He is usually a high school graduate who earns his living on a no-collect ; no-commission basis, employing mainly: 1. Pretense ( lawyer/police/NBI,whatever) 2. Harassment 3. Blackmail 4. Extortion 5. Swindling which are all CRIMINAL OFFENSES just in case you don't know yet
Chapter II Ways of Contacting You
1. Demand letters 1.a. Receive them. No big deal. You can even sign it front and back or left to right. 1.b Do not open. There are no good news there anyway, only lies. tapon
2.Text Messages Para iwas stress, simply press 'delete'
3.Calls 3.a) Take the call. It can't kill you anyway. 3.b) Do not argue, plead or explain, so that the call will not take long. 3.c) "According to my lawyer, sa court na lang daw natin pag-usapan ito" 3.d) Stick to that line. simplify your answers to "yes" or "no" 3.e) Remember this sound - "click" 3.f) Huwag ma-pikon. " Tama ka" is standard reply para SIYA ang ma-pikon.
Chapter III The Lies Collectors Tell
The first lie is his name. That is not the collector's real name. So, why would you believe anything he says afterwards?
1.Court Case They won't ; they don't ; they can't Why would they'd be called "collectors" in the first place!
2.Imprisonment Failure to pay means you promised, but did not fulfill it. Its found under "Obligations and Contracts" of the Civil Code, not in the Revised Penal Code, hence, not a criminal act. This also applies to debts abroad like UEA.
3.Amnesty and Promos Show me first the documents that he is legally allowed by the bank to do so before I believe him.
4.Travel Ban You are not a criminal, what gives?
5.Getting Your Properties/Assets/Money/Salary May court decision na ba? Meron ka bang condo/Ferrari/Time deposits? Plain robbery
6.Publishing Your Face Have you ever seen one in a newspaper?
7.Warrants of Arrest/ BP 22/ RA 8484/ PNP/NBI/CIDG/INTERPOL These words imply "imprisonment" ; now go back and read again if you missed anything.
Chapter IV Threats and Blackmails - Visits
1. Office 2. Home 3. Barangay
What for, Eskadalo? ano ba usually ginagawa ng isang tao pag may mag-eskadalo sa kanya? yun din ang gawin mo! Tip : A list of criminal offenses you can file against collectors is found here: http://failuretopaycreditcard.blogspot.com/2010/11/matapang-na-collector.html
Chapter V How To Pay
1. Go to the bank personally 2. Ask for an updated Statement of Account 3. Review and request for waiver or reduction of charges 4. If there is an agreement, document it ; the start paying If there is no agreement ( referred only to collectors), wait for the court, if ever it will come. 5.The process will simply repeat again from steps 1 - 4
Chapter VI Worst Case Scenario
If the bank is serious in collecting from you, matagal ka na dapat pina-tawag sa court.
Even if the bank files a thousand cases, if you have no condo, ferrari or time deposit, THE END
Chapter VII The Five Golden Rules
1. If you cannot pay, don't 2. Prioritize you need, not their greed 3. Disregard, delete, dedma. 4. Don't let them control your life, it's your life anyway 5. Dare their bluffs ; just for laughs? (I forgot the last one. honest. ha..ha..ha..)
Chapter VIII Lessons Learned
1. Debt is a humbling, not a humiliating experience. 2. Forget the debt, not the lessons. Then reflect on this : Parable Of The Ten Lepers
Hello po please enlighten me, sobrang nakaka stress naðŸ˜ðŸ˜ž
Our client, RCBC Bankard’s, has referred to us for appropriate legal action your obligation under the subject account which, as of January 16, 2023 has already amounted to Php 110,608.175
Our records show that despite repeated oral and written demands, you deliberately refused to settle the said obligation in violation of (DEFRAUDING OF CREDITORS) if the evidences warrant, and or CIVILLY CHARGE YOU for COLLECTION OF SUM OF MONEY WITH PRAYER FOR ATTACHMENT before the Courts of Pasig, if legally warranted, in order that you may be penalized with imprisonment including the recovery of legal costs and an additional of twenty five (25%) attorney’s fees, without further notice and delay.
Totoo po bang pwedeng makulong dahil sa utang sa credit card, ano po pwede ko gawin? Please po. Pa help, pa share po ng pwede kong gawin, salamat po ng marami sa sasagot.
Hello ANON, Did you already back read and read everything here? if NOT, kaya ka nastress..
may nabalitaan ka na ba ng milyon ang utang sa cc ay nakulong? WALA WALA WALA. Marami dito milyon ang utang ay nakapag ibang bansa... you are overthinking kasi naniwala ka... yes pwede ka kasuhan pero just CIVIL CASE.
Hello po di ko alam if may naka experience na dito, last 2021 po kasi nag undergo ako ng restructuring for my BOC cc 30k po siya may pinapirna po sa akin na promissory note unfortunately last year di ko na kinaya yung monthly payment. Possible po ba na ma filan ako ng case dahil sa na signan kong promissory note? And nag fa file po si BOC? And si SB po ba swertehan lang po ma filan ng case?
Ano po ang summon for publication?nakakita ako sa spam mail ko?asking lang na magprovide ako ng reason bakit ndi nila i publish sa dyaryo ang name ko and name ng company ko. No other details mo.
@Arns hi pls ignore Lumang scam na po ng kolektor Besides walang budget for publication Khit sa tabloid Cheapest way is to send u emails, txt messages, demand letters thru snail mail N siguro cheapest courier para me proof of delivery 😬
mr.kabado may tumawag sa akin taga angcor daw sila. at sila daw ang naghahandle ng rcbc bankard defaulted account ko bale nag offer daw ng amnesty si rcbc anung proof ba ang kailangan kong hanapin para malaman kong legit sila thanks
Dto po sa item #5 namention po kasi ung ferrari. Wala po akong ferrari pero meron ako toyota inova model 2017 pero fully paid na. Sa case ko ko po kc personal loan default sa rural bank since 2018 pa nadefault
5.Getting Your Properties/Assets/Money/Salary May court decision na ba? Meron ka bang condo/Ferrari/Time deposits? Plain robbery
hello po. bank go only for deposit... once my decided case ka na ay gagawin ng sheriff magpapadala ng letter sa lahat ng bank at icheck nila kung may tinatago ka.. end.
