Thursday, June 08, 2017

Anonymous Posts



It is hard whom to address our replies  if all queries are from  a single "anonymous" poster.
that is why I refrain from answering them.
FYI.


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172 comments:

  1. Banker and ma'am Cherrylou, ask ko lng po may bank account ako ATM sa BPI 200 pesos lng po ang maintaining balance pero dun po magpapadala Ang sister ko Ng pera para sa schooling ko? Wala po ako CC sa BPI sa ibang bank lng po. Possible po ba makuha Nila Ang padala ng sister ko Kung may file sum of money. Ang ibang bangko na may cc ako? Thank u po

    ReplyDelete
    Replies
    1. possibility:
      only when there is a decided case/judgment.
      withdraw mo na lang kaagad.
      one time lang naman yun.

      Delete
    2. Pano po kung kasama yung account ko dun sa recent system glitch ng BPI na nadagdagan ang pera, pwede pong makuha din yun pag may judgement na? hehehe nagpapatawa lang po.

      Delete
    3. SAM here.. Hello po banker and ms.cherrylou!

      May tanong po kasi ako about sa sss loan ko po. Balak ko po sana mag renew, e kaso po PNB po nagrerelease nun check ng mga salary loan sa sss. Defaulted cc bank ko po kasi yun PNB last yr lang po ako nagdefault. Mattrace po kaya nila na may balance pa ko sakanila at i-hold yung check ko if ever? And balak ko din po i-settle yun balance ko sknla hopefully bfore this year ends san po kaya pwd makipagusap at negotiate bg terms of payment kasi po naaalala ko balance ko sknla below 20k lang po pro now 29k na sinisingil nun mga kolektor.. Salamat po sa sasagot.. more power po!!

      -Sam

      Delete
  2. Banker and mam cherrylou, ano Po meaning dun sa BSP Circular 454. No calling beyond 10:00pm unless the amount is past due more than 60 days. Pwde na Po tumawag ang collection agency Ng 10:00pm and beyond Kung past due na Ng more than 60 days. ?Thank u po

    ReplyDelete
  3. Mag collection agency banker Ang caller. Wala po ako kakasuhan. Pangtakot lng po sa CA.😂

    ReplyDelete
  4. Banker, Kung magpadala po ako Ng pera sa parents ko like western union Kung nasa abroad na po ako ? Makukuha po ba Nila Kung may judgement na. Thank u po

    ReplyDelete
    Replies
    1. it's not for your name's credit
      and its over the counter transaction.

      Delete
  5. Banker, Kung may account po ako sa germany possible po Nila makuha Ang pera ko o Hindi po? Thank u

    ReplyDelete
    Replies
    1. excuse me banker, can i answer po Donald's concern
      nope po, if ever me decided case for sum of money, bank accounts lang in Pinas ang affected

      Delete
    2. Thank u po banker and mam cherry Lou God bless

      Delete
  6. Hi banker, I was reading this blog site for two days, like other people po na nagcocommebt dito nakaka experience din po ako ngayon ng ganyan regarding my cc sa Hsbc. umabot na sya ng 158k panay po tawag nung taga Prime alliance recovery management na for priority na daw yung account ko kasi almost 2years na. Wala naman po talaga ako pambayad sa ganun kalaki na amount. Binigyan nya ako ng until 2pm today para daw magbayad ng 59k na lang. Pwede ko po bang iignore na yung tawag nila or magalit dun sa Eva Malabanan na yun at sabhing hindi ko nga po kaya yung amount na sinasabi nya? Nabobother lang po talaga ako na baka umabot sa pagvisit pa nila sa office or bahay.

    ReplyDelete
  7. Hi banker this is Anna. Delinquent ako sa BDO dahil hindi kona sya nabayaran before nung nawalan ako ng work. Ngayon Im planning to open a savings account sa PNB dahil may work nako ulit. May possibility po ba na makuha nila yung savings ko sa ibang bank? Thank you

    ReplyDelete
    Replies
    1. @Anna, just to share a thought...no way for BDO to get your payroll account from PNB
      kahit po me decided case for sum of money, as per banker
      payroll is exempted from garnishment
      happy weekend and good luck on your new job

      Delete
  8. @cezsca, hi just to share some thought
    -i hope na nice yung ca mo (as comments for parmi is not that good, try to check the agency's name in google and you will see what i mean)
    kahit pa abutin ng hundred years ang account mo...pag walang pambayad eh di wala
    di porket me work, me pambayad agad...in reality bago pa ma-receive ang salary...budgeted na (right or wrong, parang nakiraan lang sa palad natin
    again pls. prioritize your needs and pls. don't let the ca control your life
    -pls. remember "crooks will simply feed on your fear"

    ReplyDelete
  9. eto na sila my RCBC fans...




    RE: 4293 XXXX XXXX 7008



    Dear Sir / Madam:



    Please be advised that we have not received any payment for your last month's due.
    To put your account on current status and to avoid further inconvenience,
    please pay immediately your minimum amount due of Php10,589.00.



    Should you have any further query/ies about your account, please feel free to call
    RCBC Bankard Collections at (02)771 8015.


    Non-payment may result to endorsement of your account to ERJ Collection Mgt 718-1423,
    Receivers& Liquidators (02)638-4447, Telan Hipe Flores Law Office (02)501-0046,
    24K Accounts Consultant (082)296-0570, (032)297-4911, Admerex Solutions (02)756-5922.



    If payment has been made, kindly disregard this letter..







    Very truly yours,

    Collection Group













    The information contained in this email is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. If you have received this e-mail in error, please delete it and notify the sender as soon as possible. The contents of this e-mail may be confidential and the unauthorized use, copying, or dissemination of it and any attachments to it, is prohibited.
    --

    Best regards,
    Julie Anne G. Fabricante
    In-house Collection Specialist
    RCBC Bankard Services Corporation
    771 8016



    The information contained in this email is intended solely for the use of the individual or entity to whom it is addressed and others authorized to receive it. If you have received this e-mail in error, please delete it and notify the sender as soon as possible. The contents of this e-mail may be confidential and the unauthorized use, copying, or dissemination of it and any attachments to it, is prohibited.

    ReplyDelete
  10. Hi team, Ms. Cherrylou and Banker may tumawag sa akin taga rcbc daw sila n daw naghahandle ng account ko anl daw balak ko pwede daw nla ako bgyan ng options... Sab ko as of now hnd ko pwede itake ang option n sinasabe nla kasi db kapag d ko napa nindigan balewala dn sab ano balak niyo rising tone na.. Sab ko I'll pay when able.. Sabay baba ng phone ..tama ba tong ginawa ko? I'm a single mom po kasi...

    ReplyDelete
    Replies
    1. mam @cha tama man o mali ginawa mo ang point is wala kang pambayad.. at ng dahil jan wala silang magagawa or pag nag file an ng kasi wala din magagawa ng court kung wala kang pambayad.. period

      Delete
  11. @Cha Velasco, hi yes tama po yung reply mo sa ca, lalo na't there is really nothing to commit from your end
    -just focus on the needs of your child/ children
    promise no big deal on the sum of money case
    -just an end of the pesteng-collectors
    happy weekend Cha

    ReplyDelete
  12. Good afternoon Banker and ms.Cherrylou. I am Anna pag ba delinquent ka hindi ka na pwede magopen ng savings account sa ibang bank? Anu ba ang mga risks? Hope you answer my concern, thank you

    ReplyDelete
    Replies
    1. @Anna, hi from what i understand bpi lang ang me issue bout opening of bank accounts pag defaulter ka... but there are other banks around
      -no risks, just don't open an account where one has a defaulted cc

      Delete
    2. @ma'am Cherrylou, share ko lang po... nakapag-open po ako ng bpi savings account (ung easy saver po) 4 years ago kahit na defaulter po ako sa credit carda ko with other banks since 2007... Eto lang po ang main na pinapasukan ng income ko as freelancer at hindi naman po ako nasita noong nag-apply ako. Sa paseo branch po ako nag-apply noon...

