Thursday, June 01, 2017

Collectors' Visit

Pag-sinabi ni Kolektor na bibisitahin ka, either of these will happen:

1. hinde pupunta
or
2. pupunta at mag-dala lang ng demand letter
    - no big deal. pirmahan kahit ilang beses at saan niya gusto. tapon

2.a after ma-receive, pipilitin ka kausapin si "atorni","supervisor" etc.
    - si kotong kolektor din yan. " ayaw ko"
    - that is coercion/grave threat punishable by imprisonment.
    - mag-eskandalo? public scandal is a crime. plus libel, oral defamation
2.b "assess" ang mga gamit mo kuno.
    - may authority ba sila? WALA
    - palayasin mo na bago ka tumawag ng pulis.baka akyat bahay lang yan!

209 comments:

  1. Good day Banker. Itatanong ko lng po if totoong pedeng kumuha ng certificate to file a case si CA (Ultado Office) sa baranggay? Un daw po kasi ang instruction sa kanila ng EastWest Bank for my unpaid cc. Nakapunta na sila once sa bahay nmin s batangas and I'm bit worried na magpunta nga cla sa kapitan nmin. Salamat po.

    ReplyDelete
    Replies
    1. Barangay has no jurisdiction over EWB and you.
      As a lawyer, he should know that.
      So, how can it issue a Certificate To File Action?
      heheheh...

      see RA 7160 Book III Sec. 408
      and Supreme Court Cir. 14-93
      at ipakita mo ito kay Atty. Kolektor

      Delete
    2. Thank you Banker, itake note ko po yang RA and SCC number above.

      Delete
    3. LansF, hi banker is right
      maybe a certificate to file a case over utang ng magka-kabarangay (and di po sya covered sa creditcard bills)
      -kotong-collector trying to be smart huh
      and ultado law office is becoming a permanent fixture sa blogsite ni banker...and di po yata maganda ang mga comments sa mga collectors nila
      -and sikat din sila sa google...tsk tsk tsk

      Delete
  2. hello kadiskarte team!

    What CAs also do sometimes is they will call the barangay or nearest police station of the defaulter. Gagawa ng kwento ang CA at ang walang ka malay malay na barangay official or police ay siympre ma alerto din. Resulta ay pupunta sila sa bahay niyo to ask about this matter .. pero ang totoo wala din sila alam sa correct procedure. So pag eto nangyari sa inyo humingi na lang kayo ng despensa sa barangay at i explain na CA lang etong mga tumatawag sa kanila. Actually malaking abala yan sa barangay dahil busy rin sila and concern din sila sa nasasakupan kaya they will make time to inform you. Di ko ma take ang nga kahaguhan ng mga CA na to! may araw din sila!

    ReplyDelete
    Replies
    1. marc p.
      refer to my reply above.
      chill!

      Delete
    2. Tanong ko lng po may ganyn din po kc ako problema eastwest tin po..may CA din po tumatawag sken dami din po nya sinasabi sken..kaso po may na pirmahan po ako agreement letter sa sobra taranta ko po napirmahan ko po..sbi po nya magagamot daw po nya un sa korte..ano po kya maganda ko po gawin..salamat po sna po matulungan nyo po ako

      Delete
    3. invalid document yun. niloko ka lang ni kotong K.
      lol!
      see my reply here:
      Thursday, June 1, 2017 at 1:14:00 PM GMT+8

      Delete
    4. Hi po banker And ms. Cherry. Meron po akong defaulted amount sa standard chartred credit card ( na ngaun ay handled n ng EWB na notorious ang mga CA) mula ng naging EWB di ko na cya nabayRan dhil nagkarun kmi ng malaking financial problem gawa ng nagka lung cancer ang byenan ko at namatay. Naghirap kmi sobra sa finances nmin dahil alm nyo naman cguro kung ganu kalaki ang gastos ng sakit na un. Den last december naman maybe due to stress sa problem na ectopic pregnancy ako at naoperahan another hirap n naman sa pera kaya di ko na kinaya bayarin. Ngaun tinatawagan na ko ng standard charted dw cila kc 6mos n ko di nkakabayad. At from 100k na utang ko sympre with interest na un ngaun po lumaki n ng 900k plus??? Kashocks db.Sabi ko sa naging problem namin wla ako maibabayad sa gnun. Tapos mjo nanghaharas n sa work ko nalaman ung landlinr sa work ko. Nhiya man ako sa office mates ko wala nMn ako magawa. Bank ako nag wowork. Pibababayarin sa akin 500k n lng dw 1 tym payment sabi ko san ako kukuha ng gnun gawan ko dw paraan grabe db. Sabi ko nga sa tumawag "ikw kya mo mabayaran ung snasbai mo n 500k after 2days anu ako mangholdap ng bank?"
      Nakakainis lng kc wa pakels cila sa ngyari sa buhay mo o kung ako ba tlga nakagamit ng utang na un.
      Pero salamat po dito sa blogs nyo kc malaking tulong po ito sa akin. Anu po dapat ko gawiN at sabihin kpg pinuntahan ako sa work ko ag harassin kc nabasa ko meron dito pibahiya sa bank na work nya. Eh baka ako cya di ko mapigilan maaway ko sa harap ng client mg pagka war freak ako kc. :) joke lng po.
      At ngaun po for sure super mangungulit CA kc sabi nasa 900k n utang ko w/c un ung limit ng SCB ko sabi pa nya ang laki ng limit na binigay sayo sigurado my pambayad ka. Sabi ko SCB automatic nagbigay nyan di ko hiningi ung limit na un. Tnx po hope po na matulungan nyo ako. Kc worried ako na madala sa MTC un dhil sa malaki na cya. Willing to pay naman ako pero sa halagang kaya ko lng at installment. Kaso ayaw nila. Cympre wla cilang kikitain db. Salamat po

      Delete
    5. As I always say, tell the kotong K :
      "let's talk it out in court para LEGAL lahat ayaw mo pa nyan?"

      don't worry. payable when able doon. lol!
      isa pa, if the kotong Kolektor make a scene,
      that is ORAl DEFAMATION/LIBEL, a criminal case.
      pahuli mo na lang.
      try mo.
      chill!

      Delete
    6. @jialhen, hi normally crooks will just send over messenger to deliver the final-never-ending-demand letter and sometimes me pagka-bully sila like they will request you to make a promissory note na you will commit when to pay...(and pls. don't mind them as you simply give them the license to harass you more)
      now pag nag-maldita si messenger, pls. show him the door and kick-his-ass (pls. remember you are in your own territory and not a soul is given right na i-harass ka)
      banker is right. me imprisonment po sa violation ng rep act 10870 (also always pls. ask for the id ni messenger/crazy collector) and of course the endorsement letter from defaulted bank
      -rule of thumb ni banker "never allow the crooks to control the life of the defaulter"

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    7. Salamt po ng maraming sa inyo ms. Cherry and Banker. I will definitely follow lahay ng sinabi nyo. Nagpapalakas po kayo ng loob namin... God bless po sa inyo at naway wag kayo magsawa sa amin..

      Delete
    8. At saka po alm nyo ba na tinawagan ko pa pi ang SCB dati na magppa amnesty ako dhil sayang unh pumapatong na interest aba ayaw pumayag.. Kaya sabi ko cila na tong babayaran ayaw pa. Gusto malaki pa makuha sa akin. Tapos wla cila paramdam den ngaun n lng n nsa CA na. Ngaun cge makikjpaglaro ako sa knila. Salamat po ulit

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    9. Hi there @marc p... Just my cents lng po... C barangay pde ba mauto ng mga CA crooks n yan. Proven yan dhil sa mga nababasa ko dito and other blogs like this. Pero ang mga totoong pulis??? I dont think so..di cila mag aaksaya ng panahon sa ganyan.. Just sayin again.. Baka mga artistang crooks lng din un.hehehe.. God bless sa inyo..

      Delete
  3. banker katatawag na naman yang jacqueline de luna ng ultado law ofc sabi nya kakausapin nya atty ko, ipapakausap daw nya sa atty nila., nag email pa nga ng SOA at ung mode of payment tapos tawag ng tawag follow up daw po ung email nya, c principal po nakakausap nya kaya kelangan kong kausapin. we ended up in het arguements and it goes like these, "HINDO KO KELANGANG MANGOTONG PARA LANG ME MAKAIN, EH IKW PAGKATAPOS MONG MAGKASKAS NG CARD BASTA MO NA LANG PABABAYAN OBLIGASYON MO PAGKATAPOS MONG IPALAIN SA PAMILYA MO BALASUBAS KA NAMAN"IKAW NA NGA MAY UTANG SA BANKO KAPAL PA MUKHA MO KAYA NGA NAFORWARD D2 SA AMIN KASI HINDI NA KANYA NG BANKO YANG KAKAPALAN NG MUKHA MO. GUSTO MO BANKO PA MANINGIL SAYO KUNG HINDI NAMAN SOBRA KAPAL YANG PAGMUMUKHA MO,NAGEMAIL NA AKO SA HEAD OFC NYO, SANA HINDI MAMANA NG MGA ANAK MO KABALASUBASAN MO, TUMUTULONG AKO SA MGA TAONG KUMIKILALA SA PAGKAKAUTANG E IKAW BALASUBAS, MAGINGAT KA SA KARMA DIGITAL NA NGAUN, HINDI KTA TUTULUNGAN KASI HINDI KA KARAPAT DAPAT SA TULONG KO PWE, WAWA KA NAMAN UTANGERA, ISA KANG MATANDANG BALASUBAS MAGBAYAD KA UTANG MO BALASUBAS".... These are her text banker talagang nginig na nginig ako sa ngayun sa galit ko. advise naman po, si principal kasi ang tnatawagan pag hindi ko cinasagot tawag nya sa cp ko. kelangan ko na daw kasing mag down ng 20k then 40k this month, kaya ala talaga ako maibayad, dami na nyang cnabi na what 4 na inemail nya SOA nd mode of payments kung d pa ako magbabayad.. banker 2010 po ito, last wk lang siya tumawag then almost everyday na. jingjing po ng vigan

    ReplyDelete
    Replies
    1. jingjing,
      please take the call and tell EVERYONE including your principal:
      "what is more legal than talking this issue in court?
      malay ko ba kung authorize lang siya or simply pretending para maka-swindle."
      lol!

      authorize ka ni bank? usap tayo sa court para malaman sino ang balasubas. hehehehe...

      p.s.
      simply press 'delete' yung text.
      end of the month na, wala pa quota at commission yan.

      chill!

