Wednesday, March 16, 2011

Bilkish



Bilkish is a financial call center owned by an Indian.
walang business permit po ito galing BSP.
(they call their collectors "Junior Bank Managers"
>:)

They handle mostly OFW accounts.
http://www.jobstreet.com.ph/jobs/2008/9/default/20/1973660.htm?fr=J

Coming in second is ENZI
ENZI Corporation is one of the call centers/telemarketing collection services company in the Philippines.
http://www.callcenterdirectory.net/call-center-companies/ENZI-Corporation-730.html


my score card:
"filing" a case - zero
"world-wide" travel ban - zero
"deportation" - zero
"hold departure" - zero
"imprisonment" - zero
"NBI/INTERPOL/GCC - zero
demand letter signed by Bilkish Jr. Bank Manager - minus 10 !

211 comments:

  1. pede po ba kayo share ng strategies ng enzicorp kung pano sila maningil at pano ihandle yung strategies nila? enzicorp yung pangalawang collection agency ko. yung sa dati, hindi nila ako masyadong kinalampag about my hsbc credit card. kaya i need to be prepare with this collection agency. hindi na ko napaparanoid regarding CA upon subscribing to this blog. maraming salamat sa inputs.

    jeff

    ReplyDelete
  2. hello banker and the rest of diskarte team!

    Ask ko lang po if delinquent or non payment of monthly dues for bank loans like in citibank savings or citifinancials eh possible po ba na ma-file ng criminal case for breach of contract? i did not issue pdc but of course i signed an agreement...pwede po ba yun na maging grounds for a bank to file a criminal case against me?

    thanks po...

    ReplyDelete
  3. REPUBLIC ACT NO. 386
    AN ACT TO ORDAIN AND INSTITUTE
    THE CIVIL CODE OF THE PHILIPPINES

    BOOK IV
    OBLIGATIONS AND CONTRACTS

    ReplyDelete
  4. thanks for your reply banker...pero sorry po i'm not good at interpreting the wordings about laws...pwede po ba paki-explain in layman's term?

    at sk meron po na-mention dun na kpg paid na yung principal pwede na po nde habulin ng creditor yung interest tama po ba?

    ReplyDelete
  5. Collection through intimidation and fear lang talaga way nila para maka quota.

    ReplyDelete
  6. sir banker can summarize the meaning of that Republic act no. 386 Book IV ? prang basa ko makakasuhan ka pag d k nagbayad ng Personal loan?

    ReplyDelete
  7. laws about Contracts are found in the Civil Code,
    kaya hinde po criminal yun if you did not follow what you agreed upon.

    any payments will be applied FIRST to interests bago ang principal. that is your agreement.

    ReplyDelete
  8. sonny,
    kung may kasunduan (contract) kayo at hinde ka tumupad, PUEDE mag-sampa ng kaso, or in layman's term, puede mag-reklamo yung inutangan mo na hinde ka nag-bayad.

    ReplyDelete
  9. i have HSBC Personal loan kasi po, and dumating time after paying correctly for more than 1year na fail ako to pay 2 months.. please give me advise, actualy i can see is kapos tlga ako due to nagkafamily ako at lumaki expenses. Is this same with the credit card na pag n default ka they thus closed your account and bank not will sue me? thus the collectors?

    Thank you very much sir..

    ReplyDelete
  10. there is no single answer here.
    the bank can sue you AT THEIR OPTION.
    - meaning, they may or may not. depende. maybe its their policy today, but iba naman tomorrow.

    ReplyDelete
  11. Hi, Banker! Gusto ko sanang humingi ng payo sayo. Actually nakapag-post na ako dito before and naging matapang ako since then. Pero hindi pala tapang talaga ang na-feel ko, tapang-tapangan lang pala ako.

    Kasi, Banker, last January naka-receive ako ng Summons (Regular Procedure) CIVIL CASE for sum of money. Kailangan daw ako mag-appear and answer the plaintiff within 15 days. Hindi po ako nag-appear.

    February, nakareceive na naman ako Motion to Render Judgment naman. May schedule na March 5, hindi rin po ako nag-attend.

    Itong March po, naka-receive na naman ako Motion to Declare Defendant in Default scheduled on April 5.

    Banker, ano po ba ang ibig sabihin ng 3rd letter? Huhusgahan na po ba ako? Ninenerbiyos na po ako talaga. Ano po ba ang mangyayari at ano po ang dapat kong gawin? Wala po talaga akong pambayad ngayon at hindi ko alam kung kelan ako magkakaroon.

    BTW, yung 2nd and 3rd letter ay via registered mail pinadala. Yung first naman po ay dineliver dito ng isang lalaki na naka-barong pa.

    Thanks po, Banker, at sana mapayuhan po ninyo ako. GOD BLESS YOU...

    ELOISA

    ReplyDelete
  12. baliktad ata ang si attorney:

    1. declare ka muna "in default"
    2. bago mag-decision
    common sense, di ba? :))

    ENEWI,basa:
    http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.html

    ReplyDelete
  13. just want to share my experience ngayon. may dumating na sobre sakin from hsbc, i know billing statement lang yun. pinareceive sakin. may pinirmahan akong receiving copy. habang pinipirmahan ko yung receiving copy, yung lalaki sa labas, nagagalit na daw kasi ang tagal tagal na hindi pa binabayaran. gusto ko sanang puntahan sa labas kaso inisip ko na wag na lang para iwas gulo. courier lang sya kaya wala siyang karapatang magalit, mag inarte o mambastos lalo na dito sa office namin. sarap sapakin ng mga taong ganyan. kala mo kung sinong mayaman umasta. courier nga lang sila, meaning mas malaki pa sinasahod namin tapos ganyan sila umasta porke may credit card obligation kami? sa susunod, baka pagsabihan ko na pag nagpumilit pumasok sa desk ko.

    jeff

    ReplyDelete
  14. may nareceive ako kanina na letter from hsbc. alam kong billing statement yun pero nagtaka ako kung bat kelangan ko ng ireceive. dati rati naman eh hindi nila ginagawa yun. inabot sakin nung admin namin. pinirmahan ko. maya maya, sabi nung admin assistant, nagagalit na daw yung courier. kesyo ang tagal tagal na daw eh hindi pa binabayaran. eh sino ba siya para magreklamo ng ganun? courier lang siya, hindi siya ang bangko. pupuntahan ko sana sa labas para kausapin pero hindi ko na lang tinuloy para iwas gulo. may pinag aralan ako, sila baka wala. sa susunod na gawin nila yun, pagsasabihan ko na siguro. courier lang siya at alam naman naming dalawa kung sino mas mataas ang sahod. hindi porke may credit card obligations ang mga defaulter, gaganun ganunin na lang nila.

    jeff

    ReplyDelete
  15. Hi Banker. I read your reply about the impending doom my Metrobank savings account seems to face, and I agree with you about closing that account. Question ko lang po, may sense pa ba kung maghuhulog ako ng tig 1,000 every month or should they just wait for me to make big bucks? Mejo 150K na utang ko sa MB eh. Thanks again.

    ReplyDelete
  16. basa:
    http://failuretopaycreditcard.blogspot.com/2008/08/financial-marathon.html

    have a formal agreement first before you do anything.

    ReplyDelete
  17. Salamat po banker. Although I am willing to shell out 1,000 a month for them but then again, what's the use nga pala. Pero pag naging milyonaryo naman ako I really promise to pay them in cold cash. =D

    ReplyDelete
  18. Banker, Eloisa po ulit.

    Chineck ko ulit yung sequence ng padala sa akin ng summons kasi baka nagkamali ako ng basa. Pero hindi ako nagkamali, tama yung pagkakasunod-sunod.

    Ibig mong sabihin, Banker, dapat nauna muna yung declare in default bago yung render judgment? Ibig bang sabihin, Banker, nagkamali lang sila or nanloloko lang sila or tatanga-tanga sila or all of the above?

    Ang question ko lang, Banker, ay kung meron ba o wala akong dapat ikanerbiyos?

    Thank you po ulit ng marami, Banker, and GOD BLESS you always.....

    Eloisa

    ReplyDelete
    Replies
    1. eloisa,,, ano updates sa case na ito? same thing sa akin... kaso im not sure kung may letter talaga napdala pero nagtext sa akina ng puregold may schedule daw ako ng hearing. wala ako time to attend at hindi ako pwede mag absent sa work dahil trainee pa ako. at wala ako pambayad... ano next move nila after mo hindi nag appear sa mga hearings? thanks!

      Delete
  19. basa:
    http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.html

    ReplyDelete
  20. question lang po...
    yung scorecard na binigay nyo about bilkish. Ibig po ba sabihin ay hindi nila kayang gawin lahat yun? yung mag file na case at iba pa...

    They handle mostly OFW accounts.
    my score card:
    "filing" a case - zero
    "world-wide" travel ban - zero
    "deportation" - zero
    "hold departure" - zero
    "imprisonment" - zero
    "NBI/INTERPOL/GCC - zero
    demand letter signed by Bilkish Jr. Bank Manager - minus 10 !

    ReplyDelete
  21. helo banker,

    MAGANDANG ARAW PO SA INYO ASK KO LANG PO SANA ITONG MALAKING PROBLEMA KO,MATAGAL NA AKO DI MAKATULOG NG MAAYOS..

    ASK KO LANG PO, KUNG MAY CONNECTING FLIGHT PO BA AKO SA UAE,PAPUNTANG IBANG BANSA LIKE SPAIN MAHOHOLD PO BA AKO SA IMMIGRATION NILA PAG MAY NAIWAN PA AKONG UTANG SA DUBAI NUN MGA MGA NAKARAAN TAON, NAPAUWE KASI AKO NG WALA SA ORAS KASI NGKAROON NG PROBLEMA SA TRABAHO KO MULA NOON DI NA AKO NAKABAYAD HANGGANG SA NGPASYA NA AKONG UMUWE SA PILIPINAS NGAYON PAPUNTA NA AKONG SPAIN,MAHOHOLD BA AKO SA DUBAI KAHIT CONNECTING FLIGHT LANG AKO?..KASI YUN SABI NG AGENCY STOP OVER DW PO AKO SA DUBAI AT ANU PO BA MAGANDA KONG GAWIN..PLEASE HELP ME..


    THANKYOU SO MUCH HINTAYIN KO PO REPLY NYO PKIUSAP

    -JOEY

    ReplyDelete
  22. JOEY, GOING TO DUBAI WHETHER TO WORK OR JUST A STOP OVER IF YOU HAVE UTANG THERE IS NO GUARANTEE NA DI KA MA HOLD. PUEDE KA NAMAN MAG TRANSIT SA TOKYO OR LONDON HANAP KA NA LANG IBANG ROUTE OR AIRLINES.

    BTW, PLEASE DONT TYPE IN CAPITAL LETTERS. ITS INTERNET COURTESY.
    :D

    ReplyDelete
  23. hello banker,

    thankyou so much banker, at naliwanagan po ako ,may ask din po ako banker..may nagpunta dito sa amin na taga bilkish daw since wala po ako sa amin nagkataon si nanay ko po ang nakausap nila, ang dami sinasabi sa nanay ko na makakasuhan daw ako ng police at nbi,at mahohold daw po ako sa immigration pag nagtangka daw po ako tumakas ng bansa, may kakayahan po ba sila na ihold ako?

    and anu po ba ang pwde ko ibuwelta sa kanila kung saka-sakali na bumalik sila dahil pakiramdam ko sinisindak nila nanay ko tapos ngmumura pa daw sa labas ng bakuran namin.may karapatan po ba kami na ipadampot sya dahil ngiiskandalo na sya at may ksama pang mura,

    pati nanay ko po takot na takot, ako naman po natatakot para sa nanay ko kasi may sakit sya sa puso baka atakihin sya dahil sa bastos na collector na yun po,

    help me banker, ang laki ng pagsisisi ko po talaga aminado naman po ako na nagkautang ako sa cc, kaso nagkataon na nagkaproblema ako sa trabaho dahil hindi ko na po matagalan ang pamamalakad ng pinuno namin hindi makatao kaya sapilitan ako nagresign kagad at nagpasya na lang ako umuwe kaysa manatili pa sa dubai at maghanap ule ng trabaho,natakot din po ako na baka pg nagtagal pa ako dun baka makulong pa ako, ayaw ko naman mangyari yun banker ako lang po inaasahan ng pamilya ko wiling naman po ako magsettle ng account pag nakapagtrabaho na po ako,kaso ito nga po nangyari mas malaki pa sa magiging problema po pala, tapos sapilitan pa nila sinasabe sa nanay ko na kukunin daw nila lahat ng pagaari ng mga magulang ko kasi anak daw nila ako at responsibilidad daw nila ako di ba wala naman po nagssabing batas na "ang utang ni juan ay utang din ni pedro?" bakit kelangn nla sbihin sa nanay ko po yun eh hndi ko naman napundar un kung anu man pagaari ng mga magulang ko sa sarili nilang pawis po un.

    sumosobra na po sila banker, kaso nagaalangan po ako na kasuhan sila sa gingawa nlang panggigipit dahil baka in the end, bumaliktad ang batas, alam nyo nmn po sa atin banker, ang api ang laging talo talaga..

    anu po ba ang pinakamainam ko gawin banker, tpos problemado pa po ako, pano ko po ipagtatapat sa agency ko ngayon na hindi po ako pwde dumaan ng uae, dahil dun po sa dahilan na yun dapat ko po ba sabihin sa kanila ang dahilan ko at baka sakali maunwaan nila ako o manatiling tahimik na lang bka kasi tanggalin nila ako pag sinabi ko un dahilan ko at di nila maunawaan:(

    pls help me banker..hope for your reply po

    - JOEY

    ReplyDelete
  24. joey,
    next time, hanapan mo ng authority galing banko(wala) yan. di ba FRAUD at swindling yan? hehehe...
    eto po:
    http://failuretopaycreditcard.blogspot.com/2010/11/matapang-na-collector.html

    ReplyDelete
    Replies
    1. banker ,

      same case po may sinend po ang bilkish na authority letter from bank na pinagkautangan ko abroad totoo po kya yun , pano ko po malalaman kung original copy yun kasi may header yun letter from bank??

      thank you in advance banker...

      jojo

      Delete
    2. call center agents filing a case?
      let's try it.
      lol!

