Wednesday, May 10, 2017

Theory Vs. Reality


Will they file a case?
Will they get my things?
Will they do this?
Will they do that? 
  
theory : yes
reality : no


239 comments:

  1. Hi Banker! Isang taon na yata mula nung huli kong post dito..
    naka move on na din ako sa lahat ng mga defaulted card ko at sa mga nang haharass na Kotong Kolektor.. ANg pag attend nalang sa EB ang hindi ko nagagawa huhu pero Salamat sa lahat ng tulong mo Banker.
    May question lang po ako.. last 2014 at 2015 pa po kasi mula nung na default ako.. never na ko nag attempt mag loan o mag apply sa credit card dahil na rin sa mga experience ko.
    pero nito lang biglang may nagpadala sa akin ng credit card na hindi ko naman inaapplyan. tanong ko lang po pano nila nakuha ang information ko ngayong di naman ako nag aapply sa bangko nila ng card. medyo scary po huhu

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    Replies
    1. theory: defaulters cannot get new cards.
      reality: defaulters may be given new cards.

      mahirap ang CC business ngayon. cut-throat competition
      that's why....

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    2. pero legit po ba yun banker? ibig po sabihin nakukuha ng ibang banks ang info mo once defaulted ka? kaya nakapagbigay sila ng bagong cards?

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    3. data are kept with CIC, accessible to member banks.

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  2. hello ka diskarte team! banker and madam cherrylou!

    banker is correct. Banks has all then right to file cases and put lien to our properties , however banks has so many clients/depositors to handle and has no time to file cases and spend more. Our debts are insured and sell them to CAs to lessen their losses. The bank has no use of ur old car or your faulty appliances in your house. In reality the consequence of not paying our debt is our credit standing. So if handa naman tyo sa consequence na to then let the CAs call all they want, visit you everyday and send you all the letters they can send at least maraming scratch paper at hindi kakalawangin yung mailbox niyo sa kakabukas sara. Mga ka diskarte relax and just continue with your everyday routine! Enjoy life :)

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  3. thanks banker for the info...yes i trust in everything you say...in my case nga po after the writ of execution had been approved and issued after 2 looong years...hirit pa rin ni kotong-collector ang discounted amt. for one time payment or can do 12 months pa daw po and have also noticed na di sila ganun ka-persistent...well maybe they themselves can feel na "no joy pa rin sila" or maybe the kotong-collectors feel soooo lazy to get a sheriff to look around for my bank deposits (na syempre po wala and kung meron man, why should i put money under my account...)
    and sabi nga ni marc p. what will the bank do with my crt tv sets (di man lang na-upgrade to smart tvs...lol)
    and i don't feel guilty as i was able to fully pay 4 of my creditcards directly with the bank...no intervention of the pesteng collectors
    maraming salamat banker...

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    Replies
    1. mam @cherrylou congrats naman for paying your 4 ccs! :) pero pano po ako? 5 cc (maybank,EWB,SC,BOC,RCBC) may tatalo pa ba sakin? hehe kay rcbc mejo stress lang dahil feeling ko mag file ng case to eh

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    2. @Marc p. hi ok lang yan
      ako nga di ba me decided case pa for bpi and rcbc and chill lang ang beauty ko (joke sa beauty...)
      kasi si kotong-collector hirit pa rin ng discounted amt. for one time payment
      -parang naman na matitinag ako...para que me case na and magkaka-pera sa sila...haller di po ako bale
      -better try their luck on my next lifetime !!!

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  4. Hello po. Maaapektuhan po ba yung personal loan ko with the same bank kapag nadefault na yung cc na 3 mos ko na di nabayaran? Salamat po.

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  5. hi if it is with citibank, yes personal loan might be affected... as per my experience
    i defaulted with one cc and the other active cc was eventually cancelled.
    with other banks...not sure

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    Replies
    1. Thanks po. Does it mean, macacance din yung personal loan ko?

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    2. hi depende po sa bank, and sorry i forgot which bank was mentioned before
      but no big deal... kasi sila/bank nag-cancel and once cancelled bank will demand full payment
      -guess common sense is not COMMON with banks...imagine struggling ka na nga magbayad with one account, magde-demand pa sila ng full payment sa active na account...yun po dumadami tuloy ang defaulters and nakaka-sad , defaulter offering to make payment na kaya ng budget, but bank says NO...so again defaulter chose not to pay na lang...
      -when in reality defaulted amt. is just declared lost to the bank/bawas sa taxes to be paid... and yet ayaw pa ni bank ng money...so whose lost would it be

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    3. How about po ito. May car loan ako naman sa ibang bank, say Bank A, apart from the defaulted bank (Bank B). Makukuha po ba ni Bank B ung car, or mapapakialaman ba nila somehow yung car loan ko kay Bank A? Salamat na marami po

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    4. hi hindi po... but if you have a defaulted account in the same bank where you have a car/home loan
      malamang sa hindi na the bank will not release the chattel mortgage once paid na ang loan mo
      and kahit me decided case pa ang isang defaulter, the defaulted bank will just go after cash and bank deposits

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    5. Thanks Ms. Cherrylou. You mention po na defaulted bank will just go after cash and deposits. Got another prob with that. Payroll ko is the same with the defaulted bank, at may savings account din ako sa kanila. What will happen to those accounts? Or what should I do? Thanks much.

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    6. hi, from earlier postings i understand na it is mcc who subjects payroll sa auto-debit and off-setting pag me defaulted cc or loan with them
      -now kung defaulted ka with the same bank where you are keeping savings/time deposits etc... better withdraw na po your money
      -better be safe than sorry...

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    7. Kapag yung savings ko po is nasa ibang bangko na, madedetect po ni defaulted bank un at maaaring kunin? Tnx Ms. Cherrylou, i'm learning a lot.

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    8. hi no way for defaulted bank to detect your savings account with another bank

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  6. MaamCherrylou I hope you dont mind ilang pong cc ang defaulted ninyo what bank and how much po...kasi po ako hnidi ko na kinaya yung HSBC ko kasi nagkasakit ang binabayaran ko na lang yung 2 RCBC kasi maliit lang yung amount at kasi supplementary ko yung anak ko dito..Thank you

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  7. Hi banker, resigned na Po ako sa work effective ko August 01, 2017. Defaulter Po ako sa 3 ko cc since January 2016. Hindi po ba Nila ako kasuhan Ng estafa kung magchange ako Ng address. ? Contact number lng po ako Hindi ko i change, need po ko Po Kasi magstudy Ng 6 to 8 para makabroad , makatulong sa parents at makabayad sa mga utang. May chance mag work sa abroad khit credit card defaulter po ako. ? Thank u

    ReplyDelete
    Replies
    1. you are under no obligation to inform the bank ( aka Collector)every move you make. it's not estafa.
      work abroad does not depend on you being a CC defaulter here.
      good luck po.

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    2. Thank you so much banker😇. God bless

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  8. @wey ferrer, sure i managed to deal directly with citibank and union bank for my 4 cards (and paid na po sya n didn't bother to get a certificate of full payment kasi they are charging me psos 100/cert. n am good as i got to received decent soa and zeroed out yung dues ko)...also defaulted mcc and hsbc and no worries about them
    and yes ok lang to pay rcbc as you can use them for emergencies

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  9. Hello fellow defaulters..may decided case na ba dito from eastwest bank so far? base on your research if meron.

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    Replies
    1. hello anonymous. so far wala po. ako defaulter ng EWB 2014 and i have never heard from them anymore..

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    2. just want to share my experience a while ago. ayun natakot ako sa pulis na tumawag sa akin at nagpnta sa previous office ko naibayad ko na last savings ko

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    3. oh sorry to hear about that...promise si kotong collector lang po yung tumawag sa inyo

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    4. Hindi po ba talaga pumupunta ang mga pulis?

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  10. hi no postings yet, collectors lang nila ang sobrang kulit

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  11. Nhihirapan nko mgbayad sa metro bank 118k ang balance ko.... magdedefault nako kc d ko n kya. 3500 ang finance charged...makakasuhan nba ako.. kc 118k na cia

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  12. Hi..ano po ba ang dapat gawin sa mga bastos at nanakot na kotong collector? Tawag kasi ng tawag at sobrang rude nila. Na pati boss ko kinakausap at nagtatanong kung san daw ako puede ireklamo. Buti na lng ang boss ko sabi na di work related un kaya di nya ieentertain..hanggang saan lang po ba ang limitations nila? Ano po ba dapat gawin sa kanila?sobrang nakakastress na kasi at nakakahiya

    Ayanne

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    Replies
    1. @Ayanne, hi if you can get the fullname of the kotong-collector and the agency he is with, maybe you can just email bsp of your complain
      (consumeraffairs@bsp.gov.ph) pls. copy in the kotong-collector pala alam nya kung ano ang ganap and if possible the defaulted bank
      -just sad that the mindset of these crooks is to harass the defaulter to make them pay..but they are doing more harm than good...sino ba in his right mind would pay a bastos na kotong-collector ( ano yun na-harass ka na and binigyan mo pa ng commission ...lol)

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    2. @ayanne unfortunately this is one the things na kailangan natin pag dusahan sa di pag babayad ng cc. Ako naman hindi sa tawag pero pumunta mismo sa amin at nag panggao na pulis at ang sabi eh nahulo daw ako dito sa manila at dinala sa camp crame. eh nasa office lang naman ako that time. so nataranra ang sis ko at naibigay niya sa 2 manloloko lahat ng details ko :( phone and address dito sa manila

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  13. @Gegemon. hi no postings yet bout mcc filing for a case (kotong-collectors lang po ang mahilig mag-maganda bout sum of money cases and di po dapat seryosohin)
    yes for now pls. prioritize the needs of the family

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  14. Hi po ask ko lang po kung mas malaki CC loan ? 250k po kase laman card ko noon eh diko na po nabayaran baka aabot na sa half million utang ko pupush ba nila na habolin ako at kasohan pa help naman po

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    Replies
    1. hi it depends on the bank
      bpi and bankcard po ang notorious in filing sum of money cases

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    3. Hello po.

