https://rcbccredit.com/blogs/what-happens-to-unpaid-debt-when-a-credit-card-holder-dies--40
There's an excerpt on the RCBC blog post that reads, "If you’re worried they’ll seize your house and evict your family, the Family Code and Commonwealth Act No. 141 prevents this from happening. The bank can’t claim your family home, no matter your outstanding debt."
Even RCBC knows and acknowledges the limitations of debt collection on their blogs.
Hi Banker..Sir kinakape..sir Brian..mam cherry..soon kapag nakaluwag po ako this december..dahil binigyan niyo ako ng peace of mind after magback read ng magback read..magbibigay po ako ng pang kape at burger!hehe..Thank you po sa blog na ito..super thankful po ako..kung di ko nabasa to baka nabaliw na ako kakaisip ngayon sa dami ng sulat na dumarating sa bahay.email..txt messages..bagong defaulter po ako..marami pong nangyari sa buhay
ReplyDeleteKo in a snap of an eye..pero i am learning from it..i pray na malampasan natin lahat ito..and i pray someday.makapagbayad kung meron talaga..keep safe everyone and fighting!❤️❤️❤️❤️
Im a new defaulter as well. This group saved my sanity. Let us help each other as Banker and the admins have helped us unconditionally.
Delete🥰🙏
DeleteHello @Kinakape nasa magkano po ang defaulted balance niyo and ilang months na po?
DeleteBtw, I'm new to this page pero dahil sa mga nabasa ko somehow nagkapeace of mind ako, feeling ko one step ahead na ako sa magiging laban ko in the coming weeks, months, even years. So sa lahat po ng bumubuo ng blog na ito, thank you very much!
Blog description - a blog dedicated to support, uphold and maintain human dignity of Credit Card Defaulters.
ReplyDeleteLet us stay sane, with our common sense intact, and share appropriate information to others. We are way better, bigger, and bolder than being defaulters.
Road to financial recovery and freedom.
ReplyDeleteHello po, magandang araw po sa lahat. Magtatanong lang po sana kung gaano kaya katagal o kabilis ang pag garnish sa bank account. Today po kasi nakareceived ako ng registered mail galing sa MTC may desicion napo ang court. Nademanda po kasi ako ng Robinsons bank. Default amount is 97k ung desicion po is 150k. Dapat e173k. Kasi mayactive card pa po ako at binayaran ko po iyon ng 400k kasi umaasa po ako na maloan ko po ulet kaso nawala napo ang madness. Inuna ko bayaran kasi po ang min amount due ko na po sa 375k is nasa 13 to 14k na halos nawawala sakin monthly. Kaya inisip ko po para ung min amount na dati e papasok na sa principal once maloan ko po. May pwese pa nman po ako mlaoan kaso un po yung credit limit nalang ang pinag aalala ko lang po e baka pagpumasok ung loan credit to cash magarnish lang po. Patulong naman po kung ano po maganda gawin ko po.. ano po kaya sa palagay nyo po ang best thing na gawin? Napakabilis ni Robinson magdemanda ang liit lang naman po ng credit limit.😔 Salamat po sa nyo..kung di dahil sa diskarte malamang nasiraan napo ko ng bait nung kasagsagan ng pandemic sa narereceived ko na demand letter. Sobrang laki po ng tulong nyo para marelax ako at makatulog sa gabi.
the pace of garnishment is dependent sa lawyer ng bank. typically, within two years mostly. pero huwag mo na antayin yun. as early as this time, huwag na magtambay ng pera sa banks, if ever meron man. pag salary, withdraw agad.
Deletetama ka - interesting si Robinsons. Kahit maliit, pinapatulan. i have two accounts sa kanila. defaulted for more than 3 years, at mas malaki pa sa amounts mo. waiting for case filing ako, if ever. hehehe.
but then again, pag wala kang pera, eh di wala rin silang makukuha sayo.
chill, relax, pray. tuloy lang ang diskarte.
Tama si Sonixx Haven, once may kaso na, wag na gamitin yung bank account nyo.
DeleteIn my case, my mother and brother opened an account under their name and yun ang ginamit ko for 7 years.
