Friday, August 11, 2017

Salary Garnishment


Bawal po ang salary garnishment. only other deposits lang po.
Yan ang batas.
alam yan ng banks, except Metro Bank due either to greed or clueless lang.
the main argument:

" gusto mo bang patayin ang tao sa gutom?"
simple logic. simple morality.

172 comments:

  1. Dito ko nalang post reply/advice ko din kay Stressed-out Mama.

    Sa akin sa HSBC ko Molaer din CA na nangungulit sa akin. Same din sa iyo offer din nya ako ng "amnesty", I don't expect na friendly sa defaulters ang terms nila kaya sinabi ko sa mga kolektors nila hindi ko talaga kaya magbayad sa ngayon.

    Kaya ayan yan na mga pananakot nila kesyo ganito ganyan gagawin sa akin, ang reply ko nalang eh sige gawin nyo magdemanda.

    Kaya advice ko din sa iyo wag mo na pagkakausap mga yan. Since nagbigay kna yata sa Saulog, charge to experience na din, isipin mo nalang nauna kna magbigay ng abuloy sa lamay ng kolektor na yan hehe!

    Seriously, there would be more more at more CAs na kokontak sa iyo at mangungulet. Wala naman sila magagawa kung ndi natin kaya magbayad eh.

    ReplyDelete
    Replies
    1. @IamWhatIam_15, maraming salamat sa advise. Although naniniwala akong empty threats lang mga yun, ninenerbiyos pa rin ako. Sasabihin ko na lang uli sa Saulog na before I resume payments, kailangan ng written agreement. At yung SOA from the bank magiging basis namin kasi nga verbal lang usapan namin. Paninindigan ko na NO SOA, NO PAY. Which sabi ng ibang blog na nakita ko bago itong kay Banker, hindi sila makakaproduce kasi nga written-off na yung utang ko sa kanila. Totoo po ba yun? Ganun na din siguro gagawin ko sa RCBC. Tama po kaya yung gagawin ko :( Pasensya na makulit ako. God bless po sa ating lahat...

      Delete
    2. @IamWhatIam__15 Si Stressed-out Mama nga po pala ito, concern ko yung sa Molaer at Saulog na hinihingan ko ng SOA para maka work out ng written arrangement. Forgot to give my username.

      Stressed-out Mama

      Delete
  2. hello po banker & mam cherrylou.. ask ko lng po defaulter din po ako ng metro bank last oct 2015 pa po. Gusto ko na po snang bayaran khit installment po sna. San po ba ung recovery dept ng mcc? Sino po pwd kong mkausap regarding sa payment arrangement. Las month narecib ko po letter Sobredilla na po may hawak ng account ko. May offer po sila na one time payment d ko nman po kya byaran.. Willing nman po ako mgbayad installment lng po sna.. tnx po! God Bless po!

    ReplyDelete
    Replies
    1. https://failuretopaycreditcard.blogspot.com/2017/07/afraid-of-being-sued.html

      Delete
    2. @Honey, hi if i am not mistaken along ayala ave. ang mcc creditcard division
      you can talk to anyone in authority, pag pumayag and sabi nga friendly ang terms...well and good
      but if they endorse you again sa mga comedians...just forget the idea of paying back now and defer na lang at a later date pag ok na ang finances and focus on basic needs
      -these crooks will come and go...some are nice while others maybe a bitch...so di po dapat seryosohin
      happy weekend...

      Delete
  3. August 4, 2017

    URGENT: NOTICE OF CASE FILING
    CARD NO.

    Mr./Ms. ;

    For your serious consideration and guidance, the written DEMAND for payment, SMS to your declared mobile number, private messages, field visits and all other means of communication made for the settlement of your due and demandable obligation to our client, Eastwest Banking Corp., have been unjustifiably and maliciously ignored, hence, our said client has FINALLY DECIDED to file in court the appropriate COMPLAINTS against you.

    Should the foregoing be brought in court, there is a possibility that the presiding judge may issue a writ of preliminary attachment, cause the COURT SHERIFF to preliminary, LEVY, ATTACH, or SEIZE your real and/or personal properties or GARNISH your salaries and/or bank deposits not to mention possible violation of the ff:
    1. Civil case for sum of money.
    2. Criminal case for violation of R.A. 8484 otherwise known at the Access Devices Regulation Act of 1998.
    3. Blacklisting with Bankers Association of the Phils. (BAP)
    4. Blacklisting with Credit Management Association of the Phils. (CMAP).
    5. Blacklisting with Credit Card Association of the Phils. (CCAP).
    6. Blacklisting with ALL FINANCIAL INSTITUTIONS IN THE PHILS. TO ENSURE NO LOANS WILL BE APPROVED UNDER YOUR NAME.

    Needless to say, any of these legal actions will entail considerable expenses on your part and will definitely have a negative impact on your credit standing, not to mention the inconveniences of having to attend these legal matters.

    Therefore, LAST AND FINAL NOTICE is hereby made upon you to pay our client, the APPROVED AMOUNT of Php19,000.00 on or before August 11, 2017 otherwise, we shall lose no time in filing the proper civil cases against you to protect our clients interest and charge you the total outstanding balance of Php111,879.62 plus 25% due as attorney’s fees, as well as damages as the court may deem proper.

    However, upon full payment, we will request your blacklisted name to be upgraded in the records of the Credit Information Bureau such as; Credit Management Association of the Phils.(CMAP), Credit Information Bureau Inc.(CIBI), Bankers Association of the Phils.(BAP) and Credit Card Association of the Phils.(CCAP) as to reflect as fully settled or zero balance.

    We are strongly advising you to call our legal officer Ms. LAILA KUNZ at (02)921-1147 / 0915-554-0786 / 0999-534-2168 or email us at email@cabiolawassociates.com or lgkunz@cabiolawassociates.com for better assistance.

    Regards,

    LAILA KUNZ
    Legal Officer

    -Hi banker Ive been ignoring the previous email of this Law firm. Because I have read from your previous blogs that this are all lies. But now they sent me this I am afraid that they will pursue with the case. Can you help me if this things are real?

    ReplyDelete
    Replies
    1. Kepleng,
      e-mail messages- simply press delete para iwas stress :-)

      Delete
    2. echusera lang yan hanap ka ng Laila Kunz sa FB kung may makita ka na matinong profile!

      Delete
    3. Hello po..ask ko lang.. gaano katagal na po kaung defaulter and mgkano po a ng utang nyo?

      Delete
  4. Hi DAISY here! Share ko lang po letter AIQON, now ko lang nabasa s email ko kasi nasa spam, take note ha .. sa AIQON na ako may utang at hindi na sa Standard Chartered Bank! unless nabili na ng AIQON ang SCB????? hahahaha

    AMNESTY PROMO FOR STANDARD BANK ACCOUNT


    PERSONAL & CONFIDENTIAL

    Date: August 04, 2017 WITHOUT PREJUDICE

    Our Ref : 193825

    Dear Valued Customer

    OUTSTANDING DEBT WITH AIQON UNICORP INC. (Standard Chartered Bank)
    OUTSTANDING BALANCE: PHP. 104317.19

    We are offering discount up to 80% with Php.500 pesos 24 months monthly arrangement or one time payment up to 95% on your Standard Chartered Bank Account.

    For further information, contact the person and telephone number stated below if you are qualified as this promotion is valid till Aug. 15, 2017.

    Take note:- All amount are strictly subject for approval.

    DON探 MISS OUT THIS OPPORTUNITY! Call the numbers below to check whether you are selected for this promo!!!

    Contact Person : Mr. STEVEN
    Contact No :(02) 485-79-79 loc. 204 or 09157917267 / 09215870796 / 09254912452
    Email : enquiry-scb@aiqoncapital.com.ph

    We appreciate if you can provide your contact details and the assigned Credit Management Officer will be contacting you to explain further in regards to the offer.

    Your credit bureau records will be recorded as "Negotiated Settlement"

    PROTECT YOUR CREDIT - PAY ON TIME

    This is a computer generated email and does not require an authorized signature. The granting of discount and the quantum thereof is at the sole discretion of AIQON.

