Tuesday, May 01, 2018

Collectors' Visits


Praning ka ba sa visit-threats nila? 
mag-deliver lang yan ng sulat, ala messenger.
"baka pahiyain"?
1. refer to Revised Penal Code about "libel"
2. call 911 at pahuli mo - crimes against honor.
3. ask for their authority to collect under BSP Cir. 702
4. call 911 at pahuli mo - swindling/fraud
5. pilit kang kausapin mo ang sa CP nila?
6. call 911 at pahuli mo - grave threats/coercion








136 comments:

  1. Hello Po. I’m joy Po. Sir banker, pa-help naman po ako. Kasi May naghatid Po ng letter dito sa bahay si mama ko Po yung nakareceived then kinuha Po nila yung number ko. Totoo Po Kaya ito sir na magkaka record n ko sa nbi? Nakasaad po sa letter sir na:

    This is final ultimatum for you to resolve your problem once and for all.

    Kindly be advised that you cannot stay away from this problem for the rest of your life. Already as we send this letter, the bank has already classified you as fugitive and being fugitive, you are now labeled “at large”, which is the natural consequence of your having violated your legal obligation to resolve and settle your liability to Eastwest Banking Corp.

    We are therefore sending this final ultimatum upon you to reconsider your position and resolve this problem today.

    If you keep on ignoring and disregarding our letters, we regret to inform you that upon filing of the necessary civil and criminal case against you, your name would be placed on the roster of persons with derogatory records in the:

    1. NBI (National bureau of Investigation)
    2. Bureau of Immigration and Deportation (BID)
    3. Foreign Embassies and Consulates
    4. Banking Circuits

    Additionally, you shall be labeled with derogatory financial record in other institutions which could include the government and the office wherein you are connected.

    For your decency and for your sake, we urgently request of you to immediately pick up your telephone and call us TODAY at the below numbers indicated from receipt hereof.

    Wes shall await your call until 4pm this afternoon.

    Very truly yours,
    Atty. Simeon P. Madrid

    ReplyDelete
    Replies
    1. Tapon mo na lang yang walang ka went ang-kwenta na extortion letter. lol!
      It is nothing but a scam.
      Why not just file a case
      Para mabuking yang panlinlang nila.
      "Law is a noble profession" but some lawyers use it to extort money from innocent defaulters. tsk ..tsk

      Delete
    2. mam joy, wg ka lng po padadala sa pananakot nla. gnyan tlga cla pra lng may makuha sau. Magbasa ka lng dto cgurado marami kng malalaman at matutunan.

      Delete
    3. Banker is correct... Panakot lang ni attorney collector yan... Just let them file the case just dont keep bank accounts to the defaulted bank..

      Delete
    4. @joy reconilo... just ignore
      we defaulters can never be considered as fugitives at large
      (unless sinakal natin si pesteng collector and....)
      i had 2 decided case for sum of money and am ok (ayaw ni bank yung amount na i can offer to settle past due...so de wag)
      and so far di naman affected ang barangay/police and nbi clearance ko
      and bec. i was able to save money...(like di ako nagpaloko sa b.s. ng mga pesteng collectors ) naka-kuha pa ako ng visa to japan...
      so just don't believe the rubbish the crooks are telling you and hang around

      Delete
    5. wag mo lang pansinin yan kasi ma stress ka lang. ako din nakareceive ng ganyan through email. tinawanan ko lang ehh sabay delete..

      Delete
    6. Dear fellow defaulter:

      No such thing!

      Ultimatum na nga, final pa?!?!?!

      Ang totoo lang dyan eh derogatory financial remarks ciguro pero from the first three government offices eh unless you will have a criminal record eh don ka bibingo sa kanila.

      wag masyadong padala sa mga sulat or email in english, pag masyadong madrama hindi totoo yan at pawang gawa gawa lang ng malawak na imahinasyon ng collector.

      Isa lang ang sagot dyan, it is considered cliche na pero totoo; kung gusto nyo akong idemanda, eh sa korte na lang tayo mag usap. Tapos ang mga pangarap ng mga tagasulat ng nobelang yan.

      Dont allow your intelligence to be insulted by these.

      Dukie, your fellow defaulter.

      Delete
    7. "at large" and "fugitive" is equivalent to "Harassment" that you can file against the issuer or publisher of an article/item if its not true or just to extort to someone.
      These words and their words are all lies...101%...


      I'm Back, Banker...Hello fellow Diskarte Readers

      Delete
    8. Hello po Banker and Ms. Cherrylou.. Ms Zep here! Goodpm 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. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. @joy reconilo. This is Kelly. Please huwag mo ng sagutin ang emails, letters nila dahil sayang ang oras mo. This attorney is a scam at yung letter, nakow klarong klarong pananakot lang. Pag ikay natakot, yan ang gusto nila. Wag ka na ring magbigay ng amount na sabi mo nga kaya mong ibigay. WAG na please. Nasayang rin ang binayad ko sa kotong collectors na to 4 years ago. So please, just follow Banker's advise and Ms. Cherrylou. Mag relax ka na. Stop worrying please.

      Delete
  3. Thank you po Sir Banker. Paano po kaya kapag nagpunta ulit sila dito? Ano po sasabihin ko po sir sakanila? Pasensya na po makulit lang po. :(

    ReplyDelete
    Replies
    1. @ joy reconilo... hi can i answer your question
      just tell them "sorry no extra budget to pay period"
      promise kotong collectors won't dwell on your account for soooo long... sayang ang effort and they too have sooo many accounts to cover
      -sa mga c/a...asar-talo lang ang peg

      Delete
    2. Thank you so much po Ma'am Cherrylou :)
      So ayon nga po sinabi ko na hanggang 500 lang talaga mababayad ko monthly tapos ayaw pa rin nila pumayag then sabi ulit mag-initial payment daw ako ng 5000 para ma-approved daw yung 500 monthly. E sabi ko wala talaga ako maibabayad ng ganyang kalaki hanggang 500 na nga lang sabi ko sa kanila. Wait ko reply nila sa email wala pa naman. Sana nga di na mangulit pa. Maraming salamat po talaga sa inyo buti na lang talaga nakita ko itong blog na po ito. :)

      Delete
  4. Sir okay lang po ba sabihin sa kanila na pay when able? Walang wala po talaga ako. At may binigay na contract si mbtc na nagaalangan akong isign. Drfaulter po ako ng mbtc, hsbc, citibank and rcbc. Medyo rude pa nga ko nakausap ko from hsbc.