      Delete
  25. maraming salamat po...

    banker napakalaking tulong po nyo sa akin, ngayon makakatulog na po ako ng mahimbing..maraming maraming salamat po sa advise nyo po sa akin sana marami pa po kau matulungan gaya ko na pakiramdam ay sobrang naapi na at ndedepress dahil sa mga ginagawa ng mga collector, maraming maraming salamat po ule

    more power to you en to your family at sa lahat ng mga bumubuo ng blog na ito po..godbless

    -JOEY

    ReplyDelete
  26. kng me debt ako sa dubai at nagwork ako sa abu dhabi madadale po ba ako? thanks

    ReplyDelete
  27. otzhen,
    http://failuretopaycreditcard.blogspot.com/2010/08/dubai-debts.html

    ReplyDelete
  28. click the link and take a lesson from it.

    http://www.interpol.int/public/data/wanted/notices/data/2007/87/2007_51287.asp

    ReplyDelete
  29. Thanks Mr. Collector.
    as usual, you are still telling LIES.
    NO BIG DEAL.
    the notice is about FRAUD,not Utang.
    two different things.
    :D

    National Bureau of Investigation director Magtanggol Gatdula is set to ask the International Criminal Police Organization (INTERPOL) to remove Senator Panfilo Lacson from its red notice list.
    http://www.gmanews.tv/story/215811/nation/nbi-to-seek-lacsons-removal-from-interpol-red-notice-list

    ReplyDelete
  30. hello po, recently lng po ako dumating ng dubai frm a year lost of job. Hindi me nakbayad sa mga card

    ReplyDelete
  31. hi Banker,

    pano po sir kung mismong legal office ng bank from abroad mismo ang tumawag? (most likely po kasi ibinigay ng bilkish ang contact number ko sa office)ganun pa rin po ba ang diskarte? just got a call from legal councel daw ng bank sa abu dhabi.

    appreciate your swift advise as always.


    thanks and regards,
    -vaughn-

    ReplyDelete
  32. Hi Mr. Banker,

    Isa din po akung OFW galing Dubai, last May 2009 umuwi aku pinas dahil hindi ku na mabayaran ang lahat ng utang ku dun CC's at bank loan sa Emirates Bank.
    Now po nag work na aku ulit d2 sa Pinas.Isang araw may dumating na collector sa haus namin from Bilkish at hinahanap aku. SAbi ng ate at nanay ku wala aku dun at hindi na aku nakatira dun. may kausap daw sa cellphone ung collector that time at sinsabi sa kausap na "tinatanggi ng nanay eh,wala daw D2." until now hindi na ulit bumalik after 3 times na nagpunta dun looking for me sa haus.
    gusto ku po ulit mag apply sa Qatar or sa Bahrain. Hindi ba aku makukulong dun dahil sa utang ku sa dubai?

    ReplyDelete
  33. the answer is N O
    http://failuretopaycreditcard.blogspot.com/2010/08/dubai-debts.html

    ReplyDelete
    Replies
    1. i seconded to mr. banker...the same case happend to my friend.

      Delete
  34. Mr.Banker,

    Good am,isa din po ako sa mga ofw n may naiwang utang or loan at credit card sa Qatar,last 2008 pa nung umalis ako dun,at dahil sa malaking promlemang financial di ko cla mabayaran,nandito na ako ngayon sa Australia with my wife,But starting this year nakatanggap ang parents ko ng letter sa Phils.from a firm name Excellent Credit Information Inc.stating na kelangan ko daw makipagnegotiate para sa term ng pagbabayad ko sa Qatar National Bank(QNB).Nag email ako sa kanila na gusto kong magbayad,kasama ng term ko kung papaanong installment,but after 3 months alang reply.Then kinontak ko directly ang QNB,hiningi nila ung the same n hiningi ng Excellent credit at after 3 months ala ring reply.This month nag email ako sa Credit Excellent para mag follow up,at sabi nila ang kaya lng nilang ibigay is a short term,Which is di ko kaya kase malaki talaga utang ko,ask ko cla kung policy b nila un or policy ng QNB,after that ala nang reply.
    Inimail ko QNB to follow up again pero ala paring reply,And last week may pumunta sa bahay ng parents ko galing sa Bilkish International naman,iba nanamang firm,pero may inooffer silang mas magaan n term ngaun pero nagdadalawang isip ako kung Legal b sila,nabasa ko ung nasa itaas n page pero gusto ko lng makasigurado.At kung magbayad ako sigurado kayang mawawala n ung utang ko sa QNB?Sabi nila kung mababayaran ko daw ung principal ng utang ko nang isahan eh ok n daw un kung aapprobahan ng QNB.At pag di ko daw nabayaran eh naka interpol n daw ako at may travel ban.Balak ko p naman sanang umuwi jan sa pinas ngaung september para sunduin n mga anak ko.Sa tingin mo ba Mr. Banker magkakaproblema ako sa Airport or immigration na i hold nila ako jan sa pinas at di n ako paalisin,kase nanghihinayang ako talaga sa work ko ngaun d2 sa Australia kaya natatakot akong sumugal na umuwi.
    Masisira lahat ng plano namin sa mga anak ko lalo n balak naming magapply ng permanent resident d2,pero isa sa mga requirements eh Police clearance galing sa qatar,kelangan daw un kace within 10 years daw n nagreside ako.Sana mapayuhan mo din ako di2 kung anung tamang diskate,Please Mr. banker tulong,natatakot lng ako para mga bata.Maraming Salamat

    ReplyDelete
    Replies
    1. Hi cmamacpa! PAreho tayo ng situation ngayon. pwede ko bang malaman kung anong development na nung case mo. Just few days ago tong bilkish eh! tumawag din sa akin after 4years kong di mabayaran ang loan ko sa asaudi arabia. NAndito din ako sa australia at yung concern mo, pareho tayo. Hope to hear from you.

      Delete
    2. start a new life there by learning from your experience.
      ( I hope Bilkish people will start looking for another job na marangal din)

      Delete
    3. Hi Banker!
      Nangungulit pa rin yung bilkish until yesterday. Sinabi ko na di na ako makikiapg deal sa kanila kasi mga scammer sila. Pero sinabi sa akin na ipapadala nalang daw nila yung case order. Ano po ba magagawa nila sa akin kung nandito nman ako sa australia at ang utang ko dati 4 years ago eh sa KSA which is not part of UAE. Tinawagan din namin yung bank sabi wala daw silang authorize debt collector sa philippines. Lease give me more advice with my problem.

      Delete
    4. 1. alam mo na scammer sila
      2. tinawagan mo ang bank at hinde sila authorize
      so ano problem mo doon?

      Delete
    5. Hi all,
      I had a loan with Saudi british bank similar to that of one of the customers above and I was also contacted by Bilkish at first I did not receive their mail as it went to my spam email. However, when i saw it I contacted them back and asked my wife to visit their office in manila. I did not listen to these, but what they told me was the case is filed by the bank and that was right, I had asked my sister who is still in KSA to visit the Bank and get the details and try for a settlement. The Bank offered me 15% discount. Anyway, Bilkish informed me that there was a case filed in Jeddah. I thought it was a scam. But it was true.. It’s not the Bilkish that files the case, its bank that files the case. Bilkish just informed me the details. I thought it would not make any difference as I was in US. But, the bank filed an Interpol case as informed by the immigration as I entering again. It took about 8 months since the time they told me that the bank had already moved a case. But it was there.
      You banker, you should check your facts first before you ask innocent people like me to do what you want. You know something, the bilkish offered me about 50% discount and I was a fool not to take it. I ended up paying a 175k SAR.
      If you don’t know something for sure, you should find out first and then give advice.

      Delete
  35. Mr. Banker its cmamacpapa any comment naman ba sa post ko last week?

    ReplyDelete
  36. Maramimg salamat po sa lahat ng kung sinosino man ang mga nagorganized ng blog na ito,lalong lalo n sau Mr. Banker,npakalaking tulong talaga ang mga ginagawa nyong advise sa mga tulad kung ofw n may problema sa bangko at sa iba pang kababayan natin.Maraming salamat sa mga info at knowledge na share nyo,more power...

    ReplyDelete
  37. good pm. good thing i found this by coincidence. i've read concerns of others and ours isn't that far fetched. my father have credit card issues in fgb in dubai. but the one handling this is bilkish. they've called my mom and threatened, harassed her over the phone. then my mom got sick so i took over and talked to them politely as i could. we also already had an agreement with fgb and proceeded with the payment according to their instructions. i thought it was already settled and they suddenly sent a court notification to my father with lots of loopholes. i did what my father told me and called the attorney but he sounded so surprised at my inquires.
    then the following day someone called me saying she was the secretary of the attorney but i recognize her voice though i didn't say anything about that. this attorney said we need to pay 30k dirham so they won't pursue the case and will talk to the vice president of fgb to negotiate. when he called me again the same day. he told me that the vice pres said that we'll be given options which my instinct found suspicious. and when i asked him what will happen if we can't raise that much amount he replied instantly that my father will go to prison.

    will my father really? even though we followed their instructions.

    because of personal reasons i can't reveal my name please call me K-I-D.

    i hope my question will be answered. thank you

    ReplyDelete
  38. we don't reply to anonymous queries. please have a name

    ReplyDelete
  39. kid,
    if your father is in the philippines already and out of dubai, then safe na say. pero kung sya ay nasa dubai pa, pwede nga syang makulong since may imprisonment and hinde pagbabayad ng utang doon.

    ReplyDelete
  40. he's not in any place near dubai and will be home na po. he won't even pass by dubai when he comes home.

    thank you very much for answering my query. i feel a bit relieved

    K-I-D

    ReplyDelete
  41. KID
    be relieved na wala naman na pala sa dubai ang dad mo. Ofcourse tatawagan at tatakutin pa kayo ng bilkish. all you have to do is dare them in suing para mabilis kayong tigilan. show no fear.

    ReplyDelete
  42. Glad to check it out before I replied to Bilkish.Akala mo kng sino maningil wla naman plang authority.Know what they did to me?They invited me as a friend in YM messenger then sent me an email.Very unprofessional dating kya nagduda ako.Anyway thanks for the info at mabuhay ang Pilipinas.

    ReplyDelete
  43. Hi banker,

    In relation dun sa query ni KID, sabi mo:

    "pwede nga syang makulong since may imprisonment and hinde pagbabayad ng utang doon. "

    Yung case ko is nakulong na ako for 1 month sa loan ko with RBS (now ADCB) ang alam ko nagfile nun is ung collections ng RBS. Nung matapos ung 1 month ko (Feb 2011), na release na ang passport ko at ang travel ban. Ngayon, itong Bilkish tinatawagan ako at pinuntahan ako sa office ng walang appointment, to give me my options to pay that loan of AED 44K. So sinabi ko bakit pa ako mag pay e I spent time in jail for that..

    Ang paliwanag is ung police case ko na yon is cleared na, pero they / the bank can still file a CIVIL case against me sa Dubai Court. Totoo ba ito? May na encounter ka na ba na kahit nakulong na, na release, tapos the bank through the collection agency OR the collection agency with the authority ng bank to further pursue a civil case for an outsanding loan?

    At may mga naririnig pa ako na usually ang banko di nag pupursue ng ganito kaliit na amount? mga nasa AED 100k daw ang pinag aaksayahan ng panahon at pera ng bangko para masingil.. hindi ako sure kung totoo ito..