      Delete
    2. Banker, jing2 ulit, ano na to, nagfile daw ung jacqueline ng complaint sa dep ed main ofc, banker may tumawag po sa akin na secretary daw po ni Secretary Briones, si Ms Awi Navarro gagawa daw siya ng report forwarded sa dep ed head ofc d2. violating daw code of conduct of public officials. ok naman ung advise nya na maximum tolerance po pero advise daw ni Briones na ayusin ni Ms Navarro 2ng complaint and furnish her the result. kahapon nangyari ung heated arguement sa text then just a couple of mins ago ung tawag na natanggap ni principal about me, siyempre po ipinakausap sa akin si Ms. Navarro. Banker ganito na po ba kaseryoso 2ng napasok kong problema. paranoid na po. advise po banker please. jing2

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    3. nothing is more LEGAL than asking them to take you to court if they are legitimate.
      THAT IS THE ONLY SOLUTION AND ANSWER TO ANY OF YOUR WORRIES!

      tell everyone that.

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    4. p.s.
      si Sec. Briones ang nakiki-alam?
      bigatin ka siguro and milyones ang utang kay kotong kolektor.
      anbelibabol!
      hahahaha....

      Delete
    5. Banker jing2 po ulit, I was relieved kac po nagsurf ako ng contact numbers ni Secretary Briones, nakausap ko po support staff nya si Leo, wala daw po Awi Navarro na secretary ni Maam Briones. PATRICIA FELICIANO daw po ung secretary ni Sec Briones. sobra tahimik ung environment ni Leo banker while ung enironment ni Awi was the same as yesterday ang ingay and ung boses ni Awi ay same sa kaaway ko kahapon. Thank you po banker, my only outlet, i just hope maka eb ako sa inyo. thanke you again and GBU. jing2

      Delete
    6. Hi Ms. Jingjing.

      Be strong po. Collectors will do anything para makakotong. Wag nyo na lang patulan kasi lagi sila may nasasabi. Dati natatakot/naiinis ako sa kanila. Dahil sa blog na to tumapang nako. Hehe.
      Nakatikim na din ako ng mga ganyang salita sa mga kotong collectors at i know how it feels na pinapa-guilty and dinedegrade ka coz of utang. Just be strong.

      Delete
    7. Hi Jing2! How are you? Dati natatakot din ako pag nagr-ring ang fone sa ofc but nagpaka-totoo talaga ako. Kahit na may position akong hinahawakan sa ofc, i already shared my problems with my colleagues. And most of them, yan din pala ang problem. Halos lahat samin, hindi financially free dahil nga sa credit card. Kumbaga bigla biglaan lang din kasi nagsidatingan ang mga plastics na yan. Puro min. amount due ang binabayaran ko hanggang sa magpatong patong mga charges. To the point nagsangla pa tlga ako ng mga mamahaling alahas ko. Grabe stress ko nun. Na-sstress ako dahil sa kahihiyan. Tsaka itinago ko rin sa asawa ko last year. Napapaiyak nalang din ako out of nowhere. Magtatanong ang hubby ko kung bakit tas iiyak nalang ako. Sweldo ko napupunta sa credit card. Wala ng natitira samin. Titipirin ko pa anak ko na asa grade school. Buti nalang andito sila Banker at Ms. Cherrylou. Ang laki ng naitulonh nila and pati kayong lahat. Natuto akong harapin problema ko and hindi ko naman binabalewala na may utang ako. Kung sakaling magka-pera man ako na sobra sobra, babayaran ko ang utang ko. Hindi ko tatakasan. Ang nakakainis lang tlga ay ang mga kotong collectors na yan. Akala siguro nila matitibag nila ako dahil 1st time defaulter ako sa rcbc, metrobank, bpi at ewb. Si rcbc, di na ako tinatawagan. Maliit lang kasi defaulted amount ko. Si metrobank, lulubog lilitaw. Si bpi, isang missed call lang or thru text pero di gaanong harrassment. Among these four, ang pinaka-bastos at super kung mang harrass ay eastwest bank. To think na sa apat na CCs ko, siya ang may pinakamaliit na defaulted amount. Ni wala pa ngang 30K. Nagdefault last year ng around late August ata. Ngayon asa 130K plus na ang need ko raw bayaran. Wow ha! Sila na magaling mag forecast ng charges ko. Hehehe
      Thank you Banker at Ms. Cherrylou and sa lahat sa inyo. God bless us all
      - Airra

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    8. Airra,
      right. magpaka-totoo tayo.
      there was one defaulter who told me she can no longer pay.
      I told her the Rule No. 1
      reply niya? sarcastic daw ako.
      lol!
      "nope ma'm. it's merely your pride"

      Delete
    9. For me, just don't entertain them. Ignore as much as possible. Now, wala ng tumatawag sa akin.. mga 1 year na siguro.. letters wala na din. tapon ko lang din sa basurahan hahaha :)

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    10. @Airra, our pleasure
      yes, we have been in the same shoes years ago...
      in my case i even took out office loans just to be in that "good credit-standing" ; such a stupid move indeed ... have i know better di ko dapat ginawa yun (and sayang di ko agad na-search yung blogsite ni banker )
      enewi sabi ni banker "forget the debt but not the lessons" though banker is not condoning non-payment of kautangan, gusto lang po nya to bring dignity back to defaulters and kung mag-babayad man dapat nsa maayos na usapan (walang lies and harassment)

      Delete
    11. Thank you, Banker & Ms. Cherrylou. Nakatulong talaga kayo. Nawala na yung takot ko everytime they will call our ofc. Actually, i am prepared to attend hearings if ever kasuhan man ako ng bangko. That way, i can try to request for a better repayment scheme and baka sakaling pakinggan ako sa request ko to pay the defaulted amount. Accepted ko na rin tlaga na these kotong collectors will call me from time to time, pero hindi ako magpapaloko sa kanila. Thank you sa inyo. I hope i will be able to pay my debt dahil gusto ko rin maging financially free, yung walang iniisip dahil nakinabang din naman kami ng family ko. Good evening.
      Airra

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    12. @Airra, so far po hindi na tumawag ung a.k.a. jacqueline deluna/Iwa Navarro na sec ni Sec Briones, same voice and same surroundings sa ingay. Kasi po sinabi kong nag complain ako sa BSP for unfair practice of collecting money and harrasment. thanks a lot d2 sa blod na to, na relieved po ako. Thank you banker and ms cherrylou, GBU po. jing2 of vigan

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

    ReplyDelete
    Replies
    1. Amaya,
      no need to cite the whole demand letter here. lol!
      simple press 'delete'

      p.s.
      refer to my previous reply on what to do.

      I almost forgot:
      there is no such thing as "Litigation and Execution' department sa law office.
      heheheh....

      Delete
    2. Thanks po, and sorry for posting all demand letter.

      Delete
  5. Banker, parang ung mga CA Hindi pumupunta outside Luzon proper. Hanggang txt lng Sila at twag Ng mga treat.

    ReplyDelete
    Replies
    1. only if they have branches in the place.

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    2. Banker, branches po Ng bank o collection agency ?

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    3. @Donald, nope
      kotong-collector is the 3rd party collector, not part of the bank
      guess bank would not like to waste money sa pagpa-pasweldo ng collectors na wala naman kasiguraduhan na makaka-collect, with the 3rd party collector, walang gastos
      kotong-collectors earn on commission basis, pag-walang payment...nganga ang mga comedians
      have a good weekend

      Delete
  6. eto lang masasabi ko jan sa demand letter na yan...

    ANSAVE??????? hahahahahahahahaha daming sinabi! lahat na yata ng maisip na RA keme nilagay na. kulang na lang pati cruelty to animals ilagay na para kumpleto na! may copy ka na ng Philippine constitution... hay buhay nakakatawa hahahaha

    ReplyDelete
  7. Hello call me Tweety. Ask lang po ako. I am currently working abroad and when I left 2 years ago, I left my active crefit card to my brother who used it up to he maximum and did not pay it after. I wasn't using my old email address which I used to apply with them so I didnt realize that it wasnt paid by my brother. Now I got an email from my HR officer here that a certain law office from ph messaged them about getting me to contact them or else they will file a case against me and have me deported. They were asking my HR officer for my contact details which they did not give because of confidentiality law here and they just forwarded me that email just so I know they were informed. Now, I checked my old email address and saw there messages trying to collect from me more or less 150k. Because the card was 35k max credit plus fees. Can they really file a case against me and jail me or deport me? They were messaging my friends in facebook that they are already coordinating with uk.embassy to.have me deported. Can this be true or.is this just there way of making me pay? I did not issue any bounced checks. I.jist wasnt able to pay the credit card under my name. Please reply to me i am.getting so stressed about it. Thank you

    ReplyDelete
    Replies
    1. SCAM.
      please refer to my reply above:
      Thursday, June 1, 2017 at 1:14:00 PM GMT+8

      Delete
  8. @jingjing are you a public school teacher? Ano credit card mo po? Masyadong desperado yang ultado na yan and super bastos talaga mga staff nila and ms cherrylou is right madami reklamo sa kanya kahit sa pinoy exchange ang doon sa blog ni mr. Argus agable. You email also bangko sentral for your complain.

    consumeraffairs@bsp.gov.ph

    Copy in the bank and much better if you can get the full name of agent na tumawag sayo. Tsk tsk.. Daming violation nyan. Kamo pakibasa RA 10870.

    Next time na tatawag sabihin mo nag email kana sa bangko sentral and you will also call the bank. Then just hang around in this blog so you will learn a lot on how to deal with collectors. By the way im also a public school teacher and i owe a lot in this blog esp to banker and ms nadefault and others who are also posting their pieces of advice. Big help sila kasi dati paranoid din ako wow.. Bilis ko nka cope up last january lang ako nadefault.

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    Replies
    1. 6 mos palang ako mam sa govt service sa senior high po. when i was still at the private ofc my boss stopped them of calling me sa ofc but when i started here, si principal agad tnawagan dun na nag umpisa pangungulit ni2ng "jacqueline deluna" of ultado law ofc. ... jing2

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    2. Ako im 7 yrs in service na elem. Just learn how to deal with that rude CA. Tell them that personal calls is not allowed sa opis. Give your personal number para dun ka na lang tawagan. Then never give them a chance na maka komisyon sayo. Tell them you dont have extra money to pay period. You dont need to narrate your life story. Takutin mo na you already filed your complaint sa bangko sentral. (and gawin mo talaga) what they are doing is harrassment in violation of RA 10870 and bangko sentral circular 454. Natutunan ko yan sa blog na to mam. Makakaraos din tayo. Magkano ba balance mo dun? And anong bank? Ako 2 cc. Mcc and bdo 410k total. Im answering all their calls in my cellphone and told them no extra money.

      @marc p. may case filed na po ba sayo? Sakin un ang panakot pero until now i havent receive one. Thank u ms cherrylou and banker.

