a blog dedicated to support,uphold and maintain human dignity of Credit Card Defaulters
enjoy, sir. you deserve it.
sarap naman sir....
banker, enjoy your vacation! be stress free and just relax...
wow sarap naman.chill!!!!
Ingat po sa byahe and relax to the max!
Sir Banker, enjoy your vacation, and ingat rin po.
Ingat banker enjoy your vacation.Sa mga blogger, I have a question po ang NC Corporation ba eh isa ring collection agency ng HSBC. May tawag kasi ng tawag sa opis ayaw magpakilala taga NC corporation daw sympre ingat ingat bka kalaban...
hi banker,medyo hindi din po ako makatulog dahil sa tumawag saken kaninasa baranggay namin, nag iwan po ng number at sinabing po3 dela cruz daw po sya,nagulat ako at tinawagan ko yung number pinasa po ako sa number ng judge daw po sa makati,tawaga ko daw po kaagad para maayos yung case.pag tawag ko po sa judge pinatawag naman po ako sa ibang number at number daw po ng atty at dun ako makipag usap.pag tawag ko po dun tinanong ako kung pano ko daw nalaman yung number at tinanong yung buong name ko, after 2 hours tinawagan ulet ako dahil inaalam pa po daw yung kaso ko,pagtawag saken pinagbabayad po ako sa monday ng 10k. para daw po ma dismiss yung case ko.sabe nya may warrant of arest na daw po ako, at anytime pwede akong ipahuli. totoo po ba ito?natatakot po ako, at ayoko din po malaman ng family ko. balak ko po sana mag bayad ng 10k sa monday.pero nung nakapag basa po ako sa forum nyo nag iba na takbo ng isip ko..totoo po bang nag fifile ang PSBank ng warrant of arrest?may possibility po ba na bigla na lang akong hulihin ng pulis at ikulong dahil dun sa case?and pwede din po ba silang pumunta sa bahay at kumuha ng mga gamit para pambayad sa kanila?please help me naman po sa mag katanungan ko.. naiinis po ako kase baka tumawag ulit sa baranggayat kung ano anong sabihin doon..maraming salamat po. sana po may sagot po akong marinig,
@Ashley, By golly wow, it is a classic case of a scam (manloloko). What judge would stoop that low and actually call you up personally? You are even more important that ex president GMA! Anyway, no one and i mean no one ever gets arrested for non payment of debt. Barangay people are not suppose to be collectors. You can report the barangay captain or whoever to the mayor's office and am sure they will be scolded. Barangay captains do that coz they get a cut from the collections. Anyway, policemen and judges do not collect money. So, if you receive notice of that again, you can do two things: ignore it or call their bluff. Ask the policeman is badge number and what precinct he is assigned to. Then tell him/her that you will go over there YOURSELF and give yourself up. I wonder what reaction they will have. For one thing, it is not policeman doing that.
@Ashley, that being said, i will answer your questions one by one: 1) file ng psbank ng warrant of arrest? Answer NO WAY CAN PSBANK do that. Filing of warrant of arrest is done through the prosecutor's office or a judge. Besides you did not commit a criminal offense. Your case is a COLLECTION CASE. Collection-to collect money. That is all. And if ever they bring it to court, it is a civil case. If you have no money to pay, they can't force you to pay. 2)biglang huhulihin? Hey that's kidnapping. They can't do that. 3)kumuha ng gamit? They can, but do you think that the bank will be interested in your stuff (gamit)? what your clothes? the bank wants CASH. They don't want assets that they have to sell. That's the last thing the bank wants. You know I also have credit card debts and i told the bank if i can't pay, will they accept a residential lot (the older people call it: dacion en pago-payment in kind). The bank said, "NO." So if they are not interested in a residential lot, how much more your own stuff? They are not even sure if you own them. They could be accused of stealing!
ingat sa byahe and enjoy your vacation sir banker.
Ingat Banker and Enjoy your vacation!
Hi, good day.. Im Oliver Munar. I just want to ask some advice kasi d na ako makatulog sa kakaisip. Nag co maker po kasi ako sa taong d ko kilala. Pero yung tao po na yun ay kakilala ng Loan Agent na kakilala ko. 1 day yung agent nag offer sa akin na kung gus2 ko daw co-maker bibigyan daw nila ako ng pera. Hindi ako pumayag ayoko kasi ng problema. Hindi sila tumigil, napilit nila ako and nangailanagn din kasi ako ng pera pang enroll ng anak ko. After 3 months ito na. May mga sulat nadumating sa akin. Na yung borrower daw ay hindi nakakabayad. So natakot ko kasi baka ako yung habulin. Yung borrower po ay isang OFW. D ko din alam kung saan sila hahanapin. nagtxt ako sa kanya na ayusin, oo daw. pero after a week ito na naman. may pulis na nagpunta sa amin. na ako daw ang mananagot pag d nabayaran yung utang. Nakausap ko yung Lawyer nila thru txt. sabi kung d daw maayos gagamitin daw yung Default. Pati ako daw mananagot. wala po akong pambayad sa ganuns utang. natatakot ako baka madamay ako, and magkaroon ng kaso.
@matikas-well nadamay ka na, but what they have is just a civil case not a criminal case. Just tell them you have no money. But legally you are liable. However, you might try certain legal techniques. 1)Ask them for the contract where you signed as co-maker; let them produce it. 2)Was it done in front of a notary public? If they can't produce the contract and if it was found that it was not properly notarized then you can deny that you are the co-maker or guarantor. My mom is the co-maker of my loans and she has to sign a lot of papers. And of course, it is notarized.