    Ang akin lang, since I spent time in jail for this loan, bakit ko pa babayaran?? kung kelangan ko rin naman talga palang bayaran, sana nuon pa ni restructure na (ang gusto kasi nila nuon 1 time payment, discounted amount pero di ko kaya bayaran)..

    i really have a strong feeling that bilkish is just milking me for money.. na whatever ma collect nila is sa kanila mapupunta..

    pero just to be sure, nagtanong na rin ako sa yo Banker kasi may trabaho pa naman ako at ayaw ko yun ma compromise.. mahirap mag hanap ng work ngayon..

    i would really appreciate your advice..

    thank you :)

    ReplyDelete
  44. habibti
    kung andito ka na sa pinas at sinisingil ka ni bilkish, naghihingi lang yan ng early christmas bonus sa yo. hinde ka na pwedeng idemanda ng ng bangko mo from other countries kung andito ka na sa pinas

    ReplyDelete
  45. Ayun na nga, andito pa ako sa Dubai.....

    ReplyDelete
  46. habibti,
    igonore mo na lang si bilkish. andyan ka naman pala sa dubai ang you've served your punushment.

    ReplyDelete
    Replies
    1. Hi Habibti,

      When you were jailed in UAE you were only able to clear the legal aspect associated with your account and not the debt itself. This is also the same case for bouncing cheques, wherein if you get jailed and needed to pay the amount of your bouncing check, it does not clear your debt with the bank because the amount you paid is for the bouncing cheque not the debt. But there is a way around it, you can just pay the debt and the case against you will be cleared w/o having to get jailed or pay for the bouncing cheque.

      Delete
  47. good pm. ask ko lng po kc ang asawa ko po nka pag loan sya sa adcb bank sa dubai 1yr din hindi sya nkapag bayad kc na transfer sya sa libya at npauwi rin dhil sa gulo dun. ngaun po bumalik sya sa dubai n d nmin alam n nka band n pla sya dun at n hold sa sa airport at kinulong. ask ko po kung cno at pano po nmin matulungan ang asawa ko dun. ngaun nkita ko po n my mga email pla sa asawa ko ang belkish so tinawagan ko po kgad un pra mpakiusapan cla n tulungan ang asawa ko at kausapin ang bangko n hayaan mkapag work sya dun at bwasan nlng un sahod pra mkpag byad sya sa loan nya. ang sabi ng belkish 2 option lng dw ang gawin nmin pra ma release ang asawa ko 1 is to pay the full payment and 2nd is 25% and garantor. sa 2 option po n un ang hirap po kc wla rin kming pera pra mabayaran un ano po ang gagawin nmin makukulong po b ng matagal ang asawa ko dun? pls po need ko po ng advice kung ano ang gagawin ko dna po ko mkatulog at mkakain kakaisip dto at maga nrin ang mata ko kakaiyak. pls po sana po matulungan nyo po ko. salamat.

    maer.

    ReplyDelete
  48. sana po masagot nyo ung ktanungan ko pra po khit paano my idea po ko kung ano ang dapat kong gawin. pls po mr. bangker.

    marami nrin po ko nbasa same case with my husband pero gusto ko prin po maka sure at kc nsa jail prin nman ang asawa ko dko pa sya ncontact mula ng dumating sya sa dubai. sana po msagot nyo po kgad to. salamat po maer.

    ReplyDelete
  49. "jail" is not the same as we have here.
    Debt Prison is very clean,the accommodation is aircon with good food and usually it only takes about three months at the most.

    some Dubai banks are even rethinking about this since after serving the term, the debt is totally ERASED.

    n.b.
    unlike our prisons here that are full of corruption and very dirty.
    :D

    ReplyDelete
  50. salamat po mr banker atleast khit pano po gumaan ang loob ko sa sinabi nyo at sa mga nabasa ko dto.

    ask ko lng din po ulit after 3 months sa jail ng asawa ko ano pong mangyari sa knya pauwiin po ba sya dto or pwede prin syang mag work dun? kailangan po b nmin mag byad sa loan nya khit nsa kulungan p po sya?

    at meron prin po ko nabasa dto n ang pinaka pangit n kulungan is ung sharjah police station e nandun po ung asawa ko kya lalo po ko nag alala ngaun.

    cno po b ang pwede nmin lapitan dto pra hingian ng tulong pra sa asawa ko. salamat po.

    ReplyDelete
  51. hinde po "pangit" ang mga kulungan sa ME.
    what would you expect? hotel-like accommodations?
    wag na lang maglapit sa iba para sa tulong.
    more often that not, most scammers are kapwa Pilipino din!
    and never believe COLLECTORS!
    they earn by telling you lies.
    like "pangit" ang kulungan doon.

    btw, saan po ginamit ang inutang,
    if you wont mind?

    ReplyDelete
  52. salamat po mr banker khit pano po gumagaan n ang loob ko ngaun at dna masyado nag iisip. nag loan po sya pra matubos po ung bahay nmin kc nkasanla po.
    at dko nman po expect n hotel like accomodation ung jail pero kc po my nkita po ko dto nag post din n nkulong din sya sa sharjah police station ang sabi nya un ang pinka worce ng kulungan sa middle east sa isang maliit n kwarto sama sama hlos 200 n tao tpos dpa dw po d maayos ang pag trato sa knila prang animal dw. kya dun po ko nag aalala sa asawa ko.

    ReplyDelete
  53. ask ko rin po kung cno ang pwede nmin twagan sa sharjha police station pra mkausap nmin ang asawa ko. pls sa mga nag post dto bka my alam po kyo.

    ReplyDelete
  54. hi mr. banker,

    ask ko lng po kung ang 22o po b ang Bilkish? I check it on the web and under-construction dw po ung site, scam lng po kya i2?

    ReplyDelete
  55. hello po mr. banker,

    i just read about your blog and i can say i have same problem w/ them. one time a guy from bilkish came to our house and told me that i have utang from my cc i ask him san ung statement of account ko and he said wla po then he called somebody so i can talk to them about my credit so they told me that i need to pay my utang ( they said they are the contacting with the bank ) but i ask them again why i don't have any notice from bank well la clng snbi but to make it short i agree to pay the amount but they give me a time until when i can pay but still i made a payment but what happened 2x account no. is closed, pero npaicip n po ako coz i try 2x n po bka scam lng po un. until now they keep on calling at email me n open n daw ung account and i need to pay n. nu pong ibig sbhin nun? twg po cla ng twg even its night and sunday. what will i do po? i really need your advise banker, tnx po.

    girly

    ReplyDelete
  56. girly,
    SCAM.
    what to do?
    http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-of-collectors.html

    ReplyDelete
  57. hello po again banker,

    so you mean to say po wag ko ng entertaining un, what if bumalik ulit ung tga bilkish and me letter po cla? n bobodered n rin po ako s kktwag at email nila. there are times n ibng name nmn po ung ng eemail. d po b ako mdedemanda? tnx po

    girly

    ReplyDelete
  58. letter?
    tangapin mo lang,
    pirmahan kahit isang dosena pa.
    sabay tapon.
    no big deal.
    :D

    tawag?
    read mo the link I gave.
    collectors are clown,foolish, and scammers.
    wag matakot.
    tuwamag ng pulis.
    extorion yan!

    ReplyDelete
  59. yes banker they are contacting me through cp and email po. until now they are emailing me and telling me to pay to the bank coz they said the bank advised them that the account is already open. tnx.

    girly

    ReplyDelete
  60. girly,
    na iyo lang kung magpa-loko ka dyan.
    I cann0t prevent you.
    :D

    ReplyDelete
  61. hello po ulit banker,

    i just receive a letter from bilkish ( demand letter signed by atty.( xerox ) saying that i need to pay my cc debt within 5 banking days or they will file a police/criminal case against me in the court of dubai which carries imprisonment. and also in the letter it said i will banned to enter middle east country and other foreign countries if i will not pay the said amount. is this a threat or harassment? pls. advise me what to do.

    thanks
    girly

    ReplyDelete
  62. girly,
    it's a harasment. lung andito ka na sa pinas safe ka na. kung nasa dubai ka pa, maari kla ngang makulong since dyan sa dubai, may imprisonment ang hind epagbabayad ng utang

    ReplyDelete
  63. hello po,

    nnd2 po ako s pinas ngyn, dun po s sinasbi nilng banned n po ako s ibang foreign countries ibig po bng sbihin di n po ako pwedeng pumunta s ibang country or s dubai lang po? ntatakot po kasi ako what if mkaalis po ulit ako bka po i hold ako s immigration d2 s pinas? pls. advise me po

    thanks
    girly

    ReplyDelete
  64. girly,
    panakot lang nila. eh kung yung taong may utang nga dito mismo sa pinas ay nakakaalis pa, how much more kung sa ibang bansa ka may utang. just dont go back to the country na kung saan may utang ka and don't forget the lesson learned.

    ReplyDelete
  65. hello po ulit,

    pnay n po email nila skin n kung hindi dw po ako mgbbyad i fo forward na daw po nila s bank ung case ko at cla na daw po bahala mg file ng case laban skin. tpos sbi rin po nila checheck n dw po nila status ko s immigration d2 s pinas at mg fi file n dw po cla ng legal action d2 s barangay office namin. ntatakot po tlga ako s pwede nilng gwin kung ano2 n po email nila skin. d ko nmn po tntkasn ung utng ko pero i tried 2x n mgbyad pero closed dw po account n bnbgy nila. kya po b tlga nilng gwin un? pls. help...

    tnx po
    girly

    ReplyDelete
  66. Mr. Banker

    My husband is working in KSA for 8 months now, he has worked in Dubai at kumuha sy ng credit card. Dati regular ny nahuhulugan yon pero nung nagkaroon ng problema sa trabaho ny sa Dubai ito ay hindi na ny nahulugan ng regular pero kahit papaano kapag meron sy pera nagagawa ny prin itong hulugan kahit halos wala n sy maipadala sa pamilya ny. Pinayagan sy ng company sa dubai na mag-apply sa iba ky sy ngayon ay ns KSA....Meron lalaking pumunta dito sa bahay at sy dw ay nagttrabaho sa contacting company ng Mashreq Bank dito sa pilipinas at hinahanap ang husband ko at ang sabi ko lang wala akong alam tungkol s kanya dahil matagal n kming hindi nagkikita at walang nbblitaan. Sa ngayon yong contacting company dito sa pilipinas ay panay ang email sa kanya kinukulit sy at tinatakot na kapg hindi sy nagbayad magpa-file sila sa immigration para mapa-deport sy, willing nmn magbayad ang asw ko ky lang hindi yong immediate at full payment na gusto nilang mangyari....Ang tanong ko maipapa-deport ba nila ang aswa ko e nasa Dubai nman ang problema at wala sa KSA? Tama bang manakot ang contacting company?
    ...please help

    rainbel

    ReplyDelete
  67. rainbel
    ang mangharass at manakot to da max ay trabaho ng mga collector. ang bawat batas ng bawat bansa ay independent sa isa't isa. go on and move with your life. Dare your collectors at huwag mong iparamdam sa kanila ang takot mo para madali ka nilang tigilan.

    ReplyDelete
  68. Mr banker,

    My tanong po ako tegarding sa credit card last 2009 po ako nung last na ngbayad ng credit card ko upto now hnd pa po ako ulit ngbayad kse masyado po malaki ang hnhingi ng bangko...pero nung ngapply po ng credit card is under my single name last 2007 tapos before po ako bumalik ng dubai ngchanged status po ako upto now wla nmn po akong problema sa visa ko naissuehan po ako ng employment visa khit police case wla po ako...ang tanong ko po is meron po ba akong travel ban if uuwi ako ng pinas? Posible po ba na my travel ban ako dito sa dubai?... Please reply po sa tanong ko......
    Thanks po

    ReplyDelete
  69. Mrbanker

    Ask ko po sana kng nagbibigay po ang bangko ng travel ban dito sa dubai? Thanks po

    ReplyDelete
  70. mycel,
    masaya sila!
    :))
    http://failuretopaycreditcard.blogspot.com/2010/08/going-abroad.html

    ReplyDelete
  71. mycel
    travel ban is only given by DFA, not banks. tulad nga ng sabi ni banker Masaya sila!

    ReplyDelete
  72. banker pls help..
    my kuya ko na nasa dubai..my cc sya at ngaun ay tamang harass ang mga collector ng bilkish..
    anu po ba dapat gwin almost 1 year na sila patawag tawag dito sa bahay, and worse tumitindi pa un harrasment nila, pabalik balik dito sa bahay at nagtataka ako kung panu nila nalalaman yun mobile no. ko. na hindi ko naman binibigay..
    as usual ang mga pinagsasabi nila na travel ban, deportation at kung anu po anik anik na my kinalaman sa kuya ko..my demand letter pa nga..the last time he called us(actually kanina lang yun), un sis-in-law ko ang nakasagot at same agenda pa rin kaso natatakot un sis-in-law ko kasi sinabihan sya ng tao baka daw maging ACCESSORY OF THE CRIME sya, pag napatunayang nagsisinungaling..at ang kapal pa ng mukha na magsabi capable nmn daw kmi magbayad at i-shoulder na lng daw nmin, maghahati hati kmi family pra lang mabayaran..
    banker anung gagawin ko?
    pde ko ba sila ipablotter once na pumunta uli sila dito..
    panu matitigil yun pagtawag nila..

    salamat po..

