Bago ka mag-panic,
maglaan ka muna ng sandali para mag-isip-isip.
Maunawaan natin na
nakakabahala ang pakikipag-usap sa mga ahente ng koleksyon, ngunit mahalaga na
hindi tayo magpadala sa takot at maguguluhang pag-iisip. Sa halip na magpatalo
sa pagkabahala, palakasin ang iyong sarili sa pamamagitan ng pag BACKREAD ng
mga diskastes naibahagi na ng karamihan.
Ugaliin na "mag-back-read,"
gaya ng madalas nating sinasabi. Ibig sabihin nito, balikan ang mga nakaraang
usapan at lubos na maunawaan ang mga tanong at mas mapadali ang pag manage ng
mga CA crooks. Sa mga pagkakataong ganito, kapag tayo ay nasa kalagayan ng
pagkabahala, maaari nating hindi mapansin ang mga mahahalagang detalye o mali
ang interpretasyon sa ilang aspeto ng usapan. Ang pagbabalik-tanaw at pagsusuri
sa mga naibahagi na ay makakatulong sa iyo na mahuli ang mga subtilidad na
maaaring iyong maling mapansin sa una.
Tandaan, ang kaalaman ay kapangyarihan. Sa pamamagitan ng paglaan ng
oras upang "mag-back-read," binibigyan mo ang iyong sarili ng
mahahalagang kaalaman na makakatulong sa iyo na mas maayos na makipag-ugnayan
sa mga ahente ng koleksyon. Ang prosesong ito ay hindi lamang nagbibigay-daan
sa iyo na magtipon ng iyong mga ideya at ihanda ang mga tugon, kundi ito rin ay
tumutulong sa iyo na ibalik ang pagkakaroon ng kontrol sa sitwasyon.
Kaya, bago ang
takot ang magtangkang dumominar, piliin na magpahinga at balikan ang mga
impormasyon na iyong natanggap. Palakasin ang iyong sarili sa pamamagitan ng
pag-unawa, at magiging mas handa ka upang masiguro mong makaharap nang may
kumpiyansa at determinasyon ang mga mapaglinlang CA crooks.
Salamat po. Sana maibalik yung ibang posts ni Banker para makapag backread. Ilan taon na po ba ang Diskarte? Salamat po ulit
ReplyDeleteLahat ng major concerns masasagot na sa open posts ngayon.
Deletebanker and the rest of the team goodmorning! may ikukunsulta lang po ako ito naman po yan regarding sa cashloan online. nakahiram po kasi ako ng loan online send via gcash ang tubo daw po is 30% per week dahil nga sobrang kailngan ko pinatos ko po. nagsend po ko ng valid id with selfie at agad nman nagpadala sila ng pera. natutubuan ko naman po per week hanggang sa hndi ko na po kinaya. ung 5k na utang ko po ay naging 16k na daw po. araw araw na pagmamaka awa at pakiusap ko po na mhulug hulugan ang balance pero hindi pumayag, ang ginawa po ay pinost po ang selfie id ko online at kinalat po sa mga pages. sobrang nakakadepress na po. alam ko po dapat bayaran pero ayaw po nila ng hulug hulugan ano po kaya ang pwdeng gawin :(
ReplyDelete@krizzydefaulter,
DeleteI rarely advise this, but mukhang predatory lender yan and malamang di SEC regsitered yan. Wag mo bayaran.
pero paano po kaya yung mga pinost nyang mga IDs ko po hndi po kasi tinu turn down ni Facebook. may magagawa po ba kao dun?
DeletePwede mo po ireklamo yan.
DeleteFrom what I know bawal yan, but it will be a hassle to file against them. There was an online lending that was raided by the police, I think a month ago. So if you are willing to go to the trouble of complaining to the police, making yourself available to be a witness, then ok.
DeleteIts not an app po eh tao po talaga sya na nagoffer ng loan. Papahiramin ka as long as isesend mo un valid id with selfie mo if di ka makapag pay ikakalat nila sa FB world ang pic mo gagawan ka pa ng tarpaulin na hndi ka nagbabayad. Kahit sobrang makiusap k sakanila pag tinopak cla posted agad.
Deletemas malala pa to sila maningil compared to the CA crooks. they will send malicious messages to all your phone contacts. and oftentimes, they will threaten you to publish your selfie IDs in social media. what they are doing is outright illegal. usurious pa interest rates and to the highest level ang penalties. FRAUD talaga sila. yes, maraming raids na sa kanila ang NBI, and yet they continue to operate.
Deletehuwag mong bayaran na. mag report ka sa PNP cybercrime unit https://acg.pnp.gov.ph/eComplaint/
similar to this, we can report to PNP cybercrime unit if we feel our privacy rights are violated.
Mahirap talaga magtiwala sa online lenders kasi aabusuhin talaga ang privacy mo. The only thing you could practically do is to IGNORE them. Control what you can and deactivate all your socmed accounts.
DeleteBahing teknik ng lenders yan ah. Delikado yan pag tao ang nagpautang sayo. Ipa blotter mo yan at NBI at PNP.
