Thursday, May 18, 2017

Guidelines To Asking Questions



1. Make it brief ;
2. Put any username except  "anonymous" ;
3. Say "Thanks" ;



183 comments:

  1. Thanks to banker and co...
    I've been a defaulter with several CC in 2010.
    1 filed case, citibank thru collection agency... that was 2013. so far, wala naman nabawas sa laman nang bahay at bank account ko (if any).
    I made a mistake with unionbank and agreed with the settlement... 50K++ din binayaran ko duon for the span of 2 years. sayang.
    This group helped me to move on and recover sa stress. during that time grabe paranoid ako sa mga calls, sa letters, sa mga bumibisita na collector, at sa kahihiyan sa lugar namin hanggang sa baranggay captain.

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    1. Hi @creative minds! Ano pong CA yung ng file ng case sa inyo? Recently lng po ba cya ngfile or matagal na po? Thank you.

      Ms.Choknut

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    2. @creativeminds thanks for sharing! can u pls tell something about the case filed? like the process of it? i believe a lot will appreciate so they can prepare and expect the things to happen if ever there is a case. Thanks in advance!

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    3. @choknut, check ko kung sinong CA yun. that was 2012 pa. default ako around 2010.
      isa na lang makulit na tumatawag pa hanggang ngayon, Aiqon... para sa standard chartered bank. 7 years na rin pero nandyan pa rin... tinakot ako na i-dedemanda ako... sabi ko, idemanda na lang ako as advised by banker. pero lately tahimik si Aiqon, walang tawag.

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    4. @marc p., I defaulted my citibank around 2010. then, syempre yung harassment followed. 2012, naka receive ako nang makapal na compilation na documents na pinilit na sinaksak sa letter size envelope. yun na pala copy ko para sa hearing. di ko na pinansin kase i was assigned to Davao din by that time. also, sabi ni banker, mag-attend ka or hindi... same result = you pay. then, later, sumunod na yung decision from court na most of the docs used ay yung maninipis na papers...
      that was 2012, it is already 2017 di naman nakuha laman ng bank account ko...

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    5. btw, when i was assigned in Davao in 2012, had a chance to meet Banker... a few bottle of beer at pulutan sa isang resto dun... :)
      Pag napadalaw ako ulit Davao... kita tayo ulit banker. :)

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    6. @creativeminds what was the specif order of the court? garnishment?

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    7. Creative Minds,
      my memory is failing....
      Was it about my TV set?
      clue?
      lol!

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    8. @ceativeminds, thank you. So after 2 yrs of being defaulted, saka lng ngfile c citibank ng case seo?

      Ms.Choknut

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    9. defaulter po ako ng Citibank for 11 months.. more than 50k ang balance ko sa installment. Ask ko lang po ilang buwan bago nagfile sau n case st how much po ang defaulted amount mo?

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    10. good afternoon..creative minds magkanu ang amount ng cc mo citibank? kase kahit matagal na nag file ng case pa rin sila sayo.
      thank you.
      nawendang

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    11. @marc p. hi with the decision no mention of garnishment, but just the order to pay bank at 12% per annum from the date na file ang case
      -garnishment will only come into the picture pag di nagbayad si defaulter...like liaison officer of the crooks will get sheriff to execute the order and go around banks/sa main office (since centralized/computerized naman po ang mga bank accounts)
      and the defaulter ...thinking in advance will just close bank accounts (kung meron man...)
      and like what i have said before, in my case hirit pa rin ni kotong collector ang discounted amt. for one time payment (but di na sila ganun ka-persistent, like they will give me a ring once in a blue moon...)

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  2. Hi po. Hindi ko na nababayaran mcc credit card ko na may existing cash-2-go installment na almost 500k payable within 24 months pa then may amount due ako na 600k. Almost 3 months nang hindi ako nakakabayad kahit minimum amount. Ang dami kong tawag everyday na di ko na sinasagot kasi wala akong pambayad. Ask ko lang idedefault na ba nila ung card ko? Ung existing cash-to-to balances ko ba machacharge na lang un in full? Continuous pa rin ba interest nun?

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    Replies
    1. hello po @maloupitt yes pag na default as usual they will bill the whole amount. pag tumagal yes interest will pile up. pero kung waley pambayad dahil mas impt ang basic needs pwes DEDMA ang anak ng tipaklong na tumatawag sayo! happyweekend po!

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  3. @maloupitt. Im also a 4 mons mcc defaulter. 150k amount. In the 1st month pa lang po na no payment cut na ang card then ma activate cya pag nagbayad pero kapag nasa CA na account malabo na po mareconnect kahit magbayad pa. Ako im taking all calls. Kapag nagmaganda just say the magic word of banker "sue me". Dont explain to them anything para dka kulitin. Tell them wala pambayad. From ms cherrylou and banker yan. Ive learned a lot from this site. Kaya thankful talga ako sa kanila. Ive also bdo 280k and now bloated na. ano magagawa natin wala pambayad.

    ReplyDelete
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    1. ...at ano din magawa nila kung walang pambayad?
      remember, hinde pa approved ang "death penalty".
      lol!

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  4. Thanks for the responses! Another question po. If may defaulted kang personal credit card sa BDO then may BDO amex akong corporate card, will it affect the issuance of my amex replacement card pag nagexpire sya?

    ReplyDelete
    Replies
    1. a personal CC is different from a corporate CC.
      it is issued to a juridical person.

      Delete
  5. Hi Banker! I am a banker as well, every semi-annual we are asked to sign and pass a statement of declaration for past due and delinquent accounts as required by BSP. I never declared my delinquency twice now, or else I will be obliged to settle them. Am I in trouble for not declaring my delinquency?Thank you.

    ReplyDelete
    Replies
    1. it's an ethical question.
      a technical issue is :
      if the obligation is merely delinquent or
      it is past due - two different things.

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  6. So on record citibank, rcbc and bpi ang nagfifile ng case.

    @Creative Minds,anong bank pa ang nagfile ng case sayo? And may i know how much defaulted amount mo sa citibank? Thanks in advance sa pagsagot.

    ReplyDelete
    Replies
    1. @Nancy, yup also pls. add to the list bdo and lending companies aka 5/6 banks
      -i guess defaulted amt. should be 100 k and above, otherwise sayang po filing fee and the fee that the bank needs to pay their legal counsel
      -no big deal bout these sum of money cases, katapusan lang po ng pesteng comedians

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  7. Ms cherrylou and banker help po... Im keeping conversations brief pero mabusisi CA. Asking me again the reason why i cant pay. Tapos sabi irerecommend na lang nila kay bank na magfilr ng case against me. Na transfer pako sa supervisor daw pero parang un pa din kausap ko kunwari supervisor. They are asking me to pay partial then irestructure daw remaining. Pero alam ko po d totoo un kc after ko mgbayad mawawala na cla. Payment arrangement po dpat decision ni bank.
    Sori po banker napahaba nakakakaba pa din po kasi. Ang tanong ko po pwede po ba nila i recommend kay bank na magfile na lang ng case if i insisted not to pay? Thank you po

    ReplyDelete
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    1. LIES. binigay sa kanila para kolektahin ha.
      eh, kung i-recommend nila, di wala silang commission.
      common sense? lol!

      next time, just dare their bluff:
      "mabuti pa nga siguro sa korte natin pag-usapan ito para legal lahat. ano sa tingin mo?"
      sabay tawa ng malakas. hehehehe

      you are under no obligation to explain to them.
      kahit anong reason yan, it will not erase your debt.
      common sense again?
      enjoy the day.

      ooops, napa-haba din ang sagot ko.
      lol!