And yes, nasa 2 or 3 years ang pace ng garnishment proceedings.
Napakabilis nga po nga desisyon Sir, Nov nagpunta dito messenger nagdala ng makapal na papel tapos nakalagay duon Nov 9. ung hearing, according po sa nagdemanda pangalawang hearing nadaw po. Hindi ako nag attend po nuong hearing ng Nov 9. Pero kinontak ko po sila ang sabi nila hindi daw po nagbibigay ng malaking discount si Robinsons ,since wala pa po ako pambayad kasi may sinesettle po ako na mga bayarin sa tao na nakuha namin nung pandemic pa ayaw ko po masira pangalan ko sa nagkaluwag samin. Usapan namin po ni hubby bayaran namin paisa isa ung mga cc once bayad na sa mga tao kaso napakabilis kumilos ng robinsons bank. Ito papo pinakamaliit na credit limit ko. Di ko inaakala na sila pa magdemanda. Salamat po sa advice Sir.
DeleteNag open po ng account ung dalawang anak ko isang 13 yrs old and 10 yrs old may atm sila so need ng signature ko po. Ito po kaya ay safe sa garnishment? One time garnishment lang po kaya? Natatakot ako na sa bilis ng kaso e bka mahold na mga bank account ko po. Magagamit ko pa din po kaya ito o nakahold na?
DeleteHello po ask ko lang po Kung ilang yrs po kayo defaulted Kay Robinsons bank bago po kayo nademanda ng robinsons bank
DeleteNung pandemic po ako di nakabayad. Mga 2021 po siguro un pero ang bilis po ng demanda hearing tapos dumating na din po kagad ung ano po decision ni Judge. 1sy week ng dex ko po nareceivved
DeleteIMO kung kakababa lang ng desisyon safe pa ang latest loan mo. But just in case call the bank kung pwede mo na lang kunin as cash sa branch.
ReplyDeleteSalamat po kinakape.. malalaman po kaya nila na may decided case nko? O medyo matagal pa po iyon. Kay hubby po kasi ung card auppplementary lang po ako. Wala pa po sa kanya nagdemanda. Kaya parang un palagi inaantay namin at naka isa na nga po ako😔
DeleteSalamat po kinakape.. malalaman po kaya nila na may decided case nko? O medyo matagal pa po iyon. Kay hubby po kasi ung card auppplementary lang po ako. Wala pa po sa kanya nagdemanda. Kaya parang un palagi inaantay namin at naka isa na nga po ako😔
DeleteThey have ways to find out if they wanted to.
DeleteMedyo off topic po: Paano po ang diskarte sa home loan po? In default po kami for 6 months. One month lang po muna ang kaya naming bayaran.
ReplyDeleteThis is a secured loan. If di na kaya then surrender it or tough it out and get evicted.
DeleteGood day po sa inyong lahat , matagal napo ako defaulter ng 4 cards po at silent reader po ako dito. Ara po nickname ko Puro cash loan po ang nakuha ko sa apat na card ko ang pinakamalaki po is ung metrobank. Pwede ko po ba malaman cp # kung sino po pwede ko makausap please po until now bigla na naman ako inatake ng anxiety at stress ko po. May mga question lng po ako pls... Banker mam cherrylou, sir kinakape, sir bryan.
ReplyDeleteBackread. Its somewhere here. And along the way Im sure mababasa mo din ang sagot sa concern mo.
DeleteSorry, damay po ba yng digital banking sa garnishment like Gcash and CIMB?