DeleteOpo kinalat na po yung mga ID ko sa mga buy and sell page :( she even chat all my facebook friends kaht nakikiusap ako saknya to have it settle na hulug hulugan. Nakakapnliit po talaga. Kaya lang sobrang baon n baon na po sa interest. 5k capital nasa 20k na po un nabbyaran ko:( hindi daw po titigil ang interest hanggay di buo ung nabbgay. Hayss :( di ko po alam pano irereport since dunmy account gngamit sa pag popost.
DeleteGood pm po. Defaulter po ako with multiple cc. BPI lng po ung tinira ko. Last week po nag apply ako ng credit to cash for my education. Then nalaman ko po rejected po. May kinalaman po kaya ung pagiging defaulter ko?Thank you po
ReplyDeleteLast week po nag apply ako ng credit to cash for my education.
Deletewell, sorry blacklisted ka na. Try to see if you can get others to apply for credit card and just be a supplementary. Try getting a loan from Home Credit. They don't do background checks.
DeleteHi po newbie lng po ako. I'm not yet cc defaulter since pinipilit kong makabayad kahit minimum lng. Pero this month po i'm planning not to pay 2 cc since gusto ko munang bayaran and tapusin ung iba na may maliit n amount. Afterwards po tsaka ko na babayaran ung 2 card na may malaki ng overdue and unbilled. Possible po kayang mainegotiate sa banks na mapababaan ang interest and other penalties? Salamat po
ReplyDeleteYes its possible, happened to me sa BDO. Na max out ko ung 100k limit at hnd kinaya bayaran agad. Called bdo hotline for installment request. 3x declined kc wla na dw limit for installment. But I documented everything, reference number every request at qng sinong agent nakausap ko at time. Then I sent an email sa BSP na ayoko ma default ung account ko and willing ako to pay with interest sa BDO. Attached all my proof na hindi sila nkapag find ways for my request. Then after 5 days I received a call from BDO offering Installment options for 36months with interest. Until now im paying it. Diskarte lang tlga. Card is still active.
DeleteHi, new here. CC Defaulter since 2020 dahil nagpandemic. I have 8 cc (Metrobank, 2 RCBC, EWB, BDO, UB, PNB, and CITI.
ReplyDeleteI received an email from Dulce Marie Esteban saying:
Dear xxxxxx,
We regret to inform you that due to your non-compliance, we are left with no alternative but to take immediate action. It is essential that you comprehend the potential consequences of this course of action, as failing to comply may result in the service of summons and complaints, requiring your appearance in court. We strongly urge you not to dispose of, sell, or transfer any of your real or personal properties. Your cooperation in resolving this matter promptly would be greatly appreciated.
We hereby inform you that you are expected to receive an official summon at 2PM
on Friday, August 25, 2023. This summon is to issue your COURT ORDER (NOTICE OF DISHONOR). Additionally, a Sheriff will be present to issue a Writ of Preliminary attachment to garnish your property. You can contact us through the following phone numbers
(028)566-0958, +639550748479 or email us at rodolfoyansonlaw@gmail.com and ask for our Legal Senior Officer Mr. Chris Suarez
Naglagay si Atty. Rodolfo Yanson ng Roll number: 21042
And upon checking sa supreme court list of lawyers, wala sya doon. May rodolfo yanson but with a different roll number.
Any advise po dito? or anyone na naka receive ng the same email from YANSON LAW FIRM?
old script, old strategy ng CA crooks. tapon lang.
DeleteThank you po sa pag sagot. Actually katulad ng iba po ay deadma nalang ako sa mga final demand at nagpalit na din ako ng number para di nila ako matawagan. Lumipat na din ako ng bahay simula nung nag asawa ako. Yung mommy at mga kapatid ko nalang naiwan sa old address. Mejo bago kasi sakin ang script na may parating na official summon. Pero dahil nga po di lumabas ang roll number nung Atty. kuno, mejo nawala ang takot ko. :)
DeleteWaiting padin ako this 2PM today kung totoo. Haha salamat po
Maski tama ang roll number nyan sigurado nasa internet lang din yun.
DeleteNatawa ako sa Dishonor lolz
DeleteHello po, may pumunta po ba na sheriff sainyo? May nareceive din Kasi Ako nag text msg ngayon.
DeleteHi good day po. Last 2 days ko lng po nakitang may blog po pala na ganito. Pwd po ba mag seek ng advice offline? Need ko lng po ng deep understanding. May cc kasi ako na simula next month is hindi ko na mababayaran even the minimum amount due. Malalaki n po kasi ang amount due and may mga unbilled p po. Ayaw ko na po kasing umutang na naman para ibayad sa utang din. Pa drop naman po ng email din ako po mag reach out. Salamat po ng madami
ReplyDelete@anonymous, hi yes you're most welcome to post your concern here
Deleteright don't ever fall into that trap of borrowing money just to pay off another tang ( most of the defaulters here were guilty of that diskarte , kasama po ako and that is what banker referred to as "never ending financial marathon"
during my time in 2014 if I opt of just defaulting one acct...siguro I would not be in this mess
just Bec I wanted to be in that good credit standing... I made one cash adv one after another
now pag na default ka, expect na ca will start pestering you with sms, emails, demand letters etc
worst that rcbc can do is to file a sum of money case para ma hold nila whatever money you have in the bank... zero syempre me legal remedy for that
n back reading will do you good
am now a retiree n am okey
-cherryloudejesus
Hi Sir seeking advice din po. May na received akong letter from RCBC balance sa cc is 57k before pandemic din to sir..ano po 1st step gagawin sir. Kase sa law firm na letter parang kukunin daw nila mga existing property ko etc.. Medyo nataakot ako
DeleteBaka po pwd nman mag seek ng advice offline. Pwd po pa drop ng email kung saan ko po pwd ireach out. Salamat ng marami po
ReplyDeleteBackread. Solved yan.
