back, cuss at them or simply hang up.
Just because you owe money that you’re unable to pay doesn’t mean you are devoid of your rights as a consumer.
Thank you so much Senator Santiago for protecting the rights of consumers and debtors. In our case (officemates) credit cards simply arrive in the office with a note saying “treat this as cash”…of course, who can resist such a ploy given our minimal monthly income?
These credit card collection agencies are profiting at the expense of financially hard-up Filipinos! We hope their immoral practices will soon end.
Thank you.
to ex-collector, you are an angel from above!!!words are not enough to express the feelings i have right now..because someone just called me up 30 minutes ago regarding my unpaid credit card bills. just like anybody else, i do not have intentions of becoming a criminal because of this…but honestly, i am really afraid…to my kababayan sen.defensor santiago, cheers to you!!! sana nga this bill will be finally be approved…to protect Filipinos who’s earnings not even sufficient due to economic reasons…yun bang tipo ng masipag naman mag trabaho pero di maganda ang kompanya at dahil dito nag tyatyaga na lang kaysa mapabilang sa high percentage of unemployed dito sa pinas…
one more question…will this in any way has an effect if ever my family and i will process papers to migrate to canada in the next 2-3 years? i have my passport now already…
to all the people na nag share ng info, thnx a lot…but i just want to know if what will happen if may involve na bouncing checks??? i have a loan in a bank payable for 3 yrs, i had no probs in paying for the first year but something happened to my dad because he had cancer and because of that i wasn’t able to pay it anymore..I have 3 CC’s as well, good payer kc ako noon so banks will just send me a CC sa office w/o any application…hindi na ako nakabayad sa lahat ng mga utang ko sa mga banks coz of high interest rates/penalties and other charges… and there was one time a law firm contacted my aunt saying that they will put my case on a higher court if i won’t pay…and the worst thing is, I lost my job…I’m planning to get a passport para mag work abroad, is there any chance that I won’t get a passport for bad credit history????and if i’ll go to jail because of bouncing checks???
@heather101, this is just what I know and may not be correct but I believe that having a bad credit history doesn’t greatly affect your chances of getting a passport so you’re fine on that aspect. However, issuing bouncing checks can be turned into a criminal offense and yes, you can go to jail.
dis january nangailangan aq ng malaking halaga kc may babayaran aq n utang…lumapit aq sa kaibigan q..meron silang kinkuhanan n nagpapautang ng 5 6..inissuehan aq ng cheke n P30,000 dated last jan 24..ang usapan namin ay makikiride lang cla sa uutangin q..kaso sa dahilang kinailangan q lahat ng pera d q cla nabigyan..dun n cmula ang pang haharass nila to d point n tinatawagan n nla aq sa ofis at kinakausap ang mga boss q…dinala p aq sa presinto last friday para magpablotter..pinuwersa nya aq n magbigay ng promisori note..para matapos nalang ang usapan pumayag aq sa una nilang gusto n ibigay q ang 15000 last sat…kaso..ung inaasahan q n pera ay d dumating kaya 4000 lang ang naibigay q…tnxt q cla kahapon n magkita kami sa pinagblotteran sa akin para makagawa aq ng promisori note uli…pinipilit q n mabayaran kaso talagang nahihirapan aq n makahagilap ng pera sa ngaun…ang sv nila ay pumunta n cla sa presinto dahil hindi q tinupad ang pangako q na maibigay ang 15,000 nung sabado…natatakot aq n iskandaluhin uli nila aq dito sa opisina…willing aq magbayad kaso hindi q kaya ang gusto nila n agad agad ay ibigay q ang pera…panu po ang gagawin q…tnx…
Thanks so much Fitz and ex-collector for sharing your ideas. you helped us a lot.
Just wanna ask btw, if i wanna payoff credit card debts but account was already sold to some b.s. 3rd party agency, is it still better to go directly to the bank i owed instead of the agency? im just not comfortable dealing with those crocs. thanks again.
@bubbles
I’d recommend that you go directly to the bank, if you can contact their credit collection office, the better.
Then ask them to give you the exact amount of debt you owe and pay the bank the amount directly.
The bank can take care of the collection agency commission.
Hi, Mr. Fritz.
I have a credit card debt. I recently lost my job with two months back pay to collect pa. The collecting agency wanted me to pay the discounted amount of 16,000 (original debt 24k). I was only able to raise 2000. I thought I would be receiving my back pay and said that I’ll try to meet the 02/26 deadline for the 16K at the same time asked for an extension. Unfortunately, I didn’t get to collect. What should I do? Will I be facing legal action next?
Thanks.
@Gretchen
The short answer is no. Please read this article for more information: What Happens If I Don’t Pay My Credit Card Debts
Sana me relevant tanong ko. Kung hindi paumanhin sa inyu. Yung DSL ko me unpaid na 7,000. tapos binigay sa collection Agent hinarass ako na magbayad ng 11000 tapos sabi ko la pa ko pambayad. Sabi dadalhin na raw nila sa korte ang issue at dadagdag sa babayaran ko ang attorneys fee. Isa ba to sa style nila na pangharass. Pwede pa ba ko dumiretso pa sa ISP company mgabayad ng talagang balance na 7,000. Me nakasuhan na ba sa delay na pagbayad ng service? Ako lng ba nakakaranas nito? =(. Thanks to you Mr Fritz and Senator Santiago.
hi, i need an advise.. i have a loan in three banks at 75k each halos sabay-sabay ko sila nakuha the last time i need money.. nakapagbayad naman ako ng 3mos na amortization sa kanila kaso na-stop na pagbabayad ko 2mos ago, nagse-send na sila ng notice sa akin kaso wala ako pambayad.. ide-demanda daw nila ko sabi sa letter.. makukulong kaya ako if idemanda nila? if not, ano kaya mga pwede mangyari.. pls help me.. medyo paranoid na ko.. salamat..
hi mr. fritz / anyone who can help me,
i need your comment on my post above..
thank you…
hi fritz! I have a personal loan abroad. UAE in particular. I defaulted on that loan and I am now here in our country. Is there a way that UAE bank can sue me here? Thanks!
sssj2010
thank you for all the info you shared to all credit card holders who suffered and experience rudeness from collectors of some collection agencies like what had happen to me last october 2009 when a cpllector from a certain collection ageny called me he was very rude and saying bad words which I think he was not eating for some days because of his eagerness to collect from me.during our convrsation I told him that I don’t have that some of money he is collecting me from my EASWEST credit card when in fact my obligation is only 20,000 and I had already paid more than 15,000 thousand for my installment. I told him that I don,t have that much because I am financing the medicine of my sick mother and I am suffering financial problem and I am not denying my credit card obligation and sad to say he did not understand me instead he keeps on threatening me. After our conversation, I left the office because I have to attend a meeting in Makati. According to my office mates, five minutes after I left the office another person from the same collection agency called again and my office mate told him that i am not in the office because I will attend a meeting
sad to say again that idiot guy say bad words na bakit daw tinatago ako ksi daw kakausap niya lang daw sa akin tapos wala na agad ako baka daw ipa dampot ako at nag insist na ibigay iyong address ng hotel where I attended the meeting para daw iserve iyong warrant of arrest. Biruin nyo kung gaanu siya kabubo na akala niya wala pinagaralan iyong ka officemate ko na hindi siya kayang sagutin. The following day pag dating ko agad sa office kalat ang balita ng tinatakbuhan ko daw utang ko at ipapa aresto daw ako ang ginawa ko tinawagan ko iyon coolection agency to confront them what the bad words they are saying against me at sinabi ko na nakausap ko naman sila kaya lang umalis talaga ako . Alam niyo ba mga parehas ko card holder pagkatapos namin mag usap na pinapabayad ako ng 25k after 10 mins. kasi kung hindi daw ay magfile na sila ng kaso at mag bail na ako ng 5k at ipapakulong daw ako. May tumawag uli sa akin on the third time at police daw siya at alam niyo ba may ginawa pa sila estelo na gumawa sila ng serena na police para pantakot nila na hindi naman siya pulis at tianakot talaga nila ako at nagkunwari may tumawag na siya daw si attorney eh sa pagkabigla ko naman ay nakiusap ako sa atty. daw iyon at sinabi ko na wala talaga ako pera maibabayad sa araw na iyon kasi may sakit mother alam niyo ba ang isinagot sa akin ng atty / daw na iyon hayaan ko na lang daw na mamatay ang mother ko wala daw siya pakiaalam. to make the story short I reported it directly to EASWEST Bank and I request them to pull out my account on that collection agency. The bank replied me and granted my request. Now I am paying monthly to the bank. Sana mabigyan ng attention ng mga opisyal sa gobyerno ang masasamang ugali nitong mga collectors na ito at sana magkaroon din ng bill para idemanda ang mga ganito nag sasalita ng masasama sa kapwa nila at nanakot pa.
Thank you Mr. Fitz for this very informative site.
Question: Is there a law that protects credit card holders personal information?
recently, my wife received a call from a credit card collection department. I was shocked to know that they called my wife and not me wherein I’m the principal card holder of the account. They asked for my personal information like bday, billing address, mother’s maiden name, etc. which my wife was able to verify. the collection rep reminded my wife about my upcoming due date, due amount and outstanding balance. What’s worst is that they called her on office phone number. i only provided them 1 phone number on my account.
what i wanted to know is that: do banks have the right to disclose such information to my wife?
Thanks a lot for all the information shared in this site, I really appreciate it…
I am a CC holder before and that time I was pregnant, was hospitalized when I was in my 7th month, unfortunately, my husband lost his job and ako lang ang may work that time. Of course, I will have a baby and kailangan ko unahin ang paggastos sa pagbubuntis ko and hindi ko na nabayaran ang CC ko. I was verbally harrased to think that my debt that time was only Php 12,000.00, imagine? with that amount kung ano ano na ang sinasabi nila sa akin. I always ended up crying after talking to them (Collectors) and paulit-ulit nila ginawa until I lost interest in paying my debt.
My concern right now is, if ever po ba na I apply for another credit card or salary loan from a bank, big chances po ba na they will dissapprove my application?
Thank you po in advance sa lahat po ng magrereply…
I am being hounded by a Daniel Salvan from Anonuevo Credit and Collections Inc. he coerced me to write a letter saying I will pay half my due on a certain date. After reading a lot of sites after he insulted me and caused me a nervous breakdown, and found out that writing will be more dtrimental to myself. However, seeing how bad these collectors are treating other debtors, is there any legal relief that a once good payer like myself can seek? I only became delinquent because my partner lost his job and like many of the stories here, I am the only one responsible for my family.
found this template from another site. if u have lawyer friends or if you are willing to pay for a lawyer for a few bucks to sign this letter for you, then this could help a lot.
Lawyers address:
Address of collection agency:
Date:
Re: Acct: 012345678
To Whom It May Concern:
This letter is being sent to you in response to a demand letter sent to me on 02 August 2005 that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION.
I respectfully request that your offices provide me with competent evidence that * (your name) have any legal obligation to pay you. Please provide me with the following:
? What the money you say (your name) owe is for;
? Explain and show me how you calculated what you say (your name) owe;
? Provide me with copies of any papers that show (your name) agreed to pay what you say I owe;
? Provide a verification or copy of any judgment on (your name)
? Proof that you are authorized to collect by your __________________.
* Proof that your client referred my account to you for collection.
? Proof of billings submitted to you by _______.
? Show me that you are licensed to collect.
? Provide me with your SEC license numbers and Registered Agent.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 45 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 7 days from the date of your receipt, all references to this account must be deleted and collection notices completely stop.
I would also like to request, in writing, that no telephone contact be made by your offices to my client’s home or to his/her place of employment. If your offices attempt telephone communication with (your name), including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit and report such harassment to the National Bureau of Investigation or other Law Enforcement Body.
All future communications with me MUST be done in writing and sent to me (name of lawyer)It would be advisable that you assure that your records are in order before I am forced to take legal action.
Respectfully,
Signature
Name of Lawyer
i have sentiments regarding these collecting agency,enzi in particular.i told them to send me the statement of account to my email pero until now, wala pa sila naipapadala.please help me with this,ung utang ko sa cc, sa dubai pa un.
hello po…
magandang araw po..
isa po akong estudyante fourth yr highschool na po ngayong magpapasukan.naging dealer po ako ng kapitbahay namin na kumukuha ng products sa avon,natasha,at fuller life.ngayon po..
alam ko hong may utang ako sa kanya at nangako nman ako na magbabayad kahit paunti unti dahil aminado nman ho ako na may nagastos ako sa mga pinaningil ko bilang pangtustos sa nakaraang third year ko.
ngayon po nagulat ako ng magpadala ang avon ng sulat sakin at kapag hindi ko raw po nabayaran ay i sesettle na lang daw po namin un sa korte.sinisingil po nila ako ng halagang 4,521 na sa pagkaka alam ko ay total ng lahat ng utang ko sa kanya,at hindi un avon lang kaya ho gusto ko hong itanong kung pwede kong bayaran lang ang avon ayon sa mga produkto nila na nakuha ko?i babawas ko ho ung ibang total na hindi nman avon product ok lang po ba un? saka ho naniningil pa rin po ako hanggang ngayon dahil marami pa pong may utang sa akin nahihirapan na po ako.natatakot din po ako na baka makulong ako.ano po ba ung pwde kong gawin para hindi un mangyari?kasi po magbabayad nman po ako kaya lang di ko po kayang biglain dahil buwanan po ang sahod ko bilang katulong at kakasimula ko lang po..ayoko na pong umabot sa korte ang lahat..tulungan nyo po sana ako kahit lang po sa payo magka ideya lang po ako kung anu pong pwde kong gawin malaking bagay napo. sana po tulungan nyo ako..pwde po bang i email nyo na lang po ang sagot nyo?
ngayon pa lang po nagpapasalamat na ko…
ravensaint07@gmail.com
Hi Fitz…Please Clarify this: Is it true that if you have unsettled credit crad dues/debts, you cannot get an NBI Clearance? Because they say that if you have any existing cases regardless if it is Criminal/Civil in nature like credit card due your identity will be a HIT in NBI that prohibits this agency issuing your NBI Clearance? Please clarify….
To Joseph on May 24th, 2010
Though I am not Fritz but I think I can answer your question. Please proceed getting an NBI. You will congratulate yourself. You can even go abroad for better job opportunities, to settle your CC debts. No NBI Clearance and Hold Order if you have criminal cases. I assume your case did go to that extent. Banks will not file criminal cases against debtor due to cost, time and effort.