      I just want to ask since nabanggit dito na bpi is notorious in filing sum of money cases. I have a defaulted cc with them. Tumawag and nag email sa akin ung 'law firm' na pinagrefer daw nila. What is the best solution i can do about it? Will bpi really spend time and money to file a case about my defaulted cc? Thanks po in advance for the reply.

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  15. Hi po. share ko lang po ginawa ko sa kotong colletor n pumunta sa bahay, namin monday at friday ang dalaw, nila sa akin at si mensahero ay pilit akong ipinakakausap sa agent nila. Sa inis ko pinicturan ko yun id ng mensahero at sabay walk out.sa loob loob ko pag bumalik pa to sasabhin ko n pina blater to n sya sa barangay. D n po cya bumalik. Lakasan lang talaga ng loob kung ipapakita, mo na natatakot d ka nila tatantanan talaga. Salamat sa mga nababasa ko, talaga dito stress free talaga..

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    Replies
    1. @busywife...good job
      sa totoo lang...the game of the crooks is asar-talo

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  16. Hello everyone. Ask ko lang po defaulted na po ako for 4 mons now and my cc account has been endorsed to CA. Just yesterday bakit po kaya panay pa din txt ni mcc (3 texts) to follow up my payment tapos nakalagay sa dulo i need to call mcc hotline for payment options (same message i received before) na noong tumawag ako ay need pa din i-settle minimum due and i ask the agent na nkasagot ano ibig sabihin ng payment options.umasa ako na may magandang offer si mcc and sabi wala lang daw un. Huh incompetent customer rep eh di sabi ko wala lang din kaya ako tumawag. Kaya ngayon naisip ko hindi kaya ganun po talaga parang computer generated ang mga text message nila. Tapos kahapon tumawag po si medyo rude ng CA (unlike before nice po sila) sabi kung wala daw ako maibayad magfile na lang daw ng case sabi ko sige. My bdo naman po forwarded na din sa CA pero sobrang dalang magparamdam. Thanks po

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    Replies
    1. @Nancy, hi yes there are times na pati sms yata is system-generated kaya pag tumawag sa customer service...nga-nga si representative
      -yes just dare the bluff of the crooks to file a case...di po yun poss and call sya ni bank
      -pag me case filed...de wala na silang commission
      -kita mo nga me filed case na and hirit pa ni kotong-collector ang discounted amt. for one time payment
      hay naku !!!

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  17. Good evening po. Meron na po ba naka-experience sa inyo kung paano maghandle ng collections ang bernales & associates - particularly metrobank cc defaulter?

    -ankey

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    Replies
    1. @ankey, hi sakto lang...not so rude
      enewi sabi po ni banker to never let the kotong-collectors control our life...
      and pls. remember ikaw po ang nag-hahawak ng finances mo so you definitely have the right where to put your money
      i.e. kung mag-papaloko ba to pay any amount just to show the kotong collector este the defaulted bank your interest to pay bank the utang...

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  18. Hi po, thank you po sa mga post nyo. Me utang po ako sa citibank 700k , nag aask ako ng reconstructure pero ayaw naman nila. Gustong gusto ko na bayaran ng installment. Mga 3-4 mos na akong deliquent. Pag ayaw ba maki negotiate ng bank, wala na ba akong pedeng lapitan? Or antayin ko na lang ung demand letter?

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  19. Hi po, salamat sa mga post nyo. Me utang po ako sa citibank, 700k , 3-4 mos na akong default. Nag ask ako mg payment term pero declined nila, wala daw silang maiioffer. Hindi ko po kayang bayaran ng biglaan at malakihan. Meron ba ako pede hingan ng tulong like bsp or ccap or antay ko na lang yung demand letter nila. Alalang ala na app ako. At ung sum of money po , kasama ang payroll? Thank u po.

    ReplyDelete
    Replies
    1. Prl, hi can only email bsp pag nag-maldita si kotong collector
      nothing to worry bout sum of money case, end lang po ng pesteng collectors
      as per banker, exempted po ang payroll account...and other accounts can be subjected to garnishment procedure...

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  20. @marc p. May i know po how much defaulted amount mo sa eastweast? Ako kc medyo malaki 150 mcc at 260 bdo but now not sure how much na.

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  21. Hi magtanong naman ako sino may experience dito sa R.S. Law Firm..inendorse ako ng Citibank sa kanila..kakatetx lang today na ung account ko nga daw pinorward sa kanila ng Citibank..nawalan kc ako ng trabaho kaya d ko n nabayaran ung minimum payment due amounting to almost 35k..pero ngbayad ako ng 4k last month kc un lang ang kaya ko..kahit ba may payment tayo tapos below minimum due eh talagang pinoforward nila sa CA?..worried ako sa kung anong pwedeng gawin ng CA kc based sa mga nababasa ko eh nangha-harass sila...;-(

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    Replies
    1. hi there are banks na once you missed payment or pay below the min. due, ante mano forwarded na sa kotong-collector and pls. don't be afraid sa kahit kaninong herodes pa ma-forward yung account mo
      -pls. remember na collector lang po sila and will only get paid pag nag-bayad si defaulter
      -now if you are having a hard time paying up...ok to default and focus on basic needs

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  22. Hello po banker, ano Po difference Ng collection agency at law firm? Thank u

    ReplyDelete
    Replies
    1. Theory : Law firms file cases.
      Reality : law firms na walang clients are reduced to act as collectors.
      lol!

      Delete
  23. Hi ma'am Cherylou and banker, defaulted po sa 3 cc(EWB, metrobank, at RCBC). 1 year ago na Po sa RCBC I heard na notorious dw po ang RCBC. Pero 40thou lng Po ako ang credit limit ko sa RCBC. Ung collection agency Hindi na masydado tumatawag at nagttxt. Pero humingi Sila one time payment din. Ang RCBC Magfile pa Po sa case ko o Hindi na? Thank u po

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    Replies
    1. @Donald Cruz, hi if you have defaulted rcbc for almost a year na with the defaulted amt. of 40k... i guess defaulted bank won't bother to file a case, sayang po effort and money
      acceptance fee pa lang sa legal counsel nila more or less 20k na plus filing fee of 1k for small claims court

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    2. Hi, Banker.

      Meron po akong defaulted na cc sa BDO for more than 10 years na, kasi nakuha ko yun nung 2005 or 2006 pa sa dati kong company. Nagulat na lang ako na may biglang tumawag saken just today, from collection agency (law office daw sila) at sinisingil ako. Ang nakakapagtaka lang is pano nila nalaman yung phone number dito sa company namin?!? At after 10 years, sisingilin uli ako? Eh ang tagal na nung account ko. Ano po bang pwede kong gawin?? Thanks po.

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    3. prescription period is 10 years,
      nag-hahanap lang yan ng taong puede maloko.
      lol!
      tell him to sue you.

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  24. Hi Banker and Ms. Cherrylou,

    May question po sana ako, may car loan po ako sa isang bank, wala naman po ako arrears, sa katunayan mababayaran ko na sya ng full payment sa April 2018. Problem ko is defaulted ako sa CC sa same bank na may car loan ako, ang tanong ko po. Di ba ako mahihirapan kumuha ng certficate of full payment of cancellation of mortgage sa car loan ko sa same bank where i have defaulted CC? May posibilidad po ba i hold nila yun? Di po kaya nila ma trace yung CC record ko? BPI po bank. Thank you for the reply.

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    Replies
    1. @Jepa, hi yes once fully paid na si car loan, bpi will have the option not to release the chattel mortgage

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  25. Hi Banker,

    Meron akong defaulted na cc sa BDO nung 2005 or 2006 pa, na siyempre hindi ko na nasettle. So after more than 10 years, may biglang tumawag just today dito sa company namin na collection agency (sabi law office daw) at naniningil ulet! Dahil ifinorward daw sa kanila ng bangko yung account ko kaya sila naniningil. Nagtataka lang ako kung paano nila nalaman yung phone number dito sa company na pinapasukan ko?? At pagkatapos ng isang dekada, maniningil ulet sila?!?? I was able to talk to the person from this collecting agency at sinabi ko na hindi pwede yung personal call dito sa landline namin sa office at ako na lang ang tatawag sa kanila. Ano po bang pwede kong gawin? Tska bakit ganun? Sobrang tagal na nung account ko eh. May sinabi pa na meron daw silang preliminary investigation kaya nalaman nila yung phone number dito sa office.

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  26. Hi, Banker.

    Meron po akong defaulted na cc sa BDO for more than 10 years na, kasi nakuha ko yun nung 2005 or 2006 pa sa dati kong company. Nagulat na lang ako na may biglang tumawag saken just today, from collection agency (law office daw sila) at sinisingil ako. Ang nakakapagtaka lang is pano nila nalaman yung phone number dito sa company namin?!? At after 10 years, sisingilin uli ako? Eh ang tagal na nung account ko. Ano po bang pwede kong gawin?? Thanks po.

