Tuesday, July 04, 2017

Kakaloka!



no ANONYMOUS as username please........

240 comments:

  1. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. press 'delete'
      scare tactic. "final audit"? no such animal.
      kakaloka.lol!

      Delete
    2. @Donald Cruz, hi yes banker is right
      just ignore, and no such bullshit as final-audit
      ako nga defaulted in 2014 and sabi ni crooks/bank last stage of collection... omg

      Delete
  2. Tinakot ko Po Sa BSP Circular 454, RA 10870 Hindi na Po nagreply.

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  3. Thank u banker and ma'am Cherrylou nagreply bigla po bumait Ang CA. Natakot po siguro

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  4. Good day po. I'm working here in UAE. It's been 2 weeks na din na may tumatawag dito na collection agency from the Philippines about my AIG Credit Card. Don't know from where they get the info kung saan aq nagwowork. Hindi naman daily calls, siguro twice a week na sya tumawag. Pero this week daily na ang calls niya. Office mate ko ang nasagot, syempre ang bottom line wala lagi ako outside of the office. I already informed my fellow pinoy colleagues about sa situation. Yung cc na un was 2008 pa nearly 10 years na rin. Sabi nila tawagan ko daw sila within this week since they can't get hold on me. Kailangan daw nila gumawa ng report about my case. If i failed to comply daw, they will forward my case to their legal dept at mapipilitan silang kausapin ang employer ko which is ayaw rin nila mangyari. FYI, here in UAE wala pakialam ang lahat ng kumpanya kung meron kang utang sa mga bangko here man sa UAE or kung saan parte ng mundo. Should i ignore the calls po ba? Next time they call sabihin ko nagresign na.

    ReplyDelete
    Replies
    1. take their call.
      "mag-usap tayo sa korte para legal lahat. mag-bayaran tayo doon"
      ( pssst...swindlers can't face you in court of course.)

      Delete
    2. Hi Banker and Ms. Cherrylou. Katatawag lng ng ICON sa kin regarding my defaulted cards with AIG and EWB. 50K lang ang combined credit limit ko for both cards and now they are saying na 1.3M na sya since 2008 pa q di nagbayad. Ang nakakatuwa lang mga bargaining na nagaganap. From 1.2M down to 460K down to 140K pero for approval pa daw depende daw sa mapag-uusapan namin. Sabi ko sa kanila maliit lang ang sinasahod ko and not even enough to suffice my family needs since my baby aq at cost of living here in UAE. Imposible makapagcommit ako this year since madami ako binabayaran try ko next year. Buti na lang mabait kausap q. Sabi nila 5k daw magbayad ako this month to update my account para alam daw na willing aq magbayad. Sabi q negative eh kahit 1k na lang daw sabi ko tingnan q. Ang kulit di ba. Sensya na mahaba ha

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    3. you are under no obligation to explain to them. lol!
      mabait? I cannot guarantee it. hehehehe..

      Delete
  5. Hi banker and ms. Cherrylou nabuhay nanaman po ang mga kotong collectors masigasig ngaun c RCBC. sabi nya sakin dadalhin na daw nya sa court ung account ko for litigation na daw. Tumawag daw cla para tulungan ako na makabayad. Ang ayaw ko lang po ei mananakot pa po cLa. Problemado n nga po ako sa pagbili ng gamot ng nanay ko at pangkain namin sa araw araw unahin ko pa ba naman magbayad. Sabi pa nila sakin bahala na daw ako tutal naman daw mukhang madami daw ako pambayad sa abogado. Ang sarap nila murahin ei. Kaya binabaan ko n cla agad ng fon. Bka makapagmura pa ako ng di oras.

    ReplyDelete
  6. sabi nya sakin dadalhin na daw nya sa court ung account ko for litigation na daw.
    sagot: "mabuti pa nga"
    ( that's daring the bluff of swindlers. lol!)

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  7. Thank you banker. Sobra pong kaka stress po talaga cla. Dalawa po kc banker ung CC ko sa rcbc. Isang 50k at isang 40k. Lumaki n lang po un kc sa kapapatong ng interest. Nakakainit po ng ulo. Alam ko naman po na obligasyon namin ang bayadan un kc nagamit namin ung card pero hindi naman po ganun kalaki. Kaso po hindi naman namin kagustuhan na hindi magbayad ei. Naagrabyado n nga kami sa mga sahod namin pati cla sasabay din at mananakot pa na magdedemanda cla.

    Thank you banker and cherrylou. Kung wala talaga kayo dito pati na itong blog na ito bka madami n po nagpakamatay. Thank u po talaga.

    ReplyDelete
    Replies
    1. @Daph, our pleasure po
      yes just ignore the crooks
      promise, no big deal on sum of money case
      -simply the end of the pesteng-collectors
      just move on and pls. focus on basic needs and don't feed on the greed of the crazy-collectors

      Delete
  8. hi po gudeve...banker ask q LNG if ever n pumunta sa bhay c kolektor at maabutan aq pde q po bang ideny n aq ung hnahanap NLA at svhin n Hindi n nktira dun ung taong hinahanap Nils?thanks to

    ReplyDelete
    Replies
    1. nag-seminar po ang mga collector ano ang mga alibi ng defaulters. lol!
      buti pa dare him to talk this out in court.

      Delete
  9. Hahah ako nga din eh masisipag cila ngaun. Tawag ng tawG sa office. Tinakot yata ung dating branch ko at binigay ung landline sa branch kung san ako nakaasign. Mjo mabait pa kausap pero sooner lalabas din sungay... Buti n lng lagi ako basa dito.. Tnz sa inyo banker and ms. Cherry. And others... C primealliance nagpaparamdam na hehhee.

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  10. Hello! May nrrcve po akong e-mail re: my default card, pero yung e-mail address nya is @pldtdsl. Ayaw ko nmn na buksan kc baka nkakastress na amount lng yung mkita ko. Twice na clang ngpapadala this week. Yung pangalawa pa nga e nakalagay "EXTENDED" lols! Baka mmaya kc naka-monitor din pagbinuksan ko pa yung e-mail nila. Minsan may tumwag sa bahay yung ksama ko yung nkasagot, tinakot nnmn cya na adogado daw cya. Pati ba nmn kasama ko sa bahay? Cguro nmn po tama lng yung ginawa ko na wag na buksan yung e-mail since wala nmn po aq pambayad at katakot takot na pananakot pa ang mababasa ko, hndi nnmn aq makatulog sa kaba. Thank you.- Ms.Choknut

    ReplyDelete
    Replies
    1. Anonymous-Ms.Choknut,
      Simply press delete para iwas stress :-)

      Delete
    2. @Ms. Choknut, hi yes pls. ignore the emails
      promise attorney-no-case will not bother to do outgoing calls
      simpleng call-center agent lang po ang tatawag and magde-demand ng payment

      Delete
  11. @Jialhen...woah "nice ca mo huh" just learn how to deal with them
    -style nila mabait at first, but pag na-sense na no joy in making a commission from your end...promise lalabas ang pagiging sisterhood nila ke lucifer
    good luck, but again sabi po ni banker, pls. never allow the comedians to control the life of the defaulters

    ReplyDelete
    Replies
    1. Tama ka ms cherry for sure kapag na inis na sa akin un lalabaz sungay at pangil hahaha.. Ngaun araw wlang parMdam baka bukas hahHa..

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  12. Hi good day Banker. I lived in Doha, Qatar. Its been 2 days that someone called in the office according to coworker and she telling that she is from HSBC Dubai and she threatening that she call HR if i will not return call. She really called overseas. When i checked that number it does not belong to HSBc.

    I do not have any accounts in hsbc and i never lived in Dubai. However i have a defaulted loan 10 years back in Saudi i lost my job and went home nothing. Until now i am a struggling bread winner and a single mother. I do not know who is this woman who threaten me and please help me how to deal with this? Thank you so much!

    ReplyDelete
    Replies
    1. Mariana Cadizpa,
      Better ignore it, it just an empty threats :-)
      Calls- dare their bluff or say the magic word of banker :-)
      Maraming scammers ngayon ang nag-lipana

      Delete
  13. I received a letter stating I failed to appear despite notice. On the other hand private complainants representative Alex S. Ilagan Jr.appeared. Thus failure of accused to appear despite notice let the warrant of arrest issue against accused me. The bond for provisional liberty is fixed 2,000.00 Administrative circular no. 7-A-92. I dont know BANKER help... Whats this? The letter wala man lang seal. Tsaka nakalagay SO ORDERED, makati City tapos pangalan ng Judge...

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  14. Hi banker good day. Mga letters ng eastwest sakin lahat lahat di ko pinapansin d na nga ako nla ma trace kasol lang latrly ngpadala naman ng sulat sa ofc ko. Tapos this day i received a letter stating that accused failed to appear despute notice. On the other hand private complainants representative Alex S. Ilagab appeared. My warrant if arrest daw agaibst me. The bond liberty is 2000.00 Admibistrative circular no.7-A-92... Hindi ko nga alam anong letter to pls help. So ordered nakalagay Makati City. Tapos ang Presiding Judge s nino delvin embuscado. I dont know kasi this case. Pls help

    ReplyDelete
    Replies
    1. Tiffany Vargas,
      Letters- wag ng basahin para iwas stress or tapon malapit sa basaruhan...
      Warrant of arrest is applicable only for criminal liabilities not a cc problems :-)

      Delete
    2. Hi Banker good day diba nakatanggap ako ng ganyan letter sa Makati trial court kanina lang my pumunta sa ofc nagpakilala police hinahanap ako kasi nga my warrant of arrest. Andyan rin ako pero hindi ako nagpakilala. Ang kapatid ko kumausap sa kanya kong about sa ano. Sabi nya maliit na problema lang daw personal. Hindi nmn sya naka uniform my dala syang papel. Sabi nya sa kapatid ko my warrant daw ako. Makipagkita lang daw ako tapos magbayad ng 2000 tapos 500 sa abugado. Pero ng tinawagan ko ang head of police kasi kilala namin sabi sakin hwag pansinin daw kasi pag totoong warrant daw yon dapat SOP nila pakita ilang i.d. na police sila tsaka na uniform. Tapos tumawag kmi sa family friend namun na abugado e trace daw nya kong anong casr e wala naman akong letter natanggap na my hearing. Lastweek lang natanggap letter na hindi daw ako umatend nang hearing tapos bond liberty is 2000. Wala naman akong kaso tandaan kolang yong credit card na nangungulit.

