Banker is reTIRED! Let us allow him to enjoy his time. Please no calls, no texts, no emails.
He has done more than enough after giving pro-bono support to defaulters for many years. Now he deserves a break.
Those who have access to his number and email address, kindly refrain from directly calling, texting, or emailing him. Don't give his personal contacts to others.
From now on, he won't entertain any emails, calls, or texts. Don't misinterpret him. Banker is never rude. He is wise, experienced, smart, and super funny. His "sarcasm" is a real treat.
If you have "life and death" questions, kindly BACKREAD the open posts. You will learn a great deal. Or posts your questions as many other defaulters are generous enough to share tips and diskartes.
If you do not find answers to your paranoia, kindly email directly to diskarteguide@gmail.com.
You will have the opportunity to meet and ask @reTIRED banker in person if you join this year's Yearend EB on November 11, 2023, at 2pm. Details are already posted.
To those you have been here for sometime now, let us express our gratitude to banker by sharing one powerful diskarte that has hugely helped us.
One best diskarte I am using - never believe what the CA crooks say. they remain the number source of our paranoia. maging mas malala ang problema natin the moment we start to believe their lies.
ReplyDeleteSonnix, thanks 🙏
ReplyDeleteFor others curious about the yum burgers consultation fee, whatever they think Yun na Yun 😁
p.s.
I owe you 2 yumburgers🤗
Happy retirement banker! Sonixx, hindi naman po mawawala itong Diskarte page tama po?
ReplyDeleteit is up to us to continue the blog. mas maigi sana na kung natulungan kayo ng blog na ito, mas marami mag stay at mag contribute. that is the only way para ma continue to.
Deletehindi naman HAHAHA
DeleteNakakamiss magbasa ng mga kwentong defaulter.. I'm six months defaulted sa 11 CC. And everyday po ako silent reader here ang always basa lang ng diskarte.salamat po banker.. And Sana po mag post pa. Din po dito ng Kung ano na pong update sa mga na. File an ng case Para po magkaron kami idea like Kung how long Kung mag file ng case. And ano po results.. Di po ako nagsasawang magbasa kasi andami ko po natutunan na diskarte 😊
ReplyDeleteNasa magkano po total default mo sa 11 ccards?
DeleteHappy Retirement @Banker. You are a Godsend
YOWN. BACK READ IS THE KEY
Delete@kinakape millions napo in total..hopefully mabayaran pa din po kahit pano.di ko lang alam kung paano at kelan ..kaya tuloy lang po diskarte kahit medyo kinakabahan
Delete@kinakape millions napo in total.
Deleteshould you wish, e-mail sonnix for my number.
I'll take time to answer your call if ever.
kaya lang :
I now charge two yumburgers as consultation fee.
lol!
hello po, 3mos napo ako walang payment sa BPI credit card ko due to financial crisis, meron din po ako savings account sa same bank for remittance ng father ko. then today may na receive po ako message sa bpi, possible po ba na totoo ito? thank you
DeleteDear valued customer, please settle your minimum due of P18,333.56 TODAY otherwise, we will be compelled to debit your deposit account and apply the amount as payment. For inquiries, please call us at 8580-4014. Kindly disregard this message if payment has been made. Thank you.
@Anonymous, hi no timeline when the bank will file a case, in my time in 2014, got the bpi case within the year and resolution in a year' time din, now sa approval ng writ of execution it took 2 years and up to this time (when I have fully retired from work) no sign of the notice of execution
Deletebefore bank‘s legal counsel will email me offering repayment schemes etc... un bang will tell you all lies ...lols
if ever, bank accounts po and subject for garnishment
with the exception of the following :
pension account
insurance
foreign currency deposit
now with accounts na di exempted, in case na ma execute, it's one time
-Cherrylou
@Anonymous, hi yes the bank has the right to debit one's account in lieu of defaulted cc or loan
Deleteit's in the terms in the issuance of the credit card
-Cherrylou
hi mam cherrylou, if close ko napo kaya saving account ko sa BPI and lipat po muna ako other banks, di naman po kaya ako magkakaproblema? thank you 🙏
DeleteHi po mga ka defaulters.. base sa mga nabasa ko dito parang much better po na deadmahin na lng po ang CA/calls/emails until all will just come to pass esp if Di talaga Kaya bayaran. Tama po ba na ganito ang diskarte? May mga gumawa na po ba Ng ganyan like how many years na deadma Lang po sa knila? Until they're silent n lng din both bank/CA's. TIA
Deletewith the exception of the following :
Deletepension account
insurance
foreign currency deposit
now with accounts na di exempted, in case na ma execute, it's one time
-Cherrylou
Mam Cherrylou, question po dito... yung foreign deposit po ba like dollar acct po?so exempted po sa magagarnish? tama po ba intindi ko?i have dollar acct sa bank kung saan ako defaulted and nagpopondo don ay uncle ko for the purpose of show money kasi applying for abroad ako.