Your idea simply excellent failuretopaycreditcard.blogspot.com
to ashley....taga manila ka ba?meron din kasi ako psbank over 1 year na rin me cge pay...un nga lng na stop kc wla na me work
@Banker, enjoy your vacation.@ashleyhow would you know na pulis nga ung nag punta sa barangay nyo tska judge nga yung nakausap mo?isa lang sa mga taktics ng mga collector yan.wag ka maniwala jan. Defaulter din ako ng PS Bank for almost two years na ata. medyo pahinga mga caller ko kase wala din sila mapala sakin eh.wag ka magpakita ng takot, dame naman diskarte jan, if you want punta kasa link na to dame mag aadvise sayo.http://diskarteforum.niceboard.net/ @matikas visit mo din po yung link. :-)wolverine23
@ashleyyou have been duped!kahit ako pwedeng tumawag sa iyo o sa barangay mo at magpanggap na judge, pulis at attorney kaya wag basta maniniwala.kung may warrant of arrest ka, bakit ka pa nila tatawagan? e di tumakas ka lang. wag nang tatawag lalo ka lang nila tatakutin at sisingilin ka lang ng sobra sobra.
@matikassad to say pero co-maker is a suretyship agreement. meaning kung ano ang utang ng principal borrower, yun din ang utang ng co-maker at pwede ka ring habulin at kasuhan ng creditor may kakayahan mang magbayad ang principal borrower o wala.do you have a copy of the contract? basahin mo maigi kung anong liability mo as co-maker dun sa contract.
@jenniekelan ka matatapos sa payment mo? nababawas ba yung binabayad mo sa outstanding balance mo?
ashley, its a common collector practice.... dedma mo... prioritize your need...
Hello sir, What can you say about small claims court? Ibig sabihin ba na mas madali na para sa CA magfile ng kaso? Di po ba talo ang ordinaryong mamamayan kasi di allowed ang attorneys unless attorney ang plaintiff in which most CA's are law firms?
ashley, ang judge di nakikipag usap sa tel. ska di ka pag aksayahan panahon nun kung small time lng sinisingil nila hehehhe, mga CA talaga lng sila, wla na tuloy maniwala sa kanila,pero noon una din naloko ako ng molaer, as in atty kausap ko, cheap nga kasi pinipilit me mga pay even 3,500, baka kasi wla pang shopping, kasi wla siya cc, wag masyado magpapaniwala sa mg nanankot, kasi yung mga totoo,di masyado nagsasalita, wlang pananakot, pero summon na lng darating sayo, yan ang experience ko, kaya mas di ako niwla sa mga matatray at madakdak na ca, god bless lilipas din lahat
hi guys,thanks po sa mga advices nyo,nakahinga ako ng maluwag. buti na lang pala na research muna ko kung hindi nakapag bayad ako ng wala sa oras.. konting ipon ko naibayad ko pa.. salamat talaga.. halos matae ko sa takot nung may nagbigay saken ng number from barangay at may pinatawagan saken na number ng pulis, grabe wala kong idea na diskarte pala ng mga collectors pala yun. actually madami kame sa office na hindi nakakabayad ng PSBANK money card. almost 5yrs na. ngaun lang ulet nangulit saken..1. may possibility po ba na puntahan nila ko dito sa bahay at kuhanin ang mga gamit namin dito sa bahay?kinakatakot ko baka bigla silang pumunta dito at kuhanin yung mga gamit namin... may naka experience na po ba sa inyo ng mga ganon?salamat po. baka magpalit ako ng number kase nangungulit na naman sila,
ashley,di sila pwedeng basta basta na lang mangkuha ng gamit, walang nangyayari na ganun, pananakot lang yan.basahin mo to http://failuretopaycreditcard.blogspot.com/2008/07/bawal-pumasok.html
matikas,i made that mistake once, became co-maker for a friend. the financial company said that i am responsible now that the principal cannot pay. I owned up to my responsibility and i paid, but at my own terms. 15K daw ang utang, so i paid 500p every week tru their bank account: equitable bank at that time. kept all the receipts (deposit slips). I paid 500p every week until it got to be 15,000. one day tunawag and finance company tru my cel, and wanted to get proof of payment: can i fax my deposit slips. i answered, "that is too much work for me. check your own bank statments, and i am paying 15k and that's it." They said, "ah ok." never heard from them again. Another thing: you cannot be arrested for non payment of debt. None payment of debt (unless estafa, which is swindling and larceny) is a civil case. Another strategy is this: try to check your total amount due, and try to pay at your own leisure (i doubt though if banker will agree). So, if they call again and ask for money, at least you said you paid them something (even 100p) so you feel better that payment cannot be made demandable. I live in bacolod city and i have only 2 experiences with collectors and they were nice. One even got to be a friend, and (i even helped get a job for his dad). My experience with them is they will accept any amount that you give to them. Btw, all my payment was made tru the bank at my credit card number. I will never never (major major never), pay to a third party (law office) or collector (even with receipt). It has to be in the bank with the deposit slip, in the card number i was issued (that is if i wanna pay).
