1. For indigent persons
2. Coverage : criminal, civil, labor, administrative and other quasi-judicial cases.
3. Monthly NET INCOME (AFTER LIVING EXPENSES)
a.National Capital Region P24,000.00;
b.Outside NCR b.1 cities - P22,000.00
b.2 municipalities - P20,000.00
4. Documents :
a. Affidavit of Indigency with supporting Certificates from DSWD and/or Barangay (No Income)
b. ITR/Any Proof of Income if any
Thanks to Atty. Acosta/Chief
Ito ang isa sa natutunan ko.
ReplyDeleteIF SOMEONE call you at nagsabi na siya ay isang ABOGADO siya or papakausap ka sa abogado, SAY NO! MAGISIP KA,,,,,,,,,,,
ang totoong abogado hindi tatawag para magfollow up ng utang.
ang totoong abogado alam na sa court mas formal legal and fair.
WALA sa jurisdiction or job description ng isang baogado para magtawag ng isang defaulter.
kapag nag-inaso, get his/her ROLL NUMBER as attorney and check in the website below... sometimes tama naman ang roll number pero sa ibang roll number ng abogado ang gamit(happened to me many times they using someone name to harrest)
https://sc.judiciary.gov.ph/lawlist/
@mr kabado 2, hi well said
Deletelowyers are sobrang busy para maningil
though maganda ang kitahan sa pagiging kolektor pero the lowyers have agents to do the dirty job of harassing the defaulters 😖
Tomoh! lawyers have pride Naman and won't call you to "beg".it cheapens their profession 🤣
DeleteHi banker,
DeleteWould it be possible to talk to you regarding my situation?Really need yoir advise.
Thanks.
Remember that bank credit card companies have no proof that you actually borrowed from them. Their evidence is lacking. For one thing, did you have a contract with them? Terms and agreement is not a contract. Secondly, it was not notarized. Thirdly, ask them to justify, per item, how they arrived at the figure they are quoting. They cannot be able to. But since they are third party collection agencies, my advice is to just to hang up. Don't argue with them.
DeleteHi! Familiar po ba kyo sa prime alliance? Nagpunta na kasi sila sa bahay tlagang di umaalis hanggang di ko daw makakausap yung sa fone. Sa ewb po yunh defult ko. Sbi ko mkikipag usap nlng ako sa ewb mismo pag okay na, tpos sbi nla my contact person n daw na need ko tawagan para makipag settle. Sobrang natakot ako buti aware nko s mga mangyayare dahil sa group n to.
ReplyDelete@anonymous , ah si prime alliance naku in my time sobrang rude nila, one time nag bwisit sa office n taas ng tono ni ate bitchy🤨 n syempre di ko pina lampas 🤬 ayun biglang baba ng boses n follow up ng offer
Deletena natural na di ko patulan , ano yun
nairita na ako 🙄 sasaya pa sya sa komisyon
no pwede
lesson of the story, never let the crooks to control the life of the defaulter
Kaya nga super thankful ako sa group nto! My idea nko pano mga gagawin, babae din kumausap sakin sa fone, tnawagan ako, minali ko nga number ko sb ko s cp nko twagan 😂 kso ung nkamotor ngmamasid pla d umaalis kya pinabalik sa bahay kc d daw ako mcontact 😂
DeleteIlang beses sa isang buwan po kya sila pupunta sa bahay???
Delete@anonymous, ang pag-bwisit sa office/bahay, depende kung gaano ka desperate si kolektor para maka-komisyon
Deletenow kung super rude si messenger na sugo ni kolektor, get his id and tell his face na ipapa-blotter mo sya for harassment
he he for sure mawawala syang bigla sa harapan mo
I have some updates and questions to CherryLou and Banker which I hope they will able to answer.
ReplyDeleteAs of last week, I have completely paid my remaining credit card and loans. Ang total amount due ng natirang limang cards was around 1,250,000, pero almost 200k ang binayaran ko.
Ang natitira na lang eh yung na-garnish sakin na card, and as much as I would like to pay, di ko alam kung pano ko gagawin,
since I don't want to disturb it.
Ang question ko kay @banker and @cherrlyou eh
- For the paid cards, how long before my records get updated sa credit card bureau or CMAP?
- Will my credit score improve because of these payments, considering may natitira pa kong isang card?
@Brian Surewood ang alam ko once mag report ang defaulted bank madali daw mawala sa cic (formerly cmap)
Deletebut ang problem is di yata mawawala sa record nila yung sum of money case
anyway, you can give it a try by applying for a credit card or request a friend working in a bank to check 😉
let's wait for banker's input
Hello po alam ko po sa bank may ginagamit po silang system para macheck kung may defaulted loans or cc lalo na po kung mag-apply ng loans or magopen ng Checking Account, kahit fully paid na po kayo lumalabas pa din po ung defaulted amount & kung san nadefault may nakalagay lang po na remarks or additional note na PAID or Fully Settled.
DeleteFrom what they told me, once your name is in CMAP, it will never be erased, but it will be placed "settled". However, CMAP records are never updated. You might have to go to the office of CMAP, somewhere in Makati, show them that you have fully settled and asked them to update their records. Your name will still be there, but status is "settled". You can also ask for a certificate from CMAP that your debt is settled and let the lender company where you are applying know that you have settled in the CMAP. However if you borrow from thrift banks, rural banks, and landbank, they don't check your name in CMAP.
DeleteHello. 2 months default. Message nila is temoprary suspended. Can you please enlighten me ano next mangyayari? Yung isa is with Admerex already. Yung isa in house pa lang. marami pong salamat
ReplyDelete@anonymous , hi since 2 months po na di updated ang acct nyo kaya po temporarily suspended n pag inabot ng 3 months possible na ma cancel na n you will be billed in full n your account will be endorsed to the kolektors na madalas ang alam is mang harass 🥴
DeleteSame situation here under UB grabe king makatawag ahhaa buti na lng may feature sa phone na silence call to unknown numbers, nanakot pa na maghouse visit hays wala talga pambayad eh kaya tiis tiis n muna cla
DeleteNakakastress ang calls ng RGS. Mga 2 months na silang nangungulit at nagbibigay ng payment deadline. Kapag hindi daw nagbayad, demanda na. Hayst. Paano po ba imanage ang stress?
ReplyDelete@anonymous, how to manage stress 🤫 simple ignore lang po and call ni bank if they want to file a case
Deletefor now pls focus on the needs of the family
n rgs will handle your acct maximum of 3 months
pag walang joy sa acct nyo, your account will just be endorsed to the next collector 😉
Thank you po. Siguro mga ilang taon pa po bago ako makabawi sa health and financial crisis. Until then, wala talaga akong maibabayad. Sana makayanan ko po ang anxiety. Malaking tulong po ito h blog.
Delete@anonymous, most welcome and yes kaya mo yan, just visit the blog once in a while
Deleteand wag magpa-bully sa mga "mababait " na kolektor
pls. remember kolektor lang sila n you don't owe them anything !!!
Good day ! Hingi lang po sana ako nang advice if ano gagawin ko yung cc ko po is metrobank and matagal napo akong di nka pag bayad since na stop akong mag work and hanggang sa nanganak ako di pa ako nakakapag apply sa ibang trabaho dahil naging covid positive ako . si SP Madrid ay nagpadala ng sulat at tumatawag sa previous company ko po . I just gave birth last june and sonrang stress pako ngayon . mag fifile daw po sila for legal action if di ako naka pag settle today . ano po ba isasagot ko sakinal . please enlighten me po . thank you
ReplyDelete@anonymous, hi pls don't worry no postings yet about metrobank filing for a case
Deleteand laging panakot po ng kolektor ang filing of case
so focus muna on the needs of the family
pag ok na ang finances, then ok na po to deal with the defaulted bank
thank you so much maam cherrylou , nakaka stress napo kasi baka po lag di pa ako nag bayad mapapahiya ako sa ibang tao lalo na sa amin kapag lagi sila nag papadala ng sulat . tanong ko po uli kung sakali ba in the future pag naka luwag napo pwede bang direct to the bank bayaran yung sa credit card or need talaga jan sa mga nag cocontact na collector ?