Sana nmn ndi mawala tong blog na 2 silent reader here for more than a year defaulter ako sa 5 banks total in 9 cards next month maidadagdag c bpi and pnb khit min. amount dina rin tlga kaya for sure kc bagong defaulter ako Kay pnb at bpi bka sa 1 araw mka 20 miscalls ako😥pray lng po tau lahat balang araw makaahon din sa malaking pagkakautang sa ngaun tamang diskarte lng dahil khit anung pananakot ni CA kung Wla tlga maibayad eh d wala..slmat po sa lahat ng bumubuo ng blog na to Kay banker mam cherry Mr kabdo1 Mr kabado2 at Kay sonixx haven and also sa lahat ng nagshare ng everyday experienced nila sa ibat iba CA
ReplyDelete@ Hope hi most welcome and yes sans this blog site will be here forever
Deletelaking tulong din sa mga defaulters
and for now just ignore the calls
from my experience, pag newly defaulted mas madam ang contacts ng Kolektors
but as months and years would go by, nababawasan din
guess pag ok na and finances and me savings pwede naman mag comply sa offer ng Kolektor... basta yung kayang I-sustain and pay off debts one at a time
-Cherrylou
Same. 😓 daming defaulted cards.. kaso ang problem ko po is aalis po ako ng bansa and natatakot po ako baka maging criminal na case ko dahil lang po magttrabaho ako abroad. 😓 kung dito lang ako, hnd ko mababayaran ang mga utang ko..
DeleteHow many times ba mag offset ng bank if may account ka sa kanila?
ReplyDeletehanggat may nakikita silang pera sa account mo kaya you need to monitor. kahit 10pesos or piso kinukuha nila
DeleteNauuwi po ba lagi sa pag garnish ng pera sa mga savings/payroll acct ang decision ng court?
DeleteAny post/s on properties being levied on or being annotated sa Deed of Registry because of a court judgement on credit card debt? Eto worry ko kasi yung bahay namin under sa name ng asawa ko. Rights/Tax Dec lang sya. Salamat Banker and admins
ReplyDeleteFrom what I know credit card debt is unsecured debt. Credit card companies don't want the hassle to garnish any property because they want cash, not your house. Besides they have to pay filing fee. That is why there is a collection agency. As far as the bank is concerned your debt is not important to them anymore.
DeleteHayst bumalik nanaman yung account ng isa kong cc dun sa CA na nagpunta dito sa bahay, gigil pa naman dun mother ko kung ano ano kasi sinabi. May chance maya silang bumalik ulit dito?
ReplyDeleteHow true malaki mgbagy ng disct si east west nsa 500 k ang naiwan mgkno n lng kya ang ipababayad na lng kung mau amnesty
ReplyDeletetrue. antay ka lang.
Delete@AnonymousWednesday, July 19, 2023 at 2:54:00 AM GMT+8 Hi!
Deleteyes po sila ang pinaka galante at okay kausap sa experience ko. Pag ready ka na to settle with EWB check mo mga emails mo or mga text mo ( yan ay kung hindi ka nag palit ng SIM card :=> ) kasi doon pumapasok ang mga amnesty letter.
Sa experience ko nakakuha ko text duda pa nga ako nun una akala ko mga collecting agency lang. call ako mismo EWB bank recovery department ang sumagot. saktohan ready to settle na ako grab ko na siya.
Pero tip palagi dito sa blog ay unahin talaga mag settle sa mga banks na nag demanda ( BPI Security RCBC HSBC) kaya nun mabasa ko yun tip na eto dito sa blog ay sunod ko si RCBC. So far ang challenging kausap sa akin experience si PNB (kunat ayaw mag pa discount) at Security.
Ilan taon po kaya bago sla magbgay ng amnesty?
ReplyDelete@AnonymousWednesday, July 19, 2023 at 11:45:00 AM GMT+8
Deletedefaulted ako sa EWB 2019 then nag settle ako nito lang 2022 1st quarter.
Never tumigil mag padala ng amnesty and EWB sa declared email ko. lagi ko lang sinasagot na wala pa po ako funds to settle but keep me in your email list para pag saktohan may pera ako agad agad ako mag settle. Which ginawa nila. lagi ako may communication email at text from EWB. I never answer text or call mas gusto ko email para may electronic trail ng communication
Sonix haven ilan taon po kaya magbigay amnesty ang eastwest
ReplyDeleteGusto ng CA na makausap ang boss ko regarding sa default ko sa PSbank flexi loan. Since 2021 pa po ang default ko., Possible po ba yon?
ReplyDelete@anonymous, hi kolektors will tell you everything magbayad ka lang and para me komisyon sila, loans are personal so di concern ni boss and tell the crook/kolektor to refrain from being a pain in the ass
Delete-cherryloudejesus
huh! desperate move ng CA yan. walang pakialam boss mo sa default mo. except pag siya magbabayad.
ReplyDeleteGood evening, possible po BA na mag debit na lng bigla sa payroll if same bank like BPI? allowed po ba ang ganyan? TIA
ReplyDeleteToday, I visited this site at nakaka-lungkot na maraming ang mga maling akala at madami ang na bubudol ng mga CA.
ReplyDeleteWell, I'm enjoying my retirement, but I can still help if hinde lang sana kuripot sa two jollibee burgers na consultation fees. lol!
p.s. your present admin are doing very well in answering your concerns although they cannot address ALL your concerns except maybe if you back-read.
Hi Banker thanks for visiting. Ask ko lang sana kung papano nalalaman ng sheriff ang mga properties and or bank account na igagarnish nya? Salamat po.
Deleterarely this happens. beyond bank accounts, wala pa ring nag share ng property garnishment dito. as to how they will know our properties, magaling to sila mag research. at may connections to sila sa ROD definitely.
DeleteLAST and FINAL DEMAND:
ReplyDeleteMS. ********
Ignoring our calls or text messages and not paying your dues is a malicious intent of running away your obligations. Consequently, your name is now for BLACKLISTING that will affect all your personal record. But still we are giving you a chance to settle the payment atleast 2,200php partial. Strictly until TODAY.