      Delete
  15. Hello everyone. Thank you for this site. Very informative. Looking forward ako sa upcoming EB. More power to Banker and the team :)

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  16. hi po lahat.. share ko lng.. crooks called again sa work place ko knina den sympre alam ng officemate ko na bawal call kpg on duty. nag iwan n lng cila ng cel number para tawagan ko dw xila. kc pumunta na dw cila sa CEO ng company namin para ireport ung case ko..(wow amazing!! nakapagpaschedule sya sa hectic sked ng CEOs namin.. how true db?!!) di dw nila kc ako macontact.. (dis crooks nga pla ay c Primealliance isa sa mga sikat nating CA dito sa blog kasunod ni UTaldo. heheh) ok i called the given number to play with their games ba. nagpakilala ako so far maaus makipag usap pa c agent sabi ko "mr. cannanato nadisclose din ba ng EWB sa inyo na my report ako regarding sa balances ko jan. my suspicious tran jan before na na pinapaaus ko pero di nila biniggang pansin. anyway sympre hindi. " then sagot nya "mam pde tawagan kita ulit para recorded po ung usapan natin" sabi ko ok cge. then aun tumawga cya and as i expected tulad ng nababasa ko lagi dito sa blog. they offer one tym payment para di magarnish o ma-sum of money. sabi nya taga bank ako alam ko dw pde mngyrai sa akin. sabi ko keri ko lng installment pero alm ko na di ako pagbibigyan so sabi nya "so mam file na lng po ng case?" sabi ko "yes ganun n nga" sabi nya pa"willing po ang bank ng gumastos ng 100k na filling fee para lng po masingil kayo. " ah gnun ba sabi ko. " 64k lng pinababayarang nyo sa akin tapos c bank willing magpakawla ng 100k?? funny isn't?
    sabi ko pa "primealliance po CA nyo ryt? " di nya ko masagot ng diretso. sabi ko kc nasave ko tong number nyo from ung email sa akin kaya alm ko. anywy tnx u sa effort at khit panu maaus ka kausap. so i dont nid to file violation from RA 10870. "
    nung sinavi ko un para cyang nagugulat. ngaun waiting n lng ako sa mabigat nilang pagpapahiya sa akin. and tnx po sa blog na to natuto ako... God bless us po.

    ReplyDelete
    Replies
    1. Jialhen...good job
      defaulted bank willing to shell out 100k as filing-fee (that's bullshit)
      the crazy collector did that to me, would like to get through to my bosses and hr ang stupid reasoning "bec. i simply used the company's name in getting the cc...haler cc was pre-approved and nag=landing lang sa table ko and nung mang-bully the second-time na tatawag daw sa management/hr...i asked them "para que ??? "...woah para daw ipag-paalam to give me time na kausapin sila (pero alam ko galawan nila...gusto lang ipahiya ako and mag-bayad...sorry sa sobrang bully nila kahit me extra fund ako...i won't bother to pay a single centavo (everytime na tatawag sila laging nasa higher do yung tono nila 'no... tsk tsk tsk

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    2. For sure kaya nila gawin un na mambulabog sa hr and bossess just to collect... Well panu pa ba edi harapin if ever ipahiya ako dba. Pero im so sure na di lng naman ako sa company namin ang defaulter ung iba masmalalaki pa nga balance kesa sa akin pero wla naman ako nababalitaang my nangyaring ganun.. If ever bahala na c batman hehehe. Salamat mam cherry and banker and others po..

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    3. Take note pla... For supreme court pa ang kaso ko... Bigtime ko pla.:)

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    4. @Jialhen...yes if no choice
      just face the crooks and wag mag-pa-stress
      pls. remember COLLECTOR lang sila and si dapat seryosohin

      Delete
  17. Good day team diskarte... Kasama po ba sa credit card yun news na
    http://news.abs-cbn.com/news/07/07/17/paniningil-ng-utang-pinasimple-ng-korte-suprema

    Tnx and more power po...

    ReplyDelete
    Replies
    1. matagal na po yan.
      simplified procedure,
      same results kung walang pam-bayad.
      lol!

      Delete
  18. Hello po banker daph here again. Ask ko lang po ito.

    "Noong 2010 pa nang unang ipatupad ang small claims procedure pero Pebrero ng nakaraang taon lang tinaasan ang halaga na maaaring singilin. Mula sa P100,000 noon, P200,000 na ngayon. "

    Ibig po ba sabihin nito na kapag wala pang 200,000 ung loan mo hindi ka makakasuhan ng small money claim?

    Thank you po.

    ReplyDelete
    Replies
    1. SCC - P 200,000.00 and below
      MTCC -Below P 400,000.00
      RTC - P400,000.00 and over

      yan po ang mag-handle ng money claims.

      Delete
    2. @Daphn hi if defaulted amt. is less than 200k, sum of money case will go to small-claims court
      -as per mr. google, one-day hearing and no need for lawyer (unless the plaintiff or defendant is a lawyer himself)
      -again same diskarte, pag walang pambayad...eh di wala po
      and with my sum of money case...txt pa rin ni kotong-collector " possible hulugan ang defaulted amount para daw mabawasan "... big joke masaya si kotong-collector (and am not keeping bank accounts 'no )
      and sabi nga ni banker, malamang kuripot si defaulted bank, ayaw mag-bigay ng pang-gasolina ni sheriff
      -kaya si crazy collector ang dumi-diskarte !!! whoa

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    3. Thank you banker and cherrylou. Angel๐Ÿ˜‡๐Ÿ˜‡ po talaga kau samin.

      Delete
    4. @Daph... our pleasure and hope to see you in Nov.
      happy weekend

      Delete
  19. Gud day po. My nareceived din po ako letter from CA tpos my nklgay po na my need daw po punta sa makati trial court. Nareceived ko letter july 6 toos ung date na nklgay sa letter na scheduled was june pa. Should i worry about that. Thanks po in advance sa reply

    ReplyDelete
    Replies
    1. sabi nang wag buksan para iwas stress.
      lol!
      hanap ka pinaka-malapit na basurahan dyan.

      Delete
    2. Scaredmom,
      Nothing to worry, it is just an empty threats or scare tactics of a comedian :-) Sayang lang oras mo dyan...

      Delete
  20. Banker,

    Saw the news features in Bandera. Naka post na rin sa fb... About the small claim procedure na pinabilis. Please enlighten us.

    ReplyDelete
    Replies
    1. no big deal. matagal na yan.
      see Saturday, July 8, 2017 at 12:25:00 PM GMT+8

      Delete
  21. Good evening team diskarte... Curious po me Pag sa garnishment sum of money case po.. Covered po rin ba yun partnership and corporate bank accounts? Tnx and more power team diskarte....

    ReplyDelete
  22. Banker, small claim po ay pay when able ? Sum of money?

    ReplyDelete
    Replies
    1. venue and procedures lang actually ang nag-bago.
      it's still : You pay. plus xx% interest UNTIL FULLY PAID.( di ba pay when able yan? lol!)

      Delete
  23. Banker and ma'am cherry Lou , good afternoon, natransfer yung account ko dw sa ultado. Hindi pa naman Sila nangharass. Ano technique in case na mangharass. Po? Thank u

    ReplyDelete
    Replies
    1. all CAs use the same technique.
      So, we use the same diskarte - magic words.
      lol!

      Delete
    2. @Donald Cruz...oh the famous Ultado huh...good luck
      banker is right, just tell them to bring you to court and pag sinabi na pambayad wala ka... pang-hire pa ng lawyer... pag-sinabi ni comedian yun... pls. tell him "wala syang pake !!! diskarte mo na yun...
      kalma lang donald and focus on your studies
      and if ever na dito ka pa in Nov. i suggest na mag-attend ka ng eb...promise it's so much fun and good food...

      Delete
  24. Thank u mam cherrylou bka Hindi po ako makatttend Ksi po malayo Po ako. God bless po

    ReplyDelete
    Replies
    1. @Donald Cruz...ok
      sige po just hang-around para aware ka sa mga hokage moves ng mga comedians...

      Delete
  25. hello po again ms.cherry lou and banker, ngtxt po ulit ang ca kgbi my promo dw po bpi from 249k dw po n utang k magiging 110k nlng at 1 time payment dw po pra hugutin nla ung file n case skin, dko npo nirplayan, kc wla wla p pp 30k ang naiwan k sknla tpps ngaun gnon npo kalaki, at thank u po s advice ninyo

    ReplyDelete
  26. Good morning Banker/Ms Cherry lou, inquire ko lang if Aiqon has the right to sue me or file a case in court? Also if na reresolve yung cases being brought to BSP consumer affairs? Ilang araw na ako nhinaharass ng aiqon , nag email na ako sa bsp wala pa din reply. also is it true na wala ng credit cards ng standard gaya ng sinasabi ng aiqon? thank you






    ReplyDelete
    Replies
    1. @ renewed bm
      1. kotong-collectors cannot file a case, call po ng bank if they are serious in filing a case
      2.yeah i understand it is taking so much time for bsp to respond to emails re harassment ng ca and from what i understand from a defaulter what bsp told them is the possibility of repayment schemes with defaulted bank/s
      3. no idea on creditcards being issued by standard, from what i know nag-take over ang ewb sa standard chartered bank and yes maybe aiqon is one of the kotong-collectors... but just the same kahit po authorized sila at walang pambayad just ignore and focus on basic needs
      and sabi nga po ni banker to "never allow the comedians control the life of the defaulters, these crooks were trained to harass/bully defaulters and it is "asar-talo with the pesteng-collectors... so pls. learn how to handle them

      Delete
  27. @hopefull 02...hi good to hear that the comedians were not able to pull a trick on you...
    and bpi is aware that it is not sensible to file a sum of money case with a defaulted amt. of more or less 30k... and nakaka-lurkey huh...from a defaulted amt. or more or less 30k naging 249 k...anyare...paano naganap ang magic !!!
    most welcome and our pleasure and hope to see you on the next eb

    ReplyDelete
  28. Hello po!