DeleteIn essence kung walang pambayad edi wala.
@Anonymous,
DeletePost your concern here.
Grabe yung di ko alam anong CA to nag send ng multiple text sa loob ng 1 minute naka receive ako ng 12 messages different numbers pero same lang ang mga messages.
ReplyDeleteAnsabe?
Delete@anonymous, hi collectors are indeed capable of doing stupid things, as per my experience in 2014 there was this ca who kept on calling me sa office every 5 minutes ( I was then the receptionist so I was able to filter calls ) n told me that he will not stop making my life a hell unless I pay up... so yun sya mismo ang nagsawa
Delete-mindset ko then was to comply with the collector's offer if me extra money, fair ang demanded amt...and of course AYAW ko sa bully na ca
-cherryloudejesus
may naka encounter na po ba sa inyo ng CA na VVBSI, kamusta po silang CA?
ReplyDeleteMay naka encounter na po ba sa inyo na GCCS & Associates? Nag house visit and work visit po ba sila? Kasi po demandable na daw po ang cc ko with RCBC. Natatakot po ako tumawag at magpunta po sila sa work ko po since alam po nila kung san po ako nag tratrabaho. Sana po matulungan nyo po ako. Salamat
ReplyDeleteSabi nga ni Banker at admins. Hindi mo kontrolado ang gagawin nila. Kontrolin mo ang reaksyon mo.
Delete@anonymous
DeleteIlan months kana delay sa rcbc?
ReplyDeleteGuys,
Stop asking "How is this collections agency?" Or "Kumusta po si ganitong CA?"
How Collectors talk to you is based on how long you have been deliquent and the amount you owe them.
There are levels which collection agencies classify your debt, and depending on the level, that is how they will interact with you.
In the end, pareho lahat yan.
👍
ReplyDeleteAsk ko lang kung totoo po na kahit di umattend ng hearing same lang ang judgment, 6% interest annually and pay when able? Thank you po.
ReplyDeleteMay nakasagot po ba nito?
Deletehello, question lang po regarding HC (Home Credit) cash loan. May defaulted na rin po ba rito? Kindly share your experiences naman po. Thank you.
ReplyDeleteGood PM, ilang months po delinquent bgo mblacklist at makita sa report na naaaccess ng lahat ng bank?
ReplyDeleteGood Day po Everyone... Question po ulit sana... pag po ba skipper officer or associate galing po mismo sa bank? are they the same po ba ng mga CA? may nagemail kasi sakin from SB, then yun nakalagay skipper officer, then yung domain eh domain ng sb. (securitybank
ReplyDelete. com . ph) legit po kaya sila na sa bank nagwowork? kasi hindi ko na inoopen ang number ko... pero di pa naman deactivated.sa email sabi po nila eh trying to contact me pero di nga magawa..asking for another number para pagusapan yung sa cc ko. gusto ko sana magreply through emai nalang para documented... kaso baka isipin na iniiwasan ko sila kung bindi ko bibigay updated number ko?i have car loan din sa kanila and updated naman. yun po kasi inuuna namin dahil need namin yun for work. plan ko sana after ng car, yung cc naman settle ko. ok lang po ba sabihin yon kung sasagot ako sa kanila?
hi may revi credit na din po bang defaulter dito? Same scenario lang din ba sila sa defaulted cc?
ReplyDeleteGuys, nahanap ko lang to sa youtube. Baka makatulong. Dapat alam din natin mga galawan ng mga pisting collector na yan para alam din natin gagawin. May mga pinangingilagan din pala ang mga yan. https://youtu.be/zHE9NJ8WS-Q?si=BZD7pn4Hg-Xl_Nlf
ReplyDeletebased to your experiences po ano po ba ang mas magandang gawin mag answer ng call ni CA or hindi po?
ReplyDeleteSa opinyon ko, kung wala pang pambayad or makipag negotiate no use na makipag usap pa sa telepono. Basta wag magpalit ng number.
DeletePero sabi ng iba na andito dapat sagutin para daw di ka puntahan sa bahay.
Good day Po. Seek Lang Po Ako Ng advice. May utang Po Kasi Ako credit card 12k plus Ng dedemand Po Kasi Ang law firm na I settle ko na ung pagkakautang ko kung Di dadalhin nila sa court. Ano Po kaya Ang maganda Kong Gawin e Wala naman lonakong trabaho at plain house wife n Lang o Ako at under medication. Lalo Po Akong na eestress. Salamat Po.
ReplyDeleteTechniques ng CA.