Please CONFIRM
Ignore ko lang po ba ito? Hirap na hirap ako financially ngayon e nag ask ako 6months sana na reprieve ayaw naman.Pkease advise, salamat po 😭
@anonymous, yeah pls. ignore
Deletepraxis lagst po ng kolektors me LAST AND FINAL DEMAND
di po uso ang reprieve sa mga banks ...sad to say
laban lang po, me awa ang Dios and me saying po na and problema dumadaan lang and di data tambayan
-Cherryloudejesus
Thank you, God bless sa inyo na nagpapakalma sa mga natatarantang tulad ko. Sa ngayon naka airplane mode ako kasi nadidistract ako sa work. Nag email ako sa knila at reply ako sa text nila na ako mismo mag reach out sa bank pag nag okay na ang financial situation ko pero sa ngayon wala talaga ako capacity to pay.
DeleteHello! 3yrs na ako defaulter ng cc ko nag start noong pandemic as in zero income kasi nawala negosyo ko..., super paranoid ako sa demand letters calls,emails.. nag change na ako ng simcard, kinalimutan ko na email add ko kasi nagka ka anxiety na ako, hnd na ako makakin and tulog.. natatakot na rin ako pgmay kumakatok sa bahay baka ano oh sino nah as in super na papraning ako,, nag sesearch din ako bout sa mga utang2x..pinipilit ko lng talaga kumalma, ayaw kong ng napaguusapan bout banks or cc kasi napapraning ako.. I just learned bout this blog very recently, and thanks to all of you totally nawala ang paranoia ko, kumalma na talaga ako, hnd na ako takot kung may kumakatok sa bahay. Naintindihan ko na mga karapatan ko, nakahanap ako ng kakampi dito,, backread2x lng talaga ako.. tinanggap ko na hnd ko pa talaga kaya mgbayad ngayon gustuhin ko man kasi kulang talga finances. Just this month my demand letter ako kay BPI, kaya widraw ko pera sa Atm ko bpi mahirap na hnd pa nmn sakin yun😅 backread2x lng tayo dito sa mga baguhan na tulad ko,, madami tayo matutuhan na mga diskarte para hnd na tayo na papraning...fighting!
ReplyDeletehttps://www.youtube.com/shorts/g6uGjUpQOWE
DeletePerfect! we need to work on our mindset fundamentally!
DeleteKailan po nag start sila mag send ng demand letters? After a yr po ba or months lang?
Delete@darmina1431 after a year ata ako naka received ng demand letters...2020 kasi ako naging defaulter, pandemic so somewhere in 2021 ako nka start mka tanggap ng demand letters, 3banks ako defaulter...
DeleteHow do I send 2 yumburgers to Banker po, Sonnixx Haven? Di ako nagpaconsult personally but this blog really helped me, kaya I owe Banker 2 yumburgers. Haha
ReplyDeletethis is extra special. nakakatawa nga to, maraming di nakaka intindi sa offer nato. kung isipin nga natin, @reTired banker deserves more than 2 yumburgers. and believe me, hindi pa sa kanya yan. para yan sa mga batang kalye na minsan lang makatikim ng yumburgers. you may send thru Ma'am Cherry's gcash - 0976 0214 216. Sincerely appreciated!
DeleteAt last hirit ha, attend ka ng EB sa November. See open post for more details.
@pinatapang ng blog na ito
Deletehi many thanks for your donation...is your last 2 digits 88?
-Cherryloudejesus
just a side comment:
Deleteever since I "charge" yumburgers as consultation fees, 9 out of 10 does not call or reply anymore. lol!
Hello po, ask ko lang po defaulter po ako sa Unionbank nasa 850k na po utang KO primary balance ko 365k lang. Yung payroll ko po now is Union bank pede b nila kunin or I hold ung sahod ko? Thanks po
ReplyDeleteMay chance pong kunin kasi may right to setoff ang karamihan sa mga banks. Check mo ung T&C ng UB.
DeleteSame din tayo ng problem Newly defaulter ako sa MB and ang payroll ko ay Metro din. Dapat i withdraw agad ang sahod.
Ang laki ng interest.Gaano katagal ka ng defaulted?
@Annexia, yes banks have the right to auto debit bank account in lieu of defaulted acct
Deleteno idea if UBP practicing that, in my personal experience, had defaulted cc with web and am at the same time keeping a current account and I have issued pdcs
and ayun I found out that na-auto debit na papa aka, diskarte was to close the account ...
for sure young defaulted amt na 800k plus is from the Kollektor... mama ba
bloated na po kaya ganyan
-kolektor will try to offer you an amount na malapit sa katotohan for sure ( can po diskarte nila )
-Cherryloudejesus
Share ko lang experienced ko today defaulter po ako ng ibat ibang banks total in 9 cards tapos dis month maidadagdag na nmn c bpi at pnb di na talaga kaya khit min. More than 2 years na po since nagresign ako sa dati Kong company knina nagchat ung Isa sa mga head ko may nag email daw na law firm sa HR hinahanap ako nakakalungkot lang tlga na some CA will do everything to shame us na mga defaulter para lng makacollect sila for sure pinag uusapan na ako ng mga dati Kong katrabaho..magkaibang magkaiba ung ayaw magbayad sa wala pa tlgang ibabayad sa ngaun tlga sobrang bagsak ng finances ko gustihin ko man mkpgbyad wala pa tlga..pahelp naman po paano niu naovercome ung shame dahil sa utang
ReplyDeleteKung ako sayo, wag mo.isipin yung iniisip ng ibang tao. Yun ang best way.
Deletethere is no better way than this diskarte. concern ko rin yan dati, ano na isipin ng mga kakilala ko. pero, so what? di naman sila tutulong sa pagbayad ng mga default ko. hahaha.
