Got permission from one of the defaulter na nagemail sa akin ng decided case ng BPI sa kanya, oh siya basahin niyo nalang lol.
As we always said in this blog, SA COURT MAS LEGAL, FORMAL AND FAIR. Bakit ayaw ng mga CA doon? NOT ALL BANK FILED A CASE AND ITS THEIR END. Once my decision na ang court, hindi na sila pwede makipag negotiate sayo at kaw na magdidirect na sa bank makipagusap kung willing ka isettle or PAY WHEN ABLE. Kapag wala edi wala.
Marami na po ang my decided case, nakulong ba? HINDI. Anyare? BACK READ KA.
Bakit may mga defaulter pa din takot pa din sa CA at sa demand letter? KASI THEY CANNOT ACCEPT THE FACT THAT THEY CAN NO LONGER TO PAY kahit alam nilang lubog na sila. AND hindi sila marunong magbackread lol.
As posted, mga bank na nagdedemanda.
ReplyDeleteBPI, BDO, HSBC, CITI, RCBC, Chinabank and Security Bank
Mga bank na wala sa book nila magdemanda
EWB, METROBANK, PNB, BOC, Maybank
MABAIT magbigay ng AMNESTY galing mismo sa recovery department nila
-Eastwest Bank- my friend paid her 200k default for just 5,000pesos after 5years of being default.
KURIPOT magbigay ng AMNESTY
-Metrobank at Security Bank
Minsan ang pagdedemanda nila ay depende sa amount default kaya sinasabi namin dito na swertehan lang. May mga nabasa ako post dito since 2015.
-May nademanda si BPI sa 50k default amount.
-Hindi nagdemanda si CITI sa 250k default amount
how about ubp po?
Deletehow about unionbank po?
DeleteKahit po b matagal na, hindi p rin nabubura sori po new bie here pasensya po s tanong q now po kasi bigla aq may.natatanggap n mga tex at tawag to think nn13 yrs ago n mga cc q
Delete@Anonymous, WALA PA PO POSTED NA NADEDEMANDA SI UBP.
Delete@Anonymous, 13yrs na po, kung seryoso ang banko noon ka pa nademanda. 10yrs lang po ang validity ng utang sa credit card.
Hello po, defaulter po ako ni RCBC for five months po, and si BPI ganun din Kasi po I have four comorbidities kay napupunta sa gamot ko po ang pambayad ko Dapat sa cards. Ang tanong ko po, Ilang months po ba na defaulter Bago ka Ma file ng civil case po?
DeleteGOLDEN RULE PARA MAKAMOVE ON.
ReplyDelete-Accept the fact that you can no longer to pay.
-Tell to your family about your dillema, it will set you FREE. Why? kasi kapag nalaman ng mga CA na takot ka, yun gagamitin nila para iharass ka.
-MOVE ON. Forget the DEBT but NOT THE LESSON.
Kinakape
ReplyDeleteKasama ba ang spouse nya sa demanda? Thanks
ReplyDelete"...or until it's effectivity expires." Kelan nag eexpire ang writ of execution or final court order? Thanks
ReplyDeleteI got the same notice 15 years ago kaya BPI na lang ang di ko nababayaran na utang ko.
DeleteAyoko tumawag sa BPI to make an arrangement kasi if di kami magkasundo, they already have a writ on their side.
May nakakausap ako na walang expiry ang writ, while meron nagsasabi na amy expiry sya ng 10 years.
Anyway, I would have probably avoided that if I answered the calls and discovered this group earlier.
@briansurewood what do you mean po sa answered calls? t.y.
DeleteRule 39 Section 6. Execution by motion or by independent action. — A final and executory judgment or order may be executed on motion within five (5) years from the date of its entry. After the lapse of such time, and before it is barred by the statute of limitations, a judgment may be enforced by action. The revived judgment may also be enforced by motion within five (5) years from the date of its entry and thereafter by action before it is barred by the statute of limitations. (6a)
Delete@briansurewood Did they ever get something from you? Real property or anything? Was your spouse included in the order? Thanks
Delete@spiderman,
DeleteYeah, I am awar of that. In my case, the writ was executed and I was garnished. That applies to writs that were never enforced. Since mine was enforced, it remains active.
@anonymous,
DeleteI changed my number when I defaulted, so di ako ma-contact over the phone.
Nalaman ko na lang may civil case na ko. If I talked to BPI, I may hav avoided that.
@Kinakape,
DeleteThey garnished my bank account. Walang property na nakuha. Wala ako asawa.
True. Rule 39, Section 14 of the Rules of Court provides:
DeleteSec. 14. Return of writ of execution. – The officer shall make a report to the court every (30) days on the proceedings taken thereon until the judgment is satisfied in full, or its effectivity expires.
However, for practical and other known reasons, once served and reported with " No assets can be found" , the sheriff (and the bank) no longer follows it up monthly. (imagine even just 100,000 accounts for a sheriff to follow it up monthly from beginning to end would be too burdensome)
@anonymous Any idea on how do the sheriff find real estate properties?
DeletePano po nila nalalaman kung may mga assets ka..?
Delete@anonymous
DeletePaexplain nman po
No assets can be found" , the sheriff (and the bank) no longer follows it up monthly. (imagine even just 100,000 accounts for a sheriff to follow it up monthly from beginning to end would be too burdensome)
Tuwing kelan po sila magcheck ng bank account?
@briansurewood, nakareceive ka po ba ng summons from court na may case kna from BPI? Diba they cannot file if not received by the defaulter? Or nag push through parin ang case kahit not received by you? I defaulted my BPI dn kc since 2015 almost 800k dn. I changed my number and returned back to province na. Apartment q na nka address before was at makati. Currently working but di Pa kaya magbayad talaga.
Delete@briansurewood did you have any defaultts with other banks? How did you approach the problem? Thanks for sharing
ReplyDeletePasensya napo..pwede po paki explain ng tagalog or mas maintindihan ung nasa letter ng bpi sa writ of execution.medyo mahirap po kasi intindihin ung ibang terms..kahit short explanation lang po..salamat po..
ReplyDeleteAng sabi, ipatupad Ang decision na mag bayad ng utang. Kung walang Pera o kayamanan, mag report si sheriff kada buwan Hanggang ma bayaran( kahit forever pa 😁
DeleteHello @banker kamusta po kayo?
Deletemeron na po ba kayo nakausap na naka experience na may nagpuntang Sheriff sa bahay po at nag check ng mga gamit po o nakipagusap sa sheriff para itanong kung ano makukuha? May ganun po ba?
AnonymousMonday, July 31, 2023 at 10:20:00 AM GMT+8,
DeleteIn theory, yes.
