Sunday, March 05, 2017

House Visits




When a collector says "they will visit you",
eto po ang kanilang ginagawa:

1. deliver ng "demand letter"  ( pirmahan mo lang kahit ilang beses sabay tapon!)
2. paka-usap sa iyo thru cellphone si "atorni" or si "bisor" ( COERCION is a criminal case)
3. pose as "pulis" ( Usurpation of Authority is also a criminal case)
4. pilit papasok - ( that is Trespass To Dwelling/Robbery)
5. other pretensions ( may "authority" ba sila?  SWINDLING is a criminal case)

Ayan, ano pa ang iyong kinatatakutan?

264 comments:

  1. Good morning po... i've been a defaulter since 2013.. and just today a certain darwin cruz of aiquon under atty punzalan visited our home refusing to leave without being able to talk to us.. he was already talking at the top of his voice just to speak to us daw.. anyway he gave a letter with for case filing stamped on it.. he travelled all the way from manila to our province just to do that... he said we need to call atty punzalan tomorrow otherwise a case will be filed.. he also said that standard chartered bank has been sold to aiquon so all debt collections will be done by them.. he aslo said that he listed all the assets he has seen.. sabi ko sa knya go ahead and investigate kung kanino lahat nakapangalan properties kc none of jt is named under my husband.. thanks po.. grabe matapang si darwin cruz...

    ReplyDelete
    Replies
    1. hinde naman yan matapang kung tumawag ka ng pulis.
      where is his authority?
      top of his voice?
      alarm and scandal is a criminal case too!
      lol!

      Delete
    2. @Distressed lady, hi if ever the crazy collector calls tell him you will have him blottered for violation of r.a. 10870
      -fyi if bank was serious to file a case, it should have happened loooong ago
      kotong-collectors were trained to harass defaulters and ca are bunch of liars
      -so pls. continue to move on

      Delete
    3. Distressed lady,
      Saan po province natin?
      Manila to province? mahal pamasahe :-)
      Matapang? sa phone lang sila matapang

      Delete
    4. mukang kolektor yang distressed lady.hahahaha.from manila to province talaga ha.

      Delete
  2. Hi, banker...itong opisyal sa barangay namin ang kulit gusto nya akong patawagin kay atorni o di kaya kay PO pulis pra kausapin regarding sa bench warrant pra sa akin...eh wla akong oras pra tumawag at ayokong ma stress...pero and mama ko naman na stress kasi pinuntahan pa sa school nang mama ko and barangay opisyal...nakakahiya talaga at dun pa sa school ha...paano po ba gagawin sa kanila banker?..pabalik balik na lng...hahay!!!

    ladystress

    ReplyDelete
    Replies
    1. sabihan mo na lang na wala kang load, or tinawagan mo na.
      ask him what bench warrant?
      pag-huhuliin ka ba, ipa-alam in advance?
      common sense.
      lol!

      Delete
  3. Hello banker! 2 months palang po akong hindi nakaksettle does it mean na defaulted na ung cc ko? May tumatawag po kasi saaki to settlle atleast 7k 100k po ung bal ko with Metrobank from dynamic daw siya if ever po na mabayaran ko ung min. Amount ko within the month babalik pa po ba sa bank ung account ko? Thank you hope for your response

    ReplyDelete
    Replies
    1. @Kaye, hi there are banks na mabilis na mag-endorse ng account sa 3rd party collector and from what i know like with bdo if defaulted for one month, it will be the 3rd party ca who will follow-up payments, but once paid, your account will be current
      -so just check with mcc kung endorsed ka na sa kotong-collectors and malamang sa hindi bloated na yung defaulted amount mo bec. of the unreasonable surcharges

      Delete
  4. @banker ang MCC ca po ba grabe mang harras? Natatakot po kasi ako recently na default CC ko nasa 100k po un nawalan po kasi ako ng trabaho kaya hindi ko nabayaran min. amount due ko for 2 mos... help po natatakot po kasi ako s mga nababasa ko na nagpapanggap sila na police baka po kasi parents ko maabutan nila sa bahay eh may sakit po sila pareho. Thank you

    ReplyDelete
    Replies
    1. why don't you orient them na maraming akyat-bahay na swindlers ngayon?
      lol!

      Delete
  5. Banker may pumunta na po csi agent sa work q nagdala ng demand letter and asking kung ano na gagawin q sa utang.. nun sinabi q po na gipit aq ngaun at wala aq pambayad sa ngaun may pinakausap sa akin sa cp.. e dahil po dito sa blog nyo mejo alam q na po paano sumagot cnabi q po na sa korte na lang po dalhin tutal po pinipilit nila aq magbayad ng certain amount that day din mismo..
    Pero nun nakita nila na firm aq sa cnabi q na wala aq pambayad umalis na lang po cla ng wala paalam.. cnabihan q po mga kasama q na pag may naghanap sa akin sabihin po na nakaleave aq at nun one time po na may bumalik at hinanap ako ( iba agent na naman po ang pinadala nila) ako po mismo natanong nya ang sinagot q po sa kanya na wala un hinahanap nya nakaleave.. ganun po ng ganun ang gawa namin pag may pumupunta.. tama po ba move q? Public school teacher po aq worried po aq baka makaapekto po ito sa work ko if hindi po ngaun baka in the future po.. pls.enlighten me po.. thank u po..

    ReplyDelete
    Replies
    1. kung naka-leave, di babalik at babalik din yun?
      why not face him and tell him what you told him before - let's meet in court para legal lahat!
      lol!

      Delete
    2. Yes banker.. tnx po sa response ung mga kasama q even told me na nxt time sasabihin nila na lumipat na aq school at hindi nila alam saan.. ung question q po na baka makaapekto po ito sa work q as a public employee?

      Delete
    3. affected ka? ONLY if you let them scare you. lol!
      as I said, YOU scare them - let's face in court, or,
      tawag ka ng pulis for grave threats,libel, swindling, undue vexation - daming puede ikaso dyan para makulong.

      Delete
  6. @banker ung restructuring po ba sa bank dapat ako makipagcommunicate? Or sa CA? Help here po zero knowledge ako

    ReplyDelete
  7. Hello po ms.cherry i need your advise po .. regarding sa nareceived kong letter from rtc makati.. civil case po

    ReplyDelete
    Replies
    1. @miss.blocker777
      hi you will only attend the hearing when:
      a. you have the extra money to get yourself a lawyer (granting na si ka illegible sa pao lawyers) acceptance fee is about 20-50k and appearance fee about 3k
      b. when you want to question the defaulted amount
      whether you attend or not resolution is to pay the bank, court can only confirm the defaulted amount but cannot compel you to pay (lalo na`t you don`t have the extra money to pay) and alam mo ba even the sheriff will tell you to prioritize your needs say education of your kids kung ipapangutang mo pa pang-bayad sa bank...
      no big deal about the sum of money case, no effect on your nbi/police clearances and you can get a visa if you need to travel
      empty victory for the bank pag walang pambayad and bank accounts si defaulter
      hope this helps

      Delete
    2. hi ms cherrylou,kakatanggap ko lang po ng call which caused a lot of stress on me. sabi po taga philstar daw po yun at ipapublish dis coming sunday un notice to the public that i violated article 315 ng revised penal code. wala naman po talaga ako balak takbuhan wala lang talaga po akong maibayad. lubug na nga po ako sa utang dala ng pagkakasakit ko last year at until now naghuhulug pa rin po sa hospital. one year na po ako di nakakabayad sa eastwest, metrobank at maybank. meron po akong hinuhulugan na metrobank on, 3 mos na lang ang kulang ko pero di ko na rin nabayaran pa.

      me nirefer na lawyer si mr isaac del monte (ng publishing ng philippine star daw) hindi ko pa ho ma validate kung nag work nga siya dun pero sabi ng mga officemates ko bluffing lang daw yun. pero dahil nangarag at natakot ako na madiyaryo ako eh kinontak ko na po yun lawyer daw,, Rany Sia (i checked the IBP me rany madrillejos sia of camarines chapter ang nandun). kinausap ko atty sia kung pwede settle out of court na lang at wag na ipublish ang name ko... he agreed basta magbayad daw ako ng at least 10K or or before march 25, eh pumayag na lang po ako para lang hindi ako ma publish, nagtatrabaho po kasi ako sa govt.at kahiya hiya po talaga. naka file na din daw sa RTC makati for estafa nga. pero base sa mga nababasa ko dito sa blog ninyo malamang pakana lang din ng CAs yun... pero grabe po talaga ang panakot nila! me time nga din po na nagpunta pa sa opis namin at halos ipahiya ako sa mga tao na kung ano ano na ang sinasabi pero isinumbong ko siya sa opis nila at hindi ko na narinig pa uli ang pangbabastos nila (metrobank CA). Ms Cherry and Mr Banker please help me!!! thanks po... Armand po ito

      Delete
  8. @cherrylou nakausap ko po kanina ung CA collector nice naman po siya from dynamic solutions pk. Bale ung card ko po kasi naenroll onlibe sa metrobank on so nakikita ko po kung magkano ung minimum amount to pay so tinanong ko siya kung babayaran ko po ba ung minimu amount babalik ba siya to active sabi naman po niya na temporary lang naman daw ung default. Totoo po kaya un or baka mapunta lang sa wala ung ibabayad ko. Kasi plano ko naman po talaga na bayadan untiunti kasi may work na po ulit ako

    ReplyDelete
    Replies
    1. @Little Ms. Stress, hi how long have you defaulted mcc, if you have defaulted for about 3 months, the nice ca is trying to pull your leg and di na po sya magiging current
      if you pay say a certain amount... maho-hold lang ng ca ang account mo sa kanila and now if you are not willing to arrange for their repayment program... promise mapu-punta sa wala yung ibinayad mo...