Buong puso akong nagpapasalamat sa mga nag contribute ng ideas nila lao higit kay Fritz. Nasa Saudi po ako ngayun at ang family ko ay nasa Pilipinas. Taon-taon po akong umuwi at tuwing uuwi po ako ay iba’t ibang demand letters ang nadadatnan ko. May mura at hinagpis pang pasalubong ang asawa ko sa akin dahil sa mga pananakot ng mga Kolektor. Ngayun ko lang ito nalaman, dahil sa website na ito. At ngayun ko lang din lubos na nalaman na may karapatan pala tayong di magbayad. Salamat, salamat kay Sen. Miriam Santiago. Pagkatapos kong basahin ang mga nakasaad dito, tinawagan ko agad ang asawa ko sa Pilipinas at pinadala ang mahalagang bagay dito sa kanya.
Taon 2005 ay nag-abroad ako dito sa Saudi. Isa akong enlisted Phil. Army. Nag AWOL ako. Bukod sa aking mga utang sa Banko at ibang lending institution ay may utang din akong personal. Taon-taon naman akong nakakakuha ang NBI at ibat-ibang papeles para maka work dito sa Saudi. May awa ang diyos ay nakakaahon kami sa hirap. Yung mga utang ko na Cash sa mga kapitbahay ay nabayaran na. Yung nasa lending at Savings Loan lang ang wala. Ito ngayun ang gusto kung ihingi ng payo sa inyo,, sa lahat:
a. Limang taon na ang lumipas. Gusto ko sanang bayaran ang mga loans ko. Pero sabi ng mga dati kung tropa ay bayad na daw yun dahil insured sa PDIC. Paano kung hindi? Sayang naman mga investments ko. Paano ko kaya i-verify yun.
b. Pagdating ng panahon at singilan na.. maari ko bang bayaran yung Principal amount lang o actual na nahiram ko noon na walang interest?
c. Sabi ng mga kasamahan ko dito ay di ko dapat ibalewala ang mga demand letters. Ang problema ay ang asawa ko ang nakakatanggap nun, hindi ako. Ilang beses ba dapat magpadalang demand letters ang mga banko??.
Marahil ay alam nyo na ang mga banko ng military personnel. Yun po ang mga banko na tinutukoy ko.
Sana po ay may magbigay ng ideas para mawala ang kaba ko at ng asawa ko. Sana po Fritz…. Di ko po tatakbuhan ang mga utang ko. Gusto ko pong magbayad sa tamang halaga at sa tamang banko na pinagkautangan ko. Di po talaga maganda ang ginawa kong umutang at nangibang bansa.
Hello po. Salamat at meron palang ganitong page. Matagal ko ng problema ang utang ko sa Fuji Xerox Phils. Nalugi ksi ako sa business, isinosoli ko na sa kanila un 2 machines na installment under sa name ko. Kahit daw isoli ko ang machines ay kelangan ko pa din daw i-settle ang full amount dahil nasa contract daw un. Kahit anung gawin ko ay hndi ko na kakayanin ang halagang sinisingil nila sa akin. Me mga issued checks ako sa kanila na bounced. Hindi ko na alam ang gagawin ko. Nasa collection agency na ang account ko. Me solusyon pa po kaya ang problema ko? Nsa 1.7M pa po ang sinisingil nila sa akin at hindi ko na din nagagamit ang 2 copier machines dahil stop na nila ang services. Ayaw na din nila i-restructure ang account ko dahil nka-dalawang restructure na ako pero hindi pa din talaga kayanin ng kita ko ang monthly na hulog. Ito ang pinagmulan ng sakit kong stress at hyperventilation. Sa tuwing maiisip ko ang problema kong ito ay inaatake ako ng sakit ko. Hindi ko na alam kung saan pa hihingi ng advice. Mabuti na lang at napunta ako sa page na ito. Sana po ay me makatulong sa akin. Matagal ko ng nire-research kung me rights ba ang mga debtors. Gusto ko po sanang malaman ang mga rights ko.
To all those with really serious debt problems,
I would like to say that the best thing you can do is to consult a financial planner and/or a lawyer.
They are equipped with the proper knowledge of the law which can help you answer all your legal concerns and likewise help you come up with the best solution to your situation.
Thanks and God bless.
I’m 28 years old and I have a total debt of about 450K to 500K (debt comprises all credit card in good standing and in collection agencies, and personal loans from 3 other lending institutions/bankcs). I have a life insurance that is about 500K. If ever I should die, will my beneficiary or the people in my “last will” be obliged to pay all my debts?
If ever I should go to prison (which I’d really prefer) for none-payments of credit card debts, how long does it usualy take to be in prison or should i say what is the maximum months or years that I would be in prison if I should plea guilty to possible charges from credit/collection agencies?
I would really appreciate answers to my questions since this would really clear what’s bugging my mind.
Thank you.
Maraming Salamat sa lahat:
sa lahat ng share sa blog na ito,
marami rin ako utang. of course lahat sa atin ayaw natin nito if kayang bayaran, bayaran diba if legit naman ung utang.
yun nga lang gaya ko. wala rin ako talaga pambayad sabay sabay para tumigil na lahat.
fear is lack of knowledge tlga totoo un sobra. gaya ko natakot din ako noong una. nagbayad ako ng malaki inuna ko pa sa personal needs ko.
meaning how stupid i paid the big initial payment ng loan ko nauna sa basic needs ko. na sila nagsabi ng minimum amount na babayaran ko and date. nagkataon may natabi ako kunti kasi ayaw ko tlga ng gulo, ung nga lang inuna ko pa sa FOOD, CLOTHING, HOUSE, BILLS (Tubig, kuryente, telepono & internet, others)
gusto ko na matapos lahat ito kasi ang hirap sa loob sobra. syempre kau rin na nasa ganto sitwasyon. after years of effort na makatapos ng college then hirap sa work para sa pangarap ko umabot pa ako sa ganto stage pa.saklap diba. na sobrang daming utang na feeling mo ang liit ng mundo mo.
walang may gusto nito. pero i think 1 thing is for sure malampasan man ito ngaun may chance parin bumalik sa dati. uutang at uutang ka parin, if di magbabago ng financial habits. like you i don’t want to live pay check to pay check life. sad to say one day millionaire life. siguro iba satin dito na sobrang laki rin ng kita kung tutuusin pero umabot pa dito sa stage na ito.
nakita ko itong program ni DAVE RAMSEY – financial peace university.
masasabi ko. I know am in good direction. am aspirng to be debt free life pinoy.
i know it can help you as its been a big help to me right now. marami parin ako utang pero di na ako takot.
i know my directions already. sa totoo nyan di ako marunong maghawak ng pera nanghihinayang nga ako sa mga pumasok na pera dati.
ito ung high level na natutunan ko sa DAVE RAMSEY Financial Peace University.
Baby Step 1: Emergency Fund:
partial lang. sila sa US turo nila 1,000USD so mga P47,000 sa atin
basic steps lng un ah. so ano man mangyari may huhugutin di kana mangungutang
Baby Step 2: Bayaran lahat ng utang (ituturo nya pano makipagusap sa mga colelctor, kasi kung makikita nyo unahin mo muna ung basics mahirap humarap sa problema pag wala kang kuryente sa bahay, di ka nakakabayad sa bahay, di sapat pagkain mo, delayed ka sa bills mo)
Baby Step 3: Fully funded emergency fund: 3 to 6 months ng sapat sa pamilya nyo na expenses
if you are earning about 15k x 6 months so ang dapat mo na fully funded emergency fund is 90k; mawalan kaman ng trabaho ng 6 months buhay ka parin lalaban ka parin ng buhay na di nangungutang.
then Baby step 4,5,6:
More on pagpapayaman na yan at SAVINGS SAVINGS SAVINGS…
pano ang investment, pano insurance, pano retirement plan.
simple lng sa tingin ko karamihan sa kababayanan natin malayo sa pagisip ng future after retirement.
isang tanong lang tinanong ko sa sarili ko. gusto ko ba ng walang pera pagtanda ko at hihingi nlng ako ng limos sa anak or kapamilya or kaibigan ko sa grasya na bigay nila kasi hindi ako marunong maghawak ng pera noong malakas pako?! sakit noh.
then lastly ituturo nya ang value ng sharing.
Balitaan ko kayo pag DEBTFREE na ako.
Share nyo rin po sa iba ha.
Mabuhay tau kapwa pinoy.
God Bless.
note to commentor: your entry has been edited
Hi guys, i have a concern about my nbi clearance. I just got a decent job offer in KSA and I already passed the medical exams and all. I went to the NBI office to get my clearance. However, my name was on the “hit” list. Sabi, baka may kapangalan lang daw.
I am really very worried kasi nung mga 8 years ago, I issued some checks that bounced. I really regret having not settled my obligations but with the right finances, I am very willing to settle them. Wala lang talaga ngayon.
My questions are these: (1) is it probable that NBI will have a record of my case eventhough I did not receive any subpoeans yet kasi nag bayad naman ako ng konti dun sa in-issue-han ko ng checke, although medyo matagal na rin.. and (2) what is the fastest way to settle my case? May kilala ba kayong lawyer who can help me?
Sayang kasi opportunity. Pag matagalan pa ang NBI clearance ko, malamang maghanap na ng iba ang employer…
help please.
hi! my husband has an unpaid loan in a lending company 3 years ago. we paid it daily kasi arawan yung collection. mangyari nagkaroon kami ng problema financially when both of us nawalan ng trabaho at natigil sa pagtinda. 20k lang yung principal loan namin at nabayaran namin halos kalahati ng utang.
the time na wala na kaming mapagkunan na pera natigil yung pagbayad namin kasi inuna namin yung basic needs namin lao we have 5 kids.
hanggang sa umabot sa 35k yung utang namin dahil sa daily interest.
we ask them na kunin na lang yung collateral namin pero di sila pumayag. bayaran na lang daw namin ng buo yung 25k.
hirap kami makahanap ng ganung pera kasi wala naman kaming mapag kautangan at wala na kaming trabaho at negosyo. nakabayad naman kami minsan pero sabi sa interest daw yun mapupunta.
last year nakausap ko yung isa sa employee nila at sabi may 34k daw kami na utang pa. babayaran daw namin yun sa loob ng apat na buwan plus mag interest na naman.
mahirap mag hanap ng pera syempre lalo na may binubuhay ka…
this year bumalik na naman yung collector at sabi umabot na 116k yung utang namin. pero kung magbibigay kami ng bultong 70k tapos an lahat ng bayarin namin.
masyado na pong malaki ang hinihingi nila. hirap nga kami sa 25k na bultong pabayaran ng manager 70k pa kaya.
pwede po ba kaming humingi ng penalty condonation sa lending company na yun?
fair po ba yung 116k na pababayaran nila o di kaya yung 70k na bultong kukunin nila sa amin.
san po ba ako pwd humingi ng tulong?
dapat ko bang bayaran yung amount na yun o pwd na yung principal amount na lang ang dapat kong bayaran…
please help.
salamat!!!
magandang hapon po sa lahat. Gusto ko po sana malaman kung ano po mangyayari. Kasi pu un tatay ku pu e maraming credit card n0on pu nkakabyad naman xa e e2 poNG nkaraan umutang pu xa ng umuTANG kc pandagdag pu sa skul ko. NkakaBYAD NAMAN PU XA N0ON KAYA lng pu e nagkataon ngksby sby ang gastos pu namen. Ayun ndi n pu xa nkakbyad on tym kc d rn naman pu sapat ung kinikita ng tatay ko. Nag resign n nga pu tatay ku sa opisina dahl tawag ng tawag ung banko nang0ng0lekta ng byad nakulitan n c papa at nhya n sa mga kasamahan nia kaya umalis xa s w0rk. Ngaun naman pu e pinadadalhan pu kame ng mga sulat at sabi pu may ififile daw pu cla ng criminal case at sa k0rte n daw pu mapupunta ang usapan un pu sb s sulat. May loan din pu c papa at gn0n dn pu ang gngwa nagpapadala dn pu ng sulat. NaAawa pu ako sa tatay ko dahl ndi n pu tlaga xa capaBLE mgbyad dhl wala naman pu cla w0rk n mama ngaun kundi maliit n store lng. Pls pu. nid ku pu advice niu totoo pu b n makukul0ng tatay ko. May republic act daw pu kc ek ek un sb s sulat. Pksg0t pu tnx pu.
He who has less in life should have more in law
- President Ramon Magsaysay
Often times, we allowed ourselves to be shouted upon, pagagalitan,threatened,pinapahiya,trampled upon, and
eventually lose our self-respect and dignity, not for us
alone, but also our parents,wife,husband,officemates
and even our innocent children.
We plead,we argue,explain,even paying our last peso
- all because we are afraid that they will sue us.
Maling akala pala!
Dare the bluff.Let us meet them in court instead.
It’s actually the best option we can have.
Why?
1. To finally put a stop to these humiliations and harassments
by these abusive collectors who act as if they own us.
Ano pang legal ek-ek ang masasabi nila after the dare?
2. It means any negotiation is formal,legal and appropriate.
Remember the last time we paid, out of fear, then learn later
on that our utang pala simply did not move at all?
3. Our debt will be rationalized – The court,for several times,has
ruled against those “excessive,unconscionable and exorbitant,
hence,contrary to public morals” charges including 25% attorney’s
fees,42%p.a. interest, 60%p.a. penalty, absurd over-the-limit fees, etc…
4. Repayment would be more practical – pay what we can afford, not
what is forced upon us.
5. Less expensive,as most cases would fall under Small Claims Courts
6. Lastly, lawyers are not allowed!
The following issues hopefully will be resolved:
1. Is it true that you have an utang? Yes
2. Is it fair? No
3. Do you have money/properties to pay? No
case dismiss.
for more info pls visit:
http://failuretopaycreditcard.blogspot.com/2009/04/court-is-my-friend.html
Today my officemate received a phone call from a certain Police Inspector Gilbert Vasquez and was asking to be connected to our Head. I have unpaid credit card bills and an unpaid personal loan. we were evicted from our previous house, my son and i got sick adn been hospitalized. he said he is from QCPD Stn 3 working hand in hand with Manila Police Dist for a manhunt(i indeed felt like a criminal). they would want to secure permission from our head to serve the warrant of arrest for me to our office. when i phoned QCPD they don’t even know that inspector. they have a different number 8973172. I would like to know the validity of this arrest they were saying but i’m scared to be harassed because i’ ve been a lot of times already.
My boss spoke to me and told me she was able to talk to the guy. she even phoned the number they left to double check.
What should I do now. i don’t have any property nor money to pay them. i’m afraid to loss my job as my husband is unemployed at the moment and we have 2 kids to feed and to send to school.
Can someone please help me?
Thanks in advance.