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    3. @jing2, ah yes the crooks will try to get hold of your principal talaga para they can put a pressure on you na mag-bayad
      ako nga, with parmi they tried very hard to get hold of my bosses and hr and ang palusot was they will ask for their permission daw ??? para maka-usap ko sila ng maayos (kasi nga po office hours and personal visits/calls not allowed)...samantalang before iba ang alibi nila, they wanted to speak with my boss/hr kasi "ginamit ko daw name ng company when applying for a card"... stupid alibis indeed (and fyi, i didn't apply for my cards- pre-approved po sila and nag-landing lang sa table ko...lol )

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    4. @Nancy, most welcome po
      and from what i understand di po magiging cause ng pagkawala ng work ang pagkaka-utang sa creditcards (kahit pa sa mga government employees)
      -baka pa pag sinapok natin ang mga kotong-collectors for being a pain in the ass...

      Delete
  9. Hello po banker,nag text po ca sa akin kanina na mag set nalang daw sila ng hearing sa brgy namin.doon nalng daw po kami mag usap kasi di ko po daw sinasagot calls nila. Kilangan ko po ba silang siputin kung sakali? Pls help po banker. Salamat po

    ReplyDelete
    Replies
    1. hello anonymous! if i were you yes sisipot ako. and i am sure hindi sila sisipot dun kasi they know for a fact na walang jurisdiction ang brgy. pls dare them to file a complaint sa brgy. and for the record wala pa ata dito na reported na nakarating na mag harap si CA and defaulter sa brgy.

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    2. hi to share a thought
      di po concern ni kapitan/kapitana ang kautangan sa creditcards
      baka pa kung kautangan ng mag-kakabarangay and one can request for a certificate to file a case pag-ayaw mag-settle
      again, wag po seryosohin ang mga kotong-collectors aka the comedians

      Delete
  10. Hi Banker.
    May BPI CC ako dati. Madalas transactions non dispute at hindi akin, kaya biktima din ako pero of course, ako pa rin ang may utang sa bank kasi card ko yon. Umabot na sya ng 275k now. Nailipat na sa Law office or collection agency, so binayaran ko ng 2k per month. Kong nagbayad naman ako, biglang binalik sa bank ang collection. So si Bank na ulit ang nagsisend ng SOA sakin. May ibang law office na naman ang nagtext and I sent an email telling them I am open for settlement or payment arrangemen pero ang demand kasi nila noon pa, one time payment. Now, nag alangan na ako to settle this. Gusto ko man bayaran pero terms kasi nila which in the end, mahihirapan naman ako. What should I do? Is it good to visit the bank to ask for rescheduling? Or just let it go. Ang nakkahiya lang kasi baka tumawag sa company namin and maghasik ng lagim. Malalaman ng colleagues mo na may utang. Kahit di naman nila alam buong storya. Thanks Banker

    ReplyDelete
    Replies
    1. refer to my reply (above) to the SAME worry as yours:
      Thursday, June 1, 2017 at 1:14:00 PM GMT+8

      Delete
  11. Good day mga kadiskarte!
    Just got off the phone with MS. CORAZON CABITAC of CAPITAL COLLECTIONS handling EWB defaulted accounts.
    Akala nya siguro madadaan nya ako sa sarcastic and insulting words. E sya ang napikon saken. Lol. Sya mismo ang nagsabi na ibababa na daw nya ang telepono at tatawag na lang sa ibang araw. Kesyo kakausap daw sya ng tao sa head office regarding my account.
    The collection agency wants me to settle half of my monthly payment, 2400php, sa offered nilang scheme. Sabi ko wala pa sahod. I asked what would happen if i pay 2400. Ma-update daw ang account. Which means i pay the bank's offered "discounted amount" na nasa 166k. So sabi ko even if i pay 2400, i cannot settle the 166k. Napaisip si madam. Lol.
    Also since i think Capital is the 3rd agency to handle my account, when i asked her if she can check kung magkano na nasettle ko from the previous scheme, wala sya maisagot at instead told me na wag ako magtaas ng boses. Lol.

    Dahil sa blog na to kaya fully confident ako s mga sinabi ko sa kanya. Sobrang thank you talaga banker and Ms. Cherrylou! God bless!

    ReplyDelete
    Replies
    1. good diskarte!
      btw, are you sure her name is Corazon Cabitac?
      lol!

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    2. Banker malamang po di talaga nya name yun. Pero very confident sya magsabi na yun ang name nya. Lol. Ang galing talaga nilang artista. Bigyan ng award!

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    3. @Marj, our pleasure and have a good week ahead

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  12. Hi banker,

    Yung prescriptive period po na pwede singilin at kasuhan ng bank ang defaulter di ba po 10 years,
    pero kapag po nakasuhan na ng sum of money another 10 years po ba?
    Kelan po magstart yung pangalawang 10 years? Kapag may demand letter na po, o kapag may decision na po yung court?

    Kasi kahit umabot po sa court mukhang imposible ko po mabayaran yung laki ng amount ko. Gusto ko lang po malaman kung kailan completely di na po ako mag-alala. Sabi nyo nga po e forget the debt, but not the lesson.
    Dahil sa blog na ito, mas kalmado na ako kaysa dati.

    Maraming thank you po.

    -chris

    ReplyDelete
    Replies
    1. The prescriptive period to file a case is 10 years, although malabo na yan mag-file after 3 years normally.

      The execution of the decision is 5 years. after that, the plaintiff has to request and explain why. It will be given another 5 years if the explanation is satisfactory. although again, malabo na rin yan.

      Delete
    2. @Banker, thanks Banker
      so time-counting na pala ang mga comedians sa account ko
      and dahil they are feeling so lazy to get a sheriff to execute ng judgement...offer pa rin nila discounted amt. for one-time payment...as if i will take their offer
      -not in my lifetime
      have a good n safe week ahead

      Delete
  13. Hello po, share ko lang. My mother got stressed out today because of SP Madrid kotong collector regarding my BPI defaulted credit card. Na stress nanay ko kasi dinadamay pa pati mga kapitbahay namin. Pati sinabi ipa-publish daw sa newspaper ang pangalan ko at magbayad daw ako kung ayaw ko masira ang pangalan ko. lels. :D Thank you banker. So today I briefed my mother to just ask ask them to file their case in court. I also informed her to call the police if nag-iskandalo. At pag pumasok sa bahay eh ipakagat na lang sa aso namin. This is Honey po. aka Hannibal. Thank you banker. =) I owe you a lot :) <3

    ReplyDelete
    Replies
    1. nice to know that.
      and you are much welcome.

      Delete
  14. Hi guys! Hindi man ako madalas mag comment sa mga nakaraang araw eh nagbabasa ako nitong blog na ito always. Tama lahat ng sinasabi nila banker at the rest ng Diskarte team, do not worry magsasawa din yang mga yan basta wag nyo lang iparamdam na natatakot kayo. After so many years, may pramdam na naman saken ang mga kotong collectors, ayun panay na naman tawag sa cp ko at pati sa office pero keri lang, sa dami ng natutunan ko dito inaapply ko sya lagi. Gusto nila mag one time payment ako eh hellooo, kaya ka nga na default kasi wala ka na pambayad, good thing lang, yung collector na tumatawag ngaun saken eh mabait naman. Pero till now hindi ako nagsesetle kasi wala naman ako pang settle, unahin ko pa ba yan sa bahay na hinuhulugan ko. Sabi nga nila banker, prioritized your needs and family needs.

    I hope nakatulong ako ng konti para mapagaan ang mga nararamdaman nyo, konting encouragement lang ito.. Basta keep on reading this blog and once kayo naman ang makaraos sa stress bring back the help na ginawa ng iba for you dito by simply giving them encouragement and a little tips pano nyo nalampasan, malaking tulong na sa kanila yun.

    Have a blessed day everyone!

    ReplyDelete
    Replies
    1. Thanks Hello Kitty! Tama ka madami talaga natutunan dito! :)

      Delete
    2. @Hello Kitty, hi nice to hear from you
      and good to hear na kahit paano you have moved on
      yes comedians come and go...so di po dapat seryosohin
      -yeah stupid offer of the crooks for discounted amt. for one-time payment... di nga kinaya mag-bayad ng min. due...one-time payment pa ba...hay naku, comedians simply forgot na mag-isip ng konte pag me time !!!

      Delete
    3. Hi Marj and Ms. Cherrylou.. Yes po at sabi pa nila 3 weeks pa bago makuha ang certificate of full payment. Yung payment gusto nila ura-urada tapos yung certificate na papel lang naman eh aabutin ng 3 weeks?? Kalowka sila.. Hehehe

      Delete
    4. @Hello kitty... yes and wala man lang proper endorsement ng bank huh...

      Delete
  15. good day po banker and ms cherry lou. tumawag po ako sa eastwest bank today para makipag negotiate sa account ko. Willing na po kasi sanaa ako magbayad sa kanila. kaso ang sabi po sa collection agency na daw po ako makipag coordinate. ano po gagawin ko? natatakot naman po ako masayang yung bayad ko pag dun ako nakipag coordinate sa CA ni eastwest bank. sana po matulungan nio ako ano po dapat gawin. thanks po.
    -jelai

    ReplyDelete
    Replies
    1. see my reply here:
      Thursday, June 1, 2017 at 1:14:00 PM GMT+8

      Delete
    2. @jelai, hi yes when you call the customer service dept. of defaulted bank, they wl just endorse you to the 3rd party collector, try going personally to the recovery dept of ewb
      now ok to deal with the comedians if:
      a. authorized sila, like dapat updated yung endorsement sa kanila, bka naman palipat na sa ibang ca yung account mo and definitely mawawalan saysay yung payment mo
      b. fair ang amount
      c. me written agreement
      d. yung certificate of full payment, there are times malabong makuha yun
      -otherwise if no settlement can't be reached with the bank/comedians...just forget the idea n focus on basic needs

      Delete
    3. Thanks po banker and ms cherrylou. Btw po ms cherrylou, isa po ba ewb sa na default mong card and nabayaran? Pumunta po kayo personally sa bank? Kasi tumwag ako sa recovery dept na po nila and ayaw na ko entertain. Pinipilit akong sa ca makipagusap. Magbabayad na nga ako umaayaw pa haha. Ang hirap naman kasi ng one time payment ni ca tapos wala pang guarantee na makuha ang cert.

      -jelai

      Delete
    4. @Jelai, hi yes i defaulted ewb and bec. their kotong-collectors are being a pain in the ass i don't think i will ever pay them/ thru ca man or sa defaulted bank
      -was able to deal directly with the bank on my citibank and union bank creditcards
      -yes you need to go personally to the recovery department of ewb (with the csr, automatic na endorsement sa ca ang script nila...)

      Delete
    5. Hi mga ka diskarts...I'm one of the regular readers here. Thanks for this site. It really helps us defaulters na mapagaan ang dibdib everytime kotong collectors make kulit us to pay..Its just the same, the recovery department of EWB is not helping. Sinusuportahan nila kasi ang CA sa iniinsist nilang demand. The recovery department is also sending demand letters na scripted naman from Kotong Law firm..In my case, ready na sana ako to settle with my counter offered amount pero ang offer daw ng CA is final..so wala ring mangyayari. Binayad ko na lang ang avelabol money sa ibang utang, mababawasan pa. As of now, hindi na sila nangungulit so far...Tatagan ninyo lang po ang loob at magdasal na ilayo sa mga harassments ng CA.