      Delete
  13. Just to share my experience with admerex. Nice CA ask me
    CA: good morning po introducing his self. mam ano po pwede namin maitulong sa inyo?
    ME: what a nice question, help me where i can get money so i can pay bdo in full"
    CA: mam mahirap po yan. Naintindihan ko po mahirap ang buhay ngayon pero sana magawan nyo ng paraan
    ME: exactly that's why i defaulted and i cant do anything
    CA: mam last day na po ito magfile na po ng case si bdo
    ME: then go ahead file it in any court you want in the phils. After all court is fair and the most legal.
    CA: mam sige po i note ko na lang dito.
    Then i ended the call.

    Hehhe.. Salamat po sa blog na ito. I know how to deal with CA. Hindi na po sila makulit. Thanks banker and ms cherrylou.

    ReplyDelete
    Replies
    1. @Nancy, most welcome
      yes ganyan naman mga comedians, panakot ang filing of case
      eh di sige i-file...no worry
      -mami-miss lang natin ang kotong-collectors....JOKE

      Delete
  14. hi po, nadalaw uli ako dito banker at ms cherrylou,,,pampalipas oras while reading comments...hehe

    share ko lng tahimik ngaun ang buhay ko, well dahil n rin sa ngpadalos-dalos ako nun paniwala sa CA n sila cna napolcom (used our brgy to contact me), atty escasinas (rtc 56), atty lim (complainant/legal officer dw ng EWB) in short nagbayad/nagdeposit ako ng 12k thru my old cc acct,,,anyway may pinirmahan din akong agreement to settle balance of 32k by may 31 (out of court settlement) which is hindi ko nagawa,,now i dont recieve any calls on my dummy mobile number or maybe tatawag uli un para makakuha uli ng pera,,hehe

    anyways, thank you uli sa inyo, khit pano nababawasan ang paranoia ko...hehe

    ReplyDelete
  15. Mam cherrylou and banker, marami Po ba cases nag file si bank sa mga defaulter na estafa due to nagabroad Sila o nagtransfer Ng home address to search good future without informing the bank or CA ? Thank u

    ReplyDelete
    Replies
    1. @Donald Cruz...as far as i know wala naman
      -if ever sum of money case lang (and no big deal...)

      Delete
  16. Hi sa inyong lahat... Readers,banker and ms. Cherry.. It seems na puro c kotong CA crookz ng EWB lagi ang masigasig mangbadtrip base sa mga nababasa ko dito. Grabe tlga cila.. Tapos nag google ako regarding sa utaldo law firm n yan ha it seema na scammer ang CA nila.. Alam kaya ni Atty.Utaldo yun?? Hahaha..yang law firm n yan laging CA ng EWB.. So far di pa cila yata handle ung account ko. If ever man..gyera na toh hehehe. Joke lang!!

    ReplyDelete
    Replies
    1. @jialhen, yeah i also don't know what is with the collectors of ewb...most of them are pain in the neck
      ganda ng comments sa ultado 'no (meron pa dyan sa parmi/prime alliance naman...just be on the look out for them para alam ang diskarte)
      -well maybe the owner is not wasting time to check on the comments... pero dapat aware din sila
      maganda kasi kitahan eh...kaya ayun
      go with the flow na rin sila...tsk tsk tsk

      Delete
    2. naku super yang Ultado Law Firm na yan grabe they even message my co workers sa Facebook para hanapin at siraan ako grabe :(

      Delete
    3. Grabe tlga kumita lng mga mokong n yan. Walang mga budhi... Hehe. Sa kanila kaya mangyari ung gnun. Di nmn ginusto mging defaulter kramihan sa atin my mga mbigat n pinagdaanan.

      Ms. Cherry and banker isa p pong question. Mllaman Po ba ng mga Crooks n yan if my property n nkapangalan sa isang defaulter khit hindi ideclare? Kc dhil nga sa possible n laki n ng interest baka umabot ng 1M ung defaulted amount. Possible ba na mkita un sa court at kunin.
      Ang EWB po ba na mga crooks ms Cherry and banker ask lng po if msipag cila mag file ng ganyan

      Delete
    4. the answer is NO.
      hinde naman yan member ng Kadamay.
      lol!

      Delete
    5. Omg! Nalakas tawa ko sa Kadamay answer! Hahaha!

      Delete
  17. Good day po sa inyo, may nagtxt po sa akin ito po content:

    Kinabahan po ako jan, pero nag subside nman pero may pangamba pa unte, di ko lng sure kung ano criminal offence ang ginawa ko.. Ano po masasabi nyo dito maam/sir?

    "PNP advisory. (my full name written)
    expect our operatives to arrest you (Bench Warrant) at exactly 2pm tomorrow together with sheriff to issue writ of execution check ur property. pls be informed for your voluntary surrender to avoid commotion at ur place. PS/Supt.Eleazar P. Matta , OIC-Regional Intel Division (Camp Bagong Diwa)Taguig city."

    Salamat po sa magrereply...

    ReplyDelete
    Replies
    1. hahaha....matagal na scam yan ni kotong kolektor.

      1. google mo ano ibig sabihin ng "bench warrant"
      2. sheriff? bakit takot ang pulis? lol!
      3. kung aarestuhin ka, bakit inform ka in advance?

      hay, naku. press 'delete' lang.

      Delete
    2. Opo salamat banker, na search ko po ung brnch warrant., may nabasa din po aq sa dating post nyo ganyan din po ang content ng text, mga loko tlga...

      Delete
  18. Hi po... if ever ba magfile ang bank, san po ba nila ipapafile ang case at ang hearing? MTC ba ng defaulted bank o MTC ng defaulter? One of defaulters from province here....

    ReplyDelete
    Replies
    1. @Benotshaken, hi when serious si bank to file a sum of money case it will be filed kung saan located ang main branch ng bank, like bpi sa makati and bankard sa pasig city

      Delete
  19. Should i be alarm? Search ko po yong name nung pulis nsa list po tlga sya...
    May nagtxt po sa akin kaninang umaga

    Quoted:
    PNP advisory. (full name ko nakasulat)
    expect our operatives to arrest you (Bench Warrant) at exactly 2pm tomorrow together with sheriff to issue writ of execution check ur property. pls be informed for your voluntary surrender to avoid commotion at ur place. PS/Supt.Eleazar P. Matta , OIC-Regional Intel Division (Camp Bagong Diwa)Taguig city.

    Kinabahan po ako konte eh, kaso napapaisip po aq dba po di nman pinapaalam na arestado ka? Pero di ko din lam anung krimen po ginawa ko...

    Salamat po sa magreply...

    ReplyDelete
    Replies
    1. @Rosalin Aquita, hi pls. ignore the sms, si kotong collector lang po yan (and don't worry kung existing man name ni pulis patola)
      di po itini-text when someone is about to arrest you...ano yon para maka-pag-tago lang ng wagas

      Delete
  20. Ms cherrylou and banker i had research po sa google that CA's particularly anchor collections do asset search to verify if really debtors don't have any means to pay their debt. But i think bank has to pay certain amount for this additional service and siguro if amount is not huge bank will not bother. So i think it's better transfer any asset you have as ms cherrylou did. Parang yon po ba nagiging motive ni bank to file a case kasi the bank assumes na may money ka sa bank kung madaming properties na makita under your name esp. kung may registered business ka. There's bank secrecy law kaya bawal maverify mga deposits. Pero mahirap pa din if ever they find one they still need to wait for the approval of writ of execution.
    Buti na lang nasa Pinas tayo. Sabi nga ni banker walang firing squad. Forget the debt but not the lesson. Lets start anew. Happy weekend!.

