Collector : M'am/Sir, your debt is now P1,000,000.00 ( without showing ANY bank statement)
You : May amnesty ba? ( without bothering to find out BSP Cir. 702)
Collection Letter : This is from the court. A case has been filed. Warrant of Arrest will be issued
at 12:00 midnight. We will get all your things including flat iron, washing machine
and your China-made electric fan.
You : ( loses common sense) worried, can't sleep, can't eat .
p.s.
Somebody inquired about "Amnesty from East West Bank"
Answer : " Are they authorized" ?
reply : " You can validate by checking our e-mail address"
hahahaha.....simple "yes" or "no" cannot confirm?
Now, saan galing ang iyong problema?
=) uunga banker. nung nakaraan may narecieved ako email. dont sell any , Property if any. Sofa, appliances etc. +p
ReplyDeleteReceived a letter from R.S Law Firm but haven't open it yet. I am a defaulter of UB cc from 2017 and last year nag offer si UB ng amnesty kaso wala naman ako maipambayad. Ano po ba ang pwede kong gawin. Medyo umokay nako pero since nagpapadala sila ng.letter. nag kaka anxiety and depression na naman po ako. Please help me po. Hindi ko na po alam ang ggwin at ano ang next step.
ReplyDelete@anonymous, hi for me if direct from defaulted mas ok ang offer now you can only deal with the kolektor provided sila po ang me updated endorsement letter, fair ang amt meaning kayang i-sustain , me black n white agreement etc
Deletewag po kayong ma-depress for sure like the others here who have moved on...kaya nyo rin po 🙏🏻🙏🏻🙏🏻 just hang around
Baka po pwede nyo ako matawagan para makapag usap. Please po banker and ms.che. kahit ako na po tumawag I just need someone na makakaintindi sa pinagdadaanan ko right now sa UB. RS. law firm.
ReplyDeletepls. post your cp number here. there is this instruction here (LEFT) if you are viewing it as a "desktop"
Deletecalled you number ten times. cannot be reached. hahaha.
Deletetext me kung puede na OR will call after 10 minutes
Hi Banker ,I'm having the same case can you enlighten me po. Pinoproblema ko tlaga to at di ko masabi sa asawa ko. :(
DeleteHelp banker pls.san pwede po mag call?
Deleteyou may post your number here. ( sa right side po ----->)
DeleteThis comment has been removed by a blog administrator.
DeleteCP number duly sent 🤳
DeleteSir pa help po ako need some advise regarding credit cards
Deletenapaka bait ni banker siya pa ang tumatawag, one in a million...Thank you sa lahat mr. banker..you saved many souls through your selflesness🙏❤️
ReplyDeleteBanker, if hindi padin po matwagan. Pwede dn po sa viber or whatsapp. Same number lng po. Thanks po.
ReplyDeleteFINALLY! was able to talk to her.problem solved. kaagad.
Deletep.s.
Your Diskarteng Piso is working for you all. salamat.
Hello po pls enligthed me, may nakukulong po ba kapag hindi nakabayad sa credit card. Ano po ba dapat gawin medyo mababa pa naman utang ko pero nastress napo ako
DeleteFinally! Nagkausap po tayo. Pasesya na po sa hassle pero worth it po ang makausap kayo. Guys, legit toh. Talagang napakahelpful ni banker. Maraming maraming salamat po sa mga words of encouragement and advices po ninyo, nakakagaan po ng pakiramdam. Salamat po and more power.
ReplyDeleteAte kuya anu po cp number ni banker?
DeleteHi po good day! ask ko lng po kng allowed ba si bank na ideduct yung unsettled amount sa previous credit card ko sa payroll saving account? earlier kase pag check kon ng sa saving payroll account ko online is nawala yung na deposit sken na amount from relatives ko.. pag check ko sa transaction history online "description is deposit set off recon unit.." same BDO ung previous credit card ko at saving payroll ko..
ReplyDeleteHi po. mag ask lng po sana ng advise kng si bank po ba ay allowed mag auto deduct sa saving payroll account due to unsettled amount sa previous credit card..
ReplyDeleteearlier kase pag check ko sa savings payroll account through online is nawala yung transfer amount from relatives ko.. then pag check ko sa transaction history "Deposit set off recon unit" ang naka remarks.. pag tawag ko sa banko ayun nga daw na auto deduct gawa ng unsettled amount sa credit card ko previously.. BDO yung bank ko..
Hi po. mag ask lng po sana ng advise kng si bank po ba ay allowed mag auto deduct sa saving payroll account due to unsettled amount sa previous credit card..
ReplyDeleteearlier kase pag check ko sa savings payroll account through online is nawala yung transfer amount from relatives ko.. then pag check ko sa transaction history "Deposit set off recon unit" ang naka remarks.. pag tawag ko sa banko ayun nga daw na auto deduct gawa ng unsettled amount sa credit card ko previously.. BDO yung bank ko..
@anonymous, yes
Deleteas per the terms and conditions on the issuance of creditcard we are giving the bank the right to auto-debit/offset any amount we keep on our bank account
-so kung payroll, withdraw the full amt as soon as salary is credited
am talking of keeping an account with the same bank na me defaulted cc/loan
-in my case before with ewb, just a part lang of my current account ang na-hold
If ever po ba na these collectors are no longer able to locate me, both work and home, while i be charged by the bank or will they file a case and will be imprisoned? Nabasa ko lng dn duun sa isang article na walang nakukong da utang but if u abandoned ur residence and work without informing the bank, makukulong daw? How true po ba ito? Thanks po for enlightenment. ;(
ReplyDelete@anonymous
Deletenope po, fraud is leaving your place or work/home RIGHT after amassing 10k and above of utang
-again, difficult to prove
(j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter; - eto pa ata yung part ng RA 8484 na sinasabi sa isang article ng CCAP. Ito din ang itataning ko sana, gusto ko na kasi magpalit ng number at ayoko sana ibigay kay bank yung current company ko, kasi dun naman nila ako pupuntahan.
DeleteHi! I would like to ask kng magkaron ng court order or mga garnishment possible po ba na makaalis pa ng bansa?
ReplyDelete@anonymous, yes of course
Deletepossible po to leave the country
sum of money case is civil in nature; parang annulment case lang po and one can still get clearances police, nbi etc
If you can call me din po sa viber Banker tatanawin ko po malaking tulong sa akin, I’m drowning po and feeling depressed na.
ReplyDelete@anonymous, hi pls. post your no. and no worries
Deleteit wl be subject for approval first
so only banker will get to see you number
Good morning po. Pasnsya na if makulit. Talagang hindi lng po ako nakakatulog simula nung mareceive ko ang letter from rs law firm. Gusto ko lang po malaman if maka receive ako ng demand letter (alam ko po sabi nyo itapon ko hehe) pero kung sakali po ba ano ang mangyayare kapag hindi padin ako sumagot sa letter or hndi ako makipag coordinate sa collections? Ang next na po ba na mangyayari ay un magsasampa na sila ng kaso laban sakin? What to expect po sa ganun? At ano ang dapat ko po gawin.
ReplyDeleteUnionbank defaulter since 2017 po around 600k na ung utang ko. Please sana po masagot padin ms.che and banker. Thank you so much.
@anonymous, yes ok lang not to reply on the paramdam of the kolektors
Deleteif ubp really wanted to file a case
i guess they will not wait for 5 years and no postings yet bout the bank filing for a case
Hi po, meron na po ba dito nka experience or tangap ng mga text messages ng pananaot or death threats from mga collectors but not sure kung anong CA kasi di naman ngpapakilala.? Sabi lang magbayad ng obligation sa bank etc. Thanks po
ReplyDelete@anonymous, no postings pa naman
Deletejust delete and wag magpa-stress sa mga pesteng kolektor !!!
Unknown commented on "You Believe That?"