    ReplyDelete
    Replies
    1. @Timmy, hi sure you can tell that to the face of the c/a...remember ikaw po me hawak ng finances mo...so you alone have the right where to put your money (and for now sa basic needs muna ng family...like food on the table
      -and yes pesteng-collectors were trained to harass/bully defaulters (lalo na pag newly defaulted, mindset po ng mga comedians is madali pang-matakot si defaulter)
      and it's really asar-talo with the crooks; so just pls. learn the proper diskarte and to NEVER ALLOW the crooks/cosplayers to control our life and pramis wala pong forever with the comedians
      they would come and go ...so di po dapat seryosohin
      hope this helps

      Delete
    2. @ timmy... and no need to sign those drafts of repayments

      Delete
    3. Hi Banker, Ms.Cherrylou & Diskarte Team, OK lang po ba yun? ako kasi hindi ko na lang sinasagot tawag ng Comedians sa CP ko, para less stress na lang din, kasi alam ko ganun lang din naman mamimilit sila na magbayad ako, eh sa wala naman talaga ako ibabayad...at mas mabuting unahin ko pangangailangan ng Pamilya ko, thanks po sa lahat ng advise nyo sa amin, God bless po sa ating lahat!

      Delete
    4. @blueunicorn, hi sure ok lang po not to take the calls of the comedians
      pramis they too will get tired of calling you and will just try their luck with the other defaulters on their lists
      and pls. focus on basic needs of the family... May God bless you too

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

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

      Delete
    7. @Rrichard eclevia... tama...
      that is also what i have been doing with calls in the office
      kasi if you prove difficult na maka-usap
      ayan na yung crooks will leave messages with your officemates... blah blah
      and ang ending tayo na ang pulutan over lunch break...tsk tsk tsk
      or mag-mamaganda na kakausapin si hr/management as if me concern sila over past due natin with banks
      so take ko na lang calls and will tell them na "sorry much that i wanted to pay them but no extra budget talaga!!! and off they go

      Delete
    8. @Timmy suki din ako ng HSBC aka defaulter, since 2016 pa. mdaming na CAs ang kumontak sa akin pero pasalamat ako sa blog ni banker lumakas loob ko laban sa knila.

      nandun na yung pangbabastos nila sa sarili kong bahay, pero kahit ganun ndi pa din ako nagpa-uto sa knila.

      Delete
    9. @IamWhatIam_15 grabe nga po sila lalo na po ang collections. Nagstart akong madefault last dec. I didnt take any calls kasi nakakastress lang pero sinagot ko na rin simula mabasa ko tong blog. Ang babastos talaga nila kausap.

      Delete
    10. Hi timmy, ung sa rcbc mo anung gngawa nlang action pg nadefault? D ko na kc kaya bayaran ung outstanding ko and may mga installments din ako dun. Plano qng igive up na kc pulos minimum payment lng naibabayad ko.

      Delete
  5. hi guys, banker and ms cherrylou. ask ko lang po, last NOVEMBER ang date pero dumating saken ng late January, as usual hindi ko na naman pinansin po (alam ko na may case na sum of money saken)

    ganito nakasulat "When this case was called for hearing on the motion for issuance of writ execution, only the counsel for the plaintiff Atty. Leonel was present."

    then last week may dumating ng letter ulet from MTC,

    ganito naman

    ORDER

    For failure of the plaintiff to submit proof of service as directed in the Order dated November 2017, their right to do is deemed waived.

    Consequently, the motion for issuance of Writ of Execution is now submitted for resolution.

    Furnish parties and counsel copies of this order.

    -Anu meaning nyang huling letter? nag fail sila na mag submit ng proof ng ano? pasensya na tanga lang sa mga terms nila..
    -tsaka kung may case na talaga, sa pagkakatanda ko kasi tumawag na naman si LAW OFFICE sa bahay namen, siguro Feb or March (alam naman sa bahay kung anu isasagot sa kanila).. baket pa sila tatawag?

    thanks! more power po!

    ReplyDelete
  6. Hi guys share ko lng Ra10870..
    N approved n..
    More power godbless.
    @boy alas

    ReplyDelete
    Replies
    1. ang pagkakaalam ko July 2016 pa approved yan..

      Delete
    2. Hello sir ano po meron sa ra10870?

      Delete
    3. @ boy alas... oh that's good news
      -RA 10870 is for fair debt collection
      -like you can put to jail abusadong kotong-collectors
      i.e. for harassment

      Delete
  7. Good Morning Banker and Ms. Cherrylou De Jesus. Received a text message last Friday and it says:

    Metropolitan Trial Court
    Name of Default Card Holder
    Expect our official commo to issue your court order exactly 4PM together with sheriff to issue writ of preliminary attachment to garnish your real and persona property at ----------------------. Please be inform for your voluntary surrender to avoid commotion at your area.

    Yolanda Pascual
    Clerk of Court III
    Metropolitan trial Court

    Hope to hear from you soon. Thank you and have a blessed weekend.

    Julie

    ReplyDelete
    Replies
    1. Please refer to “seems legit” blog.

      Delete
    2. @Julie... hi pls. ignore
      lumang scam na yan ng pesteng collectors

      Delete
  8. Correct me if am wrong sir banker mam cherrilou..the irr credit card industry law was enacted 2yrs ago.
    Ra 10870 may 04 2018 n add lng ung correct computation regarding interest and fees for unfair collection practices.
    Kelangan din katulad nting defaulter
    Bgo mpunta account ntin s mga ca meron taung written consent n pinapayagan ntin cla this is between us and the issuer(bank) at lastly s mga ca kelngan nla mging mgalang,mabait s pakkpagusap s atin mga defaulter..
    Hope this help..tnxs so blog n ito.
    @boy alas.. Xencia n ngaun lng nsagot.

    ReplyDelete
    Replies
    1. yes that's right po
      like the act is giving guidelines on the cc issuance and at the same time orienting defaulters on the proper and legit way of collecting debts

      Delete
  9. received today an email for good program amnesty 20k na lang daw babayran ko plus mag issue sila ng certificate. delete then dedma lang.. :)

    Have a blessed day ahead kadiskartes!

    ReplyDelete
  10. goodday ms.cherrylou depositor po ako ng sa dlawa bank sa East west bank at Bdo bank isa po join account kmi ni miss ko.at ang problema po mam yun east west may credit card ako pero yun una na nagbabayad po ako ng plan of payment po ako kso na wlang po ako ng work.at napabayaan yun na yun paghuhulog kaya yun saving ko sa kanila na 100thousand peso na bawasan ng 38thousand peso po kinuha po ng bank yun credit collection sabi ng maneger sa banko.bakit ganon mam maykarapatan ba sila kumuha ng savings nmin na hindi nmin alam.ganon din po nagyari sa join account nmin ni miss ko sa Bdo bank ang may utan yun miss ko bakit pinakiilaman ng banko ang saving nmin ng miss ko na wla po sa amin ay 56thousand peso po ang tuturuan sila ang sbi ng maneger ng bank ang collection department ng credit card yun tumawag kmi by phone at sabi ang head office daw ng BDO.kaya nga sa inis ko withdrow kp na lang po na titira pera nmin.e nilalaan ko pa nman po yun sa pag aaral ng anak ko hindi na pala safety mag banko ngayon.wla rin po na gawa ang banko central ng pinas ksi gumawa kami ng sulat sa kanila wla rin po ng yari.