    P/S: If you have recently made any payment on this account kindly DISREGARD this email and please call us with your payment details.

    P/S: All the discount given are absolute discretion of AIQON Management.

    ReplyDelete
  5. malapit ba ang basurahan dyan?
    lol!

    common sense - why don't they simply file it?
    dami pa nilang threats.
    why?
    because they won't ; they don't ; they can't!
    dare their bluff.

    ReplyDelete
    Replies
    1. @banker - tumawag ulit, sobran kulit talaga, alam nyo po kung ano ginawa ko, eto binasahan ko neto: QUIERO DESPIRAR tu cuello DESPACITO Deja que te diga cosas al oído Para que te acuerdes si no estás conmigo. hahaha ang tawa ko talaga nung bagsakan ako ng phone! - DAISY

      Delete
    2. eto next mo gawin ateng! sagutin mo tawag tapos wag ka mag sasalita yaan mo lang sya pakinggan mo sasabihin maglilitanya yan magisa... malalaman mo gaano sya ka inis matatawa ka

      Delete
  6. Hi po banker and ms cherrylou,

    I missed my payment with unionbank last week which I intend naman to default na talaga. I just received an email from ADMEREX na requesting payment in behalf of their client unionbank. Questions po:
    1. Since nag email po ang admerex ibig po ba sabihin na automatically na endorse na account ko sa collection agency?
    2. Kung na endorse po to sa admerex ibig po kayang sabihin di na interested mag file ng case ang unionbank?
    3. May idea po kayo sa reputation ng admerex?
    4. Any post or news po na ang unionbank nagpa file ng civil case against defaulters?

    Maliit pa po sa ngayon ang balanse ng unionbank ko kc di pa po na charge ang kabuuan ng 500k cash intalment loan na nakuha ko sa 2 cards ng unionbank na wala namang pdc.

    Salamat po
    -Assassin

    ReplyDelete
    Replies
    1. the amount is inconsequential.
      doon na lang ninyo pag-usapan ito sa korte.
      in the end, if you have nothing to pay,
      that's it!

      hinde ka naman puede i-firing squad.
      lol!

      Delete
    2. @Assassin, hi there are banks na if you missed one payment, kotong-collector agad ang magpa-follow-up ng payment (like bdo and bpi) but once you make a payment, said account will be current
      khit po endorsed sa mga comedians, bank still have the option to file a case, bec. it is in their policy and the only legal way they can recover their money (kung merong money si defaulter...but common sense will dictate na kaya nga defaulter kasi kulang na ang budget and di naman trip-trip lang na di magbayad)
      admirex ??? in my account before sakto lang (di naman ako nagka-heart-attack)
      -like parmi and casas... boy i really had a palpitation sa sobrang BASTOS ng mga c/a nila... eh mga bobo at boba naman...so kahit afford ko na yung "offer" nila promise kahit singkong duling di sila makaka-tikim
      no postings yet bout ubp filing for a case...
      and banker is soooo right, no big deal bout sum of money case

      Delete
  7. Hello po banker and Ms Cherrylou,

    may alam na po ba kayo na case filed by MCC?

    salamat po!

    kasi ang iba ibang klase na po law office sumusulat sakin baka po tuluyan nako nakakatakot hehe

    ReplyDelete
    Replies
    1. vanessa,
      kahit ilang office pa yan
      kung wala pam-bayad, tapos ang usapan :-)

      Delete
    2. Paepal lang po... Namiss ko din makipag chikahan dito eh! deadma lang teh! may MCC din ako!
      3 years na, di pa naman ako nakasuhan, salamat kay God at sa mga tao dito!

      FYI ah! Consistent pa din ang padala ng Email ni MCC ng BILL!

      Delete
    3. @Vanessa, hi yes chill ka lang sa mcc
      -promise there will come a day ang makaka-miss sa comedians ng mcc
      @Rey A., hi yes you continue to receive the soa, bec. it is system-generated
      -try to deactivate you EMAIL and baboo with the statement of accounts
      looking forward to see you vanessa and rey a. in november

      Delete
  8. Hi po Banker,Ms. Cherrylou, Dhastan and lahat ng tumutulong sa blog na ito.
    I'm a cc defaulter po and also had personal loans sa mga banks where I issued personal checks. HIndi ko na po nabayaran sila I think back 2012 pa yung huli nung nagresign po ako sa work and lumipat po ng tirahan. Hindi ko po alam if pinadalahan ako sa dati kong inuupahan ng mga letters or summons/subpoena pero may nareceive na po ako demand letters from CA before ako lumipat. Ngayon po, plano ko ulit mag-apply ng work kaya lang natatakot po ako mag-apply ng NBI clearance dahil baka hindi nila ako i-clear or worse, hulihin po ako. Nag-issue po kasi ako ng cheke previously na most likely nagbounce kasi na-close na po account ko before. Palagay nio po ba, maapektuhan ang pag-aapply ko at pagiging cleared sa NBI clearance dahil sa mga utang ko before? Lalo na po automated na ang NBI application, baka po may something na naka-link as defaulter or may issue about bounced checks. Marami pong salamat sa sasagot. God bless po and more power!

    ReplyDelete
    Replies
    1. when there is a "hit" on your NBI clearance, you will be ask to return and prove that the case/s has/have been settled. no automatic arrest.lol!

      Delete
    2. so banker pag hindi po na-settle or i don't have any proof, hindi po ako mabibigyan ng clearance and hindi ako makakakuha ng work? =(

      Delete
    3. depends on the hiring company.
      the BIR clearance will only issue what is the data available e.g. BP 22 and under the remarks portion - settle or whatever.

      even if the BP 22 case has been dismissed, if the hiring company says - you cannot be hired, wala tayong magawa, irregardless of your reason/s.

      the best way though is just get the NBI CLEARANCE muna. one step at a time.

      Delete
    4. @serenity, hi yes kalma lang
      and sa totoo lang for me big commercial banks will not bother to file bp22 case
      -and sabi nga ni banker small time lending companies or 5/6 banks ang mahilig mag-maldita bout the bp22/estafa case

      Delete
  9. Hello! Thank you sa mga admin dito nasurvive ko ang stress sa nga ca's.. im now working here in uae and slowly getting my life together. May offer sa akin na credit card ulit galing citibank dito sa uae. Naisip ko accept for emergency purposes lang naman. (Learned my lesson) Ang question ko po is nakikita ba ng citibank dito sa uae na delinquent ako sa Pinas?

    ReplyDelete
  10. Hi Banker. I would like to ask lang po kung may pag-asa pa bang mabura ang name ng mga defaulter sa listahan ng mga banks (o kung anuman po ang tawag duon)? Salamat po.

    ReplyDelete
    Replies
    1. Ms Donna, hsbsng may buhay, may pag asa naman hehehe pero ako po hindi na umaasa pa. Sa bahay mo nalang itago ang dinero mo sister. Worry free ako, kung yan lang kahihinatnan ng pagiging defaulter ko. No loan, no cc, no bank deposit. Tao lang po tayo at may mga bagay na hindi natin maiiwasan at nangyayari. Being a defaulter is not d end of our journey, mahalaga yung lesson learned.Magmukmok man tyo habambuhay eh hindi natin maibabalik pa kung anuman yung nawala. Just keep d faith , move on and chill------Scorpian

      Delete
    2. Thank you Scorpian. Actually po, okay lang naman sakin talaga kahit walang cc forever. Ang masakit lang po talaga wala akong chance na makapagwork sa isang bangko, may gusto kasi sana magrefer sakin. Kahit daw po magpakasal ako at mabago ang name ko hindi pa rin daw po ako matatanggap. :(

      Delete
    3. wala namang forever.lol!
      try before you quit.

      p.s.
      working in a bank is only "glamour"
      your salary is just enough to buy things
      to maintain your image as an "honorable banker".

      better be an entrepreneur.
      believe me.