Hi. I just have a quick question, i did work in a chinese company before and during my stay at that company my employer decided to subscribe to one of the mobile provider under the company’s name, unfortunately my boss wanted to have my phone bill transferred to my house and thats what i did and my co-worker did too… the line got disconnected and i left my job cause my boss is not paying me that well na and i wasnt able to pay the bill and that was dated 2006 and now i got a letter from a collection agency asking me to pay the amount that was stated there and they are also sent the bill of my co-worker in our house. please advise me what to do. im willing to settle the one under my account but not full amount cause i dont have work as of now. i dont wanna get jailed for these issues… please help… need advise.. thanks in advance… i would really appreciate it alot… God bless!
hi, i would like to ask on where to complain abusive debt collectors? my brother has been having trouble paying off his credit card debt. this collector has created a fake profile in facebook using my brother’s name and picture with his son as his profile picture. he has added my brother’s friends and HS classmates and has been sending them messages to “borrow money to pay for the debts”. he has been posting very rude comments on his wall regarding our whole family as thieves. aside from the constant telephone calls, he kept on contacting other people related to us who are not aware of my brother’s problem.
my aunt, who has raised us are having health problems (hypertension) because the collectors calls her house almost everyday. all of my brothers and myself are not staying with her anymore. inspite of my aunt’s explanation that my brother doesn’t live there anymore, they kept calling her day in and day out and has been harassing her. the collection agent even tod my aunt that they will get some things from her house if my brother would still not pay his debt.
i am getting frustrated and very angry because we do not know who our enemy is. i would want to file a case against this collector who has created a fake profile using my borther’s name and writes very rude and foul words about our family. i am getting worried about my family’s safety including those of my kids because this collector has used our family pictures to post in his fake profile. my other friends were asking me about this and don’t know how to expalin. i know that it is my brother’s fault bacause he has a responsibility as a debtor. even i, as his sister doesn’t know about this problem until the debt collector has started harrassing us.
i want to file a complaint against that collector.
please help us.just tell me what to do. i want to put a stop to this. thank you so much. god bless.
I am happy to say that i have settled my debt. i had every intention to pay the bank the money I owed them and had no plans of running away from it. It’s just that those collectors are pretty abrasive, insolent and inconsiderate. I agreed to have an 8-month amortization scheme and am now close to being debt-free. I reported that Anonuevo Credit and Collection service to the bank and they assisted me. In fact, I specifically requested that they not make any calls to me directly. Moreover, I heard on a radio station, they play a stupid game of seeing who angers a client the best and quickest. It’s like they are using out misery for their amusement. But advise is, settle your debts. Just get into an arrangement that will comfortable and realistic.
for ms. worried:
I am sure the collector introduced himself. Get his name and call the bank or loan institution. They have facilities and personnel who handle these creeps. Unfortunately there is not direct legal remedy however, him creating an account is quite close to identity theft. You can ask a lawyer about that. Meanwhile, relax. These collectors are actually after our money, not our lives.
For Good Payer turned delinquent. We have the same situation. I have no intention to ran away from my debt. I was able not to my CC for several months because i resigned from my job. Now that I have a new one, i want to pay my debt but it increased hugely. i requested the credit collectors to reduce my debt to its original amount (given by the bank itself) and to settle it in installment basis. In my other credit card (eastwest), it agreed on monthly amortization. However, this HSBC credit collector never agreed despite my several request with them.
I hope you can give me advise on what approach shall I do in asking the bank to pull out my account in the credit collector and instead settle my account directly with them.
Thank you so much po.
for zen:
you may call or email the HSBC customer service. depending on your situation, they may refer you to their recovery group. this group handles delinquent accounts and presumably those who do not wish to interact with any of these abusive collectors. normally the recovery agent will give you a computation of what you need to settle. i believe whatever the amount is can be negotiable. i tried to negotiate but later i realized it was better to have a shorter amortization period. it also meant settling my debt earlier. also, it would be good to ask for something in writing. like an email advise. this is very useful later on. some of these agencies give you contradicting information that can confuse you and you might end up paying more than what you actually had to.
i saw this link before, check it out.
http://failuretopaycreditcard.wordpress.com/2007/05/25/unfair-collection-practices/
scenario: last year, the client (bankard) of the collection agency instructed them not to proceed with the filing of the complaint against the cardholder and consider the claim closed and terminated. bankard informed cardholder of this action through a letter.
this year, cardholder receives a letter from the same collection agency stating that the collection agency “visited” him and personally assessed that the properties of cardholder is sufficient to pay for the obligation.
representative of cardholder communicated with “legal officer” of collection agency that the cardholder received a letter from their client last year stating that the claim is already closed and terminated and that they have been instructed not to proceed with filing of complaint. legal officer was discourteous, saying things like “pwede naman dayain ang sulat” and “huwag mo akong utusan” when cardholder’s representative suggested to check with their client first.
representative of cardholder called up bankard and asked what happened. bankard said to disregard the letter of collection agency and that they will contact them to clean up the problem. it seems that either bankard or the collection agency or both of these businesses are at fault.
questions:
1. what can cardholder/representative do about the legal officer’s lack of professionalism? can they use art. 287 of penal code? can they also hold bankard liable for what happened?
2. is the “visitation” of the collection agency an invasion of privacy, in a way?
thank you po!
hi..
I read every single post at medyo nabuhayan ako ng loob..
I hve an unpaid CC sa AIG last 2001 pa.. nawalan ako ng work that time at nanganak pa ako sa 2nd baby ko.. my mga tumatawag non sa akin pero wala naman ako magawa kc di ko talaga kaya magbayad.. my husband is an ordinary govt employee who only receives 12k, i wanted to work pero wala mag alaga sa mga babies ko, dati byenan ko alaga pero mas malaki pa gastos sa hospital kesa sa sahod ko na so i decided to resign again.. ngaun may bago na ako ulit work kc medyo malalaki na mga anak ko, after almost 10 years tumawag sa akin ang isang rowena gonzaga at sabi nya ay connected daw sya sa prime alliance recovery management sa may boni avenue at unang tawag nya ay kung anu ano na ang pinagssabi nya na hindi ko maintindihan kc first time ko lang sya makausap… then sinabi na nag merged na daw ang aig at east west bank… is it possible that after 10years im being haunted by my unpaid debt sa CC? im wondering.. i was even surprised how they get to know where i work now samantalang 7months pa lang ako sa work at tumawag na sila sa main ofc namin (nasa branch ako sa province) at they threatende me tht theyll file 2 cases, pupuntahan ang HR namin ang they are obliging me to issue pdc sa feb 23.. i was able to get their address and told them ill be going to their ofc on thursday 2/17 to settle the amount. 12k lang naman ung utang ko na don khit di ko alam kung saan ako kukuha dahil my sinasabi sila na amnesty amnesty at pag di ko daw binyaran aside from charges na iba ay 34k na daw babayaran ko. tama ba ung ginawa ko? or ano ba ung dapat gawin? kc nalilito na ako dhil ayaw ko guluhin nila ako sa hd ofc namin.
Hope to get reply soon before makautang ulit ako ng panibago pambayad lang sa collection agency na yan..thanks a lot
doll
hello again…
Isa pa po… just in case mabayaran ko ito, will i be freed from the database being a delinguent borrower sa mga banks? at will i be able to apply for a loan one day just in case i needed one?
hi fritz,
thanks for all the informations you feed in this site.Kaya lang na mis interpret yata ng iba. Makabubuti din siguro na mai discuss mo sa site na ito ang Art.9 Sec.14 ng R.A.8484.
Sa mga Card Holders na naka experience ng unfair collection practice from Collection Agencies, dapat siguro ipinagbigay alam nyo ito sa bank kung saan kayo may credit card.On that case aalisin ng bank ang mga accounts sa Collection Agency na yon na hindi alam kung ano ang ginagawa nila.May mga collection agency din naman kasing responsable at alam nila ang kanilang ginagawa,pero meron din talagang mga iresponsable at di nila alam kung ano dapat nilang gawin.
Kay ex collector, sayang naman ng mga panahong inilagi mo sa isang collection agency,hindi ka man lang nila naturuan ng tamang collection process.Mali din ang pagpapaliwanag mo tungkol sa write off ng mga accounts.
Kay Ms Worried dapat po ipagbigay alam ninyo sa Card issuer ninyo kung anong bank man ito para mapanagot ang collector na may gawa nito.
Kay Ms Doll.Tama lang naman ang sinasabi ng taga Prime Alliance.Pero kung hindi mo kaya ang pinababayad nya sayo dapat sabihin mo ito sa kanya at makipagkasunduan ka sa halagang kaya mong ibayad. Makakatulong sayo ng higit kung makikipag ugnayan ka sa Eastwest Bank na sya na ngayon ang may ari AIG.May solution naman po sa bawat suliranin.
Kay Ms Donna, please coordinate to the bank kung saan ka may loan at credit card.Makiusap ka sa sitwasyon mo at mauunawaan ka nila.
Kay Mr BatMan u are very right harapin natin sa korte kung ano ang complaint ng pinagkakautangan natin.On that case no one will call u up nor receive any demand letter.
Kay CoolGal nais ko lng ipaalam sayo na ang lahat ng mobile company or mga tele communications company ay nakapaloob sa ACCESS DEVICES LAW or RA8484 maari kang makipag ugnayan sa mobile company kung saan ka may unpaid bill.
Thanks
ed
How do you stop Collection Agencies from calling you at work and what rights do you have regarding this? I’m not allowed to take private calls at work and I’m afraid to lose my job because of them calling me. I told them already but they keep on calling, sometimes multiple times in one day. They are harassing me talaga.
Is there no consumer protection regarding this? If I lose my job because of them, can I sue them? What legal rights do I have?
Hi Jim,
As long as your account has an over due payment there will be a caller to remind you. You can not evade from their calls specially if you declared to your application form the telephone number of your company. To stop these you can contact the Bank where you have an over due account and inform them when will you settle it.If possible request for an arrangement that suits your capacity to pay on staggered.
There is a protection from harassment, just inform your Bank regarding it. But if it is not really harassment the Bank will not validate your complain.Habang may utang tayo na hindi nababayaran may tatawag at tatawag sa atin.
Thanks
ed
Is the proposed bill already in effect? I have an issue with a lending company. The acct was dilinquent for about two yrs but I contacted them for restructuring. I already paid the fee and kulang nlng ang pdc. The problem is the mgrs of the collections agency s verbally abusing and harassinf me. To make matters worst, 2 of their mgrs are sending me messages with sexual innuendos. This is despite the fact that they are handling my husband’s loan who s currently in singapore. Where can I file a complaint? What govt agency can I run to for help? Thanks so much for the answer
hey guys…wag muna tayo mag assume that this solves our problem..remember the above info is just a bill..this means hindi pa sya batas..i have my own lawyer.. and already consulted this issue about the fair debt collection, kasi kung batas na yan marami ng napasara na law office at collection agency dahil isa sa sinasabi ng bill ay hindi considered na debt collector ang lawyer wherein most of the agencies are represented by the lawyer, even representation is not allowed..The senate bill is the first step on making a law.. this means this was just proposed by Sen. Santiago after this there will be first reading, comitee consideration, second reading, 3rd reading, transmittal of the approved bill to senate, senate action on approved bill of the house, conference committee, transmittal of the bill to the president, president action to the bill, action on approved bill, action on vetoed bill..its a very long process and di lang si sen santiago ang nag propose ng bill kundi maraming sendaor, kya maraming tambak na trabaho, unless they wanted to prioritize such bill then it might be faster. kaya bago po tayo gumawa ng aksyon alamin natin kasi baka mapahiya tayo. what i can suggest is look for an agency who can request for amnesty for your credit, i have bad credit as well but I have consulted a law office and have them arrange my payment w/ the bank.. yung credit ko na 10k naging 19k bec of interest for 2 yrs, then the office requested amnesty and just I just paid 5k…depende yan sa diskarte ng law office, kaya marami akong narefer na may utang sa lawyer ko…
FYI there has been lapses on this bill coz it was orig filed on the 13th congress and had its first reading w/c happened 2004, after that nothing happened..it was then proposed again on the 14th congress and nothing happened so far.. all current Republic Act are from the 13th congress and the above senate bill is not included, this means it is not a law yet.. to think that it is now the 15th congress.. sigh..
Info for BP 22 – it is a criminal offense and 100% possible na you can be sued and may lead to imprisonment this depends on how your going to act on the problem..Checks that was issued and bounced is a Prima Face – prime evidence, unlike debts that just involves cash, credit you can only be sued for Sum of Money, which is just a civil case, with BP 22 it is a criminal case and wether it is a bank, corporate, business or individual creditor you are owing still it is considered a criminal offense..I suggest if you have been sued already, and are still on mediation, make an arrangement to pay for the debt, if case is already in court never be absent or else there will be a warrant of arrest to be issued
Hi MEME, pwede nyo po ba ako irefer sa lawyer nyo?sana matulungan nya ako sa aking utang sa hsbc.I intend to pay naman and to clear my name in the blacklist.Im from San Pedro Laguna.Hoping to hear it from my email.thanks in advance.
Hi Meme.. ako din baka naman you can help us… dito kse ako abroad.. made a loan 2 years ago sa isang lending company.. nung una i was paying naman on time… tapos nag ka issue kme dito sa work… nakarating pa kami sa labor office dito para ma solve salary issues…pero now pa lang halos naayos… my issue is may letter na sya for a hearing paano kaya ito…usually ba magkano fee sa lawyer… pa help naman … wala akok idea about this matter and to make things worse my guarantor ako sa pinas na alam ko ma ha hassle din sa napasok kong problema…pa help naman po…
hi there, isa po akong ofw na nagpapakahirap kumita ng pera isa pong kaibigan ang lumapit sa akin at nagmakaawang umutang ng mahigit 300,000.00 nag issue po xa ng checks sa akin ok nmn nung una pero ngaun po mahigit dalawang taon ng di nagbabayad at di na din nagpapakita ang masakit po yung sinanla nyang titulo n panghawakan ko ay di kanya at hindi rin malocate kung sino man xa. pano k po ba makukuha ang pera ko at kung pde ko ba syang idemanda ng estafa kung sakaling siya ay di na magbayad tlga?please po tulungan nyo ako…at sa tingin ko po unfair yang bill n yan dahil yan dhil di ka na nga babayaran wala ka ang karapatang ipaglaban ang iyong pinaghirapan kaya po minsan hindi kanais nais tumulong pa sa kapwa dahil lolokohin ka lng din sana po me isa sa inyo mag advice kung anung gagawin q.
hi jheng,
bakit hindi mo man lang ba inusisa ang pagkatao ng umutang sayo? dapat kinunan mo man lang ng mga identification documents at pictures dahil di mo naman ata kamag anak. bakit mo tinanggap ang titulo kung di naman pala sa kanya nakapangalan? ikaw na rin ang nagsabi nagpapakahirap ka sa pagiging ofw pero di mo iningatan ang pinaghirapan mo.mahihirapan kang idemanda rito sa Pinas ang nangutang sayo dahil labas sa jurisdiction ng batas natin ang pinangyarihan ng violation o ng utangan. pero pwede kang magcomplain jan sa bansang pinagtatrabahuhan nyo dahil sila ang nakakasakop sa kinaroroonan nu.