ReplyDeleteHi po may itatanung lang po may sinend sakin si bdo last few days regarding sa walang payment sa bdo for 3 years since pandemic at nagchange ako ng cp number and wala ako sa residence na niregister ko kc nasa province pa ako since pandemic pero by next year babalik na po ako sa residence na nakaregister sa bank tingin nyo po once na nakabalik ako sa residence ko pupunta kaya sila kc may sulat sila na email sakin sa bdo legal affairs mismo natatakot ako baka pumunta talaga sila sa bahay
ReplyDeleteThis is in regards with your BDO Unpaid Unpaid Account,
As per checking on our system you still don’t have any payment, after so many options that we gave you and so many chances that we offer you, you still decided to ignore your unpaid account. This will be your “FINAL WARNING”, we will give you until November 30 for the last chance to update your account. If you don’t have any payment even minimum then we don’t have any choice but to proceed with a possible legal case against you which is delayed for more than a month now. When that happens, might as well don’t settle anymore and look for your defense lawyer instead, that might help you in higher court. Allow me to illiterate that you are ignoring your account since 2021 without any decent payment, we are just letting you pay below 1% of your interest but that is not enough. Contacting us is good as well but without payment, you are still considered delinquent, you cannot delay the process any longer. Update your account or ignore it again? It is your decision already
You have no control on anything that they want to do with the case.
DeleteMagandang araw po Ms./Mr. &&&&&&&&& , si sec po ito dito sa barangay. Pwede po ba kayo pumunta o tumawag dito sa Barangay hall at gusto po kayo makausap ni Kapt. regarding sa bench warrant na i-execute ng mga pulis headed by P/MAJ Alexander Garcia. Please response asap!
ReplyDeleteGood day po! May nagtext po sakin nito now lang, legit po kaya ito?
Umaatake nanaman po ang anxiety ko dahil dito sa text na ito.
SCAM yan. Wag mo pansinin.
DeletePaadvice nmn po defaulted ako sa ibat iBang banks ung iba mag 2 years na latest lang cna pnb bdo at bpi may times na sa 1 araw10-15 missed calls ako may times nmn ndi nagpaparamdam Ang mga CA once in a while sumasagot nmn ako sa mga calls nla knina sumagot ako CA ng pnb bungad plang alam Kong ihaharass nako kc mataray ung boses some CA kc is mababait nmn kpg cnbi mo na Wla kpa ibabayad sasabhan ka lang cge mam tawagan nlng Kita ulit pero ung nakausap ko knina pinipilit ako pumasok sa installment program ndi ko daw pwedi ireason out na wala pako ibbyad kc nga ginamit ko daw Yung card nung cnbi ko na magfile nlng cla sa court sobrang nagalit ipapatwag daw Nia ako sa brgy wala tlga ako sa mood knina Kya nasagot sagot ko ung ca..tanong ko lang po kung may nkaexperinced na dto na knharap c CA sa brgy niu?
ReplyDeleteIpapatawag ka ng korporasyon sa baranggay?
DeleteNO SUCH THING.
Scam yan.
Nawala na po ung ibang threads natin sa Blogs?..
ReplyDeleteKaya nga po hinahanap ko din. Wag sana mawala mga threads dito kasi napakalaking tulong nito sa mga defaulters.
DeleteWE WOULD LIKE TO INFORM YOU THAT WE WILL CONDUCT A LEGAL VISIT IN YOUR BARANGAY TOGETHER WITH OUR PARALEGAL TEAM AND WITH THE ASSISTANCE OF YOUR BARANGAY OFFICIAL FOR DOCUMENTATION, FOR POSSIBLE CASE FILING.
ReplyDeleteTHIS IS REGARDING YOUR UNPAID OBLIGATION IN YOUR ACCOUNT. WE WILL SCHEDULE TO TALK ABOUT THIS MATTER WITH THE BRGY OFFICIALS IN YOUR RESIDENTIAL ADDRESS.
FOR THE FULL DETAILS YOU MAY CONTACT US 0955-236-9525 / 0905-805-2932 LOOK FOR name of Atty. Abelardo Custodio.
Anu po ang masabi nyo dito? Salamat po
Huwag po maniwala, at huwag matakot. Walang pupunta dyan para magsumbong pa sa barangay. Takutan lang yan, Pag natakot ka talo ka. Balita an mo kami kung totoo na ginawa nila yan, to which I doubt.
DeleteScam po yan.
DeleteHi I read that the BOC ay nag fa file ng case kahit small amount? may naka experience na po ba dito na ma filan nila? Gaano katagal po kaya bago sila mag file?