      Delete
    4. Tama po c banker... Better be an entrepreneur.. Ako im working sa bank for 10years and masasabi ko... Ummm...di ka makakaipon... Heheh. Kc kulang pa sweldo mo sa needs mo pwera pa ung "maintenance" mo sa image mo as a bank employee.. Galing tlga ni Banker. Hehehe
      Just sayin...

      Delete
  11. Hello po! paadvise naman po, nag bounce kasi ung check ko sa psbank for citicredit loan. then nkapagbayad naman ako agad after 2 days. may emergency kasi kaya inuna ko muna. ngayon since laging below maintaining balance ung check nag closed ung checking account ko and prior dun may fees na din ako for bouncing check. pano po kaya un? ung loan ko sa citi binabaydan ko naman, kaso panu un naka PDC kaso nag closed ung account?

    thanks!

    ReplyDelete
    Replies
    1. @Carlo, hi first of all request from the account officer na pwede mag-handle ng account mo that you will pay in cash over the counter and tell him na closed na kasi yung checking account mo, then account will request you to pay a number of days prior to the due date of your check (i think mga 10 days in advance ang payment mo, to give them enough time na ma-pull-out ang pdc mo)
      -in my experience, after making payment i need to call the account officer and request pull-out of pdc
      -yes medyo hassle lang, but yun po ang procedure nila
      (not sensible naman kasi to open another checking account, as you need to put-up an amount na nsa 10-20k na yata...
      -carlo if poss just make all the arrangement in black and white if poss.
      good luck

      Delete
    2. should read...then account officer will request...

      Delete
    3. Thanks po Ms.Cherry Lou. Hindi naman po siguro nila ipapabayad ung remaining loan? hehe

      Delete
  12. Hello Banker and Everyone!

    I'm back at di pa naman ako nakukulong!!! Busy lang sa paglilibot at pagtratrabaho...

    May tanong lang ako...

    Ilang months ba bago magfile ng case ang bank for loans na ang bank mismo ang nagcancel pero binabayaran mo naman, fyi, nagcancel si Bank ng loan dahil sa may CC na cancel na. Nagulat ako sinisingil na ko ng remaining eh... pinopondohan ko naman ang check tapos magulat ako biglang nagbayad ako pero may charge pa na eklavu, babalu at chenelu! so bale wala yung binayad ko... sa 2900 na bayarin napunta sa charge ang almost 2K...

    Pero may mga Lawfirm na nagpapadala ng loveletters and emails... Haba ng hair ko, feeling ko ang cute nung nagpapadala ng sulat ang gaganda ng name tapos hinanap ko sa fb baka sya na forever ko wala naman ganung tao or minsan mukhang DOM na taga ibang bansa! Yung iba tumatawag pa ayun deadma... pero ayun nga di pa naman ako nakukulong at hinihintay ko talaga yung case at dun na lang ako aattend dahil babayaran ko naman yung loan ayoko lang ng ginawa nila na binabayaran ko na nga kinancel pa... pero feels like forever na paghihintay ko...

    salamat sa sagot

    ReplyDelete
    Replies
    1. @Rey Anderson, hi citibank ba yan... siguro mga within 2 years
      now if that is what you have been telling me before (on private emails...) ewb... mga 48 years ...lol

      Delete
    2. wait pa ko ng patawag sa court eh thanks po!

      Delete
  13. Magandang Araw po sa lahat

    Nagsimula na po ako mag default sa apat kong cards ngayong august. Dalawa po dun les than 100k, dalawa more than 200k. Nagsimula na po tawag ng tawag di ko po sinasagot, last week nag email na ang admerex.
    1. Kelan po kaya ako makasuhan kung sakali sa small claims court? Since default ko star ng august abutin po kaya ng ilang buwan bgo sila magsampa dun sa SCC?
    2. May kotse po kc nakapangalan sa akin binebenta ko na po sya last week pa kaso wala pang buyer. In case na masampahan na po ko sa SCC pwde ko pa po bang mabenta ito?

    Salamat po sa makakatulong sir banker at ms cherrylou at sa iba po.

    -Assassin

    ReplyDelete
    Replies
    1. Hi Assassin! Depende po yan kung yung defaulted bank mo eh magsasampa ng kaso, mas madami yung hindi n nag aaksaya p ng panahon at mga CA nalang tyo pinapasa. Kung may decided case po, just don't keep bank deposit, mas gusto po ni bangko ng cash. Filing a case means d end of kotong kolektor at pg wala pambayad, d wala lol----- Scorpian

      Delete
    2. @assassin, hi if defaulted banks are bpi, citibank, bdo?, rcbc mga within 2 years and depende sa amount, if konte lang si kotong-collector lang po ang mag-paparamdam
      now don't worry bout your car...sa totoo lang the worst that the sheriff can do (if not so busy and me pang-gasolina) is to put lien on your car, meaning di pwede ibenta without paying the creditor... and hassle po yun sa sheriff na sobrang busy with workloads

      Delete
    3. @cherrylou and banker.hello po.pls paki share po more about sheriff and writ of execution. Kelan kadalasan lumalabas ang writ of execution..at mahihila po ba gamit sa bahay ng sheriff?

      Delete
    4. worry ONLY if you have deposits.
      other than that.....
      wag mo na pansinin yung ibang bagay.
      lol!

      Delete
    5. @loorie, hi as per my personal experience with bpi and bankard, writ of execution was approved after 2 years
      if ever me pang-gasolina si sheriff courtesy ng defaulted bank he will only look around for your bank deposits (as confirmed by a liaison officer of a collection agency, actually our corporate lawyer)
      and sabi ni banker this will go on for the next 5 years (pero kahit ako kotong-collector i won't bother that much mag-hanap)
      old-stuff sa bahay is safe, no time for sheriff mag-ukay-ukay ng lumang electric-fun, crt tv sets etc...
      family home is exempted
      -sa akin nga, huling hirit discounted amt. for one-time payment or can do 12 months (though this time di na sila masyadong makulit...unlike before sabi ni comedian tatanggap daw si bankard ng second-hand na i-phone (soooo pathetic huh, syempre nag-maganda lang si bobong collector, walang masabi na matino...lol)

      Delete
    6. Thank u po banker at ms cherrylou. Di lang talaga maiwasan matakot at d makatulog. Pag may writ of execution na po ba ano agad agad mangyayari? May iba kc na nagsasabi atty pa na pumupunta daw talaga ang sheriff sa bahay ng defaulter at icheck kung may mahihila sila na mapapakinabangan. Wala ako o kaming bank deposits. Ang valuable kung iisipin ko may konting appliance kami na gamit sa pang araw araw. Banker salamat sa tulong.

      Delete
  14. hi po banker and the team. salamat po sa group na eto. nakakagaan talaga kyo ng loob... eto pa rin po ako, nagtry ako ulet na makipag-negotiate sa banko para ibaba ung amount na dpat kong bayaran from a loan na naiwan ko noong 2006 pa (last payment was 2006 po)... sumagot ang banko at sabi, maglegal action na daw ung kanilang accredited law firm/collecting agency sa akin... anu pong gagawin ko? ofw po ako....

    ReplyDelete
    Replies
    1. 10 years po dapat mag-file ng kaso.
      after that, hinde na po puede.
      but dahil you contacted them, prepare to
      be harassed by collectors for their commission.

      use the money for yourself and your family.

      Delete
    2. salamat po banker. ignore ko na lang po sila... nabubura po ba ang utang/loans sa records ng banko? at talagang ang accredited law firm/collecting agency po ba ang nagpa-file ng cases (kung sakali) at hindi po mismo ung banko?

      Delete
    3. @Ms Annie, i understand u , lahat naman tayo ayaw sa sitwasyon ito pero melanyos n po utang mo, kung baga tapos n po sana gyera kaso tipong nagtaas ka ng uli ng pulang panyo lol ,, and don't feed d greedy , walang kabusugan ang mga Lacoste. ----Scorpian

      Delete
    4. 5 years ang culling of records.
      may external counsels po ang banks.
      hinde collection agencies.