Deletemore than three years na ako wala sa work. but some CA crooks continue to do the same. few times nag reach out sa akin ang former office ko, every time ang sagot ko, well, scam yan. dapat sa akin sila mag reach-out kung legit yan.
mga hunghang talaga.
@Hope, B. Surewood and Sonnix Haven are both right, don't mind other people, focus mana on your basic needs... pag ok na and finances try to settle one account at a time and as confirmed by Brian Surewood being in default for a number of years he was able to get good deals on his defaulted accounts
Deletenakakahiya... it was not in our intention na ma-default
iba nawalan ng work etc... so no worries
-Cherryloudejesus
Naku @Hope i feel you kasi yan yan ang experience ko sa mga patawang collectors (lol) tawagan ba naman HR head namin! pre pandemic eto nangyari am so thankful na barado agad sa HR head na wala pakels sila sa personal life ko.
DeleteAnd yes naging usap usapan ako sa pantry or CR (lol) kasi may time na wala ako sa desk ko or field work at mag call ang mga collector siyempre hindi ma iwasan na pick up ng mga co workers mo or kapwa department mates mo Then pag balik mo sa desk mo dami sticky notes ng iba iba bank tumawag. Pero nalagpasan ko din siya ..mahirap pero kinaya ko naman... this blog was my safe space kasi dami diskarte na puede apply.
mas intindihin natin mga sarili natin at wag na atupagin yun isip ng ibang tao. kasi at the end of the day tayo naman mag babayad nun hindi sila. Kiber na lang.
Thank u briansurewood and sonnixx haven gagawin ko po mga sinabi niu I realized na pagkatapos Kong umiyak ng umiyak kagabi less concern ko na kung Anu ung sasabhin ng ibang tao..Buti nlng tlga meron tong blog na ginawa ni banker gusto ko sna magsend ng 2 burger sakanya kaya lang dko alam paano xa I reach out🙂
ReplyDeletePray lang po tau lahat lilipas din to at mas may mganda pang Plano si LORD sa atin and Sabi nga ni MrKabado forget the debts but not the lesson❤️
you may send thru Ma'am Cherry's gcash - 0976 0214 216. Sincerely appreciated!
Delete@Hope oo iyak mo lang yan. then pag ina-atake ka ng anxiety log in ka lang dito sa blog back read at basa basa. hayaan mo yun ibang tao.
Deletehi po, medyo natatakot po ako, now kasi, tinake ko po yung call nang EWB CC ko defaulted.. not sure CA na or Bank parin, I told them i can't settle dahil wala pa pong funds..ang ni-reason out ko po is pandemic,. pero aminado ako nagamit ko pa po xa hanggang march this 2023..and binanggit nga po nila saakin..ngaun dinedemand nila saakin ung atleast minimum amount at kung ndi demandable na daw po ung kabuuan wich is umabot na nang 232k.. ano po ba dapat gawin kasi need ko rin po isettle ung mga iba ko pa pong card..pls what should i do.? ndi ko po atalaga kaya isettle kasi need ko rin po talaga tapusin ung three at matagal tagal ko pa po bago sila mabayaran.
ReplyDeletepls need ko po nang advice what shall i do?..
ReplyDeletewala. manage mo lang ang mga hunghang na CA crooks. kung wala pa talagang pambayad, eh di wala. prioritize your needs to survive and recover. basa ng maraming diskarte dito/
Deletesalamat @sonnixx haven.super depress naman ako talaga..swear to God kapag na recover ako babalikan ko sila agad.. ndi ko sila kayang pag sabay sabayin for now talaga..
Deletethis is beyond your control, and you never willed to be in this situation. but to you help you move on and find ways to focus on diskartes in life, accept the fact that you are in this situation.
Deletenever believe the lies and deception fed to you by the CA crooks. all the more manghihina ka. don't allow them to control your life. buhay mo yan. utang lang to. there will come a time na malampasan mo to at maka recover ka rin. may pag asa pa. kaya mo yan!
Here is an advise I have always given here.
ReplyDeleteIt may stress you out to answer calla from Collection Agenciies, but the only way for you to almost guarantee na di ka guguluhin nyan sa work mo o trabaho mo is one of the following:
- Bayaran mo ang utang mo now
- Sagutin mo tawag and email nila
Kung wala ka babayad, better answer them. As long as they are able to talk to you, ikaw lang ang kakausapin nyan.
Mas maiigi din na sinasahot byo ang calls, email at binabasa ang mga sulat kasi malalamana nyo kung ano ang ginagawa nila. Malay nyo may email na may discount at kaya nyo na magbayad.
That is my advise.
Totoo po ito. Same din sa ginagawa ko. Every once in a while sumasagot ako sa calls. Ilang beses na rin may nagpunta sa bahay pero wala ng stress kasi naging honest naman ako sa family ko and alam na nila sasabihin at gagawin. Nasanay na kaming lahat. Magaan na kumpara nung nagsimula ako magdefault 5 years ago.
DeleteDasal lang po. Mahirap po talaga pero pilitin po naton wag magpadala sa anxiety. Nagka heart condition po ako na feel ko triggered ng stress ko sa utang. Kaya kalmahan lang po natin.
