Saturday, April 21, 2018

I Was Scammed!



I am sad to hear stories of defaulters paying CAs without first verifying if they are authorized or not.
..just to stop  the alleged threats of visits, harassment and  from having a case! 
( they won't ; they don't; they can't) .

the ending?
MONEY is gone.
walang mahabol.
hinde kilala sino ang tumangap ng pera.

114 comments:

  1. Hi Banker, Kelly here. THIS IS SOO TRUE. Nangyari sa akin. First time ko kase nakareceived ng bank offer. E good payer naman ako talaga, kaya lang unavoidable circumstances happened once in a while kaya na default. Nung nareceived ko ang promo email, grab to d max ako agad. So .99/month for 6 years. Anlaki sobra sa doble ang tubo pero grab ko pa rin. I emailed back and requested a detailed computation plus other documentation na proof, pero to no avail. So dahil gusto ko nganng magbayad kahit in d absence of documents, go na ako for p4k/month for straight two years. When I requested again for my balance sa ewb, waley, nadah, none, silent night ang peg ng banko. So nagduda na ako. I stopped paying kase para akong engot nagbabayad tapos walang update kahit scratch paper lang. Here comes the C/A emails here and there. lahat ng pananakot ng demanda natanggap ko na. Yes, ninerbyos ako ah. Kaya nga nag Google ako to check the name of the atty. Nakow, si Utaldo notorious pala. So kalma na ako pero here comes another C/A, calling phones and emails. Kaya nag Google uli ako about help for CC defaulters. AND THANKS GOD, I FOUND YOU, FOUND THIS BLOG. Kung pwede lang yakapin kita banker, may pa kiss pa, I will do it. Grabeng tulong ang nagawa mo sa possible nervous breakdown ko. High blood pa man din ako. So medyo kalma na ako. And then 2018 the other day, face to face na talaga sila utaldo peeps. Pumunta sa bahay, tatlo sila. If I've known sila yong dumating, I will not talk to them. Kaya lang I'm expecting somebody on that same day kaya ayun nagka engkuwentro kami, same story panakot sa barangay, so I told them, GO.Do what you think is best for you. I'll do mine. Pinicturan pa ako at ang haus kong sira na ang bubong. Following day, pina blotter ko sa barangay at sinabihan ang sectrary NOT to entertain requests coming from firms dahil bawal yon. Ang sakit lang nito, naputan sa wala ang nabayad kong p4,000/month for two years. Right now I'm waiting for their next move after the house encounter. AGAIN, BANKER AND MS. CHERRYLOY AND THE REST OF TEAM, LOVE LOVE LOVE YOU ALL!!! I will keep you updated about my situation.

    ReplyDelete
    Replies
    1. The only antidote is:
      "Let's settle this issue in court - formal, legal and fair. masama ba yan hijo?"
      lol!

      Delete
    2. I will tell this to them kung bumalik pa rin sila. Love you talaga Sir Banker. - Kelly (your avid fan)

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    3. naExperienced ko na rn yan last 2016. bayad ako ng bayad eh napupunta rn nman sa wla. halos d na nga ako mktulog sa kakaisip kng san ko na kukunin pambayad ko. pro salamat sa mga payo nla Banker at Ms. Cherry. ngaun, pra na rn akng abogado. hehehe... laban lng

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    4. Hello po Maam Zep here! Good Day po sa ating lahat! Paano nyo po nalaman na wala pong pinuntahan ang hinulog nyo po? Currently po ay pumayag po akong magparestructure ng utang ko po sa Union Bank 3500 monthly for 2 years.. meron po clang pinadalang email sa aken na parang contract po namen.. Meron dn po ako sa Metrobank na 990 per month 3yrs to pay.. may kopya po ako ng email nilang contract dw po.. valid po ba un? Paano po malalaman kung nahuhulog po un talaga o kung nbabawasan po ang utang ko.. Help Me po!

      Delete
  2. Good afternoon cc defaulters!
    Si Ulgago Low office? what a pity lawyer?
    Naging collecting agency na lamang marahil walang kliente :-)
    I'll received a love letter from them stating: RA 8484 :-) hindi naman fake ang card ko. Another thing is your spouse, if any, shall be included as mandatory party defendant upon filling of a collection case in court, pursuant to Rule 3 Sec 4 of the Revised Rules of Court. At eto ang nakakatawa: For EXTRA-JUDICIAL SETTLEMENT: Cash payment should over the counter through any branches of MCC, PSbank, Cebuana and SM payment only. At the last statement, for further assistance or inquiries you may call our account officer, Ms. PeDra Penduko :-) on different cel numbers stated below...Nalula tuloy me sa amount ng aking balance... :-)

    ReplyDelete
    Replies
    1. sir Dhastan, MCC bank po ito no? naka experience po ba kayo ng personal visit? I'm on my 7th month as defaulter. So far email, letters at calls lang mga CA.

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    2. samntha,
      personal visit- only their messenger or mail man
      Tanggapin ang love letters then tapon sa malapit sa basurahan. Don't read anymore the content of the letter to avoid stress :-)

      Delete
    3. @samantha,hi mam,buti ka pa d mo na experience personal visit,3 mos.defaulter palang ako ng mcc,nagpunta na agad messenger ng CA sa office namin dala demand letter...

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  3. Kaloka ka, Ultado! Got my first ever demand letter from him for my MCC defaulted card. Same old banana — RA 8484 — saying I’ve been avoiding their calls, evading personal visits, and transferring residence. Hello! I haven’t received any call nor personal visit from them and I’ve lived here for 24 years and have no plans of leaving home. Ano yun? Ma-RA 8484 lang?