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    Replies
    1. hi can i just share a thought, collectors are quite good in tracking down defaulters
      -fyi, creditors are just given 10 years to collect, malamang nakita lang from dead file yung account mo and di na nag-effort mag-check si account officer and he just forwarded your account to their kotong-collectors
      -nothing to do but to ignore the crooks, or if you have spare time "tell kotong-collector expired na po yung collecting period ni bank..."

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  27. Hi po! Need your advise. I wasnt able to pay my ewb na for months and last march was able to talk to one of the collector. Agreed to forward my acct to amnesty program. Kso di pala. This month may mga txt msgs na from oablo law firm and police etc. Charging 25k acceptance fee... right now i really cannot pay in full kya ok n sana amnesty program nla. I cant take their harrasments na. I fear n pti s workplace ko e umabot. What should i do? Thanks!

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    Replies
    1. hi just ignore the sms, that's the way po mang-harass ang kotong-collectors
      -normally po "field visit" means kotong-collector will send over messenger to deliver the final-never-ending demand letter and whilst you are signing said letter (can sign anywhere you wish) messenger will call ca to confirm receipt and will get you to speak with the crook, pag nice to get you to comply with their offer, pag rude to harass you more
      BUT WHY WILL YOU ALLOW THE COLLECTOR IN YOUR TERRITORY NA I-BULLY KA ???
      -pag ginawa po nila yun, just kick their ass and show them the door
      -in my case i never allow the crooks inside our office, not allowed po personal visits during office hours...hanggang corridor lang po sila (and of course i explain that to them briefly )

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    2. Thanks ms cherrylou! If ever they are dead serious to file a case, need ko rin ba itake yun seriously to get a lawyer din etc. Im 7 mos pregnant p naman and paying them is not my priority now. Nakaka stress lang po kasi yung mga text and calls.pati s viber sending me 40 messages in 1 minute ng paulit ulit. Can i just ignore them until magsawa sila or until kailan po ba sila ganyan though im willing to pay pg ok n ko ulit financially. Thanks in advance!

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    3. hi if the bank is serious in filing for a case it will surely happen within the first year of defaulting
      -as per my personal experience
      and banker is soooo right, di po pinag-tatagal ang filing of case ng kahit sinong creditor tao man or business entity
      defaulted amt of 200k and below will go to small claims court, no need for lawyer and one-day hearing
      higher amt. will go to the metropolitan court
      and whether you get the best lawyer in town, judgement will be to pay back bank
      -sabi nga ni banker pag walang pambayad like cash and bank deposits...eh di wala
      makulit si ca sa mga newly defaulter...madali pa kasing ma-harass para mag-bayad for their commission
      and pls. don't buy their offer into paying any amt. to show kotong-collector este bank na defaulter is willing to pay...lol
      just pay bank in your own sweet-time... pls. wag kang ma-stress not good for your pregnancy.... and just let the kotong-collectors ang ma-stress

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  28. Once your car loan is fully paid, before release, an inter-department and inter-subsidiary clearance is being routed.
    thus, your mortgage may not be released.

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    1. Ibig po ba sabihin banker walang chance ma release yung mortgage kahit fully pay na? May posibilidad po ba nila kunin yung car? Wala po ba iba paraan para ma release mortgage kundi i full pay balance ko CC? Thank you po sa reply.

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    2. Please read your BPI Card Agreement
      12.RIGHT OF SET OFF

      Your lawyer can question this imposed condition
      or
      simply retain the mortgage in your CR

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    3. This is what it said, "Right to Set of Effective upon his/her failure toEffective upon his/her failure to pay his/her obligation arising from the use of the CARD, the Cardholder and/or his/her supplementary do hereby assign and transfer to BPI, without need of demand, and by these presents have assigned and transferred to BPI, any monies, securities, properties (real or personal) and things of value which are now or may hereafter be in the possession, custody or control of BPI or any member of the BPI Group of Companies (BGC) or any of their subsidiaries or affiliates, on deposit or collateral or otherwise to the credit of and belonging to the Cardholder and/or his/her supplementary.n arising from the use of the CARD, the Cardholder and/or his/her supplementary do hereby assign and transfer to BPI, without need of demand, and by these presents have assigned and transferred to BPI, any monies, securities, properties (real or personal) and things of value which are now or may hereafter be in the possession, custody or control of BPI or any member of the BPI Group of Companies (BGC) or any of their subsidiaries or affiliates, on deposit or collateral or otherwise to the credit of and belonging to the Cardholder and/or his/her supplementary." - Does this mean they can automatically take over or possess my car once it is fully paid and considered it as partial or full payment of my cc balance with them? We went through financial problem then because of the medical condition of my father. It has been 4 years since i last paid, do you think they would allow me to pay my cc balance in terms? I am not capable of paying it on a one time basis, will they include penalties? As per my inquiry as of yesterday my balance is now P1m + (gosh!). Is there any alternative settlement i can do so that they will not get my car? Pls enlightened and help me, need advice desperately. Thank you very much banker!

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    4. @Jepa, hi pls. don't worry bank will not get your car, defaulted bank will simply not release the chattel mortgage
      -meaning you will not be able to transfer ownership or sell car in the future

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    5. As I pointed out, your lawyer can have it declared as "unconstitutional" that cited conditions (cross-default clause) by virtue of it being a Contract of Adhesion.
      while they cannot get your car, you in turn cannot get your Cert. of Registration.
      just leave it as it is. as the saying goes -sa kanila ang titulo,sa iyo ang sasakyan.

      just shop around for a good lawyer if you wish though.

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    6. Thank you very much Banker and Ms. Cherrylou, you are a big, big help, i cannot afford a lawyer right now but I am willing to settle my credit card balance with them so I can get my Cert of Regtrn, do you think it is advisable and practical to pay it off on a term basis? Can they waive the 4 years penalties and to pay the prin +int only? (sori po dami questions.. hehe, last na po) Thank you very much for your advices Banker and Ms Cherrylou, very much appreciate it.

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    7. @Jepa, hi yes pls. request the bank for the least amount na poss mo mabayaran to close the account, am not sure if you can do terms with them... pls. try na lang po
      -would like to share my experience with you with bpi, i defaulted bpi about 3-4 years ago and i fully paid a car loan with bpi family bank about 15 years ago, but we forgot to get the release of chattel mortgage, so about 2 years ago we finally requested for the release of mortgage and luckily we got naman the release of mortgage ( well maybe bec matagal ng bayad si carloan)
      in your case, kung struggle ang pag-babayad ng cc just leave it and gamitin na lang to the max ang car
      (no big deal naman ang original certificate of registration...and di naman mawawala ang car...so win-win situation pa rin )
      and you're most welcome

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    8. Well that puts me in a positive perspective Ms. Cherrylou, Do you think it will help if i apply my car for a refinancing? Meaning other Financing Institution (FI) will full pay my car with the bank, then they will do the legwork of acquiring my orig CR with the bank, will it change the outcome or the FI will have same problems too?(kulit po. sori hehe :)). Thanks for sharing!!

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    9. Jepa, hi sorry no idea about refinancing ...but i guess it will be the same bec. the second company will still request bpi to request the release of mortgage under your name
      -now if you have read the post of problemado who had a decided case in 2008/9 in the amt. of 200k and it balooned to 700k, i understand he was able to reduce the amt. to 300k but then having no extra money on hand he sought the help of the court who issued the decision and he was lucky enough to be told by one of the sheriffs not to pay kung walang pera and to focus on the educ. of his kids (this is just another story, but maybe when you need to settle with the bank, you can request for the least amt. to pay)

      Delete
    10. Yes Ms. Cherrylou i have read that, I think i will just do what Problemado did, reserve some extra money for my kids, instead of paying off the balance, the bank might not agree for me to pay my balance on a term basis. I will hold unto You and Banker's assurance that they can't get my car upon its full payment (I hope..). One last thing, final na po talaga :) This is just for me to have a peace of mind and to be certain... May I ask why can't the bank get my car as payment for my CC balance with them? Is it illegal? Again, thank you for accomodating my concerns. Hoping for your last reply.... God bless!

      Delete
    11. I will hold unto You and Banker's assurance that they can't get my car upon its full payment

      Hinde po kami Dios ni M'am Cherrylou to offer you a guarantee. only God can do it. lol!

      Delete
    12. @Jepa, i have been exchanging personal emails with a defaulter who also had a sum of money case and it is unfortunate that she also had a paid home-loan with bpi (same bank na default ) and from the last conversation i had with her apparently the bank is giving her a hard time to come up with a reasonable amt. to pay (to release chattel mortgage) so for me, i can safely say na kung ginusto ni bpi de kinuha na po yung property nya...
      and kung ginusto ni bpi to file a case against you, di matagal na pong nangyari yun ( bec. as what you have told us nasa 1m na yung defaulted amt. )
      -so if i were you i won't crack my head finding ways mabayaran ang cc para marelease ang chattel mortgage...gagamitin ko lang ng bonggang-bongga ang car

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    13. You are correct Ms. Cherrylou, i will just put my extra money where it is needed the most e.q. kids tuition fees etc. I will still continue to pay my car loan with the bank though until it is fully settled. I've read in the internet that there might be a way but i have to read the contract first of the loan if it is allowed. THank you very very much Ms. Cherrylou, you are a big help for us "paranoid" cc defaulters. You and Mr. Banker have enlightened us to continue enjoying life despite of these problems. God bless you!!