In practice, no.
what will the bank profit if it gets your old electric fan? o kaya rice cooker?
isa pa, sa daming trabaho ni sheriff, he just send notices to banks. tipid pa sa time. lol!
@banker maraming salamat po sa pagsagot po!
Delete@banker pano po Kung may sasakyan. Pano po malalaman ni sheriff?
DeleteHello question lng po.. may civil case din po aq sa bpi since 2018 and now wala p nmn po q narereceive n ganyang letter.. except lang po sa isang CA.. now ang inaalala q po kc nag apply po aq work then natanggap kaso ang payroll po nila is bpi.. paano po kya un malalaman po ba ng company na papasukan q na may civil case aq sa bpi? d kaya po ireject nila q pag nalaman nila na may utang aq kay bpi or hindi aq mabigyan ng payroll account dahil a civil case q... sana po may mkasagot sa question q.. salamat po 😔😔
ReplyDeleteKung aalamin ng kumpanya malalaman nila. Pag nagka writ ka na garnished malamang sweldo mo pero Im not sure.
Delete@Sad Girl,
DeleteMay mga companies na hindi tumatanggap ng mga applicants na may utang. Usually, ang mga companies na ganyan may backrgound check. Posible di sila nagcheck.
Now, kung malaman, wala naman effect yan palagay ko, unless you are working for a financial institution.
Btw, withdraw your money and transfer it to a different bank under a different name. If BPI filed a case against you, makakakuha ka na din ng ganyan soon.
@BrianSureWood yun na garnish po ba sa inyo na account one time po ba? Savings account ninyo po talaga? Na offset po ba yun utang po dun sa na garnish po nila? Salamat po
Delete@brianSureWood.. in your experience po, ilan beses po may nakuha sa bank account mo po, kelan po last na nakuhaan ka po? Kinontak ka po ba ng sheriff, pumunta po ba yun sheriff sa bahay ninyo po para mag check at kumuha ng gamit? Nakapag invest ka po ba under your name ng mga properties po? Pasensya na po madami tanong, sana po masagot. Salamat po.
ReplyDelete@briansurewood
ReplyDeletePaki explain naman po
That applies to writs that were never enforced. Since mine was enforced, it remains active.
Pano po pag enforced...
@anonymous,
DeleteAng ibig ko po sabihin eh yung mga writ na hindi nakahanap ng kukunin sa defaulter. Wala po nahanap so the writ was not enforced.
@briansurewood
DeleteAhhh salamat po...
Malaki po ba na garnish sa inyo? Ilang beses po ngyari? Na offset po ba yun utang po? Pumunta po ba sheriff sa bahay ninyo po?
halimbawa po ba mag ka writ of execution tapos may bahay na hinuhulugan under pag ibig possible ba na i garnished nila yun?
ReplyDelete@Anonymous,
DeleteDi po nila.pwede kunin yun dahil wala pa naman po yung titulo dahil hinuhulugan nyo pa yung bahay.
And the bank can only take what you owe. If you owe 5p0k and your house worth 1.5 million, di naman nila.pwede kunin yan.
Sana po may makasagot sa kung pano nalalaman ng sheriff kung may properties na makukuha sayo if ever matalo sa case.thanks po
ReplyDelete@Anonymous,
DeleteHow much po ba ang utang nyo? Wala pa naman po ako nababasa o naririnig na pati property nagarnish.
Kung ang utang nyo po ay mas malaki sa amount, maari po siguro kunin KUNG makikita.
Hindi po basta basta makikita yan kasi madami po defaulter.
Hahanapin pa po ng Sheriff yan which could take time.
Hindi nakikita kagad? Ibig po sabihin hindi po sila nag pupunta sa house Para mag check ng gamit?
DeleteNgkaroon nga ng chance mga CA n manakot kasi nakukuha nila info dahil nkaregister n mgansim, now ilang tawag at tex n natanggap q
ReplyDeletetrue ito. bigla na meron tumawag sa akin sa utang ko na almost 13 years ago na. dahil diyan sa sim reg na yan. ano ni-leak ng Telco yung phone number. nasaan na yung data privacy.
Delete@brian paano po kung lagyan ng writ of attachment sa registry of deeds yung real estate property and once paid atsaka nila ienforce yung writ of execution to take the property or sell it to get a portion of the amount to get the proceeds in the order of the court?
ReplyDelete@ Sir Sonnix Haven pedi ko po mahingi ung contact ni Sir Banker. I am really depress right now about may debt. two months defaulted and medyo bothered talaga ako - MsNobdy
ReplyDeleteyou may email directly diskarteguide@gmail.com
Deletekalma lang.
Salamat po Sir Sonnix sobrang relief po ako., susundin ko po yung diskarte nyo.. salamat po talaga sa adivce - Ms Nobdy.. see you po this November..
Deletegood day po
ReplyDeletemalalaman ba natin if ever kinasuhan na ng bank or may decision na sa case?
salamat po sa lahat ng bumubuo ng blog nato.
@anonymous yes po makakareceive ka po ng mga notice galing korte...
Delete@AnonymousMonday, July 31, 2023 at 3:44:00 PM GMT+8
DeleteYes kung nakapag back read ka sa mga old posts. madalas na describe nila isang makapal na sulat na nakalagay sa parang brown na sobre na galing mismo sa korte.
I would like to point out a couple of things from my experience about the writ of execution and garnishment as I think some need to be discussed.
ReplyDeleteI mean no disrespect to Mr.Kabado2 as we all want the same thing, and that is for the threats to defaulters to stop, but some of my statements will contradict some of the things he posted on this thread. Again, I mean no disrespect. This is another side I want to show.
I've been here for more about 14 years alrrady, and I totally agree bringing it to court is the one of the best things to do, as it will be surely above board.
However, a bank bringing it to court is also one of the worst things that can happen to you.
I say it's one of the worst because once a writ of execution is handed down, that basically means the full force of the law is now with the bank.
Contrary to what Mr.Kabado2 says, the bank and the collection agency has the upper hand in negotiating your case, as they have a court decision they can show you.
And you still have to negotiate with the collections agency, especially if they were the ones the bank assigned to file the case against you. Yes, they either assign their internal collections or a 3rd party to file civil cases. Di ko na papangalanan yung law firm/collections agency that BPI assigned, but I definitely hate those guys.
My case was handled by a 3rd Party Collections Agency, which BPI kept pointing me to when I was trying to negotiate with on how to settle the amount. And the collections agency refused the amounts I proposed. When they did agree, gusto nila one time payment.
I have settled all my defaulted cards and loans, except BPI, because I do not know how to approach them to get amount I want to pay, or just walk away if we cannot make the deal.
With my other cards that didn't file a case, it was easier. I can tell them I cannot afford that amount and they just say "Di ka naman pinipilit magbayad" because they know the time to file a case already lapsed. Becauee of that, I can negotiate an amount I want and can afford to pay.