ReplyDeleteShare ko lang po para sa mga kapwa ko debters yung wins ko 2022-2023 when it comes to credit card debts. Meron po akong 100k kay eastwest including all charges na and na nasettle ko last dec 2022. Meron po ako kay metrobank na 300k plus and nasettle ko ng 108k na lang this dec 2023 both po nag offer ng amnesty kay naigrab ko na, ang nangyari po kasi yung SP Madrid po na collections naging firm po ako na sa email lang makikipag usap sa kanila para kako documented at the same time sinasabi ko po talaga na nag eemail ako mismo sa bangko para magtanong kuing meron silang amnesty offer at pag kaya ko magbabayd ako. totoo po yun pero lagi pong walang offer si metrobank at laging sinasabi na affiliated sila sa SP Madrid. Hanggang sa wala pong mapala sa akin ang SP Madrid dahil lagi kong sinasabi na sa bangko ako makikipag usap pag makakabayad na ako. That time sinisingil pa nila ako ng 275k. Hindi ko gnrab. Hanggang this October, nakakuha sila ng way para kontakin ung kaibigan ko, hindi ko alam paano nila nakuha ang contact number kaya ingat kayo dahil pwedeng sa fb nila nakkuha ang impormasyon kung naka tag kayo or what, magaling sila humalungkat. Tapos ang ginawa ko nag complaint ako thru email at naka send sa sp madrid, sa metrobank, sa nbi cybercrime at bsp. Sabi ko don, I have documents expressing my desire to pay. Pero wala pa ako pambayad sa hinihingi nila sa ngayon pero I am firm that I will pay when able. Hindi nila kako pwdeng gawin na kumontak sila ng kahit na sino na walang kinalaman sa utang ko. Ang nangyari after that, si Metrobank na po ang kumontak sa akin from there, nag offer sila ng amnesty from 300k to 108k na lang. Isa po ako sa mga nag susulat dito lagi asking kung paano pag ganto paano pag ganyan, umabot pa po na kinontak ang brgy captain namin at pinuntahan pa ako sa bahay. Isa po ako sa mga halos suicidal na dito. Pero dahil sa blog na to may nakapitan ako ng lakas ng loob. Napakarami nyo pong natulungan gaya ko , kaya sana itong story ko may matulungan din kahit paano. Cheers to debt free 2024!! Mabuhay po kayo!
ReplyDeleteHi, thank you for sharing. Same tayo na settle ko na si Eastwest. Pero si Metrobank hindi pa, 2 cards ko sa kanila. Ung 300k mo ba principal or kasama mga finance charges?
DeleteNakipag negotiate ako sana na ung one time payment na gusto nila kung pwede yun ung installment, kaso wala pa na contact ulit sa akin.
Saan email ka nila nagsend sa MB? Thank you in advance.
Hi. Gaano katagal na ang default mo sa two banks before nag alok sila to settle? Happy holidays.
Delete@Lacus gaano katagal bago mo na settle sa eastwest? Pede ko b malaman total.default mo sa EWB? Thx
DeleteCongrats! This is news that we need more of.
DeleteHi Kinakape, around 2 years po bago masettle. Pandemic ako nadefault, 2022 ako nakapag pay. Monthly may promo silang na email. Share ko lang din nung tumawag ang CA at nagsabi ng amount and deadline, tumawag ako sa main office nagpa extend ako na gawing 1 month para maipon ko ung amount. Pumayag naman, tapos may isang taga bank officer akong naka cc sa email ng CA, from bank din ako nag email sa contact person para sa Cert of Full Payment.
Delete@Lacus how much was your final settlement with EWB?
Deletekasama na po finance charges nag delinquent po ako last 2020. Mag email lang po kayo ulit para may record din kayo ng communication sa kanila , collections@metrobankcard.com po
ReplyDeleteHi Kinakape, around 180k to 200k ung nadefault ko. Tapos naging 400k based sa computation nila
ReplyDelete@Lacus nasa 400k ung final one time settlement mo kay EWB?
DeleteHello po, baka po may makapag share na nakapag settle na ng Security Bank kahit installment. Na default ako mag 4 years na. Kaso hindi ko kaya one time payment tapos kapag installment naman mas malaki pa amount kasi magbased sa default amount plus interest and charges. Thank you.
