Sunday, April 01, 2018

Seems Legit




METROPOLITAN TRIAL COURT

Expect our official commo to issue your COURT ORDER (Bench Warrant) exactly 4pm MARCH 23, 2018, together with Sheriff to issue Writ of Preliminary Attachment to garnish your real and personal property at CURRENT ADDRESS
Please be infom for your voluntary surrender to avoid commotion at your area.

TO VERIFY:
-MS YOLANDA PASCUAL
09353371570/02 2619858
Clerk of Court-III
METROPOLITAN TRIAL COURT
Sent from my iPhone

Things You Should Know:

A bench warrant is  a writ issued  by a judge especially for the arrest of a person who has been held in contempt, has disobeyed a subpoena, or has to appear for a hearing or trial for CRIMINAL CASES.
The provision on bench warrant is expressed under 
Section 9, Rule 71 of the Rules of Court : 
"when a respondent released on bail fails to appear on the day fixed for the hearing, the court may issue another order of arrest or may order the bond for his appearance to be forfeited and confiscated, or both."  

PREMILINARY ATTACHMENT OF PROPERTIES

An action for the recovery of a specified amount of money  arising from a contract against a party who is about to depart from the Philippines which intent to defraud his creditors, or selling/transferring properties for that same purpose ;
  


323 comments:

  1. Hi Banker, when you’ve defaulted on your credit cards but haven’t been sued, can you still transfer ownership of your cars to your child? Or will this constitute defrauding of your creditors?

    ReplyDelete
    Replies
    1. it's just an ordinary transfer.
      iba yung when you are transferring your properties
      left and right. suddenly, your properties are selling like hot cakes? very obvious and unreasonable.
      lol!

      Delete
    2. Hi banker this is kenny ask ko lang po sa bdo ako may default cc this month lang po inaalala ko lang po meron akong existing car loan sa rcbc at 2020 pa ang tapos nya maapektuhan po ba ung pagkuha ko ng or cr sa release ng rcbc bank kahit bdo ang default cc ko? Thank u po sa sagot

      Delete
    3. Bdo default here maapektuhan ba ang auto loan ko sa rcbc 2020 pa kasi matatapos magkaka problema po ba ko sa pag release ng or cr ng car ko sa rcbc kahit bdo ang default cc ko. Salamat po this is kennny

      Delete
  2. Thank you for this Banker. Another ammo against the kotong collectors. Hehe.

    More power and God bless you always Banker.

    ReplyDelete
  3. Hello banker mam cherylou and the rest of the diskarte! mejo sad news re RCBC default card. Just quick story, when i got my cc from RCBC ginawa kong supplementary si mama, also my mom has a savings account sa RCBC, na default ako sa RCBC year 2017, but just this month my mom’s savings account got frozen! as per RCBC due to my unpaid cc, may P40K si mama dun, and she was disappointed and sad about it. Ending binayaran ko si mama ng P40K on the spot. Karma ko? i guess and kasalanan ko naman kung bakit. I reviewed RCBC terms and condi , sabi dun may liability din si supplementary! any comment bnaker about it? lesson learned and pls pass mga ka diskarte!

    ReplyDelete
    Replies
    1. @marc p. hi yes me possibility na ma-auto-debit ang account ni Mom since supplementary mo sya and nasilip yun ni rcbc

      Delete
    2. What if your supplementary has a savings account in another bank which is not your defaulted bank? In case of a court order, will this be auto debited, too?

      Delete
    3. Let us read the court order muna kung ka sama si supplementary CH

      Delete
    4. Happy Easter everyone!
      Maraming pakulo ngayon ang mga comedians para lang maka-commission. Panay ang tawag ang kahit nakapag-bayad na my tatawg uli s cel no. ng cc defaulter at mag-papakilala na hindi pa narreceived un bayad or hindi authorized un nkausap nya ng una-one of the experiences of new defaulter na nakausap ko....

      "Stop the bleeding" :-)

      Delete
    5. Correct po ang auto debit.. nangyari po yan sa aken aking checking account.. and worse tumalbog po ang aking cheke.. how sad muntik pa akong makasuhan sa bounce check

      Delete
  4. Hello banker, Maam Cherylou and the rest of the diskarte! I need advise po..
    Nag email ulit c mr. collector at sinabi ko na I am presently going through some financial difficulties and that I cant be able to meet the payments. Then hiningi ko po ang ff documents.
    A. Statement of Account.
    - latest and dated
    - how much is owed (principal, interest, other charges, expenses)
    - indicated covering period
    - signed by authorized signatory of the bank
    B. Copy of bank endorsement as required by BSC Cir. 702
    C. Collection arrangement between the bank and your firm.
    All of the above documents will be verified. This requests are valid. As per BSP Cir. 702 Series of 2010:
    I also told them that my employer does not permit me to be contacted at my place of employment and any attempt to contact me could cause me harm or disadvantage. Please communicate through email because it would be better and documented.

    at ito po reply nila.
    ------------
    Hi Ms. Justine,

    Thank you for your response regarding your unpaid obligation with the bank, however let me answer your list of request POINT BY POINT.

    First, you are very much aware that your account was so long overdue. Your account was written off way back January 9, 2012 so that makes it almost 6 years now that you haven’t settle any to your unpaid obligation with the bank. The bank had been very generous to you by sending Promo letters Statement of Accounts and the like, but to any extent, nothing happened. They even sent several or would I say lots of Demand letters but to no recourse, no response was made coming from your end. We personally don’t want to think nor presume that you have no longer the intention to settle this. The bank has nothing to do with your personal and financial difficulties, it was not indicated on the Terms and Conditions that once you faced difficulties, you will not pay them. I hope its clear.

    Secondly, If you are really in doubt, the effort of requesting for such documents should be coming from your end, you have the contact numbers of the Costumer Service hotline of the bank but i guess you didn’t made any attempt to do that. You may even verify to the bank that we are the one accredited to do transaction in their behalf.

    Third, It is in stated in section 27- Assignment and waiver of the MCC Terms and Conditions Governing the Issuance and Use of the Credit Card, that MCC shall be entitled without the conformity of the card holder to assign the whole or any part of its rights or obligations herein.

    Forth, Regarding the endorsement letter that you are requesting, please refer to the sale notification letter you received from the bank. Also, BSP has been notified about the sale. As per sale notification letter you received from MCC, your account shall be maintained and operated by COLLECTIUS. If you are not familiar with COLLECTIUS< We are a debt collection and receivables acquisition company with close to 20 years of experience in the South East Asian region. Collectius treats both our clients and theirs

    Fifth and lastly, Your kept contact details has verified as non existing contacts already so were left with no choice but to coordinate with your employer so we can establish updated contact details with you. And one more thing, it is you who declared your Employer as one of your Billing address so automatically and technically, we are bound to send any form of letters to that said Billing Address.
    Can we now proceed with the manner on how you wanted to settle this long overdue account? If you will insist on requesting the said requirements, we can provide you that but once we provide you those documents, you have no other option but to pay it in full whatever amount indicated on the Statement of Account.

    I will be waiting for your response, not doing so, you will left us with no choice but to contact you at your workplace. We are avoiding to cause anything negative at your end, we are just doing our job, which is to collect whatever you owe to the bank.
    ------------
    I dont know what to reply or to do next Pls help po.. thanks.

    ReplyDelete
    Replies
    1. Hi Justine,

      you may delete the email. Mag cause lang yan ng stress sayo. sabihin mo na lang na since wala ka pambayad, why not sa court na lang kayo mag usap para legal ang lahat at face off pa para alam at kilala mo kung sino kausap mo. Mahirap sa email at tawag madami kasing scammer ngaun..

      Delete
  5. Hello po Ms. Cherrylou/Banker /Diskarte Team.

    Matagal po ako di nakasilip dito dahil medyo payapa ang mundo ko. Pero kaina po in-issue sa akin ng BPI ung Court Order for Writ of Execution. Ano na po ang susunod? medyo nerbyos much na naman po ako. although wala na po laman acct ko sa bpi.

    Georgina Aguilar

    ReplyDelete
    Replies
    1. @ Georgina Aguilar, hi nothing to do- just don't keep bank accounts
      -and the legal-counsel (formerly the kotong-collector) might make paramdam and ask you for discounted amt. for one payment or can do terms- alam mo na the simple alibi na di ka-ma-execute (to be more precise, ma-garnish ang bank accounts)
      don't think sheriff will be interested with our old stuff sa bahay... what will he do with our old tv sets ???

      Delete
    2. Hello again Ms. Cherrylou, now the kotong agency are in my mailbox:

      Dear _ _ _ _ _,



      We received recently the court's decision regarding subject civil case.



      Although we had gone this far, we would like to assure you that we still
      prefer that this matter be settled the soonest possible time without the
      intervention of the Sheriff who is mandated to implement this decision after
      its finality. In this way, you may avoid the embarrassment attendant to the
      implementation of the decision.



      We are therefore giving you this last opportunity to discuss the matter.
      Please feel free to contact us at (02) 817 99 76 /(02) 892 83 80or
      09052535147 or 09475598409.



      Thank you and we hope that you will give this matter your utmost
      preferential attention.



      Sofia Z. Roque

      Saulog & De Leon Law Offices

      Units 1704-1705 88 Corporate Center

      141 Sedeño corner Valero Streets

      Salcedo Village, Makati City 1200

      Tel. Nos. 632-8136145/49; 8928380

      Delete
    3. hi ms. georgina! gaano katagal ipinadala ang writ of execution from the court decision? kasi ako waiting na lang din ng court decision. year 2014 ako napadalhan ng summons at hindi ako sumagot at hindi din nag attend ng hearings. Ngayon ang hinihintay ko na lng ay desisyon ng court.

      Delete
  6. Hi Diskarte Team,

    I am a defaulter since 2012. May nangulit nanaman na collector and this time willing na po ako mag pay. Ask ko lang po advise ninu mga things to do po. I heard stories po na kahit na nag pay ka e sisingilin ka din nang ibang collection agency in the future hindi authorized yong binayaran mo.. And kailangan po ba if mag bayad thru cheque lang po? Bakit dapat cheque lang? Hindi pwd mag deposit mismo sa credit card account? Pls advise po. Thank you all.