ReplyDeletehttps://youtu.be/qYsnitaitCs?si=27wCDBIapZXIS2zv
https://youtu.be/WuwTYZ9p4dg?si=8vGylKmzE8A8KdMn
ReplyDeleteGudpm po, defaulter po aq.pero.matagal n po.yrs n as in 10 yrs plus.n, nagulat aq.may.tumawag a number q, akala q kung sino kya sinagot q s haba haba ng usapan un pla CA, d kasi cla ngpapakilala agad n CA cla, nkakagulat lng pabo nila nkuha number q ngayon, married n aq pero.sqme address at bday, sabi ng kakilala q, mah hinahire daq mga CA pra mkakuha info about s mga delinquent, nkaka kaba lng kasi bigla n nmm cla nabuhay at nangulit
ReplyDeleteHaba ng usap nyo pero di mo kilala? CA ka din ba?
Delete😁
Delete"Delinquent" term ng CA sa defaulters
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
86338945/09171185764/09979101041 and look for ARMIE.
DISREGARD THIS MESSAGE IF PAYMENT HAS BEEN MADE.
This is again from Atty. Mike Yngson of Receivers and Liquidator’s Inc., accredited service provider of PNB. It has been some time since we last communicated regarding the settlement of your account. However, we have yet to receive full settlement from you. As of this date your account already has reach as high delinquent stage. We sincerely hope that you are not evading the settlement of your long overdue account on purpose. Evasion is a fraudulent act, and would be a criminal offense under Rep. Act No. 8484. We know times are already difficult; it would even be worse if one's life is greatly disturbed and inconvenienced by being a party to court action/s. You really stand to lose a lot, so we sincerely do not wish any of this to happen to you. You can avoid all these, but only if you cooperate.
ReplyDeleteThus, we are giving you this final chance to amicably settle your outstanding obligation with PNB (Philippine National Bank) within five (5) days from receipt of this letter. If you contact us within this time, we may still be able to give you a BIG DISCOUNT and/or agree to payment in terms. Kindly pay your account at any PNB branch for same day posting or with any of our client's accredited banks or payment centers (GCash or SM payment center). However, if you choose to ignore this just and valid demand, we shall be left with no choice but to proceed to court. The next notice you shall receive would be a Summons.
Please do not hesitate to call our Account Specialist at 8633-8945 / 0917-1185764 / 09979101041 or email us at rnlp@receiversliquidators.net
IGNORE AT YOUR OWN PERIL. ACT NOW BEFORE ITS TOO LATE!
Hi ask lang po, ng fifield visit po ba talaga sila?
ReplyDeleteATTENTION: PNB CARD HOLDER
Regarding your PNB CREDIT CARD account. Please be advised of our personal visit either at your office or residence address on Sept 13, 2023 tomorrow at 1:00 pm to initiate employment and asset checking due to the non-payment of your credit card obligation. To hold this process, you may call at 09479919285 today.
Thank you and best regards.
Hi po ask lang if talaga bang nag fifield visit sila?
ReplyDeleteATTENTION: PNB CARD HOLDER
Regarding your PNB CREDIT CARD account. Please be advised of our personal visit either at your office or residence address on Sept 13, 2023 tomorrow at 1:00 pm to initiate employment and asset checking due to the non-payment of your credit card obligation. To hold this process, you may call at 09479919285 today.
Thank you and best regards.
This is again from Atty. Mike Yngson of Receivers and Liquidator’s Inc., accredited service provider of PNB. It has been some time since we last communicated regarding the settlement of your account. However, we have yet to receive full settlement from you. As of this date your account already has reach as high delinquent stage. We sincerely hope that you are not evading the settlement of your long overdue account on purpose. Evasion is a fraudulent act, and would be a criminal offense under Rep. Act No. 8484. We know times are already difficult; it would even be worse if one's life is greatly disturbed and inconvenienced by being a party to court action/s. You really stand to lose a lot, so we sincerely do not wish any of this to happen to you. You can avoid all these, but only if you cooperate.
ReplyDeleteThus, we are giving you this final chance to amicably settle your outstanding obligation with PNB (Philippine National Bank) within five (5) days from receipt of this letter. If you contact us within this time, we may still be able to give you a BIG DISCOUNT and/or agree to payment in terms. Kindly pay your account at any PNB branch for same day posting or with any of our client's accredited banks or payment centers (GCash or SM payment center). However, if you choose to ignore this just and valid demand, we shall be left with no choice but to proceed to court. The next notice you shall receive would be a Summons.
Please do not hesitate to call our Account Specialist at 8633-8945 / 0917-1185764 / 09979101041 or email us at rnlp@receiversliquidators.net
IGNORE AT YOUR OWN PERIL. ACT NOW BEFORE ITS TOO LATE!
Andaming PNB ngayon ah. Sabay sabaw sila.
ReplyDelete@Kinakape-Grabe po sila mang harass. Araw araw po sila nag eemail. Pero Sabi nyo nga po, si PNB never nagdedemanda. Ignore ko lang po ba sila? Kasi Di ko pa Kaya talaga magbayad po since Apat po sakit ko ngaun.
Delete@Stressed Wala po akong sinabing Never 😅 Sila lang nakaka alam kung magdedemanda ba sila or hindi.