ReplyDeleteHello po banker, pwede po ba kayong makachat sa viber? Hingi po sana ako advise about sa utang ko sa cc kasi meron po ako sa bpi, security bank, citi at eastwest. Di ko na po kasi mabayaran kasi anlaki na po ng mga interest. Eto po number ko 09xxxxxxxx..
done. but I would rather call using CP. :)
I need help. On most days, ok naman ako. It's been two years since ma default ako. At usually, hindi ko pinapansin, pero parang feeling ko ngayon, they are all coming after me. Sunod sunod ang pag home visit sa akin and tinatawagan din ako ng bank even after working hours (7 pm to 8:30 pm) I know na bank based sa telephone number. Phase ba ito ng collection ng bank at collecting agencies? I maybe paranoid but lately I dont feel ok.😩
ReplyDelete@anonymous, hi yes there are times na sabay-sabay lang calls/home or office bwisits etc
Deleten that unholy hour call is for sure from the kolektors
n no big deal and don't be paranoid and madalas lang yan pag newly defaulted
but as some months and years would passed by
defaulter na makaka-miss sa mga comedians !!!
your call is always enlightening Sir. oo nga, kung maniwala tayo sa sasabihin nga mga CA crooks, siraan na tayo ng bait. kahit ano anong illegal strategies ginagawa. last week, may taga "Barangay Secretary" na nag text sa akin na may P/Major naghanap sa akin sa barangay at may dalang warrant. sabi ko, bakit sa barangay nagpunta kung may warrant. ipa diritso mo sa bahay para dun kami magkita. sabi ko, di ko nga alam na may kaso na pala ako. sabi ko, paki kuha na lang ng mga documents at IDs nila, pati badge number niya. Ayan tuloy, tumawag sa akin. Sinabi ko, I have no time for you. Pag may kaso ako, gawin nyo sa tamang paraan. Illegal to. At dun na nagsimula ang kanyang usual na litanya. Mga pabalang at pakonsensya na mga pasaring. sabi ko, sorry ha, I have no time for this trash. So ayun, alam ko di yun barangay. kahit anong style na lang talaga to threaten and embarrass us. so balik ako sa main diskarte ni banker. bluff them to file cases na. after all, kahit ilang decided cases, execution at garnishment, kung wala talaga, eh di wala. ready na rin ako if ever mag message sila sa FB friends ko or magpunta sa previous employer ko. outright sabihin ko, mga scammer yan sila. if legit sila, they can contact me directly or go straight to our house. Hehehe. Tamang diskarte talaga. Chill and relax lang tayo. Kung di kaya, hwag pilitin. life is short. we decide to ride and enjoy it na lang. Thanks be to God to Banker.
ReplyDeletegood day tatanong lang po sna ive been having a postpartum and anxiety with my securitybank credit card i lost my job po kv due to my problematic preganancy and gave birth to a premature baby kaya naubos po tlga kmi im trying to ask them po if i can pay in installment kv lumalaki sya in 6 mons tubo nya is 2.5k per month kso sbi po nila hindi ako qualified s restructuring progrma or amnesty and wanted me to.pay in full ttnong ko lng po b4 po ba mpunta s rtc would they consider giving me an option to pqy po n installment or amnesty or tlgang gnun si security bqnk n buo dpat with all vharges thank you po sna masgot ako
ReplyDelete@anonymous, sorry to hear what had happened
Deletenow kung ayaw ni security bank , then wait for the court
fair ang court and won't let you pay for not maka-taong interest
-and yes possible ang installment
Hi maam @cherrylou ask lang po what if kukuha kami ng sister ko ng condo pero cc defaulter po kasi siya may chance pa po bang maapprove since bank financing po. Or madedetect po agad ng bank na cc defaulter tapos marereject? Any case po na same po dito? Please advise.
ReplyDelete@anonymous, hi pag nasa blacklist si sister possible ma-detect; now as per post of other defaulters, di naman sila nalagay sa blacklist, possible na di sila na-report ng defaulted bank
Delete-so just give it a try and good luck !
Hi Banker, paano po ba need kong gawin sa lumobong utang sa credit card dahil sa interest, nawalan po ako trabaho mula nung pandemya at balak ko mag abroad makakaapekto po ba ito. Please I need someone to talk. Wala kong ibang masabihan ng problema ko sa cards. Salamat
ReplyDelete@anonymous, hi given po magiging bloated ang past dues with banks due to interests and penalties
Delete-for now nothing to do, since wala pong extra money to commit
and you can still work overseas, di po crime ang maging defaulter
and good luck !!!
Hi Ms. Cherry salamat po. Paano po ba gagawin ko? need ko ba ipa Cut ang cards ko ? Madami na pong tawag ng tawag, tapos ung isa mag file daw civil case :( nastress ako bigla.
DeleteMeron naman po active pa card ko ,nagbabayad po ako minimum due gusto ko na icut na kasi lumalaki interest kaso wala po ako pambayad pa na malaki. Please advise po nalulunod na sa interest. :(
Salamat po
@anonymous, hi if you're struggling; ok na po to default and deal with the bank pag ok na ang finances
Deletei guess sa kagustuhan ng mga cardholders na maka-bayad, we all resorted to these balance conversion\cash advances ma-settle lang ang obligation and little we know na parang financial marathon lang ang naging solution natin and exorbitant interests caught up to most of us... so ayun isa-isa na-default ang account
mas lalo na with this pandemic
and given na po sa mga kolektors ang mag-sabi na they will file a case para po mapilitan si defaulter mag-bayad
paano po kapag may cash loan ako sa kanila masasama po sa madefault :( di ko na kasi kayam minimum due po dahil sa lumobong interest . Okay lang po ba yun di ako makakasuhan ng estafa :( Saamat po Ms. Cherry and Banker.
DeleteMs. @cherry ,nag email po ngayon ang MCC ko na qualified daw po ako sa amenable payment arrangement ano po ibig sabihin nun? nanghihingi po payslip and ID para daw sa approval. eh wala naman po pa akong work. Maganda po ba mag avail nunng offer na ganun? Salamat po
DeleteHi! Ask lng po. Totoo po na na nagfile ng case as estafe tapos via text message sinend yung details na may nafile na daw na case? Salamat po
ReplyDelete@anonymous, not possible
Deleteand big commercial banks are not filing bp22 cases/estafa
-possible pa kung lending companies
Thank you Ms Cherry! Nagduda din kasi ako na via text message yung sinend na kesyo may filed case daw na estafa and may scheduled hearing. Salamat at nakahinga din ng maluwag
Delete@anonymous, most welcome
Deleteyeah these crooks are really capable of doing stupid things
Hello po Banker & Ms. Cherrylou and sa lahat po ng mga readers na nagbibigay ng experience sa blog na eto. May tanong lang po ako nadefault po ako sa MCC ko and ngayon ko lang po napansin na mali po spelling ng surname ko on that account. Ano po kaya mangyayari if mag-file po sila ng case laban saken? For not paying my balance since hindi ko pa po talaga kayang magbayad ng balance ko
ReplyDelete@anonymous, hi typo error ng last name, no worries
Deleteand no postings yet bout metrobank filing for a sum of money case
so kalma lang and deal with the bank pag ok na po ang finances
-madalas lang ang paramdam ng kolektor pag newly defaulted
share ko lang po, nun na-garnish yun 7 pesos sa payroll ko yun payroll bank ko lang yun nag send ng snail, never nagpadala ng notice yun sheriff, normal po ba yun? or hopeful sila na baka may iba pa ako na bank account? when in reality wala na talaga kasi pina-closed ko na lahat.
ReplyDelete@anonymous hi sa totoo lang when the bank files for a case
Deletedefaulter will surely receive a summons from the court
so it will be received by the defaulter/or his authorized representation
and for sure the bank's legal counsel would have contacted you
so really have no idea why you were not informed at all
-so best diskarte is withdraw agad as soon as salary is credited
understand from your email, na after being garnished
you were able to get succeeding salaries ... good for you !!!
Hi Banker and Ms Cherrylou,
ReplyDeleteMy defaulted CC po ako with BPI and almost ₱500k na po due to interest and penalties. Ang problem ko Po, when I applied for BPI CC mga 10yrs ago Hindi ko pa po naayos ang birthday ko sa NSO. (Mali po ang birth year). 2019 po naitama ko na po yung birth year ko, però hindi na Po ako nag inform sa BPI.
Recently po I got a new job and BPI ang payroll (applied using the corrected birth year). Upon checking with BPI app nag reflect po yung pending obligation ko sa BPI CC.
Possible po ba mag Kaso ang BPI sakin Kasi Di po ako nag inform na updates/changes. Also Kahit po ba magkaiba and bday ko sa cc and payroll account , possible po ba ma garnish pa din? How about po with other bank where I maintain my savings?
Salamat po.
@justmycard, hi if ever bpi will only file for sum of money case due to the amt.