@Mr. Kabado Kinabahan rin ako dyan haha walang Ferrari I have 2 condos naman. Wala kasi akong mahanap na bibili at barya lang mag "sacrifice sale" sobrang kulang for my debts kaya pinaupahan ko na muna to help me save money. Mag 2 yrs na kong defaulter at di ko alam if may nag kaso na sa akin kasi iniwanan ko na yung address kung nasan lahat pumupunta ang mga sulat... walaDi rin kasi enough yung value nung mga condo para sa utang ko huhu may case na ba dito na nagarnish ang real estate properties? Dun ako napaparanoid now :(
Puzzled-7108 Nabasa ko mga post dito since 2015... wala pa ako nababsa na nagkaroon ng garnishment sa mga properties... yung kay Prism Blue last time payroll ang dinali ng sheriff at tangang Landbank Manager yung worst cases na nabasa ko...
Slamat po sa pagclarify. Buti nmn safe po ang aking car. First car ko po kc un at ky sentimal value. Nung time po kc mgdefault ako yan lang ang tinira ko sa mga hulugan ko which is fully paid na ngayon. Lahat po ng ibang real properties ko na hulugan binenta ko at that time :)
Sa ewb po ba may nabalitaan na po kayo na filan ng case po? Umabot na po ng 300k daw yung need ko ipayment pero ang principal ko is 130k pero hindi po lahat na consume.
Hello humble question lang po, pano po kung may car loan ako patapos na pero sa financing bank EW wala nman ako defaulted. Sa ibang banks meron. Ma hold po ba mortgage ko non?
In line with our mandate of protecting the interest of members may we inform you that a pending "NOTICE TO THE PUBLIC" advertisement under the name was requested for our prior conciliation.
In granting the same, may we request that you coordinate with the advertiser’s representative and show cause, oral or written, why both parties would no longer pursue the publication of said advertisement to be shown for three (3) consecutive Sundays in a newspaper of general circulation.
ADVERTISER INFORMATION:
Name: PRIVATE SECTOR
Subject: In relation to E.O. 573
Kindly submit compliance with this order Two (2) days from receipt hereof to defer any publication which may affect your person.
Oo nga sir I was back reading naman sa 1st post which includes publication such as news paper and this is the 1st time after two years may natangap ako ganyan so totoo nga they even use such papanako pa din like this one. Be aware nalang din po sa mga makaka basa nito. God bless us all. Thank you mr. Kabado2
Mrkabado constantino & associates Collector agency pa ba or legal law office po? Nagpunta ksi sa house pero hnd ko sila nakausap. Nakausap ko lng sa phone then nag aask ng 60k deposit para sa debt ko then the rest installment sa 265k. Hnd p din ksi stable finances ko . Ano po ba magandang gwin?
Thanks sa info sir. Nagsb sya ng agteement namin though nag aask ako ng program for installment nagoffer ng 30k sa feb 4 then 30k sa 28 snb ko na hnd ko kaya bayaran . Hnd b taken against me un about sa agreement n bngay nia ksi snb ko na mana na hnd ko kaya issettle or itry ko pero not sure pa
they can say what ever they want kwento nila yun e hahahaha surrender asset walang ganun sa court decision.. sige bigay mo ung asset mo na electricfan at tv HAHAHAHHA
no need na kumuha ng lawyer kasi talo talaga tayo.. pero as always decision, pay when able..
Criminal case daw ksi ifile sken by being fraud. In view of your refusal to settle your account with our client Credit Card Association Of The Philippines, now withstanding repeated demands, we will proceed immediately with the filing of the COURT CASE against you for violation of Article 318 Deceit case REPUBLIC ACT 8484(Fraud). We are just waiting for the signed COMPLAINT AFFIDAVIT from our client, a sample copy of which is hereto attached for your reference. Once signed, it will be filed in the Court of Makati City. Please take note that a CRIMINAL CASE will definitely embarrass and jeopardize you aside from putting you at risk for IMPRISONMENT. It will also tarnish your record at the National Bureau of Investigation (NBI).
Ano po b advise nio mrkabado sa email na send sken about criminal case need ko pa po ba magreponse don about fraud or just ignore n lng. Naginform nmn ako n magsettle ako if ok na finances ko
Tumawag po sa barangay Police Major po dw ng isang District Police sabi doon na meron po dw ako court order, tawgn ko dw po ung c Police Major asap. nung tinawgan ko sabi nya may nagsampa po dw saakin ng kaso. Atty. _____. nung tumawag po ako ky atty un nalaman ko po na sa cc po pala dun. bayaran ko daw with in d day otherwise push na dw ang complain. wat will i do?
Hello po. Hoping na mapansin. Meron akong personal loan sa CTBC bank and issued 30 checks. Unfunded po yung check and wala akong pambayad. 😔 ang kumakausap pa sakin is yung bank and sabi idadaan daw nila sa legal action. Nasstress nako 😔 preggy ako ngayon. 26k po per check
hello.. issued checks ay wala po sa BP22. Issued check ay to facilitate payment walang deceit doon.. may mga same case ka dito sa CTBC loan some of them are already in 4years hindi naman nademanda ni CTBC.
Hello po. Anopo Yung CTBC bank? I also have personal loan Security bank. 7k per check unfunded dunang cheke. Overdue na Ng 3 weeks. Banks has been calling. 6 months left Ang 1 yr to pay. Totoo Po bang bouncing cheque Ang case na ganito? Dun Po may nakukulong diba? Di ko na Po kayang bayaran. Ty in advance Po sir.