    ReplyDelete
  21. @ Cherrylou & Banker,
    Hi,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
  22. Hi Cherrylou & Banker,
    Need po ng advice niyo. May defaulted BPI CC ako amounting PhP250k last February 2017 at wala na rin ako pambayad. Hindi ko sinasagot ang tawag ng SP Madrid Law Firm hanggang sa pumunta sila sa bahay at namin. Sabi nung isa sa riding in tandem nka priority daw ako kasi malaki ung utang ko. Sinabi ko na wala ako trabaho (pero ung totoo resign na ako at mgstart na ako June 30 sa new work ko) tpos may tinawagan sya at may pinakausap sa akin, aware nman ako na collections yun. Sinabi nya sa akin na need ko mgbayad ng 20k within the day kung hindi mgfoforward na sila ng complaint sa court. Sabi ko wala pa ako pambayad kahit pigain nya ako wala talaga dahil wala ako work, tpos tanung nia panu daw ako kumakain sabi ko may work ung step father ko pero labas sya kung anu man issue sa akin, sabi need ko daw mgbayad. Sagot ko try ko, tatawag nlang ako sa knya kpag nkpagbayad na ako. Pero hindi ako ngbayad tpos nung gabi may ntxt sa akin kung nkpagbayad na daw ako. Npka informal nmn nung txt kaya "delete". Nabasa ko nman ung thread so relax lang muna ako. Question, need ko ba sagutin tawag nila para hindi sila pumunta sa bahay namin? kc c mudra pinapagalitan ako about sa defaulted credit card ko... huhuhu Salamat po!

    ReplyDelete
    Replies
    1. take the call ; let's talk in court.

      Delete
    2. @captured, hi me pagka-majadera si kotong-collector huh, di nya concern kung san ka man kumukuha ng budget nyo for food
      now as per my experience with bpi, pag serious si bank to file a case, it will surely happen within the first year of defaulting and promise no big deal, just an end of the pesteng collectors
      pag-walang pambayad...eh di wala
      -just don't keep bank accounts
      -as per banker payroll account is exempted

      Delete
    3. May joint account po ako sa Metrobank with my mother... Anu po gagawin ko? Ok lng ba iclose nmin un tpos mgopen nlng ng new account under my mother?

      Delete
    4. @captured, hi yes when the bank files for a case, better close the joint account with your Mother
      defaulted bank will only ran after cash/bank deposits
      pag wala eh di wala

      Delete
  23. Ms cherrylou and banker any comment po regarding synergy collection services kung nice or maldita po ba mga CA's nila? Sumuko na po si admerex. Bdo sent me a letter informing my new CA. thanks po

    ReplyDelete
    Replies
    1. lahat na CA mabait if you promise to pay,
      but try mo "wala akong pera. sa korte na lang tayo usap"
      they will show their true colors.
      lol!

      Delete
  24. Anon pong ordinance ang tungkol sa hindi pwede maki alam ang barangay sa credit card defaulter? Yung isang CA pumunta ng barangay at pinuntahan ang bahay namin. Ate ko ang naka usap at pina papunta eaw ako sa barangay about sa credit card ko. Syempre ang ate ko (aware naman sya na may utang ako sa ccard) eh nagulat. Nag text sa akin na pumunta raw ako sa barangay at ayusin daw yun. ------- MomOfTwo

    ReplyDelete
    Replies
    1. RA 7160 Local Govt Code
      Chapter VII
      Sec. 408
      and
      Supreme Court Cir. 14-93

      Delete
    2. sa akin naman, may nagpuntang taga baranggay sa subd namin. Nagkataong wala ako sa bahay, kaya sa guard inabot ang papel na pinagsusulatan ng name ng pulis kuno na dpat ko daw tawagan. Alam ko na agad na collector yun. kaya nag message agad ako sa brgy chairman namin na hindi pwedeng kakasangkapanin sila ng mga collection agency. siguro naman natauhan yung kapitan namin. hehehe

      Delete
    3. MomOfTwo,
      Better ignore it, lumang modus operandi na yan
      Several times na yan ginawa sa akin...
      Mag-iiwan ng kapirasong papel na may kalakip na cel. phone numbers...:_)

      Delete
    4. @Sasa Elias, yeah yan ang kulang sa mga kapitan/kapitana ng barangay, parang di nila ma-sense kung ano ang sakop nila at hindi... and most of the time gusto lang pumapel...tsk tsk tsk

      Delete
  25. Hello po! I have a pending application sa isang bank. Part po ng requirement ang background check. Ask ko lang po san po ba mas ok na bayaran? Sa HSBC(32k)? Or sa CA(they offered 17k)? Pag po ba nasettle ko yun, hindi na yun makikitasa records ko? Thank you!

    ReplyDelete
    Replies
    1. @RJP, hi whether you pay sa bank or sa ca, getting you off the blacklisted list will depend kung masipag si bank na i-clear yung name mo
      -now , if you have a friend working in a bank, try to request him/her to check kung blacklisted ka, kasi yug ibang defaulter wala naman sa list...
      -as confirmed by one defaulter whom i have been exchanging private emails with

      Delete
  26. Banker, ms cherrylou and other kadiskarte another question po. Anong mga CA po ng bdo at metrobank ang grabe mangharass? Thanks po.

    ReplyDelete
    Replies
    1. see remarks here:
      Tuesday, June 13, 2017 at 12:56:00 PM GMT+8

      Delete
    2. Nancy,
      CA's have the same characteristics...kahit mag-iba o mag-palit sila...They have the same common denominator :-)

      Delete
  27. hi ms cherrylou,ask ko lang po 2 months na po ako defaulted sa EWB,42k po ang defaulted amount ko,tawag cla ng tawag at netong huli po may pupuntang attorney sa bahay namin,mother ko po ang nakausap,totoo po ba na may attorney na pupunta??tnx po, wala po kasi tlaga ako pambayad...

    ReplyDelete
    Replies
    1. Norman,
      have you heard about an atorni collecting house to house?
      lol!

      Delete
    2. @Norman Maliwat, banker is right
      waley po...messenger lang po sya ni kotong-collector
      -comedians job is to call out defaulters, bihira po sa kanila ang nagha-house-to-house
      for now pls. focus on basic needs n just hang around to make life stress-free from the crookd

      Delete
    3. taray ni attorney naka tricycle naningil sa bahay hahaha

      Delete
    4. Norman Maliwat,
      Att no case lang yan, better ignore it para iwas stress :-)

      Delete
    5. ahh ok po salamat po sa inyo banker and ms cherrylou

      Delete
  28. Magandang hapon po.. eto na sila nagpunta sa haus, nag email, nag text tumawag..medyo malake kase itong sa rcbc ko 243k.. naka ready na daw ung pag file ng case... tapon demand letter, nag email reply ako di ako makakabayad kase no work at may sakit ako...Cases chun associates...

    ReplyDelete
  29. Thanks a lot po sa mga sagot nyo banker, ms cherrylou and mr dhastan. Para kasing hindi magpafile c bdo ng case bale 3rd CA ko na yong synergy. May idea po ba kayo kung anong mga banks ang hawak ni ultado at sp madrid? Thanks.

    ReplyDelete
    Replies
    1. these are merely CAs - collectors lang.
      they cant file cases.

      kahit sinong CA o bank yan,
      wala ka namang hawak na pera.
      so, that's it!