    ReplyDelete
    Replies
    1. hi sorry for late reply
      yes, allowed po ang defaulted bank to subject our bank account into auto-debit/off-setting
      like what had happened to ewb and bdo
      -so the most sensible thing to do is never to keep bank accounts in the same bank na me defaulted cc/loan
      -and tamang decision po to close the account

      Delete
  11. Good day po Sir Banker,

    Sir asked ko lng po kung ano dapat kung gawin sa mga c/a na tumatawad sa akin kasi d ko na pinapansin mga sulat nila pero lately po tumatawag sila dito sa ofc. actually d na ko sumasagot sa tawag nila pero itong certain chris ay very persistent po at ako nakasagot ng tawag nya nitong umaga lng. pero d ko po sinabi na ako yong hinahanap nya. pero sabi nya as what he had told sa mga nakasagot sa kanya na mga officemates ko na nag sisinungaling daw ako at ako lng daw talaga ang kausap nya mula pa last week. and he threatened me na gugulohin dito sa office at magpadala daw sya ng mga police dito. at panindigan ko daw mga pagsisinungaling ko dahil d ko daw kilala ang kinakalaban ko.

    ang worry ko po is baka ipahiya nya ko dito sa company namin tas d ko alam ano real name nya kasi pag kakaalam ko po they are not giving there true identity po.

    I have talked to our operator na po not to entertain mga calls galing sa kanila pero prob is in the absence of our telephone operator si manong guard ang sumasagot at d daw nila kayang i-screen mga tawag at magpaalam pa daw sya sa supervisor nila.

    Sir banker please help me po kung ano dapat kung gawin sa tumatawag sa akin.

    SAlamat po and God bless.

    ReplyDelete
    Replies
    1. hi can i answer your question
      -in my case... i am taking the calls of the kotong-collectors
      kasi from what i have observed the more na na-i-ignore sila is lalo lang silang nagiging pasaway...like leaving nasty messages with my officemates and yes meron pang threat na kakausapin si hr/management bec. of my past due (as if concern yun ni hr/management)
      pls. don't worry, walang forever with the crooks, they simply come and go; so walang personalan
      -or if you want you can just tell them to sue you for sum of money and will see them in-court
      (pramis, ayaw nila yun, prospect of getting a commission will vanish in thin air...)

      Delete
  12. hello po sir banker danna po pala to yong nagpost ng sulat about c/a caller sa office po.

    Sir Banker asked ko lng po ang ra10870 ba is applicable din sa mga defaulter na tulad namin na nagkaroon ng problem sa cc bago pa na approve ang law na ito po?

    ReplyDelete
    Replies
    1. Sir banker danna po uli to. Sir please help me po ano gagawin ko sa certain chris na tumatawag po sa akin sa office po... kasi he threatened me na ipahiya nya daw ako dito sa company namin... i have asked our phone operator na po not forward any calls na galing sa taong to po, ang problem kasi d naman daw po sila nagpapakilala sa phone at isa pa in the absence ng operator namin ay guard po ang sumasagot... at d daw sya makapagdecide kung iforward ang tawag sa amin o hindi...

      Delete
    2. hello po sir banker!

      Danna po uli to...

      just this morning po may nakabangayan ang office mate ko over the phone po... still a certain chris po... he is accusing my office mate po na tinatago daw ako at ang totoo daw sya daw ay ako at denideny nya lng kaya nagalit ofcmate ko kasi ginwa pa daw syang sinungaling nung lalaki kaya nagkasagotan daw sila. it so happen po na lumabas ako ng mga time na yon.... kaya tinakot sya nung lalaki na dahil matapang daw sya (he is referring to me actually) hintayin ko daw ang summon dahil magfile daw sya ng case against me...

      Sir BAnker, tingin mo totohanin kaya nya ang sinabi nyang magsampa ng kaso against me?

      please help po...

      Delete
    3. @Danna, hi first of all
      crooks can't file a case. call po ni bank ang pag-file ng case
      yes, we're all covered by RA 10870
      know what, no big deal with the sum of money case
      it is just the end of the pesteng collectors
      look i had a decided case for sum of money in 2014 and am GOOD
      -now making pahiya sa office
      pls. remember if ever you're in your territory and nobody can even hurt/bully you
      pag nag-maganda... just kick his butt off your office and isumbong sa security
      -bi ba possible naman yun
      and tulad ng sabi ni banker TO NEVER ALLOW THE KOTONGEROS TO CONTROL OUR LIFE!!!

      Delete
  13. Hi Banker! Out of topic po itong concern ko. Kapag nagchange surname na.from single to married, malalaman pa ba ng banko yun na defaulter ka sa kanila? Or my chance pa na maapprove sa ibang credit card companies?

    ReplyDelete
    Replies
    1. @ Menggay, hi from what i know yes
      remember, sa info being given to the bank
      me naka-lagay na mother's maiden name
      feeling ko dun nila nakikita yung pagiging defaulter natin

      Delete
  14. Hello,

    Hope you can help me. I just received a letter from Sualog Lawfirm regarding my unpaid BPI Card Amount. Letter says that they regret that they have already filed a case against me to recover my long overdue unpaid balance. However, they are still open to settle amicably. My question is this, cause the letter seems legit...Have they actually filed a case against me? or is this just an empty threat? I owe them only about P200K... I am a single mother and I actually have a stable job but was diagnose with a chronic disease a few years ago. I am currently spending P70K for medications alone and this is were my salary is going to. I am so stressed out to the point that I am already considering suicide (had it not been for my child) since I have a lot of past due cards (not only with BPI). Please help don't know what to do.

    ReplyDelete
    Replies
    1. Christine,
      It's just an empty threat :-)
      Avoid stress and don't ever think it is the end of the world. Hindi ka nag-iisa. Marami sa sitwasyon natin ang mas malala pa...I know you can surpass all the challenges in your life. Have Faith on Him...

      Delete
    2. @ Christine, hi bpi is one of the banks filing for a case and pls. don't despair
      -no big deal bout the sum of money case
      like pag walang pambayad eh di wala
      settle amicably, will offer you discounted amt for one time payment or can do terms and the catch is "if you fail again to comply tuloy ang sum of money case...ang saya they got your money and me case ka pa
      -Christine, i had a decided case for sum of money in 2014 with bpi and i must say "am good" have followed banker's adv. to the last letter
      -for now pls. focus on your child and on your meds

      Delete
  15. christine
    good day po. same situation po tayo. para po di kayo ma stress wag nyo po basahin ang mga letter at pag may tumawag po sabihin nyo wala pa kayo pambayad. make all call short and simple. kung possible palit ka ng sim. unahin muna ang family basic needs. medicines mo. defaulter tayo hindi tayo criminal. pag may time basahin mo previous blog dito sa diskarte malaki help sa atin payo nila banker at mam cherry.
    dont worry christine. been there.pray mo na mawala sa isip mo ang fear.
    pls pls dont take your life.email mo si banker at si mam cherry para ma enlighten ka. bless you christine.

    mommy p

    ReplyDelete
  16. hi banker. natatakot po ako mag open ng bank account kc bka mgsulputan n nmn mga credit card n niningil s bahay.. any advice po..