Excluding debts I settled from 2011-2014, I only paid around 160k of a debt over 1 million pesos from defaulted cards And loans last 2022. I was able to do that because the banks knew they can't do anything anymore.
I think I can't do that with BPI. Or if I can, it won't be that easy.
I am afraid that if we do not come to an agreement, they would order a search of my assets and properties.
The good news is, the garnishment was a one-time thing, probably because sa dami ng nagdefault, a sheriff cannot keep on searching for your properties.
That is it for now. I have a few more stories to post that might be of help.
thanks for sharing your story @BrianSureWood.
Deletethere are multiple, and at times differing "diskartes" in handling our unique situations. we have to make the call what we think is best given our circumstances. I am more of mix and match. 😊
I believe you meant no disrespect at all.
I look forward to hear your other "few more stories". I am sure those would help many others too.
But for now, I appreciate if you can clarify few points:
- what were your strategies to bid your time and reached the point when banks could no longer file cases?
- how many years would be required to arrive that point?
- is it the notorious SP Madrid that handles you BPI account?
- were there other assets that were garnished?
- were you ever garnished (bank accounts)?
Thanks in advance, and hope to see you in November.
@Sonnixx Haven,
DeleteHere are my answers
- What were your strategies to bid your time and reached the point when banks could no longer file cases?
- It was not really a strategy since I have been meaning to payn since 2011. Ang una ko binayaran was my Citibank, then AIG (EastWest) a few months after.
I had every intention to pay, the problem was I was afraid that by paying one bank, it might trigger some banks to locate me and call me again. Kahit nga yung Metrobank ko, binayaran ko lang sya when my office changed banks for payroll. That was the only time I contacted them.
Nobody called me afer that because I think it had been too long and some banks cannot locate me anymore. I also moved in 2012 and lived on my own.
I just wanted to settle because I knew it would be easier to get loans again. And kakabasa ko dito sa blog na 7 years or 10 years ang period to file cases, I knew I had the advantage since the bank cannot file cases anymore.
- how many years would be required to arrive that point?
- As far as I know it is just seven years and banks cannot file cases anymore.
- is it the notorious SP Madrid that handles you BPI account?
- I cannot reveal the name because they might be here and I am very superstitious that I am afraid to mention their name.
SP Madrid is notorious for harrassing people, but those firms who file cases do not even get mentioned here in this group. I could be wrong but I have never seen the name of the firm who filed the case against me in this group.
- were there other assets that were garnished?
- Just my 35k. Wala na.
- were you ever garnished (bank accounts)?
- My BDO bank account was garnished. 35k. All the money I had that time.
@BrianSureWood Did you or your family member receive the summons from court about your case? Diba the case won’t prosper if you did not properly received it..
Delete@Anonymous,
DeleteGood question!
My uncle, who I did not get along with, received it on my behalf, kaya umusad yung case. Yun.
@BrianSureWood.. hello po, just wanna clarify, so if walang nag receive Ng letter.... possible na Hindi natuloy ang case?
Delete@briansurewoord savings mo po ba yun 35k or payroll po? Nalaman mo po ba agad na nagarnish? Kelan po yun nagarnish after mo mareceive yun writ of execution?
Delete@briansurewood nun nawala po yun 35k sa account mo po, tumawag ka pa po ba sa bank mo? pano mo po nalaman na yun na po yun pag garnish?
Delete@anonymous,
DeleteI found out when I took a look at my account wala na pera then I called BDO.
@BrianSureWood thank you for sharing your experience.
DeleteThis is why I never change my SIM or mobile # kasi I have all the intention naman din to settle.
Alam ko super naka anxiety at nakaka praning ang mga calls at na share ko an experience ko dito how at paano ako kinulit to the point na nag call talaga sa HR ( good thing marunong sumagot ang HR namin at barado agad collection agency wala pakels office namin sa personal matters). pero isip ko yun ang declared numbers ko so doon ako ma contact if and when may pa amnesty ang mga banks or kung ready na ako makipag negotiate.
True enough mga beshy nun ready na ako to settle saktohan nag text si Eastwest bank at napaka generous aarte pa ba ako? bukod sa text nag email din. kaya grab ko na kasi may extra naman para to settle.
Tama si @BrianSureWood yun feeling baka pag naka pag settle ka sa isa eh isa isa na silang mag contact sa atin(lol) pero thankful ako sa blog na eto kasi dito ko nalaman ang diskarte na need unahin yun mga banks na nag demanda. kaya RCBC next ko settle.
At the moment tuwing nakipag negotiate ako kay Security bank at ayaw talaga sa alok ko amount ginagamit ko yun money to pay other CC ko. I still have a few to go. kaya ang diskarte ko is to withdraw agad sa bank ko lipat sa digital banks at cooperative bank.
hi @BrianSureWood, ano ibig mo po sabihin na one time garnishment lang? as in 1 month salary lang? mine kc sa landbank until now naka hold pa rin dahil sa payroll garnishment na nag start nun May 30, 2023.. after ng 1 time garnishment sa iyo, ok na ulit ang payroll mo?
DeleteSir, sa LBP dn ako nagttrabaho, natakot tuloy ako na baka maging pareho po ng case ko ung sa inyo. Pwde po bng malaman kung san kayo pwdeng kontakin?
Delete@BrianSureWood after your BDO being garnished nakapag deposit or nagamit mo pa po ba yung Acct ?
ReplyDelete@anonymous,
DeleteNope. Di ko na ginamit.
I just received my update credit report from Transunion and the results, while still not satisfactory in my eyes, looks optimistic.
ReplyDeleteThe first time I applied, i was tagged as Very High Risk. Now, I am tagged as Medium Risk.
Congrats on the TU upgrade.
DeleteHow much is your total debt with BPI?
@Anonymous,
DeleteNasa million when the writ was handed down. Nasa 10 million na yan mahigit malamang.
@BriaSurewood, OMG 10Million po sa Credit Card? Due to excessive interest po ba to?? kahit na default na ayaw pa din mag stop Ng MGA charges, kalurkey! Sana may batas din na mag default lahat pati charges at interest once cancelled ang CC😔
Delete@briansurewood after po ng writ of execution and na ma garnish po yun 35k mo po. May mga properties ka po ba na nainvest o plan mo pa po ba mag invest? Paano po pag gusto na po natin maginvest in the future, hindi na po kaya tayo hahabulin?