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    2. Hi Banker,
      Hindi rin po ba totoo kung yung sulat galing sa kolektor may naka-attach na copy daw ng letter of recommendation nila sa bank to file a case against me tapos di daw itutuloy kung magbabayad ako within 5 days. Panakot lang din po ba yun?
      Malapit na kasi deadline e wala naman din akong pambayad.
      thank you.

      paola

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    3. weh, di nga.
      ang trabaho nila a collection. no payment; no commission. lol!

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    4. @Nancy, hi banker is right...you are not under any obligation to comply with the offer of repayment schemes (si kotong-collector lang po ang me gusto nun)
      crooks cannot recommend filing of case, call and policy po ni bank yun
      right, crooks are bunch of liars

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    5. @Paola, yeah banker is right
      panakot lang po yan ni kotong-collector and minsan nga "me draft of case to be filed pa yan"
      so di po dapat seryosohin

      Delete
  8. Hello banker , madam cherylou and diskarte team!!!

    tom May 23,2017 officially ma default nako sa RCBC kasi due date ng Cc ko. Last week i called their in house collections team informing in advance. They have offered me lumpsum payments and also 12 or 24 months. Walang difference din sa 3 rd party collectors. Sabi ko naman i dont have that money. So sabi nila RCBC will pass it on automatically go to a 3rd party collector and then sabay na din file ng case. So since known si RCBC to file cases i am just preparing for it. Goodluck sakin :(

    ReplyDelete
    Replies
    1. Ang decision ng court is "pay when able"
      ayaw mo pa nyan?
      if "not able",
      the end.
      hinde pa naman kasi approved ang death penalty.
      lol!

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    2. @Marc P. yes kalma lang with rcbc
      pls. remember i had 2 sum of money cases with bpi and bankard
      -writ of execution was approved last year and from what i remember early part of 2017, the crooks were still trying their luck with the offer of discounted amt. for one-time payment... and am not buying their offer
      i have just followed banker's words of wisdom (daghang salamat Banker!!!) am now having a comfortable life ...stressed free sa mga comedians

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  9. Thanks po much banker. Next time po sasabihin ko yan hehhe.. Baka chief justice na kuno ipaki usap sakin haha..

    ReplyDelete
  10. Hi banker,

    May mamang nagpunta dito sa bahay saktong umalis ako mother ko ang nakausap. May iniwan na 1/4 na index card nalagay ang cp at may note na call me asap. Alam kong kotong kolektor lang ng isang c.a kemrut. Ang bilin pa sa mother ko tawgan ko raw para mahold yong pag file ng kaso sa akin. Nag loan po kasi ako last yr sa planters thru company last oct po nawalan ako ng work so until now wala pa ding akong work. Ask ko lang po totoo kayang makakasuhan ako dahil dun defaulter na din ako ng cc. Same rin lang ba silang dalawa? Thank you po.

    ReplyDelete
    Replies
    1. just dare their bluff.
      basahin mo sa itaas ang sagot ko.
      lol!

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  11. Hi po. I just received this text from an unknown number. Is this true? "NCRPO Warrant and Subpoena Section Advisory: _____my name_____ expect our official commo to arrest you (Bench Warrant) at exactly 3pm tomorrow together with sheriff to issue writ of preliminary attachment to check your property. pls be informed for your voluntary surrender to avoid commotion at your place.call PS/Supt. RAYMOND DE GUZMAN.( regional legal affairs service)"

    ReplyDelete
    Replies
    1. I received same msg last year. Ginawa ko tumawag ako sa NCRPO. Pwede po yan ireport sa kanila. Marami pala nagaganyan from what i learned sa pulis na nakausap ko. Shempre natakot din ako nung nareceive ko. So i asked from legal aspects. They said scan un. And verified nga na scam un when i called NCRPO. Just ignore. Actually ginawa ko pa nga kinausap ko un nagtxt nung nalaman ko na scam. Di na nagreply.

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  12. @marc p. May i know po how much defaulted amount mo kay rcbc? Do you have mcc or bdo? Medyo big amount din kasi sakin. Sana wag magfile ng case and kayanin pa atin harrassments ng mga CA. Please update us po ano mangyari sa rcbc mo if they will file case against you. Goddluck kaya natin to hehhe.. Sabi nga ni banker ang importante walang firing squad.

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    Replies
    1. hi mam nancy bale 2 cc ko po sa rcbc. Tig P100k yung default

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    2. Afaik, they will file only if they think they will get something from you or nagpabibo yung collection agency dun sa banko. i have defaulted with bpi, amount is around 300k (which was my credit limit) which balooned to 1.2M now. Bpi already filed the case (mc ramiro) , stated amount is 300k plus. Hearing was scheduled last Apr 30, resked this May 30. Deadma lang ako, eto si mc ramiro nagtetext pa pwede ko pa raw settle sa kanila, e huling nyang salita sa akin, hintayon ko raw yung gagawin nila to make me pay hahaha

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    3. hi yes just don't mind the crooks
      offer sounds familiar, like they will ask you to pay in terms, but take note, ONCE you fail tuloy ang sum of money case...tuso si ca, nakuha na nila money mo and me sum of money case ka pa...ang saya di ba
      threat of making you pay...bawal yun ah (sabi mismo ng sheriff ke problemado...talaga naman these crooks tsk tsk tsk

      Delete
  13. Banker, nagttxt Po skin ang bank Ng SOA. Ang mga collection agency or collection agent nagchange po every week or every Kung Hindi ako magOK sa Kanila. Possible po ba un ? Kung Sunday wla po Sila call Tahimik Sila. Thank u

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    1. press 'delete'
      unless gusto mo ma-loko.
      ni kotong kolektor.
      lol!

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    2. @Donald Cruz, hi from what i understand comedians handle account 2 months and max of 5 months (pag konte ang authorized collectors)
      -yeah me rest day naman sila ng sunday and maybe holidays

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    3. @Donald Cruz, hi soa is system-generated , and when you change your number, stop na rin ang soa

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  14. Banker, effective August 1, 2017 resigned na po ako . Possible po ba mangharrass ang CA sa mga co-worker ko khit resigned na ko at wla na ko sa place? Nakakahiya sa Kanila bka madamay pa Sila. Gusto ko Ng contact number Kung magstart ang schooling ko para focus at makabaroad.hindi naman Sila banker Magfile Ng case estafa Ksi Wala naman ako contact sa Kanila (parang tumakas) thank u po

    ReplyDelete
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    1. 1. let your ex-office mates give them you number.
      2. pag-tumawag, don't explain. tell them na pag-usapan
      na lang ito sa court(swindlers can't of course.lol!)
      3. sila po ang swindlers, not you. hahahah

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    2. I mean banker ichange ko ang contact para focus po ako sa schooling. Wala tumatawag na CA. Ok lng un banker ? Thank u

      Delete
  15. HI I'm Erwin. I have an unpaid bill sa BDO ko. Wala ako work ngayon. Natatakot ako baka kapag nagka work ako BDO payroll namen. Kase stress na rin ako kakaisip nyan paano kung yung company n kumuha sken puro BDo payroll mhihirapan ako dhil pwede nila kunin ang sweldo ko. Please any advise????

