Comments on: Philippine Fair Debt Collection Practices Act

By: julu

julu — Wed, 16 May 2012 01:04:25 +0000

gusto ko pong humingi ng advice.. plan subscriber ako ng globe di ko na nabayaran.. 4k monthly ang monthly.. dibale may 4units na libre po 2pcs iphone4 and 2 units nokia n8.. di ko na po natuloy bayaran kc nagclose na ang business ko at small business lang naman yon.. dibale umabot na ang bill ko more or less 50k each unit.. ngaun po may mga legal notice letter ako.. ang ginawa ko sa isang unit. sinettle ko lng ng 1000 to 1500 lang monthly na hulog ko.. ung iba po di ko pa naumpisahan bayaran.. gusto ko nman po isettle ung ibang unit pero di ko lang po magagagawa na sabay sabay magbayad.. nababother lang po ako sa due date na masasampahan na daw ako ng case.. pa advice naman po… salamat

By: julu

julu — Tue, 15 May 2012 23:46:24 +0000

hi po! gusto ko pong humingi ng advice.. may unsettled bill po ako sa globe postpaid ko.. di ko na po kayang bayaran.. malaki ang nakuha kong plan monthly kaya libre po ang unit.. 4units po 2 units ng iphone4 and 2pcs nokia n8.. ung isang phone 2months ko nabayaran the rest di na nabayaran.. nagclose na rin po kc ang business ko.. and its small business lang.. ngayon po may legal notice letters na ako.. diko na po kayang magbayad ang kaya ko lang pong bayaran is 1000 monthly.. nagiistart na po akong bayaran ung isang unit.. pero ung ibang unit di ko pa nauumpisahan.. naba bother po ako kc ang laki ng bill each unit.. worth 60k? pero pinutol na rin nla ang line 1month pa lang di nna ako nagbayad.. sana po may makapagadvice sa akin dahil nakakabother po talga.. tnx!

By: ed nabus

ed nabus — Fri, 11 May 2012 14:20:32 +0000

Jillian:They will send you notification kung cancelled na card mo. Kung ang pinadala sau is to update your account maaaring hindi pa cancelled ang card mo.Lalo na at nagbayad ka nman sa amount na ni required nila. Most Credit Card company or Banks endorsed the accounts to Collection Agency after 90 days past due.By that period cancelled na ang card mo at di mo na ito maaaring gamitin and its already considered delinquent.

By: jillian

jillian — Fri, 11 May 2012 04:05:55 +0000

sir ed/sir fitz,

ask ko lang, ilang buwan ba na delinquency bago mapunta sa collections ang credit card? in my case, citibank. tapos pag napunta ba sa collections di mo na pwede gamitin pa kahit bayad mo na, icuclose na ba nila yung account ko? i went overseas for training last feb, so di ako nakapagbayad ng february at march. mid april may natanggap ako sulat from citibank asking me to pay atleast the minimum amount due before a certain date, ayun, i paid naman, nagbayad ako ng statement ko for april,and a little bit over the amount due. pero kasi may tumatawag sakin na number ng citibank, (alam ko citibank siya kasi i tried calling the number back, yun ang narinig ko, citibank nga.) so right now di ko alam kung okay pa ba standing ng account ko or what. ayoko naman gamitin to check it. and ayoko rin tumawag sa citibank to check.

By: ed nabus

ed nabus — Thu, 10 May 2012 04:36:43 +0000

hi she, nagtataka lang ako bakit ikaw ang nagbabayad gayong co-maker ka lang naman at di nman ikaw ang nag issue ng mga pdc.pls email me at ednabus_2006@yahoo.com.ph so that I can give u my numbers to call.
Mr T.almost the same problem nga kayo ni ms t. I have already told here of what to do thru private email, pls do email me at the provided email add.
Ms Janett:mas mababa talaga ang itatalagang interest sa SCC pero may interest pa rin po yan depende sa mapagkakasunduan nu or sa dati nyong kasunduan.Kung accepted mo na ang malaking interest na pinatong malamang un n ang susundin nyo pero pde kang makiusap na bawasan ang penalties para lumiit bayarin mo.
Maelao:walang karapatan ang agency o ang bank mismo na ibigay ang lahat ng detalye ng loans mo sa kahit na sinong tao o kahit na sa Brgy chairman nyo.Malaking paglabag ito sa confidentiality ng account mo.Maaaring matanggalan ng license ang Agency na nagpadala nito sa Brgy nyo. Iyon ay kung magko-complaint kayo.PM me so that I can tell you where to file complain.
Hi Sir Fitz, I has just came back from travel around Luzon. from Baguio City, Tuguegarao , Santiago City, Ilagan, Solano Nueva Vizcaya and Tarlac. God bless all and this site.