Delete@anonymous, sure
Deletetry to call the bank 😉
nagpapadala ng sulat? I use it for scratch paper.
DeleteMam cherry, would it be ok lng po ba sabihan cla CA na nagresign n ako sa work pero d naman.. nakakaistorbo na kasi cla kakatawag sa opisina like d na po maganda ang panay tawag nila kaya ayun pinagsabihan na nagreign na yung hinahanap nila.
ReplyDelete@anonymous, sure ok lang
Deletejust make sure na aware officemates
para if ever crooks call
aware sila whar to tell them 😉
Hi ms cherry, i have 2 defaikted cc in metrobank. Its been almost 1 year n i am ignoring calls pero nababasa ko texts nila and minsan may nagpupunta sa bahay nagiiwan sulat. Swerte lang wala ako sa bahay . Di lang maiwasan mga maritess na kapitbahay,, ang worry ko po is may personal saving acct po din ako sa metrobank naka /OR kami ng mother ko since senior na sya peroung fund is nanggagaling sa remittanxe ng brother ko abroad. Mapapakialaman ba nila records ko dun sa branch na un? Kc as of now di pa nila nate trace address ng mother ko na ginamit namin dun sa account na un. Un ang kinakaworry ko pag naghouse visit mastress so mother kc di nya alam me nadefault ako saka madali din sya mastress sa mga ganyang bagay..thanks for the help thru this page mga sir/ma'am
ReplyDelete@anonymous
Deletefirst of all mas ok to inform mother para pag naligaw ang demand letter or home bwisits , di ma stress sa mom
just tell her na you are trying to solve the problem 😉
pag na tagged ni bank ang joint acct poss ma auto debit kasi bank will assume na hati kayo sa acct
bka ma auto debit half of your deposit 😬
Hi!!! Kinukulit nnmn po ako ng sa prime alliance, gsto nla magpasa daw ako ng letter at ng valid id ko at pupunta daw sa bahay yung staff ni atty. Hehe pwede naman po hndi ako magbigay db? Baka kung ano pa gawin nla sa valid id ko. Please help po ano maganda ko sabhin or gawin
ReplyDelete@anonymous, hi no need to do a letter/promissory note
Deletepara que, nag mamaganda lang ang kolektor
what staff ni lowyer, di ngah 🤪
yeah never give ids to strangers 😎
Hi admins, sana po mapansin. May nareceive po akong email. Pupunta po kaya talaga sila sa dati kong tinutuluyan? natatakot na po ako. Eto po yung email na nasa spam.
ReplyDeleteREPUBLIC OF THE PHILIPPINES
REGIONAL TRIAL COURT 5th JUDICIAL REGION
Complainant,
-versus
Civil Case No. G.R. No. 199975 swindling/estafa
Office
Respondent,
COMPLAINT
COMPLAINANT respectfully files this administrative complaint against respondents and states that:
PREFATORY STATEMENT
Complainant from private institution comes before the Sangguniang Panlungsod ng Makati to file this administrative complaint to (NAME KO) seeking for administrative case under Case G.R. No. 199975
The herein respondent for Gross Neglect of settle the obligation and create damage to the private companies in this Honorable Council we submitted your information to file you a legal Respondent
Debtor name is a Filipino of legal age, where he may be serves with the summons and other processes of the Honorable Council.
This is to inform you that by August 15, 2022 your SUBPOENA/COURT SUMMON will be present at your address if their is no settlement to the complaint in accordance to the criminal case filed against you.
A BENCH WARRANT will be served for failure of payment and will be assisted by Police Captain Albert S. Victorino and SPO4 Police Mohammad T. Soliman
galing po sa lawirmrespicio@gmail.com yan po yung sender.
@anonymous , pls ignore the scammers 😖 n no worries bout home bwisits
Deletemessenger wl just deliver the demand letter
you can receive n sign n if u want to file ok lang or can go to the trash bin
thanks po maam @cherryloudejesus pero totoo po bang may pumupuntang pulis sa bahay? legit po ba yung banta nila or bluff lang? wala na po kasi ako sa dati kong address eh. bahay po ng tita ko yun eh mga senior citizen na po sila. natatakot ako bka kung ano gawin ng mga pulis
Delete@anonymous sa totoo lang bluff ang pag punta ng pulis patola as no one in his right mind would do such a stupid thing 😳
Deletepersonal experience , one day got a call from building's admin that a pulis patola gave them a call asking them to allow them entry as they would serve me the subpoena
so told the admin to just ignore that call
he he making paalam pa talaga 🧐
n as expected nobody came 🤣
This comment has been removed by a blog administrator.
DeleteHi miss @cherrylou.
ReplyDeletei need an advice now. I have been with the group for quite sometime and I wanted to ask something. kademademanda po ba ang 52k? i have a defaulted amount with citibank and i just received a lettter from 24k consultants asking me to settle. can i talk to you personally po? waah can i ask for your email?
@anonymous , nope po
Deleten smart si citibank n just ignore the current kolektor 😉
cherrylou2015@yahoo.com.ph
hi meron nga dito 200k default amount sa CITI di naman nademanda. minsan swertehan lang talaga
DeleteGot a summons.. ignore lang ba ito
ReplyDelete@lostsoulphilosopher, hi if no extra money to commit ok lang po to ignore the summons
Deletewith or without u, judge will give judgement (pag masipag si judge , he will review the filed amt n poss mapababa ang amt. since bloated po ang filed amt )
secure lang po bank accts na pwedeng ma garnished 🤫
kung bdo ung nag demanda.. pwede ba sila mag garnish ng ibang bank? or within bdo lang and sister company like china bank
DeleteHello po! Question po. Kung ang account ko po na defaulted ay pinagpasa pasahan na ng iba ibang CA over the years (from 2019 until now), safe po ba na ignore ko na lang? Wala talaga pong pambayad. Sobrang gipit and lugmok po eh. Salamat po.
ReplyDelete@anonymous, hi yes ok lang po to ignore muna n focus on the needs of the family
Deletejust deal with the bank pag ok na ang finances 😉
Hi po. Sino po ba dito na-contact na ni GCCS and Associates? kamusta po sila? just received an email from them for my security bank credit card.
ReplyDeletehi makulit yan sila na mabait kahit papaano
Delete@anonymous, hi ok lang gccs
ReplyDeletealways demand for an updated endorsement letter if me extra money to commit 😉
@cherryloudejesus mam pwde po ba magarnish ng credited bank ung future govt retirement benefits, claims and loans ko po since under po itong mha acooint sa nak kung san ako defaulted ..maraming salamat po
ReplyDelete@anonymous, hi for an acct to be exempted from auto debit or garnishment pag me decided case for sum of money
Deleteyou need to identify na pension acct ka
like in my case, naka lagay na sss pension acct 😉
Hi mam cherry san po ito idedeclare kung sakali? Ty
Delete@anonymous, hi when you open the sss or gsis pension account
Deletepa inform lang po ang bank
like with me sa sss tinatanong po ng bank purpose for opening 🤗
@cherryloudejesus pag po ba nakareceive ng summon ano po ung reply n sinsbi na dpt ibgy ng defaulter. Dun po ba illagay kung ano lang po ang kakayanin bayaran and i ssubmit mga payslip at itr to know ung salary na d tlaga kakayanin.. since i was a victim of riders na hnd na ko bnyaran at ako ang nagsa suffer. Pwde ko po sbhn sa banks ang problema ko sa rider na hnd na nagbayad at bagrgo na sa bayarin nia sa cc ko . Salamat po
ReplyDelete@anonymous , hi as per my experience i did not reply on their summons, never attended the hearings; waited for decision
Deletesiguro if you like , pwede maki pag usap sa bank's legal counsel 🤫
Anu-anong banks po sa Pilipinas yung mga nagdedemanda talaga?