      Delete
    14. @Jepa, most welcome and yes pls. focus on your basic needs and promise everything will be ok
      -i had 2 sum of money cases and am good
      i just put complete trust on banker (thanks banker!!!)
      yeah may God bless us more and to keep us away from pesteng collectors...whoa

      Delete
  29. Hello po. Is it true na kapag may defaulted card ka in any bank, hindi ka makakapunta abroad, be it for work or just travel for leisure?

    ReplyDelete
    Replies
    1. NOPE po, just one of the lies from the kotong-collectors
      and kahit po me sum of money case pa, one can still get visas whenever he wishes to go

      Delete
  30. Good pm. Once ba na maendorse na ni bank ang defaulted account sa CA, does that mean hindi na magpafile ng case ang bank? Salamat po.

    ReplyDelete
    Replies
    1. hi, it depend po ( bpi and bankard po ang notorious in filing for sum of money cases and i heard mga 5/6 banks/lending companies )
      -no big deal in this case

      Delete
  31. Hi Banker,

    May personal loan po akong maiiwan sa Dubai under Standard Chartered Bank, please enlighten me may chance po ba na mahabol nila ako sa Pinas..wala na po akong work dito and planning na umuwe na lng sa atin..

    ReplyDelete
    Replies
    1. hi pls. let me share you some thought
      "what happened in dubai will just remain in dubai" though some kotong-collectors will try to call you and collect (filing of case is not possible in pinas ...but just the same ignore lang po and prioritize the basic needs of the family

      Delete
    2. Miss Cherrylou may chance po kaya na makuha nila yung mga naipundar namin? Biglaan po kasi ang pagalis samin sa work..

      Delete
  32. Thanks a lot po ms cherrylou. Kanina lang tumawag sa opis namin buti na lang new employee nakasagot nag verify daw kung doon pa ako nagwork so sabi ko next time na tumawag pakisabi it's not work related and personal calls not allowed. Ask ko din kung galit sabi hindi naman daw. So bukas kapag tumawag po sa cellphone ko sasabihin ko that im in the same company and kahit tumawag pa sila many times still my salary is not enough to pay them syempre may mga anak ako. And honestly kulang pa sahod ko at ng hubby ko para sa 2 kids namin. Now if they really want to file case go ahead. Hehhe.. Tama po ba? Ano pa kaya pwede ko po idagdag na sabihin ms cherrylou? Ive notice parang medyo naging persistent sila sa paniningil same CA pa din po. Dati medyo dumalang tawag. Bakit po kaya hindi naman ako nagbigay ng any chance or reason na maka commission sila. Lagi ko po sinasabi no money. Pero siguro baka ganun sila kasi nasa 1st year in default pa lang po ako. And if ever they will harrass me sasabihin ko na i will email bangko sentral para maripremand sila and bank. Pasensya na po medyo na stress ako na tumawag sila sa opis.

    ReplyDelete
  33. helow po mga ka diskarte may tanong lang po ako tanggap na po ako sa isang banking institution pang 3 ko na po na company to but Due to financial crisis may na default po akong cc pero may na full payment nako w/ hsbc and under restructure progRam yung metro and citi ko Pero yung pnb hirap nako mabayaran kaht minimum makaka apekto po ba yun sa pag transfer ko sa other company and mabibigyan bko ng payroll acct kung sakali??? Any comments po

    ReplyDelete
    Replies
    1. hi i guess since hired ka na sa bank, having defaulted cc won't affect of finally getting the job ( or was it stipulated otherwise)
      ang alam ko, medyo mahirap daw yata ma-promote pag me defaulted cc/loans
      -enewi just cross the bridge when you're over it
      good luck sa new job !!!

      Delete
    2. Ahh ok po salamat ang totoo po nyan pre employment requirements palang napirmahan ko and yung mga background check form etc.. Medyo kinkabahan kasi ako dahil dun sa mga bsp na forms salamat po sa advice...

      Delete
    3. @stef samson...ok
      pls. don't worry too much
      with God's help, everything will be ok

      Delete
  34. @Nancy, hi i guess persistent lang si ca kasi as you have said newby ka pa and mindset nila is madali ka pang mapapa-ikutan about telling lots of lies ( kasama na po dun ang impersonation as a pulis-patola and attorney-no-case )
    -no need to tell them anything, just make all the convo as brief as possible...not enough money period
    and promise ca will refrain from calling and will just try other accounts ( pls. don't be stressed sa mga kotong-collectors and let them the ca ang ma-stress sa iyo for not being a good candidate )

    ReplyDelete
  35. Thanks a lot po ms cherrylou. Kanina nga po tumawag and asking me to pay kahit daw minimum due para daw ma restructure account ko. So sinabi ko po wala talaga ako pera. Ang kulit po dami tanong bakit daw d ako nakabayad ano daw naging dahilan sabi ko po since madami na ako nakausap before nasabi ko na din ang reason at saka sabi nyo recorded naman mga conversation so hindi ko na kailangan sabihin ulit. employed daw ba ako sabi ko po ive no obligation to tell my life story lalo na sa taong dko naman kilala. Aba nagalit bigla kung ayaw ko daw magbayad magfile na lang daw sila ng case sabi ko eh d sige yan na sinabi sakin nung nakausap ko last week ituloy nyo antayin ko na lang. Nagtaas lalo po ng boses tapos sinabi ko na lang yon na lang masasabi ko il hang up the phone. Tapos pinakinggan ko pa ano sasabihin tutulungan daw niya ako para d matuloy case. Hayz.. nag end call na po ako. Nakakaloka. Hehehe.. dapat bukas may nakahanda ako ulit na script. Thanks a lot po banker and ms cherrylou nawawala stress ko dito sa blog nyo

    ReplyDelete
    Replies
    1. @Nancy, our pleasure
      yeah, scripted din tanong ng mga kotong-collectors, so di po dpat seryosohin
      for now let's focus on our basic needs na halos napabayaan natin sa kahahabol sa due dates ng mga cc natin (and what's sad, nag-bayad na tayo ng maayos and di naman halos matag-tag yung full amount due...juicecolored talaga !!!

      Delete
  36. Hi banker and cherrylou in case po na approved po ang working visa sa abroad at Hindi ko na Po magamit ang contact number ko at Wala na Po ako permanent address sa phils. Magfile Po ba Sila Ng case na estafa without informing the bank, collection agency and law firm? Matrace po Nila ang address ko sa Europe ?

    ReplyDelete
    Replies
    1. @Donald Cruz, hi fraud or estafa is when one amassed HUGE credit card bills and biglang nawala sa last contact details (but this is hard to prove)
      -no case for not informing defaulted bank/s about your whereabouts...let the crooks do their job in locating you
      now someday pag ok na ang finances and you wish na mag-bayad pa, just go personally to the recovery department of the defaulted bank.
      good luck Donald...

      Delete
  37. Good day fellas! Feeling lucky to have found your site! Anyway, just today, I received a letter from AAMolaer Law Offices regarding my unpaid credit card purchases with chinabank. It stated na it's a formal demand daw to settle the whole amount within 5 days from receipt or this letter, otherwise, they will be constrained to file the applicable civil case or criminal case, under special laws against me and avail of all legal remedies to protect the interest of their client. After ipareceive sken ung letter, may tinawagan ung messenger and pinakausap sken. They offered payment schemes like one time payment in a discounted price, and monthly installment. I already told them na jobless aq now and financially struggling especially may baby pa.. So i cant find a job din ksi walang maiiwan sa bata. Are they what you call the collecting agency? What can i do and what is the best way to deal with them. Kahit anong piga nila wala akong maibabayad.. Haysst.. Thank you and i hope to receive a reply from anyone soon :)

    ReplyDelete
    Replies
    1. hi yes AAMolaer is the 3rd party collector and just ignore the "final-never ending demand letter" ( each collector have their final-never-ending demand letters ) pls. don't buy their bluff bout filing sum of money cases (lumang-scam na po yan)
      for now pls. focus on your baby and just like what banker been telling us to never let the kotong-collectors control our life and pls. hang around to better deal with the crooks

      Delete
    2. Same experience po.sabi i have 2days para sumagot and they will be filling my bdo unpaid card

      Delete
  38. good pm to my fello defaulters, banker and ms cherrylou. i have a defaulted card with MCC and joint saving accnt with bpi. i just got married and my joint accnt is still under my unmarried name. if i change it to my savings accnt to my married name, will MCC be able to trace it for sum of money?

    ReplyDelete
    Replies
    1. hi pls. don't worry no postings yet bout mcc filing for sum of money case
      and just like other banks, pag newly defaulted pls. expect kotong collectors to be persistent in their collection effort, but just the same...just ignore them and focus on basic needs
      -after a year or two, mababawasan po paramdam ni ca
      and just hang around para maging aware sa diskarte ni ca

      Delete
  39. Thank you Ms. Cherrylou! Bothered lang ako kasi baka corporate lawyer na sila ng chinabank. So, does this mean na chinabank has already sold to them the uncollected balances from me? Kaya sila na humahabol saken? that's how I understand their process for defaulted accounts, tama po ba? I am willing to settle naman as soon as magkaroon ulit ng source of funds, hndi lang talaga ngaun :) and medyo worried on up to what extent yung peedeng gawin ng collectors.