      Delete
    2. Nancy,
      All banks have their own CA's :-)
      Move on...n lang tayo para iwas stress
      While reading your comments above, I thought you are moving on... :-)

      Delete
  30. Hi Banker & Ms Cherrylou
    I have default cc from SCB for 7.5 years now. The last statement and I still have it with me has 40K balance before I left to work abroad.
    I never heard from SCB or collector, or at least my family ignored them hence I didn’t know that they are after me. Until just last week Aiqon collection called me at my work (abroad) and offering Amnesty of 58K for 290K balance.
    Because they have my work direct number, I gave them my prepaid number and personal email to send me the Amnesty letter.
    They never bothered me throughout the weekend and even Monday which was holiday. Tuesday they called me on my prepaid number and asking when will I make payment.
    I told them I can’t pay for the amount. But they insist that I should deposit any amount within the week then complete the rest of 58K the following week.
    They also said that if I didn’t make any payment now then their company here abroad will chase after me. And instead of 58K I will have to pay for 290K.
    I’m not really worried if the collector here abroad chase after me because we have credit bureau here. I know that they can’t prove I defaulted my cc else I should be reported to credit bureau.
    Wednesday I refuse to pickup their call, then I received letter through email saying that they will do ocular visit at my work and my house. Since then I’ve been getting calls from local number here.
    I have yet to ask for SOA as well.
    So now my questions are:
    - [ ] Do I put it in writing to request for SOA certified true by Bank? Or keep all communications to phone calls? My friend advised me not to respond to any email.
    - [ ] Does responding to Amnesty program affect Statute of Limitation? Not payment but to accept Amnesty letter or entertain calls. Like for some here signing paper handed by Collector’s messenger.
    - [ ] I know Bank can still sue you up to 10 years. But does anyone know if any Bank has sued default for 6 or 7 years or more?
    - [ ] I read on some blog that Collectors buy debt from Bank. Does that mean Collectors can sue you as well?
    - [ ] In case Bank sue you and court decided against you, is it better to show in court with the last statement on hand and tell them you are willing and able to pay only for that amount or more but not exceeding your credit limit?

    ReplyDelete
    Replies
    1. what is more safe and legal than taking the issue to court?
      (swindlers can't. lol!)

      Delete
  31. funny story but true.. from a friend who is also a defaulter of cc

    pumunta sa bahay at nag pakilalang pulis ang CA

    CA: gud am po ako si Po2 ramirez nanjan po si ms.xxxx

    maid: ay sandali lang po tatawagin ko

    my friends father is a police officer who happens to be regional cheif

    lumabas si father pulis with full uniform

    father: pre hinahanap niyo daw anak ko? patingin nga ng badge no. at any order from station?

    namutla si CA at nanigas

    CA: sir gud am po messenger po ako sa collection agency pinabibigay lang to sulat

    father: kala ko pa pulis ka din?

    CA: ay hindi po baka nag kamali lang maid niyo

    father: sa susunod na babalik ka dito at manloloko ka ng tao , uuwi kang bangkay sa opisina niyo

    lesson learned sa mga CA : be careful sa mga pinag gagawa niyo baka nga naman bangkay na kayo bumalik sa opisina niyo ok?

    ReplyDelete
    Replies
    1. @marc p... hi nice and funny story indeed
      and swak po dyan ang kotong-collectors ...lol

      Delete
    2. Semi- stressed ako sa pangungulit ni bdo sa mga magulang kong senior pero natawa ako sa kwentong ito! Wish ko pulis din tatay ko! Hahaha!

      Delete
  32. @Red bean
    1. no need to reply on the comedians emails/sms/calls
    2. yes, but why entertain them when they can't even explain why the defaulted amt. is bloated
    3. if bank is serious to file a case, it gonna happen within the first year of being in default
    -as per my personal experience
    4. no
    5. when the bank files for a case and you have the budget to get yourself a lawyer, ok to attend the hearing and question the defaulted amt.
    -i guess no longer sensible to make an appeal when the case was decided upon

    ReplyDelete
    Replies
    1. Good day Ma'am Cherrylou and banker...God bless your family

      Delete
    2. @Dhastan Lardizabal...hi long time no hear
      hope you and the family are good
      stay safe and may God bless you more...

      Delete
    3. Thanks Banker & Ms Cherrylou
      God bless

      Delete
  33. good morning Banker and Ms. Cherrylou, ask ko lang po, may loan po ako sa pag ibig worried lang po kasi ako kung pwede rin ba kunin ng bank ung account ko dun, thru cash card.. thank you po

    ReplyDelete
    Replies
    1. @Momshie, hi no worries about cashcard if one has a decided case for sum of money...

      Delete
    2. thank you Ms. Cherrylou, sobrang worried lang kasi ako. Maraming salamat sa inyo ni Banker tuwing namumroblema ako nagbabasa lang ako dito parang stress reliever ko na rin ung pagbabasa ko dito.. thank you, thank you po talaga

      Delete
  34. Good afternoon po banker at mam cherry. ako na nman po to but this time, ang itatanong ko po s regarding po pg magAapply ka for auto loan. kc ang kapatid ko po gusto mgAutoloan under my name kc po nsa ibang bansa sya. ippaGrab a car nya po. kaso defaulter ako. pwd po ba ako mgApply sa ibang bank ng autoloan kng san wla po akng record?

    ReplyDelete
    Replies
    1. @Lady Ehl, hi yes just give it a try
      carloan is guaranteed
      -who knows... you might not be on the blacklisted list yet of cic, as some banks were not that masipag in making reports
      -as shared by one defaulter who i have been exchanging private emails with
      -and pag nakita to be on the list just tell them you went out of work
      good luck

      Delete
  35. Hi po CC defaulter din po ako. And bago lang din po. Buti na lang po at nakita ko itong site nyo. Sobra pong hindi ako makatulog sa gabi sa kaiicp kung pano ko babayadan ung mga defaulted CC ko. And thank God talaga kc ung mga CA n yan kung makakolekta akala mo ikaw lang ung may utang sa buong mundo. Sobra po talaga cla mang harrass.

    ReplyDelete

  36. just received this today. Any experience about this CA? thanks for the feedback

    June 15, 2017

    Good day,

    Mr. xxxxxxxxxx


    This is to advise you that your RCBC Bankard account with card number ending in 7008 has just been endorsed to us by RCBC Bankard Services Corp for collection handling. To settle your account, kindly call us at (02) 7090859; 0926-362-0724; 0947-609-0238 and look for Ms. Ayenita C. Malamdag of ALEXIS A MOLAER LAW OFFICES. Thank you.



    Thanks,

    Ayenita C. Malamdag
    Alexis A. Molaer Law Offices
    No. 7 La sale St. Brgy. Silangan
    Quezon City, Metro Manila

    ReplyDelete
    Replies
    1. @marc p., hi the comedian who handled my account was sakto lang
      -though before they were notorious for being such a pain
      enewi just pls. learn how to handle them
      happy weekend

      Delete
    2. Molaer, monthly ako nagbabayad hindi naman nababawas sa utang ko 😣 ano po ba pwed3 gawin? Gusto ko na kasi bayaran utang ko kaso iba iba namam kausap ko, gusto pa ura urada ako magbayad

      Delete
  37. hi po banker and miss cherrylou. tanong ko lang po, 1 year na ako di ako nakakabayad ng cc ko kc nanganak ako, wala na ako work kc nag aalaga na lang kay baby. sa dati kong tinitirahan wala na din ako, wala na din dati kong mobile no. kc sa tagal ko di naloadan na block na. ng minsan napasyal ako sa work ko binigay ng kawork ko letter nakalagay final demand, kakasuhan daw ako ng ra8484 kc wala ako response sa lahat. bago po yan may nareceive ako na letter sa metrobamk na magpapalit sila collection agency ksi wala nagawa ung una. makkasuhan po ba nila ako kasi di nila ako nahahagilap? ano po ba pede kong gawin.balak ko sana tumawg sa bangko para sabihin wala na ako work kaya wala ako pambayad.ano po ba pede kong gawain?