ReplyDelete@anonymous
Deletebanks filing for a sum of money case
bpi
citibank
bdo
rcbc
maybank
security bank
hsbc
big commercial banks not filing bp22 cases/estafa
for bouncing checks
Hello po, pwede po makahingi email address nyo may tatanong lang po
Delete@cherrylou2015@yahoo.com.ph
DeleteThis comment has been removed by a blog administrator.
ReplyDeleteHi mam Cherry/Banker… so someone atty emailed my colleagues and boss sa company informing na may utang daw ako sa isang cc but he did not mention, and asking for collaboration daw from them na makipah cooperate to inform me of my debt to pay. Nako pati boss ko naloka.. san ba daw nla nakuha ung mga email addresses namin and ng mga kasmaa ko.. may pa ethics2x pang nalalaman.. ang mali nya lng is, hindi na na edit ung RE(subject ng letter) ehich to mrs and mrs chuchu and is not for me.. nako mag eemail na nga lng TANGA PA! D muna chineck f walang butas ung email nya.. and @gmail l gamit using the attorneys name.. ahhaha nakakatawa pero may kaba unti.. buti n lng alam lahat ng officemates ko at ng boss ko ng nangyayre sa mga cc n yan. So Blocked and report spam ;) - MONSTER
ReplyDelete@monster, hi sorry to say but most of these kolektors are waley , they will not bother to check on their draft
Deletekaya ayan, mali name ng addressee n omg walang bank
hulaan mo daw 🤓🤔🧐
Oo nga mam cherry eh, ako na daw huhula kung anong bank daw un.. i think mam cherry this is a form of harrassment ang ginagawa nila, saan ba to pde ireport mam cherry? Under anong article nga po ung harrassment na to mam? Salamat po.- Monster
Delete@monster , hi i guess no need to complain with bsp
Deleteanyway , these crooks wont dwell on not so promising accts 🤗
if want mo magcomplain to ilaban mo
DeleteRA 10870 UNFAIR COLLECTION DEBT
BSP CRL 404
BSP CRL 702
if want mo magcomplain to ilaban mo
DeleteRA 10870 UNFAIR COLLECTION DEBT
BSP CRL 454
BSP CRL 702
Ibang level na, nakuha nila email address ng mga kateam mo? Baka po nalagay nyo silang character reference before? Napaisip ako paano nila nahagilao yung ganong info hehe
DeleteOTICE OF CANCELLATION OF AMNESTY: ATTN: Mr./Ms. DE GUZMAN : Despite several initiated AMNESTY OFFERS, you CONTINOUSLY and DELIBERATELY disregarded payment of your oustanding balance for your UNPAID EASTWESTBANK CREDIT CARD ending 0015 . Accordingly, you are advised to coordinate settlement of your FULL BALANCE of 225,050.12 which is currently endorsed to RGS Recovery Management represented by Atty. ROBERTO ULTADO. Expect notice pertaining to the VENUE of the RTC/MTC for the possible Case Filing/Litigation LITIGATIONs under SMALL CLAIMS COURT CASE, VIOLATION OF R. A. 8484, and CIVIL CASE for COLLECTION OF SUM OF MONEY (whichever is applicable) to counter-act abusive debtors as well. Your consistent and deliberate disregard for payment has qualified your account to be recommended for LITIGATIONs and OCULAR INSPECTION to your Residence and Place of Employment/Business. To avoid COSTLY LITIGATION, you are given a FINAL CHANCE until AUGUST 26, 2022 to REQUEST RE CONSIDERATION for the CANCELLED AMNESTY. Submit the needed requirements: UPDATED MOBILE NUMBER, COPY OF 1 VALID ID and SIGNED LETTER OF REQUEST TO VIBER and/or EMAIL and the PAYMENT RECEIPT of 18,100.00 . FOR THE PAYMENT INSTRUCTIONS: Ensure to deposit your payment directly to any EASTWESTBANK BRANCH on or before the due date. For other payment options (should be paid 2 days earlier before due date): ATM/BANCNET, ON-LINE PAYMENT, BDO, SM and GCASH For further assistance, call or email/send massage to VIBER: DEVORA PARAGGUA | dtparaggua@rgsrecovery.ph | (02)7719-6410 LOC 125 | 0966-7684311 | 961-4547551 | 8620 1723 loc 2894 MOBILE: 09395199827 You may request Certificate of Full Payment after 25-30 banking days from payment date. Send your request to ELNecor@eastwestbanker.com. Requests earlier than the turn around time will not be accommodated. Please disregard if payment/settlement has been made. PAYMENT WITHOUT SUBMITTED REQUIREMENTS is NOT VALID. Please DISREGARD if SETTLEMENT has been
ReplyDeleteHi Miss Cherrylou and banker. This is from EWB. Hindi ko pa kasi kayang bayaran kahit amnesty na binigay nila. Nagcacase filing po ba si EWB? Thankyouu.
@anonymous, hi no postings yet bout ewb filing for a case
Deleten pls ignore muna n focus on the needs of the family
fyi i have been getting emails from defaulters about rtc sending them emails that case been filed for estafa daw 🙀
sender prosecutor officer a certain lowyer with matching mobile no...alam na this para tawagan ni defaulter
kundi ba naman stupid ang sender why put a contact no 🤫
hello sino sender? si EWB mismo? or baka si kolektor yan LOL.
DeleteHi po! I received also the same message from EWB. Tapos last July, may tumawag sakin na taga "brgy" daw namin at pinakiusap ako sa isang "pulis" at may binigay saking no. At no. Daw yun ng isang Atty. Sinasabi nila na nasa court at for hearing na daw po yung acct ko sa ewb. Sobrang ayoko po kasing bayaran yung sinisingil sakin sa CC ko kasi nascam po yung CC ko na yun.
DeleteReceived the same email, wala talaga pinagbago ahahah nakk Delete. - Monster
DeleteGot same email same format.. also EWB. Cancellation of mnesty. Collection by RGS.. let me know what happened. Tomorrow is the due date.. been unemployed for a long time
DeleteBuhay na nman sila hahaha. Tatawag pag tinanong tungkol saan ayaw magsabi. Need to confirm daw ung name.
ReplyDeleteTinanong ko uli tungkol saan di daw dahil bawal daw mgdisclose at masama daw ba kung iconfirm ko kung sino ako. Sbi ko ikaw tumawag i reserve the right malaman tungol saan ito.
Tinaasan ako ng boses..edi bye
@anonymous, luh me ganun
Deleteyeah when u call , need to identify yourself first
sabi nila before para medyo mag isip si kolektor mas ok daw marunong mag english si defaulter
para ma nose bleed si kolektor 🤐
guess hirap mag isip ng words in english
he he i have tried that diskarte n it was a success ( am working in a british firm )
Had the same experience. SP called me earlier, nagpakilala at hinanap ako and asked to talk to me. I asked para saan ang call. Hindi daw sila pwede magdisclose kung hindi confirmed na ako yung hinahanap nila. I said you called my number then what is to confirm. They have to make sure na ako daw yung hinahanap nila. I repeated na you have my number what is this about? nagbalikan kami cguro mga twice pa before irritated voice na ni CA, masama ba iconfirm kung sino daw ako. I said wag mo ako tataasan ng boses at ikaw ang tumatawag sa akin. Biglang humina boses, nag adjust daw sya ng headset.
DeleteI said if you would not answer my question then have a great day. End of call.
I felt great kasi iba pala ang feeling if ikaw ang may control ng flow ng call. Hindi ka nila maumpisahan ng spiel or tricks nila. Hindi naman sa tinatakbuhan ko sila, I need to know para saan talaga. May mga tawag ako natatanggap na ako pinakokontak mga kakilala ko na gusto nilang makausap.
This site really is really a big help. Thank you everyone.
Pwede po ba silang ireklamo though knowing na alias lang din gamit ng mga CA? Maaksyunan po ba agad? May CA na po bang napatawan ng action sa ginagawa nila?
DeleteI know defaulter ako at may obligation to pay pero hindi naman ata tama na sobrang bastusan at pamamahiya na para lang sila makacollect ng pera.