    Kailangan ko po bang pumunta sa court kapag nakatanggap ako ng summons? Defaulter po ako ng BPI cc. Mahigit isang taon pong walang paramdam yung mga ca tapos biglang dumating kanina. Lumobo na kasi sa 200k yung utang ko. Wala din talaga akong ibabayad kasi bread winner po ako.

    Kapag may decision na po ba ang court, kasama po ba sa maggarnish yung pera sa insurance? Kung BPI din po yung payroll namin, gagalawin ba nila yun?

    Salamat po sa pagsagot. God Bless po sa inyong lahat.

    ReplyDelete
    Replies
    1. insurance? nope.
      payroll? nope.

      attend ka EB. click the "newer post" below.

      Delete
    2. @Sunday Girl, hi if ever nag-file ng sum of money case si bank, no need to attend
      whether you attend or not and hire the best lawyer in town, same decision... pag walang pambayad...eh di wala
      for now kalma lang...
      -i had a sum of money case and am good

      Delete
    3. Thank you po Banker and Ms Cherrylou.

      Ttry ko po makapunta sa EB. :)

      Question po ulit. Ano pong mangyayari after nito? Kung hindi po ako pumynta dun sa court within 15 days para dun sa summon? Dun na po ba yung writ of execution? Mga ganong katagal po yun bago ko matanggap? At habang pinoprocseso po nila yun, mangungulit pa po ba si ca sakin?

      Sorry andaming tanong hehe. Nakakatakot po kasi.

      Thank you po talaga sa inyo.

      Delete
    4. @Sunday Girl, hi as per my experience:
      i did not attend any hearing and the whole process took about 6 months from hearing to resolution and another 2 years for the writ of execution to be issued
      yes while the hearing is on-going, pesteng collector tried to offer an "out of court settlement achuchu" monthly repayments na if ever mag-fail ako to pay...tuloy ang sum of money case...i maybe a defaulter but i am not STUPID...and writ of execution was approved early 2016 and maybe defaulted bank being kuripot ayaw mag-bigay ng pang-gasolina ni sheriff...so hirit pa rin ng kotong-collectors discounted amt. for one time payment or can do daw installments...whoa...ayaw ko nga !!!
      -pls. don't be afraid, end is just near

      Delete
    5. Grabe naman pala talaga sila. Makakuha lang talaga. Haha. Ayan nakampante na po ako. Thank you po talaga Ms Cherrylou, Banker at sa lahat po talaga ng nag ccontribute dito. Nakakatulong po talaga kayo. God Bless po!

      Delete
  29. good day team diskarte..

    salamat po kay Banker, Cherrylou de Jesus at iba pang nag bibigay ng advise dito sa diskarte.. di ko naman ginusto ma-default dahil meron mga unavoidable circumstance na dumadating sa buhay natin. dumating ako sa point na naguguluhan na at di na makatulog ng maayos dahil sa sobrang harrasment ng mga C.A.'s

    ito po yun mga C.A's aka (Swindlers) na laging nagpaparamdam


    ULTADO Law Office
    GCCS and Associates Corp
    ADMEREX SOLUTIONS INC
    R.S Santos Law Firm
    S.P. Madrid & Associates
    Alexis A. Molaer Law Offices
    TELAN HIPE FLORES TELAN & ASSOCIATES
    Anotado, Dexter D
    SALVA Law Office/ENZI CORP
    ERJ Collection Management
    ML SOBREDILLA Law Office.
    Molaer Law Office
    Constantino law office
    Ramiro Law Office
    CASES CHUN and ASSOCIATES Law Offices
    Saulog and deleon law office
    Palis Law office

    ReplyDelete
    Replies
    1. Hi Benito question, Yang si Dexter Anotado tumatawag ba sayo? sya din yung kumocontact saken para sa Citibank card ko na 5 years nang default akala ko totoong taga recovery department sya kc ang gamit nyang email is @citi.com so most likely empleyado yan ng Citi na nagtatry magkapera? Hmmm...

      Delete
    2. @nts Parang Nag email Lang yata p yun..
      Pwede din siguro may commission din sila... Who knows pwede palabas Lang nila yun..

      Delete
  30. Nabuhay ang EWB ko hahaha Prime alliance

    Me: hello?
    CA: si mr keme ba ito?
    Me: yiz why?
    CA: si Ms lou ito legal adviser ng Prime alliance
    ME: ah ok yes po ano pong mag advise niyo sa akin?
    CA: sir nasa P390k na po ang utang niyo? ano po balak niyo?
    ME: huh? diba adviser ka? so pls im listening.
    CA: kaw na nga may utang kaw pa pilosopo! nasa legal na yung account mo alam mo ba yun!?
    ME: hindi po eh kelan pa?
    CA: mag babayad pa po ba kayo or hindi na?
    Me: mag babayad kung maliit lang yung sisingilin niyo
    CA: for legal na po ito lumpsum payment na lang pwede. anyway mag field visit kame sa inyo
    ME: ok lang po. ano po gusto niyo tanghalian? meron po kaming sinigang na daga masarap yun. see you

    ReplyDelete
    Replies
    1. @marc p... tawa much ako dun ah
      good job... naka-kuha din ng katapat ang famous prime alliance huh

      Delete
    2. @cherrylou madam grabe din eto kausap as in murahan at sigawan... sabi ko nga sa CA na babae .. mam di ka ba napapagod sa ginagawa mo? lagi kang galit sa work? siguro ang chaka mo na ngayon..

      Delete
    3. @Marc p. ah yes yan ang diskarte ng infamous prime alliance (pls. add to the list cases...)
      laging nasa higher do ang mga boses...ako nga before while the bitch was talking to me, i can overhear the bitch asking her staff daw (sosyal me staff ang gagah...) to call our hr/management..so i asked the bitch WHY ... and her stupid reasoning was ginamit ko daw company in applying for the card...haler, i never applied for the card, nag-landing lang sa table ko bec. i was then a good payer...and did my damn best to settle all my payables, until that time when nanay was hospitalized for months and need to forego payment of cards just to keep nanay-alive...
      and bec. i will be retiring-soon, napa-isip ako to stop taking out office loans to pay off cards and i guess it's high time to prioritize my retirement fund...
      see you in nov.

      Delete
    4. ms.cherry and sir marc p. parehas akung ngbabalik luob ang PARMI. di ko pa nga nakakausap eh... siguradong mgagalit nnman sakin ung camille

      Delete
    5. Omg grabe tlga yang primealliance na yan. As in super murahan ba tlga?? Yan din tumatawag sa akin last wik hahha. Sipag nila ngaun ha.yang EWB at CA crooks nila go to hell cila hahaha. Dapat recordes mo ung conversation nyo para pang proof mo un ng super harassment dapat makulong yang mga yan. Kakapanting ng tenga ha.. Tnx sa share nyo ng expirience nyo sa knila. At lis may idea na tayo how to deal with them.. Kudos sayo marc p. Hehehe

      Delete
  31. Hi Banker / Maam Cherry Lou,
    Would you know if Citibank had any instances of filing for a Sum of Money case in the past? Mejo nakakapraning lng kasi 5 years na akong default sa kanila pero nakakareceive pa din ako ng statement. I know it's system generated pero the other day nagemail saken yung recovery department nila about my credit card. Legit yung email kc domain nila ung gamit.
    Thank you po sa inyo, your advises have been very helpful to counter my stress and trauma sa predicament ko. I've been following this site since I defaulted from most of my cards back in 2011.

    ReplyDelete
    Replies
    1. @NTS, hi yes you're right you still receive the soa bec. it is system-generated
      -now if citibank was dead serious to file a sum of money case...it should have happened looooong ago
      -fyi i had a sum of money case just within a year of being in-default... so pls. trust me and yup have followed banker's adv. till the last letter and i am good (had the case in 2014 and just like what creativeminds had said...wala naman nabawas sa laman ng bahay ko and am just keeping my payroll account...)

      Delete
    2. Salamat po Maam Cherry Lou! God Bless po!

      Delete
  32. @ Benito Jose, most welcome po
    yes for now pls. ignore the comedians/crooks/kotong-collectors
    crooks will come and go so di po dapat seryosohin
    pls. focus lang po on basic needs
    -fyi wala pong forever with the pesteng collectors

    ReplyDelete
    Replies
    1. @cherrylou Akala ko Kasi pag na-default ka Parang palabas sa sine/tv na kukunin lahat ng pinaghirapan mo. Lahat ng gamit sa bahay pati damit kukunin nila hanggang sa kalye ka na matutulog..

      Delete
    2. @Benito Jose, hi pls. don't worry as per banker, if ever banks will only be interested with bank accounts
      and in my case, had the sum of money case in 2014 and the writ of execution early part of 2016 and hirit pa rin ng comedian discounted amt. for one-time payment and recently nag-txt baka daw possible na hulugan ko yung defaulted amt. para mabawasan...haler, if i pay mawawala ba sum of money case and sana kung di sila masyadong greedy sa commission, noon pa sila nag-offer ng realistic na repayment 'no...like what i did with my citibank and union bank- arrangement directly done with the bank, walang pesteng collectors

      Delete
  33. Hi banker and Ms. Cherry defauter po ako ng bankard for 6 months never kung kina usap ang mga ca na tumatawag sa akin to avoid stress, this day po may tumawag sa office from manila kc im in the province at ang boss ko ang kinakausap may compalin daw sa akin di namn sinabi about saan nag iwan lang ng tel. number at cp number kaya my boss call my attention tawagan ko daw si colonel marcelino corrunel duda ako its about my default cc sobrang kaba ko talaga do i have to call them back para d na sila manggulo sa boss ko nakakahiya kc ..please advise what to do po..salamat

    ReplyDelete
    Replies
    1. @teresita u dont have to call the idiots pretending to be someone else. Pls. explain to your boss na lang those are just CAs . humingi ka na kang ng pasensya and for sure he of she will understand. Ako nga yung nga tumatawag eh major, pulis, colonel etc. natatawa na lang ako.