      Delete
  9. Hi po,

    Meron po akong BPI card na hindi ko na mabayaran, mga 400k din po yun, okay naman sana ako i restructure kaso ang laki ng add on nila per month for 4 years.

    Iniisip ko po d magdefault po ako, pano po kaya nito maaapektuhan ang:
    1. Car loan ko na priority ko as of now kasi gamit ko sa work (ibang bank)
    2. CC ko sa ibang bank na gusto ko sana ikeep kasi kaya ko syang imaintain.

    Thank you po sa sasagot!
    - Xtian

    ReplyDelete
    Replies
    1. no problem naman yan.
      did you know that the court will let you pay in installments? pay when able?

      Delete
    2. Hi Banker,

      Thank you for your reply, gusto ko sana bayaran kaso 2% add on per month for 4 years wala na talaga matitira.

      Natakot lang po ako baka macancel yung isa ko pang CC or maapektuhan car loan ko (and checking account that is used to pay my car since nilalagyan ko lang sya when I pay my car)

      Delete
    3. So di po nila mapapasara ung isa kong CC na isa kong gamitin?

      If mag file sila ng case po at nagkawrit, di din po ba maapektuhan ung checking account na gngmit ko pang hulog sa car?

      Thanks banker..xtian

      Delete
    4. hi just to share a thought
      a. active card with other card will not be affected
      b. car loan with other bank will not as well be affected
      now if ever there is a decided case for sum of money, not sensible to keep bank accounts savings/time/checking accounts
      so if ever arrange with the bank where you have the car loan that you will pay in cash over the counter
      -normally they will give you number of days to pay before the due date para ma-pull out nila yung pdc mo
      hope this helps

      Delete
    5. Hi Xtian. Mahirap talaga kapag may utang. Most of the time nakakapraning. We are the same. Mine is 260k bdo 150k metrobank. Medyo malaki defaulted amount natin. Buti na lang may ganitong blog ang ms cherrylou and banker are always there to make enlighten us. This blog is very informative. Nanggaling na ako ng PAO and same lang sinabi sakin. Keep us updated ano mga gagawin ni BPI sa 400k utang mo. Malalampasan din natin to may awa ang Diyos. And lesson learned not to use cc we cant pay.thanks ms cherrylou and banker.

      Delete
    6. Nancy,
      Hindi ka nag-iisa :-)
      Have faith on HIM...
      Better reflect: Forget the debt not the lesson :-)
      Debt is not a crime. If unpaid, its a violation of certain conditions of a Contract or Kasunduan.
      Just like our marriage contract :-)

      Delete
    7. Thank you for your replies, so khit ung checking account ko na every due date ko lang nilalagyan ng payment for the car hindi ko na din magagamit should there be a writ?

      I'm scared lang because I've read that BPI is notorious in filing cases and tbh I am very much willing to pay sadyang hindi na kaya for now and for the add on rates na meron sila..

      Xtian

      Delete
    8. Xtian. For now im hoping that metro and bdo will file a case against me why? Because in court exclusive of interests and surcharges plus the judge will make us pay terms and payments we can afford with minimal interests. Lahat ng sinasabi sa blog na ito ay so true. Yan din sinabi sakin sa PAO. Whats important we have knowledge on how to deal with them. Kaya super thank you that i found this blog. People here are so helpful. Or why not try writing a letter address to the bank's president. And explain your situation and willingness to pay. Kung cc debt lang no need mo na sana gawin but you have the car na maiipit just in case. Or you can go to PAO para consult atty what to do kasi different case naman ang cc debt mo at car or it depends sa terms and conditions ni bank. May solusyon yan dont worry.

      Delete
    9. Hi Nancy,

      Thank you for the reply. Nag email na nga ang admerex saken (baka meron po dito na may experience with them pa share naman po).

      Di ko pa kasi natry magpay ng car na cash ang gamit and i dont have a problem not keeping a bank account..I'm just scared na mangharrass sila sa bahay eh matanda na mom ko and sa office.

      Delete
    10. Wag mo pansinin yang email ng admerex, yung akin nga until now naka unread pa din sa inbox. lol

      Yung sa dalaw naman ay depende kung alam nila ang address mo, yung sa akin kasi di nila alam ang home address ko dahil yung address dito sa work ang naka register, once pa lang naman akong nadalaw na may dalang papel, receive ko lang. Basta pag may mang harass eh takutin mo na tatawag ka ng Pulis dahil hinaharass ka.

      Delete
  10. Ms cherrylou and banker if the defaulter did not attend hearing and no extra money to pay ano na po next step na gagawin ni bank? After po ba nyan pwedeng ipasa ni bank sa CA? same lang po ba kung sa regular court naifile ang case kc above 200k ang amount? Thanks po.

    ReplyDelete
    Replies
    1. @Nancy, after not attending any hearing, legal counsel/kotong-collector will request for judgement to be rendered and in my case the whole process took 6 months, after which the legal counsel will now request for writ of execution to be issued and again this took 2 years...well i guess this garnishment achuchu is legal counsel initiated like sila magpa-follow-up sa court to assign a sheriff to look around for the bank deposits of the defaulter... by these sheriff have soooo many things to do and it make take them a lifetime ma-garnish ang defaulter, kaya ang diskarte ni legal counsel/kotong-collector is to offer again the defaulter a discounted amount for one-time payment (well this happened to me just recently so kahit paano alam ko na galawan ni crazy collector...) and of course am not taking the offer, bank filed for a case and tapos na boxing...if i pay mawawala ba sum of money case, hindi po...so what is there to lose

      Delete
  11. hi Ms Cherrylou and Banker and the rest if the team nakareceive nanaman ako ng tawag from Molaer halatang bully mode si ate at mataas na boses ano daw balak ko sab ko wala akong balak at kubg makkpag usap ako sa bank hnd sa inyo through email sab ano daw sinabe ko sa email sab ko it's none of your business sab nya kasi naka endorse na kayo sa amin sab ko db matagal na ako endorsed sa inyo? oh ano pa... tapos binabaan ko na ng fone 1 minute ko na siya kausap at gaya ng sabi niyo the more patulan lalo tatagal usap non sense naman hehe... pero nanginginig tlaga ko nung kausap ko siya takot pa dn ako eh... tama ba sinabe ko sa kanya napaparanoid nanaman ako..

    ReplyDelete
  12. Banker, me writ of execution na po ako nareceive.what to do po?

    ReplyDelete
    Replies
    1. hi just to share some thought
      -just withdraw your money from the bank kung meron man
      as per banker exempted si payroll account
      and for peace of mind pls. google rule 39 sec. 13 rules of court

      Delete
    2. Anong bank ang defaulted mo if I may ask?

      Delete
  13. @Cha Velasco, tama po lahat ng sinabi mo... if manhid si ate at tumawag uli just tell her na you emailed bank again and told them na as much as possible you don`t want to deal with the twits (ca po yun) as they are rude and a pain in the ass.... lol

    ReplyDelete
  14. @mscherrylou,,, tumawag po ako sa bank the Customer service na nakausap ko sahi bayadan ko lang daw po ung minimum kasi temporarily on hold daw po card ko kaya lang hindi po niya masure kung hanggang kelan niya pwedeng ipahold inonote daw po niya na kung pwede hanggang friday pero wala pa din kasi akong hawak na money as of now. Baka sa friday pa rhen sabi iya kung pwede ung 15k plus ung bayadan ko today. Ano po ba gagawin ko? Tatawag po muna dapat ako sa bank to notify them na magbabayad na ako?