Nakakrindi kasi, mahinahon mong kakausapin at pag wala kang mabigay na commitment akala mo amo mo ang kausap mo. Makikipagnegotiate pero terms nila, pag nagbgay ka ng terms mo na kaya, ang laki ng hinihinging down payment at biglaan pa, san ka kukuha ng malaking halaga in 2 weeks? Utang? Hindi ba endless cycle din.
Then sa barangay i-broadcast pa, sa mga kakilala sa social media ganun din.
Pag pumunta sa office, ang lakas ng boses ng messenger nila, hihiyain ka para lang maging maamong tupa ka sa gusto nila.
Pag sa phone akala mo ninakawan mo sila. Sinasagot mo naman ang tawag nila ng maayos.
Ilang beses na muntikan ko ng itapon phone ko sa kabwisitan. Kung hindi lang ako gagastos sa paayos ng phone...
Im planning po na magpunta ng Dubai, makakaalis po kaya ako ng pinas if may record ako ng unpaod credit cards?tska po d po kaya maka affect ung mga utang ko po sa paghahanap ko ng work dun, makahanap pa dn po kaya ako ng work dun? thank you po
ReplyDelete@anonymous, hi of course you can go to dubai as long as me sponsor, before madali daw to get a job but not sure kung ganun pa rin these days
Deletenow parang criminal case pag me defaulted cc or loan sa dubai (middle east countries )
know
good luck po
kaloka mga monyo - bgo CA ng UB ko 1 year default, pang ilang CA sila na humawak last time Molaer nag send draft ng complaint letter, pero natransfer din ulit sa ibang CA this time Ramiro naman nag send draft ng complaint letter copied ang collection ng UB copy ako ? nag rerecommend sila sa bank for filling ng case?
ReplyDelete@anonymous, haist draft of case to be filed 👀
Deletelumang scam
Hi everyone! Medyo kinakabahan po ako kasi nag apply ako ng visa, meron sa application na tanong, if my civil court judgment like non paying of debt.
ReplyDeleteDefulted account n po ako sa EWB, my mga collector na like prime alliance, from text nla sinasabi n my online filling case daw sila sakin, pero mas kinakabahan ako sa visa ko dahil my mga gnun na tanong pla.
@anonymous ...talaga ba 🤫 me online case filing na
Deleteno postings yet bout ewb filing for a case
sadyang me something with prime alliance 🥴
if indeed me case filed, one can still get a visa
i had a sum of money case in 2014 and was able to travel to europe for the holidays 🎄
good luck
hello. WALA PO ONLINE FILLING CASE. WALA PO COURT ONLINE HAHAHHAHAHAHAHA
DeleteMay mga nakilala ako dito na milyon ang utang pero nakaget ng visa at nasa ibang bansa naman... also wala pa nadedemanda si EWB. Ilan ba utang mo? milyon nga utang di nila denemanda ikaw pa ba? hahhahaha
Hi po, magtatanong po sana ako gusto ko pong magapply ng work pero iniisip ko po n baka po kapag sasahod na po ako biglang kunin nila yung laman ng ATM ko kaya nagaalangan po akong magapply baka magautodeduct sila sa ATM payroll ko po malaki po talaga yung credit card dept ko po dahil sa pandemic halos 8 banks po sya. Kaya po gusto ko pong malaman kung magautodeduct yung payroll if ever mahire ako.
ReplyDelete@anonymous, hi your acct will be subject to auto deduct only pag na tag or na identify ng defaulted bank
Deleteotherwise safe naman sya 😉
diskarte ay withdraw agad once credited wag na patagalin pa
DeleteGanun po balak ko gawin iwidraw agad kaya lang po baka meron silang autodeduct n pagpasok pa lang ng sahod kaltas n agad agad or buong sahod ko kunin nila dahil sa laki ng utang ko. BDO, BPI, Metrobank, Unionbank, RCBC, HSBC, Eastwest, yan po lahat ng credit card defaulted ko po. Kaya nanghihinayang ako magapply kung wala ding akong sasahurin. Thank you po sa pagreply.
DeleteHi po. Pag ma include na kayo sa mga blacklisted.
ReplyDeleteMa ba block din po ba yung other cards niyo ?
@anonymous, hi hindi po
Deleten there are times na khit defaulted na, wala pa rin sa blacklist
poss d nag report ang defaulted bank sa cic
- as confirmed by earlier posts
ReplyDeleteHi po Banker, need ko po ng advise at kung pwede kayong maka-usap. I am defaulter since 2018 yata with UB. I think my total debt without the so called "interest" and "late fees" is around 70,000. I have been paying before almost 10,000.00 a month but I was not able to sustain it. So I ignored all the collections attempts due lack of funds. Last year, UB credit management offered me a one time settlement of P100,000 because my debt balloned to 200,000 due to late fees and interest. At that time, wala pa akong pera so hindi ko kaya i-settle. This year i-nendorse nila sa isang Collections Agency ang utang ko. Dahil medyo may savings ako, I planned to pay it. I contacted them and told me na 200,000 na ang babayaran ko dahil 400,000 na daw utang ko. I haggled and negotiated. sabi ko willing ako sa 100,000 na old amount na inoffer sa akin last. ayaw, then said 180k daw 100% approve daw discount. I asked for official letter for the 180K. sabi daw papaapprove. I was preparing the money so i can settle one time. then bumalik sakin today, 180k daw dapat. nakakastress. grabe na anxiety namin mag-asawa. pwede po ba kayong maka-usap for advise how to handle this? I will post my number after this.
sorry pa edit - "200k daw dapat. nakakastress. " instead na ppaaprove 180k, hinihingi ulit is 200k.
Delete@in debt, hi pls ignore
Deletefor sure bloated na yung 400k kasi nasa kolektor
pero iba po kung sa soa mismo ni ubp
just wait for a sensible kolektor n if u have extra money
settle an amount na close to 70k 😉
Wag na bayaran
DeleteYaan mo sila
DeleteHi @In debt, I have multiple deliquent credit cards, kahit na endorsed sa CA, kung ano pa rin daw ung approved ni bank, un pa rin. Happened to my bdo, security bank, metrobank. For Unionbank naman, kausap ko mismo sa colllection ni bank, 250k nung nadefault ako, pero 400k pinapabayaran, one time or installment. Defaulted last 2020. I requested to waived ung lahat ng interest, but ung iba lang na approved. So malaki pa rin :(
DeleteHello po manghingi lang po advice on Bernales associates sila na daw po kasi may hawak ng MCC account ko. Ano po experience niyo from them? Nagbigay po kasi saken payment terms & need ko po magsettle first initial na 5k then 3k monthly installment for 1 year ung unpaid balance ko ang kaso po need ko daw po magsubmit ng photocopy of ID with 3 specimen signature at copy po ng payslip ko, ganun po ba tlg pag under resructuring na po ang account? OK naman po saken ung term of payment pasok na po sa budget ko. Medyo hesitant lang po ako magsubmit ng mga requirements na hinihingi nila.
ReplyDelete@anonymous yes normally you need to submit requirements
Deletebut before doing so
demand for updated endorsement letter from bank
agreement must be written n notarized
they need to assure you that u wl get the cert of full payment
n kaya nyo ma sustain ang amortization
Thank you Ms. Cherry wala po proper endorsement si MCC through email ung binigay po nila is informing me na endorse nila its either one of this CA then puro names na ng mga CA & their address. Ok naman po kausap ung representative nila un nga lang po gusto ko makasigurado na masusunod ung pinagusapan namen over the phone at no added interest na once nagstart na ako magbayad ng installment. Hingiin ko po lahat ng yan sa kanila if they are demanding requirements Maraming maraming salamat po.
DeleteHi! I received a summon about my RCBC card. 180k need isettle and ang nagfile is Cases Chun and Associates. Not sure if totoo ito na case and Balak ko makipagnegotiate if maganda sila kausap kaso dami palang negative feedback na nanghaharass sila. Any thoughts?