      Delete
  16. Hi again diskarte team.
    Katatapos lang ng usapan namin ng Capitla Collections. So I told them na iforward na sa EWB for case filing un account ko kasi nga di ko naman kaya bayran un inooffer nila.
    Ask ko lang po what to expect after this? Nagffile po ba ng case ang EWB? Sa nakita ko po kasi sa comments sure nagffile ang Bankard, BPI, BDO and lending companies. Tama po ba?
    Anyway mapilit si collector kanina kahit ilan beses ko na ininsist na ibalik na sa EWB. Humirit pa sya na "matagal po un", pertaining i think to the process of the case being filed. Which made me think, edi mas ok kasi mas matagal ko pa bago mabayaran. Lol.
    Any advice po sa next steps ko Banker and Ms. Cherrylou.

    Again many thanks and more power!

    ReplyDelete
    Replies
    1. just continue your diskarte like that.
      lol!

      Delete
    2. @Marj, hi after not allowing the crooks to pull your leg, the comedian will just leave you in peace (sayang po time and effort nya to convince you and your account will just be endorsed to the next comedian ) no postings yet bout ewb filing for a case
      so chill lang marj and pls. focus on basic needs

      Delete
    3. Hello po ulit diskarte team, Banker and Ms. Cherrylou.
      Update lang po. Received a call again today, this time from "Nica of EWB head office". Explain nya na ang isettle ko lang daw is 4800 pero di naman daw icharge un whole amount. I doubt if it's really from the head office. So pinagsalita ko lang sya. Sabi ko sige ill pay but really im not.
      Madiskarte kasi talaga tong mga collectors pero by knowing their diskarte magiging mas madiskarte tayo. :)
      More power mga ka-diskarte! :)

      Delete
    4. Nice one ms marj haha. Magamit nga din yan pag kinulit ako ng ca sa office hehe. Magsawa sila kakasingil ang laki ng interest

      Delete
    5. @Jelai, hi yes when one account defaulted di na po sya babalik sa mother bank...promise kotong-collector just quote the head office but lie lang po yun
      -yeah just take them for a ride...yun naman ang gusto nila "lokohan..." so just give them a dose of their own medicine

      Delete
  17. Amy: Hi Banker, ano po masasabinyo sa mga cases about sa credit card sa SC website... pag lumobo ng lumobo na po ba magfile na sila ng complaint? thanks -
    http://sc.judiciary.gov.ph/jurisprudence/2009/september2009/175490.htm

    ReplyDelete
    Replies
    1. @Amy, hi just to share some thought
      bank will file a case simply bec. it is their policy to file a case (though there are times din na kahit me policy si bank and huge ang defaulted amt., at the end of the day "no case filed pa rin... let's say it's pure luck to get a case"
      -again as per my experience "no big deal" end lang po ng pesteng collectors

      Delete
  18. Banker and ma'am cherry Lou, Hindi na masyado call Ang mga collection agencies Ksi lagi Kung may threat Sila skin any criminal case lagi ko sinasabi ang BSP Circular 454 and RA 10780. Ayun Hindi na Po Sila tumatawag at naginsist. Sbi ko wla ako pambayad. I will pay when able. Thank u po.

    ReplyDelete
    Replies
    1. @Donald Cruz...good job
      -yes the crooks will not stop haunting you pag nakaka-silip sila ng konteng joy of a commission from your account

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

    ReplyDelete
    Replies
    1. my reply is here:
      Sunday, June 4, 2017 at 3:43:00 PM GMT+8

      Delete
  20. Gud pm Banker, Ms Cherry Lou and mga kadiskarte, jing2 po ulit. Awi Navarro d woman who claimed to b d secretary of Dep ed Sec Briones, called me na forward na daw niya ung complaint against me violating code of ethics to my head ofc d2 sa province. Knakabahan po ako banker, paano pag meron nga sila matanggap, ano sanctions ko, embarrassment mapapala ko po. I called also the real secretary of Maam Briones in the name of Patricia Feliciano, pero lumabas daw, but sir Leo d support staff advise me to furnish them a copy of said complaint pag meron man. Banker, how can we get back to this disguising Awi Navarro using high and respective offices para lang pigain ako na magbigay ng pera. Btw, I emailed BSP na rin, wd regards naman sa a.k.a. Jacqueline deluna of Roberto Ultado law ofc.. Worried ulit ako banker, it has been my 3rd wk ng ginugulo nila. jing2 of vigan

    ReplyDelete
    Replies
    1. alam mo naman na FAKE yan, pina-patulan mo pa.
      lol!
      reply: "ok, thanks for the information"
      wag mo na isipin yung "what if"
      there is no end to it.
      antayin mo kung totoo.
      you keep worrying,
      tapos, wala din pala,
      sayang oras mo, right?

      do you have ANY friends from NBI?
      or PNP?
      ask them about "extortion/grave threat"

      Delete
    2. @Jing-jing, hi if i were you i will just ignore that bitch who had been calling you, promise she/he won't bother to call deped/ and if she does "you must be pretty special" for her na mag-effort to call the higher-ups
      i have been in this blogsite early part of 2013 and more or less alam ko po galawan ng mga crazy collectors, bunch of liars ang kotong-collectors, one time the crooks got hold of the building's admin office and apparently told them that pulis-patola are out to get/arrest me and mag-kakagulo if they are denied access; ang sweet di ba...me warning pa...what i did, i simply told them the admin to ignore the scammers
      and pls. don't forget "ultado law office ang ca mo...and pls. google ultado law firm and you will see what we mean...
      kalma lang jing2
      -ikaw din dahil sa stress mo mag-bayad ka din ng any amount just to show willingness sa kotong-collectors este sa bank na you still have intention na mag-bayad ng kautangan

      Delete
  21. Hi Banker and Ms. Cherrylou!

    hays grabe lumevel up na si Ultado Law Office talaga,
    minessage nya pa sa Facebook yung mga kaofficemate ko at
    lahat ng ka ssurname ko regarding sa unpaid CC ko.

    Banker ask ko lang po anu pwde panlaban pag ganitong ginagamit ang social media para makakulekta? huhu help me po. matapang ako
    pero ngayon ko lang na encounter na ganito na ultimo Facebook ginagamit nila.

    SALAMAT Po.

    ReplyDelete
    Replies
    1. pili ka lang dito. lol!
      http://www.dict.gov.ph/cybersecurity/

      Delete
  22. Salamat po banker... Lagi nga po ako nagbabasa sa mga updates dito kc super nakatulong po ito sa akin nabawasan stress ko khit panu. At nkakakuha ako ng pointers how to fight back sa mga pesteng crooks na un. Salamat po sainyo.
    Sa mga tulad ko na di nama ginusto maging issang defaulter standa by lng tayo dito pra matuto tayo ng mga dapat gawin. But still i will pay pa din naman pero kpg kaya na at in a good negociation with d bank not with d crooks if ayaw nila edi better hahahah..

    ReplyDelete
  23. Hehe.. @jingjing nancy here. Ako yesterday and today still calling me bit kpag sinagot wala naman nagsasalita. Last thurs sabi ko just go ahead do whatever is your plan with my unpaid cc kasi i cant do anything wala ako pambayad. And i dare them to file it in court. Haha.. Ms cherrylou and banker is right since there is no joy in my account i can sense they will leave me in peace. Thanks a lot po talaga sa inyo.

    @jingjing just tell that ultado to go ahead and file even to pres. duterte's office and you will just wait for it. They can sense you are very affected and they know your weakness sabi nga ni banker dyan ka nila ididiin. Gayahin mo kami just ignore and dare their bluff.

    ReplyDelete
    Replies
    1. @jingjing, tama po si ms. nancy
      kotong-collectors will definitely feed on your fear
      kaya patuloy po nila kayong hina-harass

      Delete
  24. Hi po. Nakareceive na po ako ng text:
    This is from RS SANTOS LAW FIRM of Citibank Collection Service Provider. Please be informed that your unsettled Credit Card Account with our client Citibank has been endorsed to us for handling. Kindly call today at 09175963028 / 09083736308 for your options.Thank you.

    Magpafile na po ba sila ng case?

    ReplyDelete
    Replies
    1. @Maloupitt, hi as per creativeminds he had a sum of money case with citibank in 2011
      and for me, for a bank to file a case...defaulted amount must be huge para naman po di masayang ang ibabayad ni bank sa legal counsel in filing the case
      -kung konte lang defaulted amt., i guess bank will just leave the crooks in collecting the payment
      -wala pang gastos, pag walang na-kolekta di walang commission ang mga comedians

      Delete
    2. Ma'am Cherrylou, ask ko lng po kung file case sum of money Ang bank sa Ganito credit card limit .
      Metrobank Gold Visa 113thou
      Metrobank Online 15thou
      RCBC Bankard 40thou
      East West 99thou
      Since mid 2016 pa po ako defaulter.

      Thank you po

      Delete
    3. @Donald Cruz, hi mcc and ewb nope
      bankard, with your defaulted amt. i guess kotong-collector lang ang mangungulit
      -if rcbc was serious to file a case (as per my experience) it would have happened within the first year of defaulting

      Delete
    4. Thank you so much ma'am Cherrylou,God bless you always

      Delete
  25. Helo po ulit Banker and Ms. Cherry.. Mat tanung lng po ulit ako... Since po na lagpas na sa 100k ung defaulted amount ko (naging 900k+ na due to interest pero ang balance ko lng tlga dun eh wlan pang 100k lumaki n lng) di na po hawak ng small court case un nasa MTC na po un tama po ba? Anu po ba mga possible gawin nila kpg nasa MTC na? Just want to know lng popara ready ako makigyera :)
    Thanks po in advance

    ReplyDelete
    Replies
    1. Jialhen, hi who told you of the defaulted amount...kotong-collector ba ???
      ignore mo lang po
      if ever bank filed for a case at walang pambayad (tulad ng sabi ni banker) eh di wala
      -nawala lang ang mga pesteng collectors
      i had a sum of money case with bpi and bankard ( notorious banks in filing for a case ) and am good
      -can now sleep soundly at night (just followed banker's adv to the last letter)

      Delete
    2. Hi ms. Cherry and banker.. Yes maybe ung kotong collectors po un ng standard chartered pero ngaun under n cya ng EWB.. Nkakagulat lng tlga kc last recieved ko lng ng SOA 600k one month later (not my really defaulted amt..)wla pa ko nrereciv n bago SOA un nga tumawag at nasa 900k n dw. Susme... My mga nagmimiss call sa akin pwro di naman tinutuloy ung call. Knina meron ulit. Pero tulog pa ako kya late ko n nkita. Sipag db khit holiday.. They just ring me twice base sa call log ko. Ill make sure next tym n tumawag sila record ko convi namin para if ever my harrasment n maganap my pruweba ako. Thanks po. God bless..