Good day Po salahat. What about SLoan ni shopee? Have you heard of that? Inooffer ni shopee if good standing Ang account. Malaki din Ang amount. Grabe din Yung interest niya. Makakasuhan kaya ako dito or same lang sa credit card? Laki na kase utang ko dun huhuhu. Ty po
@Mr.Kabado2 Hello po received letter from EWB. Medyo naworried lang po kasi 1st time maka received ganito letter. Malaki na discount pero di padin kaya isettle willing to settle naman once okay na finances. Salamat po EASTWESTBANK 191,748.73 UNPAID CREDIT CARD BALANCE and RETRACTED 66% (65,800.00) DISCOUNTED FULL PAYMENT and RECOMMENDATION FOR LITIGATION (CIVIL/CRIMINAL CASE) OR SETTLE THE OFFER UNTIL FEBRUARY 21, 2023 ONLY Further, please be advised that the Bank has to recommend your account for possible Case Filing (CIVIL and/or CRIMINAL Case) thru LITIGATION to DEMAND FULL PAYMENT of the TOTAL OUSTANDNG BALANCE WITHOUT DISCOUNT. For your reference: RA 10870 refers to the “Philippine Credit Card Industry Regulation Law’ it is a Policy of the State to ‘foster the development of the credit card industry’, also taking into consideration the debtor’s liability to comply under the ‘fair and sound consumer credit practices’ and ‘to ensure the vibrancy and gtowth of the credit card industry. Mr. MELVIN NUNEZ | menunez@rgsrecovery.ph cc: MASaladino@eastwestbanker.com |(02)8620-1723 LOC 2856 | (02)7719-6410 LOC 125 | 0906-5701265 | 0961-3012721 VIBER
Hello po @mr.kabado2, 1st time po makareceived ganito email. Naworried naman po ako bigla kung totoo po ba ang ganito. Salamat po EASTWESTBANK 191,748.73 UNPAID CREDIT CARD BALANCE and RETRACTED 66% (65,800.00) DISCOUNTED FULL PAYMENT and RECOMMENDATION FOR LITIGATION (CIVIL/CRIMINAL CASE) OR SETTLE THE OFFER UNTIL FEBRUARY 21, 2023 ONLY Further, please be advised that the Bank has to recommend your account for possible Case Filing (CIVIL and/or CRIMINAL Case) thru LITIGATION to DEMAND FULL PAYMENT of the TOTAL OUSTANDNG BALANCE WITHOUT DISCOUNT. For your reference: RA 10870 refers to the “Philippine Credit Card Industry Regulation Law’ it is a Policy of the State to ‘foster the development of the credit card industry’, also taking into consideration the debtor’s liability to comply under the ‘fair and sound consumer credit practices’ and ‘to ensure the vibrancy and growth of the credit card industry’ Mr. MELVIN NUNEZ | menunez@rgsrecovery.ph cc: MASaladino@eastwestbanker.com |(02)8620-1723 LOC 2856 | (02)7719-6410 LOC 125 | 0906-5701265 | 0961-3012721 VIBER
Hello po. Gano napo katagal Ang unpaid spay nyo? Lagi Po ba sila tumatawag? Ang ano sinasabi nyo pag naniningil? I regret getting Sloan Malaki din Po kase Ang amt 500k
Good day po, may dumating po sakin na sulat Alexis Molaer Law Office kapag di dw po ako nakabayad ipupush na dw po ang civil case sakin ng RCBC na client nila, na stress napo tlga ko anu po kaya ang gagawin ko?
it's nice to know that some are willing to pay a thousand pesos for their card debts but was not able to help fund the Diskarteng Piso for just P10.00 ? hahahaha...
just got this from 09xxxxxxx8545: "Hello banker, kelan po bang start ng 1 peso drive natin ulit. gusto ko po sana,,, life changer po tlga ang tulong mo kaya nag-iisip xxxx paano maka give back xxx reply: "salamat po sa gesture although it was already terminated for lack of interests."
hope you are doing just great Banker. baka pwede natin i-revive to. many will benefit from this given that the crooks are very active these days. God bless you po.
Diskarteng Piso was cancelled because of lack of interest of most defaulters to fund it. It could have been used to send load to "pranings" for them to call me or I can call them. it would have needed one call. sayang.... anyway, I'm now in Bali enjoying my retirement. hahahaha.
Wow, good for you Banker. you deserve that. schedule tayo ng face to face gathering pag may vacant sked ka. We can help organize it with Mr.Kabado2, Mr.Kabado1, BrianSureWood, Lacus, and of course with Ms. Cherry. Enjoy your vacation po.
@sonnixx haven - I now charge consultation fee! ( two jollibee burgers per session for the street children actually w/c I have long neglected.) kung marami lang, if not, it's for my lunch/dinner. lol!
Hahaha….I had enough of those people whom we helped, then simply disappears, maybe thinking “saying yung P10.00 for Diskarteng Piso”, not realizing mas SAYANG yung binayad nila sa bank dahil na SCAM lang sila ni kolektor. I’m already happy that I was able to help people like you. God bless.
Good evening po. Ask lang po Does anyone here po knows or heard Col Lt Carlos Catakutan from collection agencies. Hopefully po my mgreply. Was being threatend po, tumawag sa brgy namin looking for me and i lock daw po ang bahay namin between march 3-6. Sana po may makasgot dito pra po sana alam ko gagwin ko. Thanks po.
Nasagot na to sa newest thread. Wala kang gagawin. Talo ka na ba sa case at na-garnish bahay mo? Kung di naman naka pangalan sayo ang bahay, huwag kang mag alala. Pag may pumunta sa bahay nyo, at mag harass na ipa-lockdown bahay mo, tawag ka ng police. Hahaha.
Alam ko po kung naka pangalan lang sa iyo na may utang. Pero kung yan tinitirhan mo hindi pwede, ano yun sa kalsada ka patirahin? Plus mahabang proseso yun kung properties, kaya sa pera sa banks ang talagang hinahanap nila.
Hello, meron po ako unpaid balance sa Citi Personal Loan worth 100k Di pa kasama Interest. Mag 3 months na po ako di nakakabayad kahit minimum due. Also sa Citi Credit Card ko may mga unpaid PAY LITE INSTALLMENTS ako due to unfortunate circumstances di pa ako or Di ko pa ito kaya bayaran.