    ReplyDelete
    Replies
    1. hi in my personal opinion (banker is not condoning non-payment of utang per se, ang gusto lang nya is fair to everyone concerned like
      1. dapat updated authorized collector maki-pag negotiate
      2. me written agreement (if poss to have it notarized to make it more binding- parang walang laglagan in the future!!!)
      3. fair ang demanded amount
      4. and of course walang harassment
      5. now getting a cert of full payment (is at times next to impossible) so sensible if bank can still give you a decent soa
      good luck
      and pls. put username after post

      Delete
    2. Hi Ms. Cherrylou,

      Thanks for the reply mam che.
      ERJ Collection MAnagement and Consultancy Services Inc. po yong collection agency nag handle nang account ko po ngayon sa Metrobank. So dapat po ba before po ako mag settle mag send muna cla nag contract or agreement stating the agreed amount? Dapat po ba e mail nila sa billing address ko mismo po hindi dapat attached sa email lang?
      Then bakit po ba dapat mag issue ako nang cheque ig mag pay na po ako? di pa pwede thru metrobank bills payment po?

      Salamat sa advises po. Godbless


      Yanie.

      Delete
    3. @Yanie, hi just ignore erj...
      yes there must be an agreement first and why do you have to issue checks when you can just pay over-the-counter
      -hirap nyan, what if nag-bounce ang check mo...iba-bluff ka naman ni kotong-collector for bp22 case...whoa!!!

      Delete
  7. Anonymous-Who you?
    Your account was written-off already :-)
    your choice; your money :-)
    Why not you use it for the future use of your family or donate to a charity works? :-)

    ReplyDelete
    Replies
    1. Hi Dhastan,

      Im Yanie po. I decided to pay para hindi na po sila tatawag sa office at saka po payroll po namin Metrobank kasi. (Metrobank po cc ko). Im afraid na baka e freeze nila account ko. Also para po wala na po ako iisipin na utang po. Under negotiation pa kami ni mr. collector kasi puro deny yong proposal ko na amount. Sabi ko sa Metrobank nlang ako mismo pag pay. E entertain po ba ako nang metrobank? One thing sabi ni mr. collector f mag pay ako dapat daw mag issue nang cheque. Bakit po dapat cheque?

      Thanks po.

      Yanie

      Delete
    2. alam mo Yanie, naawa ako sa iyo.
      you believe somebody you don't even know nor authorized?
      I always say - wait for the court para formal, legal ang fair.
      may pera ka naman pala, arrange with the judge kung how much you can afford to pay regularly, kasi the decision is always "pay plus 12% interest UNTIL FULLY PAID. even if it takes 100 years!otherwise,change payroll-bank.

      Delete
    3. Yanie,
      You know what yannie, i try to negotiate to your same bank personally( 4 years ago). However, they are not interested to me. Acc. to them, my account was endorsed to their friendly CA's. A piece of advise, don't ever believe what collectors say to you. Hindi mo naman sila kakilala basta tumawag lang sa phone. The more you talk; the more you encourage to pay...

      Delete
    4. Hi Banker,

      Good day po. Thanks sa reply.

      Siguro po nakapag decide na ako mag pay para po wala na akong aalahanin pa na utang at wala na pong mang gugulo. Kaya po ako nagkipag negotiate po sa collector. Also tako din po ako aabot sa court po. Bali 90k na daw utang ko kasi 6yrs na walang bayad. tas offer nila 36k within this month.. Pero sabi ko willing ako mag pay 20k within this week magbabayad ako. Pero deny daw yong request ko. 31k nlang daw last offer nila sa kin. Pero ngayon hindi na ako nag reply po. Salamt po sa time. Will all honesty po naguguluhan ako ngayon..

      Yanie.

      Delete
    5. Hi Dhastan,

      So better I will stop communicating or replying mr. collector nlang po. Sinabi ko naman sa officemate ko na if may maghanap sabihin na nag indefinite leave ako :-).
      Salamat po sa time ninyo. Hopefully maka move.on na po ako..

      Godbless us all.

      Yanie.

      Delete
    6. Yanie,
      I know you can...move on...
      All wounds will heal... in due time
      Have FAITH on HIM....

      Delete
    7. @Yanie, hi so you defaulted mcc like 6 years ago, now kung serious si bank to file a case matagal na pong nangyari yun and will not wait for 2018
      and choosy si kotong-collector ha... gusto 36k initial payment and 20k lang kaya mo...kung ayaw eh di wag
      it is simply the crook's lost and not yours
      -just continue to move on yanie and of course you will move on
      -si collector lang ang hindi, kasi no commission earned from your account

      Delete
    8. @Dhastan Lardizabal - sir if i may ask, what happen na po sa Metrobank nyo? Ano po worst na nagawa ng mga CA? or tahimik na po sila? Im currently on my 6th month na default and puro calls at email lang naman sila. I just don't answer their calls.

      Delete
    9. @mam che.
      yes po 6yrs na po. pero po yon collection agency po ba pwde cla mag file ng case? Sinabi ko sa collector the reason y nag default ako. His reply is the bank has nothing to do with my financial hardship and it was not stated in the terms ng mcc na kapag nag struggle ang tao financially e pwde na cla hindi mag bayad. Alam ko nman out ang mcc sa problema ko. Kaya hindi na ako nagopen now ng email ko baka ano pa mabasa kong pang iinsulto nila..
      Thanks po mam che, banker and dhastan..

      Godbless.

      Yanie

      Delete
    10. @Yanie, most welcome and yes the comedians will tell your lots of stupid things (fyi they were trained to harass defaulters and the crooks can't file a case, call po ni bank ang pag-file ng case kung gusto at me policy to file a case...otherwise it will just be a sweet struggle with the c/a, no worries wala naman forever with the c/a and sabi nga ni banker to "never allow the crooks to control the life of the defaulter"
      now if you still feel guilty bout not being able to pay the cc, guess you can just give the amount to the less fortunate soul or share some of the good ideas in banker's blogsite (that's what we've been doing yanie)

      Delete
    11. samantha,
      Papalit-palit na lang sila ng mga CA's
      Ignore their calls or say the magic word of banker and watch their reactions :-)
      Never argue nor explain to them the reasons of your default- it's useless and pointless....sayang lang oras natin s kanila...

      Delete
    12. Thanks po mam che. Im feeling better now.

      Godbless you po and all members of diskarte team.

      Yanie

      Delete
    13. thank you sir Dhastan and Mam Cherry. Balak ko pa naman mag ipon and bayaran sila in the future pero mukhang useless na. Actually I feel better now. I have been paying them for the longest time. Kung tutuusin bayad na ako sakanila kung interest lang ang usapan. I salute you po and will pay it forward by helping other people din including sa mga tao sa blog.

      Delete
    14. If you think the harassment will stop after you pay, I hope you are right. GBU

      Delete
    15. @all

      Weird lang naisip ko po. Hindi po ba tayo ipapa TULFO nang mga CA kasi ignore natin cla? Or hindi tayo magbabayad nang utang? Huhu paranoid a bit :(

      Delete
    16. Sa tingen ko hnd pwd mangyari yung dahil paano nila gagawin ipa tulfo tayo kung sila mismo ang gumagawa ng mali. Tulad ng panghaharas at pambabastos

      Delete
    17. @Yanie, hi i don't think that's possible
      -di kakayanin ng mapurol na utak ni kotong-collector

      Delete
  8. Hi Good Day Mam Cherrylou and Banker, JOYJOY po..ask ko lng po sana if nagpa file po ba ng case ang security bank.defaulted po ako ng 3months sa kanila..any ideas lng po..thank you

    ReplyDelete
    Replies
    1. @Joyjoy, hi no postings yet bout security bank filing for a case...
      i, myself defaulted security bank early part of 2014 n no case filed

      Delete
    2. I have a defaulted security bank cc last year. Last Mar 2018, nagfile na sila ng sum of money case. 200k ang utang ko, ngayon 378k na ang nakafile na defaulted amount.

      Delete
  9. hello diskarte team! banker and mam cheryylou! another sharing, my aunt from ilocos just experienced how garnishment is done. Way back 1995 Far east bank now BPI filed a sum of money case against her, not CC but another issue. Anywy all these years ilang beses na daw na dismiss the case but this year biglang binuhay at natalo siya sa case nung jan 2018, the decision came out 1st of feb. , and the garnishment came out last week of feb, she then ignored all of this, nung holy week lang mar. 27 2018, she them learned that all her bank savings acccounts were frozen from metrobank and rcbc a total of P290K dahil bigla na lang hindi siya maka withdraw. Guys talagang lahat ng sinabi ni banker dito ay totoo so once may decided case withdraw ASAP! thanks

    ReplyDelete
    Replies
    1. A civil case,once decided, can no longer be filed under the principle of "res judicata";
      a court decision can only be implemented within 5 years otherwise, an MR should be filed under Sec. 6 Rule 39 of the Rules of Court, but not exceeding 10 years.
      maybe you can take a look at thing angle?

      Delete
    2. @banker, hi hope you're well
      just need some clarification, understand decision will be implemented within the next five years
      -is it five years after the decision/resolution or 5 years from the date of the writ of execution
      salamat banker and God bless po

      Delete
    3. Sorry man Che now lang nabasa. Execution of judgment is 5 years. Kung walang writ, problema ng abogado nila yun. hehehe

      Delete
  10. Good evening sir banker, mam cherry and to all diskarte..

    Medyo ibang style nanaman ito...

    This is in connection with your overdue Citi Credit Card account. Our records show that despite repeated demands for payment, your outstanding balance has remained unpaid. Please be advised that your credit information has been submitted to credit information service providers.  As such, your credit information may be used by banks and other financial institutions to check your credit history. Your future loan and credit applications with Citi or other banks and financial institutions may therefore be affected.

    Be that as it may, we are happy to offer you our Payment Assistance Program (the "Program"). This Program allows you to pay your outstanding balance at a discounted amount, and if payment is made within seven (7) days from the date of this letter, such payment will be considered as full settlement of your outstanding balance. Moreover, this Program presents you the opportunity to update and clear your personal credit history. If you are interested to avail of the Program, you may contact us at (02) 995-5209.