    ReplyDelete
  15. 3 mos po then tumawag ako ngayn sa bank to ask if kaya pa ihold card ko then sabi anytime soon daw po then nakiusap ako na kung kaya na hanggang sa friday kasi po para po atleast hindi ako mablackist... so before I made the payment dapat po imakesure ko po na tawag muna ako sa bank to assure. Tama po?

    ReplyDelete
    Replies
    1. @LittleMs.Stress, yes pls. double check with the back kung temporarily on hold pa lang card mo and paki-check how much you need to pay and till when is the grace period
      also pls. get the full name of the customer service representative
      and kung ok ang lahat make the payment and call the bank for proper posting...
      good luck

      Delete
  16. thanks Miss Cherrylou nakakakaba pa dn pero I guess gaya ng sabi niyo we don't let these twits run our life
    and wag pasisindak kasi lalo tlaga sila mambubully

    ReplyDelete
  17. @Cha Velasco, the more you entertainm them ay mas magtatagal sila sa paghandle ng account mo.

    I experienced it with Molaer na almost everyday ako kinokontak for 2 months then I decided not to answer their calls anymore.

    Naipasa yung account sa ibang CAs and what happened was almost every 3 months na lang ako nakakareceive ng letter or ng email.

    Ang worst na nangyari sakin is someone called our Barangay Captain to say na may subpoena ako. Mejo nakakahiya pero I dealt with it professionally. Nagpathank you pa ako sa Captain namin and advised him na fraud lang yun and that I'm already in contact with my bank.

    Bottomline, don't entertain them na lang.

    ReplyDelete
  18. Good PM Ms Cherrylou and Banker. tanong lang po recently someone calling me from a 3rd Party Company, nagkautang po ako nung nasa abroad pa ako d ko po nabayaran in full kasi nag end of contract na po ako at umuwi na po dito. then after 2 yrs eto na po tumatawag na po sila sabi nila makipag transaction daw ako sa kanila o d kaya direkta sa bangko para i settle. ano pong mga hakbang ang dapat ko pong gawin. tnx po

    ReplyDelete
    Replies
    1. hi if i were you i will just ignore the kotong-collectors na nag hibernate for 2 years
      defaulted bank CANNOT do anything to harm you since you`re back home
      now if you want to pay the defaulted bank overseas you can give them a call or an email... but for sure bloated na yung amount nya
      pls. put username
      salamat and hope this helps

      Delete
  19. Ms.Cherry Lou, hello
    ang dami po kasi tumatawag samin ng asawa ko about sa balance namin, atty. Ek ek daw, eh halos 13k na nabayad ko.. nung may tumawag kanina 46k pa daw ang balance namin, at sirang sira na daw ang name ng cardholder which is my husband. Gusto ko bayaran yung balance ko kaso bakit sobrang laki naman sabi ko sa tumawag, mga charges at interest daw po kaya umabot nanaman ng 46k. Ano po ba magandang gawin? pag pumupunta naman ako sa bangko, puro imemail daw muna yung sa manila na head nila.. hays ��

    ReplyDelete
    Replies
    1. hi just ignore the crazy collectors... kotong-collectors can only tell you na lumaki ang defaulted amount bec. of all the unfair penalties/surcharges (but the twits will not be able to itemize all the added penalty charges... they are not simply blessed with the intelligence, alam lang po nila is to demand payment and do some harassment para mag-bayad si defaulter
      -having gone to the bank and still giving you a hell of a time... just forget it and focus with more important things
      and pls. put username
      thanks

      Delete
  20. Good Eve sa inyong lahat... matagal tagal ding walang kotong kolektor na makulit last visit nila was January 2016. Nag sscan ako ng mga pinagbayaran ko sa restructure payment nila.. pag open ko ng email ko aba nakita ko ung email ni mark caguioa ng SP Madrid Law may one time offer na 25,600.00... so 5,600 lang pala ang total kong interest since nagdefault ako ng yr 2014?..at meron pang payable in 12months 36months. Ok sana kaso wala akong work at may heart condition pa.. tsk tsk

    ReplyDelete
    Replies
    1. Denise Summer,
      e-mail messages- simply press delete para iwas stress:-)

      Delete
    2. Ganun na nga ginawa ko hehehehehe laking tulong talaga ng blog na ito

      Delete
  21. hello po banker and ms cherrylou
    good day po. pag may bank account po ba ang na may ka and/or may posibility ba na kunin ng ca ang nakadeposit doon? ang ka and/ or ko is a friend

    ReplyDelete
    Replies
    1. Anonymous- Who you?
      may posibility ba na kunin ng ca ang nakadeposit doon?
      Answer: NO... Wag maniwala sa mga comedians :-)

      Delete
  22. hi rule of thumb is NEVER to keep a bank account where you have a defaulted cc/loans
    like if you defaulted bdo, not sensible to keep a bank account at bdo
    -ca/kotong-collector cannot get your money
    now when one has a decided case for sum of money poss ma-garnish ang bank account sa kahit anong bank
    -except payroll account as per banker
    and pls. put username after post
    salamat po

    ReplyDelete
  23. Good afternoon po. Hindi po ako nakabayad sa CRedit card ko since december 2016. Kasi po sobrang lumalaki ang debt ko even after magbayad kami parang hindi nababawasan ang passdue. Starting january may tumatawag na sa aking collection officer until kanina. Kailangan ko na daw po bayaran ang total amount na 74k and pwede daw mabigyan pa kami ng bank ng discount. Hanggang 69k ang negotiate niya. Un na daw ang mabibigay ni bpi. Hindi ko na po ito kayang bayaran. Yung hinihinge nila na 5k for 18months ang laki parin. Di namin kaya. Natatakot ako kasi lagi silang tumatawag even sa office. For your advice po

    ReplyDelete
    Replies
    1. "according to my uncle lawyer, sa court na lang daw pag-usapan para legal lahat. di ba?"

      Delete
    2. @rhai,
      Bank discount? hmm anyway bolero/a talaga :-)
      Sa palagay ko wala nakakatakot sa pag-sagot sa mga phone calls-say the magic word of banker :-)

      Delete
  24. hi.. happy to see this blog... mga 8 months n po me delays s CC ko, due to financial reason tlaa since no work po hubby ko and recently n ospital father ko, our brgy official call me, at may tumawag daw na ncrpo police na i sheriff daw house nmin tom at 11am, nag iwan ng cel at phone number, sobra naalarma at xempre natatakot po me since may sakit father ko. kindly help sa ganito case if meron . MADAMING THANKS

    ReplyDelete
    Replies
    1. hi just ignore that msg from the barangay... promise si kotong-collector lang yan na gustong mang-harass and you will not allow him to do that
      just focus on the basic needs of the family...medication ni tatay

      Delete
  25. hi.. happy to see this blog... mga 8 months n po me delays s CC ko, due to financial reason tlaa since no work po hubby ko and recently n ospital father ko, our brgy official call me, at may tumawag daw na ncrpo police na i sheriff daw house nmin tom at 11am, nag iwan ng cel at phone number, sobra naalarma at xempre natatakot po me since may sakit father ko. kindly help sa ganito case if meron . MADAMING THANKS

    ReplyDelete
    Replies
    1. Disregard mo lang. I also experienced that in January. Sinabi pa ng barangay captain na if di ako tumawag within 24-48hours ay magseserve na sakin ng subpoena. March na at wala naman ako natanggap na subpoena.
      Disregard mo lang sila

      Delete
    2. hello po! mam nanloloko lang po na CA yun. ganyan din kasi ginawa sa akin. may nag punta pa mismo na "pulis" daw sila tapos ang sabi nahuli daw ako blah blah... tapis nag iwan nag no. ng certain atty. ... same old sh*t lines po nila. mam wag na wag po kayo mag alala dahil wala pong pupunta sa bahay niyo.. pustahan po tayo.. bibigyan kita ng iphone 7 pag may nag punta jan sa inyo.. kaya relax lang..