    ReplyDelete
    Replies
    1. Beshie,
      RA 8484 or known as Access Devices Regulation Act of 1998.
      The law penalizes you only if you are using a fake card or u fabricated it. It also applicable to a person who applied for cc using a fake identity which is classified as fraudulent act :-) Madalas panakot yan ni comedians:-)

      Delete
  4. Good day po Banker & Diskarte Team, yung MOLAER LAW Office, may nagtext po kasi sakin, na due and demandable in full amount na po ang MCC cc ko, ask ko lang po law office ba sila or collection agency lang din? Thanks po

    ReplyDelete
    Replies
    1. Law office/CA sila. They handled my MCC account for only a month— email, calls and texts lang.

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  5. Thanks po sa reply Beshie, anu po ginawa nyo ignore lang din ang emails, calls and text nila?

    ReplyDelete
    Replies
    1. They sent me payment options which I couldn’t afford, so I told them directly that I was dead broke. Then my account was transferred to Vision and same thing, nothing happened. Email, text and calls lang. Now it’s with RGS (Ultado).

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    2. hi thea here,,, good day all diskarte.. any idea po regarding vision, is it a collection agency or a law firm? thank you

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  6. Thanks much po sa reply Beshie, they required me to call to their office, w/c I'm still thinking if I will do so...

    ReplyDelete
    Replies
    1. Call only if you have not read the title above. chill

      Delete
  7. Yes Banker, thanks po sa reply, ang dame ko pong natutunan sa inyo kakabasa dito, GOD Bless po!

    ReplyDelete
  8. Hi po Banker may question po ako regarding sa cc ng tito ko, 14 years na sya defaulter and after 14 years may nagpadala ulit sa knya na demand letter posible po ba na nakita same address kami? Possible din po ba nabubuhay ang mga ca kahit lagpas na ng 10 years?

    Confused Girl

    ReplyDelete
    Replies
    1. Statue of limitation i think is 10 years... It is considered a loss sa bank na ibinawas na sa taxes na babayaran nila... Hello sir banker and mam cherry and to rest of team diskarte...

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    2. @confused girl, yeah tama si ramon delgado
      -but you see...even the bank has no idea when one defaulted and ang alam nila is to endorse one's account
      -pag nakalusot and nag-bayad ...de ang saya
      pls. tell tito to just ignore the resurrected kotong-collector

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    3. Mam cherrylou, pde po mahingi
      Ang email nyo. belinda.cruz710@yahoo.com. salamat po.

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    4. hi my email add is cherrylou2015@yahoo.com
      and you can email me anytime po

      Delete
  9. hi banker,

    may CA na nagmessage sa akin sa FB and apparently pati sa ibang kakilala ko regarding my pending document daw. when i called sinisingil nila ako ng 30k dun sa hindi ko nabayaran na CC. she sent me the copy of my soa. ang last bill ko was 29k with all the late charge and interest which is almost 12. so lumalabas na almost 18k lang talaga ung dapat kong bayaran. sabi ko i will settle for 15k pero ayaw pumayag ng CA insisting na marami daw akong transactions and 36k daw ang dapat ko bayaran. if gusto ko daw bayaran 15k bahala daw ako pero d daw maclose ung account ko. any advise? thank you po. RGS din po yung nagbigay ng letter

    ReplyDelete
    Replies
    1. hi can i share some thought
      -rgs is notorious for being a bully
      if ayaw pumayag sa 15k... then don't pay
      -it's their lost...not yours

      Delete
  10. hi banker,

    may CA na nagmessage sa akin sa FB and apparently pati sa ibang kakilala ko regarding my pending document daw. when i called sinisingil nila ako ng 30k dun sa hindi ko nabayaran na CC. she sent me the copy of my soa. ang last bill ko was 29k with all the late charge and interest which is almost 12. so lumalabas na almost 18k lang talaga ung dapat kong bayaran. sabi ko i will settle for 15k pero ayaw pumayag ng CA insisting na marami daw akong transactions and 36k daw ang dapat ko bayaran. if gusto ko daw bayaran 15k bahala daw ako pero d daw maclose ung account ko. any advise? thank you po.

    ReplyDelete
  11. Banker what if malaman nila my business ka at may kkyahang magbayad pero ayoko magbayad.. ok lang ba yun??

    ReplyDelete
    Replies
    1. @anonoymous... same case po tayo, our small family business is under my name as in sole proprietor... pero parang by law wala naman din magagawa eh.

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    2. Thank you banker.. nangugulo lang sa FB business page ko..
      Pero gngmit nila dummy account.. nkakainis lang..
      baka dahil sa pangugulo nila humina ang aking kbuhayan

      Delete
    3. the more you entertain them and promise to pay the more they will just hound you and bug you. I realized, even if I want to pay the bank off, collection agencies are not the proper source of your financial statements, plus collection agencies actually do not have the proper documents to collect. Strictly speaking they should be furnished a power of atty to collect. Do they have that document? wala. And so why should i bother listening to them?

      Delete
    4. Korek po kayo jan i ask yung Mayflor Saladino from eastwest raw siya for my SOA sinend sakin picture nung nasa right top na billing. Sabi ko SOA yung kasama mga charges

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  12. Banker can i ask for ur email suer depressed to the max. Cno dto nkaencouter sa 24k consultant Inc

    ReplyDelete
    Replies
    1. See "profiles" or
      Post your CP number here
      but it will not be published

      Delete
    2. Anonymous-Who you?
      24k consultant Inc. is a CA's :-)
      Avoid stressing and overthinking ikaw din :-)
      Huwag silang patulan say the magic word of banker
      and watch their reaction :-)

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    3. nka ako ng FINAL NOTICE from 24k consultant. My cc was from BPI. i went this morning to bpi to ask if maybe pwede ba staggard yung pagbyad ko ng debt ko.. but sad to say wla man lng maisagot ang officer na naka usap ko.. ang sabi nya ipapatawag nlng daw niya yung legal nila para mka usap ako.