      Delete
    5. sir banker, anu po ibig sabihin ng culling of records? ibig sabihin po ba after 5 years, erased na po ung utang ko sa banks, both cc & loans? and also, panu po mag-start ang filing ng case kung wala naman po ako sa pinas? pasensya na po sa maraming tanong.. kabado po kasi at hindi makatulog :(

      Delete
    6. @scorpian, thanks po sa reply. napilitan po kasi akong kontakin ung bank kasi ung CA nila (ultado) nalaman na ofw po ako. pati company at contact details ng mga ofcmates ko, nakuha nila. they said from dfa daw. so inimail ko po ung bank at i tried to negotiate kaso heartless talaga. ayaw ibaba ung amount. then i tried again to email them to appeal and un na po ung sagot sa akin, magproceed to legal action daw po at cc ung CA/law firm nila... panu na po kaya?

      Delete
    7. after 180 days unpaid, magiging loss na yan ni bank.
      after 5 years uncollected, dead file.
      paano mag-start ang case kung wala ka sa Pinas?
      kahit dito ka, wala din mangyari. niloloko ka lang ng CA

      Delete
    8. p.s.
      if you want to pay, go ahead.
      it's your money anyway that will be lost
      to swindlers.

      Delete
    9. thanks po sir banker... eh nawalan na din po ako ng ganang magbayad sa kanila. nakikipag-ayos po ako earlier then bigla sila (bank) sasagot po ng legal action. i even offered a payment scheme then bigla po ganito ang scenario.. so far tahimik pa naman po ung CA nilang Ultado daw ang name. ina-anticipate ko lang po ung mga mangyayari. i'll make sure din na walang makukuhang pera yang CA nila from me... salamat po banker. patuloy po akong nagbabasa dto sa blog nyo.. God bless po.

      Delete
    10. marami na po ang na loko nyang Ultado na yan.

      Delete
    11. sir banker, goood am po... gusto ko lang po magkaroon ng idea. i dont know kung nasagot nyo po eto sa mga previous posts or kung may post po kayo regarding my question.. eto po: ung loan or cc debt once na default na po, nililipat (or binebenta?) ng banks sa kanilang CAs? then CAs na ung naniningil sa amin , then so parang wala na po kameng utang sa banks at gusto lang magkaroon ng komisyon ng CAs kaya todo sila sa paniningil even to the point of harassing us. then kung sakali man pong magkaroon ng budget to settle the loan/cc debt at maayos po ung terms ng bank (na sa panaginip lang ata mangyayari), sa bank po magbabayad at ina-activate nila ung defaulted account number.. ganito po ba ang scenario kung sakali? i mean ung steps or stages po na nangyayari sa mga utang namin... :( pasensya na po at lost post. gusto ko lang po ma-enlightened.. salamat po..

      Delete
    12. 1. Law firms DO NOT BUY receivables from banks. they earn thru "No collect ; No commission" basis. mga walang clients kasi ang mga iyan. lol!

      2. If you want to pay, DON'T. forget it.the bank is no longer interested, otherwise mag-file yan ng case. even that, if you have no money, useless pa rin.

      3. the bank write-offs your loan kasi after 6 months considered na yan as "loss" per BSP Cir. 398.

      attend ka ng EB pag may time.
      lol!

      Delete
    13. @Annie, yes if defaulted bank was DEAD SERIOUS to file a case matagal na pong nangyari yun... north korea na po ang nagmamaganda these days about their missiles na i-sample sa guam
      and pls. ignore the crooks... masaya naman yata yun... na-harassed ka na and mag-babayad ka pa talaga
      in my case i paid the banks directly citibank and union banks for total of 4 cards and nsa 500k ang naibayad ko over 4 years and now parmi and casas are trying to pester me with a defaulted amount of 25k; kaya ng powers ko...but why should i make them happy ???
      -might as well donate to some charity
      -look crooks will come and go ao di po dapat seryosohin and mabuti man lang kung me proper endorsement si kotong-collector

      Delete
    14. ah ganun po pala. :) kaya pala nung inimail ko ung bank at nagtry po ako makipag-ayos eh sumagot sila agad at cc ung CA/law firm (Ultado)... last na lang sir, may known cases po ba ang Ultado na nai-file??? (kung may idea lang po kayo)... gusto ko po umattend kung andyan ako :)... pwede po akong mag-contribute na lang sa blog na eto.. panu po? thanks a ton, sir! :)

      Delete
    15. 1. tip: some bank employees can earn some commissions too by referring it to CAs, just like sa Customs? lol!
      2. Ultado filing a case? nope. swindling pa siguro. heheheh

      the details on the EB is found on the first page. click mo lang "newer post" below

      Delete
    16. @Annie: May I know paano makipag-usap sa ang Ultado? At nang mapaghandaan pag tumawag. hehe..
      Defaulter ako ng China Bank, initially Molaer ang CA ko. 2 weeks ago last tumawag si Molaer. August 16 may nareceive akong email from Roberto B. Ultado Law Office, RGS Recovery Management and COllection Services, Inc. Mukhang sumuko na si Molaer knowing na wala silang mahuhuthot saken kaya in-endorsed na sa ibang CA.

      Gusto ko tong "if you want to pay, DON'T." ni Banker.. hehe..

      Delete
  15. Hello banker, ma'am Cherrylou and mga kadiskarte, mukha tahimik ang mga CA ngyn. Sinabi ko lagi Wala ako work. At magdemanda Na lng Sila. Tpos po Hindi Nila alam Na schooling ako Ng 8 months Wala ako sa home address ko. Thank you po Sainyo Lahat. God bless

    ReplyDelete
    Replies
    1. Hi Donald! Ako punding pundi n sa mga missed calls at emailed pero pag may power ka na tinatawag n bingi bingihan at bulag bulagan, for sure magaan ang dating sayo LOL ,,, ang mga masisigasig ng taon walang kapaguran makakomisyon lang! Hay kaawa awang tunay d makaloko ha ha ha uli -----Scorpian

      Delete
    2. eto diskarte jan buy a phone na pipit tapos lagay mo sim na tinatawagan dun tapos isilent mo icharge mo lang pag lowabatt less stress promise!

      Delete
    3. off season daw kasi ngayon friend, sa october balik ng mga yan... pag malapit na pasko... maghahagilap na ng mga pang aginaldo at panshopping ang mga social climber na collector...

      Delete
  16. Hi po ask ko lang po pag po ba case na pwede po b nila kunin yung car ko. Nakapangalan po kc sakin yun.. Ilan years po ang bibililangin pag nag file na cla ng case?

    From daisy

    ReplyDelete
  17. Hi Banker and CherryLou, grabe naman itong si EastWest Bank. I called them this afternoon asking if they can give me a restructuring scheme on my outstanding account at nahihirapan na ako magbayad. Aba e wala daw silang ganung scheme. E ano kaya ang gusto nitong EastWest, takbuhan ng client nila ang utang? Nakakadismaya sila..��

    ReplyDelete
    Replies
    1. hinde naman kasi ma-promote sila kung sila mag-collect. dagdag trabaho lang.lol!

      kaya CA na ang mag-handle.(may extra income pa sila kung sakali)

      Delete
    2. @SecretRamblings,, ganun? O eh ibigay ang gusto nila! Takbo na LOL ----Scorpian

      Delete
    3. SecretRamblings-
      Bank- its an inanimate object. It does not feel hunger and pain. Therefore, it has no feelings at all :-(

      Delete
    4. @Secret Ramblings, yes as long as active ang account mo they will not offer you anything to make life easier...but try NOT TO PAY THEM FOR 3 MONTHS mag-uunahan pa inhouse collection ng repayment scheme, but by these time pls. expect your defaulted amount to be 3times your credit line (this happened to me...)
      since struggling na po ang pag-babayd i guess it's high time to focus on basic needs

      Delete
    5. @CherryLou, parang feeling ko nga instead of helping out lalo pang nilulunod nila sa utang ang client nila. Thank you so much for the reply. I am a bit afraid if i dont pay EWB it may affect my citibank. Huhu

      Delete
    6. ano po ang connection ng EWB sa Citibank mo?
      just curious.

      Delete
    7. @Banker, wala naman po connection except both are members of the BAP. Nagbabayad pa naman ako pero paranoid na...nuba ito...