      Delete
    3. salamat po sa mga reply, totoo wala nga po nag punta, pero sobra alarming un mga words sa kin ng police kuno,

      Delete
  26. Ano po kaya ang magandang gawin? Handa naman sana po akong magbayad but the amount po kasi is napakalaki na. Hindi na kakayanin yung offer nila na 5k for 18months. Grabe sila magnegotiate

    ReplyDelete
  27. @cherrylou thank you po for giving advise nakakaease po talaga ng stress ung mga sinasabi ninyo. Salamat po

    ReplyDelete
  28. Meron pong pumunta as Bahay Namin may dalang letter from law office na nananakot ...tapos Kunwari may ipapakausap s phone....pero di naman itinuloy... Nagdedemanda Po kaya Talaga Sila?

    ReplyDelete
    Replies
    1. Jojo,
      Demand letters- huwag ng basahin para iwas stress
      simply throw in a trash bin :-)
      CA's can't, won't and don't file cases. Nautusan lang sila :-)

      Delete
    2. Thanks Po sir dhastan...nananakot p kasi sa letter na hinahanda na un kaso....iniisip ko lang kasi 100k un credit ko sa Rcbc bnkard visa

      Delete
    3. @jojo, hi defaulted bank is quite notorious in filing for a case
      but no big deal, sabi nga ni banker just rejoice pag me sum of money case as it simply means na malapit na matapos kalbaryo with the kotong-collectors
      -pag walang pambayad, empty victory for the bank and the crazy collectors
      -i had a case and am good

      Delete
  29. I normally ignore emails and would always delete it. Just 3 days ago, nagpanic ako ng slight kasi they emailed me regarding a house visit daw kasama pa ung brgy captain namin. Mejo nakakataranta kasi nakakahiya. I don't know how to deal with them lalo at nandito ako sa Manila and sa bahay ng parents ko sa province sila pupunta. Those email threats and calls are easy to handle. Un mga house visits ang mejo alarming kasi nakakahiya sa ibang tao. I know it's the price I have to pay for avoiding your obligations siguro sanayan lang talaga. :)

    May malulupit na alibi ba kayong pwedeng sabihin lalo pag involved na ung brgy capt? For those na naka experience na nito. Thank you!

    - call center guy

    ReplyDelete
    Replies
    1. Supreme Court Cir. 14-93 ( basahin mo na lang)
      as a reminder to barangay. lol!

      Delete
    2. Anonymous-Call center guy,
      Dapat masanay ka na sa ganyang klase ng tactics ni comedians :-)
      Wala dapat ikahiya, hindi naman tayo mag-nanakaw(not being pilosopo)
      Si kapitan/a-walang paki sa utang natin only pam-barangay issue lang ang sakop nila :-)
      Wala nagawa si kapitan/a nung nakausap ko cya...I told her, it is SCAM...I would preferably bring it or settle this issue to the court para legal lahat...the kapitana became speechless :-)
      Subpoena? bakit mag-iiwan ng kapirasong papel para tawagan un number-something fishy :-)

      Delete
    3. Thanks Banker and Dhastan! That is true. Wala naman magagawa si kapitan. These collectors are using other people to scare us thinking na they can get money from us. Inaalala ko lang ung mom ko kasi she worries alot and ayokong mag isip sya ng kung anu-ano.

      -callcenter guy

      Delete
    4. @callcenter guy, promise the kotong collector is just trying to pull your leg, mahal po pamasahe sa province and cheapest way to harass defaults is to send them sms/email and demand letters thru snail mail

      Delete
  30. Hi everyone...mga isang taon sobra na di na rin ako nakavisit dito. Di na ako nagpadala sa stress and paranoia. Now, nagpapadala na naman sila ng email. Natahimik din for more than a year. Ang 10k na outstanding balance naging 90k na, may offer na 30k na lang daw one time payment and maclear na daw ako. Comments naman dyan mga besh. :-)

    ReplyDelete
    Replies
    1. @FOX: They will clear your obligation on them, but not the record that they submitted to various credit bureaus.

      Delete
  31. Off topic po sana, ask ko lang po if may possibility pa maapprove for housing loan or auto loan despite problems with credit cards?

    ReplyDelete
    Replies
    1. ann quimson,
      Thru Pag-ibig Housing loan you can avail it
      However the auto loan-problema nalang ni agent mo yan kung paano lulusatan yan :-)

      Delete
    2. ann quimson... yes you still have a chance of getting approved
      -been exchanging private emails with defaulters and they got approval kahit me defaulted cc/personal loans
      -housing and car loans are both guaranteed loans
      -pag di nakabayad bank can always get back the car/house

      Delete
    3. @ann Quimson. Yes. I got approved on my car loan and recently sa Bank Salary Loan despite of various cc default and CIC findings.

      Delete
  32. Xtian so sorry mali pala payo ko. I did not understand. Hayaan mo na lang other bank naman pla cc mo at car loan heheh..

    ReplyDelete
  33. hi banker, this is mac. nakakuha aku ng letter galing sa prime alliance recovery management inc regarding sa hsbc card ko since 2013. nireceive ko galing sa staff tapos may pinakausap sakin sa cell. hinayaan ko lang siya na lait-laitin aku. sabi ko wala tlaga akung pambayad. baka pwede terms. tapos ang kaya ko lang is 1,500 monthly. bigalang sabi sakin may pupunta sa office namin na team ni atty something regarding dun sa nireceive kong letter. pwede ko ba silang kausapin sa labas ng office ko para di makskandalo at baka mareprimand aku.

    ReplyDelete
    Replies
    1. mac,
      please read again the above article.
      alin po doon ang gusto mo i-clarify further?

      Delete
    2. i got it banker. thanks again. ill update you guys kung anu mangyayari later.

      thanks so much

      Delete
    3. @Mac, hi your kotong-collector used to handle my account and just ignore them and pls. don`t shell out money for their commission imagine nilait ka na and you will still give them the joy na magka-pera sa iyo
      if you want to pay just negotiate directly with hsbc and tell them na you don`t want to deal with their sobrang bastos na collectors... nasa higher "do" pitch ng crazy collector di ba ???

      Delete
  34. hello po 2013 palang nagpadala at tumatawag ang c.a at ako sumasagot na wala dito nakatira yung defaulter ( pero ako yung defaulter) tapos nagstop.naulit last january 2017 iniwan lng sa mailbox.tapos ngayon march nagpadala ulit magfile na daw ng case of some amount case sa rtc pasig may kalakip na annex a and b.ask ko lng ok lng ba na ituloy ko sabihin na wala na dito yung taong hanap nila kahit ako na yung kausap nila? sanny po

    ReplyDelete
    Replies
    1. @Sanny, hi if your defaulted bank was serious to file a case matagal na pong nangyari yun (like within the first year of defaulting) hey it`s now 2017
      -just ignore the crazy collector and di po iniiwan sa mailbox ang letter na me attachment na me annex a, b, c etc

      Delete
  35. hi banker.. ask ko lng kung nadedetect ba nila (mga CA), kung san ka nagwowork thru SSS or pagibig?, naglalabas ba SSS ng info about sau kung sino employer mo?

    ReplyDelete
    Replies
    1. hello sir, nung nakaraan nag visit ako sa Pagibig Fund website, meron silang annoucement... ito po siya.
      http://www.pagibigfund.gov.ph/banner/images/large/Advisory%20banner%20HL%20Borrowers%20CISA%20[2]%20(1).jpg

      Data po ang ipapasa nila, so hindi ko alam kung kasama ba ang work history sa data. pero mukhang pati pag loan sa pagibig dadaan sa CIC. (o matagal na bang proseso ito?)

      Banker, kindly enlighten us

      Delete
    2. the defaulted loans with Pag-ibig shall be reported to CIC.
      eh, nag-aapply ka pa lang?
      lol!