Ms. Hopeful, could you help me.eron kasing tawag ng tawag dito sa opis who'd like to talk to me from NC Corp. but I think it's a collection agent again. Ms. Villegas is the name. Do you heard about that collection agent using such NC Corporation.Thanks
jen,i think it is enzi corp.i heard a lot of themread thishttp://diskarteforum.niceboard.net/collector-s-conversation-f10/enzi-corp-t1352.htm?highlight=enzi
jen, if it is enzi corporation, that sounds like bankard or equitable? Wat was ur card? if your card is equitable, then it happened to may equitable card holders where the bank suddenly canceled the card coz it has migrated to bdo. If u fil u hab2pay it, then call them and make arrangements. pay only wat ur comfortable with and usually they will accept it. Oh yes, another banker states you must ask first for the SOA. That is a good practice. Tell them you will start paying only if you receive the SOA. Remember: pay only wat u think was right, and at ur own leisure. If u cannot make a payment for that month, just try gibing watever.. (treat it like the church, if u hab money, u put in the offertory, if none, te wala).
Ms. Hopeful, tnks that is enzi corporation na so meaning hsbc transfer my account to them.Ms. Sugarplanter: my card is HSBC, so they are another collecting agent, how is their attitude okay po ba na kausap sila, worry lang ako kasi baka mga bastos at alam mo na idemand ako sa amount na dko kayang bayaran at dko nman nagamit sa card ko.Thanks po!
Enzi Garrido Law Firm. . . .client nila ang First Gulf Bank sa Dubai. . . .ilang beses nila ako pinadalhan ng email. . .pero iisa lang ang sagot ko. . .my CC is insured with credit shields so wala akong dapat bayaran sa kanila FGBank due to loss of employment, insurance company (Oman Insurance) ang bahala sa CC card ko. . . .hayun nagsawa at siguro naiisip nila na wala silang mapapala sa akin at tumahimik at pinadala sa Dubai ang lahat na documents ko kasama na ang release/clearance paper from the bank bago ako lumabas ng UAE last year. . .basta wag mo lang silang tataguan, face them thats all!!!Cheers!!hapi bakasyon Mr. Banker!!!
hello support group:i would like to ask kung ano po ibig sabihin ng "investigation data form"? pinadalhan kasi ako ng tongyang..galing daw yun sa makati rtc dahil nagfile na sila ng case against me due to my failue to settle yung kulang ko sa loan which is around 4k...
Ms. Hopeful,Help naman po, isa lang po ang credit card ko and HSBC lang po iyon but how come na ngaun is 3 ang tumatawag sakin HSBC collections, enzi corp. and bumalik n nman ang molaer at nagdala ng letter sa haws namin.Ano po ang gagawin ko.
sir enjoy your vacation....
jen,maski ilang collection agencies pa yan, dedmahin mo lang , mabenta kasi ngayon ang ganung klaseng negosyo. if you cannot pay dont.naka register ka na ba sa forum?http://diskarteforum.niceboard.net/forum.htm
Ms. Hopeful,,Thanks again, laking tulong mo tlaga sakin. Hindi pa po ako nkapagparegister.Thanks,
hi Ms. Hopeful As ko lang if card holder defaulters can be sued under R.A. 8484? It's regarding my cc at PSBANK (they call it PSB Money card. The collectors are threatening me to file suit against me for violation of R.A. 8484... Please advise.GMAR
@GMARNope. RA8484 is for those who are faking the use of access device such as credit cards. I have PSBank Money Card too since 2008 pa ko default but I haven't been sued since then.If they are threatening you with suit then dare their bluff. Walang nakukulong sa utang.
Mhonski,thanks for the advice.... medyo nag worry lang kasi ako,,, GMAR
@GMAR,mhonski is right, tinatakot ka lang nila.
Gud am. po! Share ko lang po experience ko about Bankard & Collecting Agency. Before po Telan Law Office ang may hawak ng account ko, then ngaun Domingo Molaer na nangungulit sa kin. Nagpunta sila dito sa work ko , tapos nagpunta sa bahay, nung magpunta sa bahay ang pinapirma ba naman sa recieve letter eh ung 8 years old ko na anak. Then tumatawag dito sa opis nung una ang hinihingi na initial payment ay 30k, nung sumunod 15, then nong last eh 10k n lang. Sabi ko wala po ako ganung kalaking pera. Then ngaung umaga meron po nagtxt sa kin siguro sa kanila din galing, ang sabi kelangan ko n daw po i settele ang account ko sa Bankard dis October kung di daw po ay may masamang mangyayari. No po ba pwede ko gawin?
Lucy,Tinatakot ka lang para magkapera sila, ignore /dedma mo lang.
Hello Diskarte Team.I was about to start a good restful weekend when all of a sudden I received a phone call from an agent from HSBC Head Office. She said that HSBC has all the means to collect the outstanding amounts from me. And she also indicated that she is not threatening me at all. She was trying to offer me a payment program wherein there will be a fixed amortization for 2 years. BUT, before this can be applied for I need to pay a certain amount (here term was a reduced monthly amount) so that the application for the program can continue. Now I know this is merely just going to the penalties. But what got to me was the statement that "HSBC has all the power and means to collect the full amount once the cards are cancelled."But this person is from the bank. Not a collector coz she gave me the number of HSBC. And I verified that 9767199 is indeed an HSBC number.Any thoughts?