    ReplyDelete
    Replies
    1. hi unpaid accounts are not being sold to 3rd party collectors...it is just being endorsed for collection and these days lawfirms have also ventured into the world of the ca (maganda po ang kitahan...konteng harassment lang sa defaulter, commission na para sa kanila)
      -unpaid accounts for 6 months are being written off and considered lost to the company (and mababawas po ito sa taxes na babayaran ng company/banks)
      said account will be transferred to the recovery department of the said bank...here the bank is still hoping against hope na maka-collect kahit na po lesser than the defaulted amt.
      -now pag desperate si ca, poss po sila mag-impersonate like a pulis patola or attorney no case or like other desperadong collectors they can seek the intervention of the barangay captain...as if me paki-alam sila
      -now pls. don't be afraid of the ca, they are just mere collectors and will just get commission from your payment
      -like you don't owe them anything
      yes someday pag ok na po ang finances just go personally to the recovery dept. of defaulted bank and negotiate for your payment
      for now kalma lang po
      -i defaulted in my accounts 4 years ago and i understand your situation...like i have been in your shoes and ok na po ako

      Delete
    2. Mam cherrylou, ang Madrid Law firm sa makati ay collection agency din? Thank u

      Delete
    3. @Donald Cruz, hi yes just one of the collectors
      and normally these collectors handle accounts 1-2 months, and if defaulter is showing na di sya good candidate for commission, ca will just refrain from making contacts with the defaulter... so rule of thumb is NEVER MAKE PAASA WITH THE CROOKS

      Delete
  40. Hello Banker at Mam Cherrylou. Nakareceive po ako ng ganitong text, ano po ba ang dapat gawin? Totoo po ba ito?

    METROPOLITAN TRIAL COURT:
    MS. ___________,
    Expect our Official Commo to Issue your COURT ORDER (Bench Warrant) Exactly 4pm THURSDAY (May 18, 2017) together with SHERIFF,NBI & CIDG to Issue Writ of Preliminary Attachment to Garnish your Real & Personal Property at your given address Residential/Commercial
    Pls. be inform for your voluntary surrender to avoid commotion at your area.
    - ALBERTO AZARCON/ INCUMBENT BR.63
    MTC Makati

    ReplyDelete
    Replies
    1. hello po! kung aarestuhin ka hindi ka sasabihan in advance. dapat surprise yan para mahuli ang suspect. mag reply ka sabihin mo "salamat po sa abiso magtatago nko 3pm" hehehe

      Delete
    2. hi pls. delete po ora mismo
      when a case is filed ...HINDI po sya itini-text
      promise si kotong-collector lang yan

      Delete
    3. @marc p. ha ha ha
      good job
      indeed one of the kabobohan ng mga kotong-collectors
      wala na bang bago

      Delete
  41. Oh... I see.. Thank you so much! Big help and stress relieving! Will keep you posted and sana you're always there to help.. Thumbs up!

    ReplyDelete
    Replies
    1. most welcome and yes pls. keep us posted
      and whenever you feel harassed just refer to the blogsite of banker and promise you will be ok !!!

      Delete
    2. Good morning! Tumawag ulit si Mr. Melchor of AAMolaer. Asking kung okay daw ba saken ang inooffer nilang payment scheme and when will i settle daw. When I told him na hindi pa kaya ng finances namin sa ngaun, medyo nag-iba tono ng pananalita. Now i ask him what will happen next ngaung hndi ko pa masettle ngaun, sabi nya they will file a civil case daw sa small claims court. I asked him what will happen after mafile ang case, may mag ooccular daw and pwede kunin properties, real or personal. Sabi ko wala naman kami real properties, so they will go nalang daw after personal properties. (As in kukunin talaga nila tv, ref, cp?) I told him cge po kunin nyo nalang kung ano pwede nyo kunin dito sa bahay. Then sabi nya naman, ung occular daw is to see kung may kakayanan kami magbayad. I was like, ano po ba talaga purpose ng occular? When i told him na kahit anong pilit niya saken ngayon, wala talaga akong maibabayad pa. And he said, hindi ko po kayo pinipilit, tinutulungan pa nga daw nila kami na masettle. I said salamat sa tulong pero hndi ko pa masesettle sa ngayon. Sabi ko pag ok na finances namin ill go personally sa bank to settle. Sabi nya naman, khit pumunta ako sa bank ituturo ako ng bank sa kanila kasi naendorse na daw ung account ko sa legal. Pag di daw kasi ako magsettle ngaun, lalo pang lalaki ung babayaran ko because of interests and penalties. I know naman yun. Then nung bandang huli na sinasabi nya na tawagan ko daw si bank para daw si bank ang magbigay ng go signal sa kanila to hold my accountat hndi mafile an ng case. I ask him panu pag di pumayag si bank? Then they will file a case n daw, hintayin ko nalang daw..
      Im victoria anyway..

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    3. Good morning ms. Cherrylou! Im back! I received a call from the CA again asking kung ok daw ba saken ung payment scheme na offer nila. Sabi ko hndi pa talaga kaya ng finances namin sa ngayon. He told me lalo lang lalaki ung balance pag di ko agad masettle ngaun because of interest and penalties, which is i know naman. So sabi ko kahit anong piga nya saken hndi ko pa talaga masesettle ung account, even with the scheme na inooffer nya. Kaya tinanong what will happen next, sabi nya magffile daw sila ng civil case sa small claims court. Then i asked what will happen if a case is filed. They will conduct an investigation and occular daw sa amim kung may mga properties na pwedeng kunin. Sabi ko wala naman kming properties, nangungupahan nga lang kami. They can go after our personal properties daw. So sabi ko, if that was your next step sir, sige po. Kasi wala pa po talaga kaming pang settle nyan sa ngayon. I told them i am figuring things out kung papano ulit magkakaroon ng income and when that time comes, ill go personally to the bank to settle. Sabi nya even if i go to the bank, ituturo din daw aq ni bank sa kanila kasi endorsed na kanila ung account ko. After a very long talk, he came up with the suggestion na i call the bank daw and told them na hindi pa ako makakabayad para daw mag advice sa kanila si chinabank na ihold muna for filing ng case ang account ko. He was some kind of inconsistent kasi sabi nya earlier pag pumunta ako sa banl, ituturo lang aq ni bank sa kanila, tapos magsusuggest xa na tawagan ko ung bank. Anyway, i have not been paying for 5months now. My last payment was last december, minimum due lang nabayaran ko. My outstanding balance now is 45k, that is with china bank. Will they really file a case in small claims court with that amount? Please reply :) thank you!

      Delete
  42. Hi Ms. Cherry and banker. My name is Via, I have been a defaulter for a few mos now. Mcc,and hsbc. Citibank kc nkkausap ko pa kht pano. My question po is with mcc i received a never ending demand letter twice already from bernales and associates and sa second time tinarayan k na messenger kasi ang daming tanong, i told him i dont ned to explain anything to him. So d rin nman sya namilit. Today i received a txt from another CA enzi corp still representing mcc with another demand telling me/notifying me that they will be conducting a personal visit either at office or at home for financial verification status etc etc... Di ko nlang po pinansin. Nagpalit kc ng CA. Tapos with hsbc nman po d ko nlang sinasagot mga tawag nila sa cellphone ko. Will there be an issue or other problem since di nila ako macontact? Will they exert efforts to contact including family members just to reach me? I really cant pay them as of now as we are really bombarded with a lot of problems financially that they arebthe least of my priorities. Thank u so much in advance

    ReplyDelete
    Replies
    1. Hi Via, same tayo mcc at hsbc, mga 4 months na ako nag default, enzi corp. nag handle ng mcc ko panay padala lang nmn ng email at text, sa hsbc di ko alam kung anong CA, basta lahat ng tumawag na wala sa contact list ko di ko sinasagot.. para stress free.. close lang lahat ng bank account para sure.. thanks kila banker at ms. cherry

      Delete
    2. hi nothing to worry with the collectors, each collector have their own final-never-ending demand letters and no worries bout the ocular/personal visits (what you have just experienced is the example of the ocular visit and walang kaso if you are avoiding the collectors for now...it is your basic right not to be harassed and bullied (now if the kotong-collectors are being a pain, just tell them that harassment is not allowed and poss ka mag-complain bout violation of rep. act 10870...dito me kulong si kotong-collector)
      yes for now pls. focus on more important things
      p.s. exerting extra effort to get hold of your family, kung makalusot man; will you allow them the crooks na-i-bully ka ???

      Delete
    3. Hi Kccainglet, same pala tayo. Tama ka i dnt answer their calls para d nko masyado mastress. Sino tmatawag sau for hsbc?

      Delete
    4. Thank you so much for your help Ms. Cherry, basta for now po i dont answer calls muna from these CA,kasi they keep on changing phone nos.eh. wala nman po kaso un na dko masagot mga tawag nila dba? KHT BANKS PA PO TMATAWAG, OK LANG BA NA DKO MASAGOT? At since nkatira po ako sa condo, d basta2 mkkapsok mga CA to talk to me, kelangan muna itawag ng guards sa akin bago sila papasukin.