DeleteHello po, I was wondering bakit po kaya mga collector sabay2 ngpaparamdan. More than 3 po kasi yung default cc ko since 2020 and last ata nila paramdam last year matagal na then biglang halos sabay2 lahat nag stop mangulit then simula Sept. 1 nagumpisa ulit silang lahat (as in sabay talaga pero magkaibang collection) magparamdam ulit d kaya ber months na kaya ganum hehe just curious 🤔
ReplyDeleteber months n nmn po kasi kaya sila active kailangan nil maka-quota hahaha, ako ilang months na din din nakakabayad ka bpi,,panay tawag ni CA sa magmahapon nsa 7 or 8 tawag sila last kong sagot sa tawag nila toxic pa nakausap ko ayun ginawa may options pla sa cp ko na silence unknown callers ayun tumahimik ang buhay ko haha..nakikita ko nlng sa call history na may tumawag pla
DeleteHelp naman po gusto ko po mag consult sa lawyer kasi ipapadlock daw yong bahay ko bukas na umaga totoo po ba ito at may pinatatawag sakin yong shirep na atty doon daw po ako maki pagusap para daw po magawan Ng paraan
ReplyDeleteNakow wag po kayo matakot dyan, mga CẢ lang po yan,pag tumawag ulit ask nyo kung wat time sila pupunta at maghahanda po kanyo kayo ng miryenda,,😂wag po kayo magpa ka stress mam,,back read lang po dito at matatahimik po ang isip nyo.🩷
Delete@Kinakape, actually, Di po kayo nagsabi, nalaman ko dito din po sa diskarte blog na si PNB eh Wala sa bokabularyo nila magdemanda po along with some banks. Anyways, Salamat po sa mga advices sir. Nakakahinga po ako ng maluwag. God bless po. Ayaw ko muna po sila isipin Kasi May Apat na sakit po ako na Dapat harapin po.
ReplyDeleteUnahin nyo po na magpagaling. Atsaka na muna ang mga utang pag malakas na.
DeleteMeron na bang nakasuhan ng SP?
ReplyDeleteLegit po ba ito.. Sana po masagot..
ReplyDelete8 Mos napo ako defaulted.. Nasagot Naman po ako ng calls ang sinasabi ko po na wala pa po ako pambayad..
REGIONAL TRIAL COURT: TAGUIG CITY RTC BR 69
MR./MS. XXXXXX,
Expect our official commo to issue your COURT ORDER (Bench Warrant) exactly 4PM Tuesday ( SEPTEMBER 26, 2023) together with Sheriff to issue Writ of Preliminary attachment to garnish your property. Please be inform for your voluntary surrender to avoid commotion at your place.
ATTY. ALFREDO P ABAD
09553064349
LUISITO CORTEZ Clerk of Court III
REGIONAL TRIAL COURT
may ganyan din po ung sis ko... ano po nangyare sa inyo?
ReplyDeleteMedyo natakot din po ako..pero wala naman po dumating..and hoping wala na po sana dumating..nakaka kaba din po kasi
DeleteHi po,
ReplyDeleteMay 2 ako credit card sa RCBC, sguro mga 100k ung principal, tapos Alexis molaer ung CA tapos nakareceive ako ng letter na irerecommend daw nila sa RCBC na sampahan na ako civil case. Inattach din nila ung letter na pinasa nilanssa RCBC at sa court?
Legit po ba? Thanks po
legit yan na galing sa CA crooks. pero old script yan. pag gusto ka nila kasuhan, they can file a case anytime. hehehe.
DeleteUpdate Po?
DeleteIf nagfile Po so RCBC? AND ano Po gagawin if my nagfile sa inyo Ng civil case?
received the same mail po, may update po ba kau tungkol jan? nag file po ba ang RCBC ng kaso?
DeleteNot cc related po, but wanna ask if si PLDT wifi po nagkakaso din pa pag di na po nabayaran? wala din naman kasi palaging internet tapos ni reklamo ko na ipa putol hanggang ngayon walang action imbes na 2 months lang sana yung fi nabayaran umabot na ng 5 months total. tapos ngayon my pa demand letter pa sila eh kung tayo mga consumer nga my reklamo tagal nilang gumalaw sinadya ko talagang di bayaran kasi di naman nagamit
ReplyDeletenope. PLDT will just cut off your line.
Deletethank you po @Sonnixx Haven 🙂
DeleteIm happy po sa inyo banker nakaka tulong po kayo sa mga tulad namin nakaka luwag sa problema. Naging default na rin ako, Ang tanong kulang po bakit naging default na sa akin case kahit hindi pa ginagamit ang card. tinawagan na din po ako from manila may dapat dapat daw akong bayaran. Grabe naman sila!
ReplyDeleteThis comment has been removed by the author.
ReplyDeletehello po sa lahat my na received ako kanina ng hapon sa email ko legit po ba kaya to? galing po daw sa
ReplyDeleteBDO LegalAffairs • legalaffairs.debtconsulting@gmail.com
Good Day BDO Cardholder,
We received a report that you didn't contact your account holder yet to ask for computation of amnesty. Allow me to inform you that we are glad if you are trying to coordinate with us, but please understand, your coordination is not enough if there is no payment and yet you didnt even try to contact us. At the end of the day if we didn’t check your payment in your account, the filing for a possible legal case is still continuing to process. Please fix the delays and settle your account now, you have an account under your name with a huge balance that cannot be ignored. We still give you until today to have a movement on your card, please don’t let your name be tainted with bad status records because of no payment, we encourage you to contact the account holder and make a decent arrangement.
Thank you po
hi admins ask lang po if totoo ito?