      Delete
    2. @Tessa Pate, hi yes that call was just from the pesteng-collectors
      and di po itina-tawag when a case is filed... and colonel pa ang tatawagan huh... scam lang po yan
      -just in case the crooks call again, pls. tell them na no budget to pay the defaulted cc and mag-file na lang sila ng case kung gusto nila (and ayaw po ng comedians ang sum of money case...nawawala po kasi ang chance nila for a commission...)
      kalma lang po

      Delete
    3. Hi ms cherry salamat sa reply update lang po just recently kakakausap ko lang po nong nagpapakilala na colonel sabi ko sa kanya sir recorded po itong usapan natin ano po ung problema at boss ko pa mismo ang kinausap mo at hindi ako sabi niya may nagsampa daw ng kaso c atty. halili against me criminal case sabi ko ano pong kaso may napatay ba ako wala cyang masagot sabi ko scam ba to or joke sabay tawa sabi nya baka mapahiya ka pag pinuntahan ka ng mga tauhan ko dyan sabi ko antayain nalang kita sir..eh ang layo kaya nya quezon city camp karingal daw eh nasa mindanao ako sayang ang pamasahe tapos kung its about my defaulted cc sorry nalang siya wala akong pambayad. Im just thankful po for this blog and to banker ang dami kung alam at nabasa about sa ganitong eksena ang di ko lang ma carry kung sa boss tumawag nakakahiya pero ok lang life just go on. Sobrang thank you to all the people in this blog sana kaya ko pa ang dumating na mga harassment ng mga ca.

      Delete
    4. @Tessa Pate, hi yes just hang around para makaya mo lahat ng kalokohan ng mga pesteng-collector na yan
      -i defaulted ewb in 2014 and the amt. was more or less 25k ad this bitch (yumi daw ???) from cases and trying to threaten me with this crap like their Manager (duh!!!) assisted by the barangay-tagay dropping by our office and kaka-usapin daw management about my unpaid-bill (so i told her/him-parang bading kasi) that management nor barangay-tagay has nothing to do with unpaid cc bills...so nagalit si bina-bae and was telling me nasty things...so ayun binagsakan ko lang sya ng phone and siguro kung me pakiramdam sya he can feel na di nya ako pwedeng ma-scam...

      Delete
    5. Banker/Ms Cherrylou

      nag padala po sa barangay captain namen si atty ultado.. pupunta po ba ako sa barangay pag ako pinatawag . salamat po

      Delete
  34. Banker/Ms Cherrylou
    Yun ngabpo sabi nung kotong na pala na standard. So sabi ko bakit naniningil pa sya . sa ewb nga daw. Ang binigay nya na authorization from standard is 2010 pa. Gusto ko din naman mag settle pero sa mismong bank. Angbhabol ko lang sa bsp is yung complaint ko s a Aiqon pa tumigil na yung kotong ng kakatawag. . Please advice what to do. Thank you po

    ReplyDelete
    Replies
    1. do you know what a blackmail is?
      ayaw mo tawagan ka.
      doon ka titirahin ni kotong kolektor
      to force you to pay his commission.

      take the call and say the magic words.

      Delete
  35. Re: RCBC Bankard Services Corp. Credit card account has been scheduled for immediate filing before the Trial Courts of Pasig City. However, due to humanitarian reasons and fairness, we are giving you a non extendible period of two days from receipt hereof, to positively respond to our demand to settle, otherwise, we have no other alternative but to immediately file the necessary and appropriate case/s in court ( civil case for collection of sum of money against you and your spouse, if any, under Rule 3 sec 4 of the New Rules of Court and/or criminal violation of RA. 8484, Defrauding of Creditors, if legally warranted against you) without further notice. For settlement pls contact Ms. Grace Bersamin 02 7090519, kindly indicated your full name and card number if text messages is sent. This is our final warning.

    Help nman po...22o poh kaya etong txt n ntanggap koh? Ano poh ba ung RA8484?

    ReplyDelete
    Replies
    1. @kheigh13, hi pls. ignore the sms/email
      when a bank is serious to file a case, promise wala po syang warning ...one will just get the summons and no big deal (just an end of the pesteng-collectors
      r.a. 8484 is for the use of fake credit cards
      lahat po ng kotong-collectors me version ng final warning...so deadma lang po

      Delete
    2. kheigh13,
      text messages/e-mail mesages- simply press delete para iwas stress :-)

      Delete
    3. Laking tulong.poh tlga ng blog na.ito.

      Delete
  36. Hi Banker and Ms CherryLou, i am just worried because again today, according to my worker someone called me in the office from Dubai using mobile number not landline telling my officemate that i have loab in Saudi way back before and if i will not return call they will call HR and send this matter to court.
    1. She is from Dubai and what is her connection with Saudi Bank.
    2. Is it true that she can file a case to me in Qatar???
    Please help me. I never return call to this woman because she never gave her complete name and office address. But she is threatening me over the phone according to my officemates.
    Please enlighten me and thanks for the time

    ReplyDelete
    Replies
    1. @Mariana Cadizpa
      1. nothing, bitch is just trying to pull your leg
      2. nope, what happened in dubai will just remain in dubai
      -yes no need to return the call of the pesteng-collector
      crooks were trained to harass/bully defaulters... pls. ignore lang po

      Delete
  37. Mariana Cadizpa,
    Yon ang trabaho nila over the phone
    take the call- I will settle this issue thru the court para legal lahat. In the first place, hindi mo naman cya kilala :-)

    ReplyDelete
  38. Hi! default card na ata ung akin ( chinabank cc) kasi last gamit ko is 2016 pa. then puro demand letter pinapadala.and then ung adress ko kc is sa old haws which is tibag na kasi nbli ng ayala ung lote dun. we are just tenant so ung messenger nung CA e dndla sa baragy nmin ung letter and then they told them na d n ko nktra don and lumipat na ko haws. then ang gngawa ng messnger e sa relatives ko bnbgy ung demand letter so sila signatory once ppirma upon received ng letter.
    and ito nga po may nkausap na ko sa Molaer law office regarding sa payment shcheme pumayag cla 2k per month lng ibayad pr d n lmaki interest.sa mismong bank ako nagbabayad. and upon payment for 3 months e patuloy pa dn ngppdla ng demand letter sa relatives ko ung messger ng CA yta un.then sinabi ko sa sa CA na kausap ko na ganon sb e dedmahin nlnh daw demand leter so i did.
    this last 2 months 1 forgot to pay kasi dami din bills.then thimik naman wla ko nrrcvd na calls and txt from them so i think okay lng. then yesterday I got a msg from someone saying: please call asap, "were on our way" and nakakapgtaka lang imbes itxt ako ng Ms. ( surname) e ang txt sken e Ms. ( firstname, informal), d ko madyado pinansin kasi I panicked thinking it is Ca.so I called them and then ung nkausap ko po is from Taguig Police station saying may bench/search warrant daw ako from them. 4 na case daw and estafa daw. i asked if sino complainant sabi confidential daw so they referred me to Atty. Rene Puno and gave me his law office # to make areglo daw. So i called this landline #.upon talking to them e ang bungad e " sino to?! pagalit pa. so ako sb ko is this atty rene puno law office sbi oo daw ano daw need sbi ko e why ako my case s knla and sb e confidential daw ppunta n daw police s haws nmin around 3 to 4pm.then ang ingay ng background same sa background ng taguig police station na tinawagan ko.So i searched sa google f legit ung Atty Rene Puno and seems legit but ung contact details e iba sa bngy at tnwagan ko and d msearch sa google if anong company ung # na un. so i went to Chinabank to talk about that and they told me hnd cla un then even called their credit division and they also denied na sa kanla un pero ung account ko e endorsed na pala da RGScollection agency. so the bank gave me their # so i called. This Rgs collection agency told me na pullout n daw account s knla so they endorsed it sa collection agency which is Uldato law office and this Uldato law office told us na hnd daw sila un and pinag aaaralan palang daw nila ung case ko if pano makkaabayad. and sabi pa e kht daw 10 years to pay e hnd mtttpos byran ung akin kasi lumulubo interest.from 80k naging 155k na kaya shocked ako tlgs kasi may usapan n kami ng Molaer na stop incurring interest na once i made payments na e.sabi dn nila d nla klala ung Atty Rene Puno

    then eto ngresearch ako disoras ng gabi sa mga blogs and found this and some from pinoyexchange c banker at agapito.
    my mga comments don about this Uldato Law office and upon reading this blog Taguig din ung saken, take note taga Cavite ako so why Taguig.
    super stress ako and i also find out the # w/c the police station gave me e it is to certain Ralph Santos under Uldato law office.

    ReplyDelete
    Replies
    1. @ doranglakwatsera...hi i guess from now i would suggest on never to deal with the kotong-collectors kasi there are times na as much as we wanted to pay our utang there are events preventing us to pay and yes nasasayang lang lahat ng binayaran natin and at the end it will just be another saga with the pesteng-collectors
      -for now pls. focus on basic needs
      fyi, crooks/kotong-collectors/comedians are bunch of liars, were trained to bully/harass defaulters...etc

      Delete
    2. Hi ms.@cherrylou nasayang ung 3k na bnyad ko the other day kaiyak! sa sobra panic.
      anyways, gusto ko dn nman ipay sna pero ung tlgng ngmit komg amount not the interest charges etc.kaya lng hnd ko alam if kanino mkpag usap. if sa bank or sa legal office.pra dn mclear na name ko with them. bka kasi mabranggay ako. nkakahya!

      and pde ba idemanda ang law office na yan ng harrasment at ilapit sa PAO?