Ms. Hopeful, I would like to ask how can i change my username in diskarte forum po
jen,will change it for you, email me kung ano gusto mo na usernamemonchu,just ignore that, they are still collectors.read this http://diskarteforum.niceboard.net/diskarte-house-rules-and-faq-s-f1/paranoia-synopsis-answers-to-most-queries-t1603.htmhttp://diskarteforum.niceboard.net/diskarte-house-rules-and-faq-s-f1/the-golden-rules-on-credit-cards-paranoia-t5.htm
to dragon76: may bago pong agency na humhawak sa acct with HSBC ko ngayon dati molaer ngayon ADMIREX SOLUTION. Narinig nyo na po ba itong bagong agency na ito. Katulad din sya ng molaer bastos at masigasig tumawag?to cooldude& markang X:Ano po bang law office ang nagfile ng case sa inyo para sa citibank? meron din po ako citibank pinadalhan na po ako ng final demand ng Saulog & de Leon Law office. 2 po kasi ang citibank ko less than 100k yung isa at 100k+ naman yung isa (inclusive of penalties & charges) pero below 100k lang po ang limt ko dun sa 2 cards lumaki na lang dahil sa interst at mga charges. mag 1 year na cya this december. Nagpafile po ba ng case ang Saulog de Leon Law office. Thanks po
Ms. Hopeful,I already send to you my request username.tnks.
anybody na naka encounter na sa REMPELLIO LAw OFC
ask ko lang,,, kung pupunta ba ako sa collection office ng citibank eentertain kaya nila ako,,, nadesisyunan na daw kasi ng court yung case ko.. 4 yers na kasi ako pinadadalhan ng mga filled documents as civil case#.... sa bahay although hindi naman ako ang personal na nag rereciv. tumawag ako sa citibank para mag inquire ng amnesty program, ang sabi sa akin dun na daw ako makipag usap sa law office, 260k na daw yung utang pero negotiable pa naman daw.. 115 yung talagang utang ko sa citibank
hi po magandang araw,Nais ko lang po ding ishare and experience ko with PSBank Money Card. Nagkautang po ako dun at umabot sa 90K ang bayarin ko. nalaman ko ito ng magulang ko dahil nagpadala ng sulat sa amin at mismong magulang ko pa ang nakatanggap.Dahil po sa ngyari at sa takot ko ay napilitan akong makipagusap sa PSBank Makati para maisettle ang utang ko. Bale nagpunta po ako mismo sa office nila. Naggawa po sila ng compromise agreement na need ko bayaran ang whole utang ko ng 2 installments. Bale po nakapagbayad naman ako ng 30K pero yung 2nd installment at diko na nbayaran dahil kinapos na po ako sa pera.Ask ko ang po kasi natatakot na ako. nakapagpirma po kasi ako sa compromise agreement nila dahil nga sa galit ng magulang ko. till now diko pa rin nababayran at umabot na sa 300K ang utang ko base sa huling sulat na pinadala nila na 3 kopya pa galing sa DOMINGO MOLAER LAW OFFICE. Ang nakalagay pong title ng sulat ay ADVISE NOT TO DISPOSE, SELL AND/OR TRANSFER PROPERTIES.Ang tanong ko po pwede ba nila akong kasuhan dahil sa compromise agreement na un e dina nga po ako nakabayad. Natatakot po talga ako, sana po mabigyan nyo ako ng advise ukol dito. Salamat po ng marami.
hindi, ang domingo molaer is known to harass people makasingil lang, sila ung makukulit at mga bastos na kolektor..deadmahin mo lng..kapag may ginawang mali sumbong mo sa BSP para mas marami silang complaint record.....usually collectors are highschool grads or ung mga taong mahina ang utak kaya hindi pumapasa sa matitinong company...ang bagsak nila sa mababang uri ng companya katulad ng DOMINGO MOLAER......
ms.scorpio totoo po ba n may warrant of arrest pag d nakakabayad sa utang?may personal loan po kc ako sa china trust kaso d n ako nakakabyad..nw may nakapagsabi sa akin n may warrant of arrest n daw po ako kc n ako nakakabayad ng utang...totoo po b un?
BP 22 has been decriminalized.isa pa, read this :http://failuretopaycreditcard.blogspot.com/2010/03/china-trust.html
Dear Banker,Magandang araw po. Gusto ko pa itanong at eclarify kung ano talaga ang law ng UAE. May credit card po ako worth 21k sa RAKBANK and Loan po sa ADCB. Sa condition ko na nagkasakit ay nag resign po ako sa work at di ko na ininform yung bank kasi baka e-force nila ako magbayad na walang wala po akong pera pambayad. Kesa makulong sa Abu Dhabi ay minabuti ko po na umuwi sa pilipinas. Tumatawag at nag eemail sken yung BILKISH Associates from Davao na if di daw ako magbayad within 15 days ay they will go for the legal proceedings and meron daw ako GLOBAL TRAVEL Ban kasi may criminal case daw ako dun sa UAE. Yung di pagbabayad ng utang ay criminal case sa UAE. Ang tanong ko po ay totoo ba na pwede ang Abu Dhabi mag file ng criminal case sa akin at mag impose ng Global Travel Ban? Pwede ba ako ma hold sa airport immigration nang pilipinas at europe in case na pumunta ako sa europe kapag bumuti na yung kondisyon ko? Di ko naman sila tatakbuhan sa responsibilidad ko, babayaran ko sila pag ako ay may nahanap na panibagong work. Sana po ay mabigyan nyo ako ng explanation para maliwanagan po ang isip ko.Thank you po banker at sa lahat.