    On the other hand, if we do not hear from you within seven (7) days from the date of this letter, we will endorse your account to Golden Ace Credit Solutions Co., Ltd. to assist us in our collection efforts, which may include, if legally warranted, the filing of appropriate civil or criminal charges.  Please note that once endorsed, you will have to communicate directly with Golden Ace Credit Solutions Co., Ltd. at telephone number (02) 403-9397 or visit their office at U 1809 & 2803 Citiland Pasong Tamo Tower, 2210 Don Chino Roces Ave., Makati City.

    God bless to all...

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  13. @yanie: them more you talk to them and say "am willing to pay", the more kulit they get. Better thing there is don't talk to them, don't answer their phone nor text. Useless to pay coz they will never give you the korek amount.

    ReplyDelete
  14. @joyjoy: ako man. no filing of case, am a defaulter in security bank and diners card.

    ReplyDelete
  15. Hi Banker and Maam Cherry,
    So I tried reaching out din sa bank pero they referred me to the collection agency which is a lawfirm. Then the CA sent me 4 payment options. Eh kaso di ko pa di kaya. For sure, di rin sila mag agree sa preferred monthly installment ko. So wala pa din way. Its been 2yrs na. From 180k to 400k na sya now. Lumulubo lang kasi. Pag nasa court na ba, iwaive nila ang fees or yong face amount umabot na ng 1M kung ang tagal nilang magfile lol!

    ReplyDelete
  16. hello po banker, miss cherrylou and team,
    its me again worried mom, i have received a summons from bpi last march - so ok na ako, thanks to you guys. nangungulit si CA ngayon which impossible ma afford ko, so sue me nalang cguro. anyways, yung problema ko is that my car loan with pa bank will end na next year oct 2019 po. im worried na baka once ma ok na yun, kunin yun ni sheriff?? ( wala pa naman akong writ of execution) any advice po? once fully paid can i ask the bank to right it to my father’s name yung or/cr? pwede ba yun po? half kasi kami ng payment ng papa ko sa car pero nakapangalan sa akin...

    worried mom

    ReplyDelete
  17. @worried mom, pls. don't worry if ever me writ of execution and masipag si legal counsel na magpa-assist ke sheriff ang hahanapin lang nila is your bank accounts (as per banker, exempted si payroll)
    as sobrang akong naging paranoid before...kasi kotong collector was telling me na pati car etc poss ma-execute -na ok naman to be safe than sorry... was to transfer ownership of car sa anak ko and if me bagong purchases automatic na sa mga anak ko naka-pangalan
    yeah just talk to the bank if poss; if not poss just draw up a deed of donation para sa Father nyo...

    ReplyDelete
  18. Hello po sa lahat. Long time follower po ako ng blog ni banker. Defaulted my hsbc and citibank cc mga 7 years ago then security bank mga 3 years ago. I'm just reading through the comments. Pag may natanggap akong demand letter/email/text basura agad para wala nang stress. I pray for everyone's peace of mind and good health. Salamat ng marami sa team nila banker for the continued guidance. God bless us all!

    ReplyDelete
    Replies
    1. Hi, Mio..last na figure na nabasa ko sa demand letter was mga 135k na yata but 35k lang talaga ung principal amount nun.

      Delete
  19. hi miss cherrylou,
    maraming salamat naman sa advice, ill ask the bank if pwede bah or if not yung deed of donation nga.

    -worried mom

    ReplyDelete
  20. @worried mom, most welcome
    yes after deed of donation, you can transfer ownership na like
    getting a pnp clearance etc...
    in my case after the decision it took 2 years pa for the writ of execution to be issued/approved
    and so far ok naman

    ReplyDelete
  21. Good day. May credit card ako na di mabayaran sa eastwest dahil nawalan ako ng work. At the same time is meron akong personal loan with eastwest na nababayaran ko naman. Tinext ako ng collection na icacancel daw nila yung personal loan dahil sa di ko pagcomply sa credit card payment. Posible ba ito since nakapag issue na ako ng pdc sa eastwest? Thanks in advance

    ReplyDelete
    Replies
    1. hi yes that's possible, called cross default like when one defaults on his cc, bank has the right to cancel personal loans
      -now it's the bank's lost since sila ang mag-ka-cencel ng account mo
      -now kung mag-file man si ewb ng bp22 case (but sa totoo lang no posting on ewb filing for a case be it sum of money or bp22 case... madalas sa hindi si kotong-collector lang ang magma-maganda bout filing of case...whoa !!! )
      -just attend when summoned, alam naman ni court na pdcs were issued to pay-off-loans
      -pls. put username after post
      thanks...

      Delete
    2. Thanks po. I'll just wait na lang if ever i icancel nila yung personal loan ko since yun pa lang kaya ko bayaran dahil wala pa ako work.

      Delete
    3. @Ruy, most welcome
      yes just wait... pag na-cancel
      it's the bank's lost

      Delete
  22. Gud day po.may dalawang credit card po ako ng citibank. Pareho na hindi ko na nababayaran 100+ each card ang utang ko. Ang itatan0ng ko lng kung dumating sa court ung case ko pwede ba nila kuhanin ang house and lot ng parents ko, dahil d2 ko nakatira . Tnx in advance

    ReplyDelete
    Replies
    1. nope, from what i learned from this blog hindi po pwede kunin family home. and lalo na di naman sainyo nakapangalan.

      Delete
    2. @Mio Soul, hi yes samantha is right
      family home is exempted from execution
      if ever citibank files for a case, said bank will only run after cash/bank accounts - payroll exempted

      Delete
    3. Mam che gan0 po katagal ang pangungulit ng mga k0t0ng k0lect0r bago dumating sa c0urt? Ang utang k0 po sa dalawang citibank card ay nasa 200plus wala pa po yung mga pat0ng pat0ng na interest.dahil 1m0nth plang ako hnd nakakabayad at cgurado po ako sa ngay0n ay hndi ko tlga kaya byaran ang utang ko sa kanila dahil naluge ako.

      Delete
    4. @Mio Soul
      sureness cherrylou2015@yahoo.com.ph
      i guess if serious si citibank to file a case it will surely happen within the first 2 years of being in-default
      (tulad ng sabi ni banker, di po pinag-tatagal ang filing of case
      -what if nag-transfer ng house/office si defaulter??? summons will not be properly received na...sayang si case; maa-archived lang

      Delete
  23. Hi everyone, hope may makaenlighten sakin.
    I have an existing BDO autoloan which will end on December 2020
    I am a defaulter sa BDO CC ko last yr. Question po, mahohold ba nila yung pagrelease ng documents ng sasakyan ko after I fully paid it in december 2020?

    ReplyDelete
    Replies
    1. Yes. possible.
      Btw, cooldude here.

      Delete
  24. @Archie, unfortunately yes
    -once fully paid, bdo will not release the chattel mortgage
    meaning you will not be able to get the original cr from lto
    -so just try to negotiate directly with the bank for the lease amount to settle with your defaulted cc

    ReplyDelete
    Replies
    1. Will they also repossess the car mam cherrylou? or ihold lang nila yung CR ko?

      Delete
  25. hi banker and mam cherry. After 3 to 4 yrs moron n nmn nagparamdam said akin name tiga spMadrid daw. Last payment ko Aug 2011. Natasha saw potential ago no 5k for show of commitment. Do ko po talaga kaya po kc may 2 months ako baby now. Should I reply to that email?

    ReplyDelete
    Replies
    1. @Ariel Salamera, hi sorry for late reply
      no need to reply on the email of the c/a
      no amount of explanation is acceptable sa mga comedians
      ang alam lang nila is to show commitment of making partial payments sa mga kotong-collector...este sa bank pala
      yeah just focus on the needs of your 2-month old baby

      Delete
    2. @Ariel Salamera and if you have survived the past 3-4 years... pramis kakayanin pa natin the next few years

      Delete
  26. Ariel Salamera,
    show of commitment?
    e-mail messages- simply press delete para iwas stress :-)

    ReplyDelete
  27. good pm.mam cherry and banker....worried po ako may nag txt skin.darating na daw warrant ko by monday pag di ako naka hulogg...depressed na po ako.may skit pa ako...ano gagawin ko.need ko advice

    ReplyDelete
    Replies
    1. Kung may arestuhin ba na tao, IPA-alam in advance sa kanya? common sense. lol!

      Delete
    2. carmina juan,
      ikaw kasi madaling maniwala sa text :-)
      Hindi mo naman sila kakilala...
      Sabi sa akin nun nkausap ko sa phone. My face will be posted in the Philippine tribune kasi my kaso ako...
      Sabi ko lakihan nyo po un picture ko :-)
      Philippine tribune? para face-out na cya...

      Delete
    3. @Carmina Juan, hi sorry for late reply
      banker and dhastan are right, anything from the comedians...paki delete lang po
      mema lang yan (memasabi lang...)
      we're just defaulters and not criminals to merit a warrant

      Delete
  28. Sir @dhastan, @bankerand Maam @cherrylou

    Hello po guys. Ask ko lang po ano manyayare kapag di kinuha yun mga registered mail. 3 beses na po kasi ako nakakatanggap ng card from post office nakalagay po from mtc pero di ko knclaim natatakot po kasi talaga ako baka ano po laman nun. More than a year na po ako wala nakakausap na ca. Kasi nagpalit ako ng number dahil nawala cp ko. Di narin ako nakatawag sa kanila dahil wala naman po ako pambayad. From 150k now 400k na po. ano po gagawin ko? Lumipat po ako ng work and may ineexpect po ako commission maliit lang po pero baka makuha ni BPI sa payroll ko kasi BPI po yun creditcard. Super nagwoworry po ako baka makaltasan yun sweldo ko pang enrol po ng mga anak ko yun.

    -worriedsinglemom

    ReplyDelete
    Replies
    1. @worriedsinglemom, hi it's perfectly ok to get the registered mail (at least you will know where you stand)
      and being in default for almost one year, i guess di pa na-auto-debit ang payroll account mo ( and it's bawal but i've read na me na-auto debit na daw
      -as per banker exempted from execution ang payroll account (so aware dyan di sheriff...)