Hello po ask ko lang po within 5 years di po kayo na File an ng case ng banks.. Ano ano po ung mga cc nyo ksi defaulted po ksi ako ng 12 cc's po
Delete@Brian Sure Wood ang advice naman po sa akin ng abogado na nakausap ko abt credit card/civil case.. huwag ko daw ientertain ang mga calls kung hindi din naman ako ready to negotiate.. and abt po sa pagtawag sa work, bawal daw po yun lalo na kung nadidisclose nila ang concern sa debtor. Yung mag ring ang number daw ay enough na to prove na open ang lines. The lawyer even advised me na pwede mag palit ng number if wala naman na akong business transactions sa number na yun. What i will do daw is to wait na may enough money na and wait for the email ni bank na may offer ng discounted amt to be paid. And if sasagot man sa mga panggugulo ng mga CAs thru email para recorded daw po. Kasi mas lalo nakaka stress ang makipag usap sa ibat ibang CAs.. hnd ka rin pwede makipag negotiate sakanila dahil they dont have the power to do so.. they are just collectors.. and bawal na bawal na nakikipag usap sila sa iba kung hnd naman yun ang may utang. Pwede din siguro if you know the CA name, inform them that disclosing the debt sa ibang tao.. pwede sila makasuhan din. Sa email po makioag usap, and hnd po obligation ng debtor saguton bawa tawag nila. If all of us are giving advice na wag matakot, huwag mataranta, huwag magpadala sa mga txt or calls.. then why dont we have the choice na hnd sila sagutin.
DeleteIn the Philippines, debt collection practices are regulated by the Fair Debt Collection Practices Act (FDPCA) under Republic Act No. 10870. The law sets out specific guidelines that debt collectors must follow when attempting to collect a debt.
DeleteSome of the unfair debt collection practices prohibited by the FDPCA include:
1. Harassment or abuse, such as using profane or obscene language, making excessive phone calls, or threatening violence or harm to the debtor or their family members. Messaging using social media.
2. False or misleading statements, such as misrepresenting the amount owed or the consequences of not paying the debt.
3. Unfair practices, such as contacting the debtor at unreasonable hours, contacting them at their workplace after being instructed not to, or collecting additional fees or charges that are not authorized by law or the original agreement.
4. Contacting third parties such as the debtor's employer, relatives, or neighbors, and disclosing information about the debt without the debtor's consent.
Debt collectors who violate the FDPCA may face penalties and fines, and debtors have the right to file a complaint with the Securities and Exchange Commission or the Department of Trade and Industry.
If you are experiencing unfair debt collection practices, it is recommended that you seek legal advice or contact the appropriate government agency for assistance.
Wag mo intindihin yan at mababaliw ka lang. I once contemplated suicide because of my almost 3M ccard debt but reading this blog made me realize that all is not lost. Kapit lang.
ReplyDelete@mamcherrylou halla mam sorry dko agad napansin na kau Yung anonymous cguro dahil sa nasobrahan ko sa pagiyak kgabi..thank u mam sa advice Masaya ako bumalik na ulit kau..lagi ako nagpray pray mam na sna mkaabroad nako pra maisettle ko paunti unti ung mga utang ko sa banks..tama kau mam less concern ko na yung mga taong manghuhusga at paguusapan ako kasi Hindi nmn nila ako tutulungan magbayad🙂
ReplyDeleteNasa 4.3M pala utang ko excluding fees, interests etc
ReplyDeleteHello po @kinakape ilang Mos na po kayo defaulted sa CC.. Halos same po tayo ng amt all in all sa 11 CC ko.. Wala. Pa po interest and charges.. Kaya medyo nakakatakot po
DeleteHello po @kinakape. Kailan po kayo nagstart madefault. Halos ganyan din po amount na iiwan ko. Di ko na kayang bayaran.. metro; pnb; rcbc. I was scammed po kasi ng apo ng mayor.
DeleteHello kamusta po sa lahat..any update po sa mga defaulter kung ano na po nangyari..defaulted po kasi ako 11 cc..and 6 mos na po ako di nagpay..ung iba pong CA di natawag kaya medyo nakakatakot ..wala din po silang email..rcbc lang po talaga ang active sa call at emails..
ReplyDeleteTotoo ung suggestion na sagutin nyo lang yung call. Let them know if may pambayad ka or wala. No need to explain ung situation mo sa kanila kasi they do not care. Titigilan ka rin nila at hindi gagambalain ang mga kakilala at kamag-anak mo.
ReplyDeleteIf may konti kang extra funds, lay down your proposal. Wag ka papayag na sila magdikta sa iyo ng terms. Stick with your proposal, at least you offered to settle, nasa sa kanila if kakagat sila. Sa case ko hindi sila kumagat but tumigil sila sa pangungulit.
Hello i received this po. For possible court filing na po ba pag ganito? Please help me po. Thank you.
ReplyDeleteYour cancelled credit card ending in XXXX remains overdue. We will endorse your account to one of our external law firms, XXXX AND ASSOCIATES LAW OFFICE. You can contact XXXX at 02-XXXXXXX from 9AM to 5PM on weekdays to talk about your payment options. Check payment channels at website. Please disregard this message if outstanding balance has been paid.
@anonymous Thurs July 27, 2023 at 8:55:00 ano pong Law office?
ReplyDeleteSese and associates law office
ReplyDeleteang CA ay Law Firm din po..
Delete@anonymous, pls. ignore
Deletela hat po ng kolektors ganyan ang pang budol
call po ni bank if ever gusto nila mag file ng case
-cherryloudejesus
Thank you Ma’am Cherrylou
DeleteTanong lang po ang external law firm po ba nagffile din ng case?
DeleteSa ctbc bank to, kaso walang nakalagay na name. Pwede ko kaya ireklamo sa BSP?
ReplyDeleteMagandang Araw.