    ReplyDelete
    Replies
    1. As long as it is tagged as "payroll" hinde puede kunin legally.

      Delete
  16. posted by Princess Di:
    Tuesday, May 23, 2017 at 11:02:00 AM GMT+8
    Hi banker, i am a defaulter for more than 1 year. I lost a job kase wala pong magaalaga sa kids ko. Ending 2 cc ko po di nabayadan. One is pnb nasa 14k plus pero nagpapadala lagi ng soa another is rcbc alam ko po nasa 30k plus debt ko merong monthly soa pero with pw at blinock na nila ako dun so di ko na makita total debt ko. Last month may nagpadala ng email on behalf of pnb na 3rd party law office. Pero ang sinabi na total debt ko mas mataas pa sa monthly na binibigay ni pnb. Kaya nireplyan ko po na swindling ginagawa nila at di sila nakakatulong. Hindi naman nagreply. Si rcbc tinawagan ko po ngayon kase last March 9 ung moeler law firm nagemail 70k plus daw utang ko pero.pwede daw lump sum payment amounting to 45k plus e ang alam ko po 30k plus lang utang ko. Ung kausap ko po na marissa aka melanie nanghihingi ako sa emai' ng payment option magbibigay daw sya pero kelangan ko daw magreply agad at sabihin ano pi0iliin ko e ilang beses ko na po sinabi sa kanya na wala nga akong pambayad kase wala akong trabaho. Ifforward na daw po nila sa litigation account ko to file for small claims. Pano po to banker and ms. Cherry wala po talaga akong pangbayad. Iniinsist ni melanie na kelangan ko na daw bayadan kase magffile na sila at ending din naman magbabayad ako. Naiiyak na akO. Ngayon lang din po ako tumawag sa law firm na yun kase ayoko mastress may sakit din ako. Magkano po ba ang dapat na utang para mafile-an ako ng small claims. Biglang lobo naman po kase nasa 30k plus lang ang utang ko talaga. �������� help po ano best way to do here. Thanks in advance po.

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    1. best way is to call their bluff - sue me.
      they can't.

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    2. @Princess Di, hi with your defaulted amt., bank won't waste time and money to bring you to court, kahit small-claims court pa, sayang po ang filing fee
      yes, just dare their bluff, ayaw po nila yun sayang yung commission

      Delete
    3. Hi banker and ms. Cherry, I asked for a payment option from Melanie pero up to now wala pa po sinesend. Thanks po sa mga advice. Pero magbabayad din po ako pag nagkawork na po uli ako.

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    4. hi yes God willing you will be able to get work pretty soon, for now just tell the crooks much that you wanted to pay but not possible as you got no work...and not sensible naman to pay the utang with another utang - as other ca will ask you to make utang muna para mabayaran si defaulted cc/loan (it will just be a financial marathon)
      and for me not ok to request for repayment scheme at the moment as you will just make the crooks hopeful and the more they will make contacts with you
      promise if you are not a good candidate for commission, ca will just leave you in peace

      Delete
  17. good day banker. meron ho akong unpaid balance sa AUB na 10k last march 2016 na lumobo na ngayon ng 30k. collection agencies kept calling me and insisting to pay the full 30k. pag d nabayaran after 3 days magfafile na daw sila ng case. totoo po bang aabot to sa korte? at pede ko bang bayaran nalang yung 10k nang paunti unti? after ba nun titigil na sila?

    ReplyDelete
    Replies
    1. scam po yan.
      after mo bayaran, bigla lang sila lalaho
      at another CA will collect from you.
      you do not have any proof from them.
      di mo nga kilala sila, right?

      Delete
  18. Hi ms cherrylou. I miss you po. Kahapon tumawag po CA sabi magfile case sabi cge ko hintayin ko na lang. ngayon po walang tawag 2 texts lang sabi need to pay minimum due kung hindi daw irerecommend na filing ng case then under strict monitoring daw po account ko. Paulit ulit na lang. Kailangan pa ipaalam na kakasuhan ako. Eh wala nga po pambayad heheh.. thanks much po.

    ReplyDelete
    Replies
    1. @Nancy, hi...went on leave yesterday
      yes pls. tell them just to go ahead and file the case... and promise no big deal bout the case and sabi nga po ni banker "one should rejoice, pag walang pambayad eh di wala
      most welcome Nancy

      Delete
  19. @marc p. Medyo may kalakihan defaulted amount natin me 150 and 260. Please update us po regarding your case if what will happen. Why na re sched? Hahha.. for sure may offer pa yan si CA sayo kahit may case na. Minsan nga naiisip ko kakapagod din pla trabaho nila lalo na kpag tulad natin hahha.. wala silang mapala. Thanks banker and ms cherrylou.

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  20. Good afternoon Banker and Maam Cherrylou pwede po ba sabihin na hindi na dito nakatira so they wont call anymore....Defaulted 2 cc from HSBC Thank you po

    ReplyDelete
    Replies
    1. nag-seminar din ang mga iyan sa usual alibi. lol!
      its no guarantee that they won't call if you said that.
      better is to dare their bluff - sue me.

      Delete
    2. wey ferrer, hi banker is right
      with me i took all the calls, kahit bitchy pa sila
      kasi i feel the more na i will avoid them, the more na they will leave messages sa office and magkakaron pa ng "conversation piece" and mga officemates ko and i really hate that to happen
      and i don't engage the crooks with longs talks, sorry no budget to pay period... and if you wish just bring me to court...

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    3. Thank you Banker and Maam Cherrylou I wont do that alibi but for the meantime hindi ko muna sagutin tawag nila kasi papagaling muna ako fr my operation para walang dagdag stress. Laking tulong ng blog ninyo dahil nagkakaroon kami ng lakas ng loob at dignity kahit defaulter. Di namin sinasadya nagkataon lang. Salamat po uli

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    4. @wey ferrer, ah ok
      sige po pls try to avoid muna the crooks as much as possible para maka-recover ka completely, yeah stress will not do you any good
      hoping and praying for your quick recovery

      Delete
  21. hi banker, a certain alfred dela cruz called my boss claiming na "publicator" daw sya ng PDI, ipublish daw nya case ko this afternoon but before he will do that i have to call atty. romualdo reyes na nagfile daw ng case ko, violating r.a. 354. banker, nagpanic sila sa office kasi masisira daw pangalan ng bago kung employer na deped kaya tnawagan nila PDI at wala naman daw po employee dun na alfred dela cruz, we checked IBP rolls of attornies at wala dn po atty romualdo reyes. nakakatense po pati mga bosses ko nagpanic. i knew po na cc defaulter ako since 2010 ngayun lang nangyari sa kin to, worried po ako sa mga unpaid cc's ko pero i get releived sa mga posts d2. madadamay po ba deped, wala pa ako 6mos d2. ako lang kaya ganito sa deped? or sa gov't agency?