      Delete
  13. Helo po goodpm po.ask lng po ako meron po.akong ccc ewb n d ko.n din po nbabayaran since 2013 kanina po my tumawag media daw cla phil daily tribune publish daw nla ako sa dyaryo kpg dko taw tnawagan c atty. Fuentes.. totoo po ba ito..slamat po

    ReplyDelete
    Replies
    1. Atasha28,
      Lumang style na yan ni comedians :-)
      Phil daily tribune? para phase-out na cya :-)


      Delete
  14. @atasha28 next time tumawag po sila sabihin mo, bakit hindi sa t.v na lang? ABS? GMA? TV5? name it go lang. mam pag tuunan niyo na lang po ang mas importanteng mga bagay thanks! TC!

    ReplyDelete
  15. Good morning po Diskarte team. (banker & ms cherrylou) - may pa-comedy lang po ako, kahapon may tumawag na PNB sa akin, sabi ba naman... sa uulitin wag kukuha ng credit card na di naman pala kayang bayaran. Di ko nalang sinagot at binaba ko nalang phone hehehe. Tapos yung CA naman ng MCC ko 4 times tumawag ako naman sinagot kong lahat. Eh usually po ang mga natawag sa akin natatapos sila ng 5pm. Aba kagabi tumawag 6:30pm na po. Kako iha alam mo bang pang lima ka na sa tumawag today, hindi ba kayo nagte take note sa pc nyo na ang sagot ko'y wala pera at imposible namang within the day eh nagka 170k ako, so nag sorry sya. Pero di lang po yun, ngayong umaga 8:30am sila rin kaunahang tumawag sa akin, so sabi ko tingin mo ba sa magdamag na nagdaan naka delehensya ako ng pera? Sabay sorry naman nila. Natatawa na rin lang po ako sa ganitong eksena. Araw araw mga 10 cols different banks pero tina-tyaga kong sagutin para lang hindi magpunta or mag FB kung kanino. Have a good day po!

    ReplyDelete
    Replies
    1. @lynne, hi yes with the crooks we have to have tons of patience
      mag-maganda ba na sermonan tayo...bakit sya ba creditor
      eh simpleng collector lang naman sya ah... and if i know, trained sila to harass/bully defaulters and yun ang di nila alam na kung nicer ba naman sila (authorized and fair ang demanded amt.) for sure mag-babayad tayo
      we defaulters just needed time na mag-bayad
      now these crooks wanted yata a miracle to happen na ma-produce natin yung hundred thousand psos in a blink of an eye
      -kaya nga defaulter, kasi naging limited yung access sa funds and minsan wala na ngang money eh... haist naku

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    2. opo ms cherrylou, sabi pa nung isa sa akin, eh dapat aware kayo na mapupunta ito sa legal office at ang susunod na tatawag sa inyo ay ang abogado namin... sabi ko eh kahit idemanda mo ako at wala naman akong ibabayad sa inyo, anung magagawa ko? Tapos yun po inis na inis silang ibababa ang phone. Sabi pa paki update ng contact number, kako wag kang mag alala naka plan ako sa smart at di ko maiipaputol ito kaya matatawagan mo ako araw araw hehehe! Hay naku ms cherrylou, pasalamat pa rin po ako kay Lord at natagpuan ko ang blog na ito. Salamat po tlaga sa inyong lahat

      Delete
    3. Lynne,
      Hindi ka nag-iisa :-)
      Go ahead sue me...kahit mappunta pa yan sa low office :-)
      What a pity lawyer? :-)

      Delete
    4. @lynne, ay di naman tatawag sa iyo ang lawyer... bluff lang yun para mag-comply ka sa offer nila
      and just tell them to do what they want to do...just to get them off your back

      Delete
    5. Hello Dhastan & ms cherrylou, opo so far mula nung last call ay wala pa namang lawyer na tumawag, puro CA pa rin. At madalas na po silang inis kc sobrang limited na akong sumagot ngaun. Di gaya dati na may explanation pa ako, ang sagot ko ay YES or NO lang. Pero yung UNION ko nataasan ko ng boses, sabi ko daw kahapon eh ngayon ako magbabayad (kahapon po nanyari) so tinaasan ko boses ko sabi ko, paki review ng calls natin since sabi mo recorded. Wala ako ni minsang binitawang petsa ha! Pagka ganitong singkwenta pesos nalang laman ng wallet ko. Tapos sasabihin mo nangako ako! Tapos ayon nag sorry naman sya at nakiusap na magbayad ako. Eh di huminahon ulit ako kako uulitin ko, pag may pera na ako babayaran ko kayo. Ngayon kung sa oras na ito ang usapan, sabi ko nga sayo kanina fifty pesos nalang pera ko, panu ko kayo babayaran. Hay ang buhay ng defaulter! Buti nalang may blog na ganito, thank God nakakahinga kahit mautang hehe! Happy weekend pa rin po sa inyo.

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    6. @lynne, hi yes these comedians are sooooo desperate and always have this habit of putting words into our mouth para lang mapilit tayong mag-bayad
      -kung di ba naman sila waley... magiging defaulter ba tayo kung marami tayong money
      syempre naging limited funds natin due to financial problems or minsan tayo mismo na-lurkey na rin kasi we have been paying our dues relgiously and di man lang natagtag yung amt. due the bank...anyare
      juicecolored!!!
      happy monday and ilayo sana tayo sa mga lacoste

      Delete
  16. Magandang gabi po banker/ms. Cherry. Ask ko lang po if magkano po ang outstanding sa bankard bago magfile po sila ng case?