      Delete
  26. good morning Banker and Ms. Cherrylou, defaulted card po ako ng Maybank and nagpadala po sila ng letter regarding RA 8484 Section 14, totoo po ba ito?and may criminal case po ba ito? From Panlilio credit & collection services po ang nagpadala.. Thanks po sa pagreply sa akin.

    ReplyDelete
    Replies
    1. @stressmom, wala po
      and pls. remember crooks/comedians/kotong-collectors are bunch of liars
      so di po dapat seryosohin...otherwise mawawala din sa atin ang common sense ( na matagal ng tumakas sa mga kotong-collectors)

      Delete
    2. Thank you po Banker and Ms. Cherrylou,dahil sa inyo lumalakas ang loob namin. Matagal na po kasing di nagpaparamdam mga collectors tapos eto nanaman sila from different collecting agency naman..

      Delete
    3. @stressmom. most welcome po
      ganyan lang po kotong-collectors, parang "palitaw"
      lulubog-lilitaw lang ang peg nila
      -at pag medyo matagal na ang kautangan, dialogue ng comedian "matagal na po ang utang nyo ah, ano ba ang plan nyo... sorry wala pa rin, kasi no extra budget pa rin...pag nag-tanong pa just say sorry but you need to put the phone down as office-hour pa and not allowed to do personal stuff

      Delete
  27. Hi banker tumawag ang barangay sa akin na may pulis na may dala ng court order at pupunta sa bahay para garnish ang property ko and foreclose ang bahay ko. May writ of attachment daw from court. What should I do

    ReplyDelete
    Replies
    1. ows? sheriff's duty po is to go to the REGISTER OF DEEDS for attachments kung totoo. paano i-attach kung pupunta sa bahay mo? i-stapler? lol!
      just another stupid kotong kolektor.

      Delete
    2. @banker, ay cute naman po nun
      i-stapler ang bahay for attachment...
      tawa-much ako dun
      miss you banker... any updates on the next eb

      Delete
  28. Hi banker may pumunta po na pulis to serve a Court order for garnishment of property and foreclosure ng house ko. May sheriff daw po na kasama for my bench warrant may number po Sila na binigay pasig rtc saw po need daw po tawagan para may apply saw ng tro? And possibly Gagarin ko. Barangay po Sila pumunta

    ReplyDelete
    Replies
    1. jbcmdrmt, hi can i share some thought
      -pls. ignore, si kotong collector lang po yan (or ka-connive ni comedian si pulis-patola...)
      fyi, pls. tell the stupid pulis-patola na there is no such thing as garnishment of property...meron garnishment of bank accounts
      TRO, pls. i-tro mo yung face ni kotong-collector

      Delete
    2. Man Cherry Lou and banker eto po yung txt sa akin na barangay. MAGANDANG UMAGA PO BARANGAY COORDINATOR PO AKO PWEDE PO BA KAYO MAIMBITA AT MAKAUSAP NI KAPITANA REGARDING PO SA COURT ORDER NA ISESERVE SA INYO NANDITO PO KASI ANG QUEZON CITY POLICE SA BARANGAY HALL.

      Delete
    3. Per - hi po ask ko lang po if what to do kung may nareceive po akong letter nakalagay Municipal trial court tapos po may mga notary pa po ? Is this legal from Ramiro Law Office po sila.

      Delete
    4. @jbcmdrmt. court order being served by the quezon city pulis-patola... why me criminal case po ba kayo na need i-daan sa barangay
      -now pag wala, i-dead lang po
      for sure when you get to the barangay yung lacoste lang po ang nag-hihintay sa inyo and will get you to call the attorney-no-case para ma-hold ang serving ng court order...lol

      Delete
    5. @anonymous/ or per ba?
      hi is that a copy of the notice/summons
      dapat po me case number and presiding judge
      -to check kung legit, pls. go personally to the hall of justice na nakaka-sakop sa court
      -located po sila sa me cityhall
      (like kung bpi sa makati and bankard sa pasig city po)
      -kasi po mahilig mang-scam ang mga kotong-collectors aka the comedians

      Delete
    6. Tumawag po ako sa mtc makati br 63 meron na pong case number then nasa mtc manila daw po ung docs ko. Nung tumawag po ako sa mtc manila ang advice po sakin wala pa pong sumons pero kung makakapunta po ako agad pwde nilang gawin at para makapgexplain po ako at iisched nila and hearing? Anu po dapat kong gawin. Salamat po.

      Delete
  29. Hi Banker and Diskarte Team, Mag-2 years na pong hindi nababayaran yung credit cards ko. Naka-block na po lahat ng numbers nila sakin dahil nahaharass at stress na po ako. Pati emails, ingnored ko na din po. Pero these past few weeks, sabi nila need daw nila ako makausap sa phone, important matter daw. Magfile po ba sila ng kaso or something? Ano po yung prescriptive period? Thanks po. Medyo kinakabahan po ako pero hindi ko na lang po pinapakita. Sorry hindi na din po ako makapagbackread gaano. Maraming salamat po

    ReplyDelete
    Replies
    1. hi fyi there are the banks notorious in filing for a sum of money case
      1. bpi
      2. bankard
      3. lending companies aka 5/6 banks
      and defaulted amount for me must be huge para di po masayang ang effort ni bank in filing for a case
      =kalma lang po, if you have survived the past 2 years, wala na pong dahilan para di ma-survive ang next fews years
      for now pls. focus on basic needs- like food on the table and educ. ng mga anak

      Delete
  30. Good Day Banker and the rest of the team! Naka receive po ako ng email today for the first time regarding my delinquent account sa BPI from SP Madrid Law office, same collection agency ng HSBC ko. Totoo bang nagpa file po sila ng kaso. base po kasi sa nakalagay sa email nila. inignore ko na lang yung email nila dahil sa mga natutunan ko dito pero minsan may kaba pa rin. 2011 pa yung naiwan kong balance sa BPI ko nasa 10K lang. di ko alam magkano na inabot ngayun. Maraming salamat!

    ReplyDelete
    Replies
    1. Dren Bersamina, having been in default in 2011 with bpi...relax na po, wala ng interest si bpi to file a case
      -and with your defaulted amt. of 10k, masasayang lang po effort in filing for a case kahit sa small-claims court

      Delete
  31. SP Madrid cannot file a case.
    scam. delete.

    ReplyDelete
  32. Thanks. Banker. May binigay po Sila number pasig MTc daw tapos binigay pangalan mung judge na nag issue ng court order para daw po makakuha ako ng tro sa bench warrant ko ng 3pm Tom. How will I handle this. Is this another harassment from a CA?

    ReplyDelete
    Replies
    1. TRO sa bench warrant?
      hehehehe....
      stupid.
      google mo na lang ano ang bench warrant.

      Delete
  33. hi po.i am a cc holder ng bpi. ang problem supplementary lang po ako. then may friend ako nagpaswipe. till now d pa nababayaran umabot na ng 100k un babayaran principal + interest. panu po gagawin dun willing to pay pero sana un maliit lang at un kaya ko muna un friend ko d na nagpakita. thanks in advance

    ReplyDelete
    Replies
    1. hi bago ma-endorse sa kotong-collectors try to request the bank directly for a repayment scheme, mas lesser ang interest and you can do a number of months- say 12 months
      good luck

      Delete
  34. good afternoon banker and maam cherrylou... kahit wala ako tanong binabasa ko pa rin ang blog na ito just to relieve my stress...tanong ko po pag lampas ng 200 k na ang utang regular court na po ba ang hahawak ; ano po ang mangyayari? tapos ang HSBC po ba known for filing a case? thank you po

    ReplyDelete
    Replies
    1. kahit supreme court pa, same thing will happen.
      WALA.
      wala ka namang pera pambayad.

      HSBC? nope

      Delete
  35. Good day po.meron p akon dating utang sa hsbc ma di ko na nabayaran dahil sa nag ka problema ako financially dati nung dalaga pa ako.NGayon po married na ako at kumuha po kame ng housing loan thru banking finance.makaapekto po kaya yun utang ko dati..gusto ko po sana isettle ngaun di ko po alam kung sino ang dapat kong kausapin.salamat

    ReplyDelete
    Replies
    1. @gap, hi if ever makita yung defaulted account mo with hsbc just tell them "you went out of work"
      home/car loan are both guaranteed, pag di naka-bayad kuha ni bank ang property
      -so san ka pa, kumita na si bank...me property pa sila
      good luck
      -fyi there are times though na kahit me defaulted account, di pa rin sya reported sa cmap

      Delete
  36. Banker at Maam Cherrylou..na review ko na po blog...kahit sa small claims or metropolitan court kung walang pambayad...wala...salamat po

    ReplyDelete
    Replies
    1. wey ferrer, tama po
      kahit saang court, pag walang pambayad eh di wala
      and as per the posts of problemado and creative minds, no sightings of the sheriff at their doorstep kahit na approve and na-issue na ang writ of execution

      Delete
  37. Hello po. 5 months na po akong hindi nakakabayad ng card kahit minimum at nasa law office na sya ng molaer. Sabi s text kanina may attachment na dw for filling a civil case s akin. Kaya maki pag coordinate ako til june 9. Totoo po kaya un? Di ako nag rereply kasi wala naman talaga akong ibabayad. Pls help me po.

    ReplyDelete
    Replies
    1. lumang scam na po yan ng mga kotong-collectors
      pls. delete/ignore lang po the sms
      and focus on basic needs

      Delete
  38. Tanong ko lang po kung nag fifile po kaya yalaga ng civil case ang bankard at metrobank?

    ReplyDelete
    Replies
    1. mcc no postings yet
      bankard, yes and as per my personal experience defaulted amount must be a little big, otherwise sayang po effort ni bank to file a case, mag-babayad pa sila sa legal counsel and tulad ng tubig-baha walang kasiguraduhan na makaka-singil

      Delete
    2. Dalawa po account ko s bankard ung isa 138k at 50 ang isa pang credit limitng card ko. Pero s ngayon laki na ng tubo pateho nasa 200k plus na at isa 90k plus gawa ng tubo. Totoo kayang mag file sila ng civil case sa akin? Paano po kaya gagawin ko? Pls help me wala po talaga akong pambayad at walang work ang husband ko po

      Delete
    3. hi as per my experience with bankard, defaulted amt. is 100k due to nakaka-lurkey na interest/surcharges
      -had the case just within the first year of defaulting
      no big deal about the sum of money case, pag walang pambayad di wala
      -for now pls. prioritize the needs of the family

      Delete
  39. Banker and ma'am cherry Lou in many cases the recovery department ng bank po ay Hindi na Po tinatanggap ang settlement mo instead sa CA na Po Nila pinapapunta ? Thank u

    ReplyDelete
    Replies
    1. kasi, mga tamad naman yan. hinde naman sila ma promote, dagdag trabaho pa.