      Delete
  36. @Namron... answer po is NO
    me pagka-sherlock holme lang talaga si kotong-collector

    ReplyDelete
  37. Hello po Banker and Ms. Cherrylou.,gusto ko lng po sana itanong kasi naka receive ako ng summon..ask ko lng po after po ng judgement kelan po kaya sila mag gagarnish ng bank deposit mo? kindly enlighten me po.thanks

    ReplyDelete
  38. Good morning po sir Banker at ms. Cherrylou.,matagal na po ako nagbabasa sa blogspot na to dahil matagal na din po akong may utang sa credit card na hindi nababayaran..kahapon po sabi ni officemate ko may dumating po taga RTC para mag serve sa summon ko tungkol sa BPC credit card.,naka indefinite leave po kasi ako 1 year na dahil walang nag aalaga sa mga anak ko.,ano po kaya ang pwede kong gawin? Tanong ko lng di po kung gaano ba katagal bago makita ma garnish ng ang deposit account namin sa ibang bangko? Sobrang nag aalala po ksi ako. Salamat po

    ReplyDelete
    Replies
    1. @worried31803, hi if that is a legitimate summons, normally the process hearing and decision will take about 6 months (as per my experience) now writ of execution to be approved and issued will take bout 2 years
      now to be safe while there is enough time just close bank accounts (as per banker exempted from execution ang payroll account)
      and for peace of mind pls. see sec. 39 rule 13 rules of court
      -whether you attend hearing or not, resolution will be to pay back bank, now if now money to pay just an empty victory for the bank
      -no big deal po and pls. don`t worry too much
      just an end for the pesteng collectors

      Delete
    2. Worried31803,
      naka indefinite leave po kasi ako 1 year na dahil walang nag aalaga sa mga anak ko?
      Garnishment takes place when there is a court decision:-) just simply withdraw your bank accounts to avoid overworrying:-)

      Delete
    3. Worried31083 - anong bank yan and can you give a rough figure ng defaulted amount mo plus kung kelan ka naging defaulted? Kasi as per Banker and Cherrylou, within 1yr of being defaulted usually nagfifile ng sum of money cases e

      Delete
  39. Hi Banker and Cherry,

    I lost a job last year and its been almost a year na jobless ako, with that, I am unable to pay my CC, now I got a letter from a ca below, ano po pwede approach dito or reply? Gusto ko din naman po bayadan cc ko kaso naghahanap pa lang ako uli ng work ngayon wala pa akong pangbayad:

    Good day!



    This pertains to your unpaid RCBC-BANKARD Account under card number XXXXXXX. Our client refer you here in Alexis A. Molaer Law Offices highly recommended for Civil Case for Collection of Sum of Money due to continuously failure to settle your said account. However due to humanitarian consideration and fair play, we still willing to give you chance to settle your account outside the court to avoid costly litigation settlement.

    As per record, your outsanding balance has reached now to Php70,675.99inclusive of interest and penalties. Nevertheless, in behalf of our client RCBC, we will allow you to settle your account amounting to Php45,232.63lump sum/one-time payment as full payment payable on/or before March 15, 2017 only. If you fail to comply, we don’t have any recourse but to sue in court for you to face the legal gravity of the law in your inaction. Also, we will conducting filing Civil case against you and your spouse, if married as mandatory party defendant under Rule 3 section 4 of the new Rules of Court. We give you until tomorrow to inform us for you to decide.

    Thank you and we look forward for the immediate and affirmative response. For your concern, don’t hesitate to call us at Tel Nos. 7090462, 7090857 or Mobile No. 09214165917. Were open for your proposals.


    Thank you,

    Melanie Abuzo
    Legal Officer
    Alexis A Molaer Law Offices
    7090506/7090857

    ReplyDelete
    Replies
    1. can you please read the above article again?
      lol!

      Delete
  40. good day Banker!

    i have been a reader since I have the similar problem with my cards. And that was around 6-7 years ago.
    And so this is my question, regarding dun sa list na binabasehan ng mga banks kung bibigyan ka ng kahit anong loan. May napagusapan na po dati tungkol dito, na pag nasama ang name mo sa blacklist, you can never loan anything from banks. At ito po ang na experience ko sa ngayong panahon, lumalabas pa rin kasi yung name ko. Nagla-lapse po ba ang list na ito o na re-renew?

    Pag ganito po ba talaga ang case, ito na po ba ang pinaka karma ko sa pagiging defaulter?

    ReplyDelete
    Replies
    1. karma? of course not!
      credit approval depends on so many factors.
      ako nga, CC defaulters pero after I deposited one million, daming offers. lol!

      Delete
  41. Good Day! Mag share lang ako ulit, may tumawag sa akin na collector bale 1st time this year na may tumawag, same pa din ang sinagot na wala pa akong extra money para makapag bayad, tapos biglang tumaas ang boses at talagang ang diin nya bigkasin ang Pangalan ko na para akong minumura sa tono ng salita nya, then sabi ko "Sumisigaw ka ba? kasi hindi ako makikipag usap sayo kung sisigawan mo ako" tapos sabi nya di daw sya sumisigaw tapos pinipilit ako mag settle ng 1.6k within the day sabi ko wala akong dalang pera at wala na akong mauutangan tapos ayun Sumigaw ulit bago pa sya matapos magsalita eh binabaan ko na ng phone.

    At di na rin ako natatakot dahil alam ko na ang isasagot at alam ko na din ang mga sasabihin at technique nila ng pananakot. Salamat ulit sa mga advice nila Banker at Ms. Cherrylou.

    ReplyDelete
  42. hi i just received a call from a certain mr isaac del monte of philippine star publishing telling me that my name will be put in the philippine star this sunday and for 3 consecutive sundays (notice to the public, violation of article 315 revised penal code). he referred me to the one who filed/paid the notice to a certain atty rany sia (he told me that he is the legal counsel for the Bank association of the philippines) and he really filed and paid an ad. it has caused undue stress on my part...admittedly i was not able to pay back na due to many problems that i encountered last year. bale 1 year na ako hindi nakakahulog, sa eastwest, maybank and metrobank. as the "lawyer" mentioned me. i told him i want to settle out of court and to please not publish my name on the newspaper. meron po ba talagang ganito? please help!!! thanks!

    ReplyDelete
    Replies
    1. the problem with CC defaulters is they tend to believe ANYTHING an anonymous caller will tell them.
      lol!

      try to read ANY newspaper. may nakita ka ba na ganito?

      Delete
  43. gud pm po.. noong 2012 naospital kapatid ko sa ust for cancer at namatay din same year pero hindi sa ospital namatay. nilabas namin at pero sa laki ng bill ng hospital i think 3hundred thousand plus bill pwera drs fee. dr's fee binayaran ng cash. so para mailabas namin binigay ko xerox copy ng title ng lupa namin sa isang subdividion sa bulacan na may promisory note pirmado ko na ibalik ang titulo pagnaibigay ang bayad sa ospital in a certain time ata.. minsan lng komontak sa mom ko ang ust tapos nun di na naulit. pwede babg kunin na ng ust ang lupa with xerox title lng? natatakot ako icheck sa munisipyo sa bulacan kung nakuha na ba o hindi pa. thank you po sa sasagot. - mj

    ReplyDelete
  44. @Kamenballer... hi nice to hear from you again
    good job, wag magpa-sindak sa mga kotong-collectors...pls. remember COLLECTOR lang sila and you don`t owe them a single centavo para mag-maldita sila sa iyo
    happy weekend

    ReplyDelete
  45. Hi Good Morning.May utang po ako sa bpi cc..nagkafinancial crisis lang po talaga kami.today may dumating po kasi letter sakin from metropolitan trial court civil case sum of money...nakalagay po dun na dismissed pagkakaintindi ko hindi daw po jurisdiction ng MTC dapat daw po sa RTC kasi above 400k na daw po siya kapag may interest ..lumobo na po siya ng 80%.i was asking kasi sa CA na baka puede mag amnesty kasi sila ng minimal penalty na lang kasi pagkakaalam ko mga 50k na lang naman utang konsa BPI..ano po bang magandang gawin kasi nakakatakot ung order na dumating sakin..nadismissed ng di ko alam na nagfile na pala silang ng ganun..thanks po
    ...eina

    ReplyDelete
    Replies
    1. sa VENUE pa nga lang, eh, MALI na kaagad.
      how can you believe the CA?
      lol!

      Delete
    2. hi @cherrylou and @banker today may nag txt sa sakin ng ganito..1 year na kc akong d nagbabayad ng cc ko.. :( dhil nawalan ako ng work.. :(

      METROPOLITAN TRIAL COURT
      Juan Dela Cruz
      Expect our official commo to issue your COURT ORDER(Bench Warrant) exactly 4pm (mar.16,2017) together with Sheriff to issue Writ of Preliminary Attachment to garnish your real and personal property at PORAC PAMPANGA
      Please be inform for your voluntary surrender to avoid commotion at your area.
      - LETICIA G.
      Clerk of Court-III
      METROPOLITAN TRIAL COURT

      is this true po?
      maraming salamat po..

      Tamtam

      Delete
  46. Hi po sa lahat, nagstart na po sila tumawag sa akin at hindi ko po sinasagot ang mga tawag at text.

    Pero sa bahay and office po either di ko pinapasagot or pina-plan kong sabihin na wala ako sa bahay or wala na ako sa company ko.

    Pwede po ba yun or mali? Ayoko lang po sana mastress ung mama kong matanda na and makulitan ang mga kawork ko.