Deleteif no filed case poss ma-auto debit/off-setting
pag me decided case for sum of money all bank accounts subject to execution/garnishment
now sa payroll kung sakali pwede mag-file ng motion to lift garnishment
just need to provide the judge with your monthly budget
na pag-kulang ang salary he will order lifting of execution order
so pag me decided case for sum of money, safe to keep deposit sa bank account ng mga anak or sa partner if di sya liable to pay the bank
Hindi po ba maging problem na iba po ang birthday sa cc and sa savings account? Thank you po
Delete@justmycard, no prob kung iba ang bday sa cc n sa savings
Deletebut maybe ayusin mo ang savings kasi record mo yan with the bank
Hi Banker mag ask lang po ako nakarecieved ako ng email from citi bank na yung cc at personal loan ay itransfer na sa Union Bank. Merun ako utang sa cc sa citi bank, yung union bank ko po is savings na doon po napasok yung salary ko. Paano po kaya yun? baka kasi pag pumasok yung salary ko i hold nila. Thank you po sa sagot
ReplyDeleteWe are happy to share that Citi and Union Bank of the Philippines (UnionBank) have obtained the necessary regulatory approvals to complete the acquisition of Citi Philippines’ consumer business. As a result, please be informed that all your Citibank N.A. Philippine Branch (“Citibank”) credit card and/or Personal Loan account(s), as well as your personal information, and account information relating to your existing and prior account(s) and applications will be transferred to UnionBank effective August 1, 2022. From and after this date, UnionBank shall be your bank, and will assume all rights and obligations in respect of these accounts.
@anonymous, for me yes that's possible if ma-tag ng union bank yung account for auto-debit/off-setting
Deleteso diskarte is withdraw full amt as salary is credited
-and there are times na not the whole amt is naho-hold
as per my personal experience with ewb before and me defaulted cc ako sa kanila
what the bank did was just to hold a certain amt with my current acct and of course i need to close it totally
as i have issued pdcs to pay off monthly payments with citibank
-sayang naman yung bank fees
and managed to arranged with over-the-counter payment with citibank n thank God now fully paid
Dear Ms,
ReplyDeleteWe are happy to share that Citi and Union Bank of the Philippines (UnionBank) have obtained the necessary regulatory approvals to complete the acquisition of Citi Philippines’ consumer business. As a result, please be informed that all your Citibank N.A. Philippine Branch (“Citibank”) credit card and/or Personal Loan account(s), as well as your personal information, and account information relating to your existing and prior account(s) and applications will be transferred to UnionBank effective August 1, 2022. From and after this date, UnionBank shall be your bank, and will assume all rights and obligations in respect of these accounts.
What the Transfer means for you
If your Citi credit card/Personal Loan account has been closed but still has an outstanding balance, please be advised that you will continue to have the same account number. There will be no change in the payment scheme that you are enrolled in for your Citi credit card and/or Citi Personal Loan account(s), and the same payment channels will remain available to you.
Ibig sabihin po ba nito, c Union Bank na tatawag at mangungulit.
@Shine, yeah possible na ang mag-e-endorse ng account sa authorized kolektors nila and to date wala pa naman postings bout ubp filing for a case
DeleteThanks po sa response mam @cherryloudejesus ,...
DeleteHello po sa lahat! Pano po if other way around? Like nadefault ako sa UB tapos meron akong current cc from Citi. Possible din po ba na icarry over sa Citi ko yung defaulted amount from UB? Thank you po in advance! 😊
DeleteHi Banker, I received email from collectius, anybody knows this collectius? Maypinadala na din po silang final demad, which is lagi ko naman pong na re received
ReplyDeletePero this time tumawag na po sila na nag remind sa akin na basahin ko email nila. Syempre po pretending na hindi ko nababasa dahil wala po akong data na maka connect to internet. Any idea po about this collecting agency.
@anonymous, ahhh si collectius
Deletethey used to handle my acct with metrobank n told me na they bought all collectibles ni metrobank
sakto lang sila
no cause for alarm 😉
Hello! More than 10 yrs ago, naging default credit card ko sa metrobank. Since then, dito ako kumuha ng diskarte about how to deal with the collectors etc. This year, i decided to settle na ang mga utang ko sa ngalan ng moral obligation pero under my terms kasi alam ko na written off na yung utang ko and wat past the prescriptive period. Nag email ang today ang metrobank na from 200k, 69k na lang daw babayran ko. Nag reply ako na 50k lang gusto ko with certificate of full payment and need ko ng latest endorsement or authority from metrobank to transact/collect in their behalf.
ReplyDeleteSyempre ayaw magpatawad ng collector. So no deal.
Tama ba ako or too harsh ako?
@anonymous, hi you're just right
Deleten option mo to settle any amount na kaya mo
after all ikaw po magbabayad
he he choosy pa kolektor
ha n to think past prescriptive period na si metrobank n of course d aware si collection 🤨 baka biglang napa ibabaw lang yung account mo
Hello ulit. After nang email ko about the terms na gusto ko, hindi na sya nag reply. Haha. Either natakot sya or nawalan ng gana kumulekta dahil sa demands ko OR baka gagawin nya ulit sa akin yung “old dirty tricks” nila e.g house visit, call, demand letters, etc. Haha. Pero ngayon pa ba ako matatakot eh naka survive nga ako ng more than a decade kakaiwan at kaka-deadma sa kanila.
DeleteBasta ako willing to haggle naman up to 60k lang.
P.S. Meron life after debt. Since 2017 nagkaroon na ako ng credit cards ulit. Lahat platinum tier, 3 of which more than 1M ang credit limit each. Meron din ako 2 car loans. Tawag ng tawag ang banks sa akin para mag offer ng ibat-ibang klaseng loans.
Not bragging, just pointing out na kayang-kayang lagpasan ang problema sa credit cards basta wala tayong sinadyang lokohin na tao o institustion
Hello po.tanong ko lng po papano po ulit kyo nakakuha ng credit card.thank you
DeleteSorry for super late reply. Apply lang ako ng apply sa mga agents sa mall. Syempre lahat declined. Then one day sa S&R may booth ang hsbc. Nag apply ako dahil may free ice cream. After 2 weeks dating yung credit card from hsbc 132k ang limit. Sobrang overwhelmed and overjoyed ako nun na ang taas ng bp ko haha. After that sunod sunod na approval na pero meron pa rin denied pero i dont care na lang. ngayon 6 banks na yta CC ko :)
DeleteMetropolitan Trial Court of Quezon City Branch 31
ReplyDeleteWe write in behalf of our client, in regards to your delinquent account.
Base on the records disclosed, despite repeated demands to settle your balance, your account remains to be unpaid,
Whereas: The cases filed will be finalized as it follows.
- COLLECTING OF SUM OF MONIES under the Rule on "SMALL CLAIMS."
- Swindling / Estafa under (Article 315 - 318) and other deceits under the revised penal code
- Fraud (Article 315) of the revised penal code
This will require ONE (1) hearing and the rendered decision un-appealable.
Your reference shall be include as mandatory party defendant upon legal action of case in court, pursuant to RULE 3, SEC.4 of the Revised Rules of Court.
Pad advise naman po. Salamat
Metropolitan Trial Court of Quezon City Branch 31
ReplyDeleteWe write in behalf of our client, in regards to your delinquent account.
Base on the records disclosed, despite repeated demands to settle your balance, your account remains to be unpaid,
Whereas: The cases filed will be finalized as it follows.
- COLLECTING OF SUM OF MONIES under the Rule on "SMALL CLAIMS."
- Swindling / Estafa under (Article 315 - 318) and other deceits under the revised penal code
- Fraud (Article 315) of the revised penal code
This will require ONE (1) hearing and the rendered decision un-appealable.
Your reference shall be include as mandatory party defendant upon legal action of case in court, pursuant to RULE 3, SEC.4 of the Revised Rules of Court.
Paadvise naman po dito. Salamat
@none, pls disregard, metropolitan court will never txt ot email defaulters
Deletelumang scam na po yan ng bobong kolektor 😖
Hi Banker, Ms Cherry and fellow defaulters. Been a defaulter to SB cc since the pandemic started and Im so thankful I found this blog. Na-immune na rin ako sa mga collection tactics but I'm still super anxious when there are calls, emails and especially when there's someone at our gate. Got this email from RGS Recovery a few days ago. Mejo na-paranoid lang ako about the writ of preliminary attachment. Any advice po on how to handle this in case they make good on their threat?