      Delete
  43. Hi po, ask ko lang sana kung meron dito may experience with chinatrust bank loans...

    scaredoutofmywits

    ReplyDelete
    Replies
    1. @scaredoutofmywits...does that concern the checks na binigay ni bank for you to deposit your payment; di po sya pdcs, but just payment stubs
      same treatment with defaulted creditcards...just ignore the kotong-collectors pag nagma-maganda sila
      -when newly defaulted persistent si ca, but as time passes by nababawasan na rin paramdam ng mga comedians
      -kalma lang po

      Delete
    2. Hi Ms Cherrylou..thanks for responding. Actually matagal na to way back 2009. did all the best before to negotiate and naloko ng mga collector who promised to help you ma restructured basta bayad muna nung hinihinging amount after mo pay - wow dedma na at ibang collector naman tatawag the following month..so i gave up...after a few years biglang nabuhay and recently nga ito,shocking na yung amount like its almost 1M na wow more than 10times the principal...at may naka attached na DRAFT ng case (Civil Case Sum of Money) consult naman ako ng lawyer medyo naexplain naman worst case scenario. But I guess for someone like me na may incident na ng anxeity attacks and on meds na medyo mahirap sya dedmahin. Anyway worst case is matuloy ito, meron ba dito naka experience na tuloy ang case in court? May tanong sana ako how it goes and to what extent yung garnish pati ba payroll?

      scaredoutofmywits - medyo nakahinga na ng konti. salamat sa forum na to.

      Delete
    3. Also ask din po ako if may experience here with yung Atty. Ultado na ca. I mean how brutal can they be baka umabot sa company ko ngayon medyo nakakahiya. at least mapaghandaan ko na.

      Delete
    4. collectors will do anything that are not true to swindle you into paying. DRAFT ng case? what for except to scare you. lol!
      p.s.
      collectors are swindlers.
      its up to you kung maniwala ka sa kanila.

      Delete
    5. @scaredoutofwits...omg 2009 pa, ignore na lang po
      if chinatrust was serious to bring you to court, it should have happened within the first year of defaulting, 2017 na po and si kotong-collector na lang po ang mag-mamaganda in filing the case...me draft pa talaga huh
      -wala po yan and your ca used to handle my account and sakto lang po and just like the other collectors deadma lang
      -now kung umabot si kotong-collector and create a scene in the office/home...just get your security and kick their ass
      -i had a sum of money case and did not attend the hearings...what for, for sure the bank will win...but sorry na lang as i have no cash nor bank deposits (and they cannot put me in the firing squad)
      so last hirit of the collector (after the writ of execution been approved) DISCOUNTED AMT. PA RIN FOR ONE TIME PAYMENT...and am not buying their offer

      Delete
    6. Hi Banker and Cherrylou...thanks! I guess medyo nakalimutan ko na pano tong mga ganito last 2012 pa ata huling paramdam nila at yung mga CC ko. And with some family and personal probs medyo nagdevelop ako ng anxiety attack last month tapos this month bigla tong nabuhay as in just last night bigla lang akong nag panick attack probably because of over thinking katakot din yung feeling na para kang mag cardiac arrest.. I guess yung mga hiya at scandal na dala ng mga kolektor di na talaga natin maiiwasan...at resourceful na sila pati social media..meron akong friend nakatanggap ng message asking help for my where abouts daw kasi important matter daw....ignore nalang talaga and if case comes to worst na magfile sila ng kaso eh saka ko na iisipin. na alarma lang ako kasi company phone number ko ang nakuha nila at tumawag na gamit ibat ibang number. but may block feature ang phone kaya block nlang at binigyan ko sila ng prepaid number ko na nka silent at di ko sinasagot...but pag nakausap nila ako ulit sabihin ko nalang na kahit magsayaw pa ako ng nakahubad wala akong maibabayad sa inyo...salamat din sa inyo for responding ha nakabasa na rin ako ng ganitong forum nuon kaya dinedma ko lahat ng kolektor nuon...ill keep visiting this forum for updates at questions...thank you talaga sa inyo.

      Delete
  44. A gigantic moonlike of recommendation, keep moving on.
    processing

    ReplyDelete
  45. Hello po! Bernales CA from MCC, anyone po na naharass or may experience from them? Cla po yung bagong CA ko. Pero hndi ko cla nameet. Sulat lng dumadating sken.

    Ms.Choknut

    ReplyDelete
  46. Hello po,
    I defaulted 1 EWB cc, My last payment was 2015 and now their trying to harass me they sent a letter that was addressed from our Barangay and they informed me that I should call the given number to settle my debts. I called and they said that they are filing a case and the warrant of arrest are ready to serve, I am just worried are these true?

    ReplyDelete
    Replies
    1. seryoso me warrant of arrest agad...why did you hurt/kill a kotong-collector???
      ignore lang po
      lumang scam ni comedian

      Delete
    2. Thanks Ms. Cherrylou! Ask ko lang po ano gawin ko if magpapadala nanaman sila nang mga notice thru our barangay po? or any harassment or pananakot na gagawin nila. meron po ba ako pwede sabihin sa kanila to make them stop?. kasi po yung parents ko po kasi lagi nakaka.recieve nang notice tapus para pati sila na.trauma na.Salamat po sa blog na ito, dahil dito nawala yung trauma ko sa mga Ginahawa nang mga CA Na yan. Thanks po ulit. 😞Anyway po,Salamat po sa blog na ito, dahil dito nawala yung trauma ko sa mga Ginagawa nang mga CA Na yan. Thanks po ulit.

      Delete
  47. Hi I defaulted 1 cc in eastwest bank. Last payment was 2015 and now I am worried kasi parang sa barangay na namin nila pinapadala yung demand letters pinapatawagan po NLA sakin yung given number na Taga CIDG camp bagong diwa taguig when i called it was SP04 daw yung kausap ko may ready to serve na daw na warrant of arrest for me na e.forward nila dito sa camp. catitipan in Davao city. matanong ko lang olif these are true?

    ReplyDelete
    Replies
    1. 1. kahit sa Malacañan pa yan ipadala, no big deal. tapon lang kaagad. lol!
      2. CIDG? pangilad lang na. common sense : warrants are surprises not pre-informed.lol!
      3. remember: collectors are, sa Bisaya pa, mangingilad.

      Delete
  48. Hi! Im back!

    Actually share ko lang po. May tumawag na naman sa akin from bank collectors. One week n nya ako kinukulit. Kanina sinabihan ko n sya di ko sya hinayaan mag sasalita pa sa phone. Ayoko naman makinig sa mga sasabihin nya dahil almost same lng naman. Kaya sabi ko pasensya ka wala naman akong pambayad. Gipit ako. Sorry wala kang makukuhang commission sa akin. Tama naman po sinabi ko di ba? Ayun nagalit? Nakakapang init daw ako ng ulo. Taga banko k p naman. Ayun binabaan ko n rin ng phone. Hahaha

    ReplyDelete
    Replies
    1. @Jaeden, hi good job
      what you did is right, nag-init ang ulo ni kotong-collector kasi wala syang commission sa account mo
      working in a bank...why feeling ba ni ca na ikaw ang owner ng bank ???
      yes pls. focus on basic needs

      Delete
  49. Hi,

    Gusto ko lang po sana humingi ng advise. I have a unpaid cc with bpi. 1 year po since last payment ko and hindi ko na po sya nagagamit. Someone messaged me on facebook telling me about my balance, but inignored them. Lawfirm daw sila. Today, they called me to inform about my balance na 74k dahil sa interest. I told them na what payment options they can offer and told me na pwede ako magbayad ng 15k and the rest is installment na. Nagulat ako pano nila nalaman yung work ko and my personal number.

    I asked my friend if may pwede paba sila gawin sakin if di ako magsettle. Since i have other priorities, mabigat po for me ang maglabas ng 15k ng isang bagsakan.

    If i ignored them, ano po ba pwede nila gawin. And also, i dont want them to call the company im working with. Personal issue ko naman to.

    Thanks po in advance.

    ReplyDelete
    Replies
    1. hi bec. some crooks can be soooo desperate, they can try sending you messages on fb
      no worries if you ignore them...being not a good candidate for commission, crooks will just refrain from calling you
      yes, for now pls. focus on basic needs

      Delete
    2. Thank you Ms. cherrylou. I even advised the receptionist na if someone called tell them to contact me in my personal #. I even gave them my personal email (inactive) para dun sila magemail. As of now, hindi na ulit tumatawag.

      Delete
  50. "this is from EastWest Bank and we want to inform you that we will conduct a preliminary investigation for the attachment of your property at (address) together with your
    Brgy. Captain on Monday at 3pm for Abandoning your
    obligation with the bank.To avoid any untoward incident please call
    0935-338-3495 to settle your account look for Atty. Ferdinand Chua
    or leave your Phone Number ASAP."

    eto email sa akin.. di ko alam ano iisipin ko dito eh.. ano po ba ung sinasabi nyang "attachment of your property"?


    thanks po..

    emmerson

    ReplyDelete
    Replies
    1. @Emmerson, hi pls. delete the sms
      di po yan totoo and just hang around para po maging-aware kayo in how to handle the crooks

      Delete
  51. Good evening banker. May possibility po ba na magpunta ang ca sa barangay? They e-mailed me saying na magcoconduct sila ng prelim investigation with the help of barangay captain.

    ReplyDelete
    Replies
    1. Hi you know what this is true, nangyari na to sa akin. Tumawag yung brngy official sa amin na may naghahanap sa akin na Taga CIDG kuno meron daw dapat ako e.settle dapat tumawag ako run sa binigay na number, when I called yung naka.usap ko daw SP04 from camp taguig. I don't know if it's true or Baka tinatakot lang ako para magbayad.