      Delete
    8. @ secretRamblings, khit default k po s EWB at good naman credit standing mo s Citi bank eh nothing to worry. Sila pong mga bangko ay nag-uuntugan para lang makadami ng kliyente kaya paki ni Citi kay EWB. Naiimagine ko lang with matching labas dila pa yan as in belat LOL--- Scorpian

      Delete
    9. @Secret ramblings, yes ano nga po ba konek ng ewb sa citibank
      if you default ewb, citibank will remain active as long as you are up to date with your payments
      ako with my ewb, for the longest time when na default ako i have requested for the least amt. to pay to keep my card active and i was sooo kulit asking for repayment when lo and behold na notice ko....abah, mas mataas na min. due ko sa credit-limit, actually 3x higher na n ayaw pa repayment...so ayun i stopped paying completely... now maghabol sila sa tambol-mayon

      Delete
    10. just remember - they are competitors?
      lol!

      Delete
  18. Hi Banker,
    I have a personal loan with RCBC with PDCs. My checks cleared from April 2013 to July 2014. However, due to financial crisis, my succeeding checks bounced. Since I was not aware yet of your blog, last May 2015, I paid 30K to a collection agency due to harrasment etc. I still have a big outstanding from RCBC. Yesterday, I got a call from first maharlika agency that they will inform bank to file a case already. What do you think? Will RCBC really file a case now considering the bank is know for filing cases? What I am afraid is that they may file BP22 which is a criminal offense. Help please Banker and Cherry Lou. Thanks in advance.

    ReplyDelete
    Replies
    1. Manny B.
      Normally, banks don't file case-it stop there. Usually banks endorse their delinquent accounts to their CA's. It's defaulter's paranoia roots from believing anything a CA's say including threats to be sued in court. Bakit ka pa iinform thru letter or calls-Go ahead sue me...
      BP 22-hindi na po siya criminal liabilities. Most of these cases are to facilitate loan payment. The only requirement is to attend when you called by court.

      Delete
    2. Dhastan, kinabahan din ako sa BP 22 na yan kahit mukhang wala akong takot pero nung nabasa ko yung facilitate payment mo medyo na ease yung bigat... parang nakamove on sa ex ko... yung genern! apir nga jan!

      Delete
    3. Thank you so much Dhastan. Your comments are highly appreciated. You have a point there. Bakit pa sila magtyatyagang magtawag ng magtawag at magpadala ng sulat. Dapat sa court na nga lang deretso. less work pa on their end. Anyway, thanks again.

      Delete
    4. @MannyB. another bullshit from the crooks
      kotong-collector have no right to recommend filing of cases and if rcbc (notorious in filing a case, for sure 2015 pa lang nag-file na yan ng case "as per my experience" and not for sum of money, di po bp22 case; pang-small time lending companies lang po ang bp22 case as confirmed by fellow defaulters with whom i have been exchanging private emails with)
      when a bank files for a case, wala po syang warning...

      Delete
    5. Rey Anderson,
      Glad to hear you...nakamove on with your ex :-)

      Delete
    6. should read.... and for sum of money lang and not bp22

      Delete
  19. @Scorpian, medyo pumanting ang tenga ko kahapon when they said they do not offer that kind of scheme. Actually I am thinking really hard kung takbuhan ko ba or not...grabe sila. Client pa nakikipagnegotiate sila ang ayaw pumayag. Malamang in the coming days pagwala na ako ilalabas na pambayad goodluck sa kanila.

    ReplyDelete
    Replies
    1. Yang mga taga EWB nayan madalas ding mapainit ulo ko. Pero hindi naman sila notorious s filing of case. Gusto mo makabayad ito silang ayaw eh hindi mo na kasalanan kung d k na mkacope. Be ready lang to deal with the crooks kase madami silang palabas. Nways, gamitan mo lng ng diskarte at magic word ni banker. Goodluck!----Scorpian

      Delete
    2. paepal lang po... wag martir friend, pag di na kaya bitaw na... lalo na kung may ibang umaasa pa sayo...

      Delete
  20. Hi good morning mga ka-diskarte! 2 days ako absent, kaya 2 araw din tahimik ang buhay ko, pero di ko alam kung nambastos pa rin ng mga officemate ko yung walanghiyang taga AIQON UNICORP dahil nga absent ako at iniisip na naman nila kakutsaba ko mga officemate ko para magtago. - DAISY M.

    ReplyDelete
  21. Ang nakakatawa lang dito sa mga lintek na mga Collector na to, kung manlait wagas talaga, akala mo sa kanila ka may utang. Iniisip ko siguro kapag nagha-hire ang mga Collection Agency ng mga kolektor ganito nakalagay sa qualifications:

    1. MUST BE SOBRANG BASTOS! (AS IN SOBRA! TO THE MAX!)
    2. MALUTONG MAGMURA!
    3. MAKAPAL ANG MUKHA!
    4. AS IF WALANG PINAG ARALAN!
    5. KULANG NA KULANG SA GOOD MANNERS AND RIGHT CONDUCT!
    6. WALANG TELEPHONE ETIQUETTE
    7. KAILANGAN NA KAILANGAN NG PERA! (GAGAWIN ANG LAHAT PARA LANG MAGKAKOMISYON! )

    mga kadisrte kung kulang pa yan pwede nyo dagdagan....

    love,
    DAISY

    ReplyDelete
    Replies
    1. correction on number 4 - "unschooled"
      most of collectors barely reach high school
      (hinde AS IF lang)
      fyi.
      lol!

      Delete
    2. @banker hahaha oo nga banker mali ako dun... di pala as if... talagang WALEY! - DAISY

      Delete
    3. Madam! pilosopohan ang laban pag tinatalakan ka...

      pag sinabing "Pakinggan nyo po ako"
      wag ka nang magsalita thru the call

      pag sinabing "Mangutang po kayo para makabayad"
      reply "pwede ba pautangin mo muna ko?"

      pag sinabing "utang kayo ng utang di kayo marunong magbayad"
      reply "bakit ka nagagalit pera mo ba inutang ko?"

      sabayan mo pa ng "edi pautangin mo muna ako tapos saka ka na magalit sakin pag di kita nabayaran"

      meron pang "recorded line po tayo"
      reply "pengeng copy ha"

      minsan magtatanong pa yan ng personal info...
      sagutin mo, "number ko nga nalaman mo eh yung ibang info ko di mo alam? trabaho mo yan wag mo ipasa sakin"

      ganern ganern lang tignan mo pano sila magwawala matatawa ka

      Delete
    4. @Daisy, banker is right
      DAPAT BOBO, naka-upo sa row 4 near the trash bin
      yun bang pag tina-tawagan ka sa office, ide-dare sa iyo na go sila sa barangay kung saan based ang office mo... ang talino debah
      and pls. don't engage the crooks with some intelligent convo huh...ayaw nila yun
      juicecolored...ikaw na po bahala sa mga comedians

      Delete
    5. @ Ms Cherrylou, natawa naman ako dun miss cherrylou, dapat pala basurero yang mga kolektor na yan kasi malapit sa trash can nakaupo!

      @Ray Anderson minsan nga may tumawag din sa kin, tanong nya kung may rubbershoes daw ako, sabi ko meron.. sabi nya tanggalin ko daw yung sintas at magbigti daw ako. Sabi ko excuse me, ang liit naman nung sintas di yun nakakamatay. Sabi nya tumalon daw ako sa manila bay, sabi ko naman ikaw na lang kaya, ikaw nakaisip nun e.
      Minsan tong mga to, kailangan lang unahan ng taray akala nila kasi porket may utang ka may karapatan na sila lait-laitin ka. - DAISY

      Delete
    6. Di ko malimutan yung tumawag sakin na atty daw sya tapos may criminal case daw ako na RA 8484 sabi ko ano ba yung RA 8484, sinagot nya ko na Estafa daw... napa "luh" na lang ako eh. Tapos sabi ko "final answer?" sinagot ako kung naglolokohan daw ba kami, sagot ko depende sa kanya kung nanloloko ba sya, tapos sinasayang ko daw oras nya sabi ko edi ibaba ko na? sabi nya "subukan mo"... binaba ko tapos tumawag ulit.... sabi bakit ko daw binaba sabi ko "testing lang"... nagagalit na si atty di na ko nagsalita...