Tanong ko po is :
Yung CA ba ng CITI Bank ay terror like nagpapameet sa barangay, nag tetext blast sa contacts, pupunta sa office etc. Nakaka hiya man pero baka Di ko po kayanin ang kahihiyan kung kaya ko lang talaga sana bayaran agad ggwin ko naman nasstress na po ako pls help I need advise po
Hello po. Question lang po pede bang habulin at pagbayarin ang supplementary card holder ko sa default bdo cc ko. My daughter is my supplementary, umabot na sa 800k, yun po ang limit ko lumaki sya kasi puro minimum payments lang ang nababayaran ko, so napuno sya kasi sa interest. Good payer po ko before, but sad to say nahirapan sa pagbabayad simula nung nagpandemic. Possible po ba na mahold ang bdo savings accnt ng daughter ko? Nagwoworry lang po ko kasi pinaghirapan ng anak ko ung savings nya. Maraming salamat po sa pagsagot
Thank you po. Ung account po ng anak ko na supplementary ko, bdo din po. bdo cc defaulted po ko. Possible po ba na maapektuhan in the future ang supplementary ko? Ung savings po ba possible din na magarnish
Hi po @mr. Kabado2 ask lang po ung s akin i received a call and tx msgs from brgy. My antipolo pnp daw po s brgy bineverify ako pinpapunta ako ng brgy. Ang ginawa ko kinausap ko nlang po thru phone sabi ko regarding po saan sabi po ni kgwad kausapin ko daw ung police kinausap ko po pinasa ni kagawad ung phone dun f police tapos my binigay lang po s akin number twagan ko daw po para maayos head office daw atty ni eastwest bank tinwagan ko po around 106k n daw po ung account ko s ews since 2020 d ko n po kasi tlga un nbyaran nasa 12k lang po yta un ngayon 106k na for sheriff na daw po ung account ko kasi nkapagfile n daw po sila ng case para daw po matpos pinag byad ako ng 32k sabi ko d ko pa po talga kaya kasi wala nman po ako work 12yrs ko po inalagaan ung account ko tapos 2020 po hindi ko n talga nabyaran which is small amount nman po arount 12k to 20 k lets say 20k gnun ngayon nasa 106k na d nman po ako makpagwork din because of my health condition na din and ung 12yrs na employer ko wala n nagsarado n po ung company nmin .... Totoo po b un nag papasheriff si eastwest bank ATTY. Manuel Abad po ung nkausap ko senior atty daw po sya ni eastwest bank head office po
Hello everyone! Ako po si ms independent.. Kabilaan dn po yung naging credit card debt ko po.. Start ng miniumun due ko Lang na byaran hanggang sa di ko na Kaya po ngaun byaran po ang minimum due pinakamalaki ko pong utang is 70k plus sa metro Bank ito nalang nbyaran ko ng minimum due kasi ito nlang Kaya ko pong byaran si metro bank - eastwest mga 50 k po, rcbc po mga 40k po.,hsbc po 30k plus..bpi po 4k. Nawalan po ako ng work and nagkaroon ng health problem anak ko po na need ko bantayn lagi po, kakahospital Lang dn po anak ko..nagpadala napo demand letter si rcbc, twice ngpdala napocollection agency ni hsbc.. Kanina po may parang pumunta na brangay official po dito kasama ang guard ng condo namin pero di nman po ako ang hnhnap daw.. Ung condo po namin nkapngalan sa amin ng asawa ko pero principal buyer po si asawa ko at hindi po ako.. Possible po ba nila kunin ang condo namin kahit Yun Lang po ang ng isang bhay na tinitirhan namin. At possible dn po ba ako mpatawag sa branagy po dahil sa utang ko po? I'm trying tlga po na mkkhnap ng work ulit since okay nman po anak ko now nkalabas napo sa hospital.. At aminado po ako Nawalan ako ng control po nung past few months sa finances ko po.. And gsto ko po byran lahat po ng debts ko po. Slmat ng mrami po
May nakarecieve na ba dito ng Execution? Civil case from BPI. PAY sum of amount P288k PLUS 6% per annum finance charge, 6% per annumlate payment charge from default date, 6% legal interest per annum until fully paid and 10k attorneys fee and cost of suit. Legit kaya to?
anybody here sent Diskarteng Piso project the P1.00 for load of defaulters?
ReplyDeletewala na po yun...
DeleteWow. welcome back miss cherrylou.
ReplyDeleteIngat ka po banker kung asan ka man ngayon. sana po enjoy ka lagi
sa lahat, laban lang lagi and dasal lang po.
@kabado 2
DeleteThanks n wl join you guys soon 🥰
-cherrylou
Chapter I Meet Mr. Collector
ReplyDeleteHe is usually a high school graduate who earns his living
on a no-collect ; no-commission basis, employing mainly:
1. Pretense ( lawyer/police/NBI,whatever)
2. Harassment
3. Blackmail
4. Extortion
5. Swindling
which are all CRIMINAL OFFENSES just in case you don't know yet
Chapter II Ways of Contacting You
1. Demand letters
1.a. Receive them. No big deal. You can even sign it front and back or left to right.
1.b Do not open. There are no good news there anyway, only lies. tapon
2.Text Messages
Para iwas stress, simply press 'delete'
3.Calls
3.a) Take the call. It can't kill you anyway.
3.b) Do not argue, plead or explain, so that the call will not take long.
3.c) "According to my lawyer, sa court na lang daw natin pag-usapan ito"
3.d) Stick to that line. simplify your answers to "yes" or "no"
3.e) Remember this sound - "click"
3.f) Huwag ma-pikon. " Tama ka" is standard reply para SIYA ang ma-pikon.
Chapter III The Lies Collectors Tell
The first lie is his name.
That is not the collector's real name.
So, why would you believe anything he says afterwards?
1.Court Case
They won't ; they don't ; they can't
Why would they'd be called "collectors" in the first place!
2.Imprisonment
Failure to pay means you promised, but did not fulfill it.
Its found under "Obligations and Contracts" of the Civil Code,
not in the Revised Penal Code, hence, not a criminal act.
This also applies to debts abroad like UEA.
3.Amnesty and Promos
Show me first the documents that he is legally allowed by the bank to do so
before I believe him.
4.Travel Ban
You are not a criminal, what gives?
5.Getting Your Properties/Assets/Money/Salary
May court decision na ba?
Meron ka bang condo/Ferrari/Time deposits?
Plain robbery
6.Publishing Your Face
Have you ever seen one in a newspaper?
7.Warrants of Arrest/ BP 22/ RA 8484/ PNP/NBI/CIDG/INTERPOL
These words imply "imprisonment" ; now go back and read again if you missed anything.
Chapter IV Threats and Blackmails - Visits
1. Office
2. Home
3. Barangay
What for, Eskadalo?
ano ba usually ginagawa ng isang tao pag may mag-eskadalo sa kanya?
yun din ang gawin mo!
Tip :
A list of criminal offenses you can file against collectors is found here:
http://failuretopaycreditcard.blogspot.com/2010/11/matapang-na-collector.html
Chapter V How To Pay
1. Go to the bank personally
2. Ask for an updated Statement of Account
3. Review and request for waiver or reduction of charges
4. If there is an agreement, document it ; the start paying
If there is no agreement ( referred only to collectors),
wait for the court, if ever it will come.
5.The process will simply repeat again from steps 1 - 4
Chapter VI Worst Case Scenario
If the bank is serious in collecting from you,
matagal ka na dapat pina-tawag sa court.
Even if the bank files a thousand cases,
if you have no condo, ferrari or time deposit,
THE END
Chapter VII The Five Golden Rules
1. If you cannot pay, don't
2. Prioritize you need, not their greed
3. Disregard, delete, dedma.
4. Don't let them control your life, it's your life anyway
5. Dare their bluffs ; just for laughs?
(I forgot the last one. honest. ha..ha..ha..)
Chapter VIII Lessons Learned
1. Debt is a humbling, not a humiliating experience.
2. Forget the debt, not the lessons.
Then reflect on this :
Parable Of The Ten Lepers
How about po if my car ako let say toyota. And ngfile sa court. Magiging subject po ba un sa garnishment?