ReplyDeleteI settled with Security Bank last March 2019 for 24 months and lasted until January 2022. Sa Small Claims na kami nagsettle.
DeleteHi Sir BrianSureWood,
DeleteIlan years po bago sila nag case sayo? Ung last SOA ko po nasa 290k kasama finance charges na halos 8k per month. Kaya yan po sinasabi nilang principal. Ung CA na assign sa account ko ang sabi 400k payable ng 2 years. Pero may downpayment tapos subject for approval. Mas okay po kaya na sa bank tumawag? Baka kasi ibalik din ako sa CA. Kapag hintayin ko na lang ung sa small claims, mas okay po ba or andun pa rin ung malaking charges?
2020 po ako nadefault. Thank you.
Hi po ilang years po kayo defaulted sa SB bago sila nag file? almost 3 years na po ako defaulted sa kanila and kinukulit ako ni SP na pumayag sa 36 months kaso ayoko mag commit medyo di ko kasi kaya yung monthly na gusto nila mas prio ko ang needs ng parents ko and my ongoing installment pa ako sa hsbc hoping na matapos kahit pa isa isa lang muna. And how much po defaulted niyo sa kanila?
Delete@Lacus and @Anonymous,
DeleteNagfile ng case sakin ang Security Bank less than 2 years after I defaulted.
Nasa 140k ang balance ko and we settled at 125 if tama pagka-alala ko. 24 months starting March 2019 pero lumagpas ng umabot ng 2022.
Pwede nyo naman antayin magfile ng case kaya lang baka mas mataas na ang amount na pag-uusapan nyo.
Kahit naman sa bank kayo pumunta, ibabalik nila kayo sa Collections Agency. Kung wala pa talaga pambayad, wala naman kayo magagawa and wala din naman sila magagawa.
hi @BrianSureWood pano po mangyayari pag nagfile ng case? I also have around 150k balance kay Security Bank. defaulted around 4 months ago. I'm getting emails from Panlilio Credit & Collections na
DeleteDefaulter po ako s unionbank ung payroll namin under the same bank, pumasok po ung sahod at 13thmonth pay ko d ko agad na withdraw kc hanggang 20k lang hinayaan ko muna sa acct. Naka received ako ng email na kukunin nila ung balance sa acct ko ngayon ko lang nabasa pag check ko wala na yung pera 😭 pag nakipag usap po na ako ano possible n mangyayari? Pls advise po... Mag papasko walang wala kami 😭😭😭
ReplyDeleteKukunin at kukunin yan ng bank until mabayaran ng buo.
DeleteKausapin mo ang office mo. Ask them to issue you a check instead of depositing cash on your payroll.
Offsetting is in your terms of agreement. You can call the bank but I highly doubt that they'll credit the money back. Lesson learned na lang talaga.
Deletegarnishment of salaries is not sanctioned by law in fact, there is a prohibition to that effect on the ground of public policy; (3) that even if salary is subject to garnishment, it becomes effective only if it is in excess for the needs of petitioner and family.
DeleteG.R. No. L-21189 - LawPhil
Sadly, most defaulters tend to "withdraw" their petitions for certiorari once banks "apologizes" hence, pa-balik balik ang problems due to lack of subsequent jurisprudence
Thanks for the clarification sir Banker
Deletenakausap ko na po ang HR namin, unfortunately hawak ng 3rd party vendor payroll namin kaya wala silang control lalo na personal loan daw... Tumawag na po ako sa UB sabi nila d n daw mababalik ung pera at ma o off set n talaga lahat ng pera.papasok s acct. Natatakot po ako mag commit solo parent po ako baka lalo lang ako malubog. 😥
DeleteMeron akong past due loan din with union bank before ginagawa ko withdraw ko agad pgpasok ng sweldo naka abang ako pwede mo ma increase ang withdrawable amount mo or mas maganda online transfer mo na agad.
DeleteA CA email this after I answered them that I cant commit for the installment na binigay nila. Di ko masi talaga kaya ang 6k per month.
ReplyDeleteparang naiiyak ako sa email niya. since defaulted ako sa kanila nag aask na ako ng mahabang installment kaso di lagi pwede sagot nila.