KNM:
Sana nakakatulog pa kayo ng maayos at nananaginip ng maganda kahit meron kayo obligasyon na bayaran itong pinakinabangan mong utang na pera.
Mahiya naman kayo sa pinagkakautangan niyo na tinatakbuhan ninyo at tinataguan niyo. Akala niyo ba matataguan ninyo itong problema ninyo?
kung makatao kayo at makonsensyang tao bayaran niyo ito at kung takot kayo sa karma MAGBAYAD KAYO.
ANG KAPAL NA NG MUKHA NIYO MASYADO DI NA KAYO NAG PAPARAMDAM PAG TAPUS NIYO MAGPAKASAYA SA PERA NA NAKUHA NIYO.
NANLOLOKO KAYO NG TAO AT MAGNANAKAW KAYO KAPAG ITO HINDI NINYO BINAYARAN.
KONSENSYA AT KARMA NIYO ITO.
"MAG IINGAT KAYO PALAGI ANDITO LANG AKO LAGI NAKAABANG SAYO"
#UTANG
Blah blah blah. Epektib pa ba yan? Bakit di na lang sa korte mag usap?
Delete@Ctbc Defaulter,
DeleteKahit reklamo nyo sa BSP yan, wala sila gagawin dyan.
Una, walang pangalan ng agency yang nagpadala sa inyo. Pangalawa, kung may pangalan man, CTBC will deny they instructed that agency to do that.
The harrassment by collection agencies to defaulters is only condemned as a show, but that is widely condoned because fear and embarrassment is a great motivator pay up.
If BSP acts on complains they get about harrassment, di na kelangan ni Banker mag-retire dito, because he never had to start this group.
Ang gawin nyo is educate yourselves on your rights, and wag magpatakot sa mga yan.
@Ctbc defaulter - Sinong CA po may hawak sa account mo? Ctbc defaulter din po ako ng salary stretch loan nila. Received sms, emails and now snail mail from Cendana-Neri. Final legal warning and filing of lawsuit inmediately.
Delete@CTBC defaulter , hi if I were you I wl never waste my time making complains with the bsp or any body for that matter
ReplyDeletefirst of all, walling name ng addressee and you just presume na its for the past due with ctbc
given na po sa mag kolektor ang maging ill-mannered and don't ever stoop down to their level
if sms or email pa delete lang po and deal with the bank pag ok na ang resources
that is what most of the defaulters did
-cherryloudejesus
hello po baka pwedeng makahingi ng advice ano po usually sinasagot niyo sa email pag nag sesend sila ng demand letter through email. To tell you honestly wala na po talaga akong balak i settle ubp ko from defaulted amount of 60k to 250k na, wala naman po akong sapat sa pera para iinstallment and bayaran ang di makatarungan nilang penalties and interest. Nung na default ako sa kanila ng 2 moths pa lang I tried to reach out with them na iinstallment for smaller monthly payment sana kaso ayaw nila pumayag hanggang sa ayan lumobo na ng sobra and almost 2 years pa lang ako defaulted and ganyang kalobo na. Iniiwasan ko lang talagang pumunta yang CA ng ubp dito sa bahay dahil bumalik nanaman sa kanila ang account ko so far sila yung pinaka balahurang CA na nakausap ng parents ko.
ReplyDeleteBalahura pala bakit kinakausap mo pa? Pag pumunta wag ka papayag na babuyin ka sa teritoryo mo yayain mo agad sa police station na pinakamalapit sauo dun kamo kayo mag usap kung gusto nila.
DeleteMay na filan na po ba dito ng civil case ni SB? Mga ilang years po kaya bago sila mag file? Almost 2 years na po ako defaulted sa kanila. 43k lng po ang principal loan ko umabot na ng 70k. Sna po madagot. Hindi na kasi kaya talaga ng sahod ko. Thanks.
ReplyDeleteHello po, need advise Lang po totoo po kayo ung warrant of arrest, Yung kapitan na po kasi ng brgy. Ang tinawagan ang sabi ay hepe daw x po siya ng pulis ng Cavinti Laguna meron daw p akong kaso at may warrant of arrest na daw po ksi hindi nakaattend sa hearing tinatanong sa kapitan if kilala po ako, tapos si kapitan binigay sa mother ko ung number tawagan Ko daw po wala naman po ako narereceieve na Letter sa hearing pero nag search po ako kung tama ung Name ng hepe, and tama po, need advice Lang po should I call him PO Kaya? as of now wala pa din po akong pambayad, CC defaulter po ako since 2020, slamat po
ReplyDeleteSabihan mo kapitan ng baranggay nyo na wag nagpapaniwala sa SCAM
DeleteUn nga po hindi nman po ako nakatira sa Brgy na nasasakupan niya katabi lang po kami ng brgy nila, tska hepe daw po mismo tumawag sa kanya, nakakatakot lang po kasi talaga, tpos need ko daw po tawagan ung number, tatawagan ko po kaya?
DeleteHinananp sa internet lahat ng info at nagpanggap. Walang pakialam ang COP at chairmain sa utang mo.