    Worriedme

    ReplyDelete
    Replies
    1. @worriedme, hi ako before 100k and i got the sum of money just within a year of being in-default

      Delete
  17. Good day banker, mam cherry and to all diskarte team... Lagi po sinasabi ng mga CA is sa bank daw magbayad using your account name and account number kaso ang di natin alam ay kanino mag credit yun payment natin which is sakto sa theme for today... God bless po banker at mam cherry and to team diskarte .

    ReplyDelete
    Replies
    1. @Ramon Delgado, or mag-bayad naman tayo to be credited to our account (less yung patong ni pesteng-collector) eh nalaman natin na di pala yun ang demanded ni defaulted bank
      -so ayun malamang na not all amount were credited and me utang pa rin tayo
      -and masaya defaulted account is again endorsed to another kotong-collector...lol

      Delete
    2. @Cherrylou de Jesus sabagay kadalasan sa iba daw is penny for a dollar sabi nila. parang for instance 100k debt mo kay CC tapos charge lang kay CA is 10% to 50% dun sa total amount which is 10k to 50k only, then mag harass yun mga CA and they double it up to 200k that that they will include attorneys fess sa total mo, then mag bigay sila ng promo discount to make it 150k all in.. kung magpadala ka sa harassment and promo discount kuno tiba tiba talaga sila...

      Delete
    3. @Ramon Delgado...tama
      or minsan yung discounted amount is the actual amount we owe the bank
      -hay naku
      para-paraan lang these cosplayers

      Delete
  18. Hi po banker and ms. Cherry, nakaka stress talaga tong mga ca. Nag pm cla sa fb ng husband ko na sabi pls. Advise ur wife to call us... Tapos kahapon dw sabi ng ka officemate ko before may tumawag dw police from our municipality hinahanap ako, sabi nla nag resign na ako last year pa. Wla nman kasi akng pambayad... Tapos last time yung ultado law office nagpadala ng letter sa brgy.nmin pinapatawag ako sa kanila to call my attention, ito namang mama at ate ko ni nerbyos nanghiram kami ng pera para pambayad sa account ko sa east west yun. Nung nabayaran ko yung account last 2016 until now wla akng natanggap na certificate of full payment. Kaya sabi ko sayang yung pera na binayad hiniram pa nmin tapos ngayon may ibang collection agency nanaman na nangungulit.

    Stressmom

    ReplyDelete
    Replies
    1. @stressmom...OMG malamang na-swindle po kayo ng pesteng collector
      -yeah kahit stressful ignore lang po the comedians
      wala naman pong forever with them
      cosplayers would come and go, so di po dapat seryosohin

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    2. Hi ma'am actually recent lang nagcall din sakin from atty roberto ultado or from rgs. They require mw to pay 9k atleast 50% nung 18k n nirerequire sakin. I already paid for it last monday thru ewb and thw remaining 9k will be paid this may, ask ko lang sana if mabbgyan aq ng certificate of full payment after paying the full amount? I'm a bit confused :( any comment please. Sabi kasi nila wala na tatawag sakin once ma settle na un is that true?

      Delete
  19. Opo banker na scam po talaga ako. Thankful nga po ako banker na nakita ko yung blog nyo atleast nabawasan yung worries ko banker. Medyo may pangamba lng po f pupunta sa amin yung nga police...

    Stressmom

    ReplyDelete
    Replies
    1. Anonymous-Stress mom,
      Walang matino pulis na gagawa nyan except si kotong collector na nag-papangap na pulis.
      Set an entrapment...Extortion and Usurpation of authority :_)ang kaso nyan.

      Delete
    2. @stressmom, pramis, wala pong pulis-patola na pupunta sa inyo and kung meron man
      kasabwat po yun ni pesteng-collector

      Delete
  20. Good Morning Ms Cherrt at Mr Banker

    Share ko lang po at pa advice naman before kasi my papel na makapal na dumating sakin what they called summon ekek po pero d ko po talaga sya check kung legit ngayon naman my Motion for Declaration thru LBC anu po kaya to?okay po ba ignore ko lng ito? Salamat po ulit
    Godbless you all!!

    ReplyDelete
    Replies
    1. Ako din po may summon pero wala naman ako ginawa di ko sure if totoo. Then may mga kukunin daw ako sa post office im sure summon din po yun. Bago ko lang narinig yun motion for declaration. Please enlighten us sir @banker and Maam @cherrylou and sir @dhan

      Delete
    2. @ Jo, hi from what i understand that motion for declaration is for small-claims court
      -now ok lang to check kung legit by going to the hall of justice na nag-issue ng summons
      -in my experience before, i called the court na nag-issue ng summons for my peace of mind and para aware din ako sa diskarte if ever na legit si sum of money case
      -i never bothered to attend the hearing
      pareho din lang
      it's like pay when able (i did not keep bank accounts, payroll lang and never naman na-garnish-exempted po for execution
      -summons are thickish with a number of attachments

      Delete
  21. Hello po sa lahat. Same lang po ba process ng default sa credit card kapag na defaulter sa cooperative loan? Thanks po.

    ReplyDelete
  22. Gud pm. Mam cherrylou & banker.
    Deliquent po ako s metrobank. Kya lng po nabuhay po sila uli, parang nakuha po nila yng info ko home credit. Connected po kya sila dun? Kung sakali man po ano pde nila gwn. Mtatapos n po kasi yng HC ko by June.