ReplyDelete@anonymous , cases is the bank's legal counsel
Deleteformerly the kolektor
if you negotiate just make sure na kaya nyong isustain
otherwise , tuloy po ang sum of money case 🤔
Hi po. Possible po ba ma-garnish ang savings sa mga government-owned banks like Landbank?
ReplyDelete@anonymous , pag me decided case for sum of money
Deleteyes po
n di nman po tatambay ang notice sa bank
Hello po sa mga may experience na..ask ko lng po kung ilang months ng delinquent bago magbigay ng amnesty ang bank? salamat po..
ReplyDelete@anonymous, hi wala pong timeline
Deletewith ewb siguro mga after 5 years ang the offer will be close to your defaulted amt 🤫
FINAL DEMAND TO SETTLE OUTSTANDING OBLIGATION is hereby served in behalf of our client, Security Bank Card, with regard to your delinquent SB CARD.
ReplyDeleteRecords 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 the 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 Aijey at 09086299431/ 09566977637, or send us an email at icpaulino@rgsrecovery.com.ph /
sbrecovery@rgsrecovery.ph
Please be guided accordingly,
Sincerely,
MR. IGNACIO C. PAULINO JR.
MANAGER
RGS Recovery Management & Collection Services
Prime Square Bldg., # 10 Anonas St., Brgy Quirino 3-A
Project 2 Quezon City, Philippines
Landline: 02 7196471
Mobile #: Globe 09454422754/ 09452646887 /09566977637
Smart 09396493214/ 09086299431
Confidentiality Notice: This e-mail and any attachment are confidential and may be privileged and are intended only for the authorized recipients of the sender. The information contained in this e-mail and any attachment(s) must not be published, copied, disclosed, or transmitted in any form to any person or entity unless expressly authorized by the sender. If you have received this e-mail in error you are requested to delete it immediately and advise the sender by return e-mail.
Nakareceived ko po to sa email. Nakailaan CA narin po si SB. Defaulter ng SB since 2021.
@anonymous, pls ignore
Deletesb will keep on endorsing your acct to their kolektors
n call ni bank if they wl ever file a case 😉
Received the same email from RGS, same with SB account. Delete po.
Delete@Worried,
DeleteAng RGS eh isa sa apat o limang agencies na authorized ng Security Bank, and sila ang pinaka hardcore.
Ang iba ay Cendana Neri, MBA, and GCCS.
Since you only defaulted last year, makulit pa yang mga yan, kaya you keep on getting messages.
I would not worry about it if I were you, but would be ready since SB files sum of money of cases depende sa amount. Just watch out for that.
@BrianSureWood Paano po ang diskarte kapag nag-file na ng sum of money case?
DeleteNasa 130 to 150k napo kasi andun na lahat ng penalty praying na di naman sila mag file ng case
Delete@anonymous,
DeleteKung nakapag-file na po ng sum of money case, make sure na mailipat nyo yung mga pera nyo sa ibang account, lalo na kung may savings kayo dun sa bank na nagfile.
For years bago ko po maayos ang finances ko, ang pera ko po ay nakadeposito sa account ng mother ko at ng kapatid ko.
Personally, kung makatanggap po kayo ng summons, at may balak at kakayahan na kayo magbayad ay pumunta kayo, at baka mapababa pa ang babayaran nyo.
Pwede din naman po kayo di pumunta kung wala pa pangbayad, pero prepare to transfer your money to people you trust.
@Worried,
At that amount, they might file a sum of money case, so get yourself ready.
Kung pupunta po kayo ng hearing, at magkakaroon kayo ng agreement para di muna matuloy ang kaso, pero di ka nakapagcomply, meron kang allowance na 3 to 4 months bago magkaroon ng hearing uli, para ituloy ang sum of money case.
By this time, kung meron kang pera, I suggest itransfer mo muna sa ibang bank account.
Magandang araw!Mrs ***, Gusto lang po namin iparating sa inyo na mayroon po kaming nareceived na sulat demanda na nanggaling sa UnionBank.Nakisuyo po kame na makipag coordinate kayo para ma clear natin itong pangalan mo,after 3days pag wala po kayong feedback sa amin possible for conciliation na po ito sa inyong Barangay.Salamat po
ReplyDeleteFrom RGS po. Legit po ba ito? Or threat?
@anonymous
Deletehi scam po yan
di concern ng barangay past due with banks
dumi diskarte lang si rgs 🙀
Nako wala naba pinagbago c RGS, ganyan dn draft saken sa UB eh hahaha kaloka sarap pghahampasin🤣
DeleteMam @cherrylou and banker
ReplyDeleteIf un repayment ng personal loan po thru pdc
Hindi na po nkkabayad
Pasok po ba sa BP22 /bouncing check law po? Makakasuhan po ba? ?Makukulong? Eastwest bank po
@anonymous
Deletebig commercial banks not filing bp22 cases
pwede pa with lending companies n utang na personal sa isang individual
hi, my defaulter dito na may utang sa PL sa EWB... hindi naman siya nakulong after 4 years being defaulter kung idemanda man siya ay itatapon nalang kasi prescriptive years lang sa PL ay 4years para idemanda
DeleteThanks Mam @cherry and @mr.kabado2..
Deletefollow up na tanong po
pero pasok po ba yun pagissue po ng check pra sa repayment ng personal loan sa BP 22 po.
yun po kasi lagi nila sinasabi na may subpoena po ang kaso ay BP22.
salamat po in advance po ulit
@anonymous, technically yes
Deletebut banks are not filing bp22 , if ever sum of money
n syempre po, the crooks will threaten u with estafa case
for the simple reason na pilitin kayong mag bayad as estafa is a criminal case 🧐
Mam @cherry ibig po sabihin sa banks are not filing is hindi po sila allowed magfile or simply po na hindi lang talaga sila nagfifile kahit malaki po yun amount na hindi nabayaran? Pasensya na po natatakot po ako kasi may issueng check baka po totohanin na magfile ng kaso nga po kung technically is pasok po sa BP22. Pasensya na po, sana maliwanagan po ako at masagot nyu po ulit ako. Maraming salamat po.
DeleteFINAL LEGAL NOTICE
ReplyDelete( CEBU CITY, CEBU, Municipal Trial Courts in Cities(MTCC), Branch 13 PRESIDING JUDGE: LIM-MONTECLAR, VIRGINIA VIVENCITA L. ADDRESS: Quimonda I.T. Center, Don Sergio Osmeña Ave., Reclamation Area, Cebu City, Cebu ) COMPLAINANT VERSUS RESPONDENT MR./MRS. : ----..Detailed address: --
We received a proper complaint against you wherein someone submitted a documents to file a case against you under: REPUBLIC ACT Article 315 to 318 : ESTAFA CASE #10623 under FRAUD with revised penal code of the Philippine Law SUBMITTED FAIL NOT UNDER PENALTY OF LAW{DESIGNATED JUDGE: DE LUNA, AMBROSIO BOLAÑO (Acting Presiding Judge)] NOTE:CHECK YOUR CASE FILED ALREADY:COMPLY YOUR FULL PAYMENT TODAY OR COMPLY TO DEPARTMENT OF JUSTICE OFFICE OF THE CITY PROSECUTOR MANILA /ADDRESS: Hall of Justice Building, DPWH Compound, Gen. Santos Ave., Lower Bicutan, Taguig City . . .We have authority to conduct a legal process and coordinate with your Regional Trial Court. We will send a court letter to your Barangay indicating that you need to face your court hearing on the date and time. One of your Barangay staff will serve the court letter and summon a letter to you. Call us today to have an out of court settlement. You only have until today August 20, 2022 before signing of our clerk to turn over our legal complaint to your Regional Trial Court for legal action. Please call us asap (0935-315-6965) for negotiation.
Note: IF AMICABLE SETTLEMENT OUTSIDE THE COURT, YOU MUST COORDINATE DIRECTLY TO THE COMPLAINANT. IF INSIDE THE COURT SETTLEMENT, YOU MUST GET YOUR OWN LAWYER TO DEFEND YOU.
Checked the names of the judges and legit sya. Yung address ng court office sa Cebu is also correct. Ano mangyayare if i dont show up? Wala pa talaga akong funds. Hirap na nga sa gamot. BDO defaulter.