    ReplyDelete
  73. andhie,
    marami pong diskarte dyan:
    1. dedma;
    2. pahuli at ipakulong mo sa pulis for extortion
    3. tapon yung letters
    4. calls? dare his bluff - go ahead, sue me!
    5. eto para mag-enjoy ka:
    http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-of-collectors.html

    ReplyDelete
  74. thanks banker.. sana matapos na to...nakakarindi na kc cla..

    ReplyDelete
  75. Meron po ba options para mabayaran yung credit card loan ng mas mababa kesa usual rate ng bank. Napanood ko po kasi sa AksyonTV na pwede makipagkasundo sa bank about dun. Balak rin po kasi ng kapatid ko na ipasara yung credit card nya since di naman nya ito magagamit dahil nasa Taiwan siya para magwork. Di ko po kasi napanood ng buo yun kaya di rin compete knowledge ko about dun. Help po Mr. Banker. Thanks! -Rick

    ReplyDelete
  76. Dear Banker,

    Magandang Araw po sa inyu.

    May tumawag po sa akin dito sa saudi na taga-BILKISH dw tungkol dun sa utang ko sa Dubai. Meron din naman ENZI CORPORATION na nagpupunta sa aming bahay. Gusto ko naman mgbayad pero hindi ko naman alam kung kanino sa knilang dalawa ako dapat mgbayad ng utang ko.

    Advice naman po Banker.

    Salamat po.

    ReplyDelete
  77. Dear Banker,

    Andito po ako ngayun sa saudi at may tumawag sa akin na taga BILKISH at sinisingil ako sa utang na naiwanan ko sa dubai, meron din ENZI CORPORATION na naniningil din sa akin. Gusto ko naman po magbayad ng utang at para maiwasan ang mga pangugulo ngunit ako ay naguguluhan kung kanino ba dapat ako magbayad sa knilang dalawa.

    Bigyan nyu naman po ako ng advice banker.

    Salamat.

    ReplyDelete
  78. This Bilkish Bank sucks! They are harassing people. Some people paid and yet still unpaid. Some people died. Some people live in vain because of their harassment and embarrassing them. Hope that these people from Bilkish find their match one day and hope karma gets back to them!!!!!!!!!!!!!!!!!!

    You just killed a friend of mine!
    DONT YOU KNOW THAT???!!!

    ReplyDelete
  79. Hi! Tanong ko lang po may naiwan po kasi akong loan sa dubai and credit depts di naman po ganong kalaki...kailangan ko po kasi ng Police Clearance meron po kayang record ang police clearance ko??? Salamat

    ReplyDelete
  80. Hi!husband ko hinaharass rin nang bilkish. Nakatulong talaga ang forum na ito. Gusto naman namin talaga magbayad kaso hindi namin kaya ang one time payment as what they are asking. Sa emails and calls sabi nila ipa-INTERPOL daw nila kasi nalaman nila na aalis ang asawa ko papunta australia. Pwede ba talaga nila to dalhin sa INTERPOL or panakot lng to? Pwede ba nila ipa-hold sa immigration? Paghindi sya makaaklis hindi talaga kami makabayad. Please help.....thanks

    BOTHERED WIFE

    ReplyDelete
  81. the answer is N O.
    ang mga collector ba dyan ay malakas sa INTERPOL?
    baka interFOOL!
    :))

    ReplyDelete
  82. Hi Banker,
    meron akong hindi nabayarang cc sa middle east after 3 years nakatanggap ko ng email galing sa bilkish phil na kailangan kung bayaran..sa ngayon nand2 ko uli sa middle east pero hindi na sa dating bansa..ano ang puede nilang gawin na action sakin..puede b ko madeport o dalhin sa dating bansa na pinaggamitan ko ng cc?ang balak ko bayaran yung cc ko pero hindi ko alam kung san ako magsisimula?saka ano yung worst action na puede nilang gawin sakin?
    please help..
    thanks,

    ReplyDelete
    Replies
    1. the worst thing they can do
      and the worst thing you can do
      is the same :
      mag-loko ka into paying their commission.

      Delete
  83. hi banker.
    nag-apply ako ng trabaho sa kuwait last year. nahihirapan kumuha ng working visa ang kumpanyang kumuha sa akin kaya temporary mag-entry muna ako sa sharjah bago ako pumunta ng kuwait.
    my bank loan akong naiwan sa dubai nung 2003. makukulong ba ako upon entry sa dubai kahit sa sharjah ako ma-base? sana masagot nyo ako dahil malapit na akong makaalis at kinakabahan ako.
    salamat po.
    felice

    ReplyDelete
    Replies
    1. felice,
      your debt in Dubai, stays in Dubai.
      wag ka lang bumalik doon.
      yan lang ang rule.

      Delete
    2. In addition, ang SHarjah and Dubai ay emirates or sakop ng UAE as you know. Hindi sila magkaibang bansa. Kahit iba ibang ruler ng mga emirates sa UAE, isang bansa lang sila at isang system ang gamit ng gobyerno. kung na-blacklist ka sa Dubai, lalabas un sa lahat ng system ng UAE, mapa Abu Dhabi man or Umm Al Quwain.

      Delete
  84. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. why dont they try to file a case?
      they wont; they dont ; they cant!

      Delete
  85. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. goforgold,
      Hi to Mr.Banker
      I just want to share my experience regarding Belkish.
      I came personally to belkish office in makati to settled my account i have same problem from mashreq bank,i talk directly to the assigned supervisor to provide my statement of account
      and i will do the full payment of my debt...you know what the supervisor told me,sir we are not allowed to collect any cents from you,you need to go back to dubai and settled your account.. How nice..you know the reason why? they cannot provide a document or receipt if you already settled that amount they asking to you very funny...

      Delete
    2. goforgold,

      you have to go back to dubai?

      that is INSANE! lol!

      Delete
    3. Parang gago nman ung suggestion na bumalik pa ng Dubai! Suicide?

      Delete
  86. Hi Mr. Banker,
    First time ko po mabuksan ang site nyo and ang saya ko po tlaga. Hindi po ako nakakatulog kasi nga po sa mga loans and cc ko from Dubai na hinahunting ako sa Pinas especially Bilkish. 3 bank ko po yata ang hawak nila. Grabe po, nakabantay na po yata lagi sa bahay namin at inaabangan ang pagdating ko. pati mga tsismosang kapitbhay namin, tinatanong. Ngayon, nag-email sa akin na alam na nila kung nasaan ako (sa Canada po at binanggit po talaga sa email nila). Di ko po alam paano nila nalaman. Pinagbabyad nga po ako kahit partial para daw masuspend yung kaso ko for the meantime. Ano po ba gagawin ko? Makokontak ba nila talaga ako sa Canada? please advise po. Salamat. restless

    ReplyDelete
  87. Hi Mr. banker,

    Pwede po ba nila ako(Bilkish) hantingin pa rin sa Canada? Alam daw nila na andun nga ako? Please advise po tlaga. Salamat? mama mia

    ReplyDelete
    Replies
    1. collectors earn their living by:
      - foooling people
      - harassing people
      - extorting and blackmailing people.

      LIES.
      dare their bluff.

      Delete
  88. Dear Banker,
    Despite sa mga loans and CC debt ko sa UAE, makakakuha pa rin po ba ako ng police clearance? Kasi, requirement po sa mga magwowork o magmamigrate sa ibang bansa esp. US/Canada diba? lalo na at matagal ka nagstay doon (UAE). How about sa resume po, wag na lang po ba ideclare yung work experince sa middle east para hindi na lang hanapan ng police clearance? Salamat. Mariza

    ReplyDelete
    Replies
    1. go ahead and enjoy life.
      instead of listening to collector lies.

      Delete
  89. Mr. Banker,
    Sige na po, gusto ko lang po ng maayos na sagot. Pwede nga po ba nila ako mahanting ba sa Ibang bansa esp. claiming na alam nila na kung nasaan ako. Kung tama po ang location ko, paano nila nalaman kung saan ako? tsaka, talaga bang hahantingin nila ako doon? Yung bank po ba, pwede pa akong balikan dun o yung Bilkish pa rin? Yun pong police clearance (UAE), malabo po ba na makakuha ng walang record? Salamat ng marami...Mariza

    ReplyDelete
    Replies
    1. ang BILKISH ay isang COLLECTION AGENCY.
      manloloko.
      if you want to get police clearance here sa Pinas, puede.
      if you are in UAE at may utang, you can not have a clearance.
      your debt is Dubai stays in Dubai. it is not applicable in ANY other countries.
      niloloko ka nga eh.
      read the article again.

      Delete
  90. Dear Banker,

    Maraming salamat sa reply. Bale, hindi ko na dapat ireflect ba sa resume ko yung dubai experience ko to get rid of the police clearance reqts which I think for both working and immgrant visa status yata dapat. Ang passport ko, bago na rin, walang lumang tatak ng UAE. Yun na ba ang da best na magagawa ko, yung walang bahid ng UAE mark? Thanks po, mariza

    ReplyDelete
    Replies
    1. you are in the best position to decide.

      bakit? lahat ba na work experience dapat i-lagay?

      pag inilagay, you did not steal anything! if they ask about

      your debt, you can always say "you want to pay it but they

      wont!"

      Delete
  91. hello po..same situation po sa mga nagcomment dito,yung asawa ko po left cc debt sa abudhabi and just the other day a letter from bilkish came..saying that my husband need to pay 17k aed in 5 days or else magfile ung RBS Bank ng CRIMINAL case??? ang problem is nasa oman husband ko ngayon...puede po bang maaresto ang asawa ko sa oman? ano po ba ang dapat gawin? sobrang ninerbyos na ako and di makatulog sobrang worried baka kasi ano mangyari sa husband..please po i need some answer..

    ReplyDelete
    Replies
    1. lumang style ng scam na yan!

      it's an extortion letter, blackmail letter or swindling letter

      rolled into one. heheheh....

      what to do? tapon.

      type mo " demand letters" doon - - - - >

      or "demand letters/text messages"

      forget it.

      Delete
    2. depressed lady i have d same situation wid ur husband pwede po ba ma get ko ung number mo...thanks so much! pls reply...--cris

      Delete
  92. Hi Banker,

    It's such a relief to hear your comments and enlightenment to us.. I can relate to all bloggers here regarding harassment from BILKISH. I have been traced by debt collectors since I moved out from Dubai in 2009. Since then I have received / missed / ignored thousands of calls from them, they traced my new company in Thailand when i moved, then to HK with my recent move. They called me and harass me right thru my office phone lines.. had 26 emails from different debt collectors within BILKISH. Upon reading your comments, i feel that i can ignore them and advise my relatives back home to ignore them as well.

    Frankly, I have this concern and my family is too worried for me to go back to the Philippines. Cause of BILKISH's threat, I never attempted to go back to the Philippines since 2009. They say that my name is at the immigration watch-out list, and that I will be sent to jail once I go through the immigration. They kept on saying that I would not be cleared, rather be apprehended at the airport Immigration.

    Can you please elaborate and give me some assurance that I would not have issues going through the immigration at the NAIA airport when i go through. For some reasons, I have develop this fear what if it may b true (?).

    A little peace of mind will mean a lot :)


    Thanks,


    CTan

    ReplyDelete
    Replies
    1. collectors earn by blackmailing defaulters with LIES.
      that's how they feed their family!
      http://failuretopaycreditcard.blogspot.com/2010/11/balikbayan.html

      welcome back to Pinas!

      Delete
  93. thanks for the info, banker, that helps!

    I read in one of your blogs that there is NO "Do Not Enter" policy, nor there would not be any travel restrictions order for delinquent payer..

    what could be the worst that could happen? any legal cases that a bank or law firms can file against you that prevent u from entering / leaving the Philippines?

    thanks,

    CTan

    ReplyDelete
    Replies
    1. isa lang :

      pag pinatay mo yung kolektor dahil niloko ka.
      heheheh....

      Delete
  94. Hello Banker,
    Magandan araw po sa iyo, may maitanong lang tungkol sa bilkish, may credit card po ako sa Standard Chartered bank and may mga emails na rin ako natatanggap galing bilkish philippines regarding the payment ko. Ung Bilkish advised sa akin na ang bank nag offer sa akin na bayaran ko na lang ung accout ko in one shot for 7,000 clear at tapos na ung case ko sa bank. So i decided to get a cash advance from my company then binayad ko ung 7,000 para ma clear ung card ko malaki kc ung nabawas. Pagbayad ko kinausap ko ung nagfollow up dito sa abu dhabi na request ako ng clearance letter para wala nang problema at wala na akong record sa bank. Ang sabi ng representative dito na antayin ko na lang ung letter ko kc nag email na sya sa bank so hindi na ako tumawag inaantay ko na lang ung clearance. I payed on may 2011. Hanggang ngaun wala akong natanggap na clearance letter at try ko silang tawagan hindi sumasagot padala din ako ng email wala din reply, ang tawag ako sa dubai branch hindi rin sinasagot ang phone. Nagulat na lang ako the other day na dumating ung bill ko sa december 2011 and it reaching to 20,0000.00 dhs. Pwede mo ba akong matulungan kung papano ko macontact maski ung bilkish philippines kc nag email ako sent back ang email ko sa kanila.