Dyna,BILKISH is known to fool many OFWs with lies.marami-rami na rin silang naloko.the answer is N O
Hi Banker,Thank you po sa reply ninyo.Ibig sabihin ba nito ay wala akong Global Travel Ban at makakapunta ako kung saan man lugar ako gusto pumunta in case may job offer ako. Inaantay ko po kasi yung europe job offer ko at takot ako kasi during the interview with the embassy is sinabi nila na it will take time pa yung visa ko kasi may security check pa daw as part of the procedure para magkavisa.Just in case banker matuloy ako sa europe at mag stop over sa abu dhabi (let say 3 hrs) may posibilidad ba na mahuli ako ng immigration police/officer sa abu dhabi?Clarification lang po.Salamat uli sa pag titiyaga mo sa mga tanong ko. God bless po.
dyna,ang mga collectors ay mahilig magpa-porma:- we will have GLOBAL BAN- we will have manhaunt operations against you.OVER.si Ping Lacson nga, hinde mahuli-huli. :))you are free to travel.wag lang sa Dubai, KAHIT mag-transit lang.that's all.remember: wag maniwala sa collector kung ayaw mo maloko.
ba't kasi nagkaroon pa ng collection agencies dito sa pinas, kung wala sila wala naman magiging problema, nangyayari tuloy pilipino na kababayan mo pa ang magdidiin sa 'yo para lumala ang problema mo, haaay...
help. hangang kelan ba titigil ang mga kolektor na Bilkish? Nag email pa sila sa "information" page ng website ng bagong opisina. nagulat ako dahil nahanap nila ang bagong opisina ko... sa palagay ko ay na "google" nila ako at lumabas ang LinkdIn account ko!
tama po isa yan,ingat kau sa mga social networking sites kasi dun nila kinukuha yan,dahil sa advance ng technology ngayon madali tayong matrace sa mga info rin nabinibigay natin,iadjust mo ang frivacy setting ng acct. mo,hayaan mo silang tumawag ng tumawag para d boring life mo hehe lagi ka may kausap,nakakapagbigay ka p ng trabaho sa kanila heheheFebby
Hello Banker! My husband died 4 yrs ago and he left me BPI credit card debt of P60,000 .At the time of his death we had existing carloan in BPI also , I decided to sell the car and explain to them that is intended for my child education. And they subpoenaed us in the name of Estate of so n so. Is that a valid name for us to pay them? I faced them in court and gave a decision to pay 5 yrs amounting to P255,000 staggered. after almost 4 yrs now i neglected to pay them exactly coz I'm jobless and had no income and already 53 yrs. old. I'm so paranoid of this. The sheriff arrived demanding me to pay. Can they get my property? This is my only house. Please help!
anonymous, state a name so we can properly address you. you should have consulted a lawyer before when your hubby died, and you didn't have to pay for his bpi card. who subpoenaed you? Anyway, at this point it is best to seek legal advice. I feel the whole thing could be renegotiated and i dare say you may not even have to pay a cent.
Banker,ask ko lang po yung email address ninyo. Kailangan ko tulong nyo, regarding my credit card. salamat po.
Thanks to this blog site. Sobrang helpful sa tulad nating mga me problem with CC.Just to share, last week merong pumunta sa bahay ng 9am. they are from east west bank daw. meron daw offer ang in-house financing nila regarding my CC. They gave me a number na tatawag daw (531 0592, Alvin de Leon) pero until now, wala naman ako natanggap na tawag from them.Then this afternoon, I receive a call from RS Santos Law Firm regarding my Citibank CC. Pinagbabayad ako ng 140k to settle the account daw. Sabi ko, wala akong pera na extra. Nag-offer din siya ng installment, 2k raw monthly and need to pay this coming friday. Sabi ko, tingnan ko kung meron ako extra. sabi niya, nagbabayad daw ang citibank ng attorney's fee monthly.. napangiti na lang ako :)
hi. this is andy. just want to relate my experience with citibank. kc may law firm din sa aking tumatawag but not rs santos law firm. after non payment for so long, nagkaron kami ng agreement na i have to pay the bank 4,500.00/mo. siguro umabot naman ako ng ilang bwan din ng kababayad until such time na nasagad na talaga ako at hindi na makabayad. lumipas ang mga months. tumawag ulit sa akin ang law firm instructing me to pay what was agreed upon. i told them that i cannot pay anymore kc wala akong perang pambayad. kulitan month after month. hanggang sa two thousand nalang ang binababayaran nila sa akin. pero talagang sagad to the bones na ako. ang nakakatuwa pwede palang liitan ang monthly payment na sabi nila nuon eh hanggang four thousand five hundred lang ang pwede nilang ibigay sa akin buwan buwan. although may natatangap parin naman akong monthly SOA at nakikita ko duon ung mga payments ko monthly before na pumalya na ako.
@anonymous,Tama ka and make sure pag mag apply ka Hindi affiliated sa bilkishOutsourcing company yan,the time mag submit kanang CV mo,kuha yung info mo.so ingat
Banker, enjoy po at ingat! - Mariz
Hello Banker. Thanks to your blog I realize I am not alone in dealing with cc woes. In the last few months I failed to pay the minimum due of my cc but have not stop making payments. Last month when the bank notified me that my account is scheduled to be transferred to the collection agency I wrote them to tell them that I can only afford to pay what I am paying now. They said they could not help me because I needed to pay more before they can make a proper review. Today I received a final demand letter from the collecting agency signed by a lawyer representing "the firm". I guess I will just continue paying whatever I can and should they decide to pursue this legally (for real) then I will have copies of payments I have made to show the court. Is this a good idea to just continue paying what I told the bank in my letter I will? I was thinking that this will show my sincere desire to settle my account. I really want to know what you think banker. Thanks again.
if you feel comfortable with that then go on but the thing is, your account will not stop incurring interest. suggestion lang, ipunin mo na lang yan then someday, negotiate and have a good bargain.
thank you so much sa advices mo knina sir dragon76. thank you for accommodating my call and answering all my questions po knina.