    ReplyDelete
    Replies
    1. tapon.
      next time, don't open those extortion letters anymore.
      wala namang totoo dyan.
      lol!

      Delete
    2. @saykedelic, hi yes no need to inform the bank of your whereabouts and just let the crooks do their job in tracking you down
      and just pls. continue to move-on and focus on the needs of the family

      Delete
  38. How about po sa mga Personal Loan at nagissue ng PDC? Mas madali po ba maihahabla yung nagloan since may PDC? Hindi ko na po kaya mabayaran yung loan ko sa Eastwest amounting to 200k. Makakasuhan po ba ko ng estafa? Thank you in advance.

    ReplyDelete
    Replies
    1. @Sandra Lucas, hi as per earlier post of banker, no more imprisonment for bp22
      -if ever nag-file ng case si bank, just attend when summoned and explain your side (pls. keep cleared checks or the bank statement on hand )
      -court is much aware that pdcs were issued to pay-off loans and not to defraud
      -fyi, no postings yet bout ewb filing for a case (sadyang crazy lang ang mga collectors nila )

      Delete
    2. Thank you, Ms. Cherrylou! Follow-up question po..kung mag file po sila ng kaso..magrereflect po ba ito sa NBI ko since napatunayan na nagissue ako ng bouncing check? Maraming Salamat po.

      Delete
  39. maraming salamat po, panatag na loob ko ngaun.

    ReplyDelete
  40. Hi,

    Im a young licensed professional, natatakot po ako na masira reputation ko kasi tawag sila ng tawag dito sa office. how to avoid them po? i had my card last march 31 lang and first billing ko po due last june 5, na over limit din po yung EWB card ko. Now tawag sila ng tawag sa office tinatakot po ako, ayaw ko ipaalam sa parents ko kasi dad ko may sakit, im planning to pay naman po pero pagkadating ng bonus ko pa. ano po dapat ko gawin? kasi kung hindi daw po kao today makabayad , papabayaran na daw po sa akin whole amount next week, 1st time user po ako ng CC. please help me po, tumatawag din sila sa bahay natatakot ako baka mom ko makasagot.

    ReplyDelete
    Replies
    1. @young one, hi since you have just defaulted nasa inhouse collection pa yung account mo and i guess you just need to pay the min. due (no need to wait for your bonus which is 6 months away pa)
      -once paid sa next billing, me late penalty and above limit fee yung account mo.
      kalma lang and for sure you will be able to get through...

      Delete
  41. Hello po sa lahat.
    I have been following your instructions po down to throwing the letters just yesterday. Kanina may tumawag from panlilio firm po. sa kanila din galing ung letter kahapon. so itong si collector nag confirm if ako nya kausap nya sabi ko oo. so yun nagsalita na sya regarding interest and payment options so I told him na pangatlong agency na po sila na nag co-collect so paano ko malalaman na legit sila, sabi nya kaka-refer lang daw ng account (security bank) ko sa kanila (oh di ba?). so sabi ko pahingi nalang ng reference code sir. sabi nya di raw ako nakikinig. may i listen to him first daw. kasi sasabihin pa niya magkano balance ko. sabi ko bago tayo mag-usap pahingi muna ng reference code so i'll know na legit sila. ayaw talaga nyang magbigay to the point na tinataasan nya ako ng boses, so sinabihan ko "wag mo kong sigawan, sir". sabi nya "hindi mam nilalakasan ko lang boses ko kasi baka di moko naririnig". it went on like that for several minutes pa and ayaw nya talagang magbigay ng reference code kaya naaburido na ako so binaba ko na ang fone. tama po ba ung ginawa ko? kung alam ko lang na sila yung tumatawag sana di ko nalang sinagot, na high-blood tuloy ako sa kanya.

    ReplyDelete
    Replies
    1. @ayeel23, hi what you did is right
      tama lang na hingin mo yung referral code or endorsement ng bank...mahirap ng ma-scam

      Delete
  42. Hi Ms Cherry and Banker. 4 years na po akong defaulted sa tatlong credit cards ko, UNION BANK, EWB, and BDO (sinettle ko po and HSBC kasi tinanggap nila ang konting bayad ko). Lahat po less than 30k ang amount. Before I left the Phils to experience life in other country, I asked them to cut my credit cards kasi di ko na kayang bayaran since I will be starting a new life but they said di pwede if di mabayaran. So sabi ko po na please itigil nalang nila ang interest para dahan dahanin ko pagbayad. Pero ayaw padin. Ngayon andami ng letters sa bahay namin. Umabot na sa more than a hundred thousand daw ang babayaran ko. Nagworry ang tatay ko. Sabi ko case ko ito at di siya dapat magworry. Now,somebody added me on facebook. She's a collection consultant at FCO Wordlwide Inc. based in Makati. I googled the company, it's a call centre and I think one of their services is Collections. It's an international company I am guessing. If she will message me on FB, pwede ko pong i ignore. But what if guguluhin nila ako dito (abroad) ano po bang pwede kong gawin? Pwede po ba nila akong makasuhan dito kung saan ako ngayon?

    Thanks po.

    ReplyDelete
    Replies
    1. Vina, hi just ignore the crooks
      if banks were serious to file a case, it should have happened loooooong ago
      -and pls. don't be afraid of the comedians (sabi po ni banker never allow the kotong-collectors control the life of the defaulters ) and whose fault was it, we tried damn hard to request for repayments habang di pa defaulted completely yung account natin and ayaw nila WHOSE LOST IS IT NOW , if no choice but to take their call... just tell them sorry no extra money to pay
      -pls. make your fb account private
      -move on na po

      Delete
    2. Thank you po Ms. Cherrylou. I already stoloed reading their emails. Kaso si Father panay basa sa letters na dumadating sa bahay. Nabother lang ako kasi someone from FCO added me on FB. What I did po is I deleted her request and I unfriended the friend na nagconnect sa amin. Nagsorry nalang ako in silence. Thank you po Ms. Cherry and Banker. This blog's been giving me peace of mind everytime napapraning ako.

      God bless po.

      Delete
  43. thank you banker and miss cherrylou. magkakapeace of mind na din ako.

    ReplyDelete
  44. Hi Sir Banker, Mam CJ, Sir Dhastan,Sir sugarcaneplanter, Sir St.Pio,Cupcake and others.... Na Miss ko ang kotong collectors pero Mas Na Miss ko po Kayo. Keepsafe always. KAYSEY NUNCA

    ReplyDelete
    Replies
    1. @kayseynunca...hi nice to hear from you...miss you more
      and sana "okey ka na...
      have a good and safe weekend

      Delete
    2. Kaysey Nunca,
      Glad to hear you Ma'am :-)
      I've noticed nakapag-move on ka na....
      God bless you

      Delete
  45. hello diskarte team!!! it's been awhile. my life has been so peaceful until today. I received a court order for the issuance of writ of execution :-( ano na po mangyayari? :-( thank in advance. God bless...