    Hoping your response..thanks,

    Al

    ReplyDelete
  95. hello banker,gud pm may ask lang po ako,lagi po kasi tinatawagan ang family ko at ako dito ng bilkish narito pa ako sa uae,ginugulo ako ng bilkish na yan kapag di raw ako nagbayad ipapakulong daw nila ko dito ang nakuha ko sa mashreq bank ay 3,000aed at nahulugan ko nayun sobra pa,eh 1 year na ko di nakapagbayad dahil ngkaproblema sa work at ngayon nagkakabawasan pa ang gusto nila bayaran ko ng 1time 5000aed eh ang sahod ko lang ay 1200aed eh pano ko makakapagbayad eh padala pa lang sa bahay kulang na at ngayon baka materminAte pa ko dahil nagkakabawasan dahil wala kami project,ano ho ang dapat ko gawin? thank po! JAKE21

    ReplyDelete
    Replies
    1. umalis k na sa dubai as soon as possible pacheck mo muna kung may case kna para wla kng problema sa immigration,hayaan mo silang maghabol sa tambulan mga gago yang bilkish n yan sobra ang ginagawang panghaharas sa mga ofw makakumisyon lng,magbayad k sa bank wag sa bilkish dahil sa bank k may utang hindi sa kanila dahil d ka nagkautang sa bilkish n yan.

      Delete
  96. hello ,

    i received an email from Enzi corp saying that i owe their bank client Barclay over 7 thousand AED and my mastercard with said bank has long been overdue. This is ridiculous considering i do not hold any credit card issued by said bank under my name and have never been out of the country. I understand Barclay is a UK Bank. What bothers me is that the sender purportedly someone from Enzi (whose name figured in the internet searches) knew my name and my email. This must be some new email scam the twisted people have come up again. How and where did they get hold of my name and email??
    Baka someone from the 'inside' (collecting agencies) who got tired of calling and instead used the list of bank customers at matyempuhan nila ang gullible ones. Ang nakakatawa pa, when they listed the instructions on how i should pay the said amount i owe them daw, they gave another bank account under a different bankn(BPI)! wahahahah!
    I reported the matter to Barclay and to the BPI and BPI said they will investigate the same.
    I am still waiting a reply from Barclay.

    Thanks!

    Girl of Good Credit Standing :P

    ReplyDelete
  97. hello again!

    regarding my previous post, i called Enzi Corp. to clarify kung bakit nila ako pinadalhan ng email demanding payment for an overdue credit card obligation ko daw eh wala naman ako ganoong credit card. it turned out na kapangalan ko lang iyong cc holder at ang mga lekat na collectors naresearch lang daw sa internet iyong aking email dahil sa kapangalan ko iyong cc holder. grabe! ibig sabihin kung makita nilang sampu ung kapangalan ng cc holder, sampurng email adds din ang papadalhan nila ng ganung demand letter?? maryosep! hindi ba may criminal liability na itong ginagawa nilang ito? I sent them an email per request ng collector para daw madelete daw nila ung email ko if it turns out na hindi kami pareho ng personal circumstances,,, i end up emailing them my full name, and they replied telling me na idelete na daw nila ang email ko to avoid sending me erroneous meesages daw.. dapat magfile ako ng damages ahahah, for sleepless nights, anxiety, loss of appetite, besmirched reputation etc etc!hahahaha!

    ReplyDelete
  98. Hello,
    Meron din akong utang sa Dubai last 2009 pro d ko na bnabyaran. Tanong ko lng parehas lng ba ung Bilkish at Enzi? Ngpadala kc ng sulat ung Enzi na may pirma ng atty(sinearch ko ung pangalan at Atty nga sya) at nag emaill nman ung Bilkish..talo ka pg bnayaran mo ung 2..pro wla akong pkialam sa knila,dedma na lng alam ko na style nla..

    Thnx,
    Keley

    Sa

    ReplyDelete
  99. Hello,

    Meron akong balance sa citibank uae na halagang Dh 7000 ang bilkish phil nagemail sakin at panay tawag sa office q asking the payment ang sabi q bayad na sa citibank uae sabi nila sa knila daw magbayad then pinipilit aq magbigay ng copy ng resibo which is panay sabi q twagan ang citibank uae sabi di pa daw ako bayad grabe ang bilkish na ito anu po ba dapat q gawin even office tintwagan nila at mobile q diko alm panu nila nalaman office no ko.

    ReplyDelete
  100. PLEASE READ BELOW!!
    ANONYMOUS POSTS WILL NOT BE ENTERTAINED!!

    hope it helps!!

    ReplyDelete
    Replies
    1. tnx. here's the reason :
      http://failuretopaycreditcard.blogspot.com/2012/02/anonymous.html

      lol!

      Delete
  101. hel0w p0h
    d2 p0 aq ngay0n sa 0man galing aq ng qatar may naiwan p0 aqng cc sa masreq qatar ngay0n p0 i2ng bilkish punta ng punta sa bahay tinatak0t p0 m0ther k0 may sakit p0 sa pus0 y0n at tawagdin p0 ng tawag d2 sa 0man maramip0ng pananak0t an0p0ba dapat k0ng gawin para matigilna pana2k0t nila at sa bahay nagaalala p0 aq sa m0ther k0 pls...ataks

    ReplyDelete
  102. Dear Banker,

    Thank you po sa lahat ng advices nyo lalo na with regards to various instances na we can face against those Collector.

    May tanong lng po ako sana matulungan nyo ko. Dati po ako OFW sa Dubai nagkaloan po ako sa isang Pakistani Bank dun. Due to recession na walan rin po ako ng work at napilitan na rin po akong magpatulong sa kapatid ko ng kelanganin ko ng guarantor para sa loan ko. Nagendorse po ang sis ko ng cheque para lng mabigyan nila ako ng installment scheme na mababayaran ko pag nakahanap na ako ng trabaho nun. And now dito na ko sa pinas umuwi ako para maalagaan ko ang mama ko na may sakit at paralized na, walng work dahil hindi ko naman maiwan ang mama ko sa kalagayan nya. sa sitwasyong toh napilitan ang kapatid ko na magbayad everymonth dun sa banko...at pag hindi nya nabayaran o nalate man sya tinatakot sya na they will file a case against her daw, walang sawa sila sa pananakot at pambubulabog sa sis ko lalo na pag di nakakabayad. Nalaman na nila na wala ako sa dubai at sabi nila pag di nagpatuloy ng pagbayad ang sis ko kakasuhan nila.pwede po ba un? ako naman po ang nagkautang sa kanila, kaso naging guarantor ko sis ko at may hawak sila cheque.
    Pero eto po, ung hawak nilang cheque na inindorse namin ng sis ko as guarantor cheque ay close na ang account.
    Pwede po ba na makasuhan ang sis ko kapag na indorse ung cheque na un sa bank? At pano po kung di na sya magbayad? ano po ang pwede mangyari?
    Please po kelangan ko talaga gabay nyo..Stress na po ako.

    ReplyDelete
    Replies
    1. kung nasa Dubai ang sister mo,puede siyang habulin ng bank.
      otherwise no problem.

      Delete
  103. hi banker!

    i just receive an email from bilkish, that i need to coordinate with regarding my default cc from uae..and they are saying that they know my current employer...and may jeopardize my current employment..

    if this is true, what should I do?

    Alai

    ReplyDelete
    Replies
    1. alai,
      forget it.
      please RE-read the above article again.

      Delete
  104. Dear Banker,

    I came across your blog while searching the net about this bilkish.com who started calling me last Monday for 11 times. Nasa Qatar ako ngayon at hindi ako makaalis dito because I have an existing loan with HSBC na hindi ko naman tinatakbuhan. i already coordinated with the bank here in Qatar to initiate a debt settlement last week. Aba, biglang may tumawag sa kin from the Philippines. Sabi ko, bakit mo ako ako tatawagan from the Philippines eh andito nga ako sa Qatar at andito ang utang ko. Sabi ko: subukan nyong kontakin, puntahan ang bahay ko o ang pamilya ko at kayo ang kakasuhan ko ng harassment.

    Ang explanation nila, ipinasa na daw ng HSBC Qatar ang case ko sa Pilipinas. Tanong ko, kailan pa? sagot: June 2011. Ngeek???? Bakit ngayon mo lang ako tinatawagan? sagot: utal ang girl, kasi yung source daw nila sa Dubai etchetera. sabi pa ng girl, Mam sa banko pa rin kayo magbabayad, kelangan lang namin ng update at copy ng receipt na nagbayad kayo. Sagot ko. It's between me and the bank, you're not involved. And my loan is my private business, not yours.

    I send her an e-mail:

    Subject: Outstanding Loan

    Dear Ms. Y,

    Good afternoon.

    For your information, I have made contact with HSBC Qatar to settle my outstanding loan. I have explained my situation to Ms. Maysoon why I wasn't able to come.

    As of this time, I am trying to look for measures on how I would be able to settle.

    As I have discussed with Ms. XXXX (HSBC Qatar), I am in the process of acquiring funds to transfer the loan amount to my HSBC Qatar account to settle and close this issue.

    PLEASE NOTE for your update that I am not running away, I am still in Qatar and I mean to pay my obligations.

    Though I am aware that you wanted an update from me, and its your job to do so, but calling 4-5 times in the morning when I am in the middle of work and *calling the office* is UNACCEPTABLE, within the boundaries of harassment.

    It really doesn't make sense as I am directly communicating with HSBC Qatar and your company is calling me from the Philippines.

    I know my obligations and I have the full intentions to settle but I know my rights as well.

    Thanking you for your understanding and consideration.


    Ms A.

    Tumawag ulit...di ko sinagot.. The girl was courteous naman pero ang alta-presyon ko, tumaas sa kakulitan.

    ReplyDelete
  105. Dear Banker,

    Nagwork ako dati sa Qatar for a Construction company. The company provided me Bank Account and Credit card. During my contract period, nagamit ko yung credit card but was settled before na mag-exit ako sa Qatar. Last year bumalik ako sa Qatar at nagtrabaho up to the present, last week somebody called me asking kung nagkacredit card daw ako and I said "yes". The following day iba naman ang tumawag to informed me na may outstanding QR 1,464.00 sa credit card ko. Nagtaka ako e closed na yung account bakit ngkaroon ng balance. I told them na it was closed and settled na way back 2007 pa before ako maka-exit. In fact di nila ako makukuhanan ng Exit permit kung hindi settled any claims against me as my Exit for good was advertised in a Qatar newspaper. So the next day another person called me asking the copy of account clearance asap. Nirequest ko yung clearance dun sa previous company ko, nagcoordinate ako sa accounts department and explained that i failed to secure a copy before so now i need it as a proof since may nagcaclaim na may balanse pa ako. I informed them na nirequest ko na sa previous company ko dito and it's not easy to search the file for over 5 years na ang lumipas. tawag pa rin ng tawag at sabi gusto nila this week. banker do i need to give them the copy of my bank clearing receipt? Kindly advice! Best regards!

    ReplyDelete
    Replies
    1. wag masyadong mag-tiwala sa tawag-tawag lang.
      just because he is asking details from you,
      ganoon ka lang kadali maniwala?
      kotong kolektor lang yun.
      wag paloko.
      tell him straight - wala, wala, wala. heheheh
      dont argue and dare all his bluff.

      Delete
  106. Thank you banker. muntik ko na maibigay yung nirerequest ko. kaya pala nagtataka yung accounts dept sa previous employer ko e nagclear sila before they got my exit visa dito sa Qatar last October 2007 pa. and besides galing na ako sa bank at try ko ipa-open sana yung account ko dati as personal savings ang advice nila. expire na nung 2010 pa so need to open a new account. and they provide me requirements naman. Thank you banker for backing us who are not aware of this scam and harrastment tactics.. God bless.
    Btw, banker if makakatulong din kami just ask and we will grant you in our convinience.

    ReplyDelete
    Replies
    1. thank you din for the offer.
      click the link "Diskarte Forum"
      we maintain a trust fund for Diskarte Pilipinas

      Delete
  107. dear banker,

    good eve po ask ko lng po kz me naiwn utang asawa ko s dubai s credit cards nya kz ngkprb5 cia s compny nl kya d na cia nkablik ng dubai, now po ns ibang country na cia e pauwi po cia e me connecting flights po cia s dubai mahohold po b cia s dubai. hope msgot nio po ako

    thanks

    ReplyDelete
    Replies
    1. hi.. yare si mister mo nun...i suggest na never nyang gagawin yun...