Deletehello Grace, bank only go for bank account... kung di mo pa bayad ay ihohold ni bank ang mortgage
DeleteHousing from PAG-IBIG loan is exempted?
Deleteyes po di kasama PAG-IBIG
DeleteHow about payroll po sa same account na may default cc ka do they garnish it po?
DeleteHello po please enlighten me, sobrang nakaka stress naðŸ˜ðŸ˜ž
ReplyDeleteOur client, RCBC Bankard’s, has referred to us for appropriate legal action your obligation under the subject account which, as of January 16, 2023 has already amounted to Php 110,608.175
Our records show that despite repeated oral and written demands, you deliberately refused to settle the said obligation in violation of (DEFRAUDING OF CREDITORS) if the evidences warrant, and or CIVILLY CHARGE YOU for COLLECTION OF SUM OF MONEY WITH PRAYER FOR ATTACHMENT before the Courts of Pasig, if legally warranted, in order that you may be penalized with imprisonment including the recovery of legal costs and an additional of twenty five (25%) attorney’s fees, without further notice and delay.
Totoo po bang pwedeng makulong dahil sa utang sa credit card, ano po pwede ko gawin? Please po. Pa help, pa share po ng pwede kong gawin, salamat po ng marami sa sasagot.
Hello ANON, Did you already back read and read everything here? if NOT, kaya ka nastress..
Deletemay nabalitaan ka na ba ng milyon ang utang sa cc ay nakulong? WALA WALA WALA. Marami dito milyon ang utang ay nakapag ibang bansa... you are overthinking kasi naniwala ka... yes pwede ka kasuhan pero just CIVIL CASE.
Hello po, anu ba mangyayare kapag nakasuhan ng Civil caseðŸ˜
Deletehello po ANON, may google po u can search what is civil case... hehe
DeleteCIVIL CASE IS JUST ANNULMENT CASE... Kahit may civil case ka pwede ka mangibang bansa at makakuha ng NBI. so stop overthinking...
Hello po di ko alam if may naka experience na dito, last 2021 po kasi nag undergo ako ng restructuring for my BOC cc 30k po siya may pinapirna po sa akin na promissory note unfortunately last year di ko na kinaya yung monthly payment. Possible po ba na ma filan ako ng case dahil sa na signan kong promissory note? And nag fa file po si BOC? And si SB po ba swertehan lang po ma filan ng case?
ReplyDeletehello.. that is under civil case ung agreement..
Deletein SB, depende sa bank.. swertehan talaga... may post dto dati 50k default amount nademanda sa RCBC,,, Ung 200k di naman nademanda...
Ano po ang summon for publication?nakakita ako sa spam mail ko?asking lang na magprovide ako ng reason bakit ndi nila i publish sa dyaryo ang name ko and name ng company ko. No other details mo.
ReplyDeletehello.. walang defaulter nilalagay sa dyaryo. lumang pangloloko na po yan ng mga CA... 2023 na wag na po maniwala sa mga ganyan...
Delete@Arns hi pls ignore
DeleteLumang scam na po ng kolektor
Besides walang budget for publication
Khit sa tabloid
Cheapest way is to send u emails, txt messages, demand letters thru snail mail
N siguro cheapest courier para me proof of delivery 😬
Did the Law Office send a draft letter of the case before being filed to RTC? Has anyone experienced Unionbank filing a case?
ReplyDeletethat is a BLUFF... KOLEKTOR po sila... bank filed a case not the CA.
Deletemr.kabado may tumawag sa akin taga angcor daw sila. at sila daw ang naghahandle ng rcbc bankard defaulted account ko bale nag offer daw ng amnesty si rcbc anung proof ba ang kailangan kong hanapin para malaman kong legit sila thanks
ReplyDeleteget a legal documents based from BSP CIRCULAR 702.
Delete1. Referral code,
2. Endorsement letter from bank
3. Updated SOA
4. 2 valid ID
@mr.kabado
ReplyDeleteDto po sa item #5 namention po kasi ung ferrari. Wala po akong ferrari pero meron ako toyota inova model 2017 pero fully paid na. Sa case ko ko po kc personal loan default sa rural bank since 2018 pa nadefault
5.Getting Your Properties/Assets/Money/Salary
May court decision na ba?
Meron ka bang condo/Ferrari/Time deposits?
Plain robbery
hello po. bank go only for deposit... once my decided case ka na ay gagawin ng sheriff magpapadala ng letter sa lahat ng bank at icheck nila kung may tinatago ka.. end.
Delete@Mr. Kabado Kinabahan rin ako dyan haha walang Ferrari I have 2 condos naman. Wala kasi akong mahanap na bibili at barya lang mag "sacrifice sale" sobrang kulang for my debts kaya pinaupahan ko na muna to help me save money. Mag 2 yrs na kong defaulter at di ko alam if may nag kaso na sa akin kasi iniwanan ko na yung address kung nasan lahat pumupunta ang mga sulat... walaDi rin kasi enough yung value nung mga condo para sa utang ko huhu may case na ba dito na nagarnish ang real estate properties? Dun ako napaparanoid now :(
DeletePuzzled-7108
DeleteNabasa ko mga post dito since 2015... wala pa ako nababsa na nagkaroon ng garnishment sa mga properties... yung kay Prism Blue last time payroll ang dinali ng sheriff at tangang Landbank Manager yung worst cases na nabasa ko...
@mr kabado
ReplyDeleteSlamat po sa pagclarify. Buti nmn safe po ang aking car. First car ko po kc un at ky sentimal value. Nung time po kc mgdefault ako yan lang ang tinira ko sa mga hulugan ko which is fully paid na ngayon. Lahat po ng ibang real properties ko na hulugan binenta ko at that time :)
Sa ewb po ba may nabalitaan na po kayo na filan ng case po? Umabot na po ng 300k daw yung need ko ipayment pero ang principal ko is 130k pero hindi po lahat na consume.
ReplyDeleteso far si EWB mabait sa mga bank since nagbbgay sila ng huge discount... no posting na nagsampa na sila ng kaso sa defaulter
DeleteAsk ko po if may condo ka kukunin nila as payment?
ReplyDeletethey only go for bank account
DeleteSorry, kasama ba yung digital platform sa pdeng igarnish if ever like CIMB and GCash?
ReplyDeletewala pa napopost dito na kasama sila sa ganishment if ever... pero as per banker ay mostly mga bank sa head office
DeleteHello humble question lang po, pano po kung may car loan ako patapos na pero sa financing bank EW wala nman ako defaulted. Sa ibang banks meron. Ma hold po ba mortgage ko non?