      Delete
    7. Ha ha ha may kulang pa dyan Ms. Daisy! No.8. Nuknukan ng singungaling mga pinutukan na magaling na mga yan! No.9 Best actor and actress ever! At madami pang iba. Yaan mo tatamaan din ng kidlat mga yan kaya makakaganti ka na bwahahaha --- Scorpian

      Delete
    8. @Ms Cherrylou, ha ha ha natawa ko s linya mong yan! BOBO right as in BOPOL, mapurol ang ulo since birth ha ha ha uli -----Scorpian

      Delete
    9. @ Rey, ha ha ha master na master nila kawalanghiyaan kaso hindi nila alam ligong ligo na natin style nilang bulok! Hay naku kelan kaya uulan ng barya, sana sa mga Lacoste ang sentro ha ha ha uli ----Scorpian

      Delete
    10. @Rey Anderson... ha ha ha tawa much
      ikaw talaga...walang kupas mag-maldita
      keep it up !!!

      Delete
    11. jusko palibhasa mga collector na to mga busy sa telepono kapag nagpapaulan ang langit ng konting talino eh...

      ambobobooooooo!!! mga di marunong umintindi!

      magtatanong pa yang mga deputa na yan ng "ano po nangyari bat di nakabayad?"

      eh malinaw naman na ang sagot sa tanong nila ay gipit o walang pera o may gastus na di maiwasan

      amboboboooooooooooooo!

      Delete
    12. @Rey Anderson - hahaha oo nga asked pa ano po plano nyo? kapag sinagot mo ng wala pa ko plano, magagalit! hahaha mga buwisit talaga! - DAISY

      Delete
    13. @Rey Anderson.... ho ho ho
      you hang up the phone and "testing lang"...funny, funny,funny
      favor this time...pls. attend ka fb...PLEASE
      for sure wala tayong matinong discussion nila scorpian, marc p., abeng, dhastan and soooooo many to mention

      Delete
    14. ms.cherrylou opo sige po pupunta po ako

      mag iinternalize muna ko na mabait ako kasi baka makakita ko ng kolektor dun masapak ko ng kaliwat kanan eh!

      jooookkeeeeeee! half meant! kaliwa lang sasapakin ko hahahaha!

      teka magiipon pa ko 5piso kada araw para makapunta hahaha joke lang ulit... sige po punta ko...

      @daisy pag nagtanong ng ano plano sagutin mo "Plano? meron kami nyan dati, kaso bumitaw sya!"

      @scorpian lacoste talaga? haha lacoste na galing greenhills o divisoria? hahahaha!





      Delete
    15. @Rey Anderson, yes Lacoste, medyo pinaganda kase maganda naman akong defaulter pero sa saan mang anggulo , bagay sa mga crooks ang salitang Bwaya, Timawa at Bwakaw ha ha ha---- Scorpian

      Delete
    16. @Ms Cherrylou, i wish makigulo ko sa EB, supersaya nyan tingin ko ha ha ha

      Delete
  22. @Scorpian, my thoughts exactly! Ayaw nila pumayag ng matinong pakiusap as in iinit talaga ang bangs mo sa kanila. Malapit ko na maubos ang pasensya ko sa kanila at parang gusto pa ni EastWest na malunod ang client nila sa utang, tataasan pa ang interest. @Rey Anderson...ayaw ko maging martir at baka mabaril hehe. I simply want to look for other options since ayaw ko din naman masunog sa banko saka may citibank din kasi ako.

    Good morning everyone!

    ReplyDelete
    Replies
    1. @Secret ramblings, yes all of us been bidding banks for time and a realistic repayment schemes, but i guess sobrang stubborn lang ang iba
      for banks choosing between 2 evils mag-bayad or hindi and it's crazy they love the second option...lol
      and it's sensible then for us to focus on basic needs like food on the table...than gooooooo deeeeeper with debt

      Delete
    2. @Ms Cherrylou, i miss you po---- Scorpian

      Delete
    3. @CherryLou, you are so right po. Nilulunod nila sa utang mga clients nila. Like on my case, i have been paying ng walang mintis for 4 years. Konting consideration wala sila. They will opt to hire these CAs na mga walang modo than to get money out of us na nakikiusap :(

      Delete
    4. you can get the whole picture when you attend the EB
      lol!

      Delete
    5. @Scorpian... hi am back !!!
      been down with flu for 2 days and sooooo glad to be back and maki-chika with all of you guys
      see yah.... mwuahhhhhhh
      -sayang walang emoticons/GIF dito no

      Delete
    6. @Secret ramblings, yes most of the banks around ayaw ng mabuting usapan
      -push nila yung "while active si card at maliit pa amount" mabayaran ng maayos... gusto nila i-push yung malaking amount na bayarin
      -like my credit limit with ewb was 22,000 na late ng one-time, next cut off di ko na ma-gets kung saan nakuha lahat ng surcharges and at present 65k na and i only stopped paying in last may of 2017...OMG 43K for interest... no way senor
      -sabi nga ni banker ok to pay pag
      1. authorized/me proper endorsement si c/a
      2. fair ang amount
      3. me written-agreement
      4. last but not the least WALANG HARASSMENT AND MGA KAAKIBAT NA KALOKOHAN NI C/A
      -and when i finally meet that c/a i will pay ora mismo ONLY my defaulted amount of 22k or less
      -even before, banker was not condoning non-payment of utang, ang gusto lang nya maibalik ang dignity/respect sa mga defaulter

      Delete
    7. @CherryLou, nakupo! ang laki ng interest..may advisory nga si EWB dated August 2 that their late charge daw will be 8% effective November 2017. Walanghiya, hindi pa kuntento sa 3.5% nagdagdag pa! I was diligent in paying them in the past, but in the past months, parang pisi na humihigpit sa leeg ko ang mga bayarin this is why I asked them for a much lighter mode of payment. Ayun, ayaw pumayag...goodluck sa akin.

      Delete
    8. @Secret Ramblings, kung ayaw nila then pls. stop paying
      yung late payment na 8% me matching pa na psos 500 for over the limit fee... tsk tsk tsk
      promise walang forever with the crooks, and promise that day will surely come na kotong-collector will just offer you the real defaulted amount, kung 1k... one k na lang talaga
      and i remember what sugarcane planter said before, apparently somebody asked him "how come defaulters are now living a more comfortable life? " and he just told them na it is simply bec. these defaulters were able to prioritize their needs over the greed of the comedians, no more financial marathon, yun bang manghihiram to pay another utang or gagamitin si creditcard parang revolver mag-cash adv. para ibayad sa ibang account...lol
      pls. don't worry everything will be ok, just hang-around para alam diskarte sa mga lacoste

      Delete
    9. @CherryLou, Thank you so much, napagaan ang loob ko because another reason is I would rather settle amicably than butt heads with the collectors at ang babastos ng bibig base sa threads dito sa blog. Right now, it seems they are pushing me against the wall not to pay them --next week pa naman ang due date ni EWB. Salamat ulit ng madami :)

      Delete
    10. @SecretRamblings, sabi ko sa bading from EWB n nakausap ko eh wag sya ATAT! Hindi p default ang CC ko kaya kung sya nang sya makakausap ko eh tutuluyan ko na at maghabol sya sa tambol Mayor n bakla sya Ha ha ha Napikon ang bwisit , binagsak ang telepono! Walang modo! -----Scorpian

      Delete
    11. @ Ms Cherrylou, i'm glad at ok k na ngayon. Ako man eh nagkasakit last week buti nalang mapait panlasa ko hindi ko malasahan email, calls, text messages ng mga kampon ni Zumang mga Lacoste nayan ha ha ha ---- Scorpian

      Delete
    12. @Scorpian, natawa naman ako sayo Lol! Totoo nga masyado sila atat. One of my friends nagrereklamo din about eastwest. Ang nangyari ay over na siya sa credit limit pero tinanggap pa din daw ng merchant ang charge niya. So pagdating ng billing tumambling siya at 1000 pesos ang charge daw sa over credit limit. Nakakaloka! Doble bayad sa charges? Nde ba yan naisasanction ng bsp? Masahol pa pala sila sa bombay. Si kuya bombay pwede pakiusapan sila hindi...