      Delete
    2. @Jonalaine Bernal, hi pls. don't worry
      promise si kotong-collectors lang po yung naka-usap mo
      and i just don't know what it is with these barangay officials...madali po silang maloko ng mga scammers

      Delete
  52. Scaredoutofwits. Naku po yan din sinabi sakin kahapon nung nakausap ko na CA ng mcc ko. Need ko daw to settle minimum due of 5k+ tapos i-restructure daw po account and can do 5 years repayment. Wow si mcc nga waley maioffer. Another scam of CA tapos if i pay mawawala na sila. So i told them i cant settle kahit 500 pambili ko na ng bigas at ulam yon para sa mga anak ko. Ayon po bigla nagpaalam and just today i did not received calls from my bdo and mcc na kailan lang nagmamaganda ang kausap ko.Thank u so much po sa blog na ito ms cherrylou and banker

    ReplyDelete
  53. Hi banker/ cherry lou dejesus ... i have several defaulted credit cards.. last payment made was early 2014 .. one of this card is bpi .. im willing to pay bpi but amount already ballooned to half a million.. do you think they will still file a case? Its been more than 3 years already .. collectors come and go

    ReplyDelete
    Replies
    1. @Anna de los Santos, hi with my bpi (defaulted amt. is 300k) and i got the case just within a year of being in-default and only one comedian handled my account
      -with you being in default in 2014...malamang di serious si bank to file a case and i think your defaulted amt/originally is not that huge...nag-baloon lang sya bec. of the penalty/surcharges
      yeah...comedians/crooks come and go so di po dapat seryosohin

      Delete
  54. By the way.. re metro bank credit card .. defaulted last quarter of 2014 .. until now they keep on sending keep electronic soa which is i cant even open (password protected) . Never endorsed to a collection agency . Im afraid the balance ballooned into millions . Bakit kaya monthly pa rin ang padala ng SOA and bakit walang collection agency? Thank you

    ReplyDelete
    Replies
    1. @anna de los santos i also defaulted mcc. System generated po soa natin that's why. Ako nga pati text nagpapadala pa din si mcc mismo aside sa makulit na CA. But you should be thankful kc wala nangungulit na CA sau.

      Delete
    2. Nga pla bday ko ung password sa mga soa ni mcc following this format mmddyyyy so try entering your bday or you should have a copy of it sent to your email.

      Delete
  55. Kung Sunday wla po tumatawag na collection agency. Office hours lng po sila ? Saturday bihira tumawag.

    ReplyDelete
  56. Hi i have the same issue. I defaulted my bpi last year pa yata but i got an soa last april regarding balance. Tpos lately i've been getting emails and letters from collectors telling me to settle with them. I am planning to pay my balance na (24k) sa bank by next month. Would that be possible? I don't want to settle kasi with the collecting being that i have no contract or agreement with them to begin with. My only obligation is with bpi. So i plan to pay bpi. Pwede kaya yun?

    ReplyDelete
    Replies
    1. @Klaire d.j.
      hi you continue to receive the soa bec. it is system-generated
      yes pls. try to go personally to the recovery dept. of bpi (credit card department) i think location is paseo de roxas makati
      and just tell them na as much as poss you want to deal with the bank directly and not to be scammed by the crooks
      good luck

      Delete
  57. Hi banker and ma'am cherry Lou, may narerecive Po ako SOA sa txt tpos Po collection agency paiba Iba Ng company ? Kung Hindi ako magOk Iba naman ang name Ng collection agency the following week or months Iba naman. Possible po ba un ? Thank u

    ReplyDelete
  58. hi po hhingi lang po ako ng some advice kasi may credit card po ako na hindi nabayaran 2yrs ago until now may mga nagpapadala ng mga letters at mga txt messges na kesyo mag bench warrant na daw ako ppunta dito sa amin.ntatakot ako dahil sa mga tntxt nila.ndi ko nman mabayaran kasi wala na kong trabaho.at may mga bastos na agent sobra kung magmura.

    ReplyDelete
  59. hi given na po sa mga kotong-collectors ang pagiging bastos
    pls. don't mind the crooks, hindi po itini-text when a case is filed...ano yun bench warrant na ise-serve sa iyo...de ang saya makaka-pag tago ka ng bongga
    crooks aka as the ca will come and go, so di po dapat seryosohin and pls. wag magpadala " to pay any amount to show kotong-collector este the bank na willing pa mag-bayad ang defaulter"
    and sabi nga po ni banker "never allow the kotong-collectors control the life of the defaulters...

    ReplyDelete
  60. helo po, ask lng po ako advice, i've been a gud payer po for almost 5 yrs with my bpi cc, but unfortunately umalis npo ako s work last june, tmwag po ako s bank n gusto kna isetle at iclose ang acct k ang sbi po need k muna mg deliquent acct, pero nito lng po feb natransfer npo pla s saulog and de leon law firm ung acct k, by the way nsa less than 30k lng po naiwan m sknla but now ang pnababayaran po nla ay 249k, sbi kpo wiling nman ako mg settle pero hndi s ganyan klaking halaga, so sbi po wait k nlng ung summon from court, slmat po and God bless

    ReplyDelete
    Replies
    1. pcncya npo anonymous nailagay, ako dn po ung hopefull 02, slmat po

      Delete
    2. @hopefull 02, hi you defaulted last year with the amount of more or less 30k and barely after a year naging 249k na sya...paano po nangyari yun, nakaka-lurkey yata yun
      now kung serious mag-file ng case si bpi medyo matagal na pong nangyari yun and with a defaulted amt. of mga 30k, i think bpi will not bother to file a case, sayang po filing fee
      and apparently ca emailed you a letter...addressed to hubby and wife, why copy of summons ba na-email nila and di po kaya yun fabricated lang ni ca (as in sum of money cases, automatic po addressed to hubby and wife ang summons/notices)

      Delete
  61. ask k dn po bkit bglang gnon kalaki ang sbi po dhil 90k ang credit limit k automatic dw po un ang need k byaran at un po ung tinutubuan nla

    ReplyDelete
  62. @hopefull 02...ay di naman yata tama yon, 90k credit limit mo but nsa 30k lang ang na-default and kahit pa abutin ng almost one year yung defaulted amt. mo di po sya dapat aabutin ng 249k na crazy amt. if you will ask me and promise di rin alam ni comedian kung bakit ganun ang amt na defaulted...
    ask ko lang, me sum of money case filed na ba ang bpi, and kung meron man dapat ikaw mismo ang naka-receive ng notice/summons and yes addressed yon sa inyong mag-asawa
    -but kung si comedian lang ang nagsabi sa inyo malamang sa hindi pakana lang ni comedian yung case...

    ReplyDelete
  63. ca lng po ngsabi ms. cherry, wla p po ako summon letter at tama po kau d maipaliwanag ng ca skin bkit po ngkagnon. ilang beses n dn po ako tmwag s bpi pero sbi po dna nla hwak ang acct k nsa saulog and de leon n dw po. ung inimail po nla skin ay settlement options, pero sbi kp super laki ng tubo at d nman po gnon ang naiwan k skanla.

    ReplyDelete
  64. Banker tanong ko lng po kapag nakarecieve ng ganito... Attention Ms.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.

    ReplyDelete
  65. @hopefull 02, ah ok, yes when you call the customer service dept they will just endorse you to the kotong-collectors... now if you have the budget and wanting to pay the bank just go to the recovery department/credit card/bpi dito po sila sa me paseo de roxas makati and request for the soa and just tell them na as much as possible you want to deal directly with the bank kasi wagas yung amount na ibinigay ni ca...imagine 249k from a defaulted amt. of almost 30k...ano sila hilo
    -i think wala pang case filed si bpi kasi po nasa 30k lang yung unpaid account mo sa kanila
    -now if you want to challenge the comedians pls. tell them to give you a computation kung bakit naging bloated masyado yung unpaid account mo sa bpi
    -hope this helps

    ReplyDelete
  66. thank you very much for the help and advices ms.cherry, God bless you

    ReplyDelete
  67. Hi just to share you my experience with eastwest with odesa nobleza the legal adviser of Cases Collection Mgt Inc. they conducted personal visit at home and yesterday n d ofc, the messenger handcarry court order and let me signed. Im so ashamed with my colleague because the voice is so loud telling y im not paying my credit card. Also i have client in front of me. She called their ofc and let me talked them offering 0ne time or 2split payment... Just to stop the conversation and let them calm i told them to grab their offer. They let me prepare promisorry note, indicating when to pay and how much... They really harrased me. Then they send me agreement letter to my email. They want me to sign and email to them. Hinde ako nkatulog, im planning to get loan to pay them just to stop them harrasing me. Is this advisable banker/ms cherry? Pero madagdagan na namn loans ko. Pls advised me what to tell them to stop me harrasing, she said lately, we will send again mesenger by 30th pra ipahiya ka... What words can i say to them sa pra tumahimik sila at hinde ako guluhin sa ofc. Im planning to call them tomorow pra masabi ko gusto ko sabihin kc sa ofc hinde ako mkpagsalita.