ReplyDeleteHello po Is there someone here na nademanda ng security bank? defaulter po since last year umabot na po sa 300k dahil sa interest. and i’m afraid na magfile sila ng case sakin nasa abroad na po ako and ung family ko po kasi hindi alam ang situation ko. dati nakikipagnegotiate pa ko na baka pwede na tanggalin na naila kasi mga nasa 100k lang talaga ang amount na utang ko pero ayaw nila kaya hindi ko na sila ulit inemail and hindi ko nadin binubuksan ung email nila sakin paiba iba na nga sila ng mga CA na nageemail sakin. ask ko lang if meron po
ReplyDeletemay experience dito na security bank. thanks!
@Anonymous,
DeleteYes po Security Bank sues. And with what you owe it is almost certain they will file a case.
If I were you, I will open the email and talk to them.
This is a classic example of what I've been saying here, regardless of whether you intend to pay or not, it is better to know what their next move is
Ang maganda, sabihin mo na family mo so they don't have to receive the summons. Kung nagdemanda na at nareceive na, you designate someone to talk on your behalf or represent you in a small claims hearing.
Kung wala ka naman balak magbayad, pwede mo na din ignore hayaan mo na.
@BrianSureWood.. hello po, just wanna clarify, so if walang nag receive Ng letter.... possible walang case na natuloy?
ReplyDelete@Anonymous,
DeleteI cannot say for sure since di po ako lawyer. Pero there needs to be an acknowledgement that you have received it whether thru the sheriiff or someone who will give it to you.
Hello! Napadalhan na ko ng Sum of Money keme (aka the makapal na papel) ng isang bank after 3 years ng 1M utang sa kanila.
ReplyDeleteBaka may makapagshare naman ng next steps. Kahit ba wag ko nang siputin? Hearing is in 2 weeks. If di naman ako pumunta, may judgment rin naman diba?
May ilan pala akong assets (real property): house and lot sa Metro Manila na inherited ko 15 years ago, 2 condo (isa dun naka bank amort pa). Di ko alam alin dun yung family home na matatawag (di raw seizable yun). Magriresearch rin ako online kung may similar cases. May bank accounts akong minimaintain for payroll and mostly digital banks. Walang laman lahat haha. Transfer transfer kasi agad.
Pashare naman ng experiences. Thanks!
Inunahan ko na habang wala pang kaso. I already transferred my property docs to my sons name and vehicles registrations to my brothers name. Maski paulit ulit na sinasabi na banks go for the money mas kampante na ako na wala sila makukuha maski anong gawin nila. Kinakape ako dun sa writ of preliminary attachment. Pag nakabawi ako in the future then I would settle with them.
DeleteToo young pa yung kids ko eh. Eldest ko wala pang double digits.
Delete@ Kinakape,
Deletefor your peace of mind, I would agree.
However, IF the bank would really run after your assets, that would be fraud (Art. 1387) kaya may preliminary attachments if ever.
HOWEVER, we go only for deposits due to many practical reason.
kaya, still nothing to worry. lol!
@banker ano po ba yun preliminary attachments po? pwede po paki explain? salamat po
Delete@Puzzled-7108 Hi ano bank ng file ng case?
ReplyDelete@Puzzled-7108 May we know sino pong bank ung nagfile nang case sau??..
ReplyDeleteHello yung bank na we find ways hehe, pero skeptical pala ako kasi downloadable lang pala yung MTC forms sa web. Possible na fake rin pala yun, but who knows? Ang malabo pa dun was may amnesty email from a popular CA na magaling mangharrass a few days ago pa kong natanggap. The so-called summon was dated a month before the amnesty e-mail. Ang daming details rin coming from another bank I have beef with (maling company name spelling, and sure ako na dun lang sa bank na yun yung may ganung info). Parang di na rin tuloy ako convinced na legit case yun. If ever man, I was advised na wag na lang puntahan... bahala na si Batman.
Deleteopo if mag seasearch kayo nang forms available talaga sila.. pero sino po nag padala sainyo? postmaster po ba??.
DeleteHi may I know kung anong bank po ito? thank you
Delete@Puzzled-7108,
DeleteKung may nakalagay na court branch and yung details ng kaso mo ay naka-attach, you can call the court and confirm that.
As for the email you got, posible na makatanggap ka pa rin ng arrangement since wala pa naman kaso. Malamang sila din yun.
Good pm po nabasa ko po dito na para hindi po ma garnish ang account gumamit po ng ibang name,what if yung account na ioopen is under ng name ng mga kids po,possible po bang ma garnish po ito like if the savings is fromm their relatives,thank you po
ReplyDeleteHi mga KADISKARTE! Are digital banks like Gotyme bank exempted from garnishment? TIA
ReplyDelete@BrianSureWood When did the CA home visits and calls stop in regards with your BPI default?
ReplyDelete@Kinakape,
DeleteDi ko na matandaan. I previously mentioned I changed numbers to avoid them, which was a total mistake on my part. I had no idea of when and what their moves were since they can't contact me.
They would have filed a case regardless dahil wala naman ako ibabayad talaga pero I could have probably negotiated a better deal if I knew.
Hello po mga kadiskarte baka meron po makapagshare ng experience sa HSBC nababasa ko po kasi dito na nag-fifile sila ng case but wala pa akong nababasa nag share ng experience sa HSBC. 200K po default ko sa kanila.
ReplyDeletehello. may posted dito na nademanda sila meron din na hindi sila nademanda. minsan kasi swertehan lang talaga sa HSBC.
Delete@Mr.Kabado2 Thank you po. Sana maswertehan di mademanda hehehehe....
DeleteTO EVERYONE,
ReplyDeletethe post above AND ALL THE DISKARTE IS FOR THOSE DEFAULTERS NA WALANG WALA TALAGA. Just like said ng iba, kung may pera ka naman at umahon ka, pwede mo naman sila balikan pero kung walang wala ka talaga at struggle pa din bakit niyo pa pipilitin magbayad.
ANG LAGING PAYO ni banker, YOUR PARANOIA WILL NOT STOP IF PATULOY KAYO MANINIWALA SA MGA KOLEKTOR.
@BrianSureWood
ReplyDeleteI know you left your parents home but how many times did CAs come to your home before the court case? And when you got the decision did they still came to your home? Thanks for sharing
@Kinakape,
DeleteI have no idea how many times. At least twice but definitely more than that. Like I said, I avoided them.
I discovered the day after I got garnished kaka-Google ko.
Hello po good day ask ko lang po if ever po ba na file na ung case and my summon na ..hindi na po ba pwedeng makipag bargaining sa bank
ReplyDelete@Anonymous,
DeletePwede po kayo makipag-usap sa bank kahit may na-file na.
Kapag ganun po, the bank will inform the court that you have come to an agreement.
Pwede maski kelan. Before During or After Maski after 10, 15 or 30 years. Kung naka angat na at may pambayad na magbayad na tayo. Kung di pa kalma lang muna.