Delete@anonymous pano po nabigay nung kapitan sa nanay mo ung mo.ng hepe kung taga ibang barangay po ung kapitan.di nya naman po kayo sakop ng barangay nila..meron po kasing mga nagpapanggap na sila din ung kapitan kuno
DeleteKilala po namin Kap ng kabilang brgy. Liliban lang po kc un ng kalsada. Kasi dba po kung warrant of arrest bkit need pa pong itawag at need ko kausapin ung hepe, nabasa ko din po kasi na hindi nmn po ung criminal case kundi civil Case lang po
Deletekamo "kap! wala po paki ang brgy sa ano man ganap between a corporation at sa iyo. back read ka lang sa mga lumang post kasi alam ko mayroon na dito nag cite ng sakto Local Government code for brgy jurisdiction. para ma educate naman slight si kap :-)
Deleteat kamo kay Kap scam yan kasi tama ka kung tutoong warrant yan why pa tatawagan siya di ba dapat nag punta na sila sa brgy para mag pa assist? Bukod doon civil case po eto hindi criminal case :-) kaya out of the question both Brgy and kung sino man yan hepe hepe-han na yan lol :-)
ang tutoong police po hindi kasama sa job description nila ang maningil ng utang natin sa CC ;-) just incase na limot ni Kap ang local govt code for Brgy. :-)
Kaya ako inunahan ko lahat ng mga collecting agencies na yan. ako na mismo nag pa blotter sa kanila sa aming brgy for harassment.
Thank you po sa sagot, ilang Nights na din pong di makatulog
ReplyDeleteKuha ka na national police cleaeance para makatulog ka na. Chillax.
DeleteMagandang araw po, sna masagot po. May na filan na po ba dito ng civil case ni SB? Mga ilang years po kaya bago sila mag file? Almost 2 years na po ako defaulted sa kanila. 43k lng po ang principal loan ko umabot na ng 70k. Sna po madagot. Hindi na kasi kaya talaga ng sahod ko. Thanks.
ReplyDeleteRelax ka lang po 43K or 70K is a small amount in my opinion. Sana po kung kaya nyo makipag negotiate directly with the bank settle it. Pero kung walang pambayad wala talaga
DeleteIsa si SB sa napaka makunat magbigay ng amensty. at kasama sila sa list ng banks na nag kaso. tama yun previous na nag comment maliit lang yun defaulted amount mo.
DeleteEto ang gawin ko diskarte knowing what I know now - will keep in touch with the bank para kahit paano thru emails just incase na mapa Oo mo sila sa panahon kaya mo na mag one time payment.
Dadaanan mo talaga yun journey ng pang ha- harass ng mga collector. trabaho nila mamburaot kaya lagi payo dito is how we respond to them is what we can control.
diskarte ko lagi is not to take their calls PERO nag respond ako sa emails nila (pag sinipag lol) na wala pa talaga ako pang settle will just keep in touch pag meron na :-). Hindi puede puro iwas lang kasi that adds to the anxiety. know your rights at tamang diskarte lang talaga sa pag harap sa mga collecting agencies.
@Alexa magkano ang default mo sa SB and ilang taon na? Effective din pala ang di pagsagot sa unknown numbers sa phone.
DeleteGandang araw.
ReplyDeleteSino sa inyo may experience sa Prime Alliance.
Totoo ba na nagsisite visit sila base dun sa email nila?
Wala din naman ako ibabayad sa kanila
Good day. Ask ko lng po sana may 3 bank loans sb 150k, ew 100k, citi 100k po ako na defaulted since 2020 pandemic. Ngissue po ako ng check sa mga yan. May mga tumatawag po pero hnd ko sinasagot kasi wala pa tlga ako pambayad pero may balak ako bayaran sila. Possible po kya na mag ka criminal case ako? Nabasa ko po d2 sabi decriminalized na daw ang bouncing checks, totoo po ba?
ReplyDeleteHi po, meron po akong defaulted RCBC na 5 months palang po with amount to ₱200k then may nagtext po sakin na pulis daw from QCPD na may reklamo daw po sakin from atty. something then binigay po yung number para tawagan ko po then tinawagan ko po at ayun nga, nagfile daw po sila ng large case estafa dahil sa rcbc credit card ko po. Na-anxiety po ako dahil dito :( buti nalang po nakabasa basa ako dito ng mga comments din po pero hirap labanan nung anxiety po.
ReplyDeletePag na unahan talaga ng sindak doon tayo binabalot ng anxiety. kaya lagi po payo dito sa blog is - "we control how we react.." Your feeling of anxiety is valid, pero i pray na mas maging strong ka to apply the diskartes na bigay ng iba iba nag post dito. I use to be like that din takot na takot pag sinasabihan na kuno kuno mga police daw at kuno kuno may reklamo DAW a certain Atty (Lol).
Deletepero alam mo kung ano nag pa tapang sa akin? Kung nakapag back read ka dito na share ko na ang experience ko na may nag attempt na kuno kuno police at kasama yun kumag na Collector (lol) kaso alert ang mga bldg guards ng condo namin at nakulitan sa dalawa tumawa sila sa Bldg admin ng amin condo.
Our condo is close to or malapit lapit sa isang police station, nagtawag ng tutoong police yun aming Bldg admin. hahaha pag dating ng tutoong police agad pinag sabihan yun nagpapagap na police na kasama ng collector na puede sila makulong sa pinag gagawa nila hahaha. Doon ko din nalaman (thru the kuwento of our bldg admin kasi nasa office ako ng mga time na yan) na pag ganyan hahanapan mo ng Service ID at papers kung talagang may serve sila na warrant or kung ano man. Plus add to that ang tutoong police ay wala time at hindi nila work or trabaho ang samahan mga collector manigil hahaha. Hindi po kasama sa job description ng police yun to assist collecting agencies and their collectors.
From that incident this was back prepandemic pa. nagkaroon ako tapang sagutin mga ganyan nag babanta sa cellphone ayun natigil.
this is why i never answer unknown number sa cellphone ang mga collector. mas prefer ko sagutin sa email ang mga collecting agencies.