Jan po sa pilipinas yung utangan, me agreements n notarozed po jan but now dko n xa malocate kung asan na. Lam ko po bwfore yungvwork nya at san xa nktira ngaun hinde na po dhl ngresign n sa dati. Panu po ba ireport sa nbi? Pra dna makakuha ng clearance anu pong first kong gagawin?kung dpo xa mgbyad khit man lng mgbayad xa sa batas
ah ok, cge i can refer a lawyer for you dahil sa law office ako connected. you can email me at my email address ednabus_2006@yahoo.com.ph so that i can give you the complete name of our lawyer.
i already paid my delinquent credit card bill thru restructuring. the bank has already issued me a clearance 3 years ago stating that my obligations has been paid in full. but inspite of this, i think my name was still posted in the negative list of the credit bureau since i tried to apply again once for a CC (for curiosity) and i did not get a reply. my question is: how and where do i send my request to clear my name in the negative bureau’s list? should i address it to the same bank who issued me the card?
i hope Mr. Fitz or someone could help me…i really wanted to rebuild my credit profile.
thank you!
@aiml as far as I know, it will take two years from the date of your payment before your name removed from the list of block listed.
I had a bad credit in the past however, I was given such a request for reversal and certification on august 24,2009 forwarded to Bankard Recovery Dept.purposely to request a certification of payment where and how could I submit such in order to remove my name from thet of block listed.
Hi po sa lahat!
Baka pwede nyo po akong matulungan. I’m really drowning from credit card debt right now and it already affected me (psychologically). Para na akong nagpapanic parati everytime magring ang phone or kaya may mag’tao’ po sa labas nang bahay. May nagpunta na kasi dito and I wasn’t around kaya binilin na lang sa kin nang bro ko. From then on, balisa na ako.
I’m aware naman na obligation ko bayaran ang due ko and I’m not turning my back sa obligation na yon. The only problem is I can’t pay the amount they want me to pay (lumulubo nang lumulubo ang due). I can only pay ang amount na kaya ko (like P500-P1000 a month). Kahit konti basta lang makabayad di bale nang buong buhay ko babayaran basta makabayad lang. If pipilitin sa gusto nilang amount, walang makain family ko.
Please po, ako’y nagmagandang loob kung sino po ang makakatulong sa situation ko. Hindi ko na alam ano gagawin ko right now. Feel ko konti na lang at maloloka na ako.
Thanks po in advance and sana po’y may makaka-advise.
–
Lady-L
Hi Ms Lady-L just dial the Hotline number of your Bank and request for restructuring of your account.They have an option that may suit your capability to settle.
Lady, we have the same problem. I can only pay the amount that I can yet the collector is asking me more that what i can. its not an issue actually on how long will it take us to pay them, kahit 10 years pa yan but if yun lang kaya natin a month, diba? the collectors thought we want to finish our obligation instantly. well, partly yes, but if its not possible then we go for long term na.
they sent a letter stating that police will come to arrest me.
Hi! Miss Edna i just want to ask kung magkano ang attorney’s fee pagnagconsult ka ng legal advice? thanks
Hi po M Gemini
There is no charge yet for a legal advise on our lam firm.acceptance fee or atty’s fee i only ask if you have a case to be handled by them.kung magkano un , it’s u and the lawyer ang maguusap.
Good day po! i need advised. Im scared and worried. I have 3 cc way back 2005 which are remain unpaid. in some circumstance i am not be able to pay my obligations until now. CC companies loss their contact to me until last thursday. I was really amazed how they get the number of the current employer, by that day tumatawag na sila sakin everyday, dahil natatakot ako sinasabi na lang po ng ka officemate ko na wala ako sa office. minsan ako po mismo ang nakakasagot pero di ko po inamin na ako ung hinahanap nila.
Ano po ang dapat kong gawin? takot po ako mangyari sain ung nagyari sa kaopisina ko na pati ung Assistant Vise Presidnet namin eh tinawagan nila. and worse mawala ako ng work. I have plan to pay may debt ung Prinsipal po but not not bcoz of my financial situation.
Please help me what to do tumataas na namn po BP ko
Thaks
rhoje
Worry it not.Call the Bank at makipag ayo ka sa halagang kaya mong ibayad.Mas makabubuti para sau ang may contact or ugnayan sa Bank kasi kung wala pde kang kasuhan violation ng ra8484 pero kung nakakausap ka nila at wala ka lang pambayad di ka nila pwedeng demanda.
ed nabus: Yes, I already contacted the bank. At lalo pa nadagdagan worries ko. Sinermonan ako nang account manager nang HSBC. And that paying the due is not the way how much I can pay daw. I must settle the amount they want, else ipalelegal na nila ako. They won’t accept the offer na kaya ko lang. Nangungutang daw po ako, dapat lang na bayaran sa halaga ang due.
To kezziahh: Always get the complete name of whom you talk anyone from Banks or even collection agencies. Gaano na ba katagal ang Loan/Credit Card mo?If you felt injustice to their rejection of your plea which you thought tama ka lang naman pleae pm me to my email address na nasa taas ng page na to para maibigay ko sayo
ang contact number and email kung saan pde mong idulog o isangguni ang complaint mo sa kanila.Dapat tiyak mo din na makakabayad ka sa halagang ipapangako mo sa kanila na kaya mo nga talaga.Thanks and God bless.
pano po ung nakalipas na taon na di nila ako nacocontact makakasuhan ba nila ako dun? im afraid so much that’s my heart break down. and by this time i dont have the capacity to pay.
ed nabus: thanks much! yes, I have the complete name of the account manager. wala pa atang 180 days ang credit card ko. nasa collection dept pa nang bank, not yet forwarded to a collection agency. kaya I called them to negotiate, but the account manager was very matigas. i’ll email you po. thanks again!
hi Ed. I don’t know if my concern is also related to this because its more of the loan I had with Chinatrust last 2006 which I paid last 2007 or 2008. Mabilis ko nabayaran because I used mybonuses/ Unfortunaly I lost the receipt before I left the company. 2008 when they first call reg my account. I told them its paid already and weeks after, I received a call to tell me na ok na daw. 2010 November or December, Anchor Collection Services started calling and texting me reg my loan. I called them and explained what happened. I asked SOA from Chinatrust no payment reflect, I called Union Bank kasi dun po ako nag pay, wala na po sila records kasi ang tagao na sobra. I gave them my Chinatrust account number pero wala lumabas so possible daw na malaking account number nalagay ko.
TO make it short, I accepted the obligation of paying again kahit wala ako work. I only earn from tutoring 3 students. and requested na mag settle ako ng 1,500 instead of the 2,800 that they require. mabait chinatrust and somehow tanggap na. pero the collections mapilit and demanded 2,800 and now they sent a letter that a police will come on August 10 kasi daw i refuse to pay. sabi ko theres a difference between refuse and arrange. they never reply on my emails. nag pay pa din ako below the required to how them my intention.
pls help. thanks!
Hi LGIT, sayang naman kung hindi mo na nahanap pa ang resibo ng payment mo before.i advise to all na dapat iatago lahat ng payment slip everytime na magbabayad.at pakatapos magbayad dapat humingi ng certification of full payment.minsan kasi ang mga bank to bank transaction sumasabit din kasi puro machine lang ang katransact natin.kaya dapat itago natin mga printed receipts.
punta tayo sa new arrangement ng account mo.Meron po ba kayong written arrangement na pinirmahan para makapag deposit ka ng amount na kaya mo?Kung wala po please pm me so that I can give you the email address and contact number of Chinatrust Collection Manager para makipag kasundo ka.Gaano na po b katagal ang loan nyo? For sure magbibigay sayo ng discounted amount ang Bank if you will directly pay to them.
About Police,,,wala pong papel dito ang Police kahit na PO1 to Brigadier Generals. Dahil wala naman pong kasong tinakbuhan.Kung may isinampang kaso at di mo hinarap pagpadala ng summon magpapalabas ng warrant ang Judge doon pa lang magkakaroon ng Papel ang Police.
hello po, i have similar problem below po, pls send advive to my email. Lyryb on August 18th, 2010 at 10:07 pm
Hi guys, i have a concern about my nbi clearance. I just got a decent job offer in KSA and I already passed the medical exams and all. I went to the NBI office to get my clearance. However, my name was on the “hit” list. Sabi, baka may kapangalan lang daw.
I am really very worried kasi nung mga 8 years ago, I issued some checks that bounced. I really regret having not settled my obligations but with the right finances, I am very willing to settle them. Wala lang talaga ngayon.
My questions are these: (1) is it probable that NBI will have a record of my case eventhough I did not receive any subpoeans yet kasi nag bayad naman ako ng konti dun sa in-issue-han ko ng checke, although medyo matagal na rin.. and (2) what is the fastest way to settle my case? May kilala ba kayong lawyer who can help me?
Sayang kasi opportunity. Pag matagalan pa ang NBI clearance ko, malamang maghanap na ng iba ang employer…
help please.
the loan was year 2006. nawala sya because of my previous employer’s maintenance. nilipat mga gamit ko from old building to the new building and i lost a lot of my documents. i already took the responsibility of paying since i know talo ako. no receipt, no proof.
i kept on asking them for papers of agreement, they also sent it via email. I requested na mag pay labg ako to what i can afford since i am unemployed but they are demanding me 2,800+. the collections sent a letter that i will further actions will be done pag hindi ako nakipag cooperate. i keep on sending them emails pati Chinatrust na contact person ko but they dont reply. puro phone call lang. and i feel that sila mismo ang ayaw mag provide kasi i know i will not be jailed (i hope i am correct kahit may bounced check) but still i am not running away from it. they keep on telling na matagal na sila nag file ng complain with NBI— ok labg sila? nakapag renew pa ako ng NBI last 2009.
@ cnok better if u come to nbi for verification of ur “hit”listing.malalaman mo nman doon kung ano ang problema.o kaya pumunta ka sa record section ng city/municipality mo kung may naka sampang kaso.may mga pagkakataon kasi na naka archive ang case kaya may hit list sa nbi.
@lgit call chinatrust directly kasi minsan ang email di naaasikaso lahat agad kaya minsan walang reply.marami kasi talaga ang inaasikaso nila dahil di lang konte ang loan borrowers nila.
Hi!ask lang if i can request sa security guard ng subdivision namin na no entry para sa mga messengers at collectors ng mga collection agencies. Do I have the right to request that? just for the safety and protection lang po ng anak ko since naiiwan cya sa house kpag nasa office na kami ng husband ko? thanks.
hi aj,
ang mga collectors at mga messengers ng mga collection agencies ay malaking tulong mo sa paghaharap ng iyong unpaid loans.sila ang nagdadala sayo ng mga dapat mong malaman tungkol sa status ng loan balance mo.pero kung ayaw mo talagang ma disturb ang mga anak mo while you were out of the house, its your personal option.depende yan sa management ng subdivision nyo.pero karapatan mo na protektahan sa posibleng panganib ang pamilya mo.para sa akin kapag identified nman na talagang bank or collection agency messenger or field collector ang pupunta sau di naman siguro ang dala nila nila sa bahay nyo.ang maaaring hilingin mo siguro sa guard ng subd nyo is to verify well ang pupunta sa bahay nyo,at talaga namang obligasyon nila yan.
o kaya naman pwede mong i request sa bank na wag na pumunta sau, ano man ang papers na kailangan mong matanggap galing sa kanila just send it thru email.
make your phone lines available to them for communication.
thanks
gud eve po… asko ko lang po if posible na ung principal amount lang bayaran ko at kung magkano po lang ang maibayad ko monthly. sabi kasi nung tumwag sakin di daw tumatanggap ng 500 ang citibank na payment every pay day.
Thanks po
Simple lang yan gaya ng kaibigan ko get a lawyer then makipag-ayos ka sa bangko na kaya mong bayaran..lahat ng interest sa utang nya sa CC nawala bali principal nalang ang ni restructure sa sobrang pera na maitabi nya sa mga monthly gastosin sa bahay,upa,kuryente,edukasyon ng anak at pagkain.. IMportante kasi sa tao mabuhay bago magbayad ng utang.
hi i’m a cc holder at three months ng due yung billing ko as of today dahil sa financial problem na di ko inaasahan, gusto ko na siyang i-settle pero incapable pa ako, okey lang bang i-settle ko nalang ito this December, okey lang kaya sa bank yun? kung kailan nakakaraos na? may mga tumatawag d2 sa office at cellphone pero ini-ignore ko sila dahil baka manakot lang sila. ayoko sanang magaya sa kapatid ni ms worried na ginawan ang kuya niya ng facebook, at may pulis-pulisan pang pupunta. i wonder kung taga-saan ba si ms. worried, nasa Makati ako, magagawa din kaya nila sa kin yun? halos lahat ng ofc mate ko merong unpaid cc account na taon na ang ibinilang at sinasabi nilang takot pumunta ang collector dahil bawal yun.
tama si kate,it’s a ploy, isang araw last january 2010 nagulat nalang ako ng dumating sa office yung credit card samantalang di naman ako nag-aplay. and ayun na!
salamat!!!
tru phone call nga pala ang style nila, employment verification, 3 months palang ako sa work ko ng tumawag sila, and my officemates just gave them the info they were asking.i wonder pano nila nakuha pangalan ko. wala talaga akong balak kumuha ng credit card, pero nung ilang buwan ng nasa drawer ko siya, naakit na akong gamitin siya. yung kasama kong pinadalhan din pinipilit siyang gamitin na ang credit card niya sa eastwest.
hello to all, i have been looking for answers on the net regarding harassment of loan collectors and stumbled upon this site, while most of the probs here are regarding credit cards, ours is about our car loan with a certain bank, we have been religiously paying our monthly amortization for the last 3yrs, but unfortunately my daughter got laid off with her job overseas, so we have delays in settling our monthly obligation of our car, bt, we try very hard to settle it just the same, so our delay would be 2mos the most, i try to talk to an employee of the said bank,if they could bear with us just for a few months, our car loan will be over in a year and a half,bt sadly, they can offer nothing but harassment as to when we will be able to pay our monthly amort, they keep calling like 2-3x a week, even on just a month’s delayed,the persons calling are even saying things which has no respect for a once good paying client, i hang up the phone coz i experience nervousness and rapid heart rate every time the phone rings bcoz its our first time to experience a downfall in the family and not used to that situation,now they got a man come to our house and deliver personally a statement, which is so embarrassing in our community,i would like to know if theres a legal way to get back at them, we intend to keep the car and to pay our dues, its just a matter of time, but i am just so angry at them for treating us this way.. thanku and more power to your blog.. and may all of us here get financial freedom ..
its still our option if we will accept the preapproved card. prior to its activation for use they require some documents to really make the card ready for use. its their way of marketing.