    ReplyDelete
    Replies
    1. hi pls. don't worry, mcc has no connections with home credit
      -malamang naisipan lang mag-endorse si collection dept. to the 3rd party c/a
      -no big deal and pls. focus on basic needs of the family

      Delete
  23. GOOD PM BANKER AND MS CHERRYLOU. MERON KC PO CA NA KOL PO NG KOL SA AKIN WALA PO LC AKO CAPACITY TO PAY PRO NAGHAHANAP NAMAN PO AKO PAGKAKAKITAAN. KC PO BALAK KO KAHIT PAINTI UNTI BAYARAN KASO UPON PAYING 20K HINAHARASS N PO AKO NG COLLECTOR. NEED TO PAY DAW PO AKO SA MONDAY KAHIT 17K E WALA PA PO AKO GANUN THEY ARE THREATENING ME NA PUNTAHAN AKO SA HOUSE NAMIN E UN MOM KO PO SR CIT NERBYOSA D PO B PWEDE KO PO SILA IREKLAMO SA BSP FOR UNFAIR COLLECTION PRACTICE KUNG PATI MAGULANG AT KAMAGANAK KO IDAMAY P NILA?

    ReplyDelete
    Replies
    1. hi yes the crooks will move hell just to make you pay kasi nakita nila na kaya mo pala mag-initial payment ng 20k
      -sure by all means have the pesteng-collectors blottered for harassment
      and i guess you need to orient mom and family about the crooks para alam nila on how to deal with them
      -again, rule of thumb ni banker to "never allow the crooks to control our life and wala pong forever with the pesteng-collectors
      -if no choice but to take their calls. just make convo as brief as possible

      Delete
  24. Good morning banker and ma'am cher. Ask ko lang po sa ngaun po kc yun debt ko s cc is d ko p mabayran at me sakit po ako uncontrolled bp and heart enlargement the CA is asking me a medical cert kc nga po d n ako nakakabayad at no job po ako ngaun. Is i necessary n magnigay ng med cert.Dalas po nila follow up lalo nalala ang bp ko at stress d po sila nakakatulong sa akin.
    Help po what to do?

    ReplyDelete
    Replies
    1. Kasuhan mo na lang ako. lol!
      scam. never believe.

      Delete
    2. Good day po..

      Early this month po kinukulit ako ni Ms. CA. 6 years na akong defaulter. Almost 100k na daw ang utang ko pero mag pay nlang ako nang 36k within this month. Napag isip ko na wky not bayaran ko na ngayon utang ko. Willing ako mang bayad nag 20k agad2x para lang ma free na ako sa utang. Pero ayaw nia eh.. I told him the reason why nag default ako. In and out kasi ako sa hospital from 2012-2017. Sabi naman ni Ms. CA na mag bigay ako nang Hospital bills, Clinical abstract, med cert para daw ma grant nila ang request amount ko.. Buti nlang may na keep akong mga docs even certification from the government na humingi ako nang medical assistance so sinend ko ni Ms. CA. Pero waley eh.. even may mga proofs na decline pa rin. Due today April 30 dapat magbayad daw ako nang 30k.. E wala na akong pera kasi nagkasakit na nman ako dahil sa stress huhhhuhu. So kahit mag bigay kanang med cert mo baka walang kwenta din kasi gusto nila mag bayad parin tayo. :(

      Dapat unahin mo na natin health natin po. :)

      Get well and take care po...

      Delete
  25. Laki pasalamat ko talaga dito.. tumawag ma ngayun yung Alexis Moloer.. mejo mayigas si si Ate sa paniningil...HSBC card ko 180K na daw utang ko.. alam ko 120k lng yung last bill..

    C: so wala po kaya balak ayusin at sanay na po kayo sa mga utang
    Me: ma’am kung wala po ako balak ayusin hindi na sana ako ng submit kay HSBC ng mga payslip para mapasok sa settlement.. kaso po need nila ng co-maker eh wala ako makuha...
    C: kailangan nyo po muna mag bayad ng 32k para ma enroll sa settlement..
    Me: kahit patayin nyo ako ngayun wala ako mababayd n ganyan kalaki
    C: so ano po balak nyo?
    Me: kaya ko mag bayad ng 2k per month hangang matapos utang ko..
    C: hindi po pde yun.. so wala kayo balak ayusin..
    Me: actually po ng pa advise nko kay Atty Belmonte dit sa free legal consulatation, sabi pag wala talaga pambayad antayin ko n daw sa court since wala pa nman 200k yan utang ko..
    C: alam po b ng Lawyer yung sinsabi nya, hindi po ganun kadali yun..
    Me: hindi naman po siguro magiging lawyer yun kung simpleng civil case d nya alam..
    C: cge po ma’am recorded po ito, para alam po nman next step namin..
    Me: ok salamat.. recorded din po ito..
    C: god bless po..

    Share ko lng first encounter sa CA..

    ReplyDelete
    Replies
    1. @Zen, hi ang funny naman ng convo with the crooks
      at nag-maganda pa huh
      well the bitch is really moving hell just to make you pay
      -and sorry na lang you are much wiser than her and definitely alam mo yung rights mo

      Delete
  26. Hello ulit diskarte team. Banker, dhastan & ms cherrylou. Eto po at sabadong sabado ay may pa-comedy na naman at hiniritan na ako ng RA 8484. Gusto kong replyan ng meaning base sa info given dito at sa mga research ko kaso hahaba pa kaya delete ko nalang hehehe. Happy weekend!

    Good Day!
    Regarding your BDO Account, We demand you to pay Today, April 28, 2018 amounting Php 4,000. atleast 1 month past due Otherwise, your account will be possibly endorse for legal action without any further notice or demand under R.A 8484 or defrauding of creditors. We trust that you will give this matter your preferential attention. Kindly disregard this message once payment is done. Thank you,

    ReplyDelete
    Replies
    1. @lynne, hi yes that's the usual b.s. from the comedians
      know what before, i used to email defaulted banks about their threats bout r.a. 8484 and yun wala din pong matinong sagot and lately ko lang nalaman na yun pala yung usual panakot nila sa mga walang muwang na defaulters...tsk tsk tsk
      -buti na lang, heavent sent si banker and we became more wiser... so to speak

      Delete
  27. Hi discate team silent reader ako ng blog n ito..ask ko lng nsa 400k ang cc utang ko s mcc.sobrang stress pagkausap mo cla.nwalan kc me ng work last year Nov 2017..
    Mam cherrilou at sir banker.
    Nagffile b cla ng Case?
    Nsa 5mos nko default.
    Slamat discarte team
    Boy alas po ito..