DeleteHi anyone who received the same email? Pupunta tlga sila sa day na sinabi nila? Sabi nila punta daw sila august 8
ReplyDeletePag pumunta yan babayaran ko lahat ng utang mo lol
DeleteKalma lang.
ReplyDeletehttps://www.paladinslaw.org/single-post/there-s-no-escaping-debts-or-is-there-summons-by-publication-part-3
ano po ang summary nya?.. medyo ndi ko po gets hehe
DeleteNung article po? Ung mga pwd gawin ng bank/CA pag umalis ng bahay ung defaulter
DeleteNagtataka lang po ako sil pa lang ung CA na nagsabi kelan sila pupunta. Licayo law firm. Nireplyan ko sabi ko dala cla legal documents pag dumating pag wla d ko cla entertain. Tawag nalang daw ako kat atty james licayu
Deletehello po may naka encounter na po ba sa inyo sa CA na Receiver and Liquidators Inc? kamusta po sila maging CA? thank you po
ReplyDeleteMeron po ako unpaid credit card debt n nasa 450,000 pesos na.. ngayun naiforward n ni security bank sa collection agency..
ReplyDeleteAnu po next step ni bank?
Possible ba n makasuhan ako..
Isa po akong OFW seabased.
Makaka apekto po kaya ito saaking work..
Thank you po..
Next step is collections. Then depende sa bangko kakasuhan ka ng bank for sum of money. Dont worry about sa work being a seafarer pwede ka lumipat anytime ng agency. Opisyal ka ba?
Delete@Asahi,
ReplyDeleteAlmost sure na kakasuhan ng SB based sa amount.
Now, hindi makakaapekto sa work mo yan. It should not.
Hello po mga ilang Mos po Kaya bago mag file ng case ang security bank at rcbc almost same po silang defaulted ako ng 450k each..
Delete@briansurewood
ReplyDeleteTanong ko lang po sana ilan months po bago nagfile sainu c bpi 1 month past due ko na sa knila actually mtgal ng min. Amount due na lng naibabayad ko pero last July 27 di ko na tlga kaya magbayad khit min dahil sobrang bagsak ng finances ko..worried lang ako both senior na mga parents ko baka ilan months lang kasuhan na nila ako,huhu..although alam nmn sa Bahay nmn na may mga utang nga ako sa mga CC pang 10 cc ko c bpi na nadefault so far ung 9 puro pananakot lng ni CA wlang katapusan demand letter text at tawag dati sobrang knkbhan ako pag may marerecieve akong txt at tawag tapos ung letters pa slmat tlga sa lahat ng bumubuo ng blog na to..balang araw makakaahon din taung lahat..pray lng lagi Kay LORD
@Hope,
DeleteDi ko na po matandaan, pero by estimate nga 2 years after ghe default. Depende sa Judge, maaring abutin ng 1-2 years bago magkaroon ng ruling.
@briansurewood
ReplyDeleteSalamat sir sa pagsagot..sana lng dis year mkaabroad nako pra at least 1 year lng na Hindi ako mkbyad sa knila at bka sakali may offer na mababa c CA igrab ko din bsta kaya na
Hi po, update ko po kayo.. i got almost 23 missed calls kahapon, stressed pa rin po so I decided not to take their calls still, minsan sinasagot ko pero most often ndi. nag apply po ako nung IDRP pero sad to say need nila nang co maker wich I cannot provide..I emailed Lead Bank na ndi ako makapag provide nang co maker, thanks po kay Sir Sonnixx sa mga offline advices..as of now waiting sa kung ano man pong mangyari this monday almost 3mos default po ako with EWB and MB with both 200k+ amt...Always pray to God na malagpasan ko po at makaraos sa utang, may sinsettle pa po akong 3 other cards na naka settlements at ndi pa ko default and hoping na ndi maapektuhan.. any advice po?..Thanks alot po sa bumubuo nang blog na to and sa mga shared exp..
ReplyDeleteMs.Nobdy,, sa Una lang yan mga ganyan ang mga CẢ makakaranas kapa ng mga pananakot dyan sa Lintik na CẢ nayan. Ganyan din ako dati Hindi Pa ako makatulog. Hangang sa nakita ko ang Blog na Ito. Backread kalang, sabi nga ng mga master natin dito,, PAG WALANG PANBAYAD EH D’WALA. Pag Meron na saka mo balikan sila. Sakin nga millions Pa eh, Eto nalang ang magic words, walang nakukulong sa Hindi pagbabayad ng credit Card,Tuloy lang ang buhay.,
DeleteMs Nobdy,
DeleteAng mapapayo ko po ay sagutin nyo at sabihin nyo wala kayo mababayad sa ngayon at tatawag na lang kayo pag meron na ibabayad. Kung kulitin man kayo nyan, it won't be for another few months.
@BrianSureWood @Anonymous Maraming salamat po sa advices..sobrang Thankfull po ako na nahanap ko po itong blog na to..naiibsan ang aking depression.. at tama po kayo laban lang at diskarte is the key.
ReplyDeleteHi. Not CC related. Tanong ko lang if may default account ka sa homecredit, affected na rin ba ang application mo sa mga postpaid plans like globe/smart? Thanks.
ReplyDelete@ciansy It shouldnt affect postpaid plans
Deletemay defaulted amount akong 30k sa cc ko sa PNB itong si RNL na CA ang kulit nakailang reply na ako na wala pa akong pambayad araw araw nananakot na mag fafile ng case sa akin at pag na file na daw yun i gagarnish daw nila yung gamit pera at ari arian ko kaloka lakas manakot.
ReplyDeleteQuestion lang po:
ReplyDeleteSa wakas po may konting kakayahan na po ako makapagbayad, pero meron pa po kayang paraan para ma-waive po yung interes na nagaccumulate over the years? Paano po kaya ipa-waive yun or posible po kaya yun? Sobrang laki na rin po kasi.
Salamat po.
@Anonymous,
DeleteWala po technique. Kausapin nyo lang yung bank o agency na eto lang ang kaya nyo ibayad.
Pag nagkasundo, make sure documented. Pag hindi, try ulit ndxt time.
How about garnishment of money in digital banks such as GCash / CIMB meron na bang naka-encounter ng ganito? Or sa mga major banks lang naggarnish ang court?
ReplyDeleteIt's been a while po since un huling msg ko sa inyo about my defaulted amount kay unionbank.
ReplyDeleteIt's been 6yrs nadin un defaulted amount ko sa unionbank, nsa collections na ng summit ang account ko. Giving me 3calendar days to pay 850k. It's stressing me nnman po. Today nag email nnman sila nagbabanta na magfile sila legal action against me. Ask ko lang po if ever gusto ko iclear ito sa bank po ba ako dapat magpatulong? 150k credit limit ko pero dahil 6yrs na ito na hndi nabayaran 800k na daw po. Please po help me for any suggestions.