I contracted personal loans with two banks and was required to issue postdated checks to cover the monthly amortizations required. I lost my job, which was the basis for my loans being approved by the banks, and the business I ventured into floundered and closed so that I became delinquent in payment with my checks bouncing left and right. Can I be sued under BP22 considering I issued those checks in good faith, my checking account was active and I had a job at the time I was approved for the loans?
If the collection agency cannot pursue the case in the court but just resort to threats, is it possible if they go direct to the barangay and complain? It is much humiliating if they see the local officials who personally knew me. please advise. thanks
@ joseph : any check which unfunded during its due date always consider bounced. kaya pde kang sampahan ng kaso for violation of bp22.pero pwede mo nman pakiusapan ang bank na bigyan ka ng time para maka raise ng fund to fund your check. mga 3 days ang binibigay niyan para di mag bounce at di ka masampahan ng kaso.pero kung hinayaan mo lang ito at di mo ginawan ng paraan papasok pa rin ito at kapag nagkaganon makakasuhan k nga ng violation of bp22
@ sheldane: tyhey can ask the help of the lokal official to assist them for contacting you and possible arrangement. remember that agencies were also paid for counselling legally loan borrowers. If you will continue to ignore them mapipilitan silang isampa ang case sa SMALL CLAIMS COURT o sa MTC.
Hi, need ko some advice…nakatanggap ako summon fr MTC na may civil case na ako filed by counsel of CC company…eh prior sa filing ng case na-contact ko pa yong law firm requesting for mu balance and any payment option i can avail kc nung tumawag ako sa CC company ibinigay sa akin contact no nung law firm..anong posibleng mangyari sa akin?…at ano pa mga additional na ipapabayad sa akin aside dun sa principal?
Hi po ask ko po if mgkakaroon po b ako ng crimminal record s hong kong kung my naiwan akobg loan s banko doon pero ngaaply ako s ibang bansa ngaun at klngan kp kumuha ng police clearance ko doon.6 mos ndin n d ako nkbyad due to financial crisis….hppe mtulungan nyo po ako s bgay n to..
My criminal record o b akp s ibang bansa kung my naiwan akpng utang s bangko for almost a yr?.kz klngan kp magobtain ng police clearance s h.k fpr aplying job to onother country..hnde ko nbyran lgat kz lumipat akp s ibang bansa at due to financial crisis wlang trabahp for how many months..posible kyang my record ako doon pls help..
@ bah: pls puntahan nyo po ang branch ng court na nagpadala ng summon para di mauwi sa criminal case ang civil case mo. state your side and tell the truth.
@ saveena: di ko lang alam kung criminal case sa hk ang abandonment of loans and ccard. sa UAE and other country kc criminal case yan.ngaun kung criminal case din yan sa hk for sure naifile n yan sa korte doon. since hindi ka national ng hk may possibility na maipa blocklist ka sa airport nila. you can not in and out to their airports. Better mong gawin , kung may kakilala ka na naroon sa hk ipa ayos mo n lng ang loan mo doon bago k pumunta para makakuha ng ano mang clearance
In case po ba na may utang ako at naging incapacitated ako physically or I passed-away, Ang mga fist degree relatives, say magulang or anak ko po ba ang magmamana ng aking mga utang sa credit card company?
Hi!
Matagal na po akong may outstanding credit card balance with HSBC back in 2005 binayaran ko po yung balance pero kapos po ng 500 pesos. Di ko na po nabayaran yung 500 na kulang so the following year nakatanggap po ako ng letter na sinisingil ako ng 25k ng collections agency at nakareceive din po ako ng email na settlement from a lawyer. Pinafax po nya yun sa ki n with my signature pero di ko po naifax. nagbayad po ako ng 2,500 ng 2 magkasunod na payday. Sa sobrang tagal na po nito wala na po sa kin yung resibo ng bayad ko before ng kulang ng 500. Possible po ba na yun na lang yung bayaran ko or less than the amount of 5k. minalas po kasi ako at di na nakakapagtrabaho dahil halos imbalido na po ang mga kamay ko dahil sa sakit ko. Wala po ako nareceive na anumang sulat nun nakaraang 2 taon at inakala kong baka tapos na ang isyung ito dahil halos bayad na po naman ako sa utang ko. Today nakatanggap po ulit ako ng sulat na sinasabi na iforward sa CMJ collections ang account ko. Wala po akong trabaho at posibleng di na ulit makapagtrabaho.
hi virgil samonte: hindi naman naipapamana ang utang. at wala ding batas na naguutos na dapat bayaran yan ng mga relatives mo kapag wala ka na sa mundo. sa halip, kung sakaling may mga property ka , bago ito ipamahagi sa mga anak o tagapag mana mo dapat maibawas muna ang lahat ng mga pagkakautang mo.
@lili may posibilidad na may balance ka pa talaga dahil ikaw n ang nagsabi n may 500 pang unsettled ang naiwan mo. ngayon kapag tinawagan ka ng cmj makipag usap ka at ipaliwanag mo ang side mo.alam kong bibigyan ka ng mas mababang halaga to close it.dahil puro n lng yan interest and penalties dahil sa sobrang tagal. kapag pinagbayad ka ng 500 or 1000 e-grab mo na para ma clear ka. don’t forget to ask for certification of full payment after ur payment.
Here’s an interesting scenario I encountered today. I got a txt message from our Barangay Captain stating that I had a complaint filed against me at our local barangay. So I called the number and I wanted to check if it was a collection agency or not, almost got into a heated argument with the person who answered the phone as he wouldn’t give me any information, anyways I was passed on to the Barangay Captain, I asked for the nature of the complaint filed against me “According to him it was breach of contract and he kept on telling me to contact the complainants lawyer and gave me the number”. Ok so it still sounded like it was a collection agency pretending to be the barangay captain so I asked around and found out who our barangay captain was, surprisingly enough it was the correct person lol so I think I called up the barangay hall and argued with the staff there and spoke with the barangay captain in a not so very polite tone lol anyways I’ll drop by the barangay hall and apologize to the people there. Anyways here are my questions:
I should reference another site where I got this:
6. Police came to your home on behalf of the credit card debt collector? Get their name, precint and their car’s plate number. If possible, get them recorded in a video. This is not their job and you can file a complaint against this police. Same story with barangay captains.
Read more: http://gomestic.com/personal-finance/how-to-deal-with-credit-card-debt-collectors-in-the-philippines/#ixzz1YkCrf5Xb
Ok so they didn’t knock at my door but they sent the letter over to the barangay hall which in turn prompted the barangay officials to contact me via sms, are they allowed to do that? Are the barangay officials supposed to contact people regarding that or what are they supposed to do – allowed to do or not to do?
Regarding SB 3333 proposed by Sen Miriam Defensor Santiago
Section 1. A) Communicating with the employer, reltiv or friends about the debtor, unless a court order has given the collector the permission to do so;
SECTION 2. Penalty. – Upon conviction of a viola..m of this Act, a fine of One
Hundred Thousand Pesos (Php 100,000.00) per occurrence shall be imposed. A subsequent
violation shall be penalized with a fine of Five Hundred Thousand Pesos (PW 500,000.00) and
revocation of the business or professional license of the collector.
Reference Site: http://www.senate.gov.ph/lisdata/1192610479!.pdf
Well I’m not sure if this has already been passed as a law or if it is enforced now.
Anyways its a bit of a gray area which I think they are utilizing to the fullest they’re not my relatives or friends but the barangay officials live in the community. So would they be liable for anything for sending the letter to the barangay hall as a complaint?
So those are my two questions I hope someone could clarify if this is allowed or not. Because if not the collection agency will be the one hearing from My Lawyer and it’s payback time for all those people harassed by these collection agencies
and we can strip away their license and shut them down.
Hi Ed,
thanks for the advice, do you think this is true? or just one of those ek ek ng mga collection co? what if i can’t comply within 10 days?
hi ylana,
Sometimes Collection agencies seek the assistance of brgy officials to locate those hiding debtors. Only the brgy officials can confirm
if the resident of a particular address is still the handed in addressee. Many experience from card companies, when case filed due to leaving the declared address without notifying the card issuer, but upon preliminary investigation the debtor claims that they are still at given address. Isa sa pangunahing pakay ng pagdaan ng Collection agencies sa brgy upang ma confirm kung talaga ngang wala na sa address
ang debtor.
However, no brgy chairman will accept any complain against anyone if it is a complain from a company or corporation. Hindi na po ito sakop ng kanilang responsibilidad. Its only MTC or RTC or SMALL CLAIMS COURT can entertain the complaints.
hi bah,
hindi maaaring basta na lang gumawa ng ganyang document ang collection agency, kung talaga ngang summon yan please visit
the court branch na nagpadala para malinawan ka.
Gud day po!!! meron po ako unpaid eastwest credit card, dati po updated nman ako sa pagbabayad nun kaso po medyo nagkaron ako ng financial problem tapos nawalan pa ako ng trabaho, kaya po di ko n nabayaran un since march,2011. ung adress ko n nakalagay dun e sa dati ko pa po tirahan pero ang tinitirhan ko po ngayon e sa kabilang street lang din po. according po dun s isa ko kaibigan n nakatira dun sa dati ko tinirhan e may pumunta dw po kanina n 2 pulis kasama ang barangay official at hinahanap daw po ako. di po yong kaibigan ko ang mismo nakausap nung mga pulis pero narinig dw po nya sinabi nung dati ko land lady kung saan ako street nakatira ngayon at school kung saan nag aaral ang anak ko. ngayon halos di ako makatulog sa takot at kaba kasi baka anytime e damputin ako ng mga pulis or puntahan ang anak ko s school..posible po b yun? payuhan nyo po sana ako!! gusto ko po i-settle un kaso po e di ko pa talaga kaya!!
Hi Ed,
thanks again…somebody from the law firm who filed the compalint called me at nag-offer cla ny payment arrangement, you think pag may kasunduan na kami eh ma-cancel na yong summon ko at kahit di na ako pumunta sa MTC?
meron po akong malaking problemi need your advice po.. hnd po kasi t alam ng family kokya naistress n po ako sa pagkimkim nito… may pagkakautang po kasi ako sa frnd ko na 12 thousand napagkasunduan po nmn na bayaran ko xa ng 4 thousnad monthly kaso ang nagyari po nawala ng workyung papa ko kaya hnd narin po nya ko nabbgyan ng allowance ko kaya dko mbgay saknya yung 4 thousand n yun perolast month po nakabgay n ko saknya ng 2 thousand pero walang walapo tlga ako ngyon hirap po kami ngyon sa pamumuhay naminlalon at wala p kong trabaho tapos may anak p ko.. hinaharass n po kasi nyako sa paniningil tnatakot nyako na ipapakulong daw po nya ko at may gagawin dawpo xang hnd ko gugustuhin pag hnd ko daw po xa bnyaran hnd ko nmn po planong takasan xa ang akin lang sana bngyan nya ko ng consideration kahit papanu.. cguro po kaya ganun xa magsalita kasi asawa po xa ng ice mayor saprobinsya namin kaya ganun nlng nyako takutin… anu po kaya ang mga legal right ko regarding dto… gusto koman pong lumapit salawyer kayalang wala nmn po akong pera..hope matulungan nyo po ako tnx!
I contracted personal/unsecured loan with a banks in the Kingdom of Bahrain and was required to sign 3 checks bofore they will release my loan. I lost my job, I was terminated on my job, which was the basis for my loans being approved by the banks, and I come back here in the Philippines. I became delinquent in payment. Can I be sued here under BP22 considering the loan is done in other country. I have no checking account back there.
hi miles garcia:
pls try contacting eastwest bank
ms alli : hindi po nman ganoon kabigat ang problema mo.
mkk buti po kung ipagtapat mo s lahat ng mahal mo sa buhay like ur parents.baka matulungan k nila sa problems mo.pero di nman nakukulong
ang may utang lang.ang inaalala ko lang medyo influential ang pinagkakautangan mo kaya dapat ipagtapat mo yan sa mga kamag anak mo
at kung maaari mag pa police blotter ka kung pinagbabantaan ka n ng masama.
ms alli again: may i ask nag issue k ba ng PDC or any agreement in writing bilang patunay na may utang ka nga sa kanila?
nagabroad po ako nun, tapos nakapagloan po ako sa isang bank, unsecured loan po ito, pero bago po nila release ang loan ko, pinapirma po ako ng check, pero wla naman po akong checking account at may credit card din po ako dito….the problem is na terminate po ako sa work ko and so i need to go back po dito sa pilipinas….hindi ko po nabayaran ang loan ko and also my credit card….. magkakaron po ba ako ng kaso dito sa pinas about this loan and credit card?
jaime: di ko po maunawa kung saan ang loan mo ? at kunh saan ang credit card mo. sa pinas b o sa abroad? pls go a little specific kc d ko malaman kung saan and i don’t want to speculate
sa middle east po ang loan ko, dun din po ang credit card ko, more specifically sa CitiBank po…….
Middle East countries consider loan and card abandonment as criminal cases.
Pero wala silang jurisdiction dito sa Pinas para mag serve sau ng summon.Kung nag file na sila ng kaso laban sau at di ka nila makita sa address na binigay mo sa kanila noong naroon ka pa sa abroad for sure meron ka ng kaso sa kanila.Hindi maiseserve dito sa Pinas ang warrant mo doon pero maaari silang mag endorse sa mga collection agency rito para singilin ka.May jurisdiction din sila sa mga air port kaya maaari silang magpadala ng warrant mo sa mga Port kung saan may rota ang ang airlines nila.
Hi po..gusto ko po snang itanung kung my jurisdiction po b ang hong kong sa pilipinas?..ks my naiwan po akong loan doon hnde ko nbyaran nung ng ngapply ako s canda dahil n nwalan ako ng trabaho ng ilang bwan at due to financial crisis
.almost a yr na hnde nku nkpaghulog pero deretso prin ang sulat s pilipinas..klngan kung kumuha ng police clearance s hong kong for canada immigration..posible kyang my recors n ako at anu ang mga posibleng mgyri pag hnde ko mbyatan un kz mlaki n ang ipinatung n intrres..at hnde po ako nkikipagcommunicate dhil wla n ako s hong kong..
Hi Saveena: You have almost the same situation with jaime. HK consider loan abandonment as criminal case.Pero wala din silang jurisdiction sa Pinas kaya kung di ka lalabas ng Pinas walang manghuhuli sau pero kung lalabas ka ulit ng bansa maaaring naka H.D. ka sa mga Airport ng dalawang bansa.
So posible po kyang my criminal record n ako s hong kong?.. Nand2 npo ako s canada ngaun..pero klngan kung kumuha ng police clearance s hong kong for canada immigration..anu po ang pinakamainam n pwede kung gwin just in case my record n ako?.