    ReplyDelete
  28. good am, silent reader po ako..kahapon sabado tumawag Citibank s office,ang minimum due ko po kasi nung aprl is 18k ngbayad lng po ko Ng 8k dhil gipit, after ilan days may tumawag n sakin to settle ung kulang s minimum,then next day nakapagbayad ako Kaya lng 6k lng,kulang p rn..after 2days nagtry ako gamitin ung cc pero hold n pala,d ko n nagamit..sa may ang due amt ko is 33k kasama late charge,finance charge at credit shield plus,pero d ko mbbyaran un kasi lipat n ko Ng work at hold ang last salary ko..sa madaling Sabi madadagdagan n nman ang bbyaran ko next month at may mga comedian n mgffollowup saken, sasakit n nman ulo ko pag iisip nito..hayst,
    -payatz

    ReplyDelete
    Replies
    1. My reply?
      Please read the title above and read the article afterward

      Delete
  29. Gudevening sir banker and mam cherrilou..ask ko lng meron nagvisit s akin ngaung umaga regarding s cc default ko s MCC nbsa ko s blog n ito received at khit saan pirmahan..
    Nsa 5mos nko n default sobrang stressful twag d2 twag dun..
    Nsa 400k ang defaulted amount ko.
    Any idea po s discarte team ang pde p mangyari s akin? Magkkroon kya ako ng Case? Nwalan ako ng work nov 2017..
    Boy alas..

    ReplyDelete
    Replies
    1. @boy alas, hi kalma lang with mcc
      when newly defaulted with cc/loans pls. expect madalas ang paramdam ng mga comedians
      but as days/months/years would passed by mababawasan din po contacts ng mga cosplayers
      -and for now just ignore and someday pag ok na ang finances ok lang po to deal with mcc directly and settle our past due
      happy monday

      Delete
    2. Thank you so much s advice khit ppno n releived ako..ndi ko nman tlaga gusto m default nwlan ako ng trabaho wla ng source of income.
      At xpenses nlng s bhay ang inintidi
      Ko..maraming slamat tlaga s blog n ito pagnagbabasa ako nwwla ang stress ko..Nbasa ko rin n meron kau
      Eb yearly..hoping mka join ako s inyo..Godbless
      Slamat mam cherrilou at mam/sir joe guisadio at sir banker..
      Boy Alas.

      Delete
    3. Hello all!

      Just today, I received an email from MCC or rather a CA in behalf of MCC. They even said that since I have already enjoyed the benefits of the card, it is time to pay. lolz.

      Actually, since I defaulted 4 years ago, this would be the first time that I got an email from a CA/law office.

      I have come to a point that when I read emails of this sort, I just delete and move on to the next email.

      In real life, if we make a mistake, learn from it and move on.

      Dukie, you fellow defaulter.

      Delete
  30. dear boy, mayroon din akong utang sa mcc mga 300k. mga one yr na, at wala nang nangungulit ngayun sa akin, sayo 5 mos palang, hayaan mo nalamg. mawawala din ang mga ca pagdating ng araw at wala pa akong nalalaman na nadidemanda sa mcc.... joe guisadio






    ReplyDelete
    Replies
    1. same situation po ako, mcc din, 7 months..unti unti silang nawawala.. after 6 years na pasakit saakin, wala akong naipon and everything dahil lagi kong tinatry bayaran pero di na tlga kinaya. ngayon nagfofocus ako sa finances ko as advised by banker. unti unti sana makaipon pa ako. i will deal with them in the future (if legit syempre). thank you everyone, banker at ms cherry.

      Delete
  31. hi ms. ana beatriz,defaulter din ako ng mcc bago palang,ask ko lang kung may nagvisit sayo sa hauz nyo or sa ofc?..

    ReplyDelete
  32. Hello Pips,

    Just want to share something:

    Sequence of events:

    1.Kaye Domingo from Civil Service Commission informed me that someone is suing me and I needed to call this lawyer from Ultado Law Firm.

    2.Atty. Jose Benavidez answered my call. He told me to pay my outstanding balance of 49K. According to him, it amounted to 49K because the last payment was received June, 2003. Yes, 2003!

    3.I asked for documents verifying my debt. Gave them an email address. It was a demand letter from Ultado Law Offices.

    4.I did have an outstanding balance but it was not from RCBC, it was from China Bank. I don’t really mind paying but I needed to know how secure and safe paying them. No account number, no account name, no thing to show.

    5.This started my curiosity. I researched and found this blog. Voila! Learned a lot and now I am equipped. THANKS BANKER!

    6.So, another CA with the name of Faye ( same voice but different name called). I simply told her, sorry but you’re a scam. She raised HELL on ME. “Ang yabang yabang mo, wala ka naman pambayad!”. I hanged up and received a text message about AMNESTY.

    7.This morning, again, my staff received a call and warned that they are coming over to see me.

    8.Sa akin lang, saan ba nakakakuha ng katigasan ng mukha ang mga taong ito. To prepare, I informed everyone in the office to tell them that “ The person you are looking for is ready to see you in court.” (I really want to see the end of this.)

    Good day peeps and Thank you for reading my blog.