      Delete
  29. Good day po, Ask ko lang po hoping matulungan nyo po Ako. Umalis po Ako ng UAE 12 years ago n.a. may 2800dhms n.a. credit card problem. Ngayon NASA Europe po ako at uuwi ng pinas n.a. may connecting flight sa Qatar which is a GCC country. Ask ko lang po kung may risk po ito baka ma hold Ako sa Qatar on my way to Philippines. Salamat po sa lahat ng tutugon . JASMINE

    ReplyDelete
    Replies
    1. @Jasmine, hi for me what happened in UAE will just remain in uae
      -like don't go back to UAE na possible kang ma-hold
      have a good and safe flight and enjoy your holiday

      Delete
  30. Hi.

    This blog has been very helpful. Reading each posts eases stress and depression.

    So, I have received a summon letter from BPI today. What to do?

    —Zachary

    ReplyDelete
    Replies
    1. @Zachary, just rejoice kasi katapusan na ng mga comedians
      if you have the budget to hire the best lawyer in town, ok lang to attend
      but ang pwede mo lang to question is the defaulted amount
      why masyadong bloated ???
      now mag-attend or hindi, same decision bayaran si bank at .5%/month vs the 3.5% na gusto ni bpi
      -it's like pay-when-able and as per banker court decision will be enforced in the next 5 years
      -now garnishment will be ONCE
      bakit once... logic is will you still keep/save your money in the same account na once is na-garnished ka
      -there will be instance na the legal counsel (formerly the comedian) will try to offer you an out of court settlement, yun bang you can do installments but ONCE nag-fail ka to pay....TULOY ANG SUM OF MONEY CASE... ang saya di ba
      they got your money and you ended up having a sum of money case

      Delete
    2. Thank you Mam Cherry Lou. I really appreciate the infos.

      Is there a chance na they can garnish a Checking Account also? Or just Savings Account. I have few checking accounts to look at and secure.

      Again. Thank you.

      —Zachary

      Delete
    3. @Zachary, most welcome
      yes all bank accounts are subject to garnishment
      -except payroll and sss-gsis pension account
      as di po yun maka-tao
      -now if you really need to open a checking account, just request a trusted relative to open an account/under his-her name and keep your money with him/her

      Delete
    4. I read they can only garnish once? I already have checking accounts. Will that be mean I withdraw them all?

      Thank you again Mam Cherry Lou! Big help.

      —Zachary

      Delete
  31. No need to do anything...whether you attend or not you'll be asked to pay and if ther is no budget eh di wala' they cant force you to pay

    ReplyDelete
  32. Dhastan, ang sabi sa akin pag di daw ako nagbayad, for litigation daw ako. ANo po ba ang ibig sabihin nun?

    ReplyDelete
    Replies
    1. Banker, mam cherry ano po ba Ang ibig sabihin po Ng litigation. Till now no hirap po ako makautang Ng 5k. Ty po

      Delete
    2. @Ariel Salamera, hi litigation means bank will file a case and no need to borrow 5k
      if the defaulted bank was serious to file a case
      pramis di sila mag-a-antay ng 3-4 years
      -lumang scam na ni la-coste ang showing of commitment na yan
      so kalma lang n just hang-around
      remember i had sum of money case with bpi n bankard in 2014 n writ of execution in 2016 and am GOOD

      Delete
    3. Well thanks po talaga sa mga advice nyo. Actually kayo po Ang tumulong sa akin for the past years. I survive those years with ALL of u you mostly banker and miss cherry sa mga advice nyo po. Wish you all a good and happy life. May reunion po ba tayo? Sama na ako this time so that makapag pasalamat ako personally.

      Delete
    4. @Ariel Salamera... our pleasure
      ay teary-eyed naman kami dun
      -normally banker is hosting the year-end eb and sana maging adv. x-mas party natin
      sige na pls. Sir Rene

      Delete
    5. Hi banker, mam cherry. Received another email. It says "May I ask your FINAL DECISION with regards to your UNSETTLED ACCOUNT at PSBank as you did not complied with the said settlement of P5,000.00 yesterday, April 12, 2018?"

      Kailagan ko pa po ba sagot Ito or delete the email na lang po?

      Delete
  33. Hi Banker! Would like to ask if PAG IBIG also look to delinquent credit card? May chance ba na madecline application ko for housing loan? Kahit na 7years contributor na ko ng PAG IBIG. Thank you po. Hoping for your response!

    And also banker until when ba mabubura yung pangalan sa delinquent payers or forever na yun?

    ReplyDelete
    Replies
    1. @kepleng hello po! i applied a housing loan last month and the agent advised me that they do credit checking sa private banks and also sa govt financial agencies e.g existing pag ibig loan na hindi nabayaran or sss ganun po. Pero yun sa akin inamin ko sa agent na marami akong utang sa CC. Sa pag ibig form may makikita kang questions like unpaid loans, credit car etc. also meron din dun question kung may mga cases filed like sum of money etc. Ang advise sakin ng agent is to leave it BlANK. So bakit ba may mga tanong na ganito si pag ibig? at may paki alam ba talaga ang govt sa mga private banks? As per the agent, SOP itong credit checking but still they will base everything sa capacity to pay ng member. Awa ng diyos nag occular inspection na yung pag ibig last week sa binibili naming property under my name and hopefully ma approve na this week. Hope this helps.

      Delete
    2. @marc p. Thank you for this. I hope your loan application be granted so am I. God bless to both of us.

      Delete
    3. eto din ang dilemma ko..waiting ako sa approval ng pag-ibig.. by april or may daw..december ako natapos mag down sa bahay.. sana nga walang maging issue sa ating mga magiging properties..

      Delete
  34. Hello po, @banker and Ms. @Cherrylou! Gusto ko po sana huminhi ng tulong sa inyo. Nung Feb. 1 po nakatanggap po ako ng Summons galing sa Makati MTC na dala ng sherriff. Hindi ko po nasagot ang summons dahil wala po ako pambayad sa lawyer at wala naman po ako kilala na magbibigay ng libreng serbisyo. Nung, April 1 po, may dumating na sulat from MTC Branch 64 at ang nakalagay po ay Order. Sa 4th paragraph po nakasulat, "To monitor its submission and compliance, set the hearing anew on April 18,2018 at 8:30 a.m."

    Gusto ko po sana malaman kung kinakailangan ko po ba pumunta dun sa hearing ng April 18 o ano po ba ang gagawin ko at ano ang mangyayari? Sa totoo lang po,wala po talaga ako pabayad sa 223k na pinapabayaran sakin ni BPI at ng CA. Single mother po ako at wala po ako trabaho simula pa nung December. Magulang at mga kapatid ko po ang sumusuporta samin ngayon ng anak ko at maghahanap pa po ako ng trabaho. Sana po ay mabigyan ninyo ako ng advise at matulungan dahil nagwoworry din po ako sa kung ano pwede mangyari.

    Maraming salamat po at pasensya nn po sa mahabang salaysayin.

    ReplyDelete
  35. @zaicy... pls. allow me to answer and banker can just correct me. You have the option to attend or not kasi po ang resulta eh matatalo ka din naman po. Ngayon pag lumabas na ang desisyon ng court for garnishment or ngayon pa lang paki withdraw na lahat ng pera mo sa banko. Base sa last post ko dito nangyari lang ito sa aking tita noong march 2018 kung paano na garnish ang pera niya sa banko. So wag po kayo ma stress kung nakatanggap kayo ng summon at hindi umattend. salamat po

    ReplyDelete
    Replies
    1. Gaano po ba katagal ang decision ng court for garnishment? From the time na may summon po?

      Delete
    2. @marc p. thank you po sa sagot mo. Sobrang na-stress talaga ko simula pa lang nung dumating ung summon till now na may Order naman from court. Sa totoo lang po, wala naman po ako savings talaga at ung isang bpi account ko po payroll sa dati ko pinapasukan. Kung di po ako umattend, ano po ang mangyayari? di po ba nila ako kakasuhan? Nag-aalala kasi ako na baka mas malala pa ang mangyari. Marami pong salamat sa tulong nyo.

      -ziacy-

      Delete
    3. Ziacy, hi first of all kalma lang and when the bank filed for a case...it simply meant the end of the kotong-collectors
      mag-attend or hindi, same decision to pay back the bank
      and syempre we are defaulters kasi di natin kinaya lahat ng interests and surcharges ni bank
      -like yung feeling na we are paying on time the min. due and di man lang mabawasan yung amt. due the bank
      -i had sum of money case with bpi and bankard and so far am good
      -nothing to execute from my end, walang cash and definitely walang bank accounts
      -so just focus on basic needs

      @anonymous, in my case the writ of execution was issued after 2 years na magkaron ng decision
      -like decision in 2014 and writ of execution in 2016
      sometimes, kotong-collector now the legal counsel trying to pull my leg...baka daw gusto ko ng discounted amt. for one time payment... para que, case been filed n decided upon...sorry na lang...no hay dinero

      Delete
  36. Hello again Ms. Cherrylou & Team...

    Though meron nang court decision for garnishment, can I still settle it w/ the court by installment??? Just now, I also received an email from the KOTONGERS:

    Dear xxxxxxxxxxxxx,



    We received recently the court's decision regarding subject civil case.



    Although we had gone this far, we would like to assure you that we still
    prefer that this matter be settled the soonest possible time without the
    intervention of the Sheriff who is mandated to implement this decision after
    its finality. In this way, you may avoid the embarrassment attendant to the
    implementation of the decision.



    We are therefore giving you this last opportunity to discuss the matter.
    Please feel free to contact us at (02) 817 99 76 /(02) 892 83 80or
    09052535147 or 09475598409.



    Thank you and we hope that you will give this matter your utmost
    preferential attention.