Most probably yes. Maaaring meron ka na criminal records doon. Ang maaari mong gawin you can let somebody to do favor on you to settle your loan there, for sure may pang settle ka na kc nanjan ka na sa Canada.Then after mo ma settle you can have your clearance na.
hi! ganyan din problema ko sa cc.aminado naman ako spender ako nung nagkaroon ako ng cc yun nga nag-exceed sa limit at hindi ko na nabayaran bale last payment ko is this may 2011 at ngayon ang kukulit nila kesyo may mga kinontak silang policeat ngayon ngthreat sila na final warning na at magfile na sila ng civil case against me na yun nga baka yung mga belongings ko ang kuhain nila kabayaran sa paggamit ng cc ko. inasikaso ko kasi yung placement ng asawa ko kaya hindi ko sila nabayaran monthly ayaw naman nila ng after 1-2mos ko muna sila bayaran kapag nakaalis na asawa ko pa-abroad ayaw nila nagbibigay sila ng due date. naka-ilang law firm na ang cc ko pang 3rd na yatang law office ang nangungulit sa akin. grabe sila. hindi naman ako nagtatago alam naman nila yung bahay ko pinupuntahan pa nga ako sa bahay. help! pls advise thanks
@gracie: la naman po problema sa case mo, as long as nanjan ka sa address na ginamit mo sa application you did not leave your declared address.Yes tama ka nagpapalipat lipat talaga yan ng Law Firm.Ang problema lang jan lalaki ng lalaki ang Balance mo dahil sa tagal ng walang payment.
@ednabus question po, pano kung may utang kapa sa mga banks a couple of them, via mastercard/visa accounts, then you want to apply for another bank credit card mastercard or visa, makikita ba nila na delinquent payer ka? assuming different bank?
thanks po……follow-up ko lang po, kun wala sila jurisdiction dito sa pinas para iserve yung warrant, pwde po ba nila akong kasuhan dito sa pilipinas? thru their local bank dito? (citi bank po yung bank ko dun)
hi james. no hindi po pwede un.
@guyzer Yes it will reflect from listing of BAP that u have an unsettled account.
Thanks sa maraming info na nabasa ko, medyo nakakatulong po talaga ang site na ito para sa aming mga credit card users na nagkaproblema at nalubog na…
Gusto ko lang po sana malaman kung ano po ang mangyayari if lumipat muna ako ng house para lang maiwasan po ang mga nananakot na collectors at para maiwasan rin po ang pagkapahiya…actually that is my first plan pero i’m not sure if this will help, confused syempre kung ano ang mangyayari, pero i’m planning to pay my debts sa banks mismo directly kapag nakaipon na ko and i will request the bank na babaan ung debt ko.
Pls give me advice naman, or kung ano manyari kung lumipat muna ako ng tirahan. Thank you sa inyo.
Hi Ladily: Wala ka pong nilalabag na batas kapag wala ka pang maipambabayad sa credit card mo kung talagang wala ka pang hanapbuhay sa ngayon.Iyon nga lang marami talaga ang pupunta sayo para singilin,which is tama lang naman sila sa trabaho nila.Pero sadyang nakakahiya sa mga nakamasid na ibang tao lalo na doon sa mga nakamasid lang at nakasubaybay sa paligid natin at di naman talaga alam tunay na dahilan ng mga dalahin natin.Kung sana hindi ganoon kalaki ang interest at penalty ng cards sana nakakabayad tayo lahat.Kung sana hindi napuputol ang trabaho ng lahat ng nag eempleyo sana walang delinquent borrowers.
Sa tanong mo,tungkol sa paglipat mo ng pansamantalang tirahan,ganito ang sinasabi ng batas:
R.A 8484
(j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
Kung ganoon ang gagawin mo o ginawa mo na maaari kang ihabla ng paglabag sa R.A.8484 at ang penalty ng paglabag sa batas na ito ay:
Sec. 10. Penalties. – Any person committing any of the acts constituting access device fraud enumerated in the immediately preceding section shall be punished with:
(a) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, whichever is greater and imprisonment for not less than six (6) years and not more than ten (10) years, in the case of an offense under Sec. 9 (b)-(e), and (g)-(p) which does not occur after a conviction for another offense under Sec. 9;
(b) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, and imprisonment for not less than ten (10) years and for not more than twelve (12) years, in the case of an offense under Sec. 9 (a), and (f) of the foregoing section, which does not occur after a conviction for another offense under Sec. 9; and
(c) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, or imprisonment for not less than twelve (12) years and not more than twenty (20) years, or both, in the case of any offense under Sec. 9, which occurs after a conviction for another offense under said subsection, or an attempt to commit the same.
Now I suggest, keep communicated sa bank or even to the collection agencies para walang problema.Please do not hide to them.Or wag ka mo silang iwasang harapin only explain na wala ka pa talagang pagkukunan ng pambayad.Mauunawa ka nman nila.Ok lang kung direct to bank ka magsettle kapag may pambayad ka na.
ah ganon ba yun kapag lumipat ka ng bahay pwede ka nilang kasuhan?
meron bang ganon?
hindi naman sya nakipag arrange sa bank or wala naman syang pinipirmahan na documents paanong sya kakasuhan ng bank dahil sa pag lipat lang ng bahay?
@raquel: not because you do not have a signed arrangement as long as you already USED the card, the arrangement or agreement between card issuer and cardholder TAKES EFFECT the very moment u use the card. hindi ka naman kinakasuhan ng bank dahil sa paglipat lng ng bahay.pde kang lumipat ng kahit na ilang ulit basta iinform mo ang bank ng latest address mo kung saan ka pdeng makontak.at iyan ay kung may unsettled debt ka loan or ccard.
tama ba na ilagay nila sa demand letter na “Civil and Criminal Suits against you before the TRIAL COURT OF MAKATI” tska 40k lang utang namin naging 71k na dahil sa charges and penalties paano kung 1k lang ibayad ko kada buwan pwede parin ba nila ako kasuhan?
Hi raquel, kapag may violation nga po sa sinasabi ng batas sa r.a.8484 maaari kang makasuhan kapag ang outstanding balance mo ay higit sa 10,000 pesos.
Kung 40k ang utang mo at binayaran mo ito sa talagang due date na dapat mong bayaran un lang talaga ang babayaran mo.Tulad ng sinabi mo pumasok na ang mga charges at penalties kaya umabot na ng 71k.Meroon din naman binibigay ang batas na privilege para mapaliit ang mga charges at penalties but not the interest.
regarding po ulit sa loan ko…. kun wala akong kaso dito sa pinas, o sabihin na nating hindi nila ako makakasuhan dito, anu anu po ang pwde nilang gawin regarding my unsettled loan sa middle east specifically Kingdom of Bahrain dito sa pinas
hi james, maaaring ipasa ng Bank sa mga collection agency rito sa Pinas ang loan mo sa Bahrain FOR COLLECTION purposes. pero hindi ung kaso.At ung kaso hanggang Airport or any Port lng ng Bahrain kung saan sakop ng jurisdiction nila. Hindi ka rin nila maipapa block list sa mga banks dito. Ang pinaka mainam mong gawin kapag may naningil na agency rito makipag ugnayan ka para malinis mo pangalan mo sa Middle East.Makakatulong sila sau para mapatahimik din ang buhay mo o ang konsensya mo
sa ngayun po kc wla me permanenteng trabaho….kaya hindi ako makakabayad….anu po kaya ang maganda kong gawin
isa pa po pala, ano po ang ibig sabihin ng “non judicial jurisdiction”
Kung kaya naman nating gawan ng paraan kahit wala tayong permanent job dapat gawan na natin ng paraan.Di ko rin kasi alam kung gaano kalaki ang loan mo doon. Kung di naman ito kalakihan baka matulungan ka na rin ng mga relatives mo para ka makapangibang bansa ulit. Kung ditto kasi sa atin medyo mahirap ang work lalo na sa panahon natin now.Kaya kung ako sayo aayusin ko ang loan unsettled loan nay an then try again to look for another opportunity sa ibang bansa.
About your 2nd question, ito na nga ang pinag uusapan natin. Philippine is a non judicial jurisdiction of Bahrain’s judicial system. Therefore they cannot serve here their Police Notice or Summons.
hi po! ask ko lang po pag po ba nadelay ka lang ng one month bayad sa amortization ng car loan sa bank, may karapatan na po bang pumunta ang employee ng bank para pumunta sa bahay nyo at kunin ang kotse niloan mo kanila? yun po ang sinasabi nila sa akin sa telepono, eh one month lang po ako delay sa paghuhulg pati nakikipagcoordinate naman agad ako sa kanila na madedelay ang bayad ko..4 years ang kontrata ko sa kanila. may batas po ba para sa car loan na hindi agad pwede ipull out ang car sa client?tnx
paano din po maaalis ang name sa record ng cmap?ano po pati ang procedure para mapaalis ang bad record?pag po kac nagaaply ako ng loan sa bank lagi po nila dinedecline ang loan ko, ciguro po gawa ng cmap record ko. 2004 pa po yung bp22 case ko natapos hanggang ngayon, hindi pa rin naaalis.tnx
uutang pu sana ako kailangan ko pan tuition fee ko working student po ako graduatinag po ako kyaa po nagsasacrifie ako ng gaanito
pagsisikapan ko naman pong bayaran sna apo matulungana nyo ko
eto po cell no. ko 09475380576
I have concerns po about paying my unsettled utang sa Chinatrust, nakikipag communicate kami sa Anchor Collections, to set or suggest a date for the payment “initial payment” to settle. ayaw nila pumayag sa date and the initial payment daw, is para hindi mapunta sa litigation yung case. is it legal for them to refuse such suggested date, kung pinapakita naman namin yung intentions namin na makapagbayad. and since hindi kami personally makaka-appear sa ofc nila to verify, gusto sana namin magpadala nlng ng tao na may SPA naman to handle the issue for us. and sabi nila may subpoena daw na iseserve sa amin by a Sherriff Guasa and SPO3 Noble for violation of R.A. 8484. can they really do that, or is it just a pananakot?
@ ednabus…thank u sa advise mo regarding sa plan ko sanang lumipat ng house, actually i am already looking na pero i suddenly changed my mind, kung totoong di naman ako makukulong dahil sa hindi pagbayad ng card billings ko why should i change mg address.
Actually i am communicating sa banks kaya lang gusto talaga nila pay in full, ipinipilit nila yun kahit request ka ng other ways na hindi mahirapan tayong cardholders, kahit good payer tayo for the previous years hindi rin nila tinitingnan yun kaya nakakainis itong mga banks.
Thank you very much, next time na me pumunta or tumawag sa akin from collection agencies, kausapin ko na lang sila in a nice way na wala pa talaga ako pambayad, and then kung talagang manakot sila, magalit at kung anu-ano pang harassments and threatens ang gamitin, Pwede ba akong magalit at tell them na sige file it in court na para makapag explain at madefend ko rin ung side ko? Tama po ba?
Another question po pala, hindi po ba nila kami makasuhan from ignoring their demand letter and phone calls?
good day po ,,,nasa labas po ako ng bansa at nagplano pumunta sa ibang country pinakuha ko ang pinsan ko ng NBI ko dyan sa pinas,,laki gulat ko po kc,, hit,,, ako at inantay ko after 1week ang resulta may kaso daw ako bounching check civil case daw, nafile ang kaso last 2004 dec,2004 march nkaalis ako,,2008 kumuha ako ng NBI ok pa,,at diko po alam kung sino at anong bangko ang ng complain,,,na remember ko po 2004 din yun ng apply ako sa isang agency papunta london ng nahingi ng blank check tapos pinalagay ang amount na 35k,,at pinirmahan ko din pra daw mkaalis kmi kaagad,,then after 2-3weeks pagbalik namin sa agency closed na ng poae at ng NBI kc dami ng riklamo at naluko nla,,,may posibility ba na yun ang dahilan ng kaso na yun,,tulongan nyo pa ako di po ako makatulog ng maayos at takot po ako umuwi kc sabi nla sa airport plang daw ay dampotin na ako,,maaawa po kayo tulongan nyo ako,,may pamilya po ako,san po ako dapat lumapit,,.please po antayin ko po ang reply nyo,,pls,,,thanks a lot GOD BLESS U,,,
hi fitz,there is one thing that bothers me right now, i am here in canada and i owe like CAD3000 in my credit card and im going back to the phils in a month, for good, and i don’t have enough time to work to pay off my debt. and going back home won’t still let me pay my CC debt. possible ba na ma-reach ako ng collector? if you can give me some advice that would be a great help.. THANK U so much!
voie— same tayo. Anchors din may hawak sa akin. under Chinatrust. I kept on negotiating with them for the supplementary amount lang, ayaw nila.
hi po..kelangan ko po ng tulong nyo. last year oct. 2010 po nagloan po kami sa ASIALINK FINANCE 60k po approved nila den 54k lang po nakuha nmin. last february 2011 frm december 2010 till february 2011 nakabayad po kami kaso bigla pong naterminate ang asawa ko at kelangan nming umuwi mag asawa d2 sa pinas. ang problema po nmin name ng nanay ko ang nakalagay sa loan at kakasuhan daw kami ng asialink dahil di na kami nakabayad..wala po kami pareho trabaho ng asawa ko sa ngayon..di rin nman kami makabalik agad sa abroad dahil po nagkasakit cya ng leprosy at under medication pa. ako nman po ay kapapanganak pa lang po. worry lang po ako baka makulong ang nanay ko since hindi nman po cya ang gumamit sa pera. willing nman po kming magbayad sa utang na yon basta lang ba makaalis kami ulit. nag issue po kami ng PDC sa kanila at dinamay po nila ang co-maker nmin..help po..wala po tlga akong mahingan ng tulong.
@mila: within 60 days past due dapat follow up[s lang ang gawin nila at
at alamin kung bakit kayo nadedelay.maayos na paguusap lang muna dapat.
hindi naman agad agad nila maipupullout ang cat mo kung walang court order
or hindi mo voluntarily surrender.
about cmap , ang bank ang magdedecide kung kelan un malilinis.para
maapprobahan ka sa mga bank loans na inaapplyan mo always
submit ur certification of full payment sa mga dati mong napagutangan
sa application mo for new loan.
@ann santos: we are trying to contact ur cp pero di kami makapasok.pls open it para
makontak ka ng marketing officer sa bank na nilapitan ko.
dapat wala kang unsettled bank loans.
@voie reyes: nadiscuss na po ang mga SHERIFF issue at SPO na yan sa mga previous comments
wag nyo po patulan. makakabuti po kung sa chinatrust kayo
derektang makipagusap.
@Lady Mid: hindi naman kaso ang ignoring phone calls pero lalabas uncontactable kayo via
phone kaya pupuntahan ka nyan sa house mo.Just talk to them in a nice way
wag mo nman silang hamunin na idemanda ka dahil may option silang
dalhin ito sa SMALL CLAIMS COURT kung ikaw talaga ang maghahamon
o magsasabi na dalhin nga.
@chon: makakabuti kung alamin nyo muna kung ano ang cause ng HIT LISTING mo sa NBI.