    ReplyDelete
  33. Slamat s sagot mam cherrilou at sir joe..pxenxa n late reply medyo buzy naghhnap ng raket..very thankful tlaga ako s blog n ito..as of now 2x p lang cla tumawag ngaun..to my fellow defaulter keep on praying n mtapos n lhat ito..think positive.
    Slamat din po s inyo banker..
    @boy alas..Godbless

    ReplyDelete
    Replies
    1. @boy alas, most welcome
      yes for now hanap muna tayo ng raket para sa ekonomiya ng family
      -and from what i have observed, after sometime nababawasan din po paramdam ng kotong-collectors

      Delete
  34. Hi Banker and Cherry Lou. After a long while, meron nag-email at nagpadala ng letter sa bahay ko from two different collecting agencies, two different defaulted accounts. Naisip kong sagutin just to have proof that I have not abandoned my residence and can be contacted at the same email address. Hihingan ko lang documents to verify yung utang and let them know na wala talagang means to pay. Should I do this for my main reason or best to ignore na lang talaga? Salamat in advance. - Maria

    ReplyDelete
    Replies
    1. @Maria, hi if i were you just ignore
      -won't really help and no amount of explanation will make them understand...crooks just after our payments for their commission
      so for now, pls. focus on basic needs

      Delete
    2. Salamat, Cherrylou. - Maria

      Delete
  35. Hello Diskarte, I need your advice po. May dalawa po ako CC isang BDO and BPI..

    BDO CL 215k
    BPI CL 120k with 250K Madness limit as of Nov 2017

    Last payment ko po kay BPI is November 2017 pa. Last Monday I received a letter from BPI na ieendorse na account ko sa SP Madrid is di ako makabayad until May 3. I read here na si BPI is nagdedebit din sa payroll. Sa new company ko kasi, BPI ang payroll. And I dont want that to happen.

    Now I decided to call BPI ang magbayad na. I think na maxout ko si CL ni BPI + yung 250K madness limit due to Credit2Cash. Nakapag bayad ako for 15 months sa credit2cash ko.

    Ang hinihingi saken ni BPI para wag ma endorse account ko is one time payment na more than 85K. I think kaya ko gawan yung ng paraan ang one time payment na 85k. Ang worry ko is sabi kasi saken ni collections department ni BPI, once nabayadan ko na yung one time payment, ibibill na daw saken ang credit2cash ko in full + charges. Then pwede ko na irequest na ipa installment ng remaining tho pag pinainstallment ko, macacancel si card ko permanently. Kapag di ko pina installment, iaactivate nila ulet card ko. Sa tingin daw ni ate (collections), papatak sa 300k ang credit2cash ko kapag na bill na in full though hindi sya sure kasi sa 7th pa yung cutoff ko, dun ko malalaman kung magkano talaga.

    Ang problema ko kasi yung BDO card ko utang ko sa kanya is more than 200k na ang I'm paying mga 30K a month. Above minimum.

    Since mabibill saken ang 300K ni credit2cash + 30k monthly ko kay BDO, I think di ko sya kaya bayadan monthly. Ako din kasi ang breadwinner sa family.

    Question ko po is ano po sa palagay nyo, bayadan ko si BPI ng one time payment + yung monthly installment kay credit2cash or ibayad ko na lang lahat kay BDO para lumiit na utang ko kay BDO? Naguguluhan po kasi ako, pasensya na kung mahaba ang kwento.

    ReplyDelete
  36. @Harris Teeter, hi having been in-default Nov. 2017, i guess mae-endorse na nga sa third party na yung account mo which is SP Madrid
    -sa totoo lang, one month in default pa lang bpi and bdo is 3rd party c/a na ang magha-handle but once mabayaran, one's account will be current uli/meaning pwede uli magamit ang card

    -yeah have heard na yung ibang defaulter pati payroll account na auto-debit daw... and yung iba hindi naman daw ( i guess swertehan lang ang pag-auto-debit...that is once ma-tagged ng system yung account
    -guess tamang diskarte is to withdraw the full amt. as soon as salary is credited or request your hr if you can get your salary in cash
    -well, i can see na you will struggle paying your bpi, mabayaran si 85k and then mahirap na yung sa installment
    -for me, if you can come up with a big amount, better pay bdo para lumiit ang amt. due... doing that you will be able to survive ( rather than being in default with bpi and bdo who are both filing for a sum of money case) being ok with bdo possible na magka-sum of money case ka with bpi... for me, no big deal
    wag lang po mag-keep ng bank deposits (except payroll and pension account)
    hope this helps... and sorry sa mala-nobela kong comment and again na iyo po yung ultimate decision

    ReplyDelete
  37. Hi Ms. Cherrylou, I decided na wag na lang bayadan si BPI and just focus na lang sa BDO. Na realised ko kasi na hindi ko din kakayanin bayadan sila ng sabay. Thanks sa advice po. hehe

    ReplyDelete
    Replies
    1. @Harris Teeter, most welcome
      yes, we can only do one thing at a time
      -by doing so maa-ayos ang problem mo with bdo
      and just deal with bpi at a later date (i.e. pag me budget na...)
      happy weekend

      Delete
  38. If defaulter ba ako dito sa Pinas di na rin ako makakapag apply ng credit card sa ibang bansa? For example nag-migrate ako sa Canada. Makikita kaya nila yun? Thanks po

    ReplyDelete
    Replies
    1. hi as per earlier posts, yeah there's a possibility na makita defaulted account (lalo na't international bank)
      -but you can still give it a try
      iba naman po ang credit body ng pinas