@anonymous.. na taga LBP din.. same here LBP payroll acct na meron na garnishment.. kung meron ka po tanong na kinababahala nyo pwede nyo po ako i email at ma ishare ko po kanarasan ko sa inyo.. ydfbalderama@gmail.com
ReplyDelete@May_utang kamusta na po ung case nyo po. Any update po ?
Delete@May_utang ilang beses nagarnish LBP payroll mo?
Delete@kinakape.. nag start po nun May 30, 2023 gang ngayon. naka hold salaries namin mag asawa, naka current balance sa acct.. may nabasa ako dito na one time lang daw na garnish ang payroll nya. ano kayang one time yun? 1 month salary lang?
Delete@May_utang nag try na po kayo lumapit sa PCC, ngayon PAC na regarding sa payroll garnishment ninyo.. nakapag file na po ba kayo nang motion or ndi na talaga pedi?
DeleteHello, ako ung una nagpost na nakatanggap ng sulat galing Licayu Law firm, sabi today daw la darating, so far wala pa naman.
ReplyDeleteTapos meron pa ako isa email natanggap galing RGS, una sabi may promo daw cla na amnesty, nung d nako sumagot ang sabi may legal action daw sila gagawin. Nung nireplyan ko cla sa email sabi ko padalhan muna nila ako updated na soa tyaka ko nilagay sa cc ng email si bsp, di na cla magreply.
hello po ano po kaya maganda i reply sa CA na 3 beses kung mag email ang email naman po nila ay for filing na daw ng case at mag sesend daw sila ng letter of attorney sa employer ko at mag file ng baranggay complaint.
ReplyDeleteHello po matagal na po ako silent reader dito sa blog and sobrng nakatulong po ito sakin na mabawasan ung stress sa pgiisip ko sa defaulted cards ko. I have 2 defaulted cards Metrobank and BPI. Ang utang ko po sa BPI ay nasa 600k. Question ko lng po sana paano po kung mgdemanda sila BPI, tpos mgkaron ng order for writ, ung bahay po kasi namin nkapangalan sakin noong dalaga pa ako, tapos ngayon may asawa at anak na ako dito po kami nakatira, possible po ba na kuhanin nila ito pag nagkaron ng court order? Sa ngayon almost 2 years n aq defaulter and CA plang natawag sakin pero I am worried po kasi sa bahay namin. Sana po matulungan niyo po masagot maraning salamat po
ReplyDeleteHelp po. Dahil sa mga CA na nagbabanta na pupunta sa bahay namin, at knowing na mag eeskandalo, pakiramdam ko di nako safe sa sarili kong bahay
ReplyDelete@Anonymous,
DeleteIreklamo mo sa Barangay. Bakit ka matatakot eh bahay mo yan.
Pag sinabi nila na pupunta sila malamang hindi. Pag nag eskandalo tawag ka agad sa pulis sirain mo din araw nila
DeletePag sinabi nila na pupunta sila malamang hindi. Pag nag eskandalo tawag ka agad sa pulis sirain mo din araw nila
DeleteHello po. Almost 2 yrs na ako defaulter.
ReplyDeleteSecurity bank-200k+
metrobank-200k+
citibank-150k
Nag migrate na po ako. No plans of going back to the philippines pero yung family ko nasa pinas pa. I already told them my situation and sila yung nakaka receive ng letters and visits pero sinasabi lang nila na hindi na ako dun nakatira at yung mga letters kinukuha nila pero tinatapon nalang din. Paano po pag nag file ang bank ng small claims? Wala po kasi ako work dito sa abroad since ako nag aalaga sa mga anak ko might take another year bago ako maka work kapag nag aaral na yung bunso ko. Is it better to respond to them via email? kasi i receive their email pero di ko sila pinapansin kasi wala naman ako ibabayad.
Sabi ng parents ko medyo nabawasan na mga mga letters at nag vivisit pero lately napapansin ko napapadalas email nila sa akin.
Kumalma ka lang at alagaan mo ang anak mo. Yang utang utang lang yan. Mas importante na maging magulang ka ngayon sa anak mo.
DeleteHello po defaulted po ako sa metrobank pero nag eexpress po ako na willing ako magbayad ng kaya kong amount para maiclose ang account pero ayaw ni SP Madrid, kaya hindi kona muna kinontak ulit. Kapag po ba ngdemanda sila at result is garnishment ibig sabihin oo ba nun ang pera ko sa bdo pwede nila igarnish? kailangan po ba wala ka ng bank account para safe? paano po nila nakikita na may iba kang account sa ibang banks diba data privaacy yun?
ReplyDeleteWithdraw mo na yang BDO cash mo. Trabaho nila na hanapin lahat ng pwede nila makuha may court order sila.
Delete@BrianSureWood nakatanggap po ako ng email from the law office for BPI amnesty program, 1 time payment daw po ng 200k, pero di ko kaya yung amoubt that they are asking, should i reply? Please advise po
ReplyDeleteOffer the amount youre willing and able to pay. Magkano ba default mo sa kanila?
Delete@Anonymous,
DeleteKung di nyo po kaya bayaran, yun po ang sabihin or offer an amount and payment terms.
Kung wala po ibabayad, wala po talaga. Wala din naman sila magagawa. Wag po kayo mag-alala.
Hello po baka may makakatulong lang po may nareceive kasi akong final demand letter from SP Madrid para sa Metrobank Defaulted cc ko e wala po talaga ako ibayad sa ganun kalaki almost 400k hinihihingi nila, kapag po ba sinabi ko sa kanila via email na wala pa talaga akong pambayad at itinuloy nila ang civil case tapos ang decision is garnishment makukuha po ba ang kaunting pera ko sa bdo? posible po ba yun?
ReplyDeleteHello. Excempt po ba ang family home namin sa garnishment? Nagkaroon kasi ng notice of levy on execution ang tct ng lupa ng family home namin. Pag di daw po nag bayad ay papunta na sa execution sale yung property. Nagkaroon ng notice of levy on execution sa last page ng tct ng family home namin.
ReplyDelete@cyclops sa delinquent ccard holder ba nakapangalan ang TCT? Ang alam ko kapag levy is non payment of taxes. I might be wrong though.
DeleteYes naka pangalan po sa card holder yung tct
DeleteMagkano utang sa credit card ng may ari ng bahay nyo? As far as I know family homes are exempted pero may parameters.
Deletehello po consider as harrassment na po ba to? To BLACKLISTING to CCAP, LETTER OF ATTORNEY will be sent to your EMPLOYER and Barangay Complaint.