    ReplyDelete
    Replies
    1. hi pls. don't worry bout the cc collectors
      -just try and open a bank account
      sabi nila, mahirap daw mag-open account ang defaulter lalo na with bpi
      -sa totoo lang, i myself cannot see the logic in it
      if ever we open an account, di naman tayo maglo-loan
      infact we will be entrusting pa our money with these banks for them to invest...imagine sa interest me cut pa si bank...lol
      -bank industry must be crazy !!!
      pls. share your experience if you are able to open an account huh...
      thanks

      Delete
    2. Hi guys, share ko lng po kc nag wowork ako sa bank. Ung regarding sa pag oopen ng account nting mga defaulters gnito kc sa process sa bank namin. Pde k naman mag open ng account savings nga lng.di ka pde mag open ng checking account. For approval pa ng bank un. Ganito un Before ka mag open ng account dadaan muna yan sa NFIS system. Dun nkikita lahat ng names ng mga delinquents sa cc at sa loans. Then kpg lumabas name mo na positive ka sa NFIS di ka pde open ng checking accoun. Ang pde lang savings. And make sure na wag ka mag oopen ng account kung san my cc defaulted ka. Big No no un. Kc magagarnish lng un.
      Hope makatulong to... Godbless po sa inyong lahat... ��

      Delete
    3. anong bank po yan jialben?

      Delete
  17. Yes mommy christine same tayo single mom din. Dati super takot din ako at depress madalas kabado sa bawat araw. Ang utang ko 2016 ay 160k at ngayon nasa 400k na. Naka summon narin po ako. Pero binabasa ko lang ang blog na ito para lumakas ang loob ko. Malaking help po ito. Wag ka panghinaan ng loob at di ka nagiisa. Need ka ng anak mo kaya palakasin mo loob mo. Basahin mo lang ito palagi. Dahil wala naman talaga tayo maibabayad sa ngayon wala tayo magagawa.

    ReplyDelete
  18. Hi po Banker and Ma'am Cherrylou, nakareceive na po ako ng decision from court to pay the amount + 6% annual interest rate. Medyo worried lang po ako, sana masagot po mga questions ko
    1. Meron po sasakyan na nakapangalan sakin at nakamortgage pa sa ibang bangko, pwede po ba ma garnish?
    2. Sa lahat po ba applicable na hindi pwede ma garnish ang salary kahit above minimum wage earner? Above wage earner po ako pero sakto lang po sa pangangailangan namin lalo na ngayon at maselan ang pagbubuntis ko at naka medical leave ako.
    Thank you po ng madami.

    ReplyDelete
    Replies
    1. @Carrie
      hi, defaulted bank will just go after our cash and bank deposit
      -mahirap po to execute properties lalo na kapag- naka-mortgage pa
      -parang bayaran ba muna ni bank yung car para nila ma-execute ???
      yeah bawal to garnish payroll/pension account
      -alam din ni hr...as in bawal po sa labor law
      for now pls. focus on your pregnancy, bawal po ang stress and just like me...kakayanin po ng powers nyo ang sum of money case
      -i got the decision in 2014 and writ of execution is 2016
      minsan nagparamdam si legal counsel early part of 2017 and that was it
      and so far kumpleto pa rin mga gamit namin sa bahay

      Delete
  19. hi carrie, anong bank yung nag file ng case? thanks!
    -ASSASSIN

    ReplyDelete
  20. Hi Ms. Cherry & Banker! Silent reader po ako pero nakapagpost na ko last feb regarding cc default na anytime soon ay kukulitin ako ng mga pesteng ca collectors which is now halos malowbat na cp ko sa kakatawag nila lalo na ang RCBC. Ang worry ko kasi is yung nanay ko na ineentertain pa yung calls sa landline namin na kahit anong sabi ko na wag pansinin talagang nasstresa sya instead na dapat ako ang mastress. Ang concern ko ay kung ok lang ba na ipaputol namin yung landline at magpakabit kami ng bago pero nakapangalan na sa brother ko kasi gagamitin nya sa business. Ako naman ay lumipat na ng bahay kasama ang pamilya ko kaya d ako directly nakakatanggap ng calls sa bahay. Pero inaassume sa bahay na don pa rin ako nakatira. At hindi ba magiging concern yung paglipat ko ng bahay at d ko naupdate sa bank records ko? Last yr lang kasi kami lumipat ng asawa ko na ok pa payments ko sa bangko until last feb. naging defaulter na ko. Thanks!

    ReplyDelete
    Replies
    1. @Bien Rojas, hi of course you can have your old landline cut and can transfer house/office anytime
      -that's your basic rights
      and yeah for now just ignore the calls and sabi nga ni banker, someday pag ok na ang finances eh poss naman na bayaran natin past dues
      -for now, focus muna on basic needs of the family
      when newly defaulted with cc/loans, persistent lang talaga ang mga comedians but as days/months and years would passed by mababawasan din mga comedians
      pramis

      Delete
  21. Wow it is just a relieved..
    I able to read and view this site..
    It helps a lot when you were really down and tend to end life just because of this collectors who tried to ruin my life even my relationship with my inlaws..

    Thank you so much!

    ReplyDelete
    Replies
    1. yeah being a defaulter is not the end of the world
      -we just need to focus on the basic needs of the family like food on the table and pag-aaral ng mga bata

      Delete
  22. What if po ang utang ko sa credit card is P400,000 inclusive of interest charges and fees, makakasuhan pa din po ba ako small claim or mas malala na kaso?

    ReplyDelete
    Replies
    1. Also a defaulter here, as far as I know based on reading this blog, up to 200k po sa small claims court. Yung ganyang amount po is Sum of Money case na in case na ipursue ng bank.

      Delete
    2. @Harris Teeter, hi defaulted amt of 100k or abutin pa ng 1M will still be a sum of money case (a civil case, parang annulment case lang)
      pag walang pambayad...eh di wala
      -no serious case po

      Delete
  23. Opo yun sakin 180 yun balance pero because of the charges more than 300k na naka file na sa court for sum of money.

    ReplyDelete
    Replies
    1. hi, anong bank po iyon? at gano katagal bago nafile ang case?