    Thank you po,
    Jake

    ReplyDelete
    Replies
    1. @jake, yes of course you can leave words na wla ka na sa place or work or residence
      or you also have the option to take the calls and tell kotong-collector 'SORRY NO MONEY TO PAY PERIOD'
      promise ca won`t dwell on your account for toooo long and he will just concentrate on those defaulters na pwede pang ma-scam/ma-bully

      Delete
    2. @cherrylou de jesus, mam. hindi ka po ba makakasuhan ng fraud pag ginawa mo iyon?

      Delete
    3. Nabasa ko po kasi na sa 8484 pwede ako makulong if ever di ako nagsabi na aalis ako ng work or house sa bank. Same case din po ba yun?

      Balak ko po kasi sana is never ipasagot ang tawag. Tapos meron po magrereceive ng letter sa baba ng bahay.

      Thanks po
      Jake

      Delete
    4. jake,
      please google the meaning of "surreptitiously"
      lol!

      Delete
    5. @Namron, no case of fraud if you tell crazy collectors that you have moved out
      -well in my case i have been taking the calls of the kotong-collectors and been telling them NO EXTRA MONEY TO PAY PERIOD
      pls. remember ikaw ang me hawak ng finances mo so only you have the right where to put your money
      -pag hand-to-mouth existence pa, so the most sensible way is to focus on basic needs

      Delete
  47. Good Day sa inyong lahat,
    Well sa akin naman nakatanggap ako ng dalawang tawag from Molaer Law Office at certain name Rachel Duterte, Need to call them back daw asap.. lagi ko nalang iniisip ung paalala niyo "why call kung wala pang pambayad, lalo lang nila pipistihin ang mga defaulter kapag patuloy na nakipag-usap sa mga hunghang na CA".. kaya i kept on reading nalang sa blog niyo para mabawasan ang stress ko sa mga caller ko.
    Salamat po..

    ReplyDelete
  48. Hello Banker and mga ka-diskarte!
    Pinadalhan po ako nh RGS Recovery Management and Collections Services. Under Atty. Ultado po. Final Demand letter po na nakalagay sa brown na envelope. Metrobank po ang CC ko. My nakalagay pa pong Writ of preliminary attachment na sabe yung court sheriff daw po to levy, attach, seize your real and personal properties or garnish your salaries and bank deposits without further notice and delay. Kasama pa daw po yung asawa ko dahil sa Rule no. 3 Section 4 of the Revised Rules of Court. Eh 4 months ago palang po nung kinasal kami ng civil. Ayoko pong madamay ang asawa ko. Grabe narin po ang itinubo nung balance ko. Tulungan nyo po ako. Hindi po talaga mapanatag ang kalooban ko. Lagi nalang po akong kinakabahan. :(

    ReplyDelete
    Replies
    1. JerAlonte,
      Demand Letters-just simply throw in a trash bin, tuloy nastress ka :-)
      Atty. Ultado- what a pity lawyer? na naging collector na lamang marahil sa wala gasino kliyente:-) Hindi ka nag-iisa...

      Delete
  49. @Jer Alonte, hi lumang style na po yan ng kotong-collector
    just throw the brown envelope with all the contents sa basurahan or
    pwedeng pwedeng scratch paper or pam-paringas when you want mag-ihaw ng isda or liempo for summer-outings... lol

    ReplyDelete
    Replies
    1. Ay talaga po? Kapag bumalik po ba sila ano pong sasabihin ko? Hindi po ba ako makukulong?
      Salamat Ma'am Cherrylou kahit papaano po ay nabawasan ang kaba ko.

      Delete
    2. @jer alonte, hi first of all di ka makukulong not unless sinakal mo yung crazy collector for being a pain in the neck
      -pag bumalik si pesteng collector, just tell him/her SORRY NO MONEY TO PAY PERIOD
      just pls. remember kotong-collectors are bunch of liars so you definitely do not believe a single word they say
      -i have been a defaulter since early part of 2013 and have moved on... fyi i managed to arranged directly with citibank and union bank for my repayment programs and am now ok

      Delete
  50. Hi Banker si eina po ito iyon pong regarding sa bpi kaya syaa nadismisses kasi may 2016 siya finile and nung dec2016 daw kasi kung isasama ang interest at penalty aabot na ng 400k .kaya irefile na lang daw po sa RTC..thanks po

    Eina

    ReplyDelete
  51. even if they refile a thousand times,
    wala ka namang time deposit kaya?
    lol!

    ReplyDelete
  52. Hi si Eina po ito..ah kung ifile po nila uli kung may pera ako sa bangko iyon po kukunin nila kaso wala po so wala sila makukuha paano po magiging takbo nung bayaran dun..Sorry po kulit ko ... Thanks po

    ReplyDelete
    Replies
    1. @Eina, hi if ever the bank refiles the case at walang pambayad it will simply means an empty victory for the bank
      -court will only confirm the defaulted amount but the court cannot compel/force you to pay lalo na`t no bank deposits

      Delete
  53. banker please help.

    It's been 5 or 6 years yung utang ko sa HSBC around 20K and my sister want to settle it for future use daw. I just want to know if maki-clear ba ang name ko sa Credit Management or sa CCAP if babayaran ko sya.

    My sister is planning to buy a car on installment basis na nakapangalan sakin makakaaoekto kaya ang utang ko sa CC wayback?

    thanks po sa sagot!

    ReplyDelete
  54. hi if you pay the bank for your defaulted amount your name might be deleted from being blacklisted...for how long ,sorry but no idea
    -anyway car loan is a guaranteed loan, like if you were not able to pay bank can always get your car
    i have been exchanging private emails and kahit defaulter they were able to get an approval for a housing/car loan
    -you can always tell the agent that you defaulted for the simple reason na kahit nagbabayad ka on time still di nababawasan yung total amount due sa bank and this you can see sa nakaka-lurkey bank charges lalo na when one is paying the min. due...

    ReplyDelete
    Replies
    1. Ma'am Cherrylou and Banker,
      Good day... and God bless your family :-)
      Ang venture ng bangko ngayon ay car loan...ang dami nga dito kahit cc defaulters, nakakuha sila. Tapos pag-nadefault sila dito ang takbuhan nila hehehe based on the my reading from the past or latest. I'll learned my lesson in this blog(banker). Experience is the best teacher. Make your life simple :-)Thank you banker and Ma'am cherrylou :-)

      Delete
  55. Thank you for answering my question Ms Cherry lou. Should I contact HSBC directly ksi wala naman nako narereceive na sulat coming from CA since I transferred to a different address. (Di ko lang alam kung nagpapadala pa sila dun sa old address ko)

    Makulit lang talaga sister ko gusto nya malinis record ko for future daw.
    Eh hindi naman nako kukuha ng credit card ulit. Di naman sa pagsasalita ng tapos.

    Could you please tell me the good side of paying my old credit card debt aside from clearing my name. I am 30 years old, working in BPO and living a simple life. I don't have any plans to pursue another credit card in the future.

    ReplyDelete
    Replies
    1. If you want to impress the bank..then pay your old cc.

      If you want to secure your future, then save (not in defaulted bank).

      Clear your name? From whom? Your savings/time deposit account record will highly speak for you..lol.

      Delete
  56. hi yes pls. go personally to the recovery department of hsbc credit card division
    -pls. check for the address with the bank`s csr and just tell them that you want to deal with their kotong-collectors as the amount would be bloated by this time
    good side of paying your old credit card bill...i guess mawawala yung guilt but am sure di naman intentional yung di mo pag-bayad ng bill... maybe nawalan ka ng work before or somebody got sick...

    ReplyDelete
  57. may tumawag sa akin, pero di ko nasagot kasi naka "Do not disturb" ako, tinawagan ko, nagpakilalang CIDG.

    banker, does CIDG handle debt cases?
    may it be CC or personal loan?
    and also, do CIDG normally do call-outs?

    -yanyan

    ReplyDelete
    Replies
    1. Anonymous-yanyan
      naka "Do not disturb" ako
      pero tinawagan ko, nagpakilalang CIDG.
      Tuloy na-stress ka:-)
      Usurpation of authority ang kaso nyan...
      Ang dami scams thru phone calls-kaya wag mag-papaniwala :-)

      Delete
    2. @yanyan... from what i understand hindi po
      malamang fans lang ni coco martin si kotong-collector kaya pati cidg gustong isama sa chikahan

      Delete
    3. gusto ko ngang papa prove na CIDG cya. like, anong vision statement nila, sino ang head nila at kilala ba nya ninong ko na si DeLeon. at basahan ko na sana ng Art.177 eh.
      kaso, binaba ko na, at blocked number kasi meeting pa ako.
      hahaha...
      salamat talaga banker at iba pa. dahil sa inyo, nalaman ko tuloy ang mga laws na panangga para sa mga "aswang" na to. hahaha...