Hi Banker! Your blog is really helpful ha! share ko lang ang personal experience ko with CC collectors, I have 2 CC one is HSBC and the other is METROBANK, syempre walang tigil ang calls nila sa akin until one day somebody from Atty. Reyes' law firm went to our house last June at around 9am and delivered a demand letter asking me to pay a certain amount, I was so ashamed though wala naman nakarinig beside me but thinking what if may nakarinig bida? He asked me why I cannot pay for it, told him that I am currently unemployed, and have nothing to pay for it, I was only volunteering in an NGO and was only receiving operational allowance, he was telling me why didn't I work, I told him I can't I just had a baby and would like to spend quality time with him. Then he asked me why I didn't apply for an arrangement, I told him there is nothing I can pay for the arrangement right now and I've talked to somebody from their office how much I can only afford to pay but they won't accept it. Then he asked me what my husband's reaction to this and if he could help me pay for it, I told him he cannot do anything about it since it's my personal obligation, until he asked me where I volunteer, I told him that I volunteer in a women NGO looks like he knew the organization and he knew what I can do to fight. Until then they never contacted me. Now my problem is METROBANK collectors, somebody texted me this: Attention: METROBANK is conducting an investigation thru the help of ur BRGY. Summon demand letter to be served. Only your payment will hold sending SUMMON letter call (02) 804-0163 F.Y.I.I had this card since 2005 back when I was in college, I had this due to my savings, I was able to sustain payment, actually there where times that I had been delinquent for months but whenever I have money I pay for it sometimes nga in 5 digits pa. Now I can no longer pay it since I really have nothing, I have been unemployed after I gave birth, my business was unsuccessful. I have no property. what can I do to prevent them from coming to my house again and also what can I do to prevent them coordinating with the brgy? Will they file a case if I do not answer their calls? I am just a tenant in our place and I know that they are just threatening me. Also the barangay probably do not know me since our barangay is a really large barangay, are they really this desperate? hope you enlighten me thanx!-women activist-
women activist, for a woman activist you are might be well aware that barangay officials have no right being collectors. If you have nothing to pay; then don't pay. We are guaranteed non imprisonment of debt if you can't pay. What to prevent them from coming to your house? You can't prevent them, but you don't have to entertain them? What's the worse thing that can happen? It goes to court. If it goes to court, you lose you you do have debt. But the court will slash out the exorbitant interest fees (cut it to 12% per annum). but if you have nothing to pay and no properties, they can't get anything from you, then they can't anything. They cannot garnish your family home. But for them to win, they will have to undergo a lot of procedures in the courts, that i doubt if the bank will be interested.
gud pm po. ask ko lang po, Summon o Summons? address po sa amin mag-asawa vs bpi. i pay bpi monthly even under minimum paymeny due at reflected po sa billing statement na dumadating sa akin monthly un payment, me thank you pa nga po e. if this is so, wala akong case vs. bpi? lahat fake lang? thanks po sa lahat and God Bless po.
bpi, files cases so that they can claim against the insurance. Most likely your card has been cancelled.You may wish to appear at the hearing or not. If you don't appear the court will grant everything wat bpi wants. However, if you have no assets, and no extra cash for you to pay the, then don't pay them. there is nothing legally possible they can do if you can't pay them.
according to my sources nira write off na ng bpi ang uncollectibles kung talagang hindi na makakasingil. mas matipid kesa mag hire pa ng lawyer or idaan sa isang collecting agency.
veronica,every company can do "write offs" but not everything can be approved by bir by instant lalo na pag malaki na ang amount.
Thanks po planter.i found out po na fake un nagpunta sa bahay at nagpadala ng summons daw. dahil si cj davide pa ang nakapirma sa id nya, sheriff daw po sya. i learned from banker that sheriffs dont deliver summons. gawa gawa lang po un ng saulog. does it mean that bpi is not taking action against us? thank you po uli.
nagpadala ng summons daw? so did you get it? If it was all a "fake" then the person "serving" you the summons is in deep shit as he can be charged with impersonating an officer. If no one received the summons it goes back to the courts. Usually judges archive it. They may try to summon you again in around 30-60days but that is if you have a "busybody" judge. Usually,specially in Manila, judges don't like to be hassled with these "collection cases" (too low for their intelligence and stature)that they don't just leave it as archived. And remember, win or lose, it is just a collection case. From a point of view of a child, "nagsumbong" lang a credit card company sa judge, judge agreed that you have a debt to them (you never denied) it, and you must pay (well tell me something I don't know). That's all the courts are just saying. Now if the banks want to pursue the matter further, then they will have to undergo another set of litigation for the garnishment of your properties. Garnishment means that they have to research on your real property. (Can you imagine the work they have to do). then the sheriff in Makati (if i guess right) will have to coordinate with the sheriffs in other province..... (see that hassle?
hi banker! andy again. is it true na naka insure ang mga credits cards so just in case na hindi makabayad ang isang holder eh makakakuha ang bank thru insurance. nakakapagtaka lang kc. like in my case, 60k ang credit limit ng credit card. since hindi ako nakakabayan ng for so long eh nagkaron na ito ng sang damakmak na interest, surcharges, penalties and so on and so forth. and yet kayang ibaba ng collecting agency ang amount na babayaran ko to only php19,980. which means nawala ng ang patong patong na penalties and naibaba pa sa original credit limit ko. ano pa ang tinubo ng bank? syempre may commission pa ang collection agency. so talagang pwede ng hindi magbayad kc kung nakahulog ako sa partial eh tubo tubo na duon ang bank kc nga may insurance ng nakubra tapos may nasingil pa.