    ReplyDelete
    Replies
    1. @georgina aguilar, hi nothing to worry
      -after writ of execution been approved and issued, legal counsel/formerly the comedians will try to make hirit and offer you discounted amt. for one-time payment
      -in my case, i will never take the offer...para que i already have the sum of money case, di naman yun mawawala pag nag-bayad ako...masaya sila
      -as per the post of problemado and creativeminds, who both had a case long ago...wala naman daw nawala sa laman ng bahay nila, more so sa bank accounts nila (and wala pong sightings ni sheriff whatsoever...
      hope this helps

      Delete
  46. Hi banker, Ms. Cherrylou. Kakastress si Ultado Law Office, nagpunta na tlga sila sa barangay namin at may binigay daw na letter sa kapitan. Ung secretary nagpunta agad sa bahay namin, nagkataon nman na mother ko lng ang nsa bahay. Gusto raw nung law office na magharap harap kami sa barangay hall para daw maforce akong magbayad. May iniwan ding notes na cellphone number na Atty. Noel lang ang nkalagay. Anu po kayang pede ko pang sabihin para hindi na sila bumalik? Nagtext din po sila before magpunta na iavail ko na ung amnesty ni eastwest na from 56k to 20k down to 13k. Worried na din ung mother ko kasi number 1 tsismosa ung secretary namin. Maraming salamat po.

    ReplyDelete
    Replies
    1. Please provide a copy of these documents to your barangay:

      R.A. 7160.
      THE LOCAL GOVERNMENT CODE OF 1991).
      BOOK III
      CHAPTER VII
      SECTION 408

      and

      Supreme Court Cir. 14-93

      "tulong sa barangay"
      lol!

      Delete
    2. Thanks Banker, nakausap ko na yung tga barangay namin and they said na may 3 hearing sa brgy bago sila mag issue ng certificate to file action. I requested them to grant this to Ultado Office since Im not sure if makakaattend ako s mga hearing na yun. Then this CA texted me that they are already litigation office and kaya nilang magfile ng case in behalf of EWB sa rtc of Pasig. Is this true po ba? Anu po kayang next step nila jan? Thanks po.

      Delete
    3. LansF,
      Read the constitution...
      we do not please anyone...
      hayaan mo sila-secretary
      Ingit lang sila sa'yo :-)

      Ginawa na yan sa akin, but di nila ako kaya...thanks to banker
      Common sense, bakit mag-iiwan sila ng kapirasong papel na may cel numbers? hmm... try mo tawagan tiyak ma-stress ka lang :-)

      Delete
    4. LansF,
      I have already said my piece.
      it's up to you kung saan ka maniwala.
      lol!

      Delete
    5. Salamat Banker. Nakausap ko ung brgy captain nmin at buti na lng alam nya ang tamang process at jurisdiction nila. He said na NEVER nyang bibigyan ng certificate si Ultado dahil hindi naman s brgy nangyari ung sinasabing nilang kaso. Mukhang pursigido lng tlga itong CA na to n makacollect sa akin. Malas lng nila at wla tlga akong extra money.

      Delete
  47. btw po, sa BPI po ako defaulted at inactive na deposit account ko sa kanila. paano po ang current account at atm account ko with other banks, mapasama po ba sa sheriff un? thanks in advance....

    ReplyDelete
    Replies
    1. collector: may pera ka pala m'am sa banko bakit hinde ka mag-bayad.
      lol!

      note:
      only if :
      there is an execution of judgement
      there is money in your accounts

      Delete
    2. @georgina aguilar, yup po
      so pls. better close the account
      better be safe than sorry

      Delete
    3. hello banker/ms. cherrylou. even if my account is not under bpi, I need to close my account na. tama po ba? how long po ba bago sila magsimula I-sheriff ung account ko? sa ngayon po kasi may mga check issuances pa ako until jan. 2018.

      napakalaki po talaga ng naitutulong ng blog na ito to ease defaulter's mind.. salamat po..

      Delete
  48. Helloe ms. Cherry and banker share ko lng nag email c PrimeAlliaNce sa akin regarding sa EWB ko natawa ako sa email unlike before nTatakot ako mag basa. Then ngaun nakLagY sa email my bible verse pa (w/c is nabasa ko sa blog n to dati ung sinabi ni ms. Cherry na minsan my bible verses pa dw ) hHah ayan n nga. Then buti n lng aware n ko ky prime alliance n Yan. Dahil snabi din ni ms cherry dito un. At lis khit panu di na ko gaanung magugulat kpg tumawag at sabihin ko i will pay when able.. At as uSual still insisting ung 1tym pyment..
    Salamat sa inyo khit panu my idea ako how to deal with them..tnx and GOD bleSs u all...

    ReplyDelete
    Replies
    1. jialhen...hi fyi medyo rude si parmi
      so just learn how to deal with them
      good luck

      Delete
    2. jialhen,
      Our father ba? forget them...
      emotional blackmailing :-) baka sakali sila
      e-mail add-simply press delete para iwas stress :-)

      Delete
  49. Hi Banker, Ms Cherrylou,

    My mom recently received a summon from RCBC but late na namin na-open since we were used to different mails from different CAs. Hindi na po kasi nakabayad mom ko sa ibat ibang banks. Anyway, we received another letter today that since hindi nag attend yung mom ko, may decision na daw po. Nababasa ko po yung pay when able po. Pero how does it work po? What should we expect after this? What do we do since hindi naka attend yung mom ko? Please advise po. Naaawa na kasi ako sa mom ko nagkakasakit na due to stress. Thank you.

    -Mei

    ReplyDelete
    Replies
    1. Rule No. 1 - if you cannot pay, don't.
      kahit my decision na yan,
      wala ka namang pera,
      wala din.
      it's called "Pyrrhic victory"

      Delete
    2. @Mei, after not attending hearings, legal counsel of bank will request for summary of judgement, of course panalo si bank, after decision, legal counsel will request writ of execution to be issued...para mahanap ni sheriff yung bank accounts ni defaulter (and this is dependent kung me budget si kotong-collector now the legal counsel to buy gasoline for the car )...di naman masaya kung mag-ko-commute si sheriff...lol
      pls. tell mom not to worry...the end is just near
      pag walang pambayad...eh di wala
      =i had a sum of money case, writ of execution was issued early part of 2016 and am good

      Delete
    3. Banker, Ms Cherrylou,

      We have a house and lot where we live now and not to brag po, it's quite big kaya mas lalo worried ang mom ko na baka paginteresan nila. Yun lang kasi naiisip namin na possibe reason why RCBC chose to pursue a case, maybe they think na may makukuka pa. We also have a lot na nakasangla po, do they have a chance ot acquiring it? Financially, my mom is still not okay financially to the point na ndi pa nya maasikaso closure ng business, kasi kulang na kulang pa talaga kinikita nya. Usually enough lang for their meds. Ms Cherrylou, sorry po makulit, paano po magcome up dun sa pag walang pambayad, wala? Kailangan pa ba iprove ng mom ko that she doesnt make good money now? Natatakot pa sya na baka po pumunta ang sheriff sa bahay at kunin yun mga gamit namin na napundar na nya before. Thank you so much po.
      -Mei

      Delete
    4. we are only interested in your deposits.
      lol!