ReplyDeleteFINAL DEMAND TO SETTLE OUTSTANDING OBLIGATION is hereby served in behalf of our client, Security Bank Card, with regard to your delinquent SB CARD.
Records show that despite numerous reminders, repeated demands and service of FORMAL DEMAND TO SETTLE OUTSTANDING OBLIGATION, your outstanding balance REMAINS UNPAID. As such, we deemed your obstinate failure and continued refusal to settle the aforementioned obligation as evident bad faith and designed to the extreme prejudice of our client.
Hence, we enjoin you to contact us or pay, (24) hours from receipt hereof. Otherwise, our client will be constrained to file a Civil Case for Collection of Sum of Money with Prayer for Preliminary Attachment or Collection of Sum of Money under the Rule on Small Claims against you and your spouse, if any, before the proper court of law.
In the process, we shall secure a WRIT OF PRELIMINARY ATTACHMENT which will enable our client to cause the COURT SHERIFF to LEVY, ATTACH or SEIZE your real and/or personal properties or GARNISH your salaries and/or bank deposits, without further notice and delay.
All the foregoing is without prejudice to the inclusion of your spouse, if any, as mandatory party defendant upon filing of a civil collection case in court, pursuant to Rule 3, Sec.4 of the Revised Rules of Court.
To defer the above mentioned, please call our Legal Officer, Mr. Sonny 09154125948 / 09610160182 or send us an email at sbrecovery@rgsrecovery.ph .
Please be guided accordingly,
@chappy happy, hi no such thing as preliminary attacchment
Deletekolektor trying to be smart
lumang style na po yan, info of defaulters will just be edited n off they go 😬
Hi @Chappy Happy,
DeleteI suggest kung umabot kayo sa sum of money case with Security Bank, eh mas maganda since you will be able to negotiate the amount. Ganyan ang nangyari sakin.
Notorious yang RGS sa mga ganyang scare tactics.
Ano po ang hatol? Mag pay lang po kung kailan kaya? Mga ilang years po kaya kayo na default bago po kayo na file ng case?
DeleteThis comment has been removed by the author.
DeleteThis comment has been removed by the author.
DeleteHello po from RGS recovery din po ung nanghaharass saken via phone call hawak nila RCBC account ko ibang tao ung nagsisend ng email pero ibang tao ung mangbabastos sayo sa phonecall, parang siya ung naka-assign para mambwisit sa phone. Hinayaan ko lang po magdaldal hanggang sa binaba ko ung phone. Kakareceived ko lang din po final demand letter from them via snail mail.
Delete@anonymous, haist rgs talaga !!!
Deletein 2014 notorious na sila for being rude
so just ignore them and never argue with the idiots
Hi Ms. Cherylou, and sa mga active rito. May nakapag try na po ba isettle ung BDO deliquent cc nyo sa branch mismo not sa BDO collection agent?
ReplyDeleteNag rerequest kasi ako ng split payment for one time payment na sinasabi nila, kaso maghihintay pa kong 7 days para sa feedback. Na-entertain din ba pag sa bank mismo nagpunta? Thank you..
@anonymous, hi sorry don't know anyone who have settled directly with bdo
Deletebut you can try to go to personally go to the recovery dept of bdo
pls check na lang with their call center for the address n see if poss to arrange for one 😉
Hi Ms. Cherylou, tumawag ako sa Security Bank Valero Branch para hanapin ung remedial department. Kaso hindi raw doon.. Saan kaya pwede itanong saan ung office hehe sa Customer Service po kasi ayaw rin ibigay.
ReplyDelete@anonymous, hi yes there are times limited ang alam ng call center
ReplyDeleten di alam mismo ng security bank ang recovery dept nila 🤫
that's crazy
n sorry wala na po akong idea
Good Day, Mr/ Ms.
ReplyDeletethis is Raymund Reli from GCCS & Associates Corp., you have been continuously ignoring our demands for the payment of your RCBC Bankard; despite efforts to remind you of your payment via mail and phone. Your continued failure to settle the said account may cause our client RCBC Bankard, to a file case in court to recover your obligation with them. Please call our Account Officer Mr. Reli at 8732-7832/09613960334/09668970889. In the event that we don t hear from you, we will take it mean that you are willing to escalate the matter in court.
Thank you & GOD Bless!
please enlighten me po..court agad bgo bgo lng default mga 60 days..anyone po may experience sa gccs? salamat po banker
@anonymous, nope po
Deleteyan lang po ang demand letter ni kolektor and don't take seriously
This comment has been removed by a blog administrator.
ReplyDeleteHi ms cherry quite curious lang, once may decision na po ba sa case automatic garnishment na siya? O depende sa judge? And if for garnishment agad agad po ba siya? Thanks po
ReplyDelete@anonymous, hi in my time in 2014
Deleteso case filed and decision in 2014
writ of execution requested in 2016
writ of execution approved in 2018
till now no notice of execution yet
-another defaulted emailed me, decision in 2020 and got the copy of the decision 2022
maybe due to pandemic kaya late napadala
Pero wala pa po siya nun writ of execution? Which is garnishment? Bali decision lang po ni judge about sa payment pag kaya?
Delete@anonymous, yes order lang ni judge
Deletebayaran ang utang with interest na 6% per year from the date na na-default
and gusto ng bank 3.5 %... so mas ok ang court
that is kung me extra budget to pay
Hello po, ask ko lang kung defaulter ako sa bpi and may account anak ko, pakikialaman po b ng bank ang acct nh anak ko? Please help.
ReplyDelete@anonymous, hi nope po
Deletesafe ang bank account ng anak
salamat ng madami sir banker cnxa na po at nakaistorbo ng sunday...legit talaga si sir banker nakakenlighten..para talagang may father figure bibigay ng payo..godbless po
ReplyDeleteCall successful 👍
ReplyDeleteEstafa case
ReplyDeleteWill coordinate with NBI. Warrant of arrest. Garnishment of property all in one text. POEA etc..
Ganito ba talaga mga collectors na to?
@anonymous, yeah
Deletekaramihan sa kolektor; me pagka waley
estafa case ( a criminal case ) tapos garnishment
lols !!!
di ba garnishment pertains to sum of money cases, civil in nature
parang annulment case
yes ganyan sila manakot akala mo totoo.
DeleteHi mam cherry and Banker.. what if po ba may summon na pinadala c court, may right po ba tau not to accept it po? Or obliged talaga tau na tanggapin un? Ty po.
ReplyDelete@anonymous, hi if the court employee can verify na tayo ang nasa summons
Deletedapat lang po na tanggapin
and madalas "court is fair" pag na review ni judge ang filed amount, pwede po mapababa, kasi over naman po talaga ang interests and penalties
sa small claims court for defaulted amt of 1m and below parang mediation lang
pag walang agreement, court will order defaulter to pay defaulted bank
pag walang pambayad... eh di wala
just a paper victory for the bank
Hi mam cherry..pa enlignten namam ako pls...un bang small claim at sum of money parehong may garnishment? garnishment ba lagi ang hatol? Thanks
ReplyDelete@anonymous, hi for a defaulted amt of 1M and below sum of money case will go to the small claims court
Deleteno need for a lawyer
parang mediation and decision in 1 day lang
yes madalas panalo si bank and pwede ang garnishment; kasi if ever dun lang naman sila makaka-bawi sa defaulter
thanks mam cherry sa response...one more question po..ung 1 day decision na un kung wala pa talagang pambayad agad agad garnishment na?
Delete@anonymous, pag walang pambayad si defaulter
Deletebank's legal counsel will request approval ng writ of execution and once approved, legal counsel will now request issuance ng notice of garnishment
in my time in 2014, it really took time minsan 2 years
so defaulter have more than enough time ma-secure ang bank accounts na pwedeng ma-execute
thank u mam cherry sa mga response mo..god bless po..
DeleteSir Banker and Maam Chery
ReplyDeleteJust want to share, Na lubog sa utang since Pandemic, I gave up my work in Manila because I want to be with my family during this times of hard commute and restrictions also to add up I've been lock down where I work for 3 months and after naka balik sa provice my employer doesnt support work from home. I gave up and do freelance instead.
There is total 6 defaulted CC from the banks, my fault I used them for survival. Not to mention Gloan and Ggives also being delayed payment because it really hard to pay na dues and end up with Zero on my pocket and worry for daily expenses.