Ibibigay naman nila ang case number at at ang court branch kung saan kau may pending case.
Di nman po kau dadamputin agad agad sa airport kaya wag kayo matakot kung
iyon lang ang problemang inaakala nyong cause ng hit listing nyo.
pero kung may isinampang criminal case sa inyo at di ninyo hinarap
maaaring may warrant nga kau.
@LGIT: please call directly to chinatrust. sabihin mong alisin ang account mo sa Anchor Collection
pagbibigyan ka ng Chinatrust.
@raquel: ang problema nyo po is financial kailangan nyo po talagang gumawa ng way
para maka settle.pag nakabayad ka na wala ka ng problema.un na lang ang
gawan mo ng paraan para makagalaw kayo ng maayos.
Hello po! hope you can help me.. more than a year ko na ndi nababayaran ang CC at matagal naring walang kontak sa knila. After a year nakreceive ako ng demand letter dito s bagog job ko. They ask me to pay them 114,000 Php. Hindi po ganun kalaki ang utang ko. Nag email po ako s knila requesting for the latest statement of account, wala silang ma-provide. they did not reply to my email, instead i received a call at gusto nya i-discuss over the phone kung paano sila nag arrive sa ganung amount. Nag request ako isend nlng sa email ko so that I can carefully review pero bigla sila nag offer ng amnesty. From 114,000 Php ung principal nlng daw ang bayaran ko which is 36,000 Php but they want me to pay it immediately pero I have no capacity to pay it now. I offered na baka pwede installment nlng.. again ndi sila nagreply sa email ko at isang txt message ang nareceive ko at ang sabi subject for audit look daw ng legal supervisor nila.
Kund ndi po sila pumayag sa offer ko na installment at wala po akong pambayad ngayon ng 36,000 php pwede pa rin po ba nila ako kasuhan ng violation of RA 8484 kasi one year ako walang contact sa bank? Maraming salamat po.
hi mam/sir.. relay q lang po ung prob namin sa hsbc.. early this year po hindi na kmi nakapagbyad sa cc nmin sa nhosptal ung daughter namin.. once lang kami na delay pero after 4 payments hindi pa rin nbwasan ung bill kaya we opted not to pay it khit tntwgan namin ung hsbc na bkit ganun e wla naman maisagot.. ryt now tumtawag sa haus ung collection agency sabi una lawyer daw xa magfile daw xa ng case, then another one nagpanggap sa barangay daw xa. lagi kong cnasabi wla na dun ung husband q at naguupa lang un sa bhay na un.. nata2kot ako bilang asawa kc baka maya my pmuntang tga hsbc or ung collection agency.. tama ba ang gngawa kong pagsabi na wla na dun ung asawa q? kung sakalaing magpalit aq ng landline number ano po bang pros/cons nito regarding sa situation namin.. please help…TY
hi lady c: sa 1 year na wala kang contact sa bank at di ka nila nakakausap, maaaring nasa law firm n nga ang account mo. verify from law firm if your account is already filed in court and archived or still for collection? kc medyo matagal n po ung 1 year na wala kang nakakausap man lng sa bank or agency. grab the given discounted amount to settle para di n lumaki pa. pwede yan install ment may konteng dagdag lang yan sa 36k
What about bouncing cheques issued abroad. I was in the Middle East and thru CC I’ve issued a security cheques. Will this be used against me here in the Philippines?
Collectors are from Bilkish daw.
@ed nabus…
Middle East countries consider loan and card abandonment as criminal cases.
Pero wala silang jurisdiction dito sa Pinas para mag serve sau ng summon.Kung nag file na sila ng kaso laban sau at di ka nila makita sa address na binigay mo sa kanila noong naroon ka pa sa abroad for sure meron ka ng kaso sa kanila.Hindi maiseserve dito sa Pinas ang warrant mo doon pero maaari silang mag endorse sa mga collection agency rito para singilin ka.May jurisdiction din sila sa mga air port kaya maaari silang magpadala ng warrant mo sa mga Port kung saan may rota ang ang airlines nila.
Does this mean they have a jurisdiction sa MNL-INTL Airport?
Hi all if you are having problems with debt, we are more than willing to help you in making an arrangement with your bank or to any person you owed money..We are a collecting and investigation company backed up by lawyers and we have assisted a lot of card holders who have been in debt for years and was not able or not willing to settle because of huge amount of interest..if you would like to know more about this pls feel free to contact us at this numbers 4782557, 5536291 or email us at heptagon_ccbis@yahoo.com
Good day, I have a credit of 30k in HSBC. I paid only half 15K dated last Oct.20. Then after a week, a prime alliance called me and told me that i have to pay the remaining by november 15 or else the payment i made which is 15K will be forfeited. is it possible?
I called the HSBC hotline and the voice record stated that my current balance is 20k and I can pay the minimum amount of Php 800 on or before nov 24.
Hi po i need some advise po my overdue po akong utang s prime credit s h.k last may pa po ngoverdue pero nbyaran ko po kalahati plang d ko n nkyang mgbyad nung nwalan ako ng work ngaun my work nku at im planning to pay it everymonth by installment pero my demand letter ang isang atty daw from pasig n ngsasabing i need to pay my balance within 5 days full amount pra daw hnde isampa s civil case o criminal case..pwede po b nila ako ksugan s pilipinas o s ibang bansa? At pwede po b ako mgdemand s knila n bbyran ko by installment posible po kya un..pero kung naifile n po nila s court ano po ang pwede kung gwin pwede prin po bang mclear ang record ko once n mbyaran ko ang full amount po..pls help me
@ bubbles if your debt is assigned to a 3rd party agency whic is an investment house then that is where you need to post your payment..obviously the bank where you owe the money before has sold your credit to them bec its non performing, if you will go to the bank, they will not have any record of it because all documents were passed on to the investing house..so call the 3rd party agency ask them for the assignment of debt to show that your obligation has been passed on to them
hi ,,may utang po ako dito sa hongkong,,diko na po nabayaran dahil lagi po akong termenate at sa agency napypunta sahod ko,,ngayon po pupunta napo ako ng turkey,may tendency po ba na mahold ako sa airport dahil sa utang ko,,pls help me,,
ask ko lang po ang isang scenario, nakapag co-maker po ako sa isang kasamahan,nag salary loan sya, deducted naman po sa sweldo nya kaya ok lng, unfortunately NAMATAY po sya ng biglaan, as a co maker ako po ang pinagbabayad ng bangko na kung saan napakatagl na panahon na po yung loan, mga 2002-2004 pa po tapos naka tanggap ako ng notice at final na po daw yun eh once pa lang ako nakatangap, tinawagan ko ang bank at ang sabi liable po daw ako at dapat i settle tulad ng iba i court po daw ako, napakasakit sa akin na mag bayad ng utang di naman ako ang nakinabang,sinabi ko rin na namatay na ang principal borrower, ano po ba ang dapat kong gawin , puntahan ko ba ang family ng kasamahan at spasa ko sa kanila? di ko alam gagawin/ punta po ba ako sa abogado ng aming munisipyo at humungi dito ng tulong? parang kasing ako ang biktima, me policy b n pag namatay ang umutang kailangan ang co maker ang magbayad? salamat po sana ma advice nyo ako
@teng: no, just ignore them, baka paid n rin yan ng credit insurance, ang pinaka mainam mong gawin provide them a death cert of the principal borrower basta di k nman co-borrower at di mo un asawa. co-maker ka lang naman. by the way anong bank ba yan email mo sa email add ko thanks
hi kuya ed,,pls pakisagot naman ng tanong ko,,ng aalala na po tlga ako,,mahohold po ba ako sa airport ng hongkong dahil sa utang ko sa banko na isang taon ko ng di nababayaran dahil nga lagi akong natetermenate sa 2 kong amo at sa agency napupunta ang sahod ko,,lapit na po flight ko papuntang turkey,,pls po help me po,
hi akonanga: did your bank file a case against you, kung hindi pa at wala pang pumupunta sa address mo jan sa hongkong to served any police notice pwede k pang bumyahe. pero kung may case filed na at di ka umattend ng hearing maaaring may hdo k na sa airport.
salamat po sa reply,,salamat po tlga,,
Good day, I have a credit of 30k in HSBC. I paid only half 15K dated last Oct.20. Then after a week, a prime alliance called me and told me that i have to pay the remaining by november 15 or else the payment i made which is 15K will be forfeited. is it possible?
I called the HSBC hotline and the voice record stated that my current balance is 20k and I can pay the minimum amount of Php 800 on or before nov 24.
need advise po….
Prime alliance is forcing me to pay the 16k para ma clear ako s bank, but i can only afford the minimum payment every month…..
hi kimz: Request for HSBC to pullout your account from such agency due to unfair collection practice , if HSBC agreed to your 800 payment why they can’t. Pay the amount HSBC said and inform HSBC of your payment to know your remaining balance. Di po totoong mapo forfeit ang payment mo.
Hi ed!
I just called the bank but they said that nai-endorse n raw nila ang account ko sa Prime alliance. Reason why I was still able to check my account thru phone last week was that hindi updated ang system nila. I asked the HSBC collections department if mapo-forfeit ba yung last payment ko if hindi ko mabayaran ng buo ang remaining na 16k, they said na depende daw sa Prime alliance.
Doesn’t this mean na bahala na ako sa buhay ko sa pang ha harass ng Prime alliance?
isipin nyo….gusto ng Prime alliance na mag bayad ako ng 16k within 30 days from the time na binayaran ko ang 15k or else ma po-forfeit daw yun 15k….
kim, insist to them your rights as their client.ikaw pa rin ang masusunod kung gusto mong ibalik s bank ang collection ng account mo.
Sir Ed,
Salamat ng marami sa patuloy na pagsagot sa mga tanong ng mga tao dito. I really appreciate all the effort. Marami akong natututunan sa iyo dito. God bless and thank you once again.
Sir Fits, To God be the glory. Akin po ang pasasalamat ng marami sainyo. Karangalan ko din po ang maiambag ang payak kong kakayahang tumulong katulad po ng hangarin ninyo. Hangad ko po na mas marami pang tao ang magpapasalamat sa Diyos ng dahil sa inyo. More power po sa inyo at samahan tayo ni God.
Hi Ed!
Maraming salamat sa pag sagot ng aking mga katanungan.
sir Ed,
Possible ba yun na maibabalik sa HSBC ang account ko?considering na binigay na ng HSBC ang account ko sa prime alliance?
kimz, ang iyong account ay hindi ibinibigay ng HSBC sa Prime Alliance , it was only endorsed for collection purposes. Marahil may katagalan na ang nakaraan bago ka nakapag bayad ng 15k na sinasabi mo kaya nagawang ipakolekta ng HSBC sa Prime ang account mo. 2 months or 3 months kc na hindi ka makapagbayad ng kahit na ng minimum amount due sa iyon card dadalhin na ng Bank ang isang account sa Collection Agency para matulungan sila sa collection. A certain percentage is being paid by the Bank to an agency if collection effort success. Please let me know how many days past due na ba ang account mo nang magsimulang komontak sayo ang Prime? Maaari ka rin humingi sa HSBC ng restructurring ng account mo para makatipid ka.kasi habang tumatagal ang balance mo malaki ang charges na papasok monthly kung hindi mo ipapa restructure.
thank you for the acknowledgment Ed!
mga 3 months bago ako nkapagbayad sa kanila ng 15k.bale 2 day before ako nagbayd kumontak sa akin ang prime alliance.nagkamali pa nga sila coz nag send sila ng text message but addressed to someone else. I think yung message na yun is meant for another creditor tapos copy paste nla yung message but forgot to change the fullname of that person. Hindi ba pagdivulge ng information yun nung other creditor? anyway back to topic, tapos after 20 days ng pagbayad ko ng 15k kinontact nila ako and dun na nanghaharass na sila na dapat daw bayaran ko ang remaining 16k on or before 30 days after ko nag bayad ng 15k or else mapoforfeit daw talaga according to bank, but when I talked to HSBC collections…sabi nila na nsa prime alliance daw ang decision. I don’t know if they are just playing safe para mapilit akong magbayad ng remaining balance ng full…
kuya ed , ano po ba ang pagkaka iba ng co-maker at co borrower? at base po sa letter na natanggap ko ay “as her co-maker for EPDI salary loan” salamat po sa inyong sagot. send ko po sa email nyo yung bank.
Gud pm po sir, tulad din po ako ng iba na may utang sa creditcard at may personal loan sa citybank baharain at dati rin po ako nag work sa bahrain.higit n apo 2 yrs diko nabayaran ang loan at c card ko wla din po nagpupunta sa bahay.3 months later 2009 nakatangap ako ng email sA CITYBANK BAHRAIN regarding my unsettles c card. after that wala na po. na terminate po ako sa company ko kaya bigla ako napauwi.ngayong 2011 nakabalik po ako dito sa bahrain in other company.wla naman po akung naging problema sa airport. ang gusto ko pa malaman kung paano ako mag kikipagusap sa bank regarding my c.card and personal loan.gusto ko mabayaran ito.talaga lang po masama ang nangyari sa akin kaya ako napauwi last 2009 august.wla akung nakuha sa company ko after serving them for 10 yrs.kung pwedi po sana sa email ko kayo mag reply.bale 3 months na po ako dito at hindi pa ako nakikipagusap sa bank kasi may salary deduction pa ako dito until Feb 2012.gusto sana after this saka ako makipagusap sa bangko.pls give me advise regarding this matter.
Respectfully
sir, i just want to ask if you have unsettled c.card and personal loan and you are willing to pay them back after more than 2yrs,do the bank give amnesty payment?
may nautangan po ako na tao lang tama po ba na asawa ko ireklamo nya sa trabaho eh kami 2 magkausap?
I do have a cc form HSBC and sabi nila ay magkakaroon daw ng legal visit to the company na connected ako… Nagresign ako sa dati kong work nung June of this year and Sinabihan ko naman ang HSBC na nawalan ako ng work.. Tapos ngayon sabi nila wala daw akong intent magbayad eh bago lang ako sa company na pinapasukan ko.. wala pa nga akong 1 month.. ano ang dapat kong gawin? Magbabayad naman talaga ako kapag nakuha ko na yung salary ko… help naman po pls..
San po ba dapat mag settle ng credit card debts? sa bank or sa law office na sumisingil?
hi susan of course sa bank pa rin ng credit card mo with the same card number. fill out payment slip tulad pa rin noong ginagawa mo ng mga nakaraan ang pagbabayad nya. pero dapat mong sabihan or inform ang law firm na may hawak sa credit card mo for collection.
jumer ang dapat mong gawin , is to directly tell the bank or the bank collector n tumatawag sau na ganyan nga ang sitwasyon mo. they will understand u for sure.
hi ding ding yes , meron po amnesty palagi lalo na kung one time payment ang gagawin mo or payoff the whole amount. aalisin jan ang mga late payment charges and penalties.
hi liza, mali kung ang irereklamo nya ay ang asawa mo. wala nmang utang ang asawa mo sa kanya di po ba?
good day once again mr. ednabus…..pag po ba ang credit card ay issue ng isang bank sa ibang bansa at hindi ito nabayaran, sakop po ba ito ng Republic Act No. 8484?
hi james , hindi po.
maraming salamat po ulit….thanks
Hello po!