ReplyDeleteYes, it's a form of intimidation. Nung ako nireplyan ko sabi ko padalhan muna nila ako ng updated soa at ibang legal docs as per bsp circular 702, if wala cla sabi ko pwd ko cla report ng harassment saka ko sini-cc kay bsp ang email. Ayun d na sumagot
DeleteBaranggay? Considered yang scam
Deletenag email nanaman sila ulit ng ganyan sa akin, nakakainis na paulit ulit na di ko nalang nireplayan parang sanay na sanay sila sa ganyang gawain
DeleteAsk ko lng..if defaulter ka sa ibang banks..pero good payer nmn sa ibang bank sa cc..pag b mag loloan ako sa bank na kung saan ako good oayer makaka loan kya ako d kya nla malalaman na may default ako sa ibang mga banks
ReplyDeleteNegosyo ng bangko ang magpautang.
DeleteHi, based sa experience ko. Depende sa i-loan, if personal or housing loan. Hindi ma-approved. If against sa Credit Card like convert to cash, pwede po.
DeleteAgain, for personal, housing or car loan, depende pa rin sa officer na mag approve.
Your inaction indicates your malicious intent not to settle your Unionbank credit card account. We regret to inform you that we will be conducting an ocular inspection/ visitation either to your office or residence address for an assessment of your real and personal properties for the purpose of determining the practicality and viability of filing the appropriate complaint against you. Kindly disregard this message if payment has been made.
ReplyDeletesabay sabay nanaman silang mag email. ganado lahat ng CA ngayon. May batas lo kaya tayo dito na pwedng i reply sa kanila na bawal yang sinasabi nila?
Trabaho kasi nila maningil. Nasa iyo na yan kung paano mo kokontrolin ang response mo sa kanila.
DeleteHi, meron po makapagshare kung paano binayaran ang delinquent card sa BDO. Mav 4 years na and nasa collection agency. Can you please share your experience paano kayo nakipag negotiate? Sabi kasi ni CA un na ang approved amount. Pinasa na rin kasi ako sa kanila. Thank you in advance.
ReplyDelete@Lacus magkano delinquency mo sa BDO? 4 years na sa CA, nakakailang Final Demand Notice ka na? Salamat
DeleteNasa 80k po principal. 150k+ kapag kasama mga collection fees.
DeleteMarami na po final demand letter from CA. Pero ngayon from BDO nag offer ng payment arrangement, hindi pa nga lang po kaya. Si CA din makikipag usap, 3rd party nila.
Pati gabi nag cacall na po sila, naka 5 missed calls po sila.search ko ung number sa google lumalabas ay metrobank and 2 scammer.. Pray to God nalang ako na makaraos po tau sa pagkakabaon sa utang..😔
ReplyDeleteSame. Sa akin dati umaabot pang 200 missed calls. Naka silent lang phone ko. Minsan off ko muna.
DeleteI dont know pero sa lahat ng bank pinaka grabe ang taas ng UBP 2 years na akong defaulted sa kanila from 69k naging 250k na grabe. Kahit mag offer ng installment hindi ko papatusin sa sobrang taas.
ReplyDeleteMagandang madaling araw po, concern ko lang po un po palang metrobank ko before po ako nag default is dalawang beses ko po kasing napa balance conversion sa kagustihan ko po sanang settlement na eh ngaun nga ndi ako nakakabayad ay mieans ndi ko na po nasunod ung settlement ko po.. breach of contract po ba maituturing un.. through phone lang convo namin and wala akong pinirmahan?? help naman po.. medyo nag iisip nanaman po kasi ako..
ReplyDeleteHi Ms Nobody, Ganyan din nangyari sa BDO ko, around 170K to 190k (dahil minimum lang lagi bayad ko) nagpabalance convert ako, naging 300k+. Over the phone rin during pandemic to. 2 cards almost same amount. So naging 500k+. 3 years defaulted, hindi ko pa nababayaran.
DeleteTo answer your question, Yes.
Pero sa Sum of Money pa rin naman if ever magfile ng case.
Correction. Metrobank, not BDO.
DeleteMalaki nga rin po talaga utang ko po.. siguro kung pagsasama samahin nasa 700 to 800k+ po.. wala pa po yan sa CA, ung iba kaya ko pa po sanang isettle naka settlement po for 3 yrs.. pero sa liit po nang sahod ko naiwan ko po ung malalaking amount wich is 200k+ both sa MB and Ewb sobrang baon now..at alam ko kapag dumating sa years un sobrang lalaki pa..aminado po akong nagamit ko pa po ung lahat ccards except MB up to this year hanggang sa ndi ko na po kinayang bayaran, nakapatong patong na po utang ko plus inetrest..kaya sobrang down and worried po atalaga ako..
Deleteany advice po, ano pong peding gawin if ever mag sampa nang case one of the banks na defaulted na po akon and worried na rin po ako na baka ma-offset po ung payroll ko po-Ms Nbdy
Deletepls need ko lang po answer kasi medyo stress nanaman ako..
ReplyDeleteMay pambayad po ba kayo? Kung wala, pabayaan nyo na at wala naman na din talagang magagawa. Sabi nga po ng admins dito lalaya ka lang pag inamin mo sa sarili mo na wala ka namang pambayad.
Delete@lacus @ kinape salamat po sa advice..ganun din po kay Sir Sonnixx..naiibsan ang worries ko po..
ReplyDelete@ms Nobdy,
DeleteKung wala ka naman ibabayad, wala ka magagawa. If they call you, tell them the truth.
Now, if they sue, then they sue. That is now beyond your control. If you want to know what their next moves are so you can plan yours, just answer them or reply.
The good news is until your case is decided, you are still in a position to negotiate. The bank would rather deal with you than proceed with a case.
Now, if it happens and talagang wala, life goes on. People have survived. Plan again.
It took me a total of basically 16 years from the day I defaulted to pay off almost all of my debt. So there is life after it.
Pragmatic. Straightforward. Hopeful.
DeleteThere is more to life than being a CC defaulter. It is up to us on how we effectively manage the CA crooks. Be harassed, depressed, and at the brink of giving up? Nasa sa atin yun. Learning the right diskartes serves us well. So we learn. Backread. Backread.
Nakaya ng marami. Kayanin din natin.
tama po kayo, bakit po ako papastress kung wala po talagang magagawa sa ngayon..Diskarte lang po and ndi na po ako mag ooverthink.. try ko po isettle ung mga kaya ko pa po, and leave the rest, just manage CA Crooks. - Ms Nbody
Deletekukulitin ko po talaga collections dept ni Metrobank para magkaroon nang resutructure sa kanila.. inaalala ko po kasi ung Payroll din po namin is Metrobank and meron nga pong terms and conditions na nag ooffset sila - Ms Nbdy
Deleteano po bang magandang diskarte sa payroll para ndi ma offset?