By: Mr. T

Mr. T — Wed, 09 May 2012 07:53:53 +0000

Hi Mr. Ed, Hi Ms. T : i have the same problem with PSBANK i think we cannot deny that they hire this agency to humiliate us.

Last year i receive a call during working hours about my PSBAnk account.

Thursday May 26th 2011 a certain Catherine from Philippine Daily Tribune under the office Mrs. Nina Cancho – Alvarez siting that i will be published in the newspaper for being a delinquent debtor and siting also my employer company.

I reported this to PSBANK thru their credit and collection via email but no answer and a year of silence from them.

Just this afternoon another agency called again but this time in a nice way. How can i get back on PSBANK & its collector who curse me over the phone. Do we have a fighting chance?

I frankly told this new agency that i want PSBANK to pay also to the humility that i receive from their debt collectors.

I could have paid them 3 years ago. but because of this people that they hire i lost interest and pay more attention to my other debts.

Please help what should i do. which agency can i ask for help.

By: Janett

Janett — Sun, 29 Apr 2012 05:39:19 +0000

Hello! Nag-loan po ako sa isang lending company…is it possible po ba na sa 2Ot na principal amount eh mag file sila ng case? Meron po kmi usapan sa brgy na babayaran sila ng 1t monthly at sa principal ibawas pero hindi sila nag collect tpos may pumunta sabi nya na bale walain daw usapan dun at mag file daw sila… ang concern ko lang po pwede po ba na lhat ng payments namin is sa principal ibawas? Ano po ba ang pwede namin gawin? Ksi kung re-structure na naman patong na naman sila ng malaki…I heard po na sa small claims eh 1 per lng ang pinapatong ng judge

By: Maelao

Maelao — Wed, 18 Apr 2012 07:00:42 +0000

Hi Fitz share ko lang to:
I once had a personal flexi loan from a bank back 7 years ago. As I remembered it I still have more less 10K outstanding without interest and other charges. Just last week I received a letter from our ‘Barangay’ (the barangay captain personally gave it to me and the letter is already open because it was addressed to the barangay) from a law firm saying that my unpaid due is 195K. This is horrible. How is this possible? I can’t get a loan more than 30K back then because my net pay ranges only from 5K to 6K per month? The letter also said that I will get more letters like this and to avoid embarrassment I need to settle all the 195K. I am planning to run for Barangay captain next election and my name is dragging to this kind of harrashment. any advice is much appreciated.

By: she

she — Tue, 17 Apr 2012 18:04:40 +0000

sir ed at sir fritz,
im so happy nakita ko ang site na ito hoping na maliwanagan po ang isip ko ano ang tama at dapat gawin,kinasuhan kami ng bp22 sa lending company 18 checks worth 80t plus interest ito ay aabot ng 135t last 2008 pa ito,this time nakapagbayad na po ako 112t kaso tumawag ang lending na 100t plus pa raw utang,expected ko na po this year may matanggap na naman letter from mtc pasig,tama ba ginawa ko na instead na mag appear kami sa court tumawag na lng ako na magbayad 20t plus dahil sa cebu kami at nagtrabaho ako mahirap maka leave ,co maker lng po ako yong borrower nasa hongkong wala na balita,gusto ko pong manghingi ng amnesty na tama na po yong nabayad ko dahil nagloan pa naman ako para makabigay sa kanila.pwede ba kayong makausap sa phone?saan ang office nyo sa maynila?sana po matulungan nyo po ako sobrang hirap na po dawalang lending pa naman yon.hoping to hear your responce.God bless…

By: ed nabus

ed nabus — Fri, 13 Apr 2012 03:53:31 +0000

Hi april girl mas makakabuti kung harapin mo sila at ipakiusap ang kalagayan mo financially at mauunawaan ka nila.Mas mabuti ang nagtatapat sa katutuhanan kesa iiwasan mo ang katotohanan, protektado naman tayo ng batas lahat pero ang mga credit card companies ay ganun din.If we can not pay it in full pwede namang installment.To avoid any lawsuit which is more inconvenient to all of us dapat makipagusap ka sa kanila.Sabihin mo na talagang wala ka pa pera pambayad.
@Gracie kapag may court filing na ang case and u ignore the summon of course mag iissue yan ng warrant.Habang summon pa lang ang dumating sau pls do not ignore.Visit the court branch kung saan nakasampa ang case and explain why were u not able to settle ur cards.Bibigyan ka naman ng options na fair sau at fair din sa Banks.