ReplyDeleteDefaulted account ko po is RCBC.
ang alam kong defaulted amount ko is almost 30k lang pero due to charges naging 69k. Nag email ngayon si Receivers and Liquidators for case filling na daw ung account ko. totoo kaya ito?
Good Day!
This is from RECEIVERS AND LIQUIDATORS INC. office of ATTY. MICHEAL YNGSON
We have diligently made all collection efforts to have you settled your Unpaid account Despite AMNESTY PROGRAM continued demand LETTERS, Email and even sms your account remains unpaid. If we don't receive any payments from you until OCTOBER 25, 2023 last banking day. We will not hold the filing of your Credit card account that possible may fall to a CIVIL CASE WITH PRAYER FOR PRELIMINARY ATTACHMENT against you and include your name in the Negative File Database of the Banker's Association of the Philippines. In case, This will be granted, it allows us to possible garnish your Known personal properties like ( Bank Accounts, Shares of Stocks in Corporation, ETC. and may Levy your Real Property as security for the Satisfaction of our client's claim against you.
Thank you and Best Regards,
AARON MENDOZA
Receivers & Liquidators Inc.
86365848/ 09269510625 /09530343572
Unit-D 10th Floor, Strata 2000 Building,
F. Ortigas Jr. Street,, Ortigas Center,
Pasig City 1605 PHILIPPINES
SALAMAT PO SA SASAGOT :)
Kung gusto ka kasuhan niyan matagal na nila ginawa. Hindi na sila magsesend ng letter sayo.
DeleteI have 3 credit cards kay RCBC. Nasa 150k na ata yung total nung tatlo. Medyo tumigil na dila magpadala ng letter and calls sakin.
Wala naman sila magagawa if wala ka pa pangbayad e. Sa ngayon ngaiipon pa ako para kapag dumating yung time a may offer sila na discount, mababayaran ko na sila.
Kaya wag ka po masyado magpakastress. Ituloy mo lang po ang buhay mo. Focus ka po sa work mo para makapg ipon ka ng pangbayad sa future.
Thank you sa group na to malaking tulong talaga sa paghandle namin sa collectors! Post ko lang po experience namin para sa mga feeling nila wala na sila pag-asa. Nagdefault yung hubby ko sa hsbc, citibank, rcbc, ewb, bpi nung 2015 pa. Binayaran namin yung sa bpi since yun yung checking account nya at payroll account nung time na yun (up to now active CC with 164k credit limit). Di ko na matandaan yung total pero more or less 500k-700k ata lahat. Nagkafinancial problem kasi kami nun. After a few months nakapagwork na si hubby sa abroad, so medyo naging okay na, kaso lumalaki yung mga interests wala na ko balak bayaran. Ilang years din kami hinarass ng CAs pero dahil nadiscover ko itong group kahit pano ay nakatulong. Ito yung mga experience namin:
ReplyDelete1. For a few months sobrang daming calls talaga, stressful. Tatawag sila sa office ng hubby ko dito sa dating work nya, nalaman ng hr nila at ng boss nya. Nung nag abroad naman sya nalaman ng CA ng HSBC yung number ng office nya sa abroad tinawagan sya.
2.Since nagdedeliver sila ng demand letters dito sa bahay at ang tatay ko nagrereceive, hiningi nila number ng tatay ko so sya naman ang hinaharass sa phone. Ilang years nagpupunta talaga sila dito sa bahay then one time niyayaya ako sa barangay irereport daw ako since wala nga yung hubby ko. Buti na lang maingay tahol ng mga dogs namin nagbingibingihan ako at pumasok ulet ako ng bahay. Everyday kinakabahan ako pag may kumakatok or tumatahol yung dogs.
3. Si HSBC nag offer sa hubby ko ng 20k ata yun to fully settle nung 2019 kasi nga natatawagan sya sa office nya abroad. Nakabayad naman kami so okay na.
4. Nagpandemic so nagstop na yung house visits at letters.
5. Stressful din yung emails nila so ang pwede nyo gawin ay ifilter by folder. Para pag ready na yung damdamin nyo pwede nyo na lang balikan sa filtered folder yung messages/offers nila. By the way, sa emails ko pumapasok kasi email ko yung registered email sa mga cc ng hubby ko since ako nagmamanage.
6. Hanggang ngayon may emails pa din pero since nasa filtered di ko muna binabasa. Si SP M___ na CA ni EWB nagmessage sa hubby ko sa fb, pati sa akin at sa sister ko. Sabi ko sa sister ko scammer yan 😆 di ko sure kung sino pa minemessage nila. Nag email din ng offer from 350k daw to 150k, sabi ko sa hubby ko wag na namin bayaran since di sila professional tska 8 years ago na.
7. Naka avail kami ng 2 housing loans sa Pagibig at may ongoing na 3rd (hopefully maaprove) lahat nakapangalan sa hubby ko. Mukhang di nila chinecheck yung cc defaults.
8. Inofferan ako ni Sec B ng cc approved na (to be delivered) kahit di ako nag apply. Nakapagwork din ako now sa isang financial institution, parang di naman din nila nacheck yung accounts ng hubby ko.
Sa una sobrang stressful talaga. Anxious and depressed kami nun. Pero life goes on and sabi nga nila pag sobrang bagsak ka na, there's nowhere to go but up. Share ko ito sana makatulong kasi malaking tulong itong blog na ito sa amin. I hope to pay it forward 😊
Good Day..