      Delete
  23. Hello po..tumawag po ang TELAN kay hubby today..sbi po ipapasa na daw sa recovery department ang account nya since 3mos na syang hndi nakakabayad. Tinatanong din sya ng reason bkit hndi sya makabayad.sbi nya lang nagsend na sya ng letter kay bankard explaining bakit hindi sya makabayad.tinakot pa sya na idedemanda nalang daw sya.sagot po ni hubby is mabuti pa nga daw cguro un kasi bka sa korte eh mababaan ang interes ng utang nya. Sbi lang po sknya makakarating daw po kay bankard un at kung may pera naman daw sya pampa abogado. Ask lang po..hndi po b sa small claims lng nmn ang bagsak kng sakaling magsampa talaga sila ng demanda at hindi naman kailangan ng abogado dun?pinipilit po nila magbayad c hubby within this week po.. 8k daw un pero kahit 2.7k para lang daw hindi ma block ung account nya.attend po kmi ni hubby sa EB nyo sa november banker para mas marami pa kaming matutunan. Sna po matuloy un. Maraming salamat po sa mga magsshare ng experience at sasagot sa tanong ko na ito. Nappraning po kc ako since first time defaulter ang asawa ko at talagang wla kaming idea ano ang pwdeng mangyari.btw, rcbc bankard po at 2 cc po ang default nya 3mos ago lang. 52k at 57k ang defaulted amount. Salamat po.

    ReplyDelete
    Replies
    1. Yung nagtatanong pa sila ng bakit di nakakabayad... obviously ang sagot dun ay "walang pambayad"

      amboboboooooo!
      below C level
      mentally comatose
      tambay ng row 4

      putang mga collector to! saan po kayo humuhugot ng kabobohan nyo?

      Delete
    2. Ms Kristine, rcbc po though notorious in filing a case, sa liit po ng defaulted amount ni hubby eh bk si kolektor also known as Lacoste nalang mangulit sa inyo. And magfile man po ng case eh kalma lang po kayo. Just don't keep bank deposit.At never pay even a single centavo sa mga bwaya ng taon at mauuwi lang po sa wala ang ibabayad nyo. Tell them to sue u at sa court nyo nalang pag-usapan yan. He he he doon po pag wala ka ibayad eh d wala! Sabi nga ni Sir Rene, d k naman ipafiring squad lol goodluck po at iprioritize lang mga pangangailangan ng mga anakis.---- Scorpian

      Delete
    3. kay atorni na naging collector lang dahil walang clients?
      hahahah....

      Delete
    4. @Kristine, wow ha...crooks trying to be smart
      recovery department in-charged for all the unpaid accounts
      telan is a 3rd party collector ...so why transfer unpaid accounts to recovery department...that is simply bullshit
      pls. don't make any payments... you will just give the crocodiles to bully you more
      focus muna on basic needs

      Delete
  24. hi tumwag ulit ang AIQON, and this time babae naman at "MABAIT" siya kausap. Sabi ko sa kanya may nakausap na ko jan si sta ana. (santo pa man din apelido ng bwisit!) tapos asked nya kung ano nagpag usapan sabi ko minura lang naman nya ako, tapos tanong na naman kung bakit... ( kung di lang sya malumanay kausap di ko na sana sasagutin) so ako naman blah blah blah blah... saka sabi ko tutal tumawag ka na rin lang, mabuti pang malaman nyo na SUMULAT NA KO SA BSP... sabi nya e what daw plano ko, sabi ko sa ngayon wala pa... antayin ko na lang feedback NG BSP.. SABI NYA SIGE PO KAYO PO ANG BAHALA.... tawagan nyo na lang po ako kung ano ang feedback ng BSP. sabi ko naman sa kanya, sabi ng nakausap ko sa BSP padadalan naman daw kayo ng sulat so dun nyo na lang po malalaman kung ano feedback. Tapos nagbabu na sya! - DAISY

    ReplyDelete
    Replies
    1. @Daisy, wow binago strategy huh
      pero sorry na lang sila...ang sakit ng kalingkingan ay dama ng buong katawan...meaning dahil pasaway si sta. ana (di bagay lastname nya...dapat LUCIFER !!!) kahit singkong duleng walang mapapala sa iyo... just donate amt to chosen charity

      Delete
  25. Good pm po Banker & Maam Cherry!

    Tanong ko lang po. May tumawag po kasi sa baranggay nang province namin kahapon si Spo4 Juana Ramos, NCRPO nang Camp Bagong Diwa. Ask po siya if nandoon po ako sa province namin kasi wla na po ako sa dating address na binigay ko sa kanila, sabi po kasi nila may case na po ako na estafa. Banker & maam cherry, possible po ba na totoong police yun or collection agency lang din? At may kaso po ang ang credit card debt? Pls help po. Salamat

    ReplyDelete
    Replies
    1. Hehehe mga comedians lang po yan , SP04 Ek-Ek lol, nxt time put username po thanks--- Scorpian

      Delete
    2. hi promise si kotong-collector lang po ang tumawag sa barangay nyo
      if ever sum of money case lang sa bank and no idiots will try and call your barangay
      -ignore lang po and focus on basic needs
      -btw ewb po ba card nyo ??? sila po kasi mahilig mag-drama ng ganyan

      Delete
  26. tip: hanapin mo sa fb si SPO4 Juana Ramos... tignan mo kung pulis nga haha pero sa nakita ko parang hindi 😂

    try mo din i google... NCRPO Juana Ramos

    ReplyDelete
    Replies
    1. NCRPO is an administrative office.
      it is NOT an operations unit.
      it's like your HR doing janitorial jobs.
      lol!

      Delete
    2. I googled her name nga po. Pati sa website nang NCRPO wla nman Juana Ramos. Sinabi nya po kasi sa baranggay na may case ako. ���� sir Rey & Banker May kaso po ba sa CC debt?

      Delete
    3. Sabi nga, marami best actress at actor sa mga Collection Agency, Malamang colection agent yan na nagpapanggap, magulat ka na lang isang araw sasabihin nila si Pres. Duterte sya sinisingil ka! hehehe - DAISY

      Delete
    4. Maam Cherry - Opo EWB . nakakaloka po kasi dahil Estafa agad ang case na sinabi. Pinatwagan ko po sa kakilala ko sa Camp Bagong Diwa if meron ba Juana Ramos doon, wla naman po daw!

      Delete
    5. hi so alam na... estafa agad
      di ba pwede sum of money case muna... mas realistic
      and ewb pa... eh sadyang bully lang ang mga kotong-collectors nila

      Delete
    6. Mam Cherrylou! EWB daw? huhuhu

      FYI: Kung magsasaboy ng katangahan ang langit feeling ko sa EWB dadakot ng katangahan...

      Delete
    7. FYI II :

      staff at EWB may percentage sa CA commission.

      lol!

      Delete
    8. @rey anderson, naku problema ko din yang EWB. Ayaw magbigay repayment scheme. Gusto talaga nilang takasan sila ng mga client nila.

      Delete
    9. @Rey Anderson... yes
      you saw it right
      remember, khit anong instruction ang ibinigay mo sa kanila patuloy silang nag-deposit ng closed account na checks mo... (at partida pa na meron kang replacement checks huh... hu hu hu )ayan tuloy bongga yung naging charges mo and mabuti na lang nagising ka in time...