    ReplyDelete
    Replies
    1. @Ms. Ganda, hi what the messenger/kotong-collector gave you is just a final-never-ending-demand letter
      what they did was harassment/violation of republic act 10870 and you can send the crooks to prison
      -no need for you to sign that repayment scheme and pls. don't be afraid of the collectors, YOU DON'T OWE THEM A SINGLE CENTAVO, now if bumalik ang mga kotong-collectors/comedian...don't let them into your office (di ba po BAWAL PERSONAL VISITS during office hours)
      and pag nag-maldita uli pls. lang patulan mo in a civil way ( di natin need maging bastos...hayaan na lang natin sila ang maging BASTOS)
      and yes favor pls. don't make utang just to pay another utang (it will just be a financial marathon, imagine na-harass ka na and binigyan mo pa sila ng commission, di naman po tama yon)
      and banker's adv NEVER LET THE CROOKS CONTROL THE LIFE OF THE DEFAULTERS and pls. hang around para ma-handle mo ang mga comedians
      -also get a copy of the id of the bastos na messenger/collector and if poss take a picture of them and sabihin mo po sa kanila na you will have them blottered for harassment

      Delete
  68. Thank you ms.cherryl lou, lumakas loob ko dahil sa inyo. Im working in a bank kya mkakapasok sila mgpanggap client. Bka bumalik tlaga uli sya. Nag apply nga ako loan just to pay sana, pero naghinge ako extension kaso ang gusto tlaga this month of may pra ma avail ko discount. Nawalan ako ng gana kc ang tapang ni ms.odezza, nananakot pa na ipapahiya nya daw ako uli sa katapusan. I emailed them already sabi ireklamo ko sila sa bsp, wala pa sila reply. Willing namn ako mgbayad pero sana wag ganun na ipahiya pa ako, mawalan ng respeto mga client sa akin.... Many tnx ms cherry lou

    ReplyDelete
    Replies
    1. @Ms. Ganda, ah ok
      if ever bumalik si kotong-collector just talk to him outside of the bank... para iwas sa kabastusan nila
      yes pls. don't bother to apply for a loan and just tell the bitch na you will have them blottered for harassment (violation of rep. act 10870 and malamang boba si bitch paki-explain na lang po what is ra 10870, or better yet pls. tell the bitch to google the said rep. act)
      and most welcome and wag po magpa-stress sa mga comedians and let them ang ma-stress sa atin...kasi nga-nga sila sa commission

      Delete
    2. Share ko lang ginawa ko sa messanger na 3 beses pumunta sa house at pilit na ipapakausap sa kin yun Ms. Joy ginawa ko pic ko yung ID nya at sinabi ko na ipapablotter ko cya dahil sa panghaharass nila.. sa awa nman mg Diyos d n cya bumalik.. dahil sa mga, nababasa ko dito lumalakas loob ko sa, mga kotong collector n yan.

      Delete
    3. @busywife...good job
      yes you have the right to speak or not to the crooks
      by going to your house for 3 times it simply means that the messenger (thru the order of the kotong-collector ) is trying to harass you per se

      Delete
  69. Hello po. Ask ko lang kung ano mangyayari if the bank (BPI) files a sum of maoney case against me. I have an unpaid card more than 350k (it grew because of interest and charges) as I cannotvpay anymore. I'm unemployed. I'm really worried my folks will find out. There's a law firm sending me emails about a final demand and that the sheriff will confiscate my properties. I don't have any apart from regular home appliances. I'm extremely worried and been researching for the past 5 days after receiving that email. I have an illness and I can't be stressed. And it is afffecting me so much I honestly want to kill myself so as to escape the burden. Please answer my question. 🙁

    ReplyDelete
    Replies
    1. even if the bank files a thousand cases, kung walang pambayad, that's it!
      wala namang death penalty sa Pinas, di ba?
      lol!

      Delete
    2. I know. Thank you.

      Baka lang po meh mas matino pa kayo na sagot.

      Delete
    3. ano po ba ang gusto ninyo "matinong sagot"?
      common sense po ang sagot ko.
      unless you don't have one?

      Delete
  70. pls. post your queries on the LATEST blog entry.

    ReplyDelete
  71. Hello po. Tanong ko lang po kung ano pwede ko gawin kasi wala po akong pambayad ng cc ngayong buwan
    Pwede na po bang magparestructure sa bangko kahit 1 buwan late nalugi po kasi negosyo namin. Salamat po

    ReplyDelete
    Replies
    1. hi bank will only entertain your concern when you start defaulting on your cc
      -like pag na-default po kayo this month, pls. check with the bank kung poss na kayo mag-pa-restructure ng account (your account will be cancelled), mas ok po sa bank lesser interest and longer repayment scheme and you will be given a decent soa
      -now kung struggle po ang terms ni bank...ok lang po to default and pay the bank pag ok na po ang finances nyo
      -for now pls. focus on basic needs of the famiy

      Delete
  72. hello po, ask lng po ng advice, kng nasa ca npo b ang acct.can be po b n mgdemanda cla?

    ReplyDelete
  73. @tessa, hi filing of case depends on the policy (and minsan on the defaulted amt. like pag di kalakihan bank will not bother to file case and sa totoo lang there are times huge ang defaulted amt. but still no case filed at the end of the day)
    bpi, bankard, lending companies aka as 5/6 banks are filing sum of money cases

    ReplyDelete
  74. my pnadala po kcng letter skin galing ng law firm, nkalagay po don bpi vs my name, pti civil case no.andon dn po, totoo po kya ito? pntatawag dn po ako ng collector agency pra isetle k ung amt ngemail dn po cla ng diff.payment scheme which i think masyado po malaki pra s naiwan ko sknla from 70k last yr po nsa 241 k npo cya now at lalaki p dw po, nkikipg coordinate ako s bank pero nasa collection agency n dw po acct k

    ReplyDelete
    Replies
    1. @tessa, hi you can verify if legit ang sum of money case by going to the hall of justice of makati city hall
      wow ha, pano kaya ang computation nun, imagine from 70k as of last year, naging 241 na sya ngayon
      now kung legit ang case whether you attend or not or kahit pa kunin the best lawyer in town...decision will be to pay back bpi...now pag masipag si judge he can double check kung tama ba yung filed amount...
      now pag walang pambayad...eh di wala
      -in my case, process took about 6 months
      and am good...nawala ang mga pesteng kotong-collectors
      -pls. don't take that offer from the crooks, kasi you will be at the losing end, like if you fail to comply "tuloy ang sum of money case"
      -ang saya di ba, nakuha na nila ang money mo and if you fail me sum of money case ka pa rin...

      Delete
  75. Hi,

    pag may certificate of full payment na ano po next na step para marepair un credit record? like sa cmap. thanks

    ReplyDelete
    Replies
    1. @Ronald, hi if masipag si bank...they will right away submit your name for blacklisting sa cmap/or me bagong agency na yata ngayon
      -got an email from a defaulter and he was told by a friend working in a bank na di pa sya blacklisted
      -now after makuha ang certificate of full payment, poss mag-report or hindi si bank sa cmap...so it will really depend on the defaulted bank kung mare-repair pa yung name ng defaulter...

      Delete
  76. My default cc din ako sa bpi about 200k debt, at may case napo naka file skin from metropolitan court, at my schedule hearing narin, wala pa po tlga ako pambyad sa drbt cc ko..pag hndi ba nag attend ng hearing automatic panalo na cla?tnx sa sagot

    ReplyDelete
  77. Good day po, my defaukt cc po ako sa bpi around 200k ung debt ko,,then they filed already a case against me sum of money,my letter po ako natanggao from METROPOLITAN COURT my hearing po,pag hndi po ba umattend ng,hearing ok lang po ba?natatakot po ako e,,tsaka nasa probinsya ako.tnx sa reply

    ReplyDelete
    Replies
    1. hi mag-attend or hindi panalo si bank
      pag walang pambayad...eh di wala po
      just move on...

      Delete
    2. Tanong ko din po,,kung panalo c bank, ano po maging next move nila?

      Delete
    3. next move is for the legal counsel (this was the former kotong collector na naging legal counsel kasi it is in their time when the bank filed for a case) will request the sheriff with a court order to look around for the bank deposits of the defaulter (granting na walang cash si defaulter)
      -pls. don't worry, bank will not be interested with our old stuff sa bahay

      Delete
    4. Pano po ung payroll account kasama ba un sa e garnish nila?

      Delete
  78. can crooks go to offices and make scandals or they just send never ending demand letters...kakatakot kasi at nakakahiya if mag scandal sila sa gate....sad mom

    ReplyDelete
  79. @sad mom, yes sometimes crooks can be that desperate and make scandals sa office or home ng defaulter but why will you allow them
    if they make such crazy move, just tell them that you can have them blottered for violation of rep. act 10870
    -most kotong-collectors were trained to harass defaulters
    but sabi nga po ni banker to "never allow the comedians to control the life of the defaulter"

    ReplyDelete
  80. Magandang gabi po. Meron po akong credit card sa metrobank na hindi ko na nabayaran for how many years. Pero nagbabalak ako bumili ng property kaya gusto kong i-settle. They are asking for an amount as one time payment, pero nakikipag-negotiate ako baka puwedeng tanggalin yung interest among other fees para bumaba yung babayaran ko. Puwede po kaya yun? Salamat po.

    ReplyDelete
  81. Hi po,kasama ba ung payroll account sa writ of garnishment?

    ReplyDelete
  82. @ Cherrylou & Banker,
    Hi, you can call me Confused, nawalan po ako ng work dito sa UAE, at present may loan po ako sa HSBC. International Bank po kaya worried ako kasi wala naman akong choice kundi iwanan ang mga financial obligations ko dito, kasama po ako sa mga na layoff due to lost client contracts. Silent recession po dito mahigpit po ang competition kaya I doubt na mkakahanap ako ng work with enough salary to cover all my monthly bayarin.
    Mahahabol po ba nila ako sa Pinas and yung House and Lot po under my wife's name, pwd po ba nilang mkuha un?

    ReplyDelete