insurance on credit cards usually takes effect when the cc holder dies. kaya tayo inaalok ng ganun kababang amount for some reasons like 1. niloloko lang tayo kasi pagkabayad natin, bigla tayong tatawagan at sasabihin kulang yung bayad natin, saka na lang natin malalaman na downpayment lang pala yun or 2. written off na ang account and whatever they collect is just known as other income na lang ng bank.
ah un pala un. pero hindi naman nangyari sa akin ung number 1 na nabanggit mo. as per our agreement, after 15 days of my full settlement amounting to 19k plus, they issued a certificate of full payment. thank you so much.
sir planter, if at the start the person is fake, everything else follows as fake documents? thanks po uli
kung sa simula pa lang, wala ng credibility ang kausap mo, magtititwala ka pa ba?
Not sure if any of you have come across Dateline NBC's investigative report regarding credit cards and collectors in the US. Though foreign in perspective, many of us can identify with the victims of collectors in the US. Evil men are the same everywhere. The multinational banks are out for profit period.Here is the link to the first of 10 parts:http://www.youtube.com/watch?v=Ile5gOboEF4When you access this, the other 9 parts will be shown too.Hope you find the series as enlightening and encouraging the way I did. Lastly, thank you for this blog. I hope all victims can unite to put these victimizers in the right place.
Very enlightening, I was shocked by the video.This collection agency used brute force, threat, intimidation, etc. to collect the money you own from your creditors.Thanks for the video.
Good Morning Banker! Please help me on this one. My boyfriend was unable to settle his obligation to Metrobank and now he received a txt message saying that "People's Journal" a publication has received a paid advertisement (notice to the public) regarding the Estafa case that will be filed against him. And he was advised to contact a certain number before 1 pm today. Will really appreciate your advsie on these one. Or if there may be someone reading your blog and experienced the same thing, I hope you can share it with us. Thank you!-Chacha
luma na yan. tell those who want to publish it to go ahead. they wont do it kasi pwede mo silang balikan ng demanda t siguradong panalo ka
Chacha,estafa case is a criminal offense. The case, if ever filed will always be a collection case. A collection case is a civil case. An estafa case will have to undergo a preliminary investigation at the prosecutor's office to find out if their is just cause. Now, just think about it, would the prosecutor really want to pursue an estafa case against your bf when what is presented is just a collection case? Prosecutors are very busy, lots of cases, they won't waste their time on a case of your bf which is just a sum of money. Publish your name? that might cost them zillions of pesos because they would have to publish zillions of other names too...
addendum: estafa case published in the newspaper? The paper won't accept it unless it has been docketed in the courts, and not when it is under preliminary investigation. And even that i wonder if the paper will accept it because he is still considered innocent until proven guilty. Like what dragon76 would say, "lumang style yan."
watch this in youtube: beat the banks legaly and lawfully - 4 parts
pls watch this, these videos will explain alot about what happens with our debt,will show about debt collectors on their illegal and harassment tactics to get money from debtor that were actually sued, pwedi natin idemanda mga collection company. http://www.youtube.com/watch?v=Ile5gOboEF4http://www.youtube.com/watch?v=JBAZlO6TfjY&feature=relmfuhttp://www.youtube.com/watch?v=1-LJ_NqnC3E&feature=relmfuhttp://www.youtube.com/watch?v=VqD0BD6E1sg&feature=relmfuhttp://www.youtube.com/watch?v=ipvpfJ9ty0Y&feature=relmfuhttp://www.youtube.com/watch?v=eWDis8T5mu8&feature=relmfuhttp://www.youtube.com/watch?v=JEKZyjBCi-U&feature=relmfuhttp://www.youtube.com/watch?v=fu4G45D_N6A&feature=relmfuhttp://www.youtube.com/watch?v=M8XsT8_0xeo&feature=relmfuhttp://www.youtube.com/watch?v=qXUXxM5XujE&feature=relmfu
there will an EB on august 25, so to those who are free, join us. text/call me for details 090178261209
Good day po... kaninang umaga po around 7:30 morning may dumating po samin bahay na hhinahanap po ako para i pa received po yong letter na galing po sa Molaer & Dela serna law offices naka staple lang po yong letter. sabi po ng mr. ronnie dela soledad maniningil po sya on behalf ng hsbc. Tapos tinanong nya sakin kong kanino daw po yong motor nanakaparada sa harap po ng bahay namin....tapos ko kinuha nya yong plate number ng motor... sabi po nya nakarecord na daw po yon sa kanila. Kong tutuusin po nasa 20k na lang po ang babyaran ko.... lumaki na lang po ng luamki kasi po ilan buwan na akong di po nakakabigay ng minimum amount.... and mali naman po yong niligay nilang amount don sa nareceived kong bill ngayon.yong letter pong na received ko ito po ang contentDate: 7/6/12Mr/Ms;Balance:Php 75, 746.04 (ang amount po na ito hand written po)Promo : 42, 847.20 Valid until 7/25/12Please be informed that we personally visited you today, relative to your unpaid obligation w/ our client, HSBC, in order to personally meet you and discuss the settlement-possibility of your unpaid HSBC accountability. in the meantime, we have personally assessed your properties( real and/or personal) and find the same as sufficient proof of your financial capacity to pay, hence our reason to recommend to our client, the filing of the necessary and appropriate case in our court against you and your spouse, if any.in the meantime, we are giving you two (2) days from today for you to negotiate with us for the settlement of your said account. otherwise, we will file the necessary complaint in court against you and your spouse, if married, as mandatory party-defendant, under RULE 3 Section 4 of the new rules of Court, in order to recover what you owe to our client, without further notice.for settlement, please contact mr. ronnie dela soledad of litigation department at tel. 474-8793/471-2375 or company mobile number 0906-5616034 or email us at firstname.lastname@example.org officersigned.anong pong gagawin ko. paulit ulit na lang po sila pumupunta dito sa work ko and pagkatapos po sa bahay.... sabi ko po naman sa last na nakausap ko sa hsbc nagbabayad naman po ako... kong pwedi po bigyan na lang nila ako ng minimum amount na makakaya kong bayaran.... pls po kailangan ko po ngayon ang tulong ninyo ano po ang gagawin ko...