ReplyDeletehindi po.
DeleteThank you Mr Kabado2 for replying sa question ko.
DeleteMr. Kabado2
ReplyDeleteMay Statute of Limitations ba sa paniningil ng utang sa credit cards?
10YEARS po... if the bank is seryoso matagal ng nagdemanda yan... after 5years napatawad ka na ng bank ONLY CA ang naghahabol kasi sayang naman
DeleteMay natangap po ako ganito email
ReplyDeleteGreetings!
In line with our mandate of protecting the interest of members may we inform you that a pending "NOTICE TO THE PUBLIC" advertisement under the name was requested for our prior conciliation.
In granting the same, may we request that you coordinate with the advertiser’s representative and show cause, oral or written, why both parties would no longer pursue the publication of said advertisement to be shown for three (3) consecutive Sundays in a newspaper of general circulation.
ADVERTISER INFORMATION:
Name: PRIVATE SECTOR
Subject: In relation to E.O. 573
Kindly submit compliance with this order Two (2) days from receipt hereof to defer any publication which may affect your person.
THAT IS BULLSHIT. IGNORE AND DEADMA. KUNG MATAPANG KA PATULAN MO SABIHIN MO OKAY GO HAHAHHAHA
DeletePure pananakot at pure katangahan ni CA.
Wla pa po defaulter nalalagay sa dyaryo
Oo nga sir I was back reading naman sa 1st post which includes publication such as news paper and this is the 1st time after two years may natangap ako ganyan so totoo nga they even use such papanako pa din like this one. Be aware nalang din po sa mga makaka basa nito. God bless us all. Thank you mr. Kabado2
DeleteGanyan na ganyan ang email sa akin. Summon for publishing nakalagay.pati name ng company ko kasama
DeleteMrkabado constantino & associates Collector agency pa ba or legal law office po? Nagpunta ksi sa house pero hnd ko sila nakausap. Nakausap ko lng sa phone then nag aask ng 60k deposit para sa debt ko then the rest installment sa 265k. Hnd p din ksi stable finances ko . Ano po ba magandang gwin?
ReplyDeletekolektor po yan...
Deleteask for legal documents based from BSP CIRCULAR 702...
-endorsement letter from the bank
-id
-referral code
Thanks sa info sir. Nagsb sya ng agteement namin though nag aask ako ng program for installment nagoffer ng 30k sa feb 4 then 30k sa 28 snb ko na hnd ko kaya bayaran . Hnd b taken against me un about sa agreement n bngay nia ksi snb ko na mana na hnd ko kaya issettle or itry ko pero not sure pa
DeleteThen sb nia wag daw ako tutulad sa isa nilang client n nafile ng case tas mas magastos daw kumuha ng abogando tas surrender asset nia.
Deletehindi namn against sayo yun pero para sa kanila against sayo HAHAHHAHA.
Deletethey can say what ever they want kwento nila yun e hahahaha surrender asset walang ganun sa court decision.. sige bigay mo ung asset mo na electricfan at tv HAHAHAHHA
Deleteno need na kumuha ng lawyer kasi talo talaga tayo.. pero as always decision, pay when able..
Criminal case daw ksi ifile sken by being fraud. In view of your refusal to settle your account with our client Credit Card Association Of The Philippines, now withstanding repeated demands, we will proceed immediately with the filing of the COURT CASE against you for violation of Article 318 Deceit case REPUBLIC ACT 8484(Fraud). We are just waiting for the signed COMPLAINT AFFIDAVIT from our client, a sample copy of which is hereto attached for your reference. Once signed, it will be filed in the Court of Makati City. Please take note that a CRIMINAL CASE will definitely embarrass and jeopardize you aside from putting you at risk for IMPRISONMENT. It will also tarnish your record at the National Bureau of Investigation (NBI).
ReplyDeletelumang pananakot na po yan... received same content last 2020 at 2023 na po ngayon HAHAHAHHA..
DeleteNBI? Utang is civil case not criminal case.
Ignore ko n lng sir hnd nmn ako fraud. Card ko nmn ung ginamit bkt jila ako ifipr ng criminal case
ReplyDeletealam ng CA na kaya ka takutin at paniwalain kaya yan gagamitin sayo para iharass ka at magbayad
DeleteAno po b advise nio mrkabado sa email na send sken about criminal case need ko pa po ba magreponse don about fraud or just ignore n lng. Naginform nmn ako n magsettle ako if ok na finances ko
ReplyDeleteHAHAHHAHA katulad po ng sabi ko WAG MANIWALA SA MGA CA. Being defaulter is emotional game... milyon nga utang fraud ba un? hahahhaha
DeleteTumawag po sa barangay Police Major po dw ng isang District Police sabi doon na meron po dw ako court order, tawgn ko dw po ung c Police Major asap. nung tinawgan ko sabi nya may nagsampa po dw saakin ng kaso. Atty. _____. nung tumawag po ako ky atty un nalaman ko po na sa cc po pala dun. bayaran ko daw with in d day otherwise push na dw ang complain. wat will i do?
ReplyDeleteget the name of atty... get his roll number and check sa website ng supreme court..
DeleteSCAM PO YAN. MATAGAL NG PANANAKOT YAN.
sir after po ba sa collector agent saan na nmn ba pinoforward? to another collector agent po ba? ang collectors po ba ang nagfafile ng case?sorry po
DeleteYES Pasahan sila ng ibat ibang agent... BANK FILED A CASE NOT THE CA
Deletepwd lang po ba hnd sa collector makipgdeal sa payment? pwd lngpo ba mgbayad khit hnd nil alam?tnx
ReplyDeletebawat bayad po need ng communication sa bank kasi masasayang lang yan
DeleteMay tumawag sa akin sp madrid daw asking me to verify my birthday sobra ko sa inis pinagsakan ko yun phone. Tumaas nmn anxiety ko.
ReplyDeleteAng ginagawa ko pag ganito, sarcasm na agad. "ikaw ba, anong birthday mo? ikaw ang tumawag, then ako pa i-hassle mo to verify." hahaha
DeleteHello po. Hoping na mapansin. Meron akong personal loan sa CTBC bank and issued 30 checks. Unfunded po yung check and wala akong pambayad. 😔 ang kumakausap pa sakin is yung bank and sabi idadaan daw nila sa legal action. Nasstress nako 😔 preggy ako ngayon. 26k po per check
ReplyDeletehello.. issued checks ay wala po sa BP22. Issued check ay to facilitate payment walang deceit doon..