      Delete
  108. Mr. Banker
    gud day po,isa rin po aq sa ginugulo ng Bilkish d2 sa Saudi,panay ang tawag nila @padala ng email,nagkaroon po aq ng cc d2 rin sa saudi nababayaran q po nong mga unang taon kc may dumarating n bill sa opis,after a year di n aq nakkrcv ng bills fr bank so nagstop nrin po aq bayaran.nagkaroon po aq ng opportunity sa ibang co. d2 rin sa saudi last 2005 pa yun cc. q.sabi ng bilkish ppdeport daw aq at ippaalam sa nanay q yun utang q.pde po ba aq makulong d2 sa saudi dahil sa unpaid cc?dapat q po b ientertain ang bilkish at mkipagnegotiate sa knila regarding sa cc. q?pls tulungan nyo po aq kc nsisira n konsentrasyon q sa wrk kkaisip sa mga emails ng bilkish.

    Salamat po at more power
    velju ksa

    ReplyDelete
    Replies
    1. "yes, I will pay. let's meet in court para legal lahat"

      Delete
  109. Hi banker,
    Share ko lng nangyari sakin last wk.Nagttrbho ako sa Dubai dati yr 2008 at nagkautang sa isang bangko doon, tpos d ko na nababyaran kc umuwi na ako ng Pinas November that yr at currently working dito sa Singapore. Dati pa tumatawag na ung Bilkish sa bahay,at iniignore lng ng mother ko,mga isang taon dn d na tumawag hanggang sa nung Tuesday nagulat na lng ako tinawagan ako ng HR nmin na may tumawag daw na isang Atty galing Pinas,kinabukasan tinext ko ung "Atty" kno hinhingi ko SOA pro d nya maibigay kasi daw matagal na di ko na binabayaran ung utang ko,binigyan na lang nya ako ng figure mgkano babayaran at discounted amount pa..nag email din sa company nmin kaya kinausap ako ng HR knina lng,kinabhan ako baka ano na sinabi nung tga Bilkish sa company ko..ayun nagkausap kami,at alam dn pala ng HR nmin na Indiano na galing DUbai din ung style ng mga collector..supportive pa nga at sabi wag daw ako mag alala d ka nla madedeport,pagtumawag nxt wk daw sasabihan daw nya na "go ahead file a case"..hehehe di ko rn alam paano nla nalaman company ko eh iba ung panaglan ko sa FB at wla rn company nkalagay. Eto pala email nung Atty Eduardo Tan:

    "I would like to inform you that I have received an affidavit of complaint for immediate deportation or jail detention due to certain grounds involving criminal activity such as follows: Violation under Article 401 of the revised penal code "fraud". Article 315 breaching of contract w/ writ of attachment against you including Global travel ban on June 22, 2012. If legally warranted and whatever properties will be listed is subject for immediate seized w/o further notice and delay and the same, we will assure you that this offense will reflect to the record of Bureau of Immigration, Department of Foreign Affairs, National Bureau of Investigation as well as to Interpol. Please be advised also that this will be coordinated directly to your office and residence to conduct preliminary investigation here and abroad. I strongly advise you as well to provide your own Lawyer."

    Natawa ako dun sa Interpol,talo pa ang terorista sa akin...hahaha


    Thanks and more power,

    Keley

    ReplyDelete
  110. Dear Banker,
    Ask ko lang po.May loan at cc na d nabayaran mr ko mga 1yr ago na sa UAE,nalipat siya ng work sa Saudi dba ba siya ma trace doon sa bago nyang lugar.kaya ginagawa nya pag magbakasyon siya ang namimili ng airlines para lang makatiyak na walang stop over ng UAE..Sa ngayon nakabakasyon naman siya at nakabalik..Ung mga colectors dito sa pinas ang nangungulit pero alam ko na kung paano dumiskarte nag sawa din...Thanks & more Power...Maria

    ReplyDelete
    Replies
    1. your debt is UEA stays in UAE,
      kahit mag-transit ka doon, but
      hinde naman dadaan sa Immigration,
      so problem.

      Delete
  111. Hello banker!

    Ikwento ko rin po tong problema ko at gusto ko ring humingi ng payo kung anong gagawin ko. Nagtrabho po ako sa KSA ng 4 years at nagloan sa SAAB(Saudi british bank) Umalis po akong ksa at may naiwan na loan, to make a story short after 4 years ngayon lang ako hinahabol nitong bangko through BILKISH. Kakalipat ko lng dito sa AUstralia at nabigla ako na may tumawag dito sa work ko asking about my liabilities sa KSA. Muntik na po akong magbayad kasi natatakot din ako dahil sa mga threat nila. Ngayon nandito po ako sa blog nyo at nababasa ko yung ibang comment hindi lang pala ako nag iisa. So depressing po. ANo po ba maganda kong gawin dito sa bilkish? Do i need to ignore them and let them file the case. Kasi sabi din nila may interpool ban, credit ban,tapos sasabihin sa employer ko na may utang ako. Maganda po ang reputation ko dito at aywa kong masira. Iniisip ko nalang lahat nman tayo nagkaka utang. I am willing to settle yung utang ko pero gusto kong makasiguro. Sana po mapyuhan nyo ako.

    ReplyDelete
    Replies
    1. those are just empty threats. dare them of filing the case and you'll see that they can't lalot wala ka na sa ksa.

      Delete
    2. I ask them to stop calling me, escpecially sa work place ko sila tumatawag. Sabi nila kung magbago isip ko, pwede pa rin akong makipag negotiate sa knila. Mga sira ulo, then sabi ko di ako nakikipag negotiate sa mga fraud,Tapos last email nya ipapasa nalang daw nila sa KSA yung mga emails ko at information ko and I will just wait for the case order. Can they file a case for me here in australia?

      Delete
  112. God Sent! Dear Banker and everybody who make this blog...you are an angel for those who have problems sa cc especially working sa UAE maraming reason tayo one of which sobrang madali kumuha nang cc ang hirap sa atin pag nawalan na tayo nang trabaho especially during recession and we want to pay all are debts if we have enough money. Ayaw natin takbuhan ito kaya lang hirap lang talaga ang buhay.Salamat sa blog na to nag bugay sa akin nang encouragement to go on with my life ang ignore the scam of bilkish I will pay as soon I have money maliit lang ang credit limit kaya lang yun nga hirap lang talaga. Salamat sa yo po and More blessings sa iyo at sa family mo banker! God Bless!

    ReplyDelete
  113. thanks sa Help and Advise Banker! I can do my job we'll and probably if Gods willing I will pay may debts in due time.

    ReplyDelete
  114. Good day po Banker, ask ko lang po.. katulad po ng iba may naiwan din akong cc unpaid sa dubai,ngayon po na nandito na ko sa taiwan.. may tumatawag po sakin na taga bilkish, pumunta na din po sila sa bahay namin para takutin ang family ko. alalang alala na po ang pamilya ko para sakin... dahil ang sabi po sakin ng tumawag.. pag di raw po ako nakabayad sa due date na ibinigay nila.. tatawagan na daw po nila ang embassy para sa case ko at mapapauwi daw po ako ng pilipinas.. gusto man pong magbayad.. maliit lang po ang sahod ko dito lalo na po at under going ng therapy ang anak ko.. natatakot po ako mapauwi dahil single mom po ako. pano nalang po ang buhay nming mag ina pag nawalan po ako ng work.. please give me advice banker.. magagawa ba nila akong mapauwi sa pag tawag nila sa embassy because of my case na sinasabi nila??

    ReplyDelete
  115. Good day Banker, pede po ba mangyari na tawagan ng bilkish ang embassy para mapauwi ako ng pinas?? nandito po kase ako taiwan.. may naiwan po akong cc unpaid sa dubai.. gusto ko man po bayaran yun, e di po kakayanin ng sahod ko dahil maliit lang. isa pa po under doing ng therapy ang anak ko. single mom po ako.. kaya natatakot po ako sa banta ng bilkish na pag di daw po ako nakabayad sa date na ibinigay nila.. tatawagan daw po nila ang embassy at mapapauwi daw po ako.. pede po ba nila magawa na mapauwi ako??? please give me advice po banker.

    ReplyDelete
  116. Hi po banker....i have the same story po galing ng dubai and left some cc debts dahil kinailangan umalis ng dubai. I am now in australia and just few days ago, my brother in Saudi Arabia received a call from Bilkish. And then just today, my mom was summoned by our barangay captain kc may tumawag daw sa kanya from the Immigration and learned where I am. My question is, is it possible for them to get my details here sa Australia? My fear is that malaman ng husband ko kc ang sabi ko wala na ako debts sa dubai. They have not send their agents to my home yet but I feel that they will soon. My mom is worried sick and as much as I tell her not to worry and that they cant do anything against me I still fear for my family back home. What should I do? Should I contact them and just pay although at the moment I dont have a job but with all the harassment my family will undergo I am thinking of just paying. Please help. Thanks.

    ReplyDelete
  117. Hello po banker, may na receive na naman akong email galing sa taga BILKISH na may travel ban saw po Ako pls po for your comment thank you

    ReplyDelete
    Replies
    1. and you believe it right away?
      hehehe....

      Delete
    2. Reading the blogs here let me keep the faith. They won't be able to give a global travel ban right?a criminal case due to cc in UAE remains in UAE Dba? Hahay they will be disturbing my work and life again! Can we do something against these people who are harassing us and our families and creating stories and calling our barangay

      Delete
    3. amore,
      http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-of-collectors.html

      Delete
  118. banker,
    ask lg po ako ng advice.bago po ako umuwi ng pinas 1 yr ago may naiwan po akong cc balance na 1300 aed at overdraft po na 1300 aed sa DIB.bumalik po ako ng dubai 2 months ago pra magtrabaho ulit at nka tanggap ako ng call mula sa mother ko sa pinas na may naniningil po dw na taga bilkish.nag demand po cla na bayaran ko ung full amount ASAP dw..since financially unstable pa po ako kasi kakabalik ko lg ng dubai binabayaran ko lg ng pa konti2x per month.as of now 900 aed na po ung nbayad ko..pero itong bilkish nangungulit pa din sa tawag at email.ano pong nararapat kung gawin..
    Need ur advice so badly po.
    Salamat,
    Jersey

    ReplyDelete
    Replies
    1. tell your bank to stop bilkish from pestring you sonce you are paying them naman

      Delete
  119. Dear Banker,

    I am a deafaulter of two CC from UAE. I got a call from Bilkish last March regarding of my unpaid CC and they ask me to pay 12000 AED (discounted) for a period of 12 month and i agreed and pay my monthly dues deposited in my name with account number in same bank. Again last week, i received a call from them demanding my immediate payment for the other bank and tried to explain my side that as of the moment i dont have the capacity to pay the demanded amount since i still paying the first bank. At first they tried to ask "kahit anong amount lang para lang magmove yung account ko sa bank para di na gumawa ng drastic action ang bank". So i revert to their email na pipilitin kong magbayad ng 500AED up to November and after that mai-increase ko ang amount for an installment basis para maclose ko ang utang ko. So ayaw nila pumayag and pinipilit nilang magbayad ako ng mas malaki, and they threaten me na papatanggal nila ako sa work, kukuhanin mga properties ko etc, etc and yes pati sa interpol papapuntahan daw ako.
    Please advice if continue dealing with this guys

    ReplyDelete
  120. Good day to all specially to banker. Gusto ko lng ishare ang experience ko kc ang mga buwayang taga BILKISH ay patuloy pa rin ang pagtawag at pag-email sa akin. Anyway wat bankers tell are all true based from wat i have experience and have research. Way back 2008 I was terminated by my company in UAE due to recession so sa madaling salita umuwi ako ng pinas leaving UAE quite big amount of loan. To earn a living nag apply ako sa ibang GCC country and luckily I am here now at GCC country for more than 3years na. More than two years na rin nanghaharass sa akin ang bilkish thru calling me and sending me emails. Anyway they did not go to my house anymore because wat I told them I will sue them in court if they try to go to my house or call any of my relatives...it works anyway in my case kc they stopped bugging my family:) The usual threats that they have told me e naka ban na daw ako sa immigration ng country ko now and all GCC country. Tapos ipaba ban daw nila ako sa pinas immigration as well. Pero I believe that all what they are saying are lies. For more than 3 years here in GCC I am freely going to my vacation yearly or every six months but never they hold me at the immigration here or in the Philippines. I have some friends also having the same case and they have stop over to UAE but they did not encounter any problems. Up to now palagi pa rin tumatawag ang mga buwayang collector ng bilkish. Minsan 3 months silang hdi nagpaparamdam tpos minsan bigla na lng mageemail na ipapadeport daw ako...hahaha..sabi ko sa knila e go on..gawin nyo lahat ng kaya nyo gawin..just wait for me there in the Philippines and I will sue you all to the court. I already contacted by former bank in UAE regarding my account and what they have told me na ako lng daw ang pwede mag clear ng name ko sa kanila. I need to go there personally then pay the amount and they will give me clearance. No any othere institution like collection agencies will give you bank clearance...As of now I feel free..And if i have given a chance to return again to UAE that will be the time I will settle all my debts which I did not intentionally run but I was just a victim of the recession..........i hope you have learned from my experience.. More power to all of us and thank you again banker....if you have any questions regarding my case you can just email me at ronald.mercad2@yahoo.com.