      Delete
    3. @ doranglakwatsera... yeah sayang yung 3k mo, so pls. next time wag na po mag-papadala sa stress or panic sa mga pesteng-collectors na yan
      now if you have extra money, pls. try to go personally to the recovery department of the defaulted bank and just tell them na as much as poss ayaw mo maki-deal sa mga comedians
      fyi barangay has nothing to do with your unpaid cc, pwede lang umepal si barangay pag ang utang is sa isang ka-barangay... pag ayaw mag-bayad poss magbigay ng certificate to file a case si kapitan/kapitana...other than that, di na po pwede pumasok sa picture si barangay...
      actually poss i-reklamo si kotong-collector ng violation of rep. act 10870... yun po ang me-imprisonment

      Delete
  39. doranglakwatsera,
    super stress ka kay Ultado law office :-)
    Try mo kausapin si Ralph Santos sa police station kung talaga sisipot yan :-)

    ReplyDelete
    Replies
    1. Hi! mega stress inabot ko. ganon ba tlga ang Ultado Law office?grabe lang. prng criminal treatment. worry ko lmg dn kc bk mgrecord sa NBI once the case e mapush thru. kasi sa nababasa ko ang cpag niUltado mg submit ng gnyn

      Delete
    2. @doranglakwatsera, hi yes most of the kotong-collectors are a pain in the ass, just have a short list of the pesteng-collectors na na-encounter ko parmi/prime alliances, cases and michael yngson law office
      pls. don't worry, sum of money case is purely civil in nature (parang annulment case...) no imprisonment and no effect sa nbi and police- clearance

      Delete
  40. Hi Banker and Ms. CherryLou

    Isa din po ako sa mga di pa nakapagsettle ng credit card balance at ang mga kolektor ay nagpupunta na sa bahay para magbigay ng mga letters, kesyo ganto, ganyan, ang nakakastress pa, gusto nila magpay ako in full! Pagbukas ko ng huling letter nila, nagtaka ako kasi nasa 37k yung utang ko pero pag nakakarecieve ako ng SOA ko s PNB is 32k lang. ask ko lang po, pag po ba nagbayad ka ng kung ano ang kayang bayaran lolobo paba ang interes? Ilang beses na ko tumawag at nageemail sa PNB ang laging reply nila is nakaxfer na sa collections agency yung account ko. Nakakastress pa maningil ang mga CA. Nahihiya ako sa MIL ko baka sila makausap nung CA ��

    ReplyDelete
  41. Hi Banker and Ms. CherryLou

    Isa din po akong defaulter. Di na kasi ako nakapagbayad sa cc ko PNB. Nasa 32k ang utang ko sa kanila pero as of 2weeks ago, may mga narerecieve akong letter from CA, actually png 2nd na clang CA. Pag nababasa ko letter nila, nastress ako, pero itong new CA na naghahawak ng case ko, medjo harsh sila, nagulat ako pgbukas ko ng letter is nasa 36k ang utang ko pero 32k lang sa SOA ko sa PNB. Natatakot akong pumunta sila ulit at idamay pa pati brgy namin. Ano po ba mganda sabihin sa kanila kung magbalik sila pero wala akong pambayad ng ora mismong 32k.

    ReplyDelete
    Replies
    1. Meow V hi yes when an accounted defaulted pls. expect na bloated na yung amount na ibibigay ng kotong-collectors
      fyi, barangay has nothing to do with your unpaid cc, now pag nagpunta sa bahay nyo at nag-maganda just face the crook head on...if need patulan...patulan mo in a more civilized manner and just tell him/her na he is violating republic act 10870 (but for sure bobo si comedian, so google na lang nya...)
      -and maybe try to invest and buy a german-shepherd...para me welcome committee ang mga pesteng-collectors

      Delete
  42. Oo nga dare mo cya punta sa police station.. Tapos videohan mo if darating... I doubt it..

    ReplyDelete
  43. Share ko lang sa group etong recent experience ko sa sum of money case filed by Cases Chun Law office for RCBC cc. Umattend po ako ng hearing sa Pasig Metropolitan Trial Court. Nag Grab lang ako dahil hindi ko alam lugar. Duon sa labas ng court naka print out yung mga cases to be heard for the day. Pangalan ko din nandun. When the proceedings started ang daming sum of money cases, mostly RCBC. Meron din BPI and EastWest. Pero yung judge mabait. Sa cases preceding mine, sabi lang ni judge..."o mag usap muna kayo (yung law office at dinedemanda) at sabihin nyo kung anong napagkasunduan nyo at ilalagay natin dito. So they went out and discussed among themselves then balik kay judge para sa decision nya which is to pay back the bank. I met one "good samaritan" from a law office din suggesting when my time comes, to nego with the law office that you will pay all you spent minus ALL interests. Ganun daw si judge. Makatao. Kakampihan daw yung may utang. Unfortunately, when my case came up, waiting to use this suggestion, the lawyer from Cases Chun was not present and the judge dismissed the case without prejudice. Thanks God. Questions kay banker and ma'am Cherry Lou...will they re-file the case? The clerk said they will send the decision to the law office and to my address (I already received my decision letter - dismissed). I put "..." on the good samaritan/collector I met as somehow apprehensive about his suggestion. What do you think of his suggestion, ie, to pay all minus interests? Seems fair to me?

    ReplyDelete
    Replies
    1. @jmendo, hi good to hear that your case was dismissed
      -yeah from what i have heard in sum of money cases, pag wala ang legal counsel ng plaintiff, dismissed ang case
      -well if you have the money, ok lang to pay the actual defaulted amt. less the surcharges
      -i think it will depend on the defaulted bank if they would like to re-file the case
      happy weekend...

      Delete
    2. Rejoice, your case is already dismissed. Kawawa yung legal counsel, malamang madsimiss din. hehehe

      Delete
    3. Salamat din sa support group na eto. it helped a lot to be strong and face your CA in court. As you mentioned in previous posts, attend or not, decision is to pay back. Gusto ko umattend dahil first time ko ma sum of money case. So eto pala court room, judge, clerk, court room, etc. Para akong tourista dun. I felt strong even though nag iisa ako umattend dahil sa group na eto. Thank you ma'am cherry lou, banker and all who shared their experiences. Happy weekend to us all. God bless you. Read there is coming year end EB. Will do my best to come so I can meet you ma'am cherry lou, banker and other.

      Delete
    4. @jmendo, yes pls. do best to attend the eb in november
      tama, with banker's blogsite i was able to pull-through with 2 sum of money cases (bpi and bankard)
      and this time kahit ilang beses pa sila mag-offer ng discounted amt. for one time payment...promise i will not/never take their offer... ayaw nila ng money ko before so be it and dahil sa pananakot before ng kotong-collectors about attachment of properties natutuhan ko rin ang tamang diskarte like
      1. putting my money sa bank account ng mga anak ko (now of legal age...)
      2. and whenever there are further acquisition of properties...syempre automatic na naka-pangalan na sa anak ko
      -just have this thinking na better to be safe than sorry...besides lahat ng sini-singil ng bank halos interest and surcharges na lang... masaya

      Delete
    5. @JMENDO.. nice to hear your experience... plan ko din sana noon na mag attend ng hearing kahit mag-isa (kasi wla naman ako pangbayad sa abogado) kaya lang yung schedule ng hearing tapos na bago pa makarating sakin ang letter kaya hindi ko na nagawa na mag-attend. The 2nd hearing ganun na naman parang sinasadya e.. sa ngayon naghihintay na lang ako ng decision sa sum of money case.

      Delete
    6. Wow ang galing naman..sana ako di na makaranas ng court hring heheh. Pero if ever man may mag pursue na Mag file ng case eh gagawin ko ung gnawa mo. Sana lng ganyan din kabait mapunta sa akin hahahha.

      Delete
    7. Jmendo ask ko lng po. How much po ung defaulted amount nyo? Para magkarun kayo ng hearing sa MtC.?

      Delete
    8. @Jialhen, hi from what i understand defaulted amt. should be 200k and above for MtC...

      Delete
  44. maisama na ba sa small claims court ang card default?

    ReplyDelete
    Replies
    1. civil claims which are exclusively for the payment or reimbursement of a sum of money not exceeding P200,000.00.

      Delete
  45. Hi banker, Ms. Cherrylou and co-defaulters. Pls explain lang po the difference of litigation and collection agency. This Ultado Law Office keeps on reminding me that they are Litigation agency and can file a case against me for my unpaid EWB na almost 4yrs ng nananahimik. Salamat po ng marami. Conscious Mind

    ReplyDelete
    Replies
    1. litigation - filing of case.
      kung litigation agency, no need to call you. file deretso. lol!

      Delete
    2. @ Conscious Mind, hi po banker is right
      and fyi, if defaulted bank was dead serious to file a case matagal na pong nangyari yun
      and pls. ignore the pesteng-collectors

      Delete
  46. @jmendo your shared experience is probably one of the most helpful!!! :) eto yung matagal ko ng inaantay ng mabasa dito.. the actual hearing.. anyway congratulations to you! and Mabuhay po tayong mga defaulters! wag lang pang hihinaan ng loob...

    ReplyDelete
  47. hi po banker,

    Im eunice, defaulter po ako ng 2 metrobank last september at november 2016 po yung isa po 89k now 298k na dahil sa interest tas yung isa po 12k now 65k na. tas ang RGS Recovery po nag oofer sakin ng 1 time payment eh di ko naman po kaya, tas sinasabi po nila na kakasuhan po nila ako. ito po yung mga tanong ko:
    1. kung kasuhan po nila ako ng sum of money or civil case yung pera po namin sa landbank na nakapangalan sa husband ko makukuha po ba nila yun?
    2. at yung sasakyan at bahay po namen na nakapangalan din sa husband ko makukuha din po ba nila?
    sabi po kase ng RGS automatic daw po na pag kinasahuan ako kasama na yung asawa ko kaya lahat ng property at savings sa bank na nakapangalan kay husband eh makukuha.
    please advise po medyo makulit po kase sila. Thank you..