      Delete
    2. Bpi po. Mga more than a year lang po

      Delete
  24. Ask ko na din po if anyone else received an email gaya nito from Citibank? Salamat

    ReplyDelete
  25. Hi Ms. Cherry & Banker! Silent reader po ako pero nakapagpost na ko last feb regarding cc default na anytime soon ay kukulitin ako ng mga pesteng ca collectors which is now halos malowbat na cp ko sa kakatawag nila lalo na ang RCBC. Ang worry ko kasi is yung nanay ko na ineentertain pa yung calls sa landline namin na kahit anong sabi ko na wag pansinin talagang nasstress sya instead na dapat ako ang mastress. Ang concern ko ay kung ok lang ba na ipaputol namin yung landline at magpakabit kami ng bago dahil ipapangalan na sa brother ko kasi gagamitin nya sa business. Ako naman ay lumipat na ng bahay kasama ang pamilya ko kaya d ako directly nakakatanggap ng calls sa bahay. Pero inaassume sa bahay na don pa rin ako nakatira. At hindi ba magiging concern yung paglipat ko ng bahay at d ko naupdate sa bank records ko? Last yr lang kasi kami lumipat ng asawa ko na ok pa naman payments ko sa bangko until last feb. naging defaulter na ko. Thanks!

    ReplyDelete
  26. Hello po. Nakareceive po ako ng email from a Citibank email.

    “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 Cases Chun & Associates Law Offices 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 Cases Chun & Associates Law Offices at telephone number (02) 403-8983 or visit their office at Room 408 Cityland Condominium 10 Tower 2, 154 H. V. Dela Costa St, Salcedo Village, Makati City.

    If full payment has been made, kindly disregard this notice. Kindly call us to confirm our receipt of your payment.

    You may visit www.citibank.com.ph/payments for a complete list of payment channels.

    We trust that you will give this matter your preferential attention.”

    Pwede pong malaman anong pwede gawin? Legit email po ba ito? I googled yung lawfirm meron silang jobstreet pero no other information.

    Citibank email ay ganito: citibank@emailapps.globalcommon.citi.com

    Salamat po.

    ReplyDelete
    Replies
    1. may nareceive ako email and letter na ganyan last april 02 lang. ms cherrylou told me na just ignore it kase wala naman ipambabayad pa talaga lalo na wala naman akong work

      confused girl

      Delete
  27. To add po pala 2013 pa po nadefault ang credit card from Citi. Wala na pong tumawag over the past year. Ngayon may nagemail na naman po.

    ReplyDelete
    Replies
    1. wow huh, mukhang sobrang delayed ng demand letter ng citibank
      -now you have the option to disregard the demand letter

      Delete
    2. thank you Ms Cherry! pero po dapat ko pa ba itanong magkano yung utang ko? Ang tagal na kasi po since nung nagdefault ako.

      Delete
    3. hi i don't think the comedians is aware how much yung defaulted amt. talaga
      ang alam lang po nila is the amt. na gusto nilang ipatong na 25% daw of attorney's fee
      whoa !!!

      Delete
  28. Hello Banker!

    I have a Php100k credit card outstanding balance with EWB. Since 2010 pa ko sa knila , and I have only been recorded with 5 late payments so technically I am still in good credit standing with them. My problems is I have been paying the card for 3 years already with an amount of 5000 per monthly. Lumalabas na naka 180k na ako ng payments. To sum it up, that is more than enough to cover my debt from the bank. Kaya lang since 5k ang nababayad ko buwan buwan, hindi naman masyado nababawasan ang utang ko at paminsan-minsan nagagamit pa rin ang card pag nagigipit. I tried to call them and request for restructuring pero wala daw sila program for that. Nakakainis lang kasi na willing ka mag pay pero ayaw ka tulungan ng bank na maayos yung utang mo. Do I need to be a defaulter pa and sa CA na lang makipagtawaran ng utang?
    Ayoko lang kasi na matawagan dito sa office or may pumunta sa bahay namin dahil unang-una hindi naman akin ang bahay sa parents ko. And sa office naman, baka maging talk-of-the-town pa ako. What should I do para maayos ito without hassle? Sa totoo lang din, nabibigatan na ako dahil lumalaki din ang gastusin at tumatanda na rin ako pero nahihirapan mag ipon dahil ang utang ko di nababawasan.

    ReplyDelete
    Replies
    1. hi with ewb you really need to default on your payments bago ka nila bigyan ng repayment scheme and for sure by that time bloated na yung demanded amt nila (and yes it's sad as you have been paying them 5k monthly and di man lang nabawasan yung amt. due the bank)
      -in my case my credit limit with ewb was just 22k, na delay ng ilang payments and nung medyo struggle na ang pagbabayad i requested for repayments and wala daw available, so ayun i stopped payment and that was just last year and as per the last c/a, nsa 180k na daw yung bill ko...that's crazy
      and for now, if ever i will just wait for an authorized c/a, na fair ang demanded amt. and with written agreement and i will surely pay... but dapat yung defaulted amount lang na more or less 22k
      -pag ayaw...eh di wag

      Delete
    2. Natatakot lang kasi ako baka makasuhan ng sum of money. Kakatawag nga lang ng collections dept dito sa office, eh since di ako nakabayad last month, naging 15k ang minimum amount due. 5k nga di ko na mabayaran, 15k pa kaya. Ang kulit lang din nila, tawag ng tawag dito sa office even if I already gave them my personal number. pwede ba na ipasabi ko sa reception namin na di nko connected dito? Hayst!

      Delete
    3. hi when an account is about to default or newly defaulted pls. expect the comedians to be sobrang kulit (now with the new law being enforced... let's hope maging makatao these lacoste... though sa ibang struggle ang magpaka-tao
      ok lang po to ignore the calls iwas stress/ yun nga lang me possiblity for these crooks to leave nasty messages with ka-officemate
      -what bank are you talking about
      fyi these are the banks filing for sum of money cases
      a. bpi
      b. bankard
      c. citibank
      d. bdo
      e. lending companies aka 5/6 banks
      -now if they do file a case... no big deal (just don't keep bank accounts)

      Delete
    4. Hi ms. cherry, its EWB for me. Sobrang sure po ba na hindi nagfa file ng sum of money case si East WEst Bank? For bank accounts po, hindi po ba mahirap if hindi mag open especially when applying for visas?

      Delete
    5. hi yes positive that no postings yet bout ewb filing for a case (sadyang makulit lang po c/a nila; but no big deal)
      -now i haven't tried opening a bank account for visa purposes ( sabi nila bpi daw ang me issue bout defaulters who would like to open an account)
      -fyi, me payroll account kami (union bank ) and i can use that whenever i apply for visas
      -like they will issue bank cert or you can even request bank statement for a fee

      Delete
    6. Hi Ms. Cherrylou, thank you for answering my questions in behalf of banker. Pero, pasensya na po sa pagiging makulit, pero, pwede nyo po ba ako mabigyan ng reference regarding sa EWB not filing sum of money cases? Pasensya na talaga..

      Delete
    7. Si m'am cherrylou is not GOD to guarantee everything 100% for you .
      lol!