@anonymous , pls ignore
Deletepag nasa court d po lalabas no ng pesteng kolektor
n kung san na file ang case
sila mag papadala sa yo ng summons via registered mail
no need to course thru sa cebu
notice me number to negotiate
he he 🙄
Hello po.
ReplyDeletePano po ba malaman ang legit na "Court Summon"?
May nareceive kasi akong email sa mga CA, i know best thing to do is to ignore them. They keep saying na they will ask the brgy to send me the court summon letter else they will proceed in filing the case. Also, they added to check on the case that they already filed.
Yung mga names ng attys and "acting judges" na iniinclude nila sa email is actually legit naman po and within regional trial court. so nalilito lang talaga ako.
I already changed my num kasi nawala yung phone ko. Pero yung email address is mahirap magpalit pa. What I usually do naman is when I receive their emails is binabasa ko lang and then ignore pero minsan di maiwasan kabahan sa mga emails na sinisend nila. I know it's their tactic to scare people to pay up.
A little enlightenment naman po, please?
thank you
@anonymous, hi pls ignore pag pinasok na si barangay
Deletealam na this 🤣
pesteng kolektor just trying to scam you
again, walang kinalaman si baranggay sa utang... DARE THEM TO SEE YOU IN YOUR BARANGGAY. Many already scammed in that tactics at the end hindi naman pumunta, why? kasi alam nila yun.
Deletehi banker and sa lahat ng nandito sa group na to. tanong ko lang po magkano po dapat ang icocompute regarding sa settlement? gusto ko na kasi bayaran paisa isa ang utang ko. may mga amnesty offer na.. from 400k 250k nlng.. gusto ko sana i tawaran pa.. paano kaya masasabing ito na yung pinaka mababa at last na pwede ioffer? thank you po
ReplyDeletewalang magkano... depende sa bait ng bank at gaano kadesperado si collector. my friend defaulted 200k sa EWB and nabayran niya ang ay 5k to settle.... why? kasi mabait si bank
DeleteHi, depende sa policy ng bank. May bank na kung anong amount nadefault ka, yun bibigay nilang offer. Like nadefault ka sa 280k, naging 390K due to charges and interest,. Ooffer nila 280k to close, kung one time payment pwede 250k. Depende sa policy nila. Kahit si CA kausap mo, kay bank pa rin approval ng amount.
DeleteHi po.. i just if u have loaned at pagibig and ur account was issued by pagibig via unionbank, and defaulted ako duun, will they hold po ba my loan proceeds if ever? Thanks po
ReplyDelete@anonymous , hi nope po
Deleteas your ubp atm is issued solely for proceeds of pag ibig loans
that is bawal.
Deletehi mr. kabado? ilang years ung sa friend mo sa EWB nadefault bago siya nakipag negotiate at mafully paid?
Delete5years po defaulted and settled 5k only out of 200k.
Deletemaraming salamat.
Deleteafter ilang years po nagfa-file ng case ng sum of money ang RCBC? and sino ang nagfa-file? ang bank ba or collector? nagpadala kase saken ng letter ung Alexis Molaer na kesyo wag ko daw ibenta mga ari-arian ko at wag magwiwithdraw ng savings, salaries at wages.. 2020 ako na default eh. nung kasagsagan na ng pandemic. Salamat po.
ReplyDelete@anonymous, hi no timeline
Deleteas per my experience defaulted amt of 100 k in 2014 n had the case within a year
just ignore molaer
just their style of sending the demand letter
wl just edit name, defaulted amt etc
paladesisyon and molaer HAHAHAHHAHAHA
DeleteSalamat po sa response Ms. Cherry ❤️❤️ Actually struggle pa rin talaga ako sa finances. And ung utang na lumubo sa RCBC ay hindi ko talaga utang. Mga naki-ride lang na di na nakabayad dahil sa pandemic. Tinigil ko na mag-isip dahil nauuwi lang sa pagbalik ng depression ko.
Delete@Mr. Kabado2 - Oo nga po eh. Tinapon ko ung letter tapos binasa ko ulet kasi nag contemplate ako sa sum of money case kaya napatanong tuloy ako. Hehe.
Hello po nag fa file po ba ng case si Bank of commerce, na offeran po kasi ako before ng restructuring since na default ako pero this year hindi ko na talaga kayang mag monthly nasa 6 months na ata akong di nakakabayad eh may pinasignature sila sa akin na promissory note. This month si ACSI collecting agency nila email ng email, ang principal ko po is 30k lang yung di ko na payment sa monthly mas mababa na diyan. Ma fa filan po kaya nila ako ng case? Ito po ung sample email nila sa akin natatakot po kasi ako.
DeleteGood day, Ma'am/Sir. This is to inform you that your unpaid balance in your account in BANK OF COMMERCE PHILS. is subject for recommendation to file action as BREACH OF CONTRACT(UNDER YOUR TERMS AND CONDITION) under R.A. No. 386 (CIVIL CODE OF THE PHILIPPINES - ART. 1159). And your NAME shall be possible forwarded in CREDIT INFORMATION CORPORATION (CIC). Settle your account at any Bank of Commerce branch, BDO, GCASH and 7-ELEVEN to improve your Loan standing. Consider this as your last chance.
@anonymous, hi no postings yet bout bank of commerce filing a case
Deleteso focus po muna sa needs ng family 😉
Need advise. Nakakuha po ako ng ganitong email
ReplyDeleteFrom baguio branch pa nakalagay.
Dear Sir/Madam,
It has been several months since we last communicated with you regarding the settlement of your account. However, we have yet to receive any payment from you. We reiterate that as of this date your account totals PHP xxx,xxx.xx
Perhaps you do not understand the gravity of your situation. We would like to remind you that Republic Act No. 8484, the law that governs the issuance and use of credit cards, imposes severe criminal (up to 10 years imprisonment) and/or civil penalties (minimum of Ten Thousand Pesos in damages) for credit fraud.
The act of evading payment of credit card debts is already deemed fraudulent and hence punishable under said law. In this connection, we ready to file the necessary complaint should your credit card account remain unpaid.
We highly recommend that you immediately contact our office upon receipts of this letter should you not wish that the civil and criminal penalties under RA 8484 be imposed upon you for possible credit card fraud. Your receipt of this letter coupled with your subsequent non-reply will result in the immediate filling of the Complaint.
Please do not take this matter lightly.
DELETE AND DEADMA po. matagal ng pananakot yan..
Deletedare them to see you in the court.
This comment has been removed by a blog administrator.
ReplyDeletei receive an email the body is stated below: is this a scam?
ReplyDeleteknowing naman po na wala ako mga properties.
We hope that you fully understand the risk of being served with
SUMMONS and COMPLAINTS to appear in court without further notice.
We strongly advise you "NOT TO DISPOSE, SELL, or TRANSFER your real
and personal properties" we should be otherwise officially listed down by the Court Sheriff.
WRIT OF PRELIMINARY ATTACHMENT WILL BE ISSUED BY THE COURT
AND WILL SERVE AS SOON AS POSSIBLE.
You have 24 hours to prepare your Legal Defense.
For the full details you can contact CUSTODIO GROUP OF COMPANIES at
+639 7557 0247,+639 2616 94634 and look for ATTY. ABELARDO CUSTODIO.
Awaiting your response.
--
Aiza De Guzman
Custodio Group of Companies
35/F W Bldg. 32nd St. 5th Avenue,Bonifacio Global City Taguig City
@anonymous, pls ignore
Deletethe usual scare tactics ng mga kolektor 😎
delete and deadma po... paulit ulit mga pananakot nila and we never learn from them.
DeleteBakit nilalagyan po nila ng criminal case or imprisonment kala ko po civil case lang pag unpaid cc...
ReplyDeleteDear Mr/Ms. Xxxxxxxxxxxxx
This shall serve as a FINAL DEMAND for and on behalf of our client, Metrobank, regarding your outstanding credit card obligation. Please settle in full your outstanding arrears amounting to PHP 596,943.41 inclusive of applicable interest, charges, and other fees on or before August 26, 2022.