      Delete
  39. Hi ms Cherrylou and diskarte team. Monday na naman so pagtungtong ng 8:30am inaasahan ko na naman na dadagsa ang calls ko mahina na ang 10 calls a day, yung ibang bank kasi ba naman po nakaka 3 calls eh same bank lang naman patawa po talaga. Pero ma kwento ko lang pampatawa sa lunes ng umaga. Last week naka received ako ng call from CA ni BDO. After kong masabi na wala akong magawang paraan kasi sa ngayon ay kulang rin ang kinikita ang sabi ba naman nitong si Joe geronimo ng admerex eh "so ganun nalang yun, wala ka nang gagawing ibang paraan, wala ka bang pedeng mahiraman" sabi ko "hindi ko gagawing mangutang para magbayad ng utang lalo lang akong mababaon dyan" sabi nya "eh panu yun ganun nalang yun wala ka ng gagawing paraan" nayamot po ako kasi feeling ko dinidiktahan ako kaya sabi ko "anung pangalan mo Joe diba? Joe etong sasabihin ko, kung ikaw ang nasa katayuan ko at magkautang ka at madesisyunan mong ipangutang para makabayad sa utang eh nasa freedom at prerogative mo yun! pero ako hindi ko gagawin yan at wag mo kong diktahan, ang sabi ko babayaran ko kayo kapag may pera na akong pambayad, goodbye" - Hehehe! Yun lang po, hindi naman ako mataray sa mga CA, lahat sila tina-tyaga ko, wag lang tlaga sobrang sobra na sa limits ko. May you all have a wonderful week ahead.

    ---- Lynne

    ReplyDelete
    Replies
    1. @Lynne, hi good job
      yes madaming ganyang comedians
      yun bang wagas kung makapag-suggest
      -mabayaran lang sila
      ano sila (the crooks) masaya
      and sabi nga nila borrowing money na wala naman talagang funds para maka-bayad is a form of estafa...tsk tsk tsk
      and in our case, kung na-default man tayo... promise di natin ginusto
      happy weekend lynne

      Delete
  40. banker good morning po sa inyo share ko lang karanasan ko sa credit cart ko.jr po eto may account po ako sa kilalang banko join account kmi ng miss ko.yun una na babayaran yun utang namin sa credit card.kso sa ksamaan palad na wlang po ako ng work so yun saving nmin ng miss ko sa banko.nilalaan nmin sa pag aaral ng anak nmin.khit pano meron kmi small na business last 2yrs ago.kso hindi rin pinalad.yun nagcheck kmi sa banko ng gabi para sa pang enroll ng anak ko yun saving nmin mag asawa na bawasan ng malaki ksi may 200,000 pa kmi sa banko ginalaw ng banko ng wlang abiso sa amin depositor.dhil sa mga interest ng banko change nila halos 58k po na kuha nila sa pera nmin hindi mapaliwanag ng maneger ng banko sa amin ang sbi ang kumuha raw credit collection.at ang sbi pa kakarating lang daw ng letter sa kanila.yun account daw nmin.ay na kaltasan daw.kya sa sobra init ko yun na titira pera nmin sa banko na yun witdrow ko.ang tanong ko lang po banker maykarapatan po ba sila kumuha ng saving namin na hindi nmin alam.at yun miss ko ang kinuhaan nila ng malaki.khit join account kmi.kya sa sobra init ko khit utan ko sa credit ko na pareho kmi hindi ko na binayaran quites nmin khit mag pumunta ka dito pa nagaabot ng sulat na final demand letter atty pa sila.thank u banker.

    ReplyDelete
    Replies
    1. @Jr, hi is the savings account with the same bank na meron kang defaulted cc
      -if yes, authorized si bank to subject your savings account to auto-debit
      -as per the terms and conditions in the issuance of creditcard
      -so not sensible to keep bank accounts where you have a defaulted cc/loan

      Delete
  41. Dear Banker, Ms. Cherry

    Ask ko lang po kung kasama po sa garnishment ang mga ito:

    -stock market account ni defaulter COL Financial Acct po in particular.

    -joint account defaulter as the primary naka or si joint account holder

    -house and lot under the name of the defaulter

    Thanks po in advance, more power po sa inyo and team marami po talaga kayong natutulungan na hinaharass ng mga CA.

    ReplyDelete
  42. @ Aj
    1. not possible, mahirap po hanapin ang investments natin
    unlike with banks, sheriff will just go to the main office
    2.sabi nila, for garnishment safe daw pag naka-joint account ang defaulter sa ibang tao (not to spouse...)
    3. family home is exempted from execution
    and spoke to a liaison office of a c/a (sila po ang corporate lawyer namin) and bank accounts lang ang hinanap nila for a sum of money case and normally once a month po ang reporting ni sheriff
    -so malamang kung waley sa first month, di na mag-e-effort si sheriff na mag-hanap... he too got thousand of work to cover

    ReplyDelete
    Replies
    1. thank you Ms Cherry. malaking bagay po talaga ang mga advise nyo.

      Delete
    2. @AJ, most welcome so kalma lang and focus on basic needs

      Delete
  43. Hi

    Good morning question lng po. Eto po kasing monato law office ng hihingi po ng promisorry letter sakin pra mabayaran ko po yung cc ko sa unionbank ng 150k ang gusto po nila mag bayad daw po ako ng 50k sabi ko po wla pa akong ganun money sinuggest po nila nag mag email daw ako ng promisorry letter? Hmm ano po kaya ang impact nun kung sakaling mag sesend po ko ng letter sa knila or ndi. Salamat po

    ReplyDelete
    Replies
    1. @Francis Allan Dizon, oh that's bullshit
      why would you email the bank/pesteng-collector the promissory note... eh defaulted ka na nga
      -lumang style na po yan ng mga comedians
      no need to send email
      -mas lalo kang ibu-bully ni pesteng collector

      Delete
  44. if i want to settle my cc account .ano po ang tamang process? sa mga collector ba o sa bank makipag usap. thank u.

    ReplyDelete