Ivy,wag kang maniwala sa gung2 na RONNIE DE la SOLEDAD na yan sbihin mo bka ikaw kmo ickorte ko sa panghaharas mo,sobra sigurong gipit kaya kahit 7:30 ng umaga naniningil,dare mo pananakot nila na magsampa demanda,sa sunod n pumunta humanda ka dos por dos pilayin mo hehe,nakikita cguro kasi na takot ka kaya ganyan ginagawa.Febby
ganyan tlga yang DMLO...aga-aga papareceived sa yo ung basura nila...nangyari na rin sa akin yan ..nakaputi pang van kc malayo sa amin...tiyaga nila sa isang buwan 3 beses pumunta weekly...pati sa e-mail makulit... ginawan ko ng complaint letter sa BSP... gawin mo rin para marami silang records of violation...ng maglaho ng yang walang kwentang kumpanya na yan...
Thank you po sa tulong at sa mga sinabi ninyo... maraming salamat po talaga...
Do we have the latest bill of rights for credit card holders? Is the Bangko Central circular 454 the only regulations regarding rights of credit card holders? Can we have the links or any laws passed regarding credit card holders rights. As of now, some Law firm collectors are still practicing harassment and misrepresentation in attempting to collect. case in point, a letter published by ms. Ivy. makarma sana sila. Thanks and Best regards.
Banker ask ko lang po kung pwede ako mkasuhan sa pinirmahan kong agreement sa collector. naka saad don na kelangan ko bayaran ung 31,000(discounted) until august 15. kapag diko po ba nabayaran sa 15th pwede ako kasuhan?.. nag aalala po ako.thanks in advance
They can, but 99% i bet they won't. Why? the case might will be more expensive than 32K. and they won't even be sure that they can collect. As much as possible they don't want to bring it to court as it is more HASSLE FOR THEM than for you. 31K is too small for them to bother. Me,my outstanding is in the 6 digit area, they haven't bothered with me yet. And even if they did, it would be very difficult for them to collect.
Thank you po. anyway, naalala ko po no nakasaad din sa agreement na ako mag so-shoulder ng attorneys fees in case it will be brought to court.. di po kaya gawin nila dahil ako ang magbabayad?.. salamat po uli..
Ask ko lng po... My mga defaulted cc ksi ako, actually hindi na binibigay ng mama ko ang letters sa akin kc alm nya na hindi maganda ang nakalagay :). Ni hindi ko nga alm kng may nagfile na ng case, tutal wala nman akong ibabayad. Then the other day, my mother in law said may lupa daw na ibibigay sa husband ko at ipapatitulo na nila. Actually I dont know what the value of the land is and how big it is, but I am guessing it is not that big. My question po, kung may nagfile na ng case against me, pwede ba nilang makuha yun? Thank you.Tek
ask ko lang po kung gaano ba katagal yung result from MTC kapag naisubmit na yung case ng collection of sum of money na ipinile sa friend ko?someone file that case to him and nagkaroon na rin sila ng twice hearing sa MTC.Gusto nyang makipagkasundo sa complainant na kahit hulugan na lang hanggang sa mabayaran yung almost 70k nyang utang at para iurong rin yung demanda. sa ganung estado hindi na ba cya makakakuhan ng nbi ?. ano kaya ang posibleng resulta?pwede kaya siyang makulong kung hindi cya makatupad sa gustong mangyari ng korte?may work cya pero halos kulang pa nga para sa daily needs nila.please help nman oh. thank you. im just new here.
Hello Banker can I have your email address?
Hello Banker can I have your email address? I want to ask advice from you I am a CC defaulter also
magandang hapon po sir,matagal ko na pong gustong magtanong ng problema ko ,buti na lang po nakita ko yong site na ito,me utang po ako sa kapitbahay namin 5/6,12k po xa nakahulog na po ako ng 3k,dahil po sa sunod sunod na problema sa pamilya,nawalan na po ako ng pambayad,lagi po siyang nagpa2singil sa apo nia,naka hulog na ulit ako ng 1k,+ang problema ko po pag d po ko nagbigay naririnig ko po na minumura nia ako,kalapit lang po kami ng bahay,kagabi po pumunta xa mga 8:30 tulog na po ako sa anak ko po sinabi na ,ang laki laiki ng utang ng mama mo ,d pa makapagbayad.ano po ba yong gagawin ko pag ipa baranggay nia po ako.