      Minsan, kung i-refer sa CA, hati sa commission.extra income.

      oh, saan ka pa?
      lol!

      Delete
  40. Banker, Mas maganda Hindi na lng bayaran kung Hindi tanggapin ng recovery dept Ng bank Kung sa CA na lng ma pupunta.?

    ReplyDelete
    Replies
    1. yes.
      actually the bank has profited already.
      feeling guilty?
      try this :
      donate thru your favorite charity or church or simply to your family.
      (tumatangap di po kasi ng jollibee dito. puede din Ms. Cherry, di ba? lol!)

      Delete
    2. @Banker, right banker
      and the bank already made soooo much from us lalo na when we opt to pay just the min. due, have you not noticed na by paying the min. due halos di matagtag yung due natin sa bank...mas lalo na pag na-default
      unpaid accounts are being written-off sa account and para mabawas sa babayaran na taxes ni bank...na sa totoo lang puro interest na lang yung ibini-bigay nila sa atin and pag na-late ng payment INTEREST uli.... ang ganda !!!
      Sir Rene aka as the banker is a retired banker, so he knows so much of the banking industry and he is gifted pa with a good sense of humor kaya kahit paano he made life easier for us... salamat po banker for bearing with us...we can only pray for good life to you and the family

      Delete
    3. Sana dati ko pa nakita tong site na to para di ako nagkabaon baon para mag cash loan at ibayad sa creditcard..haist.. baka madami na sana ako ipon now ��

      Eina

      Delete
  41. Banker and Maam Cherrylou nakatanggap po kami ng letter from metropolitan about the decision of my previous case sa bankard, may writ of execution na kaya lang di ako ang tumanggap kasi diba po na operahan ako so ngayon nagpadala uli sila ng decision kasi na denied yung writ of execution kasi di kami tumanggap ...pano po ang mangyayari dito sa writ of execution? alam ko they are after only the money sa banko pro wala na po naalis na namin...pupunta ba sheriff dito? salamat po

    ReplyDelete
    Replies
    1. nope.
      congratulations!
      that means tapos na ang CC problem mo.
      ;-)

      Delete
    2. @wey ferrer, banker is right
      after that, legal counsel formerly the kotong-collector will try to make one last hirit, discounted amt. for one time payment (or poss installment)
      -of course we're not stupid to buy that offer
      -para que, case been filed and decided upon and sorry na lang as we're not keeping bank accounts (wala ngang pambayad sa bloated amts ng cc, bank accounts pa)
      and again family home exempted from execution and ayaw naman ni sheriff (if ever) ng lumang electric fan and crt tv natin...
      -kung sakali me budget si liaison officer ni legal counsel and he was able to get a sheriff, main office lang po ng banks ang pupuntahan nila to look around for bank deposits
      -so chillax lang po, you need precious time to recover from operation and bawal po stress

      Delete
    3. Panu po kung ung panagalan ko po ay naka n/or sa father ko sa bank will they get that?

      Delete
    4. i think so...
      so if you have a decided case for sum of money better na po to close your account
      or if you want, you can always put your money under a trusted relative's account
      -granting na masipag si sheriff to look around for your bank deposits (and syempre kung me pang-gasolina sila kotong-collector na nag level-up maging legal counsel when the bank filed for a case...)
      pls. put username after post
      (madami na po kasi ang anonymous)
      thanks po

      Delete
  42. Tumawag po ako Kay Kernel Gines sa central office po ng taguig po sya nasa kanila po ung warrant na sinubmit po ng court branch 65. Pinatawagan po ako kay Piscal Luiz Martinez may hatol na daw po si judge pingera anguiling kse daw po di daw ako sumisipot sa hearing. Sabi ko po hindi po ako nakakatangap ng subopna or court order. Hindi ko raw po natatangap dahil wala nmn daw po ako sa bahay. Stafa and falcification of documents po daw. Nag file ng complain si abraham ong.tawagan ko daw po para po mag karon ng out of court settlement para po hindi na daw po ako mag papiensa makati jail. Nakakatakot po sila. Panu po gagawin ko?

    ReplyDelete
    Replies
    1. hi medyo nakakalito po yung concern nyo
      you called Col Gines/central office of Taguig...why call him in Taguig when the case was heard in Makati branch 65 ???, dapat po Makati ang tatawagan nyo
      -as per google presiding judge po is henry estacio laron, not heard of judge PINGERA ANGUILING- cute ng name huh...pingera talaga!!! (go to google and pls. type metropolitan trial court and here you will see na updated sya as of August 2016) and why call Fiscal Luis Martinez (as per google this fiscal is based in El Salvador...sosyal huh) and why call the fiscal when me judgement na si judge;
      estafa and falsification of public documents...whoa nag-level up po yung gumawa ng script...malamang sa hindi, if that concerns cc bills/personal loans eh pinapa-ikot lang kayo ng wagas
      -you definitely have the option to ignore or be taken for a ride

      Delete
    2. Kaya nga po sobrang paikot sila. Sabi po nung fiscal eh mag schedule na sya ng hearing so para di na maschedule ng hearing tapos may sinasabi pa na may judgement na at mag babayad na ako sa makati police ng 700k pang piensa daw. Tapus nung lunayo na ung topic tawagan ko daw si ganyan kse pwde pa namn daw po makipag ayus ang tawag po out of court settlemnt.

      Delete
    3. ah okie, i guess si kotong-collector aka the comedians lang yan and what he is telling you is simply bullshit
      so pls. ignore na lang po
      and pls. put username after your post
      thanks...

      Delete
  43. Pasensya na po banker and Maam cherrylou alam ko naman po yung sinasabi ninyo minsan lang naka stress pa din yung white envelope pero dahil may nahihingian kami ng tulong napapanatag kami....salamat po

    ReplyDelete
  44. Naka file na ung case ko nakalagay sa letter MTC Makati br 63 pero nasa Manila office po ung case ko natawagan ko po ung Mtc. Pinapapunta po ako ng sherif para daw po makasagot ako agad ng subpina. Anu po gagawin ko baka po ipitin ako sa piscal.

    ReplyDelete
    Replies
    1. hi, is that for bpi cc, sum of money case will be filed in makati (dun po kasi main office nila)
      sagutin mo man ang summons, mag-attend man ng hearing or hindi
      i-hire mo man ang best lawyer in town
      decision is to pay back bank
      -pag walang pambayad eh di wala
      sabi nga po ni banker di naman pwedeng i-firing squad ang me utang
      so kalma lang po
      -and if you have read the post of problemado who had a decided case in 2009 and creativeminds in 2012, hindi naman daw po nabawasan ang laman ng bahay nila nor nabawasan ang bank account ni creativeminds and di naman daw po nagpa-ramdam si sheriff

      Delete
  45. Tanung ko lang po kukunin po ba nila ung auto / car na nakapangalan sayu pag di ka nakabayad ng credit card at umabot sa courte? How about mga bank account na naka n/or ung name mo will they get it lahit ibang bank un? Salamat po.

    ReplyDelete
    Replies
    1. nope for cars and yes for bank accounts (though payroll acct is exempted as per banker)
      and pls. put username after your post
      salamat po

      Delete
    2. Kahit po naka n/or kmi ng tatay ko kukuha po sila ? Kukunin po ba nila agad or magdedecide pa po ung corte? So ipapatangal ko nalang po ung name sa bank account ng tatay ko.

      Delete
  46. Ask ko lang po pag hindi po nakapunta ng hearing kse ung papel na pinadala nila ay sa office ko which is resign na ako will they have a final judgement na or court order to get sa bank account ?

    ReplyDelete
    Replies
    1. @Per, hi mag-attend ka man ng hearing or not
      court will give decision to pay back bank at 1%/mo or 12% per year from the date na file ang case
      as per brian surewood, na-garnish ang savings account nya without him knowing
      so pag me decided case for sum of money just close bank accounts

      Delete
  47. close the and/or account;
    open under your father's name.

    ReplyDelete
  48. Hi Banker / Cherrylou may concerns po ako sa bpi. I have this unpaid/ unsettled bpi CC 2014 of February last active payment. After masalanta negosyo namin hindi na ako naka bayad ng minimums ever since. 40k amt ng unsettled CC. Bale napunta na sa CA ang case ko po. Pero ignore ko lang mga demand letters dahil wala naman ako pagkukunan na, hanggang sa tumigil na rin sila sa pag bother. Ang problema ko lang po ngayon ay hindi po ako makapag avail ng loan sa mga private lenders dahil nakikita sa system nila na may unsettled pa daw po ako sa bpi. Any advice po? or how can i settle with bpi to clear my records? kailangan ko po kasi ng loan para makapag expand ng negosyo. Maraming salamat po, regards.

    ReplyDelete
    Replies
    1. hi pls. go personally to the recovery department of bpi/credit card division located at paseo de roxas makati and see if you can settle past due with them directly and just tell them if possible you don't want to go thru their kotong-collectors
      -now if they allow you, just make sure na you will be given a certificate of full payment and that your name will be deleted from the blacklisted list
      good luck

      Delete
  49. Hi Banker / Cherrylou may concerns po ako sa bpi. I have this unpaid/ unsettled bpi CC 2014 of February last active payment. After masalanta negosyo namin hindi na ako naka bayad ng minimums ever since. 40k amt ng unsettled CC. Bale napunta na sa CA ang case ko po. Pero ignore ko lang mga demand letters dahil wala naman ako pagkukunan na, hanggang sa tumigil na rin sila sa pag bother. Ang problema ko lang po ngayon ay hindi po ako makapag avail ng loan sa mga private lenders dahil nakikita sa system nila na may unsettled pa daw po ako sa bpi. Any advice po? or how can i settle with bpi to clear my records? kailangan ko po kasi ng loan para makapag expand ng negosyo. Maraming salamat po, regards.

    ReplyDelete
  50. @Anton Expiditus, hi pls. see above for my reply
    thanks

    ReplyDelete
    Replies
    1. Salamat po sa quick response. Appreciated your advice.

      Delete
  51. Hi Banker ask ko lang po kung un writ of execution is kahit hindi nakapangalan sakin un bahay eh ung mga gamit nalang sa loob ng bahay ung kukunin nila eh di namn po akin lahat to.