    ReplyDelete
    Replies
    1. hi pls. let me share some thought
      of course not, promise si kotong-collector lang ang tumawag sa boss mo
      you're name to be published...whoa lumang scam na po yan and may i ask "me nakita na po ba si boss na nai-pulished ang name simply bec. cc defaulter sya ???
      mahal po mag-pa-pulish and crooks won't waste a single centavo doing that
      cheapest way to harass/bully defaulters is to send sms/emails and final-never-ending demand letters thru snail mail
      -guess better orient people in the office about the galawan of the crazy collectors
      -hope this helps

      Delete
  22. Good day,
    Isa rin po akong cc defaulter 2010 pa ung last dated payment ko,last year around feb 2016 nagulat na lang ako may tumawag sakin sa work place ko sa riyadh.ung unang response ko is makipagsettle from 100k ++ pesos nagoffer sila ng discounted amount from 50 to 40k na lang daw sabi ko wala akong ganung amount after nun araw araw na tawag ng tawag sa work ko,hanggang sa nahanap ko ung forum ng diskarte team at dito nakakuha ko ng advice kay banker at sa team diskarte ayun nagsawa sila kakatawag,pero after a year ngaun lang nabuhay na naman si aiqon.hehehe

    ReplyDelete
    Replies
    1. @jigz octeza, hi just ignore the crooks
      feeling nila siguro pinu-pulot lang ang pera sa saudi kaya nag-effort tumawag
      and these crooks just come and go, so di po dapat seryosohin

      Delete
  23. hello banker! nabasa ko sa previous comment mo po na pwedeng mabigyan ang defaulter ng bagong cards.. pano po if magapply ako ng bago sa metrobank po sana kasi payroll account ko din un.. sasabihin kong defaulted ako pag tinanung if nagkacard na po ako? matrace naman po nila un dba? thanks po

    ReplyDelete
    Replies
    1. @Lysa, hi just to share some idea
      been exchanging personal emails with a defaulter
      -he requested a friend working in a bank to check with cmap kung blacklisted na sya and hindi pa naman daw, malamang busy/or feeling lazy si defaulted bank to check with cmap or any agency handling cc defaulters
      -understand payroll is with mcc, can you not try other banks for the cc
      fyi if you default with your mcc cc, said bank will also subject your payroll account to auto-debit/offsetting kahit bawal...

      Delete
  24. Hi good afternoon...meron po akong car loan sa psbank tapos may mga nakadefault po aq na cc din po ako sa ibang bank pero wala po ako cc sa psbank..magkakaroon po ba ng effect un sa car loan ko? Magkakaproblem po ba ako sa chattel mortgage ko?di ko po ba maitatransfer sa akin ung ownership ng car ko? Thank you

    Jania

    ReplyDelete
  25. Hello Banker, after a year may email nanaman ako na nareceive but ang weird kasi it was from EASTWEST BANK (mukhang legit yung email address nya na she's from EWB) and ang position nya is "RECOVERY OFFICER".. yung 7k kong utang na bumalik to 13k eh ngayon may amnesty program daw so mag bayad daw ako ng 4,910 pesos then papadalhan daw ako ng letter and CERTIFICATE OF FULLPAYMENT (clearance daw yan)

    and naka note sa email nya ay ito:

    If no feedback or response received, we will immediately refer the matter for further action which would require you to pay without any discount. We strongly advise you to reply to confirm your intent to settle, or decline. In the event your account will be referred for Litigation, you will be required to attend court hearings, which would entail hiring and paying for a Lawyer to represent you. The potential damage to your reputation and financial standing is considerable. This may affect your NBI PROFILE as your name maybe tagged with “PENDING CASE”.

    confused na ako. hindi ko alam kung legit or what. eh last year oct yung isang CA na pinatahimik ko na, binayaran ko na yung hinihingi nila, sabi bibigyan ako ng clearance certificate katunayan na cleared na ko and hindi naman pinadala yung certificate! tapos eto nanaman.

    sobrang confusing. though alam k di ganun kalaki itong utang ko compared sa iba but still, libo parin po diba? nag-iisip ako kung bayaran ko yung 4,910 pesos na yan or wag na eh.

    What do you think po?

    PS: ang name nung nag email sakin eh MAYFLOR SALADINO from EWB tapos may info ko sya (home address and company address)

    ReplyDelete
    Replies
    1. 1. dedma.
      2. tapon.
      3. read the article again.

      Delete
    2. @ookai, hi that email is a big joke
      minsan me bible verses pa yan
      but just the same, deadma lang
      we know better than that...

      Delete
  26. Hi banker and ms cherrylou matagal napo akong nagbabasa ng mga advice niyo dito and it has help me a lot ro sleep soundly at night. Wala naman siguro may gustong di magbayad ng debts but there are unavoidable circumstances sa buhay natin. Defaulted ako to multiple cc and this is my first time to ask questions here 1) yun po bang remittance account or home alotment consider as payroll?since yung husband ko po is working abroad but his salary is just enough for our family's needs. 2) bakit po kaya ang dami pa ring nag haharass na ca despite may RA10870 na? Hindi po ba nila alam yun? 3)kahit po ba ilang sum of money case pa ma file sa defaulter walang magiging effect sa buhay niya bilang tao? Except of course mahihirapan na siya mag loan. Thanks po and God bless
    -minmin

    ReplyDelete
    Replies
    1. 1. defaulted CC and remittance with same bank?
      2. bawal po ang pumatay, bakit may pinapatay pa rin.
      see previous post - reality vs. theory.

      Delete
    2. @Minmin
      1. hi sorry am not so knowledgeable bout allotment accounts
      -but in my experiences with bpi and bankard, i got the sum of money cases just within a year of defaulting
      writ of execution been approved i think early part of 2016 and so far no garnishment of bank accounts, btw am just keeping my payroll account, and banker is right malamang busy si sheriff to look for my bank accounts or kotong-collector being lazy to get a sheriff to check on my bank accounts
      2. yes, crooks not aware of republic act 10870, or kung alam man nila (they simply won't care) and trainings lang po nila is how to make defaulters pay period
      3. sa akin no effect at all n am not taking out loans...sa totoo lang i dread that day when i took out plastics (halos na-sacrifice yung retirement pay ko, i took out office loans just to pay my bills and keep myself in that "good credit standing achuchu"
      -when Mom was hospitalized for months that is when i defaulted on my cards
      and since i will be retiring pretty soon i guess it is high-time for me to focus on building-up my retirement fund...

      Delete
  27. Banker, ask ko lng RA 10870 favor Po ba un credit card holders or credit card issuers or collection agency ? Thank u po

    ReplyDelete
    Replies
    1. It is. only on paper.
      "protected" ang cardholder.
      pero CAs are anonymous naman.
      this is the reason why this blog was created.
      diskarte lang natin. wag umasa sa iba.

      Delete
  28. Hindi naman po wala po akong defaulted cc sa remittance bank po. Its just that baka po pag nagkaroon ng case e ma garnish po siya. Thanks.
    Minmin

    ReplyDelete
    Replies
    1. credited to your deposit account?
      only if there is a decided case
      at si sheriff ay hinde busy.
      lol!
      otherwise, no problem.

      Delete
  29. LOL...Actually po yung account ko is tag as remittance account po. Kaya gusto ko lang po malaman if excempted po ito. Many thanks banker.
    -minmin

    ReplyDelete
    Replies
    1. wala po sa exception.
      withdraw immediately lang.