      Delete
    8. @Banker... that's cute Banker
      looking forward to see you, been getting private emails and a number of kadiskartes are more than interested to join the eb next month
      till june 23 and salamat po again for spending your precious time with us...
      God bless and stay safe

      Delete
    9. hi much that i want to but cannot provide you one at the moment... but don't worry
      with the previous ebs, huge ang defaulted amt. nila but no filing of sum of money case naman
      -i for one, had sum of money case with bpi and bankard (notorious sila for filing a case) and so far am OKEY
      -like no garnishment of my payroll as it is exempted from execution
      as of last night, complete pa naman gamit namin sa bahay... whoa
      and no sight of the sheriff at my doorstep
      and pag me budget, naka-kuha pa naman ako ng visa to japan... no hold departure order
      bank cert sa payroll account namin
      -hope this will make you kalmado...

      Delete
  29. Good evening po ms cherrylou and banker. Sobrang nakakastress po ang mga ca. Kahapon po may taga cases chun & associates sa ofis. Grabe si ate di daw sya aalis hanggat di ako nakikita nag antay xa ng almost 2hrs pero di ko xa nilabas. Pagkakita ko sa demand letter super bloated na ang amt..need to pay in full the amt of 63k+ tapos pag gagawin ko xa installment na 6-12mos naging 217k xa. Napaka oa nmn ata sa kataasan. Ano po bang maganda gawin pag bumalik uli si ate. Di ko kasi xa nilabas kasi baka gumawa xa ng eksena.

    Jessie

    ReplyDelete
  30. Good evening po ms cherrylou and banker. Sobrang nakakastress po ang mga ca. Kahapon po may taga cases chun & associates sa ofis. Grabe si ate di daw sya aalis hanggat di ako nakikita nag antay xa ng almost 2hrs pero di ko xa nilabas. Pagkakita ko sa demand letter super bloated na ang amt..need to pay in full the amt of 63k+ tapos pag gagawin ko xa installment na 6-12mos naging 217k xa. Napaka oa nmn ata sa kataasan. Ano po bang maganda gawin pag bumalik uli si ate. Di ko kasi xa nilabas kasi baka gumawa xa ng eksena.

    Jessie

    ReplyDelete
    Replies
    1. @jessie...wow ha super oa naman ang defaulted amount
      si ate might be the messenger of the comedians and was just instructed to wait till she delivers the final-never-ending demand letter
      -what to do...nothing
      if you've got spare time...just tell her "sorry no extra budget to pay period; really no need to tell her our life story
      concerned lang po sila if we can make up with the payment
      but if no joy...then wala
      they will just go to the next defaulter in line
      -pag pasaway, sumbong lang po sa security

      Delete
  31. Nakakatawa , I decided to answer the call of one of the kotong collector of my RCBC defaulted card...nag introduce yung ca in a very courteous way kaya I answered her with a courteous voice telling her to sue me...biglang nagalit sabi aware ba daw ako sa mga posibleng mangyari...sabi ko oo kaya nga idemanda mo na lang ako...so to my fellow defaulters if you have an extra money either you go to the bank directly or itulong ninyo sa nangangailangan and learn the lesson. Thank you Banker and Ms. Cherrylou

    ReplyDelete
    Replies
    1. @wey ferrer... ay nagalit si ate
      anyare... nawala prospect of making a collection
      tsk tsk tsk

      Delete
  32. Sana naman masunod na to.

    https://www.rappler.com/business/201769-bangko-sentral-pilipinas-rules-credit-card-law

    ReplyDelete
    Replies
    1. @Harris Teeter... hi sana nga po
      now when the kotong-collector calls, unahin hingin full name ni comedian, what agency he is representing and the defaulted card etc
      -hope the law will put them in their proper places
      sa totoo lang, di naman nila need ang maging rude
      if we have the money, demanded amt. is fair, me written agreement and of course authorized si c/a
      -of course will come up with the payment
      banker per se is not condoning non-payment of utang
      all he wanted is to bring back DIGNITY sa defaulters
      MASAMA ba yun

      Delete
    2. @Cherrylou yeah tama nga yun. Also napanood ko to sa news kagabi na bawal na ang harassment. Like: Calling HR, Manggulo sa office, magpanggap as lawyer/police etc. I hope talaga na masunod tong law na to

      Delete
    3. @ Harris Teeter... fingers-crossed
      enewi pwede naman natin silang isumbong sa card company and with the bsp
      -need to get lang complete info of the crooks

      Delete
  33. Hi im a ailent reader... i got this text message po..nagworry po talaga ko..ano po ba ito? Salamat po. ATTENTION: THIS IS P/SR./INSP. RICHARD ALBANO JR., FROM CAMP CRAME/CIDG-ANTI FRAUD AND COMMERCIAL CRIME DIVISION. WE RECEIVED IMMEDIATE FORMAL COMPLAINT AGAINST YOU. WE ARE GIVING YOU 24 TO 48 HOURS TO COORDINATE WITH US AT 09564190334/(02)3751240. OTHERWISE MANDATORY WARRANT OF ARREST WILL BE SERVED IMMEDIATELY.

    ReplyDelete
    Replies
    1. hi just delete the sms
      lumang scam na po yan ng pesteng collectors

      Delete
  34. Hello po.. silent reader here. May tumawag po sa bgry namin na nagpapanggap na superintendent daw sya. Pinabibigay po sa akin yung cp no. Nya at nag-abiso na tawagan ko daw po sya kung hindi papadampot daw po ako.hihingi po sana ako advice.Thank you po.

    ReplyDelete
  35. hi since you are aware na me defaulted cc/loan ka, from now on pls. disregard all the stupid calls/sms na pinadaan sa barangay/hr etc... lumang scam na po yan ng pesteng collector
    for now pls. focus on basic needs

    ReplyDelete
  36. Hello! May nka-encounter na po ba ng Collectius PH? From Metrobank po yta sila. Any feedback po? Matagal na po ako walang paramdam from CC collectors ngyon na lng po ulit. Thank you.

    -Ms.Choknut

    ReplyDelete
    Replies
    1. @ Mr. choknut, hi have also received a demand letter from mcc saying that collectius is now their authorized collecting agent... in fairness ok naman sila (unlike the past comedians...)
      but sorry na lang as no extra budget yet to settle unpaid bills
      -still building up retirement fund (hopefully to retire in 3 years time)

      Delete
  37. Yes,same ca(collectius) of mcc.nbili ndaw nla ang act ko fr mcc.sbi k sa mcc ako mgbbyad.kahit pmunta daw ako sa mcc itturo din daw ako sa kanila.so problem n nla un kng d ako i entertain kko.kya nga daw kol cla pra bgyan ako ng option.i email nyo nlng ksi busy ako kko.then sbi kng mag e mail b kmi magbbyad k?kya nga rreviewhin ko kko.taz ano email ad m sbi.o db nbili nyo na act ko bakit wala ako details sa inyo.until bnabaan k sya ng fone.after a while kol uli.ung ksama ko nkasagot.sbi daw wag ko daw sya bbaan ng telepono.ang bastos ko daw.sbay bagsak ng fone.naawa daw ung ksama ko sa ca ksi parang nkkaawa ang boses.sbi ko nman stress n yan cla.sa dami b nman defaukters na tnatawagan nya kko.bka nga mdala nya yan sa haus nla ang stress.so ayun,dn tmawag o nag email.