    ReplyDelete
    Replies
    1. @Layvalog, hi defaulted bank will only be interested in cash or bank accounts under your name
      -no worries about properties

      Delete
  52. Kanina may dumating naka Adventure akala ko kung sinu na.. lumabas naman ako.. un pala si kotong collector ng RCBC Cases Chun Associates 2 girl ang bumaba. Binigay saken demand letter at may 30% off daw sila sa credit ko na 243k...sabi saken call ko na lang daw bank...eh number din nila un...ayun sabay tapon.. wala ako work, I have a heart condition... pinapalakas ko katawan ko bago ulit magwork...pero nagtaka ako first time may kotong colector at naka adventure pa dati naka motor lang.. hmmm

    ReplyDelete
    Replies
    1. @Dennis Summer...wow ha sosyal ang comedians...malamang po kumita na ang agency nila
      -ignore lang po and pls. concentrate on your health

      Delete
  53. Just received a letter from bdo collections dept. dated june 1. My account will be endorse to another CA SYNERGY COLLECTION SERVICES. ms cherrylou, banker and other kadiskarte any comments po regarding this CA kung wagas din po ba sila mag follow up or i can apply same diskarte?

    But just this morning admerex called informing me that my outstanding balance is now 375k+ inclusive of 25% collection fee and i need to pay it in full kasi umabot na daw sa external collection and audit ni bdo and cancelled na daw ang cc ko. (Another scam tactics) Then pwede daw nila irequest kay bdo na ma-waive ang 25% kung magbabayad ako ng minimum due. I told them even if it reaches to million wala pa din ako pambayad. Still hoping magka komisyon kasi matatransfer na account ko sa iba hehhe.. Thanks a lot po

    ReplyDelete
    Replies
    1. @Nancy, hi from what i remember with synergy is sakto lang naman sila, well pag-nag maganda eh patulan din sila in a more civil way
      -talaga lang huh me external collection department pa silang nalalaman... meron di yan HIGHER COLLECTION... lol

      Delete
  54. Hi Banker,

    Good day, thank you po sa site nyo. Maraming pananakot ginagawa ng EWB. I've been calling them since early quarter of 2016 to inform na made-default ako sa monthly payment.

    I repeatedly asked them how to avail sabi nila wala raw program for that. I even went to their main site sa Makati, pinagtabuyan ako sabi sa branch kumausap, pagdating sa branch hindi raw sila nag entertain ng payment arrangement for credit card.

    I was so frustrated, I wasn't given an option. Ung cc ko na dolce vita was actually from AIG then nabili ng EWB na grabe mag interest.

    So nung na default ako naghabol si bank, to make my credit standing clear uli, I loaned from SSS and forwarded the payment to them. Then just a week after that tragedy stuck. My father was confined to ICU, we learned he has stage 4 brain and lung cancer.

    Again nakiusap ako sa EWB, called their CS and go through the process of applying to stop the interest of my dolce vita card and for a payment arrangement. I've sent all the documentation they requested such as hospital bills, prescription medicines and my payslip. Hoping EWB would consider. Sabi ko sa letter ko. I wanted to pay my dues pero may sakit father ko at kulang na kulang ung funds namin.

    Know what EastWest did? They sent a text - DECLINED ung request k. Even worst nag harass pa rin sila ng text and call. Even nakaburol nung na ung father ko tumawag sila.

    Banker I never felt so angry, kung alam ko lang ganito sila katindi ung ni loan ko sa SSS dapat ginamit ko na lang sa Tatay ko. Eh di sana humaba pa buhay na. Now EWB is sending text na magsama raw sila ng baranggay or police for their safety... Ano yun kumuha ako ba ako ng car or house sa kanila?

    Ung amount ng cc ko nasa 20k plus nung nag ask ko ng payment arrangement . Ngayun nasa 50k na dahil sa interests nila. Ayaw nila i-stop ung cc interest. kahit naka ilang ulit ako request ako na at hindi ko na rin ginamit ung card.

    Ngayun for litigation na raw ako kasi hindi nila ko makausap. Banker what's the best legal action to take sa harassament nila? I still would pay pero hindi dun sa inflated amount nila pag na ok na finances k. Na depress po ako after what happened and naka affect sa work ko. I already lost a parent and I won't let their continued harrassment sa kin at sa family ko.

    Thank you po and God Bless.

    Mel

    ReplyDelete
    Replies
    1. @Mel, hi can i just share some thought
      banks will only entertain request for repayments pag medyo defaulted na yung account
      -what to do, ignore lang po the kotong-collectors, now if authorized si ca, nice and fair ang demands and of course me written-agreement...you can request them for a discounted amt. for one time payment (like yung defaulted amt. mo lang-less all the nakaka-lurkey na surcharges
      -now kung struggling pa rin maka-bayad, ok lang po to default and focus on the needs of the family
      -pls. expect the crooks to be a pain in the ass pag newly defaulted, but as time passes by, mababawasan din po paramdam ng mga comedians

      Delete
  55. Hi Banker. Now I received an email from BPI. They will sue in court blah blah blah if I dont make any payment arrangement or continue to disregard their demand for payment. My question is I wanted to reply to their email asking how my CC balance reached 275K. I am willing to settle, its just that, I dont want to be paying something I dont know. Ang valid ko lang na calculation is nasa 80k. Grabe lang. Should I ignore? Pero amazing, alam nila saan ako nagwork and even guessing my email address. We cant run, we cant hide. Haha

    ReplyDelete
  56. Hi Banker and Ms. Cherry,
    Just earlier I received an email from law office telling they will pursue a case if I continue to disregard. I am willing to make payment arrangements. Is it best to reply to their email? Kasi I dont know how it reached to 275k well in actual parang nasa 60-80k lang dapat yong naiwan ko. How do I convince them for one time offer? Ayoko ng kinukulit na ako. Although hanggang email and letters lang sila now.

    ReplyDelete
    Replies
    1. @Goodgirl, hi the crooks will not be able to explain why bloated yung defaulted amt. mo, how long have you defaulted bpi
      -as per my experience, when a bank is serious to file a case, it gonna happen within the first year of being in default
      -tulad ng sabi ni banker, di po pinag-tatagal ang filing of case, bec it is in their policy and the only legal way they can get hold of your cash/bank accounts
      -now you can try going personally to the recovery department of bpi and negotiate for your payment
      -if they allow you...well n good
      -if not, just forget the idea of paying back

      Delete
    2. Thank you, Ms. Che! I stopped the payment October of last year then a collection firm called me so I sort of pay 2500 last January. Then I realized, as soon as binayaran ko sya bumabalik sya sa bank at wala nang nagpa follow up. So inistop ko ulit ang payment. I heard kasi they wont Allow restructuring pag medyo bago pa lang nag default? Oh well.. I think I'll just disregard nalang muna. Thank you!

      Delete
    3. @Goodgirl, yes pls. stop feeding the greed of the comedians ad focus on more important things

      Delete
  57. Hi po Banker and Ms. Cherrylou. Yung RCBC ko, inistallment ko na total amount due ko, payable sya ng 2 yrs. 11,000 na lang balance ko. Gsto nila bayaran ko ng full. Sabi ko tuloy ko na lang yung sa installment plan ko since konti na lang balance. Nung una ayaw nila pumayag. Hanggang sa napilitan sila. Kaso may mali po, eto txt nila:
    Ms. --- kung hindi mo kaya bayadan ng 1time payment yun.11,638.80, mag semi monthly instalment kana lang. your remaining balance as of today 20,783.56 payable po ito ng 9 months ang monthly payment mo is 2,309.28 starting June 15, 2017 up to April 15, 2018. This is Ms. Melanie, Litigation Dept of Alexis A. Molaer Law Offices.
    Kung payable ng 9 mos. dapat until Feb. 2018 lang po. Kung gsto ko na po magbayad ng installment ng d ako masscam, kanino po ako pwede makipag-usap? Kasi sa isang bank (ps bank) nadala ako. 2x na ko nagbayad ng 10k d nababawas sa utang ko, mas lalo pa pong lumobo. Gusto ko po tlga mabayaran ng installment pero ayoko po kausap ang mga kotong collector na yan. Wala po ako kasiguraduhan kung macclear talaga utang ko if nakabayad ako sa kanila. Salamat po.

    ReplyDelete
  58. Hi Banker and Ms.Cherrylou, I have defaulted card under HSBC, hindi ko po sya nabayaran by 2015 and niw umabot na sya ng 158k. before po nakatanggap ako ng calls and mails from Alexis Maoler, ngayon naman po itong Prime Alliance ang tawag ng twag tapos naninigaw yung CA na si Eva Malabanan, may tumawag din po sakin na number,same nunber nung kay Eva malabanan,but this time sya naman daw po ay Supervisor na Si Coleen, binigyan po nila ako ng until today na magbayad ng 59k na lang or kahit 15k initial daw po, kaso di ko po talaga kaya. Pag di ko daw po nabayaran idederetso nila sa letigation yung account ko. Ang kinakatakot ko lang po kasi ay yung may magpunta sa bahay or sa office na may dalang police or baranggay, possible po bang mangyare yun? Thanks Po.


    -Cezsca Reffiele

    ReplyDelete
    Replies
    1. @Cezsca Reffiele, hi fyi hsbc is not filing for a case
      parmi is rude, style nila mang-harass ...like speaking in higher do (pls. google prime alliance and see what i mean)
      -walang concern si kapitan/kapitana sa cc issues lalo na ang mga pulis-patola
      again pls. learn how to deal with the ca
      -they used to handle my account and wala silang napala sa akin... i-harass mo ba ako!!! masaya kahit singkong duleng di sila makaka-tikim

      Delete
  59. Hello po Banker and ms. Cherrylou.
    Thankful po ako at nahanap ko tong blog na to at malaki tulong sa amin lahat. Ask ko lng po si RCBC po ba is notorious mag file ng case??? 4mons past due date po ako sa cc ko. Any advice po??
    Thanks
    Czaryna

    ReplyDelete
  60. @czaryna, unfortunately yes
    but filing of case will depend of the defaulted amt., but konte lang i guess di na magba-bother si bank to file a case
    sayang ang effort to file the case...sayang ang filing fee and the money na ibabayad nila sa legal counsel

    ReplyDelete
    Replies
    1. Hello po ms Cherrylou thank you po sa quick reply.. Bali 40k outstanding balance ko.. Since 4mos ako past due umabot po ng 8k na po babayaran ko. Kaso hindi ko pa po mabayaran ksi po nawalan ako ng work ngaun so hindi ko pa mababayaran. Lagi may natawag sken ska dumarting na sulat, hindi ko na po masagot ksi wla nmbpo ako pambayad first tym ko po hindi makkabayad naiyak na nga po ako kung san ako kukuha ng pambayad. Ung huling txt po sken..

      FINAL WARNING!
      Legal Advisory
      Please be informed that your RCBC bankard was endorsed to the office of atty. PALIS FOR LEGAL REVIEW.
      Despite repeated follow ups thru calls,sms,letter it remains UnSETtLED. To avoid all legal actions that may be filed against it.and shed. Visit on your res. And office add by the credit investigator with the asst. Of the brgy official.
      Ano po gagawin ko ms Cherrylou makakaroon na po ba ako ng kaso?
      Please any advice. Natatakot pi ksi akona may pumunta dto sa bahay..