      -yanyan

      Delete
  58. hi guys, Banker and ms. Cherrylou,
    update ko lang kayo. nghintay aku dumating last Friday and today yung team daw nung Lawyer ng CA. kaso wala. nakaready pa nman aku ngsasabihin and ng script. anyways thanks po ulet sa mga payo ninyo.

    -Mac

    ReplyDelete
    Replies
    1. @Mac... most welcome baka walang budget to put petrol in their service car (kung meron man...whoa)
      and next time give them drinks laced with laxative
      -sorry ha i am being mean these days... bad guys kasi sila eh

      Delete
  59. Hi! May kakatawag lng ngyon na matandang babae sken. Taga ct hall daw sya. May ngfile daw ng case sken atty dexter coloso. May 3 court order n daw n pindala sken sa bahay. May binigay din po syang number nung atty. Tawagan ko daw baka daw mahabol ko pa yung kaso saakin. Totoo po ba ito? Salamat po.
    Ms. Chocnut

    ReplyDelete
    Replies
    1. ang korte ba sa inyo sana city hall na?
      lol!

      Delete
    2. Sbe po nya sbhn q daw dun sa atty na pinatawag daw sya nung major kineme. Itatanong ko sana, "sbe mo taga city hall ka, bat biglang ngkaron ng major sa city hall" ayoko na l mkipagkulitan kc kakagcng ko lng nun. Natakot lng aq sa cnbi nyang "may case filed" daw skn. May katotohanan po ba yon? Pano po ba malalaman kung tlgang may case filed sakin?

      Delete
    3. Maraming Salamat po sir banker.
      Ms Choknut

      Delete
    4. Anonymous-Ms. Chocnut,
      Nasa inyo po kung maniniwala kayo :-)
      SCAM...

      Delete
    5. @Ms. Chocnut... haler you must be someone special... fyi di po itina-tawag ang case filed...
      promise its just one of the TWITS aka kotong-collectors

      Delete
    6. kapag may nag file ng kaso hindi sa city hall. sa hall of justice ho (either mctc/mtc/mtcc/rtc). i doubt may idea ang taga city hall sa lahat ng kaso na fina-file sa hall of jutice. at isipin nyo po, bakit kayo tatawagan kung may nag file ng kaso sa inyo? kahit taga court pa yung pakilala ng tumawag, isipin nyo po, bakit sila magsasayang ng oras para tawagan kayo (sa dinami-dami ng kaso, yung sayo yong chosen case na tawagan, ganon?)

      Delete
    7. Thank you Dhastan Lardizabal and Ms Cherrylou. Medyo bagong style nila eto sken. Kaya ngyon ko lng narinig na may case filed daw po aq kaya medyo kinabahan nmn aq. Ask ko lng din po kung pano po ba tlga malalaman kung may case filed nga po pra sken? Salamat po ulit.
      Ms.chocnut

      Delete
    8. @Ms. chocnut, hi if you have not moved places you will surely receive a legit summons/notice from the court
      -on long-bond paper, thickish sya with all the attachment and at first will be asked to submit reply within 15 days yata
      meron syang case number and name of presiding judge...

      Delete
    9. Thank you E.A.
      @ maam cherrlou, salamat din po. Kung in the future po may gnun na mangyari. Kailangan ko po ba magsubmit ng kht na ano ng within 15 days? Or wag na lng po kung wala din nmn po aqng pamabayad? Aantayin ko na lng po ba yung decsion nila about sa case?
      Pacienxa na po, medyo bago lng po sa mga gantong issue. Salamat po ng marami sa tulong.

      Delete
  60. Hi Banker & Ms Cherrylou,

    I defaulted almost 13 years ago. Nagulat ako nang may tumawag na sa office namin na taga opisina ni Atty Ultado. Una ang pakilala niya pulis daw siya at magsi-serve daw siya ng warrant of arrest for estafa. Hindi ako naniwala kasi ang tiyuhin ko pulis at kailangan ng subpoena. Sabi ko irereklamo ko siya sa Crame kasi taga-Crame ang tiyuhin ko. This morning non-stop siyang tumatawag sa lahat ng pwede niyang tawagan dito sa office at nambabastos siya. Pati boss ko tinawagan niya at minura niya. Galit na galit ang boss ko. Sabi ko mag-se-settle lang ako sa small claims court. Lalong nagalit si CA. Hindi daw niya ako tatantanan. Aaraw-arawin daw niya ang pagtawag dito sa opisina namin para hiyain ako. At ipapa-brgy daw niya ako. Kalmado lang ako at sinabi kong bahala siya sa buhay niya. Although nakakahiya kasi nalaman ng mga tao na may problema akong ganito pero inexplain ko naman na willing akong magbayad pero hindi thru collection agency na grabe kung bumastos. Sabi nga ng boss ko huwag ko na daw intindihin kasi over ten years na...so over na daw sa prescribed period for paying the loan. Totoo ba ito, banker? Salamat sa blog mong ito at kahit papaano ay panatag ako sa karapatan ko. - Kitty

    ReplyDelete
    Replies
    1. @kitty, banker is right tama si bossing
      banks/creditors are just given 10 years to collect and mabi-break lang ito when the creditor filed for a case
      -just don`t mind the rude/crazy/kotong-collector

      Delete
  61. Meron Po tumatawag at nagtetext sa skin Palis Law office... Contact Mr guisinga daw sya....nananakot n mag file ng case.... Si search ko name num sa fb...collection specialist sya ng Rcbc bnkard. Possible Po VA na mag file nga class ng kasi? Thnks

    ReplyDelete
    Replies
    1. Collectors cannot and will not file cases, you defaulted with the bank and not with collection agencies.

      Personal note, defaulter din ako ng RCBC for 4 years and everything is okay.

      Calls, sms, emails, hand-delivered mails just ignore or send to trash.

      "Move-on from things that keeps you from moving on."

      Dukie, your fellow defaulter :)

      Delete
    2. Jojo,
      calls-I will settle this issue thru court-para legal lahat :-)
      e-mail/text messages-simply press delete para iwas stress :-)
      CA's won't, don't and can't file case, nautusan lang sila :-)

      Delete
  62. pls help po, mag 2 months na ako di nakabayad ng bpi cc ko, yung very good ko na x husband nahuli sa states for criminal posesyon of controlled substance - meaning ako nalang nag suport sa 2 kids ko. question ko po, i have read in 1 forum na bpi cc can get money sa savings account ko without my consent? true po bah? kasi nasa bpi po yung salary atm ko at savings atm ko. pls pls pls po help po.
    -worried mom

    ReplyDelete
  63. good day, so sad that our car loan are disapproved because they saw are defaulted cards..sana baguhin nila na policy nila to

    ReplyDelete
  64. is there a possibility that sec. 20 of the bill of rights be revoked or amended? say, because of a constitutional amendment? sorry po banker pero sa sobrang praning ko ilang weeks ko na itong iniisip. nahihiya naman akong magtanong ng personal sa mga kakilala kong lawyers. hehe. -E.A.

    ReplyDelete
    Replies
    1. maybe if Leni robredo will become president.
      lol!

      Delete
    2. Hi banker,

      nakakapraning nga po yun.. =(
      sana di po mangyari...
      If ever po ba, kung magbago po yung batas, kung ngayon po nadefault hindi na po ba kami maaapektuhan ng bagong batas?

      Sorry po napraning din. =)

      Paola

      Delete
    3. that is a basic state policy. its like deleting freedom from expression which is guaranteed by the basic law of the land - Constitution.
      maybe if Leni will abolish the constitution?
      lol!

      Delete
    4. thank you banker.

      If ever po na may bagong batas na lalabas, hindi po ba apektado yung mga lumang defaulter?

      Paola

      Delete
    5. Paola,
      kung ang isipan mo ay panay "IF", walang mangyayari sa iyo. lol!

      Delete
  65. hi banker,
    its me worried mom - ma apektuhan rin po bah joint savings account ko with my online business partner?

    ReplyDelete
  66. Hi All!
    nag umpisa po ako mag default sa 5 cc ko, early 2016. During that time bagong employed ako. And my first salary came in very late. Nag-panic ako that time. Ng try ako mangutang sa fam and friends, para hindi ako ma default. Sadly, 2/5 na CC ko ay natuloy pa rin na ma-"default" after all the efforts I made (calls to the bank and bargaining with the collectors).
    After reading this blog and gaining basic knowledge on this matter, nag-decide po ako, I will pay off my remaining 3 undefaulted CCs and forget the remaining 2. I changed my number.