      Delete
    5. @Mei, banker is right, defaulted bank will run after bank deposits
      -that is if the legal counsel has the time, energy and budget to get a sheriff to check around for the bank deposits of the defaulter
      -family home is exempted from execution and sheriff will not show up at our doorstep to get our old stuff, di po nila peg ang mag-ukay-ukay or sabi nga ni banker if ever need to prove ni sheriff na property ni defaulter yung gamit sa bahay...like dapat daw "me stamp na property belongs to defaulter...joke
      -no need to prove na walang budget pambayad si defaulter
      pls. try to backread and see the comment of creativeminds

      Delete
  50. Received an email from Recovery Department daw ng EWB. Regarding Amnesty program. Naka @eastwestbanker.com ang email add. Maganda sana ang offer kaso one time payment lang din. Sayang wala pa naman akong ganung cash(ayaw ko ng manghirap ng pera sa iba, i have learned my lesson. Hanggang ngayon nagbabayad pa rin ako ng utang na pinambayad ko rin sa utang ko sa ccard). ---MomOfTwo

    ReplyDelete
    Replies
    1. Huwag ka na mag-paloko sa EWB na yan.
      sabi nila,employees earn commissions
      from collectors. strange no?
      lol!

      Delete
    2. Unknown-MomOfTwo,
      Forget the debt not the lesson :-)
      Actually, I'll received more than 10x from my email add from different collecting agencies... simple solution: press delete para iwas stress :-)

      Amnesty Program or etc- dapat noon pa, i'll just wondering bakit cancelled na accounts natin... :-)

      Delete
  51. Hi po banker and ms cherrylou, so much help po talaga itong site na ito. And thank you po kc palagi kaung handang sumagot sa mga tanong. Pantanggal ko po ng stress itong site na ito kapag hinaharrass na ako ng mga collectors. Kanina po kc wiwithdrawhin ko na po sana ung last money ko sa bank sa bpi kaso dinecline ng atm ung withrawal ko un pala naman binawasan mismo ako ng bank ng almost 1500. Kc defaulter na din po ako ng bpi. 40k lang naman ako dun kaso po lumaki na xia kc patong cla ng patong ng interest. May 5 cards pa po ako na defaulted na din po since jan this year lang po. 2rcbc, EWB, Metrobank, PNB and BPI. LahaT po ei 40k lumaki na lang cia kc sa interest. Pero ang magaling po mag trace ng mga account and contacts ei c metrobank. Pati FB messenger ko napapasok na nya.

    Banker and ms cherrylou hindi ko po cnasagot mga kols nila. Wala naman po kc ako ibabayad. 3k n lang po ang take home pay ko ngaun. Na slashed kc ung sweldo namin ng 90% kaya sobrang hirap po mag adjust kc may existing loans p po ako. And dagdagan pa na kailangan ko po bilhin ung mga maintenance ng mother ko. Ang tanong ko po kakasuhan pa din po ba nila ako? Sobra n po ako napapraning. Ultimo po ung bahay ko sa rizal ang daming letters galing sa V. E. PALIS LAW OFFICE.

    Thank you po. And God bless

    Daph

    ReplyDelete
    Replies
    1. Rule No. 2 - Prioritize your need; not their greed.
      kayo, magugutom.
      ang banko, hinde.
      collector lang din.
      lol!

      Delete
    2. Thank you banker. This blogspot were so much help for us. Thank you for creating this site. Para po kaung angel na pinadala saming mga defaulter kc napapacify po kami at natutulungan na sa kabila ng lahat ng problema kailangan namin magpatuloy para sa aming pamilya. Kung wala po kau bka nasiraan na po kami ng bait at mas uunahin namin bayadan ung mga kotong collectors kesa sa mga basic needs namin. Bka ngaun pa lang patay na mahal namin sa buhay kc mas uunahin p namin cla bayadan kesa ipambili ng maintenace. At mas lalo kami mababaon sa kauutang kc kailangan namin cla bayadan na all the while pala ei hindi ka pa din naki clear sa bank.

      Thank you so much banker and ms. Cherrylou for helping us. Keep up the good work and encouragement.

      Delete
    3. salamat for appreciating our "works" here.
      (not really, just loving to help others)

      simply tell them to sue you.
      (swindlers can't of course. lol!)

      Delete
    4. @Daph, hi most welcome and our pleasure
      i myself been a defaulter early part of 2013 and i had a decided case for sum of money and am good (just followed banker's adv. to the last letter...)
      as per my experiencem, pag newly defaulted makulit si comedian but at time passes by nawawala na rin paramdam ni ca
      have a good week ahead
      yeah for now pls. focus on basic needs

      Delete
    5. @daph, hi for me bank will not bother to file a case
      as defaulted bank will not file a case as amt. is not
      that huge...sayang po effort, need pa bayaran si legal counsel to file and case
      yes not sensible to pay the utang with another utang ( one will just go deeper with debt)

      Delete
    6. Thank you so much ms. Cherrylou. You and banker were so much help for us. Kc kau ung nag gaguide samin to fight and stand. Oo nga at nagkamali kami kc gamit lang kami ng gamit ng plastic card pero kc may inaasahan kaming pambayad pero minsan may mga hindi inaasahan na mangyayari sa financial income natin na bigla n lang mawawala satin kahit ilang taon na itong tinatanggap.

      Im so much thankful kc pinag adya talaga cguro ng Diyos na makita ko itong website na ito. Kc dumating talaga sa punto na naglalakad na lang ako na parang wala sa sarili. Hindi makatulog sa kaiicp kung pano ko mababayadan ung mga CC ko. Dadagdag pa ung mga kotong collectors na binibigyan pa ako ng time limit na kailangan ko hulugan ung bank kung hindi daw ieendorse n ako sa law office ako naman c gaga nalolokah na sa kahahanap ng pera.

      Kaya salamat talaga sa blog na ito, kay BANKER at MS CHERRYLOU.

      kanina lang txt ng txt sakin ung EWB kino congratulate nila ako kc na qualify daw ung account ko sa repayment program. Ei pano ko naman kakagatin un ei wala n nga ako ibabayad. Kulit talaga nila. Pero duda ako na EWB un kc number lang ang nag aappear bka c kotong collector lang un.

      Delete
    7. @Daph, hi most welcome
      yeah just don't mind the crooks, what are they saying na if you don't pay eh they will endorse you to the law office...haller "sila na nga po yung law office madalas eh, para me dating... ha ha ha
      sabi nga ni banker "forget the debt, but not the lesson and never allow these crooks to control the life of the defaulters
      -for now pls. focus on basic needs

      Delete
  52. Sir Banker i have read na tatoong beses pwede magpadala ng inivration si brgy. So far isang beses pa lang naman. After ng 3 times at di ako pumunta, what will be the next issue?

    ReplyDelete
    Replies
    1. refer to my reply here:
      Saturday, June 17, 2017 at 5:25:00 AM GMT+8

      Delete
  53. Hi po, i just want to ask po, kapag po ba may unpaid credit card ay makakaapekto po ba ito sa application ng house loan sa pag ibig? Thank you po

    ReplyDelete
    Replies
    1. nope. the loan is against your home,savings and gratuity

      Delete
  54. May alam po ba kayo na bank na pedeng mg open ng checking account kahit po may unpaid ceedit card po? Nung umuwi po kasi ako ng pinas, most of the bank po ay hindi ako pinayagan mg open ng checking account kasi po gawa ng unpaid credit card. Ano pong other option for that? Thanks po..

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  55. Is there any bank po na makakapag open po ako ng checking account kahit po may unpaid cc ako?

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    Replies
    1. @Kei Aguila, hi from what we understand, bpi lang ang me issue about opening bank accounts
      -pls. try other banks (dami naman dyan)

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    2. Nagtry din po ako sa ldb, psbank, at rcbc, chinecheck din po nila ang credit history kapag ka po checking account yung ioopen. Thanks po.

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    3. @kei aguila, ah ok
      have you tried requesting bank to let you first open a savings account and maybe after a number of months they will let you convert the savings account to the checking account
      -kasi from what i have read sa earlier post, yun daw po ang option na bini-bigay ng bank

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  56. Hi banker,ask knlang po pagnag file ba ng case ang bank,makaka affect po ba un pag kumuha ako ng NBI clearance??