ReplyDeleteBaka po matulungan nyo ako sa nga question sa mind ko.. defaulter po ng Bank of Commerce ang kapatid ko and the amount is around 21k po.. himdi n po yata nya nababayaran and we receive summon and tyahin ko po ang nakareceive..
bali what happen is may nagpunta sa bahay at may kasama pa pong kagawad ng aming brgy dala dala ang isang makapal na papel na nakaclamp lang about 1inc kapal dahil may mga xerox ng kanyang SOA.. my front page na summon from metropolitan trial court branch 59 at may seal pa na hndi mabasang maayos.. bali pagkaabot s tyahin k ois wala nmn po ibang sinabi kundi nay pinapirmahan lng na received..
bali hindi po ito nkaclose letter.. as in open sya at para kang inabutan ng ipapabookbind..
sobrang depress na po ng kaptid ko kaya ako napasearch kung legit ba ung summon..
pinagtataka ko lang mali mali spell ng mga names na nagfile inbehalf ng bank which is name ng agent sa isang collection company..
also dun sa format may mga deleted part kung titignan ung format n nasa website..
hndi din nacheckan ung part kung face to face or online ung hearing..
kaya ang question po na sumasagi sa isip po namin ka is ganun po ba talaga ang formal style ng pagpapdala ng summon.?
paano po pag di po nya pinuntahan ung araw n nakaindicate dito.?
and ano po best way para maconfirm namin kung legit ba summon.? medyo magulo kasi may mga wrong spelling din at inabot gusot gusot na ung mga gilid nung papel dahil nga nakaclamp lang ito at open lang sya.. nakalagay is defendant’s copy..
sana po mapansin nyo at mabigyan nyo kami ng guidance how to face the situation..
wala din ksi maibabayad si kapatid suspended po sya s trabaho at depress tlaga sya sumabay pa tong Summon
Kung walang pambayad wag mo na intindihin kung totoo ba ang summons or hindi. Also, sabihan mo mga kamaganak mo na wag pirma ng pirma ng mga papeles 😅
Deletehi pa help po, sino po nka encounter sa collector na to? panay padala ng demand letter eh. legit po ba nagkakaso sila?
ReplyDeleteThis letter shall serve as a FINAL DEMAND for and on behalf of (our “client”), RCBC Credit Card to settle immediately your past due and outstanding obligation under Account number amounting to ₱ 200,000 inclusive of interests, charges and attorney’s fees.
Despite repeated demands to settle your total outstanding balance, no payment has been made and the account remains to be unpaid. Hence, we are constrained to formally recommend, to our client, the urgent filing of a Complaint for Collection of Sum of Monies with Prayer for Preliminary Attachment against you and your spouse, if any, before the court.
The WRIT OF PRELIMINARY ATTACHMENT will enable our client to cause the COURT SHERIFF to LEVY, ATTACH or SEIZE your real and/or personal properties or GARNISH your salaries and/or bank deposits, without further notice and delay.
Your spouse, if any, shall be included as mandatory party defendant upon filing of a collection case in court, pursuant to Rule 3, Sec.4 of the Revised Rules of Court.
Should you intend to defer the abovementioned filing of civil action or to request withdrawal of the case, if already filed in court, you may call our Account Officer, Maricel B. Curato at (032)262-4493/261-0886/0917-628-2156/0919-067-4655to enter into an extra-judicial settlement within twenty-four (24) hours from receipt hereof.
Very truly yours,
ATTY. CAESAR S. EUROPA
24K ACCOUNTS CONSULTANT INC affiliated EDC LAW OFFICE
2nd Floor Aya-ay Bldg #60 Mango Avenue Cebu City 6000
tel: (032) 261-0886/(032)262-4493/(032)262-6118
Mobile: 09190674655 / 09190674609 / 09168253889/09176282156
RCBC CREDIT CARD HOLDER !
ReplyDeleteGood Day !
This is from RECEIVERS and LIQUIDATORS INC. Office of Atty. Michael Yngson Legal Department , Acreditted service provider of RCBC CREDIT CARD .
This is to inform you that your record is ready for execution for a legal suit against
you, for the two (2) counts of violation under Article 315/ R.A 8484 access device regulation act of 1998 and civil offense under violation of small claims. The schedule of filing is this coming- 27th of NOVEMBER present year at MTC. The plaintiff submitted formal complaints and primary sources of evidence that would be used as the primary petition for the issuance of notice. Once the formal complaint is filed, it will definitely reflect a pending case that would appear to your all financial institutions / entities.
We are giving you 48 Hours for your cooperation upon receiving this email notice. Otherwise, our mediation should recommend to the plaintiff to proceed the case filing.
You may call this mobile number 0926-951-0625 and look for Mr. Adrian to help you regarding on this matter .
NOTE: ONCE YOU’RE ALREADY INFORMED PERTAINING TO THIS LEGAL MATTER AND GIVE YOUR LEGAL RIGHTS TO FIX THIS BEFORE THE COURT PROCEEDING DATE,THERE’S STILL NO DISMISSAL ORDER THAT THE PLAINTIFF SHOULD HAVE TO SUBMIT , OUR COORDINATION WILL BE DISREGARDED. THE COURT NOTICES SUBPOENA WILL BE SENT ON YOUR PERMANENT ADDRESS AS WELL TO YOUR EMPLOYER TO INFORM YOU AS PART OF THE RULE OF THE COURT.