      Delete
  27. Good evening po. Tanong ko lang po if pwede magfile ng small claims ang mga CA? Inaadvertise na po ngayon yun way ng paniningil thru small claims court. ��

    ReplyDelete
    Replies
    1. no BIG deal Marj kahit sa isandaang court pa magfile yang si CA,, yun eh kung pwede silang mag file at kung pwede man kung wala ka ibayad eh useless lang LOL -----Scorpian

      Delete
  28. @Marj, hi crooks can't file a case
    call po ng bank ang pag-file ng case...defaulted amount of 200k and below will go to small claims court
    as per google one-day hearing and no need for lawyer unless plaintiff or defendant is a lawyer himself
    -guess parang mediation and defendant can request court for a reasonable amount to pay

    ReplyDelete
  29. Hello po..

    Ask ko lang po pwede po ba ako kasuhang ng sum of money case kung nasa ibang bansa po ako? may mahigit P200k po utang ko sa credit card sa BPI, last payemnt ko noong April, nagkaproblema po financially kaya di ako nakabayad. May mga email na sa akin ang CAs sabi ko sampahan an alang ako ng kaso. awww.

    ReplyDelete
    Replies
    1. Eh ano naman kung sampahan ka ng kaso? Ayaw mo ba mamimiss mo mga Lacoste at Kingkong?! Ha ha ha kalma lang , no big deal po, just don't keep bank deposit . Focus lang sa pangangailangan ng pamilya. Goodluck! ---- Scorpian

      Delete
    2. @Ms Cathy, anino po natin ang mga kolektor as defaulter kaya just welcome them with a SWEET smile just incase mangharass na. But with your 10k na utang, kalma lang kse kahit ako hindi n kita pagtitiyagaan pa ha ha ha joke lang ! Pero no big deal promise, crooks just come en go . Deadma lang kung ano man kaek ekan ang ipanakot sayo.Hindi po totoo yun , bulaklak lang ng katuray . Goodluck!-----Scorpian

      Delete
  30. hi it's possible
    if ever just don't receive the summons/notices para ma-archive filed case
    meaning di mag-prosper

    ReplyDelete
    Replies
    1. Hi po ms cherry, nabanggit nyo po na wag receive yun summons at notices? Pwede po ba yun? Kunyari alam ng nagpadala ng summon na ako yun hinahanap nya, can I outright sabihin dun na di ko i sign o i receive yung summon? Salamat p
      -Assassin

      Delete
    2. @assassin, it is the court personnel who will deliver the summons...so di nya kilala ang defaulter and ipapa-received lang nya ang summons
      so poss talaga not to receive

      Delete
    3. Pwde po kc dito sa opis na mag advise sa security sa lobby na wag magpapa akyat pag walang advise ang employee. Pag sa court personnel pwede po ba i-deny sila ng security sa pag akyat para mag serve ng summons? Sa bahay naman po sat sun wala po cguro mag serve kc wala pasok ganung araw ang korte? Salamat po
      -Assassin

      Delete
    4. @Assassin, hi of course you can advise your mamang guard not to let in anyone without your go signal, kahit pa po court employees...

      Delete
    5. @Assassin, it's now or never ang kaso once defaulted. And ending nyan kung wala k naman talagang pambayad eh isang masaklap na katotohanan sa parte ng mga Lacoste,, huhuhu sa wala nga eh d wala ,, tapos ang palabas nila ha ha ha kalma lang po eh good luck--- Scorpian

      Delete
    6. Thanks ms cherry and scorpian. Dahil sa inyo, kay banker at sa iba pa mapaghahandaan ko na sila at nakakahugot ng lakas ng loob sa pagdaraanan kong ito.
      -Assassin

      Delete
    7. @Assassin, dati muntik n ko magbigti sa puno ng kamatis with my huge defaulted amount sa MCC until one day nasearch ko sa google and word Diskarte.Hay hulog ng Langit si sir Rene at Ms Cherrylou! Without them baka nameet ko na si San Pedro ha ha ha ,,,, move on n po tyo ,, just don't forget d lesson . ------Scorpian

      Delete
    8. @scorpian, pumasok din sa isip ko yang magbigti sa puno ng kamatis dahil nung una akala ko makukulong ako pag di nakabayad. Buti nahanap ko nga din tong site na to kakagoogle at nasagot ang mga katanungan ko
      -Assassin

      Delete
  31. Hi Good PM po.. gusto ko lang po mag tanong regarding lending companies.. since halos same lang naman sila ng thought ng credit card.. I'm not sure if it can be answered here or purely for credit card issues lang itong page na to... but in any case na pwedeng masagot yung question ko, super appreciated ko po kayong lahat.

    Nag borrow po ako ng money sa Doctorcash and it was approved naman, i borrowed 10k.. and return nya is 13k.. I wasn't able to pay it in full the following month. I paid 3k kasi yun ung minimum for the loan to get extended for the payment. Until now, I'm still paying the 3k per month.. na ka 4x extension na ko.. and the amount to be paid IF full payment is 13700.

    Since hindi ko pa kayang bayaran yung buo, I opted to pay the 3000 this month again.

    Halimbawang hindi ko po sya matapos bayaran kasi may urgent akong payables... katulad din po ba sila nung mga collectors ng credit card? mangha-harass? and mag kakaso sa korte coz hindi makabayad? anyone here who has the same experience with this lending company? salamat po sa mga sasagot...

    ReplyDelete
  32. @Cathy, hi yes same treatment din po
    and with 10k loan, i don't think doctorcash will file for a case
    though i also understand na naughty mga collectors nila
    and panalo din terms nila huh 3k for extention and you're on your 4th extention...that must be a lot of money huh
    yes if paying for extention is now a struggle, like going deeper with debt, just stop paying and pag me extra money at saka bayaran si doctorcash
    -happy weekend

    ReplyDelete
    Replies
    1. @Cathy, hindi bagay ang salitang doctor dyan, instead of curing, patayin ka ng mga yan sa interest. And Ms Cherrylou is correct, stop paying bago ka malubog sa kumunoy. Be smart eka nga ,, goodluck-----Scorpian

      Delete
    2. Civil Code of the Philippines
      CHAPTER 3 Work and Labor
      SECTION 2 Contract of Labor
      Article 1708. The laborer's wages shall not be subject to execution or attachment, except for debts incurred for food, shelter, clothing and medical attendance.

      Siguro ito dahilan kaya walang salary garnishment sa Pinas kung pagkakautang lang sa credit card ang basehan. Tama po ba?
      -Assassin

      Delete
    3. Yes, pero kung MCC ( Metrobank) defaulted bank mo,at dun payroll nyo, walang batas na ganyan. Patay kang salary ka! Makatao batas natin dito sa Pinas pero with MCC, greediness is d word. Have a blessed Sunday!---Scorpian

      Delete
  33. Question po ulit. Defaulted din po ako sa bdo and bpi cc, inaalala ko lang po kasi may namana ako sa nanay ko na lupa and naiayos kona sa pangalan ko, clean title na kung baga. May chance ba na mahalukay ito nang bank and gawing pambayad sa utang ko? Salamat

    ReplyDelete
  34. What if po may cc loan ka na di nabayaran, dahil na hack lang yung cc mo, pero pinapabayad sa iyo, then may savings ka sa bangko mismo, pwede po ba nila kunin sa savings ko automatically yung sinisingil nila sa akin? What if po ilipat ko sa other bank pwede pa po ba nila ito galawin if nasa ibng bangko na?

    ReplyDelete
  35. Gudpm po banker & mom cherry gusto ko po itanung ako po ay nagka prblema din sa CC ng metrobank, na pinalaki ng pinalaki, at ilang taon din kopong binayaran ang minimum amount due na lng, hangang sa tinigilan kona ang pag bayad dahil lumalaki po, ngayun po ay my account pa nmn ako sa metrobank minimum acc na lng po maintaining balance 10k at nsa 4yirs nadin akong wla ng natatangap na sulat galing sa colector agent nila at wla ng tawag dahil nagpalit ako ng nmber, may account po ang anak ko sa metrobank, nag aalala din nmn kc ako mahohold bapo pati account ng anak ko pra po kc sa pag aaral nya un account papo yun nung bata pa sya maraming slamat po sna po ay mabigyan sagot ninyo ang aking katanungan mabuhay po tyu sa blog na itoh malaking tulong po kyo sa amin godbless

    ReplyDelete