    Sofia Z. Roque

    Saulog & De Leon Law Offices

    Units 1704-1705 88 Corporate Center

    141 Sedeño corner Valero Streets

    Salcedo Village, Makati City 1200

    Tel. Nos. 632-8136145/49; 8928380

    ReplyDelete
  37. @Georgina Aquilar, hi from what I understand from Problemado who also had a sum of money case; what he did was to go personally to the issuing court and one of the sheriff told him na pag-walang pambayad eh di wala (kahit si kotong-collector di na pwede magpa-cute... mang-harass)
    if poss try to go to the defaulted bank, pag pumayag well and good pag ayaw...forget the whole idea and just don't keep bank accounts

    ReplyDelete
  38. Thanks Ms. Cherrylou. Yung isang bank ko kung saan may current account ko kasi originally acquired for loans, magbibigay din kaya sila ng notice katulad ng sa BPI kung saan ako may sum of money case. Pero I have already decided to close it after clearing yung last issued check namin. As long as hindi nila gagalawin ung payroll account ko, un lang ang mauuwan sa akin.

    Si Problemado ba ay nagpunta sa court after maka-received ng notice of garnishment? Plano ko nga rin pumunta dun. Saka nung tinanong ko din ung BPI kung pwede pa ko magbayad ng direct sa kanila ang sagot sa akin hindi na raw sila ang kausap dun.

    ReplyDelete
  39. Good pm ms. Cherry / banker. Gigil si ako sa nagtetext na kotong collector ng scb...nagmmessage pa talaga sa fb messenger ko...ano po kaya maganda isagot? Sabihan ba naman akong "ang yaman mo sa facebook wala kang perang pambayad sa ginamit mong pera sa standard chartered"

    Gigilmom

    ReplyDelete
    Replies
    1. @Gigilmom, hi sorry to hear bout the desperadang c/a...not sure if poss na i-report sa fb
      what she did was harassment, try to copy-paste the message, paki-email sa consumeraffairs@bsp.gov.ph
      -pls. copy in si kotong-collector and the defaulted bank
      good luck

      Delete
    2. Hi good mrning maam cherrylou and all diskarte team same po nangyari sa akin, kagabi may nag message sa akin sa fb na mag occular visit daw cla sa bahay at opisina this april 2018 mag pa assist po daw sila sa mga brgy officials regarding daw po to sa unpaid cc ko na equicom... ang pinag taka ko lang kung bakit na search po nila ako sa fb na iba naman yung pangalan ko sa fb... possible po ba to mangyari? thank you po sa magiging advise... Thea

      Delete
    3. Hi good mrning maam cherrylou and all diskarte team same po nangyari sa akin, kagabi may nag message sa akin sa fb na mag occular visit daw cla sa bahay at opisina this april 2018 mag pa assist po daw sila sa mga brgy officials regarding daw po to sa unpaid cc ko na equicom... ang pinag taka ko lang kung bakit na search po nila ako sa fb na iba naman yung pangalan ko sa fb... possible po ba to mangyari? thank you po sa magiging advise... Thea

      Delete
    4. @thea - nakalink ba contact number mo sa fb? same contact number na nasa details mo na alam ng bank? baka ganung way ka po nahanap..

      Delete
    5. so dapat ko po ba e delete contact number ko para d na ma link? salamat po... Thea

      Delete
  40. Hi Ms. Cherrylou ask ko lang po yong supplementary cardholder ba is also liable for my debt although di nman ginamit yong card at wala din po silang napirmahan na agreement.MCC card holder po ako. personally wala akong savings account but my supplementary cardholder had savings account in other bank.

    ReplyDelete
    Replies
    1. hi pls. don't worry bout mcc, no postings yet bout mcc filing for a case
      so di po endangered ang saving's account ni supplementary cardholder...

      Delete
    2. Thanks po for the response Ms. cherrylou.Medyo lumuwag pakiramdam ko,though I dont really had plan to escape on my debt but for sure kasi di pa ako makakabayad sa ngayon at sa mga susunod na buwan.
      Thanks again.
      Have a good day.

      Delete
    3. most welcome
      yes pag-ok na ang finances n me updated-authorized c/a, fair ang demanded amt., with written agreement and walang harassment...of course ok lang to pay
      pramis lahat ng defaulters yan ang request sa bank to give them affordable na terms...but ayaw nila
      so they can take the back seat muna...while we are all building up our finances

      Delete
  41. @Georgina Aguilar,yes as per banker exempted ang payroll account, the rest kahit singkong duleng poss ma-garnish
    Problemado just went to the court, when out of the blue nagparamdam si legal-counsel ng bpi, so ayun when he told the sheriff na wala syang budget n the sheriff adv. him ok not to pay kung ihi-hiram lang n to prioritize the education of his children
    (he didn't bother to go to court when writ of garnishment was issued)
    and creativeminds-same case as problemado, who had a sum of money case...ages ago, was never garnished n up to date wala naman daw nabawas sa laman ng bahay nya...whoa
    yeah i guess bpi will just endorse you to the legal counsel...

    ReplyDelete
  42. Tnx Ms. Cherrylou. Again, this blog eased my mind of worries. Tinawagan ko din agad nanay ko na wag na mag-issue ng check para totally mai-close na ung current account namin. More power Team and may belated congratulations to you Ms. Cherrylou para sa pagsalin ni Banker sa iyo ng kakayahang tumulong sa mga maraming katulad namin na iniipit ng mga KOTONGERS. God bless us all.

    ReplyDelete
    Replies
    1. @georgina aguilar, yes just close the current account and pay over the counter (in my case before with citibank where i issued pdcs for my repayments, i was just asked to pay bout a week before due date para ma-pull out nila yung pdc ko (and sa awa ng Dios fully paid na ako with citibank and union bank- 4 accounts din yun n inabot ng 600k for a 4-year term... nag-bayad ako kasi these 2 banks were sensible enough to give me terms na kaya ng budget)
      touch naman ako georgina... salamat
      i just felt blessed sharing my true to life experience para kahit paano i can make other people's life less-stressful, yun bang kahit paano maka-tulog n maka-pag-isip ng maayos
      -i have been in your shoes and it was definitely hell
      -kahit di pa ako nang-gagaling dun...lol

      Delete
  43. hi ms.cherry ask ko lang po....may unpaid po ako sa metro and eastwest credit card.. ung savings po ko ba sa bdo and bpi ay pwedeng maapektuhan...thanks a lot

    ReplyDelete
    Replies
    1. @maricar dimapilis...hi nope po
      as there's no postings bout mcc and ewb filing for a sum of money case
      -sadyang pasaway lang po mga c/a ng ewb

      Delete
  44. hi ms cherry ask ko lang po..may unpaid po ako sa metro and eastwest credit card...pwede bang maapektuhan dating ko sa bdo and bpi

    ReplyDelete
  45. Thanks ms. Cherry lou. Tinanong ko sya kung may proof ba syang ako ang gumamit ng scb? Wala pa syang sagot though i reported her sa facebook na. I wonder paano nila ako nahanap sa fb. Nakakaloka!i rereport ko talaga sila sa bsp

    ReplyDelete
    Replies
    1. @Gigilmom, hi yes these crooks are soooo good at tracking down defaulters... me pagka-sherlock holmes
      -sabi nila pati linkedin na-access na ng mga comedians...yeah nag-level-up na sila
      yup ora-mismo pki report sa fb and bsp
      feeling yata nila na pagnaka-pang-harass sila eh commit na tayo sa repayment program nila (ano sila masaya!!! )

      Delete
    2. Pati sa instagram, andun na rin sila. I just got a follow request from a certain Tirso Fabia from SP Madrid. Grabe. And to think na hindi ko nilagay dun yung full name ko ha.

      Delete
  46. Hi po Ms cherrylou,banker and mga kadiskarte

    Tanong ko lang po....overdue na po ako sa ewb cc ko and last payment ko po was feb pero below minimum po yun...nasa inhouse collection po nila ang account,ngayon po since last week po they are telling me to pay 12k kasi nasa 350+ ang total amount due, if di daw po makapagbayad it will be endorsed to their legal department....sa CA na po ba eto?or in house collection parin?

    Van po eto....maraming salamat po ayoko po sanang ma default pero di na po kaya sa budget

    ReplyDelete
    Replies
    1. @Van, hi normally for the first 3 months of being in-default in-house collection of ewb will handle the account
      -after 3 months at saka i-endorsed sa mga comedians
      yes most of us moved heaven and earth just to keep our cc; but pag di na talaga kaya, ok lang to default and maybe someday pag ok na ang finances at saka ayusin ang past due with the bank...
      chillax lang van

      Delete
    2. Can I go to EWB and ask for a debt restructure? Pero I'm already 3 years at the most in default. So, I'll just waiting for my record to prescribe na lang siguro?

      Delete
    3. Kristine,
      Your account was written-off already :-)

      Delete
  47. @Kepleng just an update po re Loan ko sa pag-ibig, it just got approved today, received the notice of approval by mail. Thank you Lord! :) so guys you can apply a pag ibig loan kahit 10 CC pa ang default.

    ReplyDelete
    Replies
    1. congrats sir! thank you sana dumating nadin yung sakin.. by april-may daw..

      Delete
    2. WOW! yehey! Congrats Sir! I hope same goes with me! God bless to us!

      Delete
    3. @marc p. congrats
      yes i just don't get the idea why would pag-ibig checked with other financial institutions (banks etc)
      when we are borrowing money against our monthly contributions and if ever di maka-bayad, pag-ibig can just foreclose the property... haist

      Delete
  48. hello po,

    ako po ay nasadlak sa putikan sobrang lalim na utang, 350k sa hsbc 450k sa citibank 550k sa bpi 200k sa PNB 80k sa unionbank

    una nag simula ang lahat dahil sa cash loan offer ng metrobank. inavail ko kasi mura interest rate 0.55% per month nag try mag negosyo. ang naging siste, sa sobrang kagustuhan maging successful business, nagloan ako iba pang card pan dagdag sa capital tapos pang bayad. opinion ko nuon kumikita naman saka masaya sa ginagawa, pero sa ngayon panahon and looking back. malaking talo kasi suma total na 2M. pwede ko pa sana i revolve pa mga utang ko, hiram sa isa pambbayad sa isa. kaso napagod na ko nung november 2017, kaya ginawa ko hinayaan ko na lang..

    payroll ko is bpi saka may checking ako sa bpi family pero 10k lang. may savings ako sa landbank ako kasi un ung acccount na naiissue sakin nun bilang public school teacher si mama, dun niya pinapadala allowance ko nun college kasi dun payroll niya.

    delikado po ba ung 50k savings ko landbank? or dapat i withdraw ko na lang?

    pension ng nanay ko sa unionbank , sa tatay ko pnb, may chance kaya na ma freeze nila un?