    ReplyDelete
  38. @Rich Rmt... hi yes yan po ang style ng mga comedians
    like pag nag-email ba eh mag-babayad na tayo
    -depende kung kaya ng budget (fair demanded amt.) and authorized si c/a
    why not coconut ???
    and i guess yung pagkakaroon ng common sense ang di naituro ng team leader nila
    -kasi naman walang alam si tl kundi mang-harass...ayan tuloy nga-nga ang napag-utusan na c/a
    tsk tsk tsk

    ReplyDelete
  39. Hi gud am po sa lahat..
    Gusto ko lang po ask ano kaibahan kapag di ka nakabayad sa salary loan ng certain bank po?
    Salamat

    ReplyDelete
  40. cheche dumlao... hi no difference naman
    -pag newly defaulted, sadyang makulit lang si kotong-collector
    after a while, bawas din contacts ni c/a...

    ReplyDelete
    Replies
    1. hi ms Cherrylou, first of all I thank you for all the advise that youve said to me last year cause it all work.. now I still have one more question, it was about my supplementary,maddamay po b sya kpg nailabas n ung sum of money? magagarnish dn po b ung savings nya if ever? thanks po!

      Delete
    2. @Kabado... good to know that you have survived the storm... guess ang maga-garnish lang if ever is the defaulter/obligor na naka-lagay sa summons/resolution/decision
      -kung wala dun, wala na pong way para ma-execute si supplementary card holder
      hope to see you sa eb next month (if you're manila based
      salamat )

      Delete
    3. hi ms cherrylou thanks po s answer mo as always lgi k sumsgot s ktnungn nmin. saan po ang EB ntin?.

      Delete
    4. ms @Cherrylou de Jesus kayo po b base s experience mo? ndmy po b ung supplementary nyo? ksi po BPI ung bank ko.

      Delete
  41. Hello! Need ko advise..may cc ako..300k limit..pero huli ko payment is 2016..in short, nagdadasal nalang ako at gumagawa paraan n makabangon ulet ..kapag log in ko siya dati..nakikita ko s online.. negative -300+ nakalagay.. pero nung lastweek lang nakita ko.
    Nagkaroon ulet ng 300k available limit..nagpunta ako bank agad..nagtanong ako bat nagkaroon ulet ng available limit e negative nga ako..at d pamakabayad..ayun! Sa takot ko.. naibigay ko cp no..tawag ng tawag n nmn law center..anek anek..
    Ano gagawin ko? Balak ko sana..ung nakita ko na..available limit..i balance transfer nalang..kahit 100k lang..pwed kaya un? Para makabawas stress man lang..sobrang kinakabahan ako..please help

    ReplyDelete
    Replies
    1. @Rose, hi that's strange ha... you defaulted in 2016 and now me available credit limit ka pa na 300k
      and malamang nagkaron ng error yung account mo and at the same time... nabuhay ang mga comedians
      the reason why you are being bugged again
      and pag-nag-attempt ka to balance transfer ...it will be a 101% na you're request will be declined
      -pls. don't worry na-survived mo ang 2016 and no reason para di mo kayanin ang ilan pang taon na darating... and maybe pag ok na ang finances... poss mabayaran si defaulted bank

      Delete
  42. Hi ms cherrylou. Maam tumawag sakin hsbc na pwede nila ako isumbong sa hr namin regarding sa defaulted card ko? Actually nasa negative credit database na ko. At hsbc yun. May karapatan ba silang gawin yun? Or may mga nakaexperience na ba dito? Thank you.

    ReplyDelete
    Replies
    1. @ Timmy, hi utang with credit cards is personal
      and nothing to do with hr/management/barangay/cidg/ncrpo etc
      -gusto ka lang i-bully ni pesteng collector
      next time he calls pls. tell him you can sue him for harassment
      -dun me kulong si pesteng collector
      well before the comedian was telling me na he will talk to my hr and asked the bitch para ano...para ipahiya ako
      and sabe ni bitch... di daw para ipaalam lang ako na maka-usap ng maayos...lol

      Delete
  43. Hello! Una salamat ulet..nakita ko blog na ito.. actually, 2 night n naman di ako makatulog.. di po ba nagkaroon ako ulet ng 300k available limit..pero..nakikita ko pa rin balance ko dati na nasa 500k plus..
    Tapos, ngun check ko..as in! Nawala n po balance ko 😂😂😁 ano po ibig sabihin nito? Ung cc ko po pala d ko na ginamit since december 2016 pa..at d ko pa rin napapalitan ng emv card..luma pa rin and2..ano po gagawin ko? Since.nawala n talaga balance? Natatakot ako tumawag s hotline tumawag..bakit nawala n balance ko😂😁

    ReplyDelete
  44. Bale, nagkaroon kmi financial problem is jan2017..since d n nga bumalik abroad asawa ko..kaya naisip ko silipin mga bayarin ko this year..para kako alam ko magkano need ko bayaran pag nakabangon ako.pero ngun gabi..nawala n lahat balance ko 😂😂😁 jusme!
    Hindi po ba pain ito saken ? Hahahha
    Kung sakali kunin ko emv cards..dun n nmn ako hagilapin🤣

    ReplyDelete
  45. Nakita ko po pala sa statement of account ng May2018..meron naka lagay charge off..meaning, naibenta na na nila s collection agency ..
    Ang ipinagtataka ko lang po..bat nagkaroon ulet ng available CL. Normal po ba sa cc un? Since, d ko naman na kinuha emv cards ko.

    ReplyDelete
    Replies
    1. @ Rose.... aw that's really weird huh
      -yeah unpaid account of 180 days is being written-off by any creditor ( para maibawas sa tax na babayaran with bir)
      as per banker this is internal
      now if i were you i will not bother to get the emv card... is that the creditcard mismo with emv for the user's protection
      and just focus muna on the basic needs of the family
      and leave alone the concerns on your creditcard
      -sabe ni mcc, nabili ni collectius ang unpaid accounts ng defaulters...so from now on dun na maki-pag coordinate
      -first time i have heard of that crap
      sa ibang cc, payables will just be endorse to their comedians- ikot-ikot lang ang peg
      yeah pag ok na ang finances and wanting to pay the bank...ok lang naman

      Delete
    2. Salamat po ulet..at least makapokus ako paano makabangon.. hirap din d makatulog😂😁 at paano mag isip makabayad..isa. smga goal ko this year..malinis name ko s cc..hirap ng lagi kabado

      Delete
    3. @rose, yeah laging kabado sa mga pesteng collector
      but why mind them...when you don't owe them any money
      yeah in time, pag naka-luwag mababayaran din cc... one at a time ang dapat na diskarte

      Delete
  46. hi ms. cherrylou and banker. need advice lang po. may ngpunta sa amin khapon para magpareceive ng letter. dko po cla hinarap. c mother po ang nkausap nila. sabi po nila kontakin ko dw po sila pra malaman ko kng anong pwdng gawin s default ko. pag dko dw po sila kinontak ipapabarangay dw po nila ako. what to do po? thank you po.