Deletemay mga same case ka dito sa CTBC loan some of them are already in 4years hindi naman nademanda ni CTBC.
Hello po. Anopo Yung CTBC bank? I also have personal loan Security bank. 7k per check unfunded dunang cheke. Overdue na Ng 3 weeks. Banks has been calling. 6 months left Ang 1 yr to pay. Totoo Po bang bouncing cheque Ang case na ganito? Dun Po may nakukulong diba? Di ko na Po kayang bayaran. Ty in advance Po sir.
ReplyDeletehello. CTBC ay bank po.
DeleteNo posted here na nademanda ng bank sa Personal loan
issued cheke ay to facilitate payment walang deceit doon. hindi po un bp22
Good day Po salahat. What about SLoan ni shopee? Have you heard of that? Inooffer ni shopee if good standing Ang account. Malaki din Ang amount. Grabe din Yung interest niya. Makakasuhan kaya ako dito or same lang sa credit card? Laki na kase utang ko dun huhuhu. Ty po
ReplyDelete@Mr.Kabado2 Hello po received letter from EWB. Medyo naworried lang po kasi 1st time maka received ganito letter. Malaki na discount pero di padin kaya isettle willing to settle naman once okay na finances. Salamat po
ReplyDeleteEASTWESTBANK 191,748.73 UNPAID CREDIT CARD BALANCE and RETRACTED 66% (65,800.00) DISCOUNTED FULL PAYMENT and RECOMMENDATION FOR LITIGATION (CIVIL/CRIMINAL CASE) OR SETTLE THE OFFER UNTIL FEBRUARY 21, 2023 ONLY
Further, please be advised that the Bank has to recommend your account for possible Case Filing (CIVIL and/or CRIMINAL Case) thru LITIGATION to DEMAND FULL PAYMENT of the TOTAL OUSTANDNG BALANCE WITHOUT DISCOUNT. For your reference: RA 10870 refers to the “Philippine Credit Card Industry Regulation Law’ it is a Policy of the State to ‘foster the development of the credit card industry’, also taking into consideration the debtor’s liability to comply under the ‘fair and sound consumer credit practices’ and ‘to ensure the vibrancy and gtowth of the credit card industry.
Mr. MELVIN NUNEZ | menunez@rgsrecovery.ph cc: MASaladino@eastwestbanker.com |(02)8620-1723 LOC 2856 | (02)7719-6410 LOC 125 | 0906-5701265 | 0961-3012721 VIBER
Hello po @mr.kabado2,
ReplyDelete1st time po makareceived ganito email. Naworried naman po ako bigla kung totoo po ba ang ganito. Salamat po
EASTWESTBANK 191,748.73 UNPAID CREDIT CARD BALANCE and RETRACTED 66% (65,800.00) DISCOUNTED FULL PAYMENT and RECOMMENDATION FOR LITIGATION (CIVIL/CRIMINAL CASE) OR SETTLE THE OFFER UNTIL FEBRUARY 21, 2023 ONLY
Further, please be advised that the Bank has to recommend your account for possible Case Filing (CIVIL and/or CRIMINAL Case) thru LITIGATION to DEMAND FULL PAYMENT of the TOTAL OUSTANDNG BALANCE WITHOUT DISCOUNT. For your reference: RA 10870 refers to the “Philippine Credit Card Industry Regulation Law’ it is a Policy of the State to ‘foster the development of the credit card industry’, also taking into consideration the debtor’s liability to comply under the ‘fair and sound consumer credit practices’ and ‘to ensure the vibrancy and growth of the credit card industry’
Mr. MELVIN NUNEZ | menunez@rgsrecovery.ph cc: MASaladino@eastwestbanker.com |(02)8620-1723 LOC 2856 | (02)7719-6410 LOC 125 | 0906-5701265 | 0961-3012721 VIBER
Same ako din may balance sa Spay. Same napunta din sa mga C.A. so palagay ko same as credit cards. Like un mga loan sa homecredit at gloan etc.
ReplyDeleteHello po. Gano napo katagal Ang unpaid spay nyo? Lagi Po ba sila tumatawag? Ang ano sinasabi nyo pag naniningil? I regret getting Sloan Malaki din Po kase Ang amt 500k
ReplyDeleteGood day po, may dumating po sakin na sulat Alexis Molaer Law Office kapag di dw po ako nakabayad ipupush na dw po ang civil case sakin ng RCBC na client nila, na stress napo tlga ko anu po kaya ang gagawin ko?
ReplyDeleteHayaan nyo nalang pong mag file Ng case. Saken almost million pag combine iba ibang bank Po.
ReplyDeleteit's nice to know that some are willing to pay a thousand pesos for their card debts but was not able to help fund the Diskarteng Piso for just P10.00 ? hahahaha...
ReplyDeletejust got this from 09xxxxxxx8545:
ReplyDelete"Hello banker, kelan po bang start ng 1 peso drive natin ulit. gusto ko po sana,,, life changer po tlga ang tulong mo kaya nag-iisip xxxx paano maka give back xxx
reply:
"salamat po sa gesture although it was already terminated for lack of interests."
hope you are doing just great Banker. baka pwede natin i-revive to. many will benefit from this given that the crooks are very active these days. God bless you po.
DeleteDiskarteng Piso was cancelled because of lack of interest of most defaulters to fund it. It could have been used to send load to "pranings" for them to call me or I can call them. it would have needed one call. sayang....
Deleteanyway, I'm now in Bali enjoying my retirement. hahahaha.
Wow, good for you Banker. you deserve that. schedule tayo ng face to face gathering pag may vacant sked ka. We can help organize it with Mr.Kabado2, Mr.Kabado1, BrianSureWood, Lacus, and of course with Ms. Cherry. Enjoy your vacation po.
ReplyDeleteEnjoy you're vacation Banker and stay safe always..
ReplyDelete@sonnixx haven - I now charge consultation fee! ( two jollibee burgers per session for the street children actually w/c I have long neglected.) kung marami lang, if not, it's for my lunch/dinner. lol!
ReplyDeleteLet us do this @banker. Sagot ko na pang burgers. Hehehe. Hope to see you soon po. God bless.
DeleteHahaha….I had enough of those people whom we helped, then simply disappears, maybe thinking “saying yung P10.00 for Diskarteng Piso”, not realizing mas SAYANG yung binayad nila sa bank dahil na SCAM lang sila ni kolektor.
DeleteI’m already happy that I was able to help people like you. God bless.