    -32yrMaleBigTimeDefaulterPasig

    ReplyDelete
    Replies
    1. @32yrMaleBigtimedefaulterpasig,
      hi these are the banks filing for a sum of money case
      1.bpi
      2.rcbc
      3.citibank
      4.bdo
      5.lending companies aka 5/6 banks
      there are earlier postings bout bpi na nag-auto-debit ng payroll account which is supposedly bawal
      now pag me decided case for sum of money, defaulted bank will just run after defaulter's cash/bank accounts (except payroll/pension)
      parents' bank accounts are safe, as di po sila ang defaulters
      yeah ang naging problem with most of the defaulters was to use the cc/loans as revolvers
      -paying one account with another cc/loan (guess ayaw lang masira ni cardholder ang credit-standing nya)
      and adv. ni banker is to stop the struggle (as one will surely go deeper with debt...)
      so for now pls. focus on basic needs and pag ok na ang finances at saka natin ayusin ang past due with the bank

      Delete
  49. Hi ms. Cherrylou. Eto na nga...bilang nanghingi ako ng proof na ako ang gumamit...nagreply ang loka...

    Me: anong proof mo na ako ang gumamit ng sa standard?

    Kotongera: Gusto mo ng katibayan na may utang ka sa standard gusto mo screen shot ko yung acc. Mo ppost ko sa facebook tapos itatag kita ? di na kasalanan ng banko kung sino gumamit nyan . Obligasyon mong bayaran yan kase ikaw nakapangalan dito .

    Me: cge lang ipost mo..harrasment na ginagawa mo! gusto mo ipa-NBI kita Criminal Case yan. Pati facebook messenger ginagamit mo pa. Gawin mo yan para ma Cyber Libel ka and other crim cases

    Until now...wala pa syang sagot. Haha!

    ReplyDelete
    Replies
    1. @Gigilmom... wow ha me attitude nga si bitch
      sige pls. paki-email mo si bsp/bitch and defaulted bank
      and let's see what will the bitch do

      Delete
  50. Hi poh maam cherrylou and banker

    Ask ko lang Po hanggang ilang years ang statute of limitation dito sa pilipinas??? Kasi Po si standard chartered nangungulit na nman after 7 years thru aiqon. Ang credit limit ko dati sa knila mga 100k plus lang tapos ang sabi sa akin ng taga aiqon (romel sta ana ang name nya) na nasa 400k plus na daw utang ko. Nabigla ako kasi 300k tlaga ang interest. Posible Po kaya ito??? Pinapabayad nya ako ng 80k to close the acct pero wala pa akong pera. Humingi ako sa kanya ng Statement of account ko pero wala syang maibigay. Natatakot lang din ako kasi baka tatawag sa hr namin Po. Pls Po paki enlighten ako...maraming salamat

    ReplyDelete
  51. @Blue, hi creditor is Pinas are given 10 years to collect
    -but sorry not even the bank is concerned about the issue
    yeah nakaka-lurkey ang defaulted amount by now, when i asked one of the kotong-collectors why the bloated amt.; kasi daw me patong na silang 25% attorney's fee ( yes that's the term... ha ha ha)
    -hr/management/barangay/cidg etc has nothing to do with our personal utang sa bank
    -and you can tell that to the pesteng-collector

    ReplyDelete
  52. Ok maam salamat Po na marami. God bless you po. Thank you sa mabilis na reply...

    ReplyDelete
    Replies
    1. @Blue, most welcome
      and he might ask you to pay any amount just to show the crooks este the bank pala of your intention to pay... pls. ignore mo lang
      -promise amt. paid will not be deducted from the defaulted amt.

      Delete
  53. Hi Banker and Miss Cherrylou,
    May loan ako sa Robinsons Bank 2010. Then nagkaroon ako ng financial dificulties kaya hindi na ako nakapag hulog. Balance ko nalang that time is yun interest ng niloan ko around 15k nalang.May mga CA before pero deadma ko after reading post dito.Fast Forward this year just today may narecieve akong letter from Robinsons Bank notifying me na 99k na yun need ko bayaran and forward na nila sa Lauron Reyes yun account ko. Actually, I think sila din nag handle sa akin before pero nag stop. Ngayon nagpaparamdam na naman sila ulit. May 2 Saving Account din pala ako sa BPI and BDO (both no maintaining balance accounts). Will the see you in court still work or talagang for filing ng case na ako ni Robinsons.
    Convincing yung letter niya header abd envelope. Pero Dear Client lang nakalagay.

    Thanks mga ka diskarte.

    ReplyDelete
    Replies
    1. @ Momof2, hi malamang it's the 3rd party who have sent you the demand letter
      -now if Robinson's bank was serious to file a case...matagal na pong nangyari yun (you defaulted in 2010 and 2018 na po tayo...)
      so pls. continue to move on na po

      Delete
  54. im on my 7th month as defaulter for MCC. na kay SP Madrid na ako. yung mga previous CA na dumaan like Synergy, Admerex calls, text, email lang. Kinakabahan ako dito kay SP Madrid. May nabasa kasi ako pumupunta sa bahay kahit 2pm ng Sunday or kahit sa office. Yung pagiging aggressive ba ni CA eh ganun talaga or depende sa bank na nirerepresent nila? sa mga nabasa ko kasi sa under BPI sila usually e.I can ignore the calls and message pero ayoko sana magvisit pa sila, hassle

    ReplyDelete
    Replies
    1. yes totoo po yon @ samatha... dati kasi ako pinuntuhan din po ako ng tauhan ng SP Madrid dito sa ofis... tapos tatawag yan sa ofis nila para ipakausap ka sa nagpanggap na atty.... Thea

      Delete
    2. @thea-thanks po sa reply. rude ba sila? nageskandalo po ba? huhu yun pa naman yung ayaw ko yung magvivisit na sila

      Delete
    3. @thea-and what bank po pala kayo non?

      Delete
  55. @Ms.Cherryl thanks ma'am medyo mababawasan worries ko. Ayoko kasi mabudol ulit ng CA (Molaer). Thanks maam.

    ReplyDelete
  56. Van po eto

    Sorry di ko po ma access google account ko kaya anonymous po gamit ko. Nasa in house collection na po ng ewb ang account ko nakikipag negotiate na po sila sakin, may offer po sila na repayment scheme na good for 72months. I’m very much willing to have this agreement with them pero po ang monthly ammortization is medyo mabigat given na may loan pa pong ako binabayaran I’m asking them if pwede ba na for the first 2 years mas mababa yung amount na bayaran ko. Di pa po sila nagrereply. Natatakot po kasi na pag pumasok sa scheme na offer nila di ko po ma sustain. If ever po ba di ma sustain will they be able to file a criminal case against me kasi pipirma ako ng contract and promisory note? I hope pumayag sila sa proposal ko. Any advice po will be very helpful. Sobrang salamat po.

    ReplyDelete
    Replies
    1. @van, hi first of all ewb is not filing a case
      -now kung ayaw nila sa offer mo...di wag
      yeah normally di poss sa ewb ang balloon payment
      i have tried repayment with ewb n di rin kinaya ng budget...so defaulted n di man lang nabawas yung ibinayad ko
      -van for now pls. prioritize your current loan (mahirap na baka mag-suffer loan and repayments mo with ewb
      have a good weekend...
      no criminal case for non-compliance of agreement with the crooks

      Delete
    2. Van po eto

      I received forms from ewb which includes a promissory note and they are also aksi me to submit my proof of income. Also isa sa mga forms isa naka indicate doon yung monthly expenses ko for the family, yung agent na kausap ko po kahapon told me na the bank will cross check my income with expense kasi ayaw din naman po ni bank ma walang matitira sa client (which for me is very humane) Kaya lang po tong agent na nakausap ko sa tono nya parang dating is dapat ang esubmit ko na proof of income is medyo bloated para ma approve daw ako sa repayment scheme. Kung ganon eh di paranh sarili ko lang din niloloko ko kasi maghahabol po ako sa payments every month. Parang ang dating po kasi sakin gusto lang nila ako mapa pirma ng repayment scheme and promissory note feeling ko po yun lang habol nila. Sobrang nakaka stress po mam cherrylou I’ve emailed ewb directly. Ayoko po sanang umabot sa CA ang account ko and I hope maisip ng ewb na pag umabot sa cA ang account eh baka mas next to impossible na akong makapagbayad given all the addtional charges ng CA. Nakaka stress na po talaga. Ang Bpi po kaai pumayag sa balloon payment (defaulted bpi also) so I am hoping sila din pumayag. Salamat po

      Delete
    3. I will reply for the last time my position:
      The court- formal,legal and fair.
      The decision is and will always be:
      " Pay but add 12%pa interest UNTIL FULLY PAID"
      even if it takes you 100 years to do it.
      BUT kung walang pambayad, no firing squad"

      Delete
    4. @Van, yes banker is right
      and sorry to inform you that ewb is not really concerned makabayad tayo or hindi
      fyi with the repayment scheme (in-house collection) dapat prompt ang bayad, or else me late payment charge pa and you will be at the mercy of your account officer kung ma-we-waived or not... haist so ending di din na comply ang repayment scheme and no choice but to deal with the pesteng c/a
      if i were you i will just do one thing at a time... remember tao lang tayo and anything can happen...kung bpi...bpi muna and deal with other past due later in time
      -lam mo ba sa eb in 2015, some defaulters who made it big prioritize yung naging utang nila with individuals- kasi aware sila na they were loaned money out of trust n sa bank... omg halos di mo maramdaman na nababawasan yung due natin...ka lurkey talaga
      -fyi i have followed lahat ng adv. ni banker and am good

      Delete
    5. Anonymous-Van,
      If your account has not been cancelled or suspended yet...Go kung kaya mo isustain the monthly payment
      However, the credit card companies or bank doesn't know the figure of your account due to ballooning interest etc. Don't ever believe whatever CA's say to you :-)
      Ikaw din lalo u mastress :-)