    -azzil

    ReplyDelete
    Replies
    1. @ Azzil... hi have attached circular 14-93 and pls. see no. 4
      malinaw po na WALANG concern ang kapitan/kapitana sa past due ng isang tao sa bank which can be considered na korporasyon ... you can quote this to the pesteng collector CIRCULAR NO. 14-93 July 15, 1993

      TO: ALL REGIONAL TRIAL COURTS, METROPOLITAN TRIAL COURTS, MUNICIPAL TRIAL COURTS AND MUNICIPAL CIRCUIT TRIAL COURTS

      SUBJECT: GUIDELINES ON THE KATARUNGANG PAMBARANGAY CONCILIATION PROCEDURE TO PREVENT CIRCUMVENTION OF THE REVISED KATARUNGANG PAMBARANGAY LAW (SECTIONS 399-422, CHAPTER VII, TITLE I, BOOK III, R.A. 7160. OTHERWISE KNOWN AS THE LOCAL GOVERNMENT CODE OF 1991).

      The Revised Katarungang Pambarangay Law under R.A. 7160, otherwise known as the local Government Code of 1991, effective on January 1, 1992, and which repealed P.D. 1508, introduced substantial changes not only in the authority granted to the Lupong Tagapamayapa but also in the procedure to be observed in the settlement of disputes within the authority of the Lupon.

      In order that the laudable purpose of the law may not be subverted and its effectiveness undermined by indiscriminate, improper and/or premature issuance of certifications to file actions in court by the Lupon or Pangkat Secretaries, attested by the Lupon/Pangkat Chairmen, respectively, the following guidelines are hereby issued for the information of trial court judges in cases brought before them coming from the Barangays:

      I. All disputes are subject to Barangay conciliation pursuant to the Revised Katarungang Pambarangay Law (formerly P.D. 1508, repealed and now replaced by Secs. 399-422, Chapter VII, Title I, Book III, and Sec. 515, Title I, Book IV, R.A. 7160, otherwise known as the Local Government Code of 1991), and prior recourse thereto is a pre-condition before filing a complaint in court or any government offices, except in the following disputes:

      1. Where one party is the government, or any subdivision or instrumentality thereof;

      2. Where one party is a public officer or employee, and the dispute relates to the performance of his official functions;

      3. Where the dispute involves real properties located in different cities and municipalities, unless the parties thereto agree to submit their difference to amicable settlement by an appropriate Lupon;

      4. Any complaint by or against corporations, partnership or juridical entities, since only individuals shall be parties to Barangay conciliation proceedings either as complainants or respondents (Sec. 1, Rule VI, Katarungang Pambarangay Rules);

      5. Disputes involving parties who actually reside in barangays of different cities or municipalities, except where such barangay units adjoin each other and the parties thereto agree to submit their differences to amicable settlement by an appropriate Lupon;

      6. Offenses for which the law prescribes a maximum penalty of imprisonment exceeding one (1) year or a fine over five thousand pesos (P5,000.00);

      7. Offenses where there is no private offended party;

      Delete
    2. thank you so much for this po Ms. Cherrylou. ano po kayang penalty nila pag itinuloy nila ang pagpapabarangay sa akin? para po i can tell them when i contact them.
      -azzil

      Delete
    3. @azzil, hi with the recent news from bsp, sabi nila just email them name of the pesteng-collector and the agency he is connected with and defaulted bank/c/a will be apprehended within 7 days
      -if ever naging desperate si kotong-collector n nagpunta sa barangay?
      just ignore, anyway aware ka naman na walang pake ang barangay sa account mo
      and iba naman yung case mo, siguro sakop ni barangay kung me personal kang past due with a ka-barangay and dun sila pwede umeksena
      -favor no need for you to call them, ibu-bully ka lang nila
      and sa totoo lang with the pesteng collector
      ASAR TALO LANG ANG PEG NILA
      -pag natakot ka nila and nag-bayad ka kahit dun sa any amount to show the crooks este the bank pala of your intention to pay...is talo ka na
      -kasi walang mapu-puntahan ang ibinayad mo
      -pramis

      Delete
    4. naaalarma po kc c mother sa barangayan churva.. khiya hiya dw po kc.. kya i want to contact sna cla to warn them..now n nlaman ko po yan, ngkaroon ako ng lakas ng loob n tawagan cla..may cases na po b dito na nagbarangayan talaga? thank you po.
      -azzil

      Delete
    5. RA 7190 or Local Government Code does not cover complaints between individuals and a corporation.
      This was clarified further by Supreme Court Circular 14-93 as m'am cherrie pointed out already.
      So, sino ang mapahiya dahil sa KATANGAHAN?
      but if you still won't believe it, Wala na kami magawa doon. 🤦🏻‍♀️

      Delete
    6. naniniwala naman po ako banker. thankful nga po ako na nalaman ko po ito. iba lang po kc ang mga ugali s barangay nmin. mejo wla po kc alam s batas ang sanggunian. kya gusto ko po sana iwarn ung ca..
      -azzil

      Delete
    7. Let your barangay make a fool of themselves. they can simply issue a Cert. To File Action which will make them more funny. lol

      Delete
    8. cge po banker and Ms. Cherrylou. maraming salamat po for making me feel better.
      -azzil

      Delete
    9. may pahabol po pla akong tanong. pwede po kaya ako mgfile ng bankruptcy as individual? alam nyo po kya kung paano un? thank u po ulit..
      -azzil

      Delete
  47. Salamat po sa blog na ito.ask ko po pag na garnish po kasama ba ang bank acct ng husband ko eh ako po defaulter.?at kung pati po bank account na ka join ako ni husband na hindi naman sa defaulted bank.salamat po

    ReplyDelete
    Replies
    1. @phey_888, hi there were instances na pati account ni partner na di defaulter is being subjected to garnishment (na sabe mismo ng isang judge is bihirang mangyari)
      -so for peace of mind, pag me case filed for sum of money -close na lang ang account showing the names of both partners
      -kung me anak, possible naman na ilagay sa account ng anak ang savings or to any trusted relative
      hope this helps
      -fyi exempted for execution ang payroll account
      bawal po sa labor

      Delete
  48. hello po ask ko lng po kung mdadamay po b sa sum of money case at writ of execution and supplementary ko? thanks in advance po

    ReplyDelete