      Delete
  30. Thank you banker and ma'am cherrylou big help po talaga Kayo. Ready na Po ako umalis sa place ko at magchange Ng number ko para focus sa schooling ko sa August first week for 6 to 8 months pre-requiste na mkabroad. Peace of mind ako na Hindi ako makasuhan Ng estafa sa pagalis. MCC and EWB Hindi naman notorious Magfile case sum of money. Sa RCBC maliit naman ang credit limit ko 40thou naman Siya. Go with my dreams na ako ? Ba bayaran ko naman Sila kung nasave na ko Ng money. Need ko lng talaga magwork sa abroad Ksi Po 30 plus na Po ako at matanda na po ang parents ko para makatulong. 8 years na Po work sa hospital. Thank you po banker and cherrylou.

    ReplyDelete
    Replies
    1. Go follow your dreams.
      at wag mo na bayaran yung utang mo.
      baka himatayin ka once nalaman mo na milyon na.
      lol!

      forget the debt; not the lessons.
      p.s.
      don't forget us also.
      remember the Parable of the Ten Lepers?
      lol!

      Delete
    2. @Donald Cruz, our pleasure
      you must be a registered nurse, yes from what i understand pay is good in germany, just need to learn the german language...good luck Donald, yes pls. prioritize your dreams for a better life for your parents and yup someday you can always pay the bank directly... pls. get in touch ha
      God bless

      Delete
  31. Ok banker, sana macontact ko mameet Po Kau in the future at nandito po pa po ang blog site na Ito. God bless po. Babalik lng po ako sa phils para sa parents ko para magbakasyon.

    ReplyDelete
    Replies
    1. the next EB will be posted here.
      or ask M'am cherrylou.

      God bless and best of luck.

      Delete
  32. Ok po mam cherrylou. Alam po ninyo na registered nurse ako. Hindi po Ito real name ko Donald Cruz. Magpapakilala ako. Kung magkita tayo pagbalik ko sa Phils.

    ReplyDelete
    Replies
    1. @Donald, yes will definitely see you when you're home for a vacation/or at next eb (whichever comes first) and banker's blog will be here as long as there are abusive collectors out there
      -yeah for now pls. focus on basic needs

      Delete
  33. hello po gud aftie mga kadiskarte!!may tanong po sna aq...defaulter po aq sa mcc...pero bago po aq maging defaulter nagpachange address aq...ask q sna..alin po b ung ggmitin ni bank na info n ibibigay kay CA..ung address na gnamit q upon application or ung adress na naupdate na?Thanks po ng marami!

    ReplyDelete
  34. hi, wanna ask po,,,wat if i agreed to settlement dahil my ilalabas n skin n court order dw to be serve by napolcom and brgy official and municipal police,,,i even sign the agreement since ngdeposit lng ako ng certain amount...since malaki p ang balance ko at di ko makakaya tlaga sa deadline, wat will i do po?

    ReplyDelete
    Replies
    1. cry.
      naloko ka nila.

      the court- formal, legal, fair.
      pay when able pa.

      Delete
    2. hi, sorry ...banker is right
      the kotong-collector was able to pull your leg
      next time pls. don't believe the kotong-collectors khit malaki pa ang defaulted amt. mo
      -now for sure the crooks will pester you with never-ending calls/sms, but then DON'T MIND them and pls. tell them to sue you in court

      Delete
    3. naganyan na rin ako with unionbank before... bale, 6 months ako di na nakakabayad nun, then the CA offers easy payment terms using unionbank checks. di ko alam kung taga unionbank ba talaga sila or CA. nabayaran ko naman. yung nga lang yung pangako na certificate walang naibigay sa akin...
      late na nung nakausap ko si banker... paranoid pa ako that time...

      Delete
    4. now do i really need to pay my balance po?,,,ibig sabihin po ba hindi totoo ung kaso sinampa dw skin last january 2017 lng?

      Delete
    5. i already cried @banker because of frustrations and thinking of my family putting them in shame,,,idinaan p kasi sa brgy eh,,one thing im thinking still it's my obligation to face those debts,,,the problems is mahirap makakalap ng balance ko p sa agreement n yun,,,what will i do po since i sign that paper?

      Delete
    6. ms cherrylou, i just wanted this to end n rin, kya go into settlement,,,kya lang anlaki p din ng prob ko, the agreement which i signed and of course the balance p,,,

      Delete
    7. @creative minds, nakaka stress tlaga lalo n paranoid kpa,,,i really wanted this to end n kya, pls help po,,,

      Delete
    8. thank po sa conversation banker, cherrylou at creative minds....

      Delete
    9. our pleasure
      1. promise no case filed (fabricated po ni kotong-collector yung court order, me napolcom/municipal police pa...why, did you kill one of the kotong collectors
      look i had 2 sum of money cases and it is purely civil in nature like di affected ang police/nbi and sige barangay clearances ko (civil as in parang annulment case lang) i can get visas whenever i am able to save and would like to travel (fyi am NOT proud of these sum of money cases, it is just that i was able to deal directly with the bank for my 4 defaulted cards/i was given decent statement of accounts and am now fully paid, i did 3 and 4 year terms
      2. yeah just sad that your kotong-collectors were so DESPERATE at nag-maganda pa sa barangay para ipahiya ka...hey harassment po yun and you can bring the crooks to prison
      3. kahit pa nag-sign ka ng agreement, you have the option not to comply...otherwise you will sacrifice yung budget mo na para sana sa basic needs ng family mo and if you fail again to pay...PROMISE lalo kang guguluhin ng mga comedians
      4. yup nakaka-paranoid ang kautangan, but what can we do when we don't have enough money para mag-bayad
      5. as what i have said i had sum of money case and am GOOD, just followed banker's words of wisdom and i am able to pull though (banker's blogsite been my stress-reliever since i defaulted in 2013) and i have moved on, there are manaka-nakang comedians but kaya ko na silang i-handle (kahit pinaka-rude pang comedian)
      -my post is parang tele-novela na and sana kahit paano naka-bawas sa stress mo
      happy weekend

      Delete
    10. p.s.
      there's nothing to be ashamed of this kautangan, for sure di mo naman nagamit sa luho ang cc, but you also must remember there are unfortunate events in one's life making it impossible to pay like loss of job, getting sick, having a family confined in the hospital for months and syempre sya po dapat i-priortize (banks will not close-shop bec. of your utang and sa totoo lang we already made these banks richer when we opt to pay just the min. dues...di ba)
      and siguro when one is faced with defaulted cards, no choice but to inform family members of our predicament, para alam po nila galawan ng mga comedians and di sila ma-paranoid at maiwan sa ere
      -defaulters are being paranoid bec. of the guilt being felt inside, but we must accept the truth and sabi nga ni banker "forget the debt, but not the lesson learned"

      Delete
    11. hi po, una, im sorry po i used anonymous,,,na-tanga lng kasi ako, lalo pang katangahan nung nakipagsettlement pko kina atty kuno,,,

      ms cherrylou, susundin ko po ung cnabi ninyo nina banker, lalong lalo na ang #3, my ghad, dhil sa settlement n yun, ngpalabas ako ng 12k which is ginamit ko p budget ng anak ko at pang school sana taz dinagdagan ko p ng hiram,,,sa praning ko naniwala ako dun, ngaun panggatas ng bata hiniram ko p + ung hiniram ko n kelangan ko ibalik,,,

      lam nyo po b, hindi ako pinaputulog ng agreement n pinirmaham ko dahil sa tingin ko lalo ko lng inilapit sa kanila ang sarili ko, anyway mabuti n lng d ako gumamit ng landline at original number ko, bumili ko ng sim as my dummy number, na itatapon ko n...