      Czaryna

      Delete
  61. We are the legal arm of ERJ Collection Management and Consultancy Services. (ERJ Collections).Please be informed that your above-subject account has been endorsed to us for possible legal action.

    Please be reminded of the several collection demands made against your person via telephone calls and or letters. Your deafening silence and continuous inaction to our collection demand tantamount to an arrogant display of unjustified rebuff to a just and demandable obligation to our client.

    Moreover, as a stern legal warning, we strongly ADVISE YOU NOT TO DISPOSE, SELL, TRANSFER your real and /or personal properties which could otherwise, be conditionally and officially listed downu by the court sheriff, nor to WITHDRAW your bank deposits and / or your salaries and wages, if any, in the event, a case can be filed and a Writ of Preliminary Attachment has been issued by the court and then properly served upon you, under pain of Contempt of Court.

    Settle immediately so that you can avoid the hassles of going to court as a consequence of any civil case that may be filed against you. Please take heed this fair and final warning.

    Totoo po ba ito?��


    ReplyDelete
    Replies
    1. Marian Rose Borja, hi just delete the sms
      lumang scam na po yan ni kotong-collector
      pls. focus on basic needs and hang around to be aware sa galawan ng mga comedians

      Delete
  62. AngelWings

    Good day!
    May defaulted account po ako sa EWB and Metrobank, may experience na po ba kayo dito na nagfile na sila ng cases sa court like sum of money? sa email lang po kasi kami nag-exhange ng information and nawala na po yung dati kong number na kinokontak nila. Nasa tig 30k lang po actual kong utang, at ngayon, 100k na daw sa EastWest at 50k na sa metrobank.

    Isa pa pong question, kapag po ba nag-loan ako sa GSIS, since govt employee ako, madidisapprove po ba dahil defaulted ako sa 2 kong credit card? or hindi covered ng CC ang Pag-Ibig at GSIS/SSS? Salamat po banker and Ms. Cherrylou. Sana po ay inyo itong masagot

    ReplyDelete
    Replies
    1. Angelwings, hi no need to respond to the emails of the comedians
      -the more you will just encourage them to make contacts with your account...
      no postings yet bout mcc and ewb filing for a case
      defaulted cc bills has no effect on gsis loans
      -you are borrowing money against your monthly contributions

      Delete
  63. Good midnight ms. Cherrylou and Banker. Gagagwin ko pong itemized ang questions ko para madali. These questions keep me awake still dahil isa rin po akong credit cards defaulter. Way back 2007-2008, i had 3 credit cards namely, PCI Equitable, Metrobank, Standard Chartered. Matataas ang credit limit nila, around 100k-200k. As like others, something catastrophic happened in our lives during last 2008 at hindi na ako nakapagbayad sa lahat, namax-out ko pa lahat, naharrass na rin ang pamilya ko paulit-ulit sa mga demand letters and calls, at hanggang ngayong 2017 ay standing debts ko ang mga eto. Ang mga tanong ko po ay eto:

    1. KUNG SAKALI na mabayaran ko po ang lahat ng utang ko, maki-clear na po ba ang pangalan ko sa credit blacklist ng mga banko?

    2. My SCB utang is complicated. Un po kaseng agent noon, hindi po kami maiisyuhan ng credit card kung hindi po namin ia-avail yung 100k na loan program. At dahil tanga-tanga pa ako noon at sa encouragement din po ng officemates ko, nagsignup po ako sa loan na yun. Ung loan ay payable ng post-dated checks. So nag-open po ako ng checking account sa PNB at nag-issue ng 24 or 36 (di ko na matandaan) checks payable sa SCB.
    Noon pong nagkaproblema ang pamilyq, isa rin po eto sa mga hindi ko na nabayaran, along with the maxed-out credit card ng SCB. Ang nakakapagtaka lang po ay bakit hanggang ngayon, hindi ako kinokontak ng SCB or PNB sa loan na ito.

    Ang tanong ko po regarding dito ay:

    2.A. Pwede po ba akong ipaaresto o makasuhan o makulong dahil sa mga post-dated checks na inissue ko sa SCB?

    2.B. Idedemand po ba ng SCB na bayaran ko ang full amount na nakalagay sa mga post-dated checks na yun? Hindi ba ako mabibigyan ng chance for amnesty program?

    2.C. Ano po ang mga pedeng solusyon sa kaso nitong loan na ito with SCB?

    3. Makakabili po ba ako ng properties like rent-to-own house or hulugan na car kahit defaulter ako?

    4. Wala po bang chance na mabura ako sa database ng mga defaulters? Kung meron po, ano-ano po ang mga un? Mwron din bang maximum number of years na mabubura ako sa credit blacklist ng mga banks?

    Thank you in advance po sa mga sagot ninyo. Pasensya na po sa haba at kakulitan ng aking mga tanong.

    ReplyDelete
    Replies
    1. @ancientdragonfly
      1. granting that you have paid all the defaulted accounts, getting you off the blacklisted list will depend on the bank
      -that is if they are that efficient in making reports with cic
      2.nope, if banks were serious to file a case be it criminal or civil, it should have happened looooong ago (di po pinag-tatagal ang filing of case)
      -fyi creditors are just given 10 years to collect
      3. nothing to do with scb
      4.wanting to be deleted from the list is if you still want to avail of cc/loans in the future
      -but sa totoo lang, you have survived the past years on cash na walang worries whatsoever
      -ako po, sobrang regret ko why i availed of those creditcards...halos sila po ang pinayaman ko for a good part of my life...

      Delete
  64. @Ms. Che - Good day, thank you po sa pag sagot nyo sa concerns ko. I'll just focus on bumangon muna and be stable ung finances ko. Suko na ko sa unfair practices ng EWB and their CA. Naka document naman ung mga requests and transactions ko regarding sa pag ask na to stop ung pag earn ng interest ng card na hindi ko ginamit since 2016. Despite their continued harassment, I know my right. Thank you sa pag help sa min. God bless. -Mel

    ReplyDelete
  65. Hi im about to default my bpi card kz po medyo nag ka finance problem po sunud sunod ang gastos, dko na kayang bayaran.. Mga 120k pa po balance ko.. Kinakabahan lang vaka kasuhan nila ako ng sum of money, payroll ko pa naman ay bpi, please help!
    Mark

    ReplyDelete
  66. @Mei, most welcome
    yes pls. focus on your basic needs, crooks will come and go so di po sila dapat seryosohin
    and may God bless you too

    ReplyDelete
  67. @ms. Cherrylou, thank you so much for your reply! Just a follow up on getting my name off the blacklist. Yes, i want po sana to know of ways to do that kase in the future, i would like to get hulugan na car na pedeng i-uber or grab car pandagdag ng source of income. I am also thinking of getting rent-to-own house kesa mangupahan ako forever, eh usually kase bank loans ang mga eto diba?

    I have been on cash for 9 years now and i have seen thw disadvantages ng nasa blacklist. One of them is hindi ako makapag-apply sa mga financial and legal outsourcing companies kase nagsi-CI sila kaya basura agad ang application ko...

    Anyway, i'm also curious ma'am Cherrylou how you were able to deal with the bank mismo to clear your debts. Sa case ko na 9 years na ang nakakaraan mula nung nadefault ako, diba irerefer lang nila ako sa collectors so hindi rin lang yun garantisado na pagkatapos kong bayaran ang lahat ng kautangan eh maki-clear ang name ko sa blacklist?

    Lastly, kung sa bpi at rcbc ay wala naman akong credit cards sa kanila at "clean" naman ako, makakapag-avail kaya ako ng loans (if ever) kahit na defaulter ako sa equitable pci, metrobank, and standard charter? And if ever magloan ako sa bpi or rcbc, matitrigger ba or malalaman ba ng other banks na pinagdefaultan ko na nagloloan ako?

    I learned a tough lesson sa pagdedefault ko 9 years ago. And until now, palitaw litaw parin ung sa bdo kase hawak nila ung equitable pci. Mahirap na blacklisted ang credit standing, at mahirap rin na laging cash ang transactions ko kase parang ang liit nf mundo ko. This is one reason kaya gusto ko sana malinis ko na ang credit standing ko with effective ways na hindi rin naman kami mamumulubi especially since solo parent ako. :-(

    Again, thanks in advance for your reply, and thank you also for giving me hope especially now nangungulit si bdo sa parents ko pa.

    ReplyDelete
  68. Hi Banker,

    May defaulted CC po ako sa Uae, tapos ang telan law Law po ay tumawag sa ail. Sinabi ko po nag kaya ko bayaran ay 20, 000 aed which is the defaulted amount but within 2 years. Sabi ko din po wa sa email na wag na ako tawagan sa work kasi i will deal direct sa bank. Nag email na po amo sa bank informing na im willing to pay but asking for a payment.scheme and i want to deal.direct with tbem not with the agent. Nag reply naman po ang bank. Last na reply is magkano ba ang kaya ko i down. Tapos sabi ko po kaya ko monthly 833 aed . D pa nag reply ang bank. Din itong si Joy canonigo tawag ng tawag sa ofc, nagkataun naka annual leave ako , kala siguro tinataguan ko, whatsapp ng colleagues ko sa aken na whole day daw tumatawag tapos hinihingi number ng boss ko. Nakausap din niya ang boss ko. At nag email na hindi siya titigil na tawag sa ofc hanggat akoy mawalan ng work . Sinabi nag email ulit ako na magdeal direct ako sa bank ay wag na ako contactkin, d ako na ka pag reply ng email kasi out of town ang leave ko wala masyado internet connection. Tapos nag email sa akin na ano ba daw ang dPat nya gawin para magbayad ako. Susulatn mya daw ang HR gagawin nya daw talaga pag d ako nagbayad. Eh sinabi ko na naman sa kanua na nagnegotiate kami ng bank at i will inform her kung aning napagkasunduan. Gusto ko talaga sa bank direct magbayad. Nag reklamo na rin ako sa Bsp but wala pang reply. Ano po ba ang dapat ko gawin. Sana mapayuhan mo ako banker.
    Salamat.

    Cielo

    ReplyDelete
  69. Hi,
    I've learned a lot from the blog. Let me start by saying thank you! Newly defulted here with 800k cc balance with citibank. Thinks that i want to know po:
    1. Can i just choose to ignore calls and sms? Put them all in blacklisted in my phone?
    2. I do not have plans on settling it as I do not have the amount to pay even the minimum. Although I tried to negotiate an amout pero they dis not accept. Ok lang ba yun?
    3. Planning to tranfer to a new job in case na they get hold of info with my current. Good or bad move?
    4. I have a pag-ibig housing loan. Any effect?
    5. Worst thing to expect? Apart from harassment and all. Legal matters to be aware of and prevent?
    Hope may clarity. Thank you!

    - Newly Defulted.

    ReplyDelete