Also have to mention 1 active CC Im still able to pay min due but worse I may not in the near future.
Sobrang dami utang and my income is not that much anymore.
I came along with a plan to drop off all debt so I can save but Im worried what will happen to me.
Been there with letters, emails, calls I blocked never talked to Collectors becoz I dont have the means to pay for the moment.
Im seeking for advices po bcoz hindi ko alam ano mang yayari saken nito.
Salamat po.
@anonymous, hi yes this pandemic brought us a lot of problems
Deleteand if you are now struggling to pay the only remaining cc then ok na po to default , use that money to make both ends meet and deal with the bank pag ok na po ang finances
-can do one account at a time ... till you are debt-free
downside lang po is to get that sum of money case and no big deal
pag walang pambayad, eh di wala po
just a paper victory for the bank
-diskarte lang po is never to keep huge amt of money in your bank account
when newly defaulted, pls. expect madalas ang paramdam ng kolektor and reading along will give you the diskarte on how to make life less stressful
Thank you Maam Cherry sa pag reply. I'll take ur advise po and will read more here pra na din sa ikakapanatag ng loob. God bless po.
Delete@anonymous, most welcome
DeleteMam cherryloudejesus good day po. Mam ask ko lang po kasi yung receivers and liquidators nagssbi na ppunthan daw nila ko sa office ung litigation team nila with brgy. Assistance daw po . Possible po ba sila pumunta at ano pong diskarte ang ggawjn ko if in case mrn din po sila kasamang brgy. Salamat man sana po masagot mko mama
ReplyDelete@anonymous, hi current kolektor is pasaway kahit pa nung time ko in 2014
Deletewhat litigation team... team talaga and di po concern ng barangay ang past due with credit bank na isang corp and they should know that
unless bobo sila
Dearbecause you failed to settle your unpaid obligation. After multiple attempts of contacting you, we have passed your case to the legal department. Legal counsel and or corporate lawyer will notify you regarding legal action. for any concern you may call our office FASTDEALCMI at
ReplyDelete09554524954
sb card...anu po kaya ito, kinakabahan po ako. kakaanxiety po ako dahil dito nagcng yung anxiety ko po..magiinform ang lawyer nila regarding sa case?
@anonymous, hi pls ignore
Deletelumang scam na po ng kolektor
Hi po, how many times po ba nagpapadala si CA ng "Final Ultimatum for Litigation" and possible ba yun na gagawa sila ng names and pretending to be "Attorney"?
ReplyDeleteReceived 2 litigation emails and 1 text.
Eto yung latest so far
“”FINAL NOTICE “”PEOPLE OF THE PHILIPPINES VS ______
ATTENTION: _____
FROM: METROPOLITAN TRIAL COURT BRANCH 54
Writ of Execution be executed by Court Sheriff & Authorities in line of your Deceit Case/ R. A 315 SWINDLING/ESTAFA/R.A 8484 TRANSFERRING BUSINESS ADDRESS AND HOME ADDRESS WITHOUT INFORMING THE COMPLAINANT IN WRITING.
Date: JULY 23, 2022
Note: Please secure your presence at your residence address to avoid any untoward incidents or issuance of Warrant of Arrest against you.
You may contact at MTC urgently 0935-315-6963 for details to avoid full extent of the law and look for Atty Randy Paculanan.
Tho wala naman akong narinig na may nareceive na "warrant" sa bahay ng tita ko (which is billing address ng cc ko)
@anonymous, yeah kolektors can be crazy and just ignore
Deletemtc won't email or text defaulters
Tanong ko lang po, how long will these collectors send us emails, text or call po? Safe po ba na magpalit ng contact info (eg phone number and email address) para di na ako maloka sa kakaoverthink? haha sorry pasensyahan na. nagkakaanxiety na ko dahil sa mga CA
ReplyDelete@anonymous, hi as long as active ang collection dept ng defaulted bank in endorsing one's account
Deletesure you can change sim cards and let the kolektors do their job in tracking down your contact details
Hi, any thoughts with this scenario. May tumawag sa hotline ng brgy namin to confirm if nakatira pa daw ako sa area namin. Then yung caller name is Cheryl Untalan, may pupunta daw na sheriff at pulis sa bahay namin to check. Ano po ba magandang sabihin or gawin since parents ko lang po ang naiiwan sa bahay namin. Hindi naman sila pumunta sa bahay. Balak palang daw po. Wala naman akong ibang alam na problema. Maliban dyan sa cards. Ito name ng Sheriff Butch Gatchalian. Natalo na daw po ako sa kaso ko sa makati dahil hindi daw po ako umaattend. Ano po kayang gagawin dito. Property Injunction daw gagawin in 4pm.
DeleteHello po Mam Cherry, nakareceive po kasi ko ng email from this certain name Atty. Joy Infante. Defaulter po kasi ako ng PSBank 10yrs ago ano po kaya maganda isagot sakali pumunta sila? Wala po kasi extra budget para pambayad kasi huling mail sakin a tear ago nasa 700k na daw balance ko eh tanda ko po 100k plus lang yan. Wala lang talaga ko pambayad masi sa laki na nyan eh pre nilaan ko po sa anak ko po budget sa pre term na anak ko before on and off po job ng mister ko and ako naging bread winner kayanapabayaan napo yan.
ReplyDeleteATTN:name ko po
This is from Credit Investigation Bureau Inc. We will conducted a VISIT on JULY 28, 2022 by Court Sheriffs & Authorities together your Brgy. Officials. Kindly secure your presence to serve with our Investigation team after 24 hours as SOP. You can still hold calling at 09388271367 and look for Atty. Joy Infante or any Legal Officers available until 4pm today. Otherwise just prepare the necessary document with your Lawyer for your defense.
@anonymous, pls. ignore
Deleteprescriptive period to collect or file a case have already expired
and FUNNY message nila ha !!!
Can debt be collected after 10 years?
In most cases, the statute of limitations for a debt will have passed after 10 years. This means a debt collector may still attempt to pursue it (and you technically do still owe it), but they can't typically take legal action against you.
Thanks po, nag appear lang po kasi sa email ko yan without any address ng sender. Haay..thanks po sana nga ndi sila pumunta
Delete@anonymous. hi nagpunta ba ?
DeleteSaan po number isend ang diskarteng piso
ReplyDelete@anonymous hi its 0976 0214216 marilou b or d
Deletethanks
Hi, any thoughts with this scenario. May tumawag sa hotline ng brgy namin to confirm if nakatira pa daw ako sa area namin. Then yung caller name is Cheryl Untalan, may pupunta daw na sheriff at pulis sa bahay namin to check. Ano po ba magandang sabihin or gawin since parents ko lang po ang naiiwan sa bahay namin. Hindi naman sila pumunta sa bahay. Balak palang daw po. Wala naman akong ibang alam na problema. Maliban dyan sa cards. Ito name ng Sheriff Butch Gatchalian. Natalo na daw po ako sa kaso ko sa makati dahil hindi daw po ako umaattend. Ano po kayang gagawin dito. Property Injunction daw gagawin in 4pm.
ReplyDelete@anonymous, ano raw
Deleteas per Cheryl Untalan, malamang the kolektor pupunta si sheriff and pulis sa bahay nyo
bobo ba sya, if a case was indeed filed for sure ALAM nila ang address mo...no need to verify with the barangay
sheriff is a busy man, sa notice of execution nga, pina-padala lang on registered mail ang notice and sa yo me personal appearance pa n sama pa pulis-patola... that's bullshit
They gave a number and name to call to my parents then syempre my parents got panic. Ang case ko daw po is Property Injunction since 2019, but the thing is defaulter lang ako since pandemic. Connected po ba ito sa credit cards? And ang bobo din kasi ng brgy they literally go to our home address to inform my parents with this. Ito po yung number na binigay 0906-184-2838 Sheriff Butch Gatchalian. Wala akong narereceive na any documents related with this, my husband tried to asked them what is the case, they just told him they cannot disclose since I am not the one called them. How to handle this po Thanks
Delete1. There is NO SUCH THING as "property injunctions" lol!
Delete2. The post title already said it so.
3. You want me to call you?
4. scam....scam... scam....