I have question po. i was working in singapore and i owe some loans to the banks and money lending institutions. I just went back here in the phils for an emergency leave pero nung pabalik na ko i found out na ipina-cancel ng employer ko ang pass ko without my knowledge. Ask ko lang po ano po bang pwedeng gawin now that i dont have the means to pay them back kasi nga tinanggal ako sa work. Will they put a case against me? Awaiting for your reply.
Ms. Aries
Hi all,
Thank you for the info on this site, i myself also has a unpaid CC debt, particularly Citibank, wala din ako capability to pay 4 yrs ago i stopped working and my husband is only a teacher then and we have to 2 kids to provide for, we opted to call the bank and applied for re-structuring program agreement based on the amount we can afford particularly P 1,500.mos, i am paying it through Chinabank or BDO, now last year na namin to pay -at last 1 year na lang, medyo natagalan nga kami pero ok na- from 50K original- naging 75k ang total ng lahat ng nabayaran namin, ok na din kasi magaan naman, but now may tumatawag na naman na collection agent ng Bankard naman ung sa husband ko ito more than 10 yrs na no communication with us basta bigla nalnng nabuhay, is its because kaya nakita nila na nagbabayad kami sa other CC namin ? my database ba ang mgs collection agencies na ganun,kala ko naman matatapos na problem namin sa credit card, ayaw bayaran ng husband ko ung collection firm kasi bat now lang daw sila nkipag communicate?
Thanks
hi dyeni,
wala pong data base ng ganun ang mga collection agency kahit na ang bank. all banking transactions are highly confidential. maaaring 10 years na wala silang means to contact you or you might have changed your address. you’ve traced after thorough investigations of a law firm and now lang nila natunton ang whereabouts mo. from the very start of your delinquency they are contacting you or your husband. as long as hindi nako-close ang balance nyo may kokontak at kokontak sa inyo.
matanong ko lang po. nagloan kasi yun nanay ko sa Sterling Bank. at pinag issue siya ng mga PostDated Checks. kaso ngayon medyo gipit lang yun nanay ko.
tapos ngayon hinaharass siya nun Atty. Pekas daw at pinagsasabihan ng hindi magagandang salita. at kakasuhan daw ng BP22.
natatakot na nanay ko e.
ano po ba magandang gawin? ayaw na niya kausap yun sa collection agency kasi bastos magsalita. na kesyo pag hindi nagbayad eh makakarma at mamatay daw ang buong pamilya namin. pag hindi nagbayad yun nanay ko at magkita sila eh iuumpog yun nanay ko sa pader.
may paraan ba para matigil na yun mga ganitong harassment?
hingi sana po kami ng tulong.
salamat po
hi stoopid assh,
ano ba ang pdc ng nanay mo same bank?sterling din ba? magkano monthly amortization ?
HI there ed!
Though I have read the sentiments of our kababayans here who have CC issues, I’m still planning to apply for one. Any Advice for a first time CC applicant?
hi, is it true that if your cc debt was 5 to years unpaid it will be written off ? i already requested for a payment arrangement scheme from the bank but they require lots of things like co maker which should have a net salary of Php 100k plus.They rejected my request. Now I don’t have the means to pay the debt and the collection agency is after me and my principal cardholder (im supplementary card member)What shall I do? I already did my part but the recovery team of the bank is no just cooperative. Please advise.Tnx
I’m indebt of my cc. I already proposed for a payment arrangement scheme with the bank but they disapproved it. I have no intent of running away of my obligation but as of today I don’t have the means to pay the total amount due of Php 315k. My account I think is already endorsed to a collection agency. They started texting and calling my number and the number of the principal card holder (i’m supplementary and the one used the card).They are so rude and they are threating us of ESTAFA and our pictures will be published in the leading newspaper, cc the NBI, Police and Brgy officials. I know that all of those are just not true. I really wanted to repay but not the 300k plus because the bank keeps on putting interest on our account. I was a good cc holder for the past 4 years only this last 3 months i had a financial problem. I also had a friend who had the same dilemna with me she had Php 60k+ cc debt and the cc agency asked her to pay only 20k. Perhaps I would wait for the next christmas season because cc agency gives lots of discount . /tnx
just recently may nrecieve akong letter from sterling bank stating na kakasuhan nila ako ng criminal case due to bounce of pdc’s & yun nga hindi pa ako nakakapagpayment sa kanila monthly siguro may 1 year na due to financial issues,so ngaun lng sila nagparamdam. ang alam ko (lang ha) there’s no criminal case filed sa mga ganitong debts be it sa loan or sa cc’s diba dapat civil case bp22 siya? and the letter was from a collection agency so meaning after ilang months nito mananakot na sila sa amin na kesyo ganito or ganyan…etc just to pay your monthly dues at syempre may kita sila doon nangongomission din yang mga 3rd pty collection agencies kaya todo kulit at pg-threat ang ginagaw nila sa atin.
hi, just new here, need help lng din about bounce check (BP22)
ngloan akong chinatrust 2009 and payable for 2 yrs, last 2 months nlang dko nbyaran due 2 financial crisis. wla nman ako nreciv n call or letter s knila since june 2011.. then nung monday nkareciv akong letter, FINAL Warning n daw from VE Palis Law Office. they’re the legal arm of ERJ Collection daw.
as per instruction from chinatrust, mgfile n daw cla ng complaint against me, criminal case for violation of BP22 or anti bouncing law.8000 lng po remaining balance ko but now they’re asking me to settle 19000 in 2days…
attach s letter ung draft copy ng complaint sa MTC, makati branch.
makukulong n po b ako nun? nu po dpat gawin? sobrang takot at paranoid k n po, but i dont know where 2 getthe money 2 pay since im a single mom..
please advise.. TIA
magandang araw po, hingi lang po ako sana ng advise, may CC po ako Metrobank 6months ko na po sya d nabayaran last week po may tumawag sakin na agency para maningil ang problema po ang laki na ng sinisingil nila ayaw pa pumayag sa halagang kaya ko ibayad tapos tumawag po ako sa bank para sa kanila ako direct na makipag usap kaya lang po ayaw ako assist ng bank kc nasa agency na daw gusto ko po talaga ma settle na to kaya lang ayoko po talaga sa agency kc wala po sila konsiderasyon anu po ba dapat ko gawin
Hi @jean sad to hear that we have other competitors who are inconsiderate, we have handled a lot of accounts like yours, apparently this are agencies who are only aiming to get higher incentives from the bank they are affiliated. it’s true that banks would often ignore your request because your speaking to one of their employees who sometimes would not do an extra mile to hear your concern and just refer you to the agency. We offer assistance on credit settlement, like getting an amnesty and offer arrangement of your payment based on your capability to pay. We suggest that you call one of our paralegal officer at 9840475 or email us at heptagon_ccbis@yahoo.com we know you’re in debt so we ask reasonable and humane charges for our service fee. our aim is to help solve credit here in the phils. pls do like our page too http://www.facebook.com/heptagoncredit follow us on twitter @heptagon_ccbis
Godspeed
The President
hi lersy, that’s a bit harassing i should say, but you don’t need to be much alarmed apparently that is just a draft meaning its a sample complaint affidavit in case they’ve decided to file a bp22 case, but here’s the problem, bp 22 is a crim case which is punishable by 30 days imprisonment but not longer than 1 year or a penalty not higher than 200k. just so you will know bounced check is a prima facie evidence against deceit or fraudulent act. I suggest you make a settlement within 5 days upon receipt of the letter from the agency. bec if hey have a sec. cert from chinatrust they can already make necessary actions against you. Still an arrangement would do good to prevent you from getting into court. if in case you’ll be declined from the arrangement we can help you. We suggest that you call one of our paralegal officer at 9840475 or email us at heptagon_ccbis@yahoo.com we know you’re in debt so we ask reasonable and humane charges for our service fee. our aim is to help solve credit here in the phils. pls do like our page too http://www.facebook.com/heptagoncredit follow us on twitter @heptagon_ccbis
Godspeed
The President
@gracie sorry to tell you but you have a wrong notion about bp 22. its not a civil case its a criminal case punishable by imprisonment or fine, some would say walang kulong yan they would even quote Admin circular 1200 from SC which many people misinterpreted as abolishing the penalties of bp 22. 1st of all if there will be a case filed against you, chances are settlement, meaning you can pay them but you cannot demand kung ano lang ang kaya mong bayaran unless the judge is considerate about it. keep in mind that this is not estafa, sum of money which is a civil case. if the Judge feels that you’re guilty or you are frequent offender decision can be made for imprisonment, but since there is Admin circular 1200 from SC and judge feel that you are a first offender or that you are in good faith in the check you wrote penalties can only be the fine which in not more than 200k. so i suggest settle your obligation para hindi ka magulat one time na makarecv ka ng demand letter and later on a subpoena
hi @worriedgirl i can’t understand, are you the principla holder of the cc or the supplemenary holder? kasi if you’re no the principla then it is not your obligation to pay the cc
hi, heptagon_ccbis, I am the supplementary card holder and I was the one who only used the card. My principal card holder did not use any single transaction of the card.
hi Fitz,
thanks for posting a helpful topic on your site.it help us alot.anyway i have one question that you could surely help me.i have a friend that is being blacklisted by the bank and of course it really hard for her to file a loan in any bank because of it..is there any legal action that you can give to remove her name from being blacklisted?
thanks and more power…
hi, i received a text message that says my credit standing is officially block listed in CCAP and BAP and All banks refer for backgound checking in terms of loans and work application to justify their concern.. i’m not worried about loans coz I don’t plan to.. it’s just that, will this really affect my work application to a certain company? I’m planning to apply for a job this year and I’m afraid I couldn’t get one because of being block listed. I’m a credit card holder of EWB and i havent paid it yet for 7 months now. I need an advice that’s why I ended up here in your site. more thanks
WALA pang nakulong dahil sa UTANG (per se)…
@worriedgirl who is the bank issuer of the cc? regarding your responsibility to pay the card, we should 1st know the terms & conditions covering the liability to pay. We can also help you make a request from the bank to give you an amnesty just call one of our paralegal officer at 9840474.. pls do like our page too http://www.facebook.com/heptagoncredit follow us on twitter @heptagon_ccbis and fell free to email us at heptagon_ccbis@yahoo.com
hi EWB, that is very unusual to receive a txt message from a cedit mapping agency, i should say it must have been the agency collecting you who messaged you on that. problem is we cannot get and verify if your blocklisted, unless you tried to apply for a loanand was declined bec of being blocklisted.. but if you wanna settle and your name is already in CMAP, CCAP or CBAP then the best thing to do is settle you dues and we can request for a quitclaim which will serve to renounce all claims and liabilities that have settled. If your name is blocklisted, even if you settle your name will not be removed from the list after a prescription period of 5 or 10 yrs, sometimes it depends on the credit mapping agency and the updates of the bank. so the best thing is ti get the quitclaim once your settled so you can always bring that with you and for you to prove that you do not have a bad credit.. we can assit you on this call oneof our paralegal officer at 9840475
Hi,salary loan from a bank naman where i work sa school before they issued 1 check 20k every payday deducted na agad yun for 1 year payment. Ang problema forced resign ako sa school, ayoko mag resign dahil may utang nga ako sa bangko pero pinilit akong paalisin ng HR at pagawin ng resignation letter. In short po,tinanggap nila ang resignation ko at wala akong nakuhang separation pay kundi last salary ko for that month at 1 deduction pa lang ang nabawas nila sa utang ko.After 2 years naka recieve ako ng first demand letter. Ngayon po ay over 15 years na ang nakakalipas..at marami na din akong demand letters na natatanggap na ibat ibang letterhead, address ng agenciy collectors signed by ibat ibang atty’s. Pinuntahan ko ang accounting office ng school kung saan ako nag trabaho para malaman kung may utang ako sa bangko, kasi naisip ko na hindi nila ako dapat clear to resign kung may utang ako under ng school dahil sila ang nag introduce ng bank loan na yun at dun pa sa HR ko niresib ang cheque na 20k. Confirm naman na wala daw ako utang. Ano ba ang dapat kong gawin..after ng work ko sa school ay wala na akong regular job until now
please someone advise me please..maramimng salamat po
hi, ask ko lang po, kasi pina tira ko ng free ang gf ng brother ko sa bahay ko sa pinas, ninakawan na ako ng mga gamit, ginamit pa ang credit card ko ng wlang permission nagulat nalang ako na may bill ako feb 2010 ang date eh 2008 palang wla na ako sa pinas at passport ko ang evidence ko na di pa ako umuuwi sa pinas until now 2012 na.PANO KO PO I DEDEMANDA ANG GF NG BRO KO ? thanks in advance
by the way , principal card holder po ako at yung brother ko ang supplementary..NO WAY THAT MY BROTHER CAN USE MY CREDIT CARD BECAUSE THE NAME ON MY CREDICARD BLATANTLY reads a GIRL´s name aside from the fact that I HAVE EVIDENCES from her text ,email messages and facebook messages that she is sorry and promise to pay BUT NEVER DIN and eventually said ¨UNGGOY MAN NA UNGGOY DIN KITA MAMATAY KA SA GALIT !¨
Hi pinay in europe: pwede nu po sya kasuhan ng criminal case for violation of r.a.8484.(unauthorized used of access devise)bakit nu po kasi iniiwanan ang card nu?dapat dala nu po yan kahit saan kayo punta.
hi mocha: sa simula ng message mo aware ka na may bayarin ka pa sa bank kaya ayaw mo mag resign?pero sa bandang huli nagtatanong ka kung may babayaran ka pa ba o utang sa bank?dapat nilinaw mo sa school kung ano ba talaga status ng pag paalis nila sau.isa pang mali bakit ka nag sign ng resignation gayong against ito sa will mo,tuloy di ka nakakuha ng separation pay kasi nag resign ka.
anong bank po ba yan Asia United Bank ba?
Maybe it’s a salary loan thru corporate bank loan ng school nu ang binigay na loan sau ng H.R nu. Liable ka pa rin sa pagbabayad noon dahil ung receiving copy ng mag issue sau ng loan ang H.R nu forwarded un sa bank.Kumbaga naging agent lang ang H.R nu
hi just want to ask lng poh. someone texted me 09063586623- he sais he was mr. flores from remedial department. he texted meregarding my EW balan ce that they would do a property field visit in our house for debt abandonment. Is this something legal??? PLS. HELP ME NAMAN POH… aM SO SCARED… and nakkhiya sa family ko.