    Fast forward today, a year after, I have received 3-4 emails, 1 FB message and 0 calls (new number and employer na eh). After the FB message I secured my account more. And now, may kaba pa rin sometimes, pero, all in all, payapa na ang life ko. I am humbled by the experience. Mas alam ko na ngayon ang value ng pera. Natuto na ako, ika nga. I'm saving for my baby's future now. And sana, I pray na lahat ng CC defaulters maging ok na din.

    ReplyDelete
    Replies
    1. hi E.A., yes it is a very humbling experience pg naging cc defaulter ka, lalo na at ginamit mo para sa family mo then at the end sacrifice tau sa billing, buti na lang nga nkita ko din to blog nila miss cherry at banker, very helpful

      Delete
  67. Good day Miss CherryLou and Banker,

    Lagi ko po etong binabasa, first time ko magdefault sa credit card. Meron na po ba naka experience sa Unionbank? Yung Cases and Chun, una nagmessage po sa FB ko, then nag email giving me 5 days to settle, lumaki na ang amount to almost 400k, just today nag send sila ulit ng copy furnish na email supposed to be from recovery unit ng Unionbank, telling na isasama ang aking account for litigation if not able to comply..
    Please advise po
    Salamat

    ReplyDelete
    Replies
    1. Sorry po nadoble yung post..
      Thank you sa reply
      Notorious din po ba ang Unionbank sa pagpafile ng Case?

      Delete
    2. Reesesum... yes just ignore the kotong-collector and fyi medyo bully sila and will mumble about case filing...tell them to go ahead para tuluyan silang mawala sa picture of getting a commission

      Delete
    3. Thank you Miss CherryLou..nababawasan kasi ang kaba ko pag nagbabasa ako ng blog nyo

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

    ReplyDelete
  69. Just a Simple TIPS sa lahatng may facebook account.
    One reason kung bakit natitrace kayo ng mga kotong kolektor. Eto ang dapat ninyong gawin.

    1. Pumunta sa Settings ng Facebook
    2. Click mo yung Tab na "Privacy"
    3. sa ibaba, may makikita kang "Do you want search engine outside of Facebook to link to your Profile?"
    4. Piliin ang option na "NO"

    Kung ito ay naka "YES" dati, posibleng na-trace ka na ni Kotong Kolektor at uumpisahan kang padalahan ng messages o yung tinatawag na "PM" (private message).

    Subukan mong i-type pangalan mo sa Google Search Bar. para malaman mo kung ano-anong application ang naka-link pa sa pangalan mo at i-modify mo.

    Kung nagawa mo na ito, mabuti ayon sa ikakatahimik na iyong mundo.

    Magandang araw sa lahat ng mga ka-diskarte.

    ReplyDelete
  70. Hi Banker,

    Kapag po ba may sum of money case na, hindi napo pwede maglagay ng pera sa bank forever o may expiration din po yun?

    Kasi po nabasa ko dito hanggang 10 years lang pwede singilin ng collector except pag may kaso na po. Ibig sabihin po pagmay sum of money case na, lagpas 10 years po pwede ka pa singilin? Di na po ba pwede magka-property at bank account dahil mahahabol po ba ng bank sa future?

    Thank you.

    Paranoid Paola =)

    ReplyDelete
    Replies
    1. Prescription Periods:
      10 years to file a case;
      10 years to implement a decision.
      walang FOREVER. lol!

      Delete
  71. Hi banker. I am a defaulter since 2011, i lost my job and wasn't able to manage my finances correctly. Now that my job is stable and with little savings, I am ready to pay my credit card balance. Do you know what can I do to settle my account? Do you have a blog about this. Hope you can help me on what to do. Thanks in advance! :)

    ReplyDelete
    Replies
    1. don't resurrect what is obviously a dead issue,
      unless you want harassment.
      give the money to your charity,church,family or sa amin.
      forget the debt; not the lessons.

      Delete
  72. The reason why i dont pay my defaulted cc is because I dont tolerate these collector swindlers on the phone.

    ReplyDelete
  73. Good day sir banker mam cherrylou sir dhastan and all team diskarte. Im a silent reader in this blog since 2015 when i became a defaulter. All of you are really a big help to us. Talagang nafeel ko un advises nyo para iwas stress for almost a year now pero Just recently nakakareceive na ko letters/notices of court hearings from mtc. twas my bpi cc filed sum of money case coz its 200+k.i defaulted nung nagkasakit anak ko minimum lang payment ko until ndi ko na nakaya kc lalong lumaki utang ko.worried ako kc employed ako and bpi payroll namin. Hoping na ndi magarnish salaries ko as per banker..tnx for this. Ndi ko punta hearings kc no extra money to pay lawyers and to make commitments. truth is negative pa nga pay ko sa dami bayarin. If ders court decision na, what will i do po? Need ko po b punta court para kausapin un judge/sheriff/secretary that i can pay only if theres extra money coz i cant commit a fixed monthly payment at this time? If ever po payment is thru bank or court office? I dont hav savings and ayaw ko na utang to pay my other utang which was the worst thing na nagawa ko. i cant resign kc sayang naman po 10 yrs before my retirement.hsysss ang hirap po. Anyway if u hav civil case puede k b terminate sa work mo?
    Please need your heartfelt advises. Thank u for your understanding patience and moral support to all defaulters. God bless! Mrs Franning po ito.

    ReplyDelete
    Replies
    1. Anonymous-Mrs. Franning
      If there is a court decision? kindly withdraw your bank deposit/account to avoid over-worrying.
      Remember Pyrrhic victory :-)

      Delete
  74. hi banker and cherrylou,
    today po i received a text..informing me na may bench warrant daw po ako..i failed to pay my 7 cc po more a year now..total of more or less 500k dhil sa mga interest n penalties..totoo po ba ito? nagreply po ako asking f para saan ung bench warrant and nagreply sila ng "call us so we can discuss" natakot lang po ako and stress..pahingi po ng advice..salamat po..
    God bless all,
    Tamtam Jose

    METROPOLITAN TRIAL COURT
    Tamtam Jose
    Expect our official commo to issue your COURT ORDER(Bench Warrant) exactly 4pm (mar.16,2017) together with Sheriff to issue Writ of Preliminary Attachment to garnish your real and personal property at PORAC PAMPANGA
    Please be inform for your voluntary surrender to avoid commotion at your area.
    - LETICIA G.
    Clerk of Court-III
    METROPOLITAN TRIAL COURT

    ReplyDelete
    Replies
    1. Anonymous-Who you?
      text messages- simply press delete para iwas stress :-)

      Delete
    2. @Tamtam Jose... hi just ignore the txt message
      when a case is filed...promise di po ito ite-text or itatawag kahit kanino... be it a senator or a president...lol
      and if ever a case is filed you will definitely received a legit summons from the court and filing of case will simply means that 'THE END IS NEAR' ... katapusan ng mga pesteng collectors

      Delete
  75. Hello po.
    Any advise po.
    Nakareceived ako ng email today.
    I failed to pay may credit card, months default n po.
    Ano po dapat gawin ko?
    Thank you

    Good day!

    This is Ms. Maggie Bacani of Alexis A. Molaer Law Offices. Please be informed that your obligation to

    Our client, UnionBank, is now immediately due and demandable, and that account has been endorsed

    and recommended for filing in court (Collection Of Sum Of Money). However, we are giving you this

    last chance to settle your account extra-judicially. Please call Ms. Maggie Bacani at telephone number

    (02)709-1442 or 709-0617 Cp. No. 09186268239; 09750313388 with in two (2) days from today.

    ReplyDelete
    Replies
    1. Anonymous-Who you,
      e-mail messages-simply press delete para iwas stress :-)

      Delete
  76. In addition po,
    What if nag sue n cla in court?
    Ano sunod mangyayari?
    Mejo nakakakita lng po KC.
    Thank you

    -theresa

    ReplyDelete
  77. Good morning po. Tanong ko lang po. Cc defaulter po ako for 2 years na. Pero may existing personal loans pa po ako sa citibank and eastwest bank from which defaulted po ang credit cards ko sa kanila. Matatapos na po ang loan ko this may 2017. Possible po b na makapag renew ako or baka mabuhay nanaman ang mga tahimik na na kotong collectors? Thanks po. Hope mag reply po kayo. God bless

    ReplyDelete