    ReplyDelete
    Replies
    1. Eunice, hi pls. ignore the pesteng collectors
      no postings yet bout mcc filing for a sum of money case and if this will make you feel better; i also defaulted mcc in 2013 and defaulted amt. is much bigger than yours...and no case filed
      crooks/comedians were trained to harass/bully defaulters and they're a bunch of liars (kahit law-office pa...)
      for now pls. focus on basic needs and move on
      happy weekend

      Delete
    2. Hi Eunice.. Mam cherry and banker share ko lng po. Ako defaulted din sa MCC since 2015 mga isang taon din silang nangulit pero ngaun tahimik. Ang pestr n lng ung EWB. Hehhe

      Delete
  48. Hi po banker and mam cherrylou. Share ko lang po sa nu ito. Defaulter na po ako ng EWB sabi ng mga ofcmate ko mukha daw bakla ung nakikipag usap sa kanila at hinahanap ako. Sobra daw kulit at mataray. Tapos po etong araw lang nag msg xia sakin n need ko n daw isettle ung payment kc kung hindi ei iendorse na daw nila sa law office. Mahihirapan p daw ako sa pag attend attend ng hearing.

    Ang sinagot ko naman sa kanya ei wala ako pambayad. 3k n lang sahod ko monthly. 90% ng sahod ko nawala samin sabi ko palagi ko n lang kau sinasagot ng ganun. Hindi nyo p din ba ma gets or slow lang ang peg nyo. Hehe...tapos po sabi ko din na LAW Enforcer kami kaya alam ko pde mangyari bilang isang defaulter (adlib ko lang po para malaman nya na di ako pasisindak)

    Sabi nya po nung una settle ko maski 1300. Sabi ko naman po sa kanya ano gusto nyo mangholdap ako ng bank?? Mangutang ako dito?? Tapos ano nxt month haharrass nyo nanaman ako n magbayad.

    Sumagot cla cge daw kahit 200.00 n lang ipapasok na daw nya sa restructuring ung account ko. Ayaw daw nya kc na UMABOT PA NG LEGAL. (Engot xia nahuhuli xia sa sarili nyang ka ek ekan) ang pakilala nya sakin ei tiga EWB xia. Sabi ko hindi ka tiga EWB. alam ko na collector ka ng isang law office.and gusto daw nya ako ILIGAL VISIT๐Ÿ˜‚๐Ÿ˜‚ natawa po ako sa spelling ng txt nya. Sinagot ko xia na cge lang sabihan nya lang ako kung kelan para masbihan ko Intel Officer namin para documented lahat ng pag uusapan namin. Hindi p po xia sumasagot hanggang ngaun.

    Thank u kadiskarte team, banker and mam cherrylou. Gusto ko po pumunta sa EB kaso bday ni mother po un. Pero try ko po. Gusto ko po kc talaga ma meet etong group na ito. Kung wala itong site na ito malamng dedo na ako ngaun. Hehe...(jok lang po)

    ReplyDelete
    Replies
    1. @Daph, wow nice to hear that you are learning how to deal with the crooks and with that nadi-discover mo din ang level ng intelligence nila and how desperate the comedians na maharbat yung money natin (from 1300 naging 200 na lang...whoa!!!)
      -well we may be defaulters but definitely we're not stupid para mapa-ikutan ng mga kotong-collectors
      -i had my latest bout with Cases last week...the bitch was talking on-top of her voice, was telling me that their manager accompanied by the barangay-tagay of a certain subdivision ( actually yung binigay ni bitch na barangay ay di naman nakaka-sakop sa amin... hay naku mag-mamaganda lang si bitch MALI pa... gusto ko nga sana itama but masasayang ang precious time ko with the boba-ita... is on the way to my office...ayun wala naman dumating na manager at barangay-tagay... haist
      usually the eb last for 3 hours (from 2-5 pm) and bec. eb is sooo much fun... parang bitin pa din pag-uwian na...
      hope to see you daph

      Delete
  49. Ma'am Cherrylou, Gud pm, ano Po ang reason in case Magfile Ang EWB at metrobank Ng sum of money? Ksi Hindi po Sila notorious. Parang may konti pa Nagfile Ng case
    Metrobank credit limit 113k almost 6 months defaulter.
    EWB credit limit 99k more than 1 year defaulter.

    ReplyDelete
    Replies
    1. @Donald Cruz... hi from what i know...
      no postings yet bout ewb and mcc filing for a sum of money case-kahit medyo huge ang defaulted amount
      so kalma lang po

      Delete
    2. Thank u mam cherrylou na relieve po sa Lahat Ng question ko skin.May question po ako. May ATM card po ako sa BPI pero Wala po CC sa BPI. Ang maintaining balance po ay 200 pesos. Dun po dadaan Ang padala ng sister ko for schooling monthly pero withdraw ko Po agad. Makukuha po ba Ng mga defaulted CC Ng ibang bank. In case po may sum of money ? Thank u po and God bless

      Delete
    3. @ Donald Cruz, yes possible ma-garnish ang bank account when there is a decided case for sum of money
      -that is pag-nagbigay ng pang-gasolina si defaulted bank kay sheriff and dun sisipagin si sheriff to look around for your bank deposits
      -these are the most notorious banks filing for a case
      1. bpi
      2. bankard
      and defaulted amt. but be huge, otherwise si comedian lang ang tatawag sa defaulter
      3. lending companies/ 5/6 banks
      other than that... chill lang Donald

      Delete
    4. Ok mam cherry Lou thank u po sa Lahat God bless po. MCC and EWB Ang delfauted, RCBC ko Po 40k lng Po un almost more than 1 year na po ang defaulted. So Malabo file ng case sum of money.

      Delete
  50. Hello, @cherrylou @banker

    nag padala ng letter si atty. roBERTO ULTADO, sa barangay chairman namin. regarding sa unsettled credit card.. ano po ang gagawin ko. salamat po mam cherry ano po email nin yo. ty

    ReplyDelete
    Replies
    1. Roger More,
      Demand letters- make it scratch paper, don't read it to avoid stress :-) Wala pakialam si barangay chairman sa unpaid creadit card mo. Isang komedyante lang nag-dala ng sulat kay kapitan/a

      Delete
    2. Roger More... hi barangay has nothing to do with your unpaid cc, no need to go to the barangay
      and will give you my email add soonest, had my computer re-format and funny i myself is now finding it hard to access my email... omg !!!
      @Dhastan L.... fvor could you pls. tell me my email add on yahoo...salamat...getting younger i suppose

      Delete
  51. Hello!

    I really need advice on my undecured salary loan. I hope you guys can help me.
    I left a previous company last March 2016 and I still have a loan, the HR said my backpay and last pay will go to my loan. The bank emailed last July 2016 and they said I still have 26k to pay, I wasnt able to pay it because I thought my backpay and last pay and backpay will cover it all and also I don't earn that much in my new company. Last Thursday I received a letter from Divina Law saying this is their Final Demand and that my loan has amounted to 60K plus. It says I should settle it within 5 days. What should I do? I don't have that money and I'm currently unemployed. Should I communicate to the bank or to Divina Law? I really want to pay it little by little. What would happen if I wasnt able to pay in 5 days? Also, would the bank be able to grant me to just pay the original balance?

    ReplyDelete
    Replies
    1. @Carolyn, sorry for late reply
      hi malamang your back pay was not able to cover your outstanding personal loan and bec. of the reality na when an account defaulted expected na bloated na yung unpaid amount and no need to do anything, waste of time to call the defaulted nor the kotong-collectors (the more you get in touch with the crooks...the more they will harass you
      or if you want try and go personally to the recovery dept of defaulted bank and just request to pay the actual amt. you owe them... pag pumayag well and good... pag ayaw just forget the idea

      Delete
    2. Thanks so much for the advice Ms.Cherry. Same process lang din po ba ang unsecured salary loan and credit cards? I was worried po kasi it was a salary loan. Also is Divina Law a legit law office or same as CA? The letter po kasi that was sent to me was signed by a lawyer from Divina Law. And lastly do you think po there is a chance na pumayag si bank na bayaran ko na lang yung 27k pero not one time payment? Sorry I had so many questions.

      Delete
    3. @Carolyn, hi yes same treatment lang po for unpaid cc and perrsonal/cash loans
      - yes legit law firms have also ventured into the world of a collection agency (our corporate lawyer is one of them...) and maganda pong ang "kitahan"... being lawfirms alam po nila lahat ng legalities but the same lawfirms ang guma-gawa din po lahat ng "kalokohan" para mag-bayad si defaulter
      -give it a try to negotiate with the defaulted bank, but sabi ni banker... halos lahat sila ay me angking katamaran; will just defaulter to the crooks...now pag ayaw nila...eh di wag
      -promise no big deal Carolyn

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

      Delete
    5. corrections:
      personal/cash loans
      will just endorse defaulters...

      Delete
  52. hi po banker and ms cherry lou!

    may nareceive po kasi ako na email from one of the collector and ngsasabi na kelangan ko na mgbayad for one payment for final demand den may nagsend po sa akin ng message din sa fb na nangharass na kelangan ko na mgbayad sa utang ko. di po kasi ako makabayad now kasi due to my health condition and I'm taking meds po dahil dito. anu po pwede ma advice ninyo sa akin?

    ReplyDelete
    Replies
    1. seekingadvice,
      e-mail messages-simply press delete para iwas stress :-)
      FB messages-Block the person and make it your account private.

      Delete
  53. hi po banker and Ms. Cherry Lou!

    Isa po akong default card holder ng EWB na may utang po na almost 100k den ilang years ko na po yun di nababayaran na ang utang ko lang talaga is 20k sa credit limit ko dati na umabot na ng 100k. mdami na po ako natanggap na email from any people na kelangan ko na mgbyad and recently po may natanggap ako na email na need ko na mgbayad kasi last or final demand of collection na po nila yun for my utang. den my ngmessage po sa akin na isang bakla sa FB na di ko kilala na sabi na need ko din mgbayad na. nalilito na po ako kasi as for now di talaga ako makabayad kasi I'm fighting for my health condition kasi isa po akong HIV + and I'm taking meds po.
    Ask ko lang din po if ever may naipon ako na money sa ibang bank? Matrace ba nila yun or makukuha ba pangbayad sa utang ko?