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    Replies
    1. @Norman Cruz, hi are you talking about the sum of money case for kautangan?
      NOPE it is purely civil, like an annulment case

      Delete
  57. hello banker/ms. cherrylou. even if my account is not under bpi, I need to close my account na. tama po ba? how long po ba bago sila magsimula I-sheriff ung account ko? sa ngayon po kasi may mga check issuances pa ako until jan. 2018.

    napakalaki po talaga ng naitutulong ng blog na ito to ease defaulter's mind.. salamat po..

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  58. @georgina aguilar, understand you're still awaiting for the court's decision right?
    -in my case whole process took about 6 months from hearings to the decision and another 2 years for the writ of execution to be approved and issued
    -so for me kung till jan. 2018 lang ang pdcs mo...i think safe ka pa... but if you want to really be on the safer side, just close all the bank accounts and arrange for your loan to be paid in cash
    -pag pumayag, bank will request you to pay say about 10 days prior to the due date; to give them enough time ma-pull out ang pdc mo (this arrangement must be in black and white po, as some staff is not that gifted to take instructions... nag-bayad ka na over the counter and na-deposit pa yung pdc mo na na-i-close mo na...as experienced by one defaulter " na sa inis he stopped paying for his personal loan "
    our pleasure Georgina and yes chillax lang po

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  59. @cherrylou, I received already ung court decision to issue the writ of execution....

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  60. @Georgina Aguilar
    hi after decision, legal counsel will request for writ of execution to be approved and issued
    -in my case it took more or less than 2 years

    now kung sakaling mapabilis ang writ of execution mo, just close the checking account and request for cash payment over the counter

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  61. Hi po ako din po may Checking accoubt din po ako sa bank of commerce kaso hindi ko po xia ma close pa kc un po ung ginagamit ko sa pambayad ng bahay na inuupahan ko dito sa manila. Ayaw nila ng cash payment. Kailangan may PDC. pano po un banker and ms. Cherrylou hindi kaya makuha ng ibang banks ung outsatnding bal ko. Hinuhulugan ko lang po un kapag malapit n ako mag due date sa bahay.

    Thank you po and God bless

    ReplyDelete
    Replies
    1. @Daph, hi one will only worry about pdcs pag me decided case for sum of money
      -otherwise, ok lang to keep bank accounts ( wag lang po dun sa bank na me defaulted creditcard/loans)

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    2. Thank you ms. Cherrylou. Na praning din kc ako dahil nabawasan ung bpi ko nun. Pero defaulted na din kc ako sa bpi. Kaya kinuhaan nila ako ng pera sa savings account ko.

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    3. Thank you mss cherrylou. Thank you so much.

      Delete
  62. Hello po ako po ung may on going case. May second letter po na dumating na idefault na daw po ako pero hindi akonumaatend sa hearing kasi po sabi niyo wag na and ganun din naman punta or hindi magpay padin. Wala pa naman po judgment pero iniisip ko na iclose savings ko pero paano po yun if may kailangan ako ipasok under my name na cheke sa work paano po un if wala ako savings. May mga padala din po na needs ng family na idinadaan sa acct ko. May case na po ba dito na nakuhanan po talaga ng pera sa savingd acct?

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    Replies
    1. Annie B. hi garnishment of bank accounts will only come into picture once the writ of execution been approved and issued
      -in my case it took about 2 years from date of resolution
      -had a talk with the liaison officer of a collecting agent, who happened to be our corporate lawyer and yes there were able to garnish the bank account of the defaulter
      -as per banker, garnishment is one time, so i guess just keep an amount na pwede i-maintain to make the account active
      -like kung ma-garnish dep ng konte and close monitoring na lang po ang diskarte

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    2. So one time lang po. Okay po thank you. Opo maintaining balance lang naman kasi pag nagpadala withdraw naman po agad tapos kung may cheke ipasok withdraw ko din. Thank you po so much kung wala po kayo ni banker maam cherrylou baka nabaliw na ako. Last nalang po kasi ung case ko po parang idedefault daw po ako. Matagal pa naman po decision nun mam? Pwede din po kaya madismis ung kaso ko? May possibility po ba?

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    3. Annie B. hi from what i understand, to default is not being able to attend the hearing and bank's legal counsel will request for a summary of judgement
      -in my case it took more or less than one year
      and malabo syang ma-dismiss, kasi not being able to attend court will just confirm the defaulted amt.
      yes as per banker it's one time, so kung poss pa i-keep yung savings acct. i-keep mo lang
      -with bdo savings account, as long as you are paying the psos 300 bank charge, the account will remain to be active, so pag me remittance withdraw agad and pag me check deposit withdraw din agad
      -though i understand na garnishment of bank accounts will be in effect for the next 5 years...but i guess di naman tatambay si sheriff sa depository bank ni defaulter...lol

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  63. Hello po ms. Cherrylou / Banker.
    May oustanding balance po ako sa RCBC na 40K plus. Past due date na po ako ng 4mos bali 8k plus. Nawalan po kasi ako ng work kya firstym defaulter ako. Ang dami ko na rcvd na mga letter at tawag hindi ko na po sinsagot ksi nga po wla nmn ako ipambabayad. NGAUN po may na recieve ako txt..

    GOOD DAY!
    FAO:
    (my name)

    PALIS LAW FIRM RCBC Bankard Acct.
    Please be informed that your acct is now subject for civil case filling. For the said unpaid collection obligation. Schedule for hearing by nextweeek. You may call any Legal Officer for details to avoid full extent of the law. Kindly secure your presence at your residence venue on the date given. Thank you
    7181424
    7183245

    Ang tanong ko po:
    1. Totoo po ba tong letter na toh na magkakaroon ako ng civil case dahil sa amt default ko?
    2. May epekto po ba toh sa pag apply ko since ung company na inapplyan ko eh ng background checking sa mga credits. Ma dedetect po ba nila un?
    3. Tlga po ba pupuntahan nila ako dto sa bahay pra sa hearing?
    4. Dahil po sa amt default ko mag file si RCBc?

    Please give me advice mam cherrylou and Banker. Natatakot po ako hindi rin po kasi alam ng mga parents. Wla nmnpo ako balak takbuhan ung credit ko kaso nawalan po kasi ako ng work at ngaub po nag apply.. Hope matulungan nyo po ako. Have a good day po.
    -- Czaryna

    ReplyDelete
  64. Thank you maam sobrang malaking help po ito. Opo d naman po malaki pera ko haha wala nga po maipay sa cc. Iwan nalang po ako ng maintaining balance and yes po for default palang naman po unh case ko so baka medyo matagal pa po. I will have to live by cash na nga lang po. Last nalang maam so after 5 yrs po or so mawawala din ung garnishment?

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  65. Hi Banker,

    Would like to say how relieved I am to see this post and say thank you to the info shared in the discussion..
    Newly defaulted here with almost 800k cc balance with citi. Been very good in paying then family emergency arises. I have some questions to ask?
    1. Can i just add the phone numbers to my blacklist contact list and simply ignore them?
    2. Tried to negotiate an amount to pay however declined kay collector. Been wanting to work things out with the bank pero malaki masyado ang monthly hinihingi. Just don't settle?
    3. I know na my employment will not be at risk as i read from the comments pero you have to live with the fact na they would know eventually or they will not? Thinking to apply to a new job, good or bad move?
    4. Apart from the harassment what are the legal concerns i have to watch out for or prevent? Anything i should be doing? Is simply ignoring everything the best move?


    Thank you.

    Newly defulted.

    ReplyDelete