      Delete
    12. one thing pla ms cherrylou, the agreement i signed was from recovery officer of eastwest, in which sbi nung tga bank (ksi dun din ako ngdeposit ng 12k) ay legit dw un,,,totoo po b un?

      Delete
    13. that was just a mere scratch paper.
      reminder again - if you want everything to be legal,
      pag-usapan ninyo ito sa court.
      p.s.
      anonymous who?
      lol!

      Delete
    14. hi banker, ang bait mo naman to reply as early as 5am,,,im crincess y the way from bacolod po,,,thanks ng marami sa tyaga ninyong makipag usap khit paulit2 lng un mga topic,,,

      Delete
  35. Good day to all!
    Update Lang po with my CC defaulted under Unionbank, yung Cases and Chun who handled the collection last March they messaged me at Facebook, then they emailed na if Hindi Ako naka settle until end of March, they will sue me, they even forwarded an email na I don't know if true na galing sa UnionBank telling to sue me, haven't heard from them since then..

    ReplyDelete
    Replies
    1. " Thank you for your e-mail. I will wait for the summons from the court if this is true"
      lol!

      Delete
    2. Hi, I'm Tania. same po tayo. Defaulter din ako ng Unionbank at Cases and Chun ang CA. 146k ang last na amount na alam ko and last payment was July 2016. I received an email today, from myrna magnaye - recovery officer daw ng unionbank. Eto ang content. May info ba kayo kung nagpa-file talaga sila ng case?

      Hi, Atty. Cases / Ms. Tina,

      Please include this past due credit card to our list of accounts for immediate court litigation this month if no negotiation of payment or settlement of the account will materialize until May 29, 2017.

      Let us prioritize to file a formal case against subject ASAP if the client still refuses to coordinate.

      Regards,

      Myrna T. Magnaye

      Delete
    3. maniwala ka dyan.
      Cases is a collection agency ONLY.
      pag nag file ang bank, di wala silang commission?
      common sense.
      lol!

      Delete
    4. @Anonymous same na same tayo ng laman ng letter nagkaiba Lang sa date 😀😀😀 same miss Tina and Myrna Magnaye, haven't heard from them since March. So d ko na din alam what happened.

      Delete
    5. Umiikot lang yan, pag di ka nagpaloko sa isang agency, malilipat naman sa iba.

      Delete
  36. hi banker tumawag po c jacqueline deluna sec daw po sya ni atty roberto ultado. may unpaid act daw po ako sa pnb na more than 200k pero may amnesty naman daw po kya 80k na lang daw, kelangan daw magdown ako ng 20k then til june daw po ung bal. sabi ko na lang po sa kanya na mag usap muna kami ng lawyer ko. advise naman po wala po akong ganyan na pera na agad agad. sabi dn nya po na galing daw sa recovery officer ng pnb ung unpaid account.cla dn daw po ang authorize to collect. sa ofc po cla 2matawag kya bnigay ko na no. ko po. advise naman po para lumakas loob ko kumausap sa jaqueline deluna na yan. jingjing of vigan

    ReplyDelete
    Replies
    1. jingjing,
      you did the right thing.
      para hinde maloko, tell that @@##$#jacquiline ( not her real name actually) to meet you in court.

      Delete
    2. thank you po banker, tumawag po ulit sya and she is happy to inform me na sabi daw ng pnb head office na 60K na lang daw and babayaran ko. 20k down and 40k til june 2017. i pretended po na nag usap na kami ng lawyer ko, asking for SOA, authority papers from the bank, documented arrangement of that amnesty na offer... and i even tell her na hindi ko mababayaran that amount kaya po sabi nya na i will undergo litigation daw at babalik sa dati ung amount ng debt ko including interest n penalty. If ever daw po na diretso ako sa head office magbayad, Si mr. Erdel Mercado in charge of recovery sa head office wd this no 02-663-2623 then the bank will inform them on whatever transactions transpired bet. me n the bank. tatawag ulit daw po sa lunes. banker matapang dn naman ako pero sinasabayan dn niya ako magtaas ng boses, siya na daw ung tumutulong bakit daw ako galit. nakakasira po ng mood. banker advise po ulit. thank you po and gbu. jing2 of vigan

      Delete
    3. Roberto Ultado din yung nagtatatwag sa office ng ate ko nanggugulo. Dan Rosales naman na siguradong fake din di tunay na pangalan Hindi matino makipagusap Thanks!!!

      Delete
    4. "Hinde po ako galit. salamat sa tulong. tulongan mo na lang ako na mag-usap ang PNB at ako sa korte kagaya ng advise ng lawyer ko. salamat ulit sa tulong"
      lol!

      Delete
  37. Pragmaludus: ask kolang po ano po pinakamagandang paraan kung gusto na talaga mabayaran yung loan sa bank para wala na po alalahanin.

    ReplyDelete
    Replies
    1. talk it out in court - formal, legal, fair.
      no need for a lawyer.

      Delete
    2. Salamat po sa response Banker!!! Sir pano po yun pag 50k po yung principal amount ng loan tapos according to collector it is now 300k na which I think unreasonable po yung 300k . Baka po di na sya abot sa small claims baka kailanganin na ng lawyer. Pano namin ilalapit sa court yung ganon case in case di na sya under ng small claims? Thanks po!!!

      Delete
    3. Siya ang may-sabi noon na P300,000.00 na.
      he has to prove it in court
      (collectors can't file cases!)
      lol!

      Delete
  38. Banker and mam cherry Lou Kung may bank account po ako sa germany, possible po makuha Nila ang pera kung file Sila Ng case dito sa Phils o Malabo Po? Thank u

    ReplyDelete
    Replies
    1. law is territorial.
      walang paki si Germany dyan.
      lol!

      Delete
    2. @Donald Cruz...not possible po
      and filing of case will be the least thing na gagawin ni defaulted bank...sayang money for filing fees and no assurance na mag-babayad si defaulter

      Delete
  39. Hi Banker, may nag email po sa akin from Agency, they informed me na pupunta sila sa house namin on Monday for investigation with Brgy Officials im so worried kasi baka mapahiya ako at magagalit sa akin parents ko sa kahihiyan. Please help

    ReplyDelete
  40. hi just to share a thought
    pls. ignore the email, kotong-collector just trying to pull your leg, wala po sa jurisdiction ni kapitan/kapitana ang umepal about credit card bills...

    ReplyDelete
    Replies
    1. Thank you Ms Cherrylou Big Help ..but meron po ba sila capacity na puntahan talaga ang house namin or nananakot lang talaga sila.