Hanggang kailan ka hihintayin ng bangko? Bakit parang banko pa ang nakikiusap na magsettle ka ng account mo. Gusto lang ng bank na maibalik mo ang nahiram mo sa kanila.
Yan ang sinabi nila sa email? Nakapa unprofessional nyang email na yan. Delete.
DeleteKung walang pambayad, di mo naman kelangan magbayad ngayon. Hayaan mo sila.
DeleteHello po Sir Brian nung nag attempt po ba kayo mkpg negotiate kay BPI pwede ko po malaman ang amount na pinapa settle nila? and if nag email po ba kayo o tumawag? parang anghirap kase mkpg negotiate sa kanila kase yung nasa writ ko 3.5% per month and judgement parang ayaw na tlaga nila ako pgbayarin sa sobrang pgco cumpute ko if parang bago ako mkpg ipon baka hndi narin sufficient.. stress na naman ako
DeleteI'm on the brink of defaulting 4 of my cards. 2 of which is Unionbank, may Citi din ako pero gusto ko sana keep. Kaso under one bank na lang sila, damay na din yung Citi once madefault yung UB no? Gusto ko din sana malaman pano kapag may civil claims na and judgment at di pa din talaga makakabayad? Ano ang mangyayari sakin? Thank you.
ReplyDelete@anon wala po mangyayari sau. Meron dn ako ub 23k citi 40k. Pina2ngan nila ng charges madami. Pay ko sana one time payment pero sa kaya ko e pay pero ayaw nila kasi malaki gus2 makuha ni collection. Antayin ko ma aprove. Pinalaki pa nila kasi maliit palang.
ReplyDeleteMalaking amount kasi sa 3 cards, 500k total :(
DeleteMay bearing ba if mag-iinform ako sa bank na di na ako makakabayad?
ReplyDeleteThis is what I do when I sometimes reply to texts and emails.
DeleteDo you still answer calls?
DeleteI don't answer calls. No use because I have no funds to pay and I want my comms with them in writing.
DeleteThis is PrimeAlliance Mgt. Inc., an accredited partner of CIMB Bank. Your Personal Loan remains past due for more than . We demand full payment for your outstanding balance of Php 18,400.07 IMMEDIATELY. This matter requires your immediate attention, otherwise, we shall pursue legal action with additional legal fees to be imposed. For concerns, call us at XXXXXXXXX
ReplyDeleteMay nakasuhan na po ba ng CIMB? LAst 2019 ko pa po ito naloan before pandemic. Thank you po.
hello any update po dito? since meron ako revi 2 mos past due nasa 48k na po I have already received a demand letter.
DeleteHello po, sino po may UB Quick cash loan? na experience nyo po ba na deducted agad if may laman yung sa Pag Ibig Loyalty Card? Doon kasi naka link na account yung loan... May chance na pwede i-transfer agad? Thank you po...
ReplyDeleteHi jitters yup deducted yun agad sa savings account na naka indicate sa terms based from my experienced ma modify mo lang siya if mas early pumasok sa schedule of payment mo for example every 5th of the month ang due mo if may ppasok before that date pwede mo pa ma withdraw meron ding case na example every 11AM sila ngauto deduct then ngka system error yun ma uunahan mo pa sila mg transfer then if past due amount namn sample lapse kana sa payment contract mkkipg unahan kana sa kanila ako before na full paid inuunahan ko sila sa pg transfer pero within my loan terms pgka pasok na pgka pasok ng payroll ko auto deduct agad sa past due, system error and early credit of money lang applicable na mauunahan mo sila hope this helps
DeleteSalamat po, pag tapos na po yung loan term ganun pa rin po kaya? Mag Auto deduct pa rin?
Delete@jitters pg tapos mo na as in fully paid na automatic namn na mgstop.
DeleteHello po Sir @BrianSureWood nung nag attempt po ba kayo mkpg negotiate kay BPI pwede ko po malaman ang amount na pinapa settle nila? and if nag email po ba kayo o tumawag? parang anghirap kase mkpg negotiate sa kanila kase yung nasa writ ko 3.5% per month and judgement parang ayaw na tlaga nila ako pgbayarin