Hi po I already message the number given by the caller sa brgy namin, I asked them what is my case na sinasabi nila na 2019 pa. If they have documents sabi ko kindly send it to my email which I gave them is legit email. Then sabi niya call me, not unless wala daw po akong pang call. tinawanan ko naman siya sabi ko just send the documents to asks someone regarding with my case. He/she replied na " You're not cooperative, not what I thought. 10 am with/ without you, proceed po kami sa operation."
DeleteFrom this I already instruct my parents not to let them in, in our home. Check the IDs the papers send it to me via messenger in case pumunta talaga. And bawal yung kukunin mga appliances because this is illegal walang magtyatyaga sa mga gamit sa bahay. My parents are already senior thats why they will panic. What should I say dun sa number na binigay nila so that they will not go to our house. In addition , sa brgy namin na they literally put my parents into danger from what they did. Confirming the address and visit my house without knowing who's the caller. 10 am daw they will proceed with this case, I don't know kung anong gagawin pero yun ang nakikita ko na scenario. And sinabi rin pala nung sheriff na they will arrest me, na kasama ang caloocan police district.
See above suggestion no 3 🙈
Delete@anonymous Hello po mam. Ano po Kaya nangyari dito.. Natuloy po ba ung pag Punta Nila sa house nyo..
DeleteLegit po ba ito ngemail sila sa customer service kung saan ako dati employed na bank? Ang email add is mbcss00026@gmail.com. Hindi ko man lang alam kung anong bank nirerepresent nila. Ung iba po credit cards na ngeeamail sa kin amnesty lang nmn inoofer.
ReplyDeleteDEAR SIR/MA’AM,
May this letter finds you well.
We are sending you this letter to request for your kind assistance and call the attention of whom we learned an employee of "bank xxxxxxx". We humbly ask for your assistance to advise the above mentioned employee to call our office about a very important “LEGAL MATTER"
you can contact us here!
0969-221-4397
or you may send us an email at ramosron255@gmail.com upon receipt of this letter and look for our legal officer Ron Dela Cruz or any information of the said subject.
We are hoping for your utmost and immediate attention regarding this matter and we highly appreciate your response after you read this message.
Thank you and best regards.
BRAVO SALANGASANG AND ASSOCIATES LAW OFFICE
@anonymous, ay pasaway ang kolektor at nag email pa sa customer service ninyo
Delete-just ignore and tell your customer service na scammer yan and lagay nila sa spam folder
Hi @mscherryloudejesus hingi lang po sana advice 1year defaulter of rcbc bankard almost 5ok na po. Pero 40k lang po limit ng card.
ReplyDelete@anonymous, hi naging 50K due to interests and penalties
Deletejust relax, defaulted amt is not kadema-demanda
filing a case will surely cost money for defaulted bank and they still need to pay the legal counsel
-para saan... maka collect ???
Hi @misscherryloudejesus
ReplyDeleteRecieve a final demand letter form molaer firm stated
As final gesture and respect to you our client rcbc bankard and our law firm is again formally and with serious urgency demanding payment from you and your said account and with a stern legal warning and advice not to dispose sell transfer your real (house and or lot) and personal (car tv sala set etc. ) properties which may have been confionally listed down by our officers and or not to withdraw your bank deposits and or you salary and wages. If any in the event tbe civil case for collection of sum of money case has been filed against you and your spouse if any and a court decision has been rendered which have become final and non appeallable and then serve upon you in which instance you may be subjected to contempt of court if violated. Your spouse if any may be incl
Next step na po ba jilauded as mandatory party defendant in the sum of money case to be filed against you pursuant to rule 3 sec.4 of the new rules of court. Your deafening silence and or non response to our said demands indicate your unjustified refusal to pay and demandable obligation to our said client.
Alexix Molaer for the firm.
Wala pa po kasi talaga pambayad
Last legaladvice na daw po nila yun.
July 8 po ung letter pero ngayon lang po pinadala next step na po nila is filing a case na?
Almost 5ok na po ung bill na dating 25k .
Thank you po sa magiging advice
@anonymous, hi pls. ignore current kolektor
Deletefyi lahat po ng kolektor me version ng "final-never-ending demand letter"
so nothing new po
Hi banker and Ms cherry.thank you po sa lahat ng tulong nyo sa amin na mga defaulters.ask ko lang po member po ako ng GSIS.pag nag retire po ako or kukuha separation pay sa GSIS at may decided civil case Po ako maapektuhan ba Ang claim ko Kasi parang kumukuha pa ata sa office of the prosecutor Ng letter kung may mga pending case ka dun.thank you po sa pagsagot.
ReplyDelete@anonymous, hi for me di naman siguro
Deletekasi sum of money case is civil in nature, parang annulment case lang and benefit naman po natin ang magiging pension sa sss or gsis
-which we have paid/contributed for a good part of our lives
and sss/gsis pensions and insurances are exempted from execution
FYI lang satin mga defaulter wag po mag papadala sa mga text na my link lalo na kung hindi pa tayo handa mag bayad medyo may pauso si collector kasi nag sesend ng link baka makita saan ako nakatira ,,sori pero next time nlng pag my ibabayad na😊
ReplyDeleteNapansin ko nga din yan lately, daming scam texts na may link though di sya about kautangan. Haha. Buti na lang di ako basta basta nauuto sa mga ganyan kasi it is either pishing site or virus na mainfect device ko.
Delete@anonymous, hi thanks for sharing; wow level-up na mga kolektors
ReplyDeletebefore email-tracking pa lang ang na-achieved nila
and now this...
Hi. I received an email from an editor of a newspaper na may may nagbayad ng NOTICE TO THE PUBLIC and the ad will be published sa newspaper nila. May pending case daw ako about ARTICLE-318 OF THE REVISED PENAL CODE/ R.A 8484. Pero I haven't received any email or anything about it. Nagmove out na rin kaso ako ng dati kung tinitirhan kaya clueless ako about the case. Criminal offense ba siya? Ano po kaya ang possible action na pwede ko gawin. Salamat po.
ReplyDeleteSobrang naka bobo naman tong strategy ng scammer kolektors na to. At bakit naman daw mag inform sayo ang Newspaper Editor? Di naman tayo ganun ka importante sa kanila. Budol moves lang to. Get the details of the newspaper and the editor. Hwag maniwala. Di ka naman nakapatay na may criminal offense ka. May nabasa na ba tayong list of CC defaulters sa newspaper? Hehehe. Anong gawin mo? wala ah.
Delete@Sonnixx Haven, sooo true
Deletethese crooks are thinking na we're so stupid bec we default on our accounts !!!
besides putting an add in any newspaper (tabloid or known broadsheets ) will cost a fortune and cheapest way to bully defaulters lalo na the newbies will be to send them sms/emails/demand letter via snail mail or pag me budget thru couriers pa
-haist !!!
Thank you po. It was the Deputy Editor in Chief ng broadsheet ang nakalagay sa detail as sender plus name nung deputy editor in chief nila. I searched sa Google and legit na siya nga yung listed na editor in chief ng broadsheet kaya medyo magworry din ako and I tried asking here baka may naka experience na. Sa email din po kasi nakalagay ito 'in line with our mandate of protecting the interest of member newspaper organizations and promoting ethical standards in the profession' and yung name ng company where I was previously connected was mentioned and will be included sa notice kaya kahit papaano, nagworry din ako since baka ako naman ang balikan nung previous company ko na yun kasi nadrag sila sa issue.
DeletePero the email was using @gmail.com as domain, hindi yung broadsheet name as domain. Tried contacting yung provided number, not yet in service. May CP number na included, pero I didn't contact.
I also sent an inquiry via social media channels nung broadsheet kung associated yung email sa kanila or check din nila kasi nadadrag yung name nila sa unscrupulous emails kasi even yung logo nila is being used. Haven't received reply pa naman po.
Thank you by the way. If makareceive ako ng reply sa broadsheet, I will post another comment para aware din ang iba.
old scam... jusko milyon nga may utang di pinost e
Deletewow, astig sa pag level up. super uso rin ngayon na ginagawa nila na mag kunwari taga barangay talaga, at mag post pa ng messages sa social media kunwari looking for help about details ng defaulter. both strategies, outright sagutin natin na scammers yan sila. kahit magputa pa sa barangay, walang papeles na ipapakita sila. overall strategy talaga na di magpakilala kung anong banks sila nag represent. kasi alam nila na pwede sila i-report. let us save our energies sa patuloy na diskarte sa buhay. hwag magpapadala sa mga scammers na CA agents. Yes, may utang tayo. pero wala silang karapatan na gawin sa atin ang illegal nilang styles. Chill lang. Relax lang tayo. ultimate dare, sige na nga kaso na kayo. 😊😂🤣
ReplyDeleteOo nga @Sonnixx Haven. Lately tinry ko sagutin mga collectors, curious lang ulit hehe pero di na sila nagsasabi sang bank sila. So sabi ko na lang scammer sila haha. Nagalit na lang in the end at kung ano ano na sinasabi na bayaran ko na daw utang ko. Lol. Neknel nyo. Di nyo na ako mauuto. Ayun tumigil din hahaha.