      Delete
  41. hi there are other posters who have said na at one time pumunta si kotong-collector with matching pulis-patola (na malamang sa hindi ka-connive ni ca) and yes most of the desperate collectors magaling at being cosplayers...
    ocular/field visits and investigation simply means that the crooks will send over their messenger to deliver the final-never-ending demand letters and whilst you are receiving the letter (which you can sign anywhere) will call the crooks to confirm receipt and will get you to speak with the crooks pag nice will just tell you bout their offer for repayments or pag-rude will bully you more and talk about filing of sum of cases etc (but promise no big deal as it will simply mean that the end is near...end of the pesteng collectors)
    -now banker's adv is "never to let these crooks control the life of the defaulters"...we maybe defaulters but we also have our right and that is not to be bullied
    collectors would come and go, so di po dapat seryosohin

    ReplyDelete
  42. Hi miss cherrylou ask k lang po sana if may case na po ako na sum of money,pag hindi po ba ako nagpunta sa hearing anu po ang mangyayari??tnx

    ReplyDelete
    Replies
    1. excuse me, M'am cherry.
      ako na sasagot. lol!

      pareho din po po pag pumunta ka.
      the judge will decide:
      You pay.

      Delete
  43. hello po! anyone po n ang ca ay saulog and de leon? tmwag po, kng dko dw masettle ung cc k today amounting to 249k (nsa less than 30k lng po naiwan k sknla last yr) eh wait k nlng po ung summon ng court at sgutin k nlng dw po, thank u very much po

    ReplyDelete
    Replies
    1. Thank the collector.
      "mabuti pa nga sa korte para legal lahat"
      that is daring their bluff.
      sinabi lang niya na ganoon utang mo,
      maniwala ka kaagad?
      lol!

      Delete
    2. ung letter po n inimail nla sa akin pti po husband k nkapangalan, ano po b pwede gwin pg gnon, srili klng po ung cc at hndi wla po ako extension.

      Delete
  44. Hi banker,ask k lang pag nag file ba ng case c bankard,may hearing na po,pag hnd ba ako umatend anu po ang mangyyari tnx po

    ReplyDelete
    Replies
    1. same as if you attend.
      the judge will tell you to pay.
      eh, walang pera.
      wala din mangyari.
      lol!

      Delete
    2. Waste of time, ako may scheduled hearing last april 30 napostpone raw. Kung pinuntahan ko dinsayang pa leave ko sa office

      Delete
  45. TO ALL ANONYMOUS POSTERS:
    please read the title of the blog entry first. please

    ReplyDelete
  46. sir norman RCBC din ako default , kaka default ko lang. kelan po kayo na default? tnx

    ReplyDelete
  47. Attention Ms. Shenna Fariolen Martinez, Your non-compliance to our messages, demands letters, means you don’t have any plans to settle your RCBC BANKARD ACCOUNT. After the time we gave you it’s for us to do the necessary action against you, All of your properties that be listed by field representatives is sufficient to cover your accountability proof of attachment to file case in court for how you solve it by means of your properties or garnish your bank deposit. Ms. Nomela Rubite- Filling Dept. of Alexis A. Molaer Law Offices.yan po ang narecieve kongbtext sa kanila ano po dapat ang isagot ko...

    ReplyDelete
    Replies
    1. press 'delete'
      there is no such thing as 'filling dept.'
      ano siya, Goldilocks?
      lol!
      Molaer cant file a case, FYI

      Delete
  48. @marc p. 2 mnths pa lang 27k ang principal amount ko kaw ba?

    ReplyDelete
  49. Hello, good evening po banker.
    Gusto ko lang po sana magtanong.
    Matagal na po ako di nakakabayad sa credit card.
    Palipat lipat po ako ng branch ng work kaya malimit wala ako sa bahay. Pero nung April 2017 napalipat po ako sa branch malapit sa bahay namin kaya dun po ulit ako nauwi sa parents ko.
    Siguro po may nakakkakita sa akin na dun na ulit nag stay kaya nun May 25, 2017 may nagdala po ng sulat sa bahay namin galing barangay.Kagawad daw po nag-abot
    Summons po daw po.
    Nakalagay po sa sulat na inaanyayahan ako magpunta sa barangay para makipag-usap the same day at 1pm. Nasa work po ako that time and hipag ko po naka receive. Di naman sinabi saken kasi di naman nakekealam ng sulat mga un.
    Wala ako iba alam na dahilan para mapatawag sa brgy kundi dahil po sa credit card.
    Ngayon po ay May 26 ng gabi. Plano ko po sana magpunta ng brgy. bukas, May 27 (saturday) para linawin sa brgy. captain kung bakit ako pinapatawag. Pero sure ksi ako na credit card un.
    Ano po ba maganda kong gawin? Natatakot po kasi ako. Kasi pag di ko sinipot ung summon ng brgy pwede daw ako mahabla. Pag naman po pumunta ako ng brgy. at sagutin ung summons, tuluyan pa rin po ako ihabla nung collecting agency.
    Gusto ko naman sana bayaran kaso sobrang laki agad ng hinihingi at sa maikling panahon lang binibigag.
    Nakahanap po ako ng work na mas maganda pay kaso baka naman po makaapekto kung itutuloy nila kaso.
    Please po help. Di ko na po alam gagawin ko. Sana po mabasa nyo at mareplyan agad tong msg ko.
    Thank you very much po.

    ReplyDelete
  50. Good evening mam cherrylou tanong ko lng in case na may pambayad ako sa mga defaulted Cc san pwde direct magbyad sa future. head office sa Manila Ng bangko?
    I heard po khit nasa abroad dw po macocontact Ng kotong collector ang contact number khit nasa Riyadh. Pano po Kung nasa germany ka pano po Nila maintindihan ang salita dun Hindi marunong mag English o mAg Tagalog ang mga tao dun German lng. Pano po Sila mkakabully at mkakapaningil? Hehehehe

    ReplyDelete
    Replies
    1. @Donald Cruz, hi nataon lang po na the kotong-collector was able to get through to the defaulter
      now if you have saved enough and wanting to pay the bank, just go personally to the recovery department/credit card division of the defaulted bank
      -like with bpi nasa paseo de roxas makati and bankard nasa may poveda sila (pasig city)
      now if the bank allowed you to pay without endorsing you to the crooks, well and good (pag ayaw pa rin nila...it will simply be their lost and not yours)
      have a good weekend...for now pls. wag mo muna pag-tuunan ng pansin ang mga kotong-collectors and just learn how to deal with them habang dito ka sa pinas

      Delete
  51. Hello, good evening po banker.
    Gusto ko lang po sana magtanong.
    Matagal na po ako di nakakabayad sa credit card. Mga 10 years na.
    Palipat lipat po ako ng branch ng work kaya malimit wala ako sa bahay. Pero nung April 2017 napalipat po ako sa branch malapit sa bahay namin kaya dun po ulit ako nauwi sa parents ko.
    Siguro po may nakakkakita sa akin na dun na ulit nag stay kaya nun May 25, 2017 may nagdala po ng sulat sa bahay namin galing barangay. Kagawad daw po.
    Summons po daw po.
    Nakalagay po sa sulat na inaanyayahan ako magpunta sa barangay para makipag-usap the same day at 1pm. Nasa work po ako that time and hipag ko po naka receive. Di naman sinabi saken kasi di naman nakekealam ng sulat mga un.
    Wala ako iba alam na dahilan para mapatawag sa brgy kundi dahil po sa credit card.
    Ngayon po ay May 26 ng gabi. Plano ko po sana magpunta ng brgy. bukas, May 27 (saturday) para linawin sa brgy. captain kung bakit ako pinapatawag. Pero sure ksi ako na credit card un.
    Ano po ba maganda kong gawin. Natatakot po kasi ako. Kasi pag di ko sinipot ung summon ng brgy pwede ako mahabla. Pag naman po pumunta ako ng brgy. at sagutin ung summons, tuluyan pa rin po nila ako ihabla ng CA.
    Kakatanggap ko lang po sa bago long work baka po makaapekto saken un. Please po help.
    Kayo na lang po pag-asa ko.
    Thank you po.