We will be compelled to recommend our client to take appropriate legal action to protect its interest if you still fail to heed this just and valid demand. Such actions may include the filing of criminal case with penalty of imprisonment and/or civil case with prayer for attachment of your property, as the case may be, in order to recover your unpaid account with interest and penalties, litigation expenses and attorney’s fees, without further notice and delay.
Your account remains unsettled despite repeated demands and numerous opportunities given for you to settle the above-mentioned obligation with our client. Make an immediate arrangement with us to avoid costly and cumbersome litigation.
Call us now at 0977-2649584 / 0968-7184260 and look for MR. JC SALANDANAN to make arrangements for the immediate settlement of your account.
Note: Kindly disregard this email if you have an arrangement or
settlement of your account.
so naniwala ka porket nilagyan nila? HAHAHHAHAHAHAH
DeleteKakainin ka ng takot mo ng mga defaulter.... nilalagyan nila niyan kasi akala nila matatakot nila mga defaulter kagaya mo nagworry ka agad. Milyon nga may utang dito hindi nakulong ikaw pa ba...
delete and deadma.
@mam cherrylou pwede po ba tumawag?
ReplyDelete@anonymous , sure pls give me your number n wl request banker to expect your call
DeleteGanyan dn po dumating skin na letter. Umg last na letter for recommendation to file case na daw. 1 yr defaulter ng rcbc 48k.. wla p rn po kasi pansettle sa hrap po ng buhay ngayon. Willing to settle nMan pg okay na da financial. Slamt po.
ReplyDelete@anonymous, hi crooks cannot recommend bank to file a case n i think you're safe with rcbc
Deletejust deal with the bank pag me extra budget
48k is not kademademanda so far...
Deletei received an sms.
ReplyDeleteGood Day Mr./Ms. Cardholder, This is from bankers Institute of the Philippines (BAIPHIL), we would like to inform you that your present address, was scheduled for property evaluation, together with Brgy assistance, please cooperate properly to avoid commotion. Goodluck!
Above sms was sent in all caps :D
out of curiosity, i googled BAIPHIL and they're supporting the banking industry through continuous education.
So much redflags sa sms but still want to get some inputs from the groups. Anyone na naka tanggap ng same sms?
PS Parang gusto ko na agad magpa standby ng tanod sa harap ng bahay dahil mukhang may pagbabantang mag iskandalo ang text
HI BOBO Kasi si kolektor akala niya matatakot niya mga defaulter.
DeleteWALA PO SILA karapatan para mag property evaluation. KOLEKTOR sila!!! also walang kinalaman ang baranggay diyan wala naman any court order. Once pumunta diyan magdadala lang ng letter kapag nag inaso hanapan mo ng legal documents tapos ikaw tumawag ng baranggay swindling yan.
i just did ignore. curious lang ako sa BAIPHIL. this is the first time na narinig ko sila and ginamit sila nga mga to just to collect.
Delete@Marcylao32022, hi you're right crooks just trying to pull your leg
ReplyDeletenahirapan mag konek ng kolektor huh 🤣
yaan mo sila
ReplyDeleteHi po I receive from ultado a demand letter po kaso yung credit card number is Mali naman, yung defaulted amount ko na daw kay RCBC is halos 90k pero ang limit ko lang po is 55k 1 year na po akong defaulted possible po kaya na ma filan na po nila ako ng case? Salamat po
ReplyDelete@anonymous, luh ultado talaga 🤨
ReplyDeletecall ni bank if they want to file a case for big or small accounts
like filing a case will mean extra expenses for them 🤔
parang buffet yan. lugi lahat. pero ugn mga baboy panalo
ReplyDeletethey wont file.. kasi they will find the next idiot who willing to pay 45% interest
ReplyDeleteMam Cherry, parang forever ata akomg magbabayad ng 500., kahit can afford ko pero parang too good to be true.
ReplyDeleteMa'am this is from monitoring departmemt of your citibank account para matulungan kita to avail amnesty program you can settle 500 monthly to settle @citibank,bdo,online banking,sm payment,and gcash under your card from outstanding balance 206,778.43 for monthly settle only 149,000 for 500 monthly until you fully settle by the way this is Mr. Leo Hermono Ang May Handle Ng Account U Ma'am Thank You
@anonymous, ay nice
Deletenapaka formal ng offer huh 🙉
yes am afraid na you will forever pay 500 for the rest of your life , there must be a written agreement in the first place
monitoring department 🤔🤫🤭
Good day! Due to deafening silence and non payment on your Security Bank Mastercard, pursuing of possible court suit, especially Civil Complaint for Sum of Money with Prayer for Writ of Preliminary Attachment and AFFIDAVIT- COMPLAINT for violation under RA-8484 or Defrauding of Creditors. Hence, if you are still willing to settle extra-judicially, pls coordinate ASAP.
ReplyDeleteKulit po ni RGS. Puro pananakot.
Ignore nalang po ba pag ganito?
Delete@anonymous , yeah dare their bluff
Deletecall ni defaulted bank if they want to file a case for small or big amounts
Hello po ganyan din po nareceived ko na text from RGS hawak po nila RCBC accounts ko. Sa sobrang lobo ng account ko hindi ko na alam kung papanu mababayaran since sakto lang income ko for our living expenses. Sanay tumigil na sila sa pananakot
Delete@anonymous, hi kolektors will only stop pestering defaulters if we let them know na we also have our basic rights, sabi nga ni banker " to never let the crooks control our life "
Deletethe more you talk to collectors, the more they pester you. Better don't answer the phone and hang up if it is a collector. Leave the phone off the hook. Deliquent ka ng 3months they pester you, after awhile the calls get less and less.
DeletePag di natin alam ang batas, matataranta ka na. Chill lang. I received this today. Sobrang budol. Legit ang name ng lawyer. SANDOVAL, ANGELO R.; Pasig City; June 2, 2017; Roll No. 70131. I am thinking of filing appropriate case against him. Sobrang misrepresentation. Mga CA crooks talaga. Hahaha
ReplyDelete"We received a paid ad "NOTICE TO THE PUBLIC" against MR./MRS. XXXXX. dragging the name of XXXX. Indicating that there is a pending case violation of ARTICLE-318 OF THE REVISED PENAL CODE/ R.A 8484 Access Device. We noticed that it will bring negative publicity against you in line with our mandate of protecting the interest of member newspaper organizations and promoting ethical standards in the profession.
In granting the same, may we request that you coordinate with the advertiser's representative of said advertisement to be shown for three (3) consecutive Sundays in a newspaper and paid by a certain ATTY. ANGELO R. SANDOVAL.
Note: This is avoidable.
We recognize the duty to air the other side and the duty to correct substantive errors promptly.
Sincerely yours,
JIMMY A. CANTOR
(DEPUTY) EDITOR IN CHIEF
Freq: Daily
Address: Leyland Building, 20th corner Railroad Street,
Port Area, Manila, Metro Manila, Philippines
Mobile: (+63) 0928 950 8341
TEL #: (02) 8-707-1096
Email: malayanewspaper@gmail.com
@sonnix haven Did you receive this as the employer?
Delete@sonnix haven , wow super budol yan ha 🤓 imagine jimmy cantor the editor/aka the kolektor bothered to email you, you must be pretty special 🤩
ReplyDeletecheapest way to harass defaulters would be to send them endless sms, emails, demand letter via snail mail 🐌
Tama Ma'am Cherry. gmail pa ginamit na email. Hahaha. Gusto ko nang patulan pati to si Atty. Sandoval. Baka previous employer ko ang kakaso sa file. Hahaha. Mag 3 years na walang work. Hehehe
Delete@sonnix haven haist funny talaga mga kolektors
Deletehave a good n safe weekend 😉
Hello po sa lahat. Received another pananakot from Moola Lending:
ReplyDeleteAsk lang po ano maganda gawin kasi last time I checked nasa 10,400 lang ito. Hindi ko sila nirereplyan since 2018 sine ang nahiram ko alnf is 3k that time.