I always have my phone on silent mode, para hindi ako ma istorbo :-) at rule ko na pag hindi ko kilala ang number at unknown hindi ko sagutin. Buti na lang hindi ako sa sales, kaya kerri lang na deadmahin mga unknown numbers na tumatawag.
Hope maka help ng konti ang reply ko. Nun bago bago pa ako defaulted pag ina-atake ako ng anxiety dito agad sa blog nag babasa basa, para ma-lessen man lang paranoia ko :-)
Thank you so much. Super appreciate it and yes malaking tulong ang pagbaback read dito. My times pa rin nakakaramdam ako ng anxiety kasi puro mga field visit naman ang text ngayon pero mas kinakaya. Tuloy tuloy ako sa business and mag start na ako ulit mag apply para makaipon ng funds para pag ready na ako bayaran tawagan ko na sila isa isa. Thank you so much dito
DeletePNB CARD HOLDER!
ReplyDeleteWe have investigation team checking your properties under your name
since your PNB Credit card account was endorsed for possible LITIGATION
PROCESS upon checking you have all the capacity to settle your account.
Now if you will receive the FINAL NOTICE and still no payment
arrangements possible you can’t longer avail the MAXIMUM DISCOUNT and
other payment options and you need to settle the outstanding balance
including penalties , charges and 30% Atty’s Fee.
FYI we are now asking possible Brgy. assistance to assist your location
when we serve the FINAL DEMAND LETTER to your declared RESIDENTIAL
/BUSINESS ADDRESS.
We will expect FULL SETTLEMENT of your account until SEPTEMBER 11-15,
2023 direct at any PNB Branch only or coordinate us asap at
xxxxxxx and look for xxxxxxx
DISREGARD THIS MESSAGE IF PAYMENT HAS BEEN MADE.
ano pong balita sa kaso nyo
DeleteGood Day!
DeleteYou keep ignoring our calls and reminders to pay your unsettled PNB
CREDIT CARD ACCOUNT. If we don't received any feedback from you until
SEPTEMBER 28, 2023 our LEGAL DEPARTMENT will forward a DEMAND LETTER to
your DECLARED RESIDENTIAL or COMPANY ADDRESS together with POSSIBLE
BARANGAY ASSISTANCE.
Please coordinate or contact us to this number 86338945/09171185764 for
LEGAL assistance.
meron na po bang nademanda ang bdo ? may utang po ako sa cc ko 230 po cc limit ko 800 nalang po natira..dahil sa mga installment at cash kong nagamit.. makukulong po ba ako.? magbabayad naman po ako pag kaya na 😭
ReplyDeleteOur client, RCBC Credit Card, has engaged our legal services relative to RCBC intention to file the necessary civil complaint/s for Collection of Sum of Money under the Rule on “Small Claims Cases” against you, before the Trial Courts of Pasig City, on your unpaid RCBC-Credit Card in the total amount of Php95,841.86.
ReplyDeleteYou are aware that previous verbal and/or written demands were received by you either from RCBC Credit Card itself or through its other accredited collection agencies, but which you unjustifiably chose to ignore, to the prejudice and damage of our said client.
Nevertheless, please be informed that in consideration of the present economic crisis affecting us all, our said client has decided to offer a special discount promo, herein presented to you, to wit:
What: One time payment with Special Discount Promo
How: To pay a substantially reduced amount of Php61,338.79 in cash, as full settlement of your account.
When: Within five (5) calendar days from receipt of this letter.
Otherwise, if you fail again to avail this final offer, our said client will proceed, with the filing in court against you, of the said civil case for Collection of Sum of Money, under the Rule on Small Claims Cases, by the client itself, thru its authorized representative and which Rule shall require only one (1) hearing and any court’s decision rendered is immediately final and non-appealable, without further notice.
We trust you shall give this urgent matter your utmost concern and serious consideration.
Hello, ano update on this i have the same case with magtibay law firm about my rcbc credit card amounting to 28k nangungulit siguro dahil magpapaskp na naman😅
DeleteKelan ka nag default sa RCBC? Nag ooffer pala sila ng discount?
DeleteATTENTION PNB CREDIT CARD HOLDER!
ReplyDeleteYou very well know that previous verbal and/or written demands were subsequently received by you either from PNB itself or through its other accredited collection agencies, but which you unjustifiably chose to ignore, to the prejudice and damage of our said client.
Our client would be constrained to CIVILLY CHARGE YOU, your supplementary card members , being jointly and severally liable with you, and your spouse if married, for COLLECTION OF SUM MONEY, with prayer for Preliminary Attachment, if legally warranted, before the METROPOLITAN TRIAL COURT OF MAKATI CITY, METRO MANILA, in order to recover from you, your supplementary card member and your spouse if married, the said unpaid account, including legal costs, damages and other incidental legal expenses, without further notice and delay.
Your spouse, if married, shall be included as a mandatory party-defendant in the Sum of Money Case, to be filed in court, pursuant to RULE 3, SEC.4 OF THE NEW RULES OF COURT.
Nevertheless, in the spirit of Justice and fairness, we have decided to formally give you until OCTOBER 15 2023 to pay and/ or settle your said unpaid account directly at any PNB branch over the counter or through online banking/ Gcash or any Sm payment center.
Call us asap if you want to avail the maximum discount.
Please consider this as our FINAL DEMAND
Thank you and Best Regards
Legit po ba ito?
Pro Tip, kapag sumulat ang CA na alam naman nila na illegal di nila ilalagay ang company name nila. Or lalagyan nila ng "possible" "maybe" etc
Delete