Delete@anonymous
ReplyDeleteNagkomento si Hindi kilala sa "New Blog Admin"
41 minuto ang nakalipas
Need help po.Diko makuha collateral docs from bdo.fully paid na car loan but naka hold dahil daw sa credit card.pwede ba na hindi tlga nag release si bank? Nabenta na kase ung sasakayn so si buyer waiting nalang ng Orig ORCR.
-hi cannot see your comment sa "new blog admin"
yes bdo has the right not to release the chattel mortgage without you paying the defaulted cc
-so try to request the bank if possible the discounted amount for one-time payment
good luck !!!
@ to all kadiskarte
ReplyDeletehi favor pls. post your comments on the latest page... salamat
Hi po.. this is not CC related
ReplyDeleteBut home credit.. possible po ba si Home credit for filing a case.. nkakuha lng under my name bro ko ng 14k+ amount ng phone pero di n ksi sya nag hulog.. any thoughts po?
Please let us help M'am Cheerylou lighten her workload 🙏🙏🙏
ReplyDeleteMag-update lang ako sa ginagawa ko pagbayad sa mga defaulted cards ko.
ReplyDeleteAs I previously mentioned, after HSBC, may dalawa pa ko defaulted cards and defaulted loan na balak ko bayaran. In total, 5 cards na ang nababayaran ko.
Kanina, nakausap ko yung sa isa kong defaulted card and we have arrived at an agreement. Sa isa ko namang loan, bukas kami mag-uusap.
With God's help, sana matapos ko tong dalawang to bago mag-close ang 2022.
@banker thanks po
ReplyDeletekasi parang nawawala yung comments nila sa old page natin
like i have to copy paste their comments para po ma replayan 😬 happy weekend po
Hi guys.... basa tayo lagi para iwas tanong ng same question... hehe hi miss checrrylou ingat ka po palagi...
ReplyDelete@mr kabado2, hi maraming salamat 🥰
Deleten safe weekend !
Hi po sa lahat , i have defaulted card sa bpi and my joint account kami ni hubby sa pnb. Dun sya nagpapadala ng remittance. 2 years defaulted na po ako. Wala pa po ako pambayad now. Umabot na po sa 500k ang defaulted amount ko included yung mga charges. Nag offer si spmadrid ng 300k kaya lang di ko pa po kaya now. Sakto lang po pang needs yung padala ni hubby. May konti ipon yung nasa pnb for emergency po. Pwede po ba makuha ni bpi yun? Simula po kasi pandemic d pa ako nakakapagwork dahil walang magbabantay sa mga anak namin. Nahihirapan po ako sa kakaisip pano gagawin. Any advice po na maganda gawin? Salamat po
ReplyDelete@anonymous , yes focus po muna on the needs of the family
Deletewhen the bank files for a case, pwede ma garnish lahat ng bank accounts unless exempted by the court
so not safe po to keep bank accounts under your name
-pwede po mag open ng itf account since minor pa ang mga bata n dun po deposit emergency funds
I have defaulted card sa metrobank, 300k d na po ako nakapagbayad simula nung nag pandemic, nalugi sa negosyo na bagong tayo lang. nakakalungkot po. May nakapagtry na po ba magsettle sa metrobank na mas mababa ang offer? Salamat po. Gusto ko makabayad for peace of mind na din po. Kaya lang d ko kaya ganyan kalaki. Nagpatong patong na ang mga fees and charges.
ReplyDeleteAs per request of M'am Cherry to lighten her burden, please post your concern/s on the latest blog article. thank you for your understanding.
ReplyDeleteSaan po?
DeleteSaan po yung latest blog?
Delete@anonymous, hi you can post your comments here or sa God bless the Philippines
Delete-wag lang po sa sobrang lumang page na pwedeng mawala yung question or comment nyo
Mam bago lang po ako sa blog nyo di na po tlga kasi ako makakain at makatulog may utang po kami sa credit card sa eastwest bank nasa 300k lumobo na po gawa interest handa nmn kami bayaran yun pero inuuna po namin muna ung personal loan kasi may cheke po yon. Totoo po ba na may napunta sa bahay or sa workplace na collector? Yung collection agency po ay EGY di po kami nakikipagusap ulit sa collection agency kasi wala nmn sila mabgay ng payment plan sana po mapansin salamat po
DeleteHi Anonymous, if hindi pa kaya wag munang ipilit... basta iready mo lng ang sarili mo sa calls ng mga collector... wait ka lng mgbigay ng malaking amnesty offer ang eastwest.. malaki sila mgbgay ng discount.
ReplyDeleteHi po, i am defaulter of most of the credit card and have default in psbank flexi loan. Nagpapadala po sila sulat sa bahay then sabi ng parents at kapatid ko is sumisigaw daw sila ng malakas at sinasabi na hindi ko pa daw binabayaran mga loan at cc default ko. Sinasadya po nilang iparinig sa mga kaptibahay namin kaya nahihiya tuloy ang mga parents ko kapag nirereceived nila ang sulat.
ReplyDeleteI think the messenger duty is to ipareceived lang ang sulat or notice letterpo, pero hindi dapat sumisigaw para iparinig sa iba na may utang ako na hindi binayaran.
Ask ko lang po if ano tamang gawin or sabihin sa mga messenger ng letter para hindi na nila gawin ang ganon way of pagpapahiya. I think under bsp code bawal yun.
Wait ko po advise niyo. Salamat po.
@anonymous, yes bawal po mangharass
Deletenext time get their ids, dalhin sa barangay and then ipa-blotter
trabaho ng messenger
1. deliver ang final-never-ending demand letter
2. minsan whilst you are receiving the letter, tatawagan ang kolektor to confirm receipt and i-push ng kolektor ang offer nila
and yes sometimes BASTOS ang mga messengers na nagdadala ng letter
yung feeling nila na nabili nila ang pag-katao ng defaulter
so never allow the kolektor to control the life of the defaulter and don't argue with the idiots
Hi po, paano kung may Demand to Pay na pinadala ang BPI, can I still negotiate to lower the amount from their collection department? Sheriff III nagpadala ng letter from Branch 61 (Makati). Thanks po sa sagot in advance!
ReplyDelete@anonymous , if what you mean is nag inform ang sheriff na approved na ang writ , i guess what you can do is try to negotiate with the bank's legal counsel if poss to lower the amount to spare your bank accounts na pwedeng ma garnish
Deletehello po admins. ano po pweden ireply dito? naiistress na po kasi ako.
ReplyDeleteHi, Good Day, Mr / Ms,
REPUBLIC OF THE PHILIPPINES REGIONAL TRIAL COURT
Judicial Region Branch, City,
PEOPLE OF THE PHILIPPINES,
Plaintiff,
-versus-
Crim.Case No. 143744
Accused.
MOTION TO REVIVE AND SET CASES FOR HEARING
Rolly Jr Eliedo Lumantas
Accused through the undersigned counsel of the Public Attorney's Office, unto this Honorable Court, most respectfully states that:
1. For failure of the Accused to settle the principal, penalties, damages of unpaid balance this Honorable Court issued an ORDER dated August 3, 2022 issuing a final notice and bench warrant against him/her, and sending the case to the archives.
2. That the Accused was recently informed about the terms and conditions by virtue of such warnings, but is currently no resolution for the amicable settlement.
3. That according to the third party of accused, he still resides at same address where he may be served subpoena.
4. He/She may file a counter affidavit but shoulder all the legal cost
5. The accused shall penalized under the rule of Criminal Case No. 143744
PRAYER
It is therefore most respectfully prayed that
1. the instant case be removed from the archives and be set for hearing schedule to be determined by the court
2. that subpoena be sent to the above-stated address so that he may be able to attend the hearing of this case;
3. Other just and equitable reliefs are also prayed for.
Respectfully submitted. City of, Kalakhang Maynila. August 6, 2022
NOTICE
Officer-in-Charge
Hello po maam cherry, pwede po bang manghingi ng email nyo po? May question po ako. Matagal na po ako nag cocomment di po na uupload po. Salamat
ReplyDeleteSirs/Mesdames:
ReplyDeleteThis serves as STERN AND STRONG FINAL WARNING from RGS Recovery Management and Collection Services, Inc on behalf of Collectius PH.