    ReplyDelete
    Replies
    1. Laurie Saens, hi can i just share some thought:
      creditors are given 10 years to collect, after that di na po possible and promise di po yan alam ni kotong-collector
      nataon lang po na natanggap mo yung summons from the barangay, collectors come and go, so di po dapat seryosohin
      -no need for you to see kapitan/kapitana, wala po sa jurisdiction nila ang kautangan sa credit cards
      now if bank was serious to file a case MATAGAL na pong nangyari yun
      -ignore lang po the crooks and pls. continue to move-on
      happy weekend

      Delete
    2. Ms. Cherrylou, thank you so much po. Ilang gabi na po ako di nakakatulog gawa nun.
      Maraming maraming salamat po.

      Delete
    3. @Laurie Saens, most welcome
      from now on pls. get a good sleep and kung magparamdam uli si comedian...deadma lang po

      Delete
  52. Anyone here who has defaulted cc at security bank? Are they filing cases?

    ReplyDelete
    Replies
    1. @Maloupitt, hi i have defaulted diners in 2014 and so far no case filed

      Delete
  53. Good Morning @creativeminds, ask ko lang if ok lang makipag deal ng 1 time payment dun eastwest cc ko. Ayoko ko na din kasi maabala at willing ako mag bayad, from 94k to 25k. 3 yrs. Stop na ung card tapos diko nababayaran. Sa tingin nyo, once na bayran ko ung 25k hndi na nila ako gugulohin. Salamat po.

    ReplyDelete
    Replies
    1. hi can i share some idea:
      ok to deal with the comedians if:
      a. me proper endorsement from the bank (like ewb sending you letter that your account had been endorsed to the ca you're now dealing with
      b. there must be a written-agreement
      c. amount must be fair and not bloated (and syempre po dapat walang harassment)
      d. certificate of full payment must be issued

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  54. Good afternoon diskarte team. Ilang linggo ko na din naiwasan ang CA ng EWB. Pero today nakausap ko yun collector sa phone. Ang total amount to pay ko is nasa 150k pa. May options na binigay. Option 1 pay discounted amount of 56k para tapos na daw obligation ko. Option 2 pay 21k for the charges and then revert to the previous payment scheme na 4k/month until fully paid. Option 3 pay last month's delayed amount which is 4800. Option 4 pay half of option 3, so 2400 by May 30.
    Di ako pumili kasi sabi ko wala ako sahod by May 30. Mejo tumataas na ang boses ni collector na nagngangalang Jenelle. So hinayaan ko lang sya sa kanyang ending spiel na iniinform lang ako na DUE and DEMANDABLE yun account and the bank may proceed with legal action, and so on and so forth. So ang sagot ko sa kanya "iniinform din kita ma'am na hindi ko mababayaran yun 2400 by May 30".
    If it was not for this blog I would have made the payment na 2400 by Monday, thinking that those crooks would stop harrassing me. Tempted na ako to take the bait and pay pero naalala ko sabi ni Ms. Cherrylou na if mag-agree ako sa payment schemes na offered nila, it only makes me a good candidate para mag-collect sila.
    So far wala ako naexperience na home visits ng field collectors from iba-ibang collection agencies for EWB. Madalas lang mga demand letters na nirereceive naman ng family ko and shempre the never-ending calls and messages. Also napansin ko dati pag nagpadala ng demand letters nakalagay name ng law office and other stuff which makes it look legal enough. Ngayon madalas nasa EWB na envelope or just a plain white envelope na minsan hindi sealed. Tingin ko pa-effect na naman ng mga agencies yun or baka baguhan tong collection agency na tumatawag saken. Hahaha.

    Anyway, again, many thanks to Banker and Ms. Cherrylou for patiently answering our questions. ��

    ReplyDelete
    Replies
    1. @MJ, most welcome po
      yes pls. focus on your basic needs
      -not sensible to deal with collectors na back in your mind, you very well know na mahirap mag-comply... promise once na sense ni comedian na you're a candidate for commission... di na pa kayo tatan-tanan ng mga kotong-collectors
      yan nga offer pa lang, napag-taasan ka na ng boses, ano pa kaya pag nag-sign ka ng agreement and not able to comply

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  55. Hi po banker! Ask ko lang kung magagamit nila against me yun promisory note na pinilit nila ipagawa sken. They promised me to pay certain amt on specific date.. Just to hold my warrant of arrest, kasi meron na daw sila arrest order laban sken.. Ano gagawin ko? If hindi ko ba mabayaran yun pde ko makulong.. Thanks in advance

    ReplyDelete
    Replies
    1. 1. the answer is NO
      2. wala ka din warrant
      3. di ka rin makulong.
      4. welcome whatever they say. hinde naman totoo.
      5. open your mouth and stick your tongue out to them
      "bleh!"
      lol!

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  56. Hi Banker and Ms. Cherrylou,

    Im a cc defaulter from one of the bank in Dubai way back 2007. I was already working here sa pinas since 2009 after kami natanggal sa work during recession. Ang problem ko was I think pinapirma yata ako ng security check from the bank. Can they file criminal case here satin? CA is always sending me email to settle the amount but I can no longer handle it since bloated na sya after almost 10 yrs. Please help me enlighten everything..

    Thank you..

    ReplyDelete
    Replies
    1. territorial po ang laws.
      wala tayong paki dyan sa Dubai.
      lol!

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    2. Banker andami kona unpaid cc eastwest 25k pnb 50k rcbc 75k citibank 85k syempre naglakihan na lahat yan. Anu po ba yun sabay sabay na ba nila ko dedemanda nakaka stress

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    3. @Peter North, hi banker is right
      what happened in dubai, will just remain in dubai
      and not possible for them to bring you to court in Pinas

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  57. Hi po. 2 years na po akong cc defaulter. Ilang years pa po bago ako pwede mkpg apply ng bagong cc? Meron po kc sa bpi na mag open po ng savings acct na may 10k maintaining balance then automatic may kasamang credit card. Hindi nmn po ako defaulter ng bpi. Pwede po kaya ako mag avail nun promo na yun? Thanks in advance..

    ReplyDelete
    Replies
    1. Pwede naman, but be wary may waiver dyan na once you default you allowed them to get payment from your savings account

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  58. Hi all. Wow I can really relate well to the thread. Sadly, I have 4 unpaid cc (East west 25k PNb 50k Citibank 85k rcbc bankard 75k) those are all my credit limit syempre dahil sa laki ng interest nila naglakihan na yan. Nakailang CA na nagpunta sa bahay at office nakaka stress kaso dedma ala naman ako ibabayad hehehe

    ReplyDelete
    Replies
    1. lamang lang ako ng 2 cc hehe. Maybank P100k EWB P120K / SCB P100k / BOC P125K / RCBC 2 cc tig P100k may lalaban pa ba?

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