Comments on: Philippine Fair Debt Collection Practices Act

By: littleboymigoi

littleboymigoi — Wed, 08 Feb 2012 07:59:59 +0000

hello, I left 2 personal loans from a lending company back home in the philippines, 1 loan my bal. was 20t and the other is 100t plus along with this are PDC’s, i have been renewing my loans with this lending companies many times but this is the only time i am not able to pay them up. I just migrated here in the US and i practically left my practice, my whole life in the phil. I can no longer fund my bank account bec i have yet still to find work here and my checking account closed bec of lack of funds. My brother back home is getting mad at me bec everyday, there are so many people calling looking for me and they always getting a demand letter for me. and one time there’s this someone who went to our house threatening my brother that they will attach our properties (house and Car which is not under my name) can they really do that? can taht problem back home affect me here in the US?

By: cheche0216

cheche0216 — Tue, 31 Jan 2012 05:27:57 +0000

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.

By: ednabus

ednabus — Mon, 30 Jan 2012 05:29:19 +0000

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

By: ednabus

ednabus — Mon, 30 Jan 2012 05:22:42 +0000

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.

By: pinay in europe

pinay in europe — Sat, 28 Jan 2012 03:37:00 +0000

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 !¨

By: pinay in europe

pinay in europe — Sat, 28 Jan 2012 03:34:14 +0000

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: mocha

mocha — Fri, 27 Jan 2012 14:35:11 +0000

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

By: heptagon_ccbis

heptagon_ccbis — Thu, 26 Jan 2012 02:07:01 +0000

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

By: heptagon_ccbis

heptagon_ccbis — Thu, 26 Jan 2012 01:55:32 +0000

@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

By: love

love — Wed, 25 Jan 2012 05:42:23 +0000

WALA pang nakulong dahil sa UTANG (per se)…