    Thanks sa advice po. :)

    ReplyDelete
    Replies
    1. seekingadvice,
      No, except sa EWB-Off-setting-you have authorized the bank to set-off any monie present or future, to pay any unpaid account w/them at its option...

      Delete
    2. @seekingadvice, hi sorry for late reply
      kalma lang po, no postings yet about ewb filing for a case
      and your savings account with other bank is safe
      -yup when an account defaulted, magiging bloated na po yung amt. due to nakaka-lurkey na surcharges/penalties
      for now pls. priorities your meds and me awa ang Dios you'll be ok

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

    ReplyDelete
  55. hi banker good day,ask ko lang po sana if may dept. ako na 3 creditcards ask ko lang makakaloan po ba ako sa pagibig at SSS salamat po

    ReplyDelete
    Replies
    1. @ Norman Maliwat, hi can i answer your concern
      OF COURSE YES , you are borrowing money against your monthly contributions

      Delete
  56. Good evening po banker n ms.cherry lou me nag text po sakin na ganito
    Republic of the Philippines
    REGIONAL TRIAL COURT
    Branch____
    Makati City

    CIVIL CASE NO.
    For: Collection of Sum of Money with prayer for the issuance of writ of preliminary attachment

    Philippine Savings Bank
    Plaintiffs,
    -versus-
    Pimentel, Sharon A.
    Defendant

    x------------x

    COMPLAINT

    COMES NOW Plaintiff, by counsel, unto this Honorable Court, most respecfully states:

    1. That plaintiff is a finance and lending corporation duly organized and existing under the Laws of the Philippines, having its principal office at PSBank Center, 777 Paseo de Roxas Avenue corner Sedeno Street, Makati City, Philippines 1226;

    2. That defendant is Ms. Pimentel, Sharon A, of legal age, Filipino citizen and residing at #963, Masinop Street, District 1, Barangay #32, Zone 2, Tondo, Manila, where she may be served with summons and other Court processes;

    Note: R.A.8484
    Sec.9 Access device regulations actsconstituting access device fraud w/ regard to unpaid credit card bills. (Sec9 j) states that obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter; is considered as access device fraud.

    Sec. 14 Presumtion and prima facie evidence of intent to defraud. A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.
    Sabi din po ma she sheriff house namin, Pano po yun eh di naman po sakin na ka pangalan tong house? Please advise stress na po ako

    ReplyDelete
  57. @ Sharon Pimentel...wow huh, nag-effort si kotong-collector to txt u yung wordings ng filed-case
    pls. delete the sms, promise when a case is filed, di po sya itini-txt, plaintill will just get the summons pag civil case and subpoena pag criminal case
    RA 8484 is for the use of fake credit cards or when someone stole am atm card and ginamit that is also ra 8484
    kotong-collectors are:
    a. bunch of liars
    b. were trained to harass defaulters para ma-stress/mag-panic para magbayad agad
    also applicable to "pay any amount" para mag-move ang amount and to show the pesteng-collector este the bank your intention to pay
    c. mag cos-play as an attorney-no-case, pulis-patola and para mas sosyal member daw ng cidg (parang sa tele-serye lang na probinsyano ni coco martin
    etc...etc. dami pa sila kalokohan

    ReplyDelete
  58. Hi po banker and Ms. Cherrylou. Just today, a letter from Unionbank arrived at my former employer's office. And envelop po is from Unionbank. Defaulted ako sa kanila since 2013. Principal na utang ko when I left was less than 30k po. Di ko pinabuksan. Sa Unionbank po ba talaga iyan or sa third party collector?

    Baka kasi sa Unionbank yan which means di third party collector ang nagdedemand ng collection.

    Nagworry po ako kasi baka masali sa small claims and isa pa I am not in Philippines po.

    ReplyDelete
    Replies
    1. no big deal.
      if you cannot receive a summons,
      it will not start.

      Delete
    2. @Vina, hi pls. don't worry, if UBP was serious to file a case kahit pa sa small claims court... it should have happened looooong ago
      -and sabi po ni banker...di pinag-tatagal ang filing of case
      kalma lang, and pls. continue to move on

      Delete
    3. Hi po Banker and Miss cherylou ...ako po ngmessage din na last thursday my pumunta sa ofc na police tapos my dalang papel sya lang mag isa. My warrant of arrest daw ako kaso d ako nagpakita yong kapatid ko sa ofc lang nagkausap sa kanya kong anong problema tapos sabi nya personal na problema daw magbabayad lang daw ako ng 2000 tsaka 500 sa abugado for liberty bond. E wala naman akong nareceive na subpoena ang natnggap kolang d daw ako sumipot sa hearing sa MTC my warrant of arrest daw ako..something crim.case no... Tapos sinabihan lang ng kapatid ko ang policr espino na nagpakilala na kausapin lang ako. Ksi ako talaga gustong makausap ayaw nya sabihin sa kapatid ko. Tapos knuha nya number ng kapatid ko pag kagabe kinukulit kapatid ko kong ano na ba..makipagkita naba ako aagahan daw pra d na umabot sa nbi. ... Tapos nong sabado nakatanggap ako ng email sa Ultado law office ng magbayad daw ako 65k one time payment ksi 750k daw utang ko sa eastwest creditcard. E 160k default card ko... Pls help na isstressed na ako ksi tinanong k sa abugado namin kong anong gawin ko d rin alam nya yong kaso ko..pacheck k raw sa MTC branch 66 yong case no.ko pra malaman kong totoo mag pyensa kmu ng liberty bond na 2000.

      Delete
    4. SCAM.
      pahuli mo yung "pulis"
      ang Liberty Bond ay bond sa World War II po for damages of property. lol!

      Delete
    5. @ Tiffany Vargas, hi so it's the infamous Ultado Law office...so alam na, sila po pala yung mahilig mag-cosplay/impersonate na mga kotong-collectors
      yes, banker is right... ignore nyo lang po mga comedians

      Delete
    6. Nakakahata ako sa mga names ng mga yan... ulTADO Law Office.. nagra-rhyme sya sa name ng mga nage-email sakin from Citibank... si Christine dipuTADO at si Dexter anoTADO. Lol!!! Pati sa choice of names nila meron nang hint na hindi sila mapagkakatiwalaan, puro sila katarantaduhan! =D

      Delete
    7. @ NTS, hi yes sobtang tama ng observation mo
      when newly defaulted, pls. expect the crooks na maging persistent, wagas mang-harass etc
      mindset po nila, madali pang takutin ang defaulter
      lalo na pag galing sa law-office ang final-never-ending demand letter... iba na po ang connotation ng law-office ngayon
      have defaulted on my cc early part of 2013, at first almost everyday ang paramdam ng pesteng collectors, meron pang sobrang pain in the ass na halos ubusin yung fax paper ng office kaka-padala ng letter to call their office... but as time passed by nabawasan na rin contacts ng mga kotong-collectors

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

    ReplyDelete
    Replies
    1. @Donald Cruz, thank you and sa totoo lang am just paying forward sa lahat ng naitulong ni banker/Sir Rene
      (salamat po banker and see you in November...)
      yes kotong-collectors won't bother to conduct the "ocular/legal visit" na lagi nilang panakot... mahal kaya pamasahe
      cheapest way to harass defaulter is to send sms/emails and final-never-ending demand letters via snail mail
      yes, will definitely pray for you to pass the german-language training...
      God bless Donald

      Delete
  60. Banker, ms cherry Lou pareho kami ng kaso. Sa akin ang Dami CCS na Hindi na nabayaran, marami ding personal loan sa ibat ibang bank s ngayon alam na nation ang technique. Basra move on lang sabi in banker at ms cherry Lou.

    ReplyDelete
    Replies
    1. @Joe Guisado, yes we just need to move on
      for the longest time that we have been paying the bank for sure yumaman din sila (lalo na when we opt to pay the min. due...)
      sabi nga ni banker, forget the debt but not the lesson
      and banker per se is not condoning non-payment of utang ang gusto lang nya is to bring back dignity sa defaulter, mag-bayad ng utang if authorized si ca, fair ang amount and of course walang harassment na magaganap... yun lang po

      Delete
  61. Hi, good day! Kagaya po ng karamihan i also have a debt with PNB. Nung una collection office nagpapadala ng sulat and now abogado na. Saying na mag file ng case sa makati trial court. And may nagpupunta na daw sa bahay na naka formal and looking for me. Nasa UAE ako ang naghahanap palang ng work. Ayaw ko naman mastress family ko sa pinas. What should i do to make them stop sa pgpunta punta sa bahay? Should i compromise? Should i tell them my situation and have a deal with them? Thanks for your replies.

    ReplyDelete
  62. JC,
    tell your family to simply dare the bluff of these kotong kolektor - kasuhan ninyo para mag-usap kayo sa korte!

    ReplyDelete
  63. Hi banker and miss cherrylou, hihingi lang po sana ng advice, kc po may personal loan po ung asawa ko sa BPI, tpos po may nareceived na po kmi na letter from Dabu associates na need dw po namin i settle ung 600k within 5 days, eh sa ngyun wala po kmi income na mag asawa kc pareho kmi na hindi na nakaalis ulit.. ang source of income lang po namin eh ung maliit na sari sari store namin.. please ano po ang gagawin namin if ever na tawagan po kmi or pumunta dito sa bahay, at isa pa po nakalagay sa letter na isasama daw po pati ako sa demanda, pero wala naman po ako pinirmahan sa banko about dun sa loan na yun.. at isa pa po kukunin daw nila ung bahay na tinitirhan namin kapag hi di na i settle ung 600k, eh hindi naman po sa amin tong bahay at ang pagkakaalam ko po eh wala ito g titulo.. salamat po sana mo ma advice nyu ako.