Good evening po. Ask lang po Does anyone here po knows or heard
ReplyDeleteCol Lt Carlos Catakutan from collection agencies. Hopefully po my mgreply. Was being threatend po, tumawag sa brgy namin looking for me and i lock daw po ang bahay namin between march 3-6. Sana po may makasgot dito pra po sana alam ko gagwin ko. Thanks po.
Nasagot na to sa newest thread. Wala kang gagawin. Talo ka na ba sa case at na-garnish bahay mo? Kung di naman naka pangalan sayo ang bahay, huwag kang mag alala. Pag may pumunta sa bahay nyo, at mag harass na ipa-lockdown bahay mo, tawag ka ng police. Hahaha.
DeleteScam yan. Di totoo. Hwag maniwala.
puedeng ma garnish ang house?
DeleteAlam ko po kung naka pangalan lang sa iyo na may utang. Pero kung yan tinitirhan mo hindi pwede, ano yun sa kalsada ka patirahin? Plus mahabang proseso yun kung properties, kaya sa pera sa banks ang talagang hinahanap nila.
Deletepwede kung pwede. pero di priority ng bank yun. usually, exempted din ang house sa garnishment.
DeleteThank you po. Kinabahan ako. Yung house ko patapos na loan payment baka kunin. Napaisip tuloy ako na ibenta to.
DeleteMay post na po ba dito na nademanda ni UB? salamat po..
ReplyDeleteas posted wala pa po
DeleteHello, meron po ako unpaid balance sa Citi Personal Loan worth 100k Di pa kasama Interest. Mag 3 months na po ako di nakakabayad kahit minimum due. Also sa Citi Credit Card ko may mga unpaid PAY LITE INSTALLMENTS ako due to unfortunate circumstances di pa ako or Di ko pa ito kaya bayaran.
ReplyDeleteTanong ko po is :
Yung CA ba ng CITI Bank ay terror like nagpapameet sa barangay, nag tetext blast sa contacts, pupunta sa office etc. Nakaka hiya man pero baka Di ko po kayanin ang kahihiyan kung kaya ko lang talaga sana bayaran agad ggwin ko naman nasstress na po ako pls help I need advise po
Citi Personal Loan meron po ba dito same case with me na di nabayaran?
ReplyDeleteHello po. Question lang po pede bang habulin at pagbayarin ang supplementary card holder ko sa default bdo cc ko. My daughter is my supplementary, umabot na sa 800k, yun po ang limit ko lumaki sya kasi puro minimum payments lang ang nababayaran ko, so napuno sya kasi sa interest. Good payer po ko before, but sad to say nahirapan sa pagbabayad simula nung nagpandemic. Possible po ba na mahold ang bdo savings accnt ng daughter ko? Nagwoworry lang po ko kasi pinaghirapan ng anak ko ung savings nya. Maraming salamat po sa pagsagot
ReplyDeletePara d na po kayo mag worry, withdraw all savings account nalang po
DeleteThank you po. Ung account po ng anak ko na supplementary ko, bdo din po. bdo cc defaulted po ko. Possible po ba na maapektuhan in the future ang supplementary ko? Ung savings po ba possible din na magarnish
DeleteHi po @mr. Kabado2 ask lang po ung s akin i received a call and tx msgs from brgy. My antipolo pnp daw po s brgy bineverify ako pinpapunta ako ng brgy. Ang ginawa ko kinausap ko nlang po thru phone sabi ko regarding po saan sabi po ni kgwad kausapin ko daw ung police kinausap ko po pinasa ni kagawad ung phone dun f police tapos my binigay lang po s akin number twagan ko daw po para maayos head office daw atty ni eastwest bank tinwagan ko po around 106k n daw po ung account ko s ews since 2020 d ko n po kasi tlga un nbyaran nasa 12k lang po yta un ngayon 106k na for sheriff na daw po ung account ko kasi nkapagfile n daw po sila ng case para daw po matpos pinag byad ako ng 32k sabi ko d ko pa po talga kaya kasi wala nman po ako work 12yrs ko po inalagaan ung account ko tapos 2020 po hindi ko n talga nabyaran which is small amount nman po arount 12k to 20 k lets say 20k gnun ngayon nasa 106k na d nman po ako makpagwork din because of my health condition na din and ung 12yrs na employer ko wala n nagsarado n po ung company nmin .... Totoo po b un nag papasheriff si eastwest bank ATTY. Manuel Abad po ung nkausap ko senior atty daw po sya ni eastwest bank head office po
ReplyDeletehello.
DeleteBLUFF!
PURE PANANAKOT!
JUSKOng mga CA... BOBO LAKAS MAKATAKOT!
Next time wag ka papayag na ganyanin ka. pablotter mo. HARASSMENT
Hello everyone! Ako po si ms independent.. Kabilaan dn po yung naging credit card debt ko po.. Start ng miniumun due ko Lang na byaran hanggang sa di ko na Kaya po ngaun byaran po ang minimum due pinakamalaki ko pong utang is 70k plus sa metro Bank ito nalang nbyaran ko ng minimum due kasi ito nlang Kaya ko pong byaran si metro bank - eastwest mga 50 k po, rcbc po mga 40k po.,hsbc po 30k plus..bpi po 4k. Nawalan po ako ng work and nagkaroon ng health problem anak ko po na need ko bantayn lagi po, kakahospital Lang dn po anak ko..nagpadala napo demand letter si rcbc, twice ngpdala napocollection agency ni hsbc.. Kanina po may parang pumunta na brangay official po dito kasama ang guard ng condo namin pero di nman po ako ang hnhnap daw.. Ung condo po namin nkapngalan sa amin ng asawa ko pero principal buyer po si asawa ko at hindi po ako.. Possible po ba nila kunin ang condo namin kahit Yun Lang po ang ng isang bhay na tinitirhan namin. At possible dn po ba ako mpatawag sa branagy po dahil sa utang ko po? I'm trying tlga po na mkkhnap ng work ulit since okay nman po anak ko now nkalabas napo sa hospital.. At aminado po ako Nawalan ako ng control po nung past few months sa finances ko po.. And gsto ko po byran lahat po ng debts ko po. Slmat ng mrami po
ReplyDeletehello... welcome sa blog!
DeleteLAHAT NG TANONG MO AY BLUF!!! OVERTHINKING LANG PO. RELXA NOW
May nakarecieve na ba dito ng Execution? Civil case from BPI. PAY sum of amount P288k PLUS 6% per annum finance charge, 6% per annumlate payment charge from default date, 6% legal interest per annum until fully paid and 10k attorneys fee and cost of suit. Legit kaya to?
ReplyDeleteHow about sa PNB delinquent meron po ba clang inooffer na discount?
ReplyDelete