      Delete
    6. Thank you so much Dhastan, Ma’am cherry lou and banker for the reply po...I’ve been following this blog since last year and it really helps to read na hindi ako nag iisa sa problema ko. Nakakagaan po ng loob. Ang nakaka stress po talaga sa aking eh ang mga never ending demand letter na dumadating sa bahay kasi pag mama ko maka kita masstress nanaman sya which is bawal sa kanya kaya minsan pag may motor na humihinto sa labas nga bahay lumalabas agad kasi baka demand letter nanaman. Thank you po ulit

      Delete
    7. By the way po here’s a link po nga mga accredited CAs baka makatulong po sa ibang kapawa ko defaulters...as of January 2016 po eto wala po akong nakitang mas updated.

      http://www.ccap.net.ph/wp-content/uploads/2016/02/Accredited-Collection-Agency-Template_JANUARY.pdf

      -Van

      Delete
    8. @ van... thanks for sharing
      in that case, pls. tell mama to relax as trabaho lang ang sa mga kotong-collectors and walang personalan
      na di naman natin sadya ang maging defaulter but there are just events making it impossible for us to meet our financial obligations
      -now, walang forever sa mga c/a, they will handle our account max 3 months and sabi nga ni banker " to never allow the crooks to control our lives"
      tayo ang me hawak ng finances natin...and only we alone have the right where to put our money... kasi at the end tayo lang din ang pwedeng mag-suffer pag-ipinilit ang isang bagay na alam naman natin na di possible i-sustain... and don't worry bout the final-never-ending-demand letters (just a cycle of collection)

      Delete
  57. Good Day Banker, ask ko lang kasi nabayaran na ng mama ko ang house namin for after 4 yrs kaso nag aalala sya na baka makuha sa amin ang house namin na sa akin naka pangalan dahil may defaulted cc ako sa ew since 2016 pa at ibat ibang collection agency na ang nangulit sa akin, so question ko ay kung nasa CA na ang cc account ko(kasi CA na ang naniningil sa akin) may kakayahan ba silang mag file ng case or ipa garnish ang property under may name? Pwede pa bang mag file ng case or magpa garnish ng property ang bank after nilang ma-forward sa CA ang CC account ko?

    Kasi sa pagkakaintindi ko once na maforward na nila sa CA ang CC account mo ay hindi ka na pwedeng makipag settle ng new payment plan sa knila in case na may kakayanan ka ng makapagbayad ng fair amount.

    Salamat po at salamat din sa sasagot.

    ReplyDelete
    Replies
    1. hi, ewb is not filing a sum of money case
      so sobrang safe ang property nyo
      -now if ever mag-file ng case ang bank, they will just be after your cash and bank accounts
      -again family home is exempted
      so kalma lang kayo and just move on
      someday pag ok na ang finances, we can always pay the bank

      Delete
    2. Thank you Ms. Cherrylou. Now may maeexplain na ko sa mother ko.

      Delete
  58. Hi banker, ms. Cherrylou and the rest of diskarte team.
    Recently received court hearing for sum of money last march pero 1 week delayed pinadala sa akin ang letter so hindi po ako naka attend. Inadvice na ako ng CA thru letter na magkakaron ng writ of execution. Sa BPI po ako may utang ng CC. In case po ba na may writ of execution na, kukunin nila mga gamit sa bahay? Nakikitira lang po ako sa ate ko at most ng gamit doon ay sa kanya. At since payroll account ko po ay BPI, may chance po ba na i freeze at i hold nila ang sahod ko? Natatakot ako kasi sa sahod nakasalalay ang therapy ng anak kong special. Pakiliwanagan naman po ako. Maraming salamat.

    -kim

    ReplyDelete
    Replies
    1. @kim, hi there were posts earlier na bpi also auto-debits payroll account of defaulters ( of course that is bawal...)
      -seryoso agad-agad ang writ of execution...di ba pwede hearing...resolution/decision and writ of execution
      -nag-mamadali si kotong-collector huh, baka gusto mag-offer ng out of court-settlement na if you fail to sustain, tuloy ang sum of money case...ang saya naman nun (panalo si kotong-collector/bank nakuha na yung pera natin; me sum of money case pa...whoa
      -if this will make you feel better, had sum of money case with bpi, process took bout a year 2014 and writ of execution after 2-years 2016
      and so far di pa naman na-garnished payroll account ko (exempted po sya n aware dun si sheriff) and wala pa naman nabawas sa mga gamit ko sa bahay
      -for now pls. prioritize your child and hope maging ok sya soon
      -no big deal sa sum of money case... pramis and trust me

      Delete
    2. Hi ms cherry and banker. Follow up lang po. Ngayon po mismo may pumunta dito sa bahay. Socorro ang name from MTC daw sya at sya ang nagseserve ng summon. Binigay nya ang 2nd alias summon at pinapipirma ako .Hindi po ako pumirma dahil takot ako. Binigyan nya ako ng number at name nya. Tawagan ko daw sya pag punta ko ng MTC. Ung husband daw nya ung sheriff. Pumasok pa sya dito sa house namin, natakot po siguro mother ko kasi nakakotse kaya pinapasok.
      Questions ko po
      1. Wala po talaga ako pambayad sa panahon ngaun dahil focus ko po muna ang baby ko. Single mom ako at may special need ung anak ko. Need ko po ba na umttend ng hearing?
      2. Allowed po ba ang personnel ng mtc na sila ang magbigay ng summon mismo sa bahay?
      3. Ano po ang pwde kong gawin?
      Salamat po .

      -kim

      Delete
  59. Thank you so much ms. Cherrylou. Napagaan niyo po ang pakiramdam ko. Focus muna ako sa need ng anak ko. God bless po
    -kim

    ReplyDelete
  60. Hello po ms Cherrylou sa sa inyong lahat. Masaya ako kasi Friday na at kapag weekend ay wala pong natawag na mga taga CC. Since pumasok ang month ng April ay nag umpisa na silang lahat na tumawag, as in yung 8 cards from different banks. Nakakatuliro rin since may trabaho ako pero tina-tyaga kong sagutin kahit na nga ang sagot ko ay pare pareho lang. Meron sa kanila mababait at mahinahon pero merong gaya ng taga BDO at Metrobank na masusungit. Namimilit silang magbigay daw ako ng date kung kelan makakabayad eh panu ko naman kako gagawin yun eh hindi ko alam kelan ako magkakaruon ng extra. So ang ending tataasan ako ng boses. Napansin ko lang po nitong week na ito, maraming natawag sa akin (mobile & landline) hindi nasagot at bababaan ako ng phone. Yung isa tatanungin ako kung ako si ganito then ibababa na rin. Nanyayari po ba sa iba ito? Minsan naman gaya ng HSBC kausap ko na mapuputol ang call bigla. Anyway, sana po ay maging relax ang ating weekend kahit paanu. Thanks po

    ReplyDelete
  61. Hi Miss Cherry, banker and everyone. Same like Van, also have cc sa EW. Compared sa iba kong cc ang laki ng charges nila. Sa late fees lang almost 4k, may overlimit fee pa then aside sa finance charges na almost 4,500 in total halos 10k charges palang for one month. Lastym they ask me to pay 5,500 partial, I paid. Now I was thinking na parang mabalewala lang ang binayad ko sa laki ng ipapatong nanamn nilang interest for this month. :( Mga 5-6 months ng defaulted ang cc ko, was trying to update the minimum ask ako ng discount or kahit waive man lang sa mga charges ng two months ang sagot lang sa akin ng collection dept is valid charges daw not possible at ang maibibigay lang ay 8% discount one time payment. Lumaki ng lumaki ang balances ko sa sobrang laki ng charges nila, unlike Citibank fix lang ang late charges sa kanila is halos 4k itong nakaraang buwan. Kaya ako hindi nakapagbayad kc nanganak ako at nagka pospartum pa inexplain ko naman pero tlgang walang binigay na consideration yung nakausap kong lady staff nila. Ano po bang magandang gawin, may msg sila ngayon na offer ng second chance to rehabilitate at enjoy lightest monthly amortization daw tsaka non payment daw may cause acct billing in full, impairment of your credit standing and cancelation of your acct. Ask ko lang po anong magandang gawin. Thank you so much po for the help. Ayoko po kcng mastress especially I'm breastfeeding. - at home mom

    ReplyDelete
  62. ang magandang gawin ay magfocus o magconcentrate ka muna sa pangkasalukuyan, kasi masasayang lang ang ibabayad mo tapus hindi morin naman masusustain, wag kang mastress kasi mas malaki pa ang utang ko sayo at iba iba pang banko. pag talagang maluwag kana , saka ka makipagusap directly sa banko at huwag sa mga CA, huwag muna munang pansinin ang mga CAs... joe guisadio

    ReplyDelete
    Replies
    1. Thanks Joe for the reply. Ang hirap kasi sa kanila dika na nga nakakabayad papatungan pa ng pagkalaki laking mga interest, tuusin the interest form part mostly ng total amount due. Hope maging ok narin ang account mo soon and to all those out there na having hard time sa mga cc nila.

      Delete
  63. Hi, glad i found this site, ang problema ko ay nagfile ako ng retirement with sss sa buwang ito and asked me to open a savings acct. nag open ako sa bpi at nalimutan kong may unpaid credit card ako sa sa kanila 7 yrs ago. Pwede bang kunin nila ang lump sum and monthly pension ko? Pls help i' m deeply worried

    ReplyDelete
  64. Hi Nagfile ako ng retirement sa sss sa buwan naito and was asked to open a savings acct. nag open ako sa bpi at nalimutan kong may unpaid credit card ako sa kanila 7 yrs ago. Hindi na ako singil ng bank kaya nalimutan ko na . The teller asked me kung may savings ako sa kanila or payroll or credit card dahil may nakaregister na name na pareho sa akin. I said credit card. Wala akong naremember na nag open ako ng acct sa kanila, bakit nakaregister pangalan ko sa computer nila? Problema ko kung pwede ba nila makuha ang lump sum at monthly pension ko once marelease yon. Pls help. Nastress ako sa kaiisip sa problemang ito. Thanks

    ReplyDelete
    Replies
    1. @kyra.. possible ma auto debit po.. but try to open joint savings account non spouse. BPI will not touch it, and this is guaranteed dahil natanong ko na yan sa mismong BPI. Hope this helps.