For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, we will be giving you only THREE (3) days from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, RGS Recovery Management and Collection Services, Inc in behalf of COLLECTIUS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers: +63920-2823064 / +63945-5786374 / (02) 7-7196410 loc 550 Email address rona@rgsrecovery.ph rafontiveros@rgsrecovery.com.ph
Regards,
Rona Fontiveros
RGS Recovery Management and Collection Services, Inc
4th Floor, Anonas LRT City Center
No.968 Aurora Blvd Project 4
1102 Quezon City Philippines
rafontiveros@rgsrecovery.com.ph | rona@rgsrecovery.ph
+63920-2823064 / +63945-5786374
(02) 7-7196410 loc 550
Privileged/Confidential information contained in this e-mail and its attachment/s is intended solely for the use of the addressee and is not meant for reproduction, disclosure and distribution to others without previous authorization from the sender or its authorized representative. If erroneously sent or received, please do not open and delete the same from your system. Unless, otherwise specifically stated and confirmed by the authorized representative of the sender, the opinions and views that may be contained herein are personal.
CONFIDENTIALITY : This e-mail and any attachment may contain confidential and privileged material intended for the addressee only. If you are not the addressee, you are notified that no part of the e-mail or any attachment may be disclosed, copied or distributed, and that any other action related to this e-mail or attachment is strictly prohibited, and may be unlawful. If you have received this e-mail by mistake, please notify the sender immediately by return e-mail, and delete this message. The sender shall not be liable for the incorrect or incomplete transmission of this e-mail or any attachments, nor responsible for any delay in receipt.
Disclaimer * Terms and conditions apply. Approval of the discount are subject to sole discretion of the Management. If payments have been made already, please disregard this Letter.
Hi po I have received their email po. Rcbc default po Ng 2019. I am afraid about this letter. Can I go straight to rcbc to settle but I thinksuper tagal na po Ng credit card ko di nabayaran way back 2019. I blocked her email address in my Yahoo mail.
Hi, ignore this.
DeleteIf wala po budget to pay, just ignore.
Hi Ms Cherry and Banker,
ReplyDeleteNapamessage napo ako kasi wala po akong mabasang makapag bibigay ng lakas ng loob sakin nagkautang po ako sa BPI 50k ngayon 70k ireceived alot of phone calls nagpalit na po ako sim and blocked yung sa email ko. May nag punta po na collector pinakausap po sakin pinapabayaran na po sakin eh wala.po ako pambayad now kasi wala pong work simula pa po nung pa demic...aabi nung kausap ko pagdi ako makasettle ng kahot 10k ligal action daw po nila plus yung gagastusin daw po nila to file case sakin. Anxiety na po dahil dun. Sana din po makausap ko din po kayo for some advise po. Salamat.
NOTICE OF PRELIMINARY INVESTIGATION AND SURPRISE VISIT
ReplyDelete- SMALL CLAIM CASE NO. 011- 0045 : NOT PAYING DEBT-
SERVED TO: MR.
[ABANDON STATUS]
This is from THE CREDIT INVESTIGATION BUREAU INC. Please be informed that your CIVIL/CRIMINAL COMPLAINT has been finalized to us under violation THE 2016 REVISED RULES OF PROCEDURE FOR SMALL CLAIMS CASES . UNDER THIS CASE THE DEBTOR WILL BE IMPRISON / ESTAFA / FRAUDSTER/ . Were serving our investigation team at your place with coordination to the nearest barangay to conduct ocular inspection and preliminary investigation within 24 hours and were requiring you to be visible at any time. To anticipate the operation please comply to stop the Surprise visit tomorrow. Demand Letter will be sent to your Email for Notice, the Final notice will be sent to your home
Same Old Shits, Ano po pwede IReply dito?
@anonymous, nothing po
Deleteyou're right the old usual shit 😼
hello. just today may dineliver na demand letter si RGS recovery para sa CC utang ko with EWB. parang nasa 7yrs or more na yata tong utang ko so lumobo na. may ginamit na name
ReplyDeleteng lawyer - atty roberto ultado jr. tanong ko is can they still file a case against me? planning to pay naman ewb pag naka luwag2 na. malakas ba mang harass si rgs? salamt
@anonymous, nope n no postings yet bout ewb filing for a case
Deletehelp sir banker po naiistress po ako. wala pa po kc ako pambayad dahil nawalan po ako ng trabaho. ngayon po na may work ako maliit lang po ang sweldo. 152k po ang alam ko na naging utang ko. mkukulong po ba ako? di naman po sila tumatawag. or txt
ReplyDeleteM.L. SOBREDILLA LAW OFFICE
Unit 507-510 5th Flr. RCJ Business Center, Ortigas Ave. Ext. Cor Countryside Ave., Sta. Lucia, Pasig City
STRICTLY CONFIDENTIAL
August 23, 2022
RE: YOUR OUTSTANDING METROPOLITAN BANK & TRUST COMPANY
CARD NO. xxxx-xxxx-xxxx-
Litigation File No. 04-001
Dear
Our client, METROPOLITAN BANK & TRUST COMPANY has referred your above unpaid Metrobank Visa/MasterCard usages in the amount of PHP 325,110.99 inclusive of stipulated interests and charges as of June 2, 2022 which has been past due for more than ninety (90) days, FOR POSSIBLE IMMEDIATE LEGAL ACTION.
We were told that prior to us, your said account has been previously referred to at least three (3) accredited agencies for appropriate collection but all proved unsuccessful for reason/s that you have been avoiding our calls/hiding/stubbornly/unjustifiably refused to pay, or you left your given address without informing our client of your present whereabouts. Our client has instructed us to pursue all efforts to collect your above obligation even if it will mean filing civil and/or criminal cases as maybe warranted by attending circumstances.
Please be informed that REPUBLIC ACT NO. 8484, otherwise known as the Access Device Regulation Act provides for the following:
“Section 9. Prohibited Acts. — The following acts shall constitute access device fraud and are hereby declared to be unlawful: xxx
(j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
xxx.”
“Section 14. Presumption and prima facie evidence of intent to defraud. — The mere possession, control or custody of:
xxx
A cardholder who abandons or surreptitiously leaves the place of employment, business of residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.”
Your abovementioned acts and your failure and refusal to pay your LONG OVERDUE obligation to our client, despite demands clearly shows that you purposely do not want to honor your said obligation and therefore intends to defraud our said client to its great damage and prejudice and which is clearly a criminal act punishable by law.
In addition, your prosecution under the above-mentioned law shall not free you of other liability under other laws, thus, Section 17 of R.A. 8484 states:
“Section 17. Liability under the Revised Penal Code and other laws. — Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law.”
@anonymous, hi no imprisonment for non payment of debts as per the bill of rights , pwede nyo po ma google
ReplyDeleteno postings yet bout metrobank filing for a case
yan po usual format ng demand letter so no cause for alarm
n yes pls focus on the needs of the family n deal with the bank pag ok na ang finances
n tambay lang po sa blog para aware kayo sa tamang diskarte
"iba ang may alam 🤗"
Thanks admins and Banker for reposting this. It helps a lot. Knowledge is indeed power.
ReplyDeleteHi. Is there anyone here may alam kung saan napapaloob na batas kung saan hindi dapat manghimasok ang barangay sa case ng credit card defaulter? Itong barangay kasi ang laging pinapanakot ng mga CA at may pagkatanga pa naman itong mga barangay personnel sa lugar namin. Para next time na ipanakot ulit nila eh batas ang ipang babluff ko sa kanila. Thanks.
ReplyDeleteThis comment has been removed by the author.
Deletehttps://lawphil.net/courts/supreme/ac/ac_14_1993.html
Deletemeron din nanakot sa parents kong CA next time daw mag papa schedule na sila sa brgy. Sabi ng parents ko edi pa schedule kayo.
ReplyDeleteMeron po b dto na approved p rin sa home credit kahit defaulter na? Thanks po
ReplyDelete