DeleteTanong ko lang po defaulted po ako Kay bdo wala pang 1 year may account po ako sa knila kabayan savings nsa 100 pesos lang maintaining balance dis wik po magpapadala c ate ko sa account ko sa BDO Ang worry ko baka dko mkuha offset na agad ni bdo kpag naihulog na yung pera sana po may makasagot..thanks
ReplyDeleteMalamang lamang ma offset yan.
DeleteHigher chance na ma offset yan upon deposit, so much better deposit it sa account na wla kang default.
DeleteGrabe ang sipag ng receivers and liquidators mag email araw araw, tapos may mail pang sinend sa bahay
ReplyDeleteFYI our LITIGATION Team is now coordinating with BRGY. Capt. FOR possible BRGY. assistance to assist us when we serve the FINAL DEMAND LETTER to your declared Residential Address: /BUSINESS ADDRESS:
may naka experience na po ba sa inyong maging CA sila? ayaw ko na din kasi sagutin palagi parang lalo silang nangungulit eh
matagal na akong may default sa citi,metro bdo security,, ask lng ako pd pa kayangmag apply sa eastwest? maa aaproved ba? hindi ko na pababayaan pag maapproved ko, d ko na ipoapagamit sa iba at ipa max out
ReplyDeleteGaano katagal ka na defaulted?
DeleteIlang years na? If you have good credit score u will be approved. Just try, pero bka dhil sa kka-apply mo ma trace and mag file pa ng case sau.
DeleteHi Guys, anyone with experience makipag settle sa BDO pero 3rd party collection na? Nag ask kasi ako ung 90k at least 4 installment. Kaso discounted na raw yan. Hindi ko naman kaya one time. Ipapasala lang kasi ako if sa BDO tatawag. Thank you
Delete@Anonymous,
DeleteDepende po kung yang mga card nyo na defaulted ay laumalabs sa credit report. Most if cards you mentioned appear in both the CIBI and Transunion credit report so malabo.
You can try however.
At long last nabayaran ko rin ung isang EW CC ko. Pumayag na sa 5k from 120K na sinisingil sa akin ni CA.
ReplyDeleteI had been in default for almost 10 years na sa EW. Months na silang nangungulit lately. I stood by sa offer ko. One time payment lng at yan lang ang available ko right now. May nasagot na akong CA na if ayaw nila sa offer ko, ok lang na kunin na nila ung mga lumang electric fan at washing machine ko sa bahay. Napagod na cguro kasi same line lang binibigay ko lagi. Kesa nga naman na walang makolekta.
Ngayon antay ko ung certificate. Wag naman sana akong pahirapan at pag-intayin ng matagal.
1 down 5 to go.
Salamat Banker, Ms. Cherrilou and other admins. At least may konting ginhawang natamasa ngayon.
Sana pumayag din ung ibang CA ko sa mga remaining CCs ko.
10 years? Pasalamat sila nagbayad ka pa.
DeleteI am defaultee of BPI 7years na pero nung July 3 lang lumabas yung Writ of Execution and now all my accounts in Union Bank ay naka freeze! Sabi ng branch manager ay may court order daw so I think ito na yung for garnishment? What to do next? Safe ba maglagay ng funds sa Digital Banks like CIMB, Gcash or Maya?
ReplyDelete@Debs,
DeleteOpen an account using someone else's name. Mother, Cather, Spouse, Sibling, Children then dun mo lagay pera mo.
@Debs was any of your real estate or personal properties garnished or attached to the court order? Magkano nakuha sa Union Bank acct mo?
Delete@Debs did you receive the summon from the court? And same address pa dn ba gamit mo since u defaulted it?
DeleteNag email po ba si manila bulletin? Ito po nag email sa akin
ReplyDeletemanilabulletin.publishingcorp@gmail.com
Totoo po ba ito?
NOTICE TO THE PUBLIC: THIS IS TO INFORM THE PUBLIC THAT xxxxx WHOSE NAME APPEARS ABOVE, CURRENTLY EMPLOYED AT xxxxc HAS A PENDING CIVIL AND CRIMINAL CASE FOR: ESTAFA (VIOLATION OF ARTICLE 315), QUALIFIED THEFT AND PENAL CODE PUNISHABLE BY IMPRISONMENT OF NOT MORE THAN 6 TO 10 YEARS, BLACKLISTED IN THE NBI (NATIONAL BUREAU OF INVESTIGATION) LOCAL AND INTERNATIONAL AND POSTED IN NDB LISTING WITH DEROGATORY RECORDS AT ANY GOVERNMENT INSTITUTIONS. ADMINISTRATIVE CASE 654 UNDER REVISED PENAL CODE. “CIVIL SERVICE LAW” R.A 6713 (SEC. 4 B – SEC. 7A).
CASE IN NOW PENDING AT THE CITY PROSECUTORS’ OFFICE OF QUEZON CITY PHILIPPINES WITH I.S NUMBER 03-5812.
This advertisement will be published for three (3) consecutive Sundays and it was paid by “ATTY. PAUL JOHN F. BARROSA” Do call him now at 09068541615 for more information or if you have concerns / queries.
Di po totoo yan.
Delete@gmail lolz
DeleteHello po, dedma lang po ba dito? bakit kelangan isama barangay?
ReplyDeleteATTENTION!
PNB CREDIT CARD HOLDER!
We have investigation team checking your properties under your name since your PNB Credit card account no. was endorsed in LITIGATION DEPARTMENT 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 have to settle the whole Outstanding Balance plus charges and interest and 30% ATTY’s Fee.
FYI our LITIGATION Team is now coordinating with BRGY. Capt. FOR possible BRGY. assistance to assist us when we serve the FINAL DEMAND LETTER to your declared Residential Address: /BUSINESS ADDRESS:
we will expect FULL SETTLEMENT of your account until AUGUST 2023 directly at any PNB Branch over the counter only.
Anong name ng collection agency?
Deleteanong collecting agency po ito? same na same ng email sa atin hahahahaha
DeleteMagkano utang mo po sa PNB? Ilang taon na?
DeleteBasta may baranggay 99% drama
Ensure summons are served
ReplyDeleteAfter the complaint is filed, the corresponding summons will be served upon the defendant.
Proof of service for the summons is crucial, and without it, the case may be dismissed. The law provides various ways for summons to be served. If the defendant’s whereabouts are unknown, the law allows service by publication.
Your lawyer will exhaust all means to ensure the summons are properly served within the allowed period so the case may flourish.
-Since utang ito na civil case they won’t do the publication. So until you didn’t receive any summons from court, the case will not flourish/prosper.
Ano po yung "within the allowed period"?
Delete@SonnixHaven If I remember correctly may auto loan ka sa same bank na defaulted ka, nakuha mo na ba ang release documents para sa sasakyan? Salamat. May autoloan kasi ako sa EWB
ReplyDelete