    ReplyDelete
    Replies
    1. next time, don't open those letters anymore para iwas stress. lol!

      sa court po is "pay when able"
      kunin ang bahay ninyo? hinde naman pala sa inyo yan at walang titulo? dedma. common sense.

      Delete
    2. @ Kcworried, banker is right
      if ever a bank files for a sum of money case, automatic lang po na addressed to hubby and wifey ang summons/notice
      mag-attend ng hearing or hindi, same decision to pay back defaulted bank
      again pag walang pambayad eh di wala
      for now pls. focus on basic needs and everything will be ok

      Delete
  64. Thank you banker and ms cherrylou, kc po ini insist nung CA na isasama daw po ako sa demanda, at isa pa po nkaka stress po ang mga calls nila at not for me na ma stress kc medyu maselan ung pagbubuntis ko.. gagawan n daw po nila kmi ng legal action at may additional pa dw po na 40k pra sa mga fees..

    ReplyDelete
    Replies
    1. simply dare their BLUFF ( look for its meaning lol!)
      say the magic words.

      Delete
    2. @ Kcworried, kalma lang po kayo
      bawal po ang stress sa pagbu-buntis
      and promise "no big deal when a sum of money case is filed"
      -just an end of the pesteng-collectors
      i had a sum of money case and no one can ever force me to pay lalo na't no extra budget to pay
      -besides i was requesting for repayments before and ayaw nila...so what can i do
      and kase hoda na mag-dagdag sila ng 1M for the lawyer's fee...

      Delete
  65. Thank u ulitbanker and ms cherrylou.. laking tulong nyu po sa amin

    ReplyDelete
  66. @Kcworried, most welcome po
    i for one had a sum of money case in 2014 and am good
    i just followed banker's adv...
    na when a bank filed for a sum of money case, it simply means the end of the pesteng-collectors, na mag-attend or hindi ng hearing, and kahit pa i-hire ang best lawyer in town, same decision bayaran ang bank... but walang pambayad... so wala
    (just don't keep bank accounts)

    ReplyDelete
  67. Banker and Ma'am Cherry Lou, ang bilis po magpalit Ng CA Ang mga 3 CC ko 1month lng po Lipat agad po lalo na pagsinabi na Walang assurance sa ngyn ang bayad. Nkakatawa Sila mabait na Sila pagmawawala Sila.

    ReplyDelete
    Replies
    1. @donald cruz ... yes ganyan po sakin. 5 ccs utang ko so imagine kung ilang CA ang tumatawag sakin...

      Delete
    2. Donald Cruz, yes from what i have observed kotong-collectors handle defaulted accounts for one to 2 months or maximum of 6 months dun sa mga banks ng konte lang ang collectors, and yes pag-malapit ng ang account na mawala sa kanila...para na silang maamong-tupa
      -ganyang po ang galawan ng mga comedians... so pls. learn the tamang diskarte para maging-stress free ang buhay

      Delete
  68. Hello po sa lahat ms cherrylou, mr banker, mr dhastan, mr marc p. and to all co defaulters. So far tahimik po buhay ko ngayon. May mga tumatawag sinasagot ko po pero yon nga walang pambayad. Nakakamove on na din ako dahil sa blog na ito. Hehe.. nakakatawa ang buhay ng mga CA. Ang prime alliance hawak din nila ang mcc nasa list sila ng letter na pinadala sakin. Aasarin ko na lang po kung mumurahin din nila ako. Im excited to meet all of you guys on nov. See you. Salamat po sa intong lahat.

    ReplyDelete
    Replies
    1. hello mam @nancy pareho po tayo.. tahimik ang life ko. 5 cc ang pinag kaka utangan ko na nasa P2M na pag pinag sama sama. Lakas na lang ng loob at tuloi ang buhay! Ingat po sa lahat at tandaan na ang mga CA ay kampon ni satanas!

      Delete
    2. @Nancy...good luck sa parmi
      and eto po ang style nila para ma-handle mo sila ng maayos
      1. most of the time rude ang collector nila, laging nasa higher do ang boses nila
      2. pag-ayaw mag-comply sa offer nila, they will call you like every 5 minutes...talagang pasaway
      3. while talking to you, the crook will ask his/her staff na tawagan ang office mo and mag-papa-connect sa immediate boss/hr for the stupid reasoning na ginamit mo ang company when you applied for the cc... or if you are smart and sinabi mo sa kanila na alam mo ang purpose nila for calling the management (mamahiya...) and palusot nila "eh ipa-pag-paalam ka lang nila para maka-usap ka ng maayos... ganern
      promise, ka-sisterhood nila si lucifera...so pls. do best na hindi ka nila maisahan... it's really asar-talo with the crooks
      yes see you pretty soon

      Delete
  69. Ask lang po, defaulter po wife ko since 2014 EWB, ang c.limit nya ay 600k+ pero mga nasa 400k-500k yung standing balance na ngaun ay umabot na ng 2M+. pinatawag ako sa brgy. ng staff ni Atty. Roberto Ultado, then nakipag usap ako at maayos naman sila kausap na napagkasunduan namin na thru phone and e-mail na lang kami mag-usap kaso kinabukasan tumawag na yung certain Angelo at pinipilit ako maglabas ng 50k hanggang friday para sa initial ng 350k na settlement para ma-close na Case sa EWB. Kundi raw i-file na nila ng case kasi malaki yung amount. Ano po maipapayo nyo. Thanks in advance Banker and Ms. Cherrylou.

    ReplyDelete
    Replies
    1. hello worried husband. PLS DO NOT PAY THEM ANYTHING! kung may P50k ka now pakitago at gmitin sa pamilya. There is no sense of paying them dahil mga manloloko yan. check the other post here.. may mga nag bayad na umaboy sa P100k tapos hindi man lang naibawas sa principal dahil marami pang ka ekekan na hinihingi ang CA .. pls. ignore them. Pag nag file ng case mas mabuti pa at least fair ang legal

      Delete
    2. @WorriedHusband, hi pls. ignore the kotong-collector's demand of making a partial payment of 50k
      and just tell them to file a case kahit saan nila gusto
      -crooks can't file a case, call po ng bank yun...now kung ginusto ni ewb na mag-file ng case matagal na pong nangyari yun ... 2017 na po ngayon
      kung kayo po, will you wait for sooooo long bago mag-file ng case and get your money back (in the most legal way possible)
      and no big deal about the sum of money case, it simply means the end of the pesteng-collectors
      -and lumang scam na po ang filing of case

      Delete
    3. @marc p. and ms. Cherrylou, thanks a lot. Malaki naitulong ng advice nyo to confirm what am i going to do. Godbless.. Marami kayong natutulungan!

      Delete
  70. Hi po.paano po kaya pwede namin gawin kasi from alexis molaer dumadating na letter sa 2 address saamin po and sa house ng card holder. Sister inlaw ko po ang card holder and wala po siya sa ph. Possible po pa ma deport siya or makuha ang savings niya sa ibang banko dahil sa unpaid cc niya sa mcc? Umabot na po kasi sa 800k dahil sa interest at penalty ang bilis po yata gumapang ng amount. Ano po ba pwede namin sabihin sa ngpapadala ng letter. Ayaw nmin sbhin na wala siya sa ph. Gusto po sna namin ng husband ko tulungan nlang byaran pakonti konti para lang mkbawas, ang kaso parang sayang lang dahil lumalaki parin ang interest. Adv8ce po na pwede namin sabhin sa collector ng alexis molaer. Thank you po

    ReplyDelete
    Replies
    1. hello unknown! pls put username anyway pls ignore the letter po. Kung may case man (mostly likely wala 99.9% sure) matagal umusad ang mga kaso and kung may deposit sa bank ull have amolentime to withdraw at hindi siya ma dedeport. Yung nga may criminal case nga mahirap ma deport yan pa na cicil langn if ever.

      Delete
    2. hi, fyi no postings yet bout mcc filing for a case, khit malaki pa ang defaulted
      -ok lang to tell that sister-in-law is out of town and you are not obliged to tell the crooks of her whereabouts ( it's the kotong-collectors job to track down the defaulter
      -yes not sensible to make partial payments, bloated na po ang amount and wala din pong mapupuntahan ang ibabayad nyo
      and ayaw ni comedian ng matagal na bayaran...gusto po nila madaling kitahan...
      and pls. put username after your post
      salamat po

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  71. Hi po banker, mam cherry and kadiskarte. Daph here po uli. Grabe po talaga mang harras collection agency ng eastwest. Kung ako po may sakit sa puso inatake n po ako. Sobra po cla mang bully. Sabi nila sakin bastos daw ako at utangera. Isusumbong daw nila ako sa opisina namin at bka daw matanggal pa ako. Cnabi ko lang naman sa kanila na wala ako pambayad at magbabayad ako direkta sa bank pag magkapera na sabi ko pa ano gusto nyo magnakaw ako sa kaban ng bayan para ibayad sa nu?? Over mu dead body hindi ko gagamitin un para ibayad sa nu. Wala daw cla paki kung san ko daw nanakawin ung pera na ibabayad ko. At kapal daw mukha ko kc pati daw kaban ng bayan gagamitin ko. Bobo ata kausap ko. Sabi ko din sa court n lang tau usap para legal at pay when able pa. Sabi pa nya ung 1300 daw di ko mabayadan sa court pa daw kaya. Mayabang daw ako at sinungaling. Lahat n ng klase ng salita natxt n nya. Sabi ko naman sa kanya cge lang po txt ka lang sakin kc naka save po lahat ng conversation natin at gagamitin ko po ito para sa nu bullying is a crime unpaid credit card is a civil case. Lalo xia nagalit ng sabihin ko n magbabayad ako sa bank hindi sa law office. Grabe po talaga cla mang harrass..may ipapadala daw cla dito para cngilin ako at ipahiya mamyang 3:00pm Mas mataas pa daw ang position kesa sakin. Kalokah cla. Sobra cla makapang harrass. Ask ko lang banker mam cherry tama naman po na cnabi ko n bullying is a crime tama po?

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