      Delete
    2. Tnx MArc p, when i open the savings acct dala ko ang loi ( letter of introduction from sss and i submitted the acct no to sss Dahil dito ipasok ang pension ko . Share me your thoughts . What can you say banker and Ms Cherry?

      Delete
    3. Marc p, ang savings acct na ito ay pension at may letter of introduction ako from sss , pwede rin pala nila itong kunin?

      Delete
  65. Hi po Ms. Cherry, banker and sa lahat ng bumubuo sa group na ito. Im also a defaulter of 55 cc, citibank, hsbc, metrobank, maybank & bpi. I want to share my experience too. B4 okay ako may credit good standing at hnd ako ngooverlimit until ngsakit ang mother ko tpos sbay pa nun nanganak ako at un dahil madami iniintindi na pgkakagastusan hnd na ko nkbyad sa mga cc ko. Pumayag ako dti sa offer ng hsbc & metrobank sa monthly payment na inoffer nila until ngpalya ako dahil sa kakulangan sa pera then lahat ng naibayad ko na yun nabalewala lang. Tpos this feb sbi sa akin ng sis-in-law ko meron daw ngvisit sa dti nming inuupahan kng sn malapit lang sa tinitirhan ng mga in law ko. Good thing hnd na ko kakilala ng mga nakatira dun ngaun at ang msmong nakausap nlan sis in law ko pro hnd dn cya ngpakilala, mga taga nbi daw cla may dalang warrant regarding daw sa bpi na utang ko which is only 30k below ang utang ko pro for now malamang malaki na coz of interest & charges mga 2016 pa ko hnd nkkbyad sa bpi. Tpos I received a letter from sp madrid who is handling my bpi accouna offering payment option pro dinedma ko lng kc hnd ko pa kyng harapin kc pregnant ako sa 2nd child ko & ngaaral pa ung panganay ko. Okay lang ba ginawa ko na dinedma ko ung ngvisit sa dti nming tinitirhan? Tpos ngaun maybank nmn tumatawag sa office nmn asking me to pay ung 50k dahil un daw ang credit limit ko, suerte nga daw ako kc discounted na kc umabot na daw sa 350k ang utang ko kc 2014 pa ko hnd nkkbyad kc ngkaproblem na kc husband ko nun sa company nla kya ako lahat halos shoulder ng bills at mga needs nmn sa house. Thn ung collector forcing me to pay 50k in just one month sbi ko nmn pag installment yng 50k papayag ako, but sbi nya pag daw installment ung buong outstanding daw ang babayaran ko with initial payment of 60k, ang sagot ko nmn bkt mo ba ipinipilit ung options mo hndi ko nga kaya, kya ngaun cnbi ko sa officemate ko if someone is looking for me about my cc debts wla ako, minsan nakausap dn nla supervisor ko sbi ko nmn sa visor ko wla lang po yun. Tama lang ba ginawa ko especially that im carrying now my 2nd child & ngkkron ako ng spotting coz of stress especially sa cc debt ko, aware nmn hubby ko sa problems ko pro sbi nya harapin na lang daw nmn pag kaya na talaga nmin. Tama po ba cya, ano po dapat gawin? Thanks in advance...

    ReplyDelete
    Replies
    1. Vanessa mga crooks lang yan nananakot; hindi naman criminal case ang kaso mo and the fact na wala ka pa namang kaso; don't mind them just think of your baby. If you receive a letter just throw it sa basurahan, pag nananakot na idedemanda ka mas ok kasi tapos na ang pananakot and whether you attend or not ng hearing you will be asked to pay at kung walang pera eh di wala. Believe me naranasan ko na yan and with the help of Diskarte team, i am living a peaceful life

      Delete
  66. Hello po everyone! Question lang po. Hahabulin po ba ng bank/c/a ang supplementary card holder ko? Pano po sa filing ng civil case? Damay din po ba ang supplementary? -KC

    ReplyDelete
  67. Lista ko po mga tanong ko
    1. Kung wala ka namang defaulted na CC sa isang bank, safe pa rin po bang mag save duon? Example sa PS bank wala naman po akong CC duon, ok lang kaya at hindi kaya ma-auto debit yung perang ise-save ko?
    2. May saving account rin po sa BPI ang anak ko. Since natatakot akong makuha nila sa BPI personal savings account ko ang sweldong napasok sa akin (hindi po payroll pero duon nagpapadala boss ko) ordinary easy saver lang sya, posible kayang makuha rina ng pera ng anak ko?
    Mag te-trace pa kaya si bank na nagawa ako ng online bank transfer from my account papunta sa account ng anak ko?
    3. Sa katulad nating mga defaulter at hindi pinapalad na makabayad (kasi di naman po lahat ay makaka afford pa) Gaanu po katagal na pepestehin tayo ng mga tawag/harrassment/email na yan from CA or Banks?
    4. Kung dumating na po na maging kaso ito at hindi makapunta, hindi rin makapag hire ng abogado, panu namin malalaman ang naging hatol ng judge? Magpapadala po ba sila ng kopya kung anung nangyari?
    Pasensya na po at maraming tanong. Thank you po Diskarte team (ms cherrylou & Banker)

    ReplyDelete
  68. To banker/ Ms Cherrylou, pareho ba ang opinion ninyo sa case ko kay Mark p? Noong nag open ako ng savings acct sa bpi may letter of introduction ako from sss kaya ang initial deposit is only 100 dahil nakaenroll ang bank sa pension program ng sss . Ma auto debit ba ang lumpsum ko at mo pension? Ang sabi kasi ni Marc p posible daw mauto dbit . Nasubmit ko na ang acct no sa sss dahil dito ipasok ang pension, pls enlighten me

    ReplyDelete
    Replies
    1. RA 8282 SSS Law
      Section 16
      all benefit payments made by the SSS shall not liable to attachments, garnishments, levy or seizure by or under any legal or equitable process whatsoever, either before or after receipt by the person or persons entitled thereto, except to pay any debt of the member to the SSS.

      Delete
    2. Thank you very much banker , i have now peace of mind. Continue to be a blessing to everyone by giving advice/ enlightenment to those who are in the same boat like me

      Delete
  69. okay na po ako for the last 7 months, i just keep ignorning the calls and emails until yung defaulted cc ko kay Metrobank napunta kay sp madrid. kinakabahan ako sakanila e, office address ang billing address ko.
    1. posible bang puntahan nila ako sa office? how about house?
    2. ang pagiging aggressive ba ni sp madrid depende padin sa bank na nirerepresent nila?
    3. ano ba mas okay para iprevent ko ang visit nila, sagutin ang calls at mag promise ng date kahit hindi ko talaga kayang mabayaran or ideadma ko nalang sila? ang dilemma ko kasi is kapag sinagot ko, baka mas maging persistent sa paniningil at punthan ako lalo kasi nagcommit ako. kapag naman dineadma ko, baka saka din ako puntahan kasi nila ako makausap e. ano po kaya mas magandang diskarte? thanks

    ReplyDelete
  70. Hi banker, mam cherry. Received another email. It says "May I ask your FINAL DECISION with regards to your UNSETTLED ACCOUNT at PSBank as you did not complied with the said settlement of P5,000.00 yesterday, April 12, 2018?"

    Kailagan ko pa po ba sagot Ito or delete the email na lang po?

    ReplyDelete
    Replies
    1. Ariel Salamera,
      e-mail/text messages-simply press delete para iwas stress :-)

      Delete
    2. Ariel Salamera, hi yes just press delete
      -and no need to reply on email...

      Delete
  71. More than 2 years nk default sa 5 cc ko.paminsan minsan my tmatawag sakin and parang na immune nk sa mga narrinig kong legal action,litigation,ipapa publish at ung mag bayad kahit 2k to show my willingness to pay.at iisa din sagot ko...i email nlng ninyo ang proposal at busy ako.continue nk moving on.tnx sa inyo mga kadiskarte...cris

    ReplyDelete
    Replies
    1. sir ask ko lang what banks po yan? may times po ba na pinuntahan ka sa office or bahay nyo?

      Delete
  72. Hi banker and mam cherry i just receive an email from sp madrid sa MCC default ako for 7 months

    "Kindly take notice that your obligation to our client, Metrobank Card Corporation (A Finance Company) [MCC] is hereby declared due and demandable by virtue of your failure to pay and settle the same within the period agreed upon, and despite MCC’s repeated requests and pleas upon you to do so.
    FORMAL DEMAND is hereby made upon you to pay and settle to our client the entire accountability in the amount indicated above, within fifteen (15) calendar days from receipt hereof; Otherwise, you leave us with no other alternative but to recommend to MCC the filing of appropriate legal action as may be necessary.Needless to state, in the event of suit, we shall equally hold you liable for further interests, late charges, costs of suit, attorney's fees and other expenses which court litigation would necessarily entail.
    We trust therefore, you shall give this matter your utmost preferential attention.
    Kindly call us at the telephone numbers indicated below if you desire to thresh this out before things get out of control."

    ano po susunod na action nila regarding sa demand letter?

    Hindi na sila madalas tumawag and yung EWB din bihira more on text nalang.

    Thank you sa mabibigay niyo na info sakin.

    -Mikaela

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

      Delete
    2. Ung Collectius ca kol po cla.ang sbi nbili ndaw nla act ko sa mcc.ano po ibig nla sbhin na nabili n nla?hindi ndaw mcc ang hhawak ng act k...cris

      Delete
    3. Bakit pati attorney's fees sakin liable? ganun na ba talaga ngaun?

      "Needless to state, in the event of suit, we shall equally hold you liable for further interests, late charges, costs of suit, attorney's fees and other expenses which court litigation would necessarily entail."

      -mikaela

      Delete
  73. hello po sa lahat..pareho lang po ba process ng defaulting sa cc dun sa mga loans in a cooperative?

    ReplyDelete