    Ronald

    ReplyDelete
  121. Hi Mr. banker!

    First of all I would like to thank you for helping us in dealing with this such bad situation. I would like to share my experience regarding the CROCS of BILKISH. They been harassing me for almost three years but I never intimidated with their threats because. I left UAE last 2008 because I was terminated by my company due to recession. Even I have huge amount of loan from the bank I have no choice but to leave the country because I was terminated. I applied for another GCC country and been here for more than 3 years already. I went to vacation every year and sometimes every 6 months but all are normal no one catches me the immigration here in GCC and there in the Philippines (which the BILKISH CROCS use to tell me many times that I'm having hold departure order in GCC countries at the same time in the Philippines - for sure all are lies since I am here and going to have my vacation again soon :)) I use to call me here in my mobile and send me lots of emails na paulit ulit lng sila sa mga sinasabi about my debt. Luckily they already stopped calling to my house and going to my house because I told them I will sue them in court if they did that again...and it works naman...hehe...Sabi ko u have my number and email address so better talk to me...Minsan hdi sila tatawag for long time (let say 3 months) them bigla magpaparamdam ulit at mangungulit na bayadan mo ung loan mo at threatening you again. I just stay calm and told them I owe nothing to you so kung meron man ako utang sa kanila ako magbabayad at hdi sa inyo. Dinadaan ko na lng sa biro pag tumatawag sila...Sabi ko o kamusta na ang mga taga bilkish hdi pa ba kayo nananawa sa kakatawag sa akin..dahil wala naman ako ibabayad sa inyo kahit isang kusing..hehe..kung makapal ang mukha nila e mas makapal ang mukha ko dahil wala naman ako utang sa kanila...I already call the bank regarding my case and what they have told me, only me can clear my liabilities to them...No one can ever give me clearance except the bank and to make this happen I need to go personally to the bank or either one of my relatives or co-maker from UAE will go their and settle it for me. Wiling naman ako magbayad sa kanila pero as of now I have no way, I will not trust any of the BILKISH CROCS to have my money without any assurance that I will clear from the bank...Anytime soon I will be having my next vacation and as always I will enjoy it with my family back their in the Philippines...I'm just waiting for a right time to sue all BILKISH CROCS...i'f they still continue to cross their lines at kapag pinuno na nila ang salop ko...dapat ko na silang kalusin...hehehe...hope you learned from my experience dealing with these collection agencies...
    Once again thank you banker and to all of you who read these posts...Just email me if you have some questions or you want to follow my case to BILKISH. My email is ronald.mercad2@yahoo.com...

    Ronald

    ReplyDelete
  122. Hi Mr.Banker,
    I have the same situation with the others,CC! Ns qatar ako ngyon at 2 1/2 yrs n q d nagbabayad ng cc ko.khpon nkreceved aq ng msg from a friend kung san aq dti nktira n nktanggap daw sila ng note from the DILG asking me or my family to go to OWWA office to know the prob.By the why written on the note was the name of the OWWA employee as well as her contact number.so pntawagn ko s sister ko yung number taz sb daw s knya nung LIZA ABAD n meron daw nanghingi ngtulong duon s OWWA about my CC/LOAN at magfifile n daw ng case skin ung arabo n kasama nung girl.Tanung ko lng pede b tlg ako ksuhan n g gnun gnun nlng? waiting for response.at Nkikitulongn ang OWWA ngyon s knila?

    ReplyDelete
    Replies
    1. hehe grabe tlga mga kolektor lahat ng paraan ginagawa magkapera lng,ano nman ang magagawa ng owwa dyan,kung totoo ang mga sinasabi nila bakit hindi nlng sila magdemanda,wag kayong maniwala sa mga kolektor na yan,hangang impyerno kasinungalingan ng mga yan (BILIKISH at ENZI).

      Febby

      Delete
  123. hi mr banker
    mayroon di po ako p-loan at cc sa qatar noong 2008 now po dito na ako nag work sa saudi ngayon po naemail sa akin ang uncle na may kasamang demand letter ng bilkish na nakasaad kung d raw ako makabayad magfile daw cla case sa interpol at ipahuli ako or ipadampot at ipakulong.Kng sakasakali man maari ba ako puntahan ng interpol at dalhin sa qatar para ikulong doon
    /pls reply

    aljhun po

    ReplyDelete
    Replies
    1. aljhun,
      please read again.
      saan po ang hinde mo ma-clear?
      I would gladly clarify it for your sake.
      ;)

      Delete
    2. hello po Mr Banker,
      si aljhun po ito, ganito po yun, noon 2003 up to 2008 nagtarabaho po ako sa qatar,nagloan po ako at may cc din 35k riyals lang naman at i almost paid in 2 years and 10 months for 4 years to pay wla ako palya sa pagbayad.2008 umuwi po ako nagpaalam pa nga ako sa banko (commercial bank of qatar)na magbakasyon po ako pinahintulotan naman po ako ng banko na magbakasyon.Umuwi po ako sa mindanao taga butuan po ako,d ko naman akalain na nasa worst condition na pala ang mother ko which is colon cancer pala di lang nila pinaalam sa akin baka maapektohan ang trabaho ko,noong nakita ko mother ko na payat na at may taning na ang buhay.After 45 days vacation tumawag ako ng kompanya kung saan ako nagwork,humingi po ako ng extention ng vacation ko 3 weeks lang ang ibinigay ng manager ko,pero umabot ako ng halos 3 months kasama na ang bakasyon ko lahat dahil namatay ang mother ko.Tumawag uli ako sa kompanya na babalik na ako pero nagresign na pala ang dati kong manager ang nkasagot sa akin yung bagong manager sabi sa akin WHAT EVER TRANSACTION TO YOU WITH MR KELLEY WAS CANCELLED, I AM NOW A NEW MANAGER NEW RULE NEW MANAGEMENT kaya d na ako nakabalik sa qatar.D agad ako nakaalis ng dalawang taon sa takot ko na makulong dahil tumawag ang uncle ko sa las pinas manila na may naghanap sa akin utang ko raw sa qatar kailangan kong magbayad tga bilkish daw cla representative ng CQB magfile daw cla ng kaso kulong daw ako pag di magpakita sa kanila kaya ako nakapagtrabaho sa philsaga mining sa bayugan 3 pero ang hirap ng buhay pati asawa at mga anak ko naawa ako sa kanila hanggan sa may nag offer sa akin ng trabaho dito sa saudi through email, nilakasan ko lang ang loob ko.Sa awa ng dios nandito na ako sa saudi magddalawang taon na,Last week Nag email sa akin ang uncle ko na may pumunta mga nakamotor at private car may demand letter na dala taga bilkish daw cla.umabot na sa 78k ang loan ko kasama charge at interest with in 5 days daw ma seattle ko, saan naman ako kukuha ng ganoon kalaki kung d raw ako maka bayad magfile daw cla ng case sa interpol at ipadampot dito sa saudi at dalhin sa qatar o sa uae para ikulong. Nagpahabol pa ang bilkish na ipaalam daw nila sa CQB na nandito ako sa saudi.
      Tanong ko lang po maari bang mangyari sa akin ito na makulong po?
      Salamat po aljhun.

      Delete
    3. wag kang maniwala sa sinasabi ng MILKISH(BILKISH) na yan,lahat kasinugnalinga,dami dito na memeber na kahit isa ala wala pa akong nabasa na nakasuhan,kung magkakaso ba sila kailngan ipaalam pa sayo?dba hindi na,kahit nga government ng UAE inaamin nila na mahirap maghabol ng may utang pag sa labas na ng UAE eh sila pa kaya na mga nangungumisyon lng hehehe sbihin mo sa kanila bka tulog pa sila nananaginip lang hehe

      Febby

      Delete
  124. Hi Banker,

    ask ko lang po, kasi may maiiwan akong mga utang (loan & credit card) dito sa abu dhabi kasi magreresign ako dahil buntis at gusto manganak sa pinas...

    ang problema ko:

    1. since citibank and hsbc ung nautangan ko dito s abu dhabi, and may citibank and hsbc din sa pinas, may chance bang magcoordinate yung bank ng uae sa bank ng pinas para mahunt ako sa utang ko. kasi may outstanding balance ako sa pinas ngaun sa citibank at hsbc, na babayaran ko naman.. pero natatakot ako baka ipasa ng foreign bank nila ung utang ko dun dito sa pinas which is di ko na makakaya.. possible po ba yung mangyari?

    2. di pa kasi ako nakakaalis dito, wala pa naman akong default account sa mga utang ko dito and updated lahat ng cc accounts ko.. pag nagresign ako icancel nila yung visa ko.. pag kinancel ng company ko yung visa ko, may chance ba na iinform nila lahat ngbanks kung may utang ako at mahold ako sa airport?


    thanks po!

    ReplyDelete
    Replies
    1. Riyonna,

      naitanong ko na yan dito sa citibank satin,ang sbi nila wala silang pakialam sa utang mo dun dahil dun mo yun kinuha at dun ka rin dapat magbayad hindi sa mga collection agency dito na naniningil,wag ka lang babalik kung saan ka may utang,

      2. kung andyan ka pa sa abu dhabi kailangan lng updated ang bayad mo hangng makaalis ka, kagaya ng mga nagbabakasyon pinapayagan nman kasi update sila bayad,pagnagresign ka ang pagmay loan ka cgurado mag inform ang employer mo sa bank dahil yun ang agreement na pinermahan mo,pero kung hindi nman yan loan na kinakaltas sa salary mo alam ko ala prob. kasi may friend husband ko na nakalusot nman sa airport...magtanong tanong k nlng ng ibang details.

      Delete
  125. has anyone dealt with a lady called Charissa from Bilkish?

    http://www.resume.com/charisesunglao

    she bombarded each all of our global offices worldwide with an email looking for me, announcing the amount I owe the bank in the UAE... Just wondering if her act can be counteracted with any actions or what would be the best approach to deal with her.

    Please advise..


    KYC

    ReplyDelete
    Replies
    1. KYC,

      kung ako sayo humingi ka ng advice sa lawyer,nakita ko na sa fb yang charissa (CHA SUNGLAO) n yan,bka mas matalino ka pa sa knya sa hitsura pa lang,never kang makipag usap sa knila about sa cc mo kasi mga bastos sila,wala k nman utang sa kanila at wala nman silang magagawa sa utang mo,hayaan mo silang tumawag ng tumawag at magbanta ng magbanta lahat lng nman kasinungalingan yan.

      Febby

      Delete
    2. Febby,

      thank u sa response. im just thinking kng pano mpapatahimik ung pamamahiya nila sa ganitong kaso.

      any ideas or proven counter-attack para mapatahimik tong si Charissa? im sure d to titigil dahil ilang beses na nya ginawa sa office at pati sa receptionist namin sinabi ung utang ko. ngayon, she went global.

      just wondering kng ano mabuti para ma-kontra ung pambabastos nya.

      Delete
  126. (devillaugh) What goes around comes around ika nga

    ReplyDelete
  127. (devillaugh) What goes around comes around ika nga, kung ano ang ginawa mo babalik sau...... be safe

    ReplyDelete
  128. Hello Banker...I also had CC's in Dubai which were left unpaid... they have traced me in fb, and start sending msgs to my connections...i have to delete my fb account to stop them from sending to my friends, but i feel that they are still very eager to get money from me. they went to our place in Bulacan, called the brgy captain, who knows my father, and asked helped from brgy captain to get some money. i am out of Philippines, so they cannot trace me physically. as much as i would like to pay my debts, they are giving me a bigger balance, more than double or even double to be paid for...unbelievable.. even for like 2,000 dhs of credit, they were so eager to haunt me.. now, the 2k dhs, is equivalent to $7k... what will i do?! thank you.

    ReplyDelete
    Replies
    1. what would you do if alam mo na niloloko ka lang pala?