Good day! This is from (LEGAL and PROCESSING DEPT). Your MOOLA LENDING delinquent account is now endorsed to us for possible legal actions.Civil Case (SUM OF MONEY/SMALL CLAIMS). We will personally VISIT your home/Office/Barangay address to conduct ocular and property checking which will be scheduled anytime. Please do not wait for a Complaint to be filed in court. Once filed, rest assured that we will seek the immediate issuance of SUMMONS in court against you without further notice. No response upon receipt of this message will mean our charge is valid and we will proceed filing of case including bank garnishing and property checking.
for inquiries: 0956-867-2527- and look for Ms.Yoshi Fernandez
HELLO po... 10k is not kadema demanda.... ganyan talaga mga online lending.
Deleteso ito may narecieved ako txt.
ReplyDeleteSMALL CLAIMS vs name ko We are concern of your continous refusal to the NOTICE that we raised, In view of this matter you are now required to pay the outstanding DEBT within 1 day. FAILURE to do may result hassle/ tremendously inconvenience especially on your part we will file the case at METROPOLITAN TRIAL COURT next week! We are giving you this LAST OPPORTUNITY TO SETTLE THIS MATTER AMICABLY TO AVOID COURT PROCEDURE AND EMBARASSMENT ATTENDANCE OF COURT HEARINGS.
may paganito not sure kung anu bank..ginoo sila.. 😁
natawa ako sa CA hahhahahahha
DeleteMay nabasa po ako online na narevoke daw un parang license ni Moola 2019 pa dahil nga daw po sa data privacy act breach not sure po if totoo and legal pa sila mag operate at maningil despite mga pananakot nla na gnyan sa email
ReplyDeletehi po sa inyong lahat. share ko lang kahapon nag email ang sp madrid na meron daw promo amnesty, then nag response ako if magkano, remaining balance ko daw sa hsbc ay 58k para daw magkaroon ako ng certificate ng full payment need ko daw magbayad nalang ng 15K , kaya nag reply ulit ako na i dont have enough money to pay, nag response ulit sila na 6k nalang daw since wala nga akong pera nag try ako na baka pde 3k nalang, ito ang sagot nila.
ReplyDeleteWe have read your concern , but the lowest amount we could offer is 3,700 until today (August 24,2022) under exceptional approval.
Please take note anything below 3,700 accounts will not be closed.
Worried ako sa word nilang UNDER EXCEPTIONAL APPROVAL. baka mauwi sa wala yung 3700.00 ko
kainis mga collector d b.
@anonymous, yeah mahilig lang mag quote ang kolektor ng kung anu ano 😼
Deletenow if kaya mag settle
demand for the updated demand letter
offer for 3700 must be written n approved by the bank
and demand for the cert of full payment
thanks for reply ms. cherry since kaya ko mag settle ng 3700 para ma closed na nag pay na din ako based sa email nila re assured naman na once mag pay ako bibigyan nila ako ng Cert of Full payment for 15-30days working....hindi ko na naantay reply mo kahapon hehehe. Maraming salamat sa iyo Ms. Cherry Banker... Edward at sa mga nagbibigay ng payo malaking tulong itong blog na ito sa mga tulad kong hindi na maka bayad ng utang sa cc dahil mga hindi inaasahang problema sa financial.
Delete@anonymous, most welcome n yes as long as backed up by a written agreement n properly endorsed si kolektor , i think you're good
Delete-a defaulter emailed me na the kolektor offered her a repayment na verbal lang n paid 50k na pinaghirapan nya to put up...ayun she is facing a sum of money case n really cursing the pesteng kolektor 😤
Wow ang laki ng discounted amount from 58k to 3 700 n lng...ilang yrs kamg defaulted diyan sa hsbc?
DeleteMam , sir uso pa ba na mang harras thru telephone landline sa office ang mga kolektor up to the extent na sisiraan nila ako sa mga officemates ko? if so ano po violation ang ginagawa nila based po sa batas? thank you ahead sa pag reply. God bless po
ReplyDelete@jga, hi sorry to tell you that these kolektors believe in this stupid idea that they need to harass defaulters to make them pay n aral po sila mismo ng mga lowyers who have hired them
ReplyDeleteso what can you expect
if you've got time, send an email complain to bsp (consumeraffairs@bsp.gov.ph)
cc agency ni kolektor n defaulted bank
ah sige po mam, alam ko na ang gagawin ko..maraming salamat po. more power!
ReplyDelete@jga most welcome po n safe weekend 🤗
DeleteNeed po advice. Sb defaulter po ako ng personal loan. May pumunta sa bahay demand letter.
ReplyDeletePinareceive sa akin tapos may maliit na note na positive na dito sa barangay nga namin nakatira ako. Tas may work daw ako. Hindi ko alam pano nalaman. 121k ang amount sa letter. Tas parang nagpicture sya sa akin ng patago. Pregnant po ako now at ang sahod q wala na rin ako natatangap kasi may kaltas na rin. Basic needs lang kaya namin talaga dahil kapos pa rin. Magsettle naman ako pag makaluwag luwag. Bumalik na naman stress ko dahil dito. Any advice po. Maraming salamat po.
@anonymous, hi normal process po what the kolektor did n kalma lang po
Deletecall ni bank ang filing of case n no big deal
bawal po ang stress n have a safe delivery 🙏🏻🙏🏻🙏🏻
Salamat maam cherry. Worried po ako baka kasi pumunta sa workplace ko at baka kung ano ano ang sabihin at nakakahiya doon.
ReplyDelete@anonymous, hi in my time i would talk to the messenger of the kolektor sa me lobby, mhirap na baka mag maganda 🥴
Deleten would just receive n sign the letter n off he goes
it's office hours so i would make him understand that n will always make it a point na di ako ma harass ni messenger 😉
unahan lang nman sa ganyang scenario
Get used to it na.. sa side ko naman lage silang nagpupunta pero sinasabihan na ng kasama ko na wala dito.. and pinapaalis na agad. Minsan ako pa nakakaharap nila and i am telling them wala yang taong hinahanap nyo.. haha masanay ka n po.
DeleteGood afternoon po.
ReplyDeleteAng pnb po ba nagdedamanda?
Sobra dn makapaningil itong kolektor na ito.
As in sa office ntwag na. Tapos nagbabanta pupunta na dw sila sa company na pinapasukan ko now.
Hi good morning Madam (name) isince hinde po kayo interested to settle your account to PNB, endorse po namin ito sa Law Office for legal action & mag Occular Visit po sila dyan sa office ninyo/house. Thank you
@stressme, hi no postings yet bout pnb filing a case
Deleteno big deal bout the office bwisits as long as you will not allow the crooks na i harass ka
remember don't ever let the crooks to control your life 😼
Good afternoon po.
ReplyDeleteSino po nakaranas dito ng kolektor ng Housing loan sa pag ibig, as makulit sila maningil namimilit na gawan na ng paraan kung hindi eforeclose na nila house ko.
Sa aeon credit ko ganun din magpumiit maningil at magvisit na sila dw sa work/house ko.
Sa ngayon po talaga wala pa ako sapat na pambayad 😔🥲
@stressme, hi most of the kolektors are makulit , years ago foreclosing will take a looooong time n madalas the old owner will get the house pa rin
Deleteparang ino auction ba ang term 🤔
or try to go personally to the pag ibig office handling your account n understand these are the options available
arrears less than 50 k pwede 3 months ang term
above 50k 6 months
100% full condonation of penalties if you will pay one time
or reconstruction (5% on arrears , psos 1k processing fee n adv insurance )
just see baka me option na doable sa inyo 🙏🏻🙏🏻🙏🏻
with aeon hayaan mo muna
@banker or @ms cherrylou - Has anyone heard from Salipsip Law Firm? May tumawag daw sa akin today, nasagot ng kapatid ko. How are they as a collection group?
ReplyDelete@anonymous, hi have not heard about salipsip
ReplyDeleten no worries whether nice or rude sila just learn how to deal with them 😉