THANK YOU !
Nakakaloka naman itong Receivers and Liquidators na to. Hahaha. Akala mo naging criminal na ako e. Iinform pa daw employer ko regarding sa default account ko hahaha.
Naghahabol yata ito ng quota. Ayaw naman makipag negotiate ng amount sakin para ma-settle ko.
parang halos RCBC collectors nagpaparamdam ngayon hehe
DeleteAno ba namang grammar yan 😊
DeleteGood evening. Depressed na po ako at oanay tawag ang mga CA. May nakasuhan na po ba ang PS Bank dito? PSBank cash loan po ang gamit ko. Salamat po sa sasagot.
ReplyDeleteKung nadedepress po kayo sa tawag edi wag mo sagutin. Atsaka mo na lang sila kausapin pag may pambayad ka na.
Deletegood morning po.. may na received po ako e email..
ReplyDeleteThis is Police Master Sergeant Euseff Garcia of National Capital Region Office
( NCRPO) requesting your immediate cooperation due to the complain submitted under your name. We are giving you 48 hours upon receiving this message to coordinate with us and to prevent any Legal procedure. To further our investigation, we will conduct visitation with the help of your local Barangay Officers. We are expecting your cooperation to resolve this matter as soon as possible.
Any questions or concerns feel free to call this number
( 09658536436 )
Ikaw ang target ng investigation kuno pero ininform ka 😅
DeleteWow special ka kay "Police Master Sergeant ng NCR office" ng planetang Nemic. Baka naman na red tag ka kaya ka tinext? hahahaha
Delete1st red flag - Police ang nagreach out sa iyo para sa utang mo
2nd red flag - grammar error
3rd red flag - Visitation
Solution: DELETE/BLOCK/MARK AS SPAM
Payo ni Pulis Pangkalawakan Shaider
To. *****
ReplyDeleteDespite PHILIPPINE NATIONAL BANK previous reminders for immediate payment for your PHILIPPINE NATIONAL BANK unsettled credit card, still you have not shown any concern in settling the account. Due to non-payment your credit card has become very delinquent; the purpose of this email is to assist you in resolving the account in an amicable manner in your favor.
We believe that your purpose was not to defraud the PHILIPPINE NATIONAL BANK and your intentions are to repay back your liabilities but due to unavoidable circumstances the credit card remained unpaid, considering your present status we will try our level best to work out the best settlement plan for mutual benefits.
Please understand, however, that if we do not hear from you within this day from receipt of this letter, Our client shall be constrained to proceed with necessary actions to protect the legitimate interests of the them. We trust that you will treat this matter with your utmost preferential attention. Your immediate reply will be highly appreciated
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Thank you Regards.
Chloe Villanueva
Legal Officer
MBA CONSULTING PHILIPPINES INC / PHILIPPINE NATIONAL BANK
4F Divino building, 967 Aurora Boulevard, Project 2, 3, Quezon City
0969-241-6309
mbccs033@gmail.com
sec.chloevillanueva.legaldept@gmail.com
-sinagot ko sila na last time na may nakausap ako na taga agecy nila naging honest kako ako sakanila na di ko kaya isettle ung amount na inooffer nila at maghihintay nalang kako ako ng mas mababang offer or tatawag ako sa bank once may sapat na kong pambayad. sinagot ba naman ako ng "Good day!
kahit na pumunta kayo kay PNB/MBA samin pa rin nila kayo ipapasa dahil delinquent na ang account nyo at isa pa willing na mag file ng case laban sainyo si PNB/MBA " medyo nakaka off kausap ung agent sa CA na to. Same manner sila ng pakikipag usap sa client nung previous na kausap ko sa agency nila. last time kasi hindi lang ako nakasagot agad sa email nila bigla ako sinabihan nung agent na may balak pa daw ba ako magbayad at pinahahaba ko lang daw ung conversation namin pero wala naman daw akong balak mag settle.
jusko mga CA ngayon parang naghahabol ng quota porket alam nilang may lalabas na bonus at magpapasko.
Good day. I received email from Collection ng Eastwest para sa amnesty kaso di pa rin kaya since nawalan ako work this year. May nakalagay po dun na possible for legal action. Hinde naman po nag ffile ang EWB di ba? Naka CC sa email Constantino Law office pero ang title naka sama open close parenthesis RGS. Salamat po
ReplyDeleteMay defaulted din poba dito sa home credit cash loan
ReplyDeleteFAO: ************
ReplyDeleteThis is from Credit Investigations Bureau Inc.
RE: WRIT OF EXECUTION FOR VIOLATION OF ARTICLE 318 DECEIT (Warrant to Seize Property) against you will be conducted onJanuary 23, 2024 by Court Sheriffs & Authorities. Kindly secure your presence at your Residence Venue on given date to avoid any untoward incidents. You may call Atty. Ledesma at 0967-927-0414 for details to avoid full extent of the Law.
posible po ba ito?
maging totoo lang to pag maniwala ka. karami ng na share dito na ganito. one of the many lies ng hunghang na CA crooks.
Deletetapon. mag backeread na rin.