      Delete
  129. hello mr. banker,

    tanong ko lng po, dati po ofw sa dubai mula 1995 hanggang 2000, ngaun po hinahabol ako dito sa saudi ng bilkish tungkol sa hindi ko nabayaran loan sa dubai ito po mahigit ng 10 taon, ang nangyari po sakin duon ay nakulong ako ng 2 taon dahil sa napagkamalan ako at ibang tao ang hinahanap nila, ganun pa man ay kinulong nila ko sa loob 2 taon. pagkatapos ng madaming hearing ako pinalaya at agad pinauwi ng pinas. ngaun po ay hinahabol ako ng bilkish dito din sa gulf at pilit na pinagbabayad sa hindi ko nabayarang loan.ang pagkakalam ko po ay binayad na ng dati ko kumpanya sa dubai ang lahat ng benefits ko. sa ngaun po ay panay ang e mail sakin ng bilkish. meron po ba sila karapatan i hold ako sa immigration dito sa saudi. meron pa po ba sila karapatan habulin ako at pagbayarin sa nainwan ko loan? sa kabila ng nangyari sa akin sa dubai. anu po ang aking gagawin? sana po ay mapayuhan nyo agad ako.

    salamat,
    alvin

    ReplyDelete
  130. good day banker,

    hinihintay ko po ang inyong reply, meron din po ba sila karapatan mag file ng kaso dito sa saudi?
    please reply.

    tnx alvin

    ReplyDelete
    Replies
    1. http://failuretopaycreditcard.blogspot.com/2010/08/dubai-debts.html

      or you can use the buttons found there - - - - >

      Delete
  131. Dear Banker,

    gusto ko rin po sana magshare and humingi ng advice regarding sa CC ko way back January 2006 amounting to 3000aed(Dubai-EmiratesNBD. sa sobrang liit ng loan 1 year lang ung validity nung credit card. Active po ako naghuhulog noon pero August 2006 opportunity knocks and nabigyan ako ng privilege na magtour sa London with relatives at di na ako bumalik ng UAE, kahit nasa london na po ako dko pa rin nakalimutang maghulog sa credit card ko, 2 or 3 months din ako nagpapadala sa tita ko in dubai para i-deposit sa account ko kaso dumating ung time na stop ko nlng daw kc d naman na raw ako babalik ng UAE.pumayag ako sa sinabi nia. July 2012, pinatawag ako sa munisipyo namin at may tumawag daw roon na taga OWWA,tinanong nila ako kung ano ba ung naiwanan kong problema sa Dubai?ang pumasok sa isip ko eh ung pag exit ko sa Dubai na hindi nag file ng resignation sa dati kong kumpanya. Nagbigay cla ng mga number na pwede kong tawagan. BILKISH daw, nung una wala ako idea, ako nman etong c tanga nagpaloko sa mga pananakot nila,kaya nag start nnaman ako mag deposit ng pera same account pero 300aed per month kc wala akong job.Akala ko okay na,hanggang sa nagdedemand na ang Bilkish ng "one shot" deposit na 5000aed kaso dko pa kaya.sa e-mail na sinend nila sa banko eh nakipag arrange pala cla ng discount for me, and ako nnaman itong c tanga pumayag sa 5000aed pero nung naniningil na dko pa rin kaya sabi ko kaya nanggagaliiti na ang mga taga BILKISH.Tumawag ang recovery team ng NBD asking bakit daw ako pumayag sa one shot. Now the recovery team would want also that amount on the 20th of November or else i-Interpol na raw nila ako. I asked for an Statement of Account kc right ko rin naman na malaman ung exact amount ng outstanding balance ko but then i got no reply from BILKISH and NBD when asked for my SOA since.maybe after the 20th of November pag dko nasettle ung account and they'll start calling again. Banker, I think I have the right for some consideration kc nga Housewife lang ako and no Job.Pero matigas pa rin sila. So I went to Central Bank just this afternoon and asked if the Bank from NBD can really asked the help of the INTERPOL for my case. The bank assured me na walang ganong case, only those people who are a threat to our National Security can be on the list of the Inpertpol. although Central Bank only focuses on local creditors, they adviced me to check BILKISH company sa DTI, and yes.Registered company ang BILKISH pero wala clang power to collect unless walang kasong naka file. Don't sign anything if I weer you guys. So kung hinaharass kau ng BILKISH, pwede kaung magfile ng complain sa DTI para matakot cla na mawalan ng lisencya and please ask Bilkish na all conversation are better off sa e-mail i-daan para may record kau for harassment. Kasi kung phone lang,pwede lang nila i-deny. Still, naghuhulog pa rin ako sa account ko pero i lowered it nlng to 100AED hanggang sa ipadla ng Bank ang Statement of Account ko and formal arrangement na installement.Kung d cla papayag then the HELL with them!
    mag-update nlng po ulit ako Banker if I got reply from the collecting sides. Thanks Banker.

    ReplyDelete
    Replies
    1. @NYL12

      Ako naman. nag ask din ako ng statement of account from one of the bank sa dubai, sabi nila una hirap at matagal daw kunin ung statement of account kaya habang nirerequest daw ang SOA, magbayad na daw ako. nag insist ako na kelangan ko ang SOA. but after 1 day lng nag send sila ng SOA. pero duda ako sa SOA nila fonts, logos iba dun sa original na SOA...

      Ask ko lng pano ko talaga maverify ung SOA kung totoo na galing sa bank talga.

      thanks

      Delete
  132. Thanks anonymous!

    Banker, ask ko lang my husband will stay here in abu dhabi and i will leave with unpaid credit cards . May possibility ba na siya ang habulin?

    Thanks po.

    ReplyDelete
    Replies
    1. Thanks banker! My possibility ba na ipakulong siya for my debt?

      Delete
  133. hi banker, i have a difficult situation po. my car was stolen last year and it's under financing. i tried selling it to a guy and gave me post dated cheques but when i counted it kulang sabi nya babalik daw sya kasi nagmamadali, i checked the account and his home address all were fraud and non existent. now, nde ko na po naasikaso mag file ng kaso and insurance coz inabutan na po ako ng pag alis ko ng bansa. the bank has been hounding me ever since. wala po akong nakapasok na cheque sa mismong bangko dun lang po sa parang agency nila na naghahandle before ng downpayment and tumalbog na po ang ilang coz nawalan po akong trabaho.

    ano po ba ang kaso ang pwede nilang maisampa sa akin? at mahuhuli po ba ako sa immigration or airport at nde na rin po ba ako pwedeng umalis ulit?

    ReplyDelete
  134. Hello Banker dati akong ofw sa ksa at may cc at loan ako ngayon nahanap nila tinitirhan ko thru bilkish nag email rin sila sa dati kung asawa sa ngayon sya ay nasa ksa at alam ng bilkish na nandun sya ano ang dapat kung gawin para hindi na lang sya madamay? gusto ko na rin ayusin sana eto help me banker salamat po.

    Worried lady of pampanga

    ReplyDelete
  135. Hello Banker dati akong ofw sa ksa at may cc at loan ako ngayon nahanap nila tinitirhan ko thru bilkish nag email rin sila sa dati kung asawa sa ngayon sya ay nasa ksa at alam ng bilkish na nandun sya ano ang dapat kung gawin para hindi na lang sya madamay? gusto ko na rin ayusin sana eto help me banker salamat po.

    Worried lady of pampanga

    ReplyDelete
  136. hi banker.. question lang, hinaharass kmi ng bilkish na yan for the unpaid debt ng brother in law.. thing is hindi nmn dito ang residence nila at nag padala sila ng tao dito para i CI yung bahay namin. ang pag kakaalam ko, hindi naman namin sya immediate family member regardless kung asawa sya ng kapatid ko. Yung BLESS na tmtwg dito was accusing us of being criminal etc etc. May sakit sa puso ang mother ko and she had an attack dhl sa kktwg ng bilkish na yan.Gusto namin silang i pa blotter or request the court to issue a TRO. Would it be possible?

    ReplyDelete
  137. why dont you get a police at huliin mo for extortion/undue vexation si bless dito:

    Bilkish Loans & Credits Outsource Services
    Address: 317 Gateway Centre, Paseo de Magallanes, Makati City, Metro Manila, Philippines

    ReplyDelete
  138. Mr. Banker,

    same problem here with Bilkish,
    Got 2 HSBC CC from UAE and left unsettle, Now Bilkish is running after me...naniningil...
    After negotiation naging 50% nalang utang ko...pricipal amount nalang but need to settle by single payment hanggang Feb. 21 2013 (Parang promotion lang raw nila)

    They give 2 account number for my 2 CC, sabi yun raw yung Account number ko sa HSBC...nagtataka ako, yung last 4 digit ng account na binigay nila is iba sa last 4 digit ng Card ko..
    ano pong ibig sabihin nun Banker...Advise naman po bago lang d2...

    Roman Tagalog


    ReplyDelete
  139. Dear banker,
    Isa ako sa mga may problem po regarding credit cards in Dubai may visa card ako sa Masreq and ANB sa dubai nung nagstart akonng magwork sa dubai last 2003 to 2005 from 2004 up to 2005 may credit card po ako but nung magkaproblem po ako sa company at naterminate na contract ng kumpanya ko sa isang project imidiately kailangan kong umuwi agad ng pinas policy ng kumpanya yun dilang ako lahat kami ng sa project nayun napauwi from 2005 up to now 2013 wala nakong idea kung magkano na utang ko sa 2 visa card pero from 2008 hinahabol nako ng bilkish at gaya nga ng mga istorya sa blog nyo diko na pinapansin ang bilkish awa naman ng diyos tumigil narin sila pero last january 2013 up to february 2013 diko lang sure kung san nila nakuha imporsyon tungkol saken nasa saudi ako nung panahon nayun eh nakontak ako ulit ng bilkish at sabi pahuhuli daw ako at pwede daw nila akong ipakulong kasi may power daw sila sa GCC countries lalo na sa saudi tamang tama naman at patapos na kontrata ko sa dati kong kumpanya kaya nagpasya nalang akong umuwi ng pinas tanung kulang po may power po ba ang bilkish na ipakulong ako sa saudi? tapos may isa pang problem habang nandito po ako sa pinas may dumating sakin na letter final notice daw at demand for pament galing VISION CREDIT & COLLECTION SERVICES,INC sa pasay counter part ng masreq bank at naghain daw ang masreq bank ng criminal charge saken tanung kulang kung may power silang ipakulong ako? sana po masagot nyo tanung ko salamat po

    ReplyDelete
    Replies
    1. sir gandang araw po,paki check nyo po itong site na ito..http://www.thenational.ae/news/uae-news/bouncing-loan-cheques-in-the-uae-no-longer-a-crime.

      Delete
  140. Hi po sa lahat,may nabasa po ako sa website about sa mga unpaid debt sa uae.try nyo po itong link na ito..http://www.thenational.ae/news/uae-news/bouncing-loan-cheques-in-the-uae-no-longer-a-crime..para maka tulong sa peace of mind ninyo.

    ReplyDelete
    Replies
    1. Thanks sa info na to! Nakagaan ng buhay nmin! :)

      Delete
  141. Hi Banker, umalis po ako ng Dubai 2008 dahil nalipat ako sa ibang bansa para mag-trabaho. Bago po ako naka-alis ng Dubai, ang buong gratuity at last salary pay ko ay kinuha ng National Bank of Dubai na nagpaalam na kukunin nila dahil hindi ko daw pwedeng isara ang account ko dahil sa personal loan. Pumayag ako at yon ang naging kabayaran at personal kong naka-usap ang NBD Personal Loan Agent na mag-babayad ako hanggang matapos ang loan ko provided may update ako ng account via email. Bago maubos ang pondo ng 2009, nag-email ako sa NBD Loan Account Agent na huli kong personal na kausap noon 2008 at sa telepono noon 2009, kung magkano ang balance na dapat bayaran. Hindi nya ito nasagot sa loob ng 4 na beses kong email at 2 beses na tawag. Basta daw mag-bayad lang ako sa account ko para ma-close ang personal loan. Nalingat ako sa pag-tugon sa dahilan sa mga iba pang priorities sa araw-araw na gawain. Taon 2010 may mga NBD Credit Loan Agents na iba ibang pangalan ang naniningil sa akin at iba-ibang amount number na dapat ko daw bayaran ang personal loan ko. Ganoon pa rin ang tanong ko na magkano ang balance ko at hindi na ako dapat pang lagyan ng interest dahil mayroon akong intensyon mag-settle ng loan. Walang naka-sagot sa akin ng maayos, hanggang naka-tanggap ako ng email na papupulis ako sa Pilipinas at iistorbohin ang pamilya ko. Nag-email ako sa huling Loan Collection Agent na bigay sa akin ang tunay na Bank Personal Loan Collection Manager para ma-settle na ang agam-agam ko. Wala na naman akong natanggap na sagot sa email ko. Taon 2011, nawalan ako ng trabajo dahil sa US recession at nag-trabaho ng kung ano-ano lang sa sarili kong bansa para maka-survive sa araw-araw na gastusin. Taon 2012, nag-email ang Bilkish Collection Agency na halos Dirhams 300 thousand plus daw ang babayaran kong utang. Laking gulat ko dahil hindi ko nman nakuha itong pera at kung delinquente ko mas delinquente ang bangko. Ngayon 2013, papupulis na nila ako at isasampa sa korte ang loan case ko dahil lumaki na nman ang amount dahil sa interest. Intensyon ko prin bayaran ang loan ko hindi sa isang bayaran at hindi sa amount na halos million pesos na! Hindi po makatarungang ganoon kalaki ang bayaran ko. Ano po ang karapatan ko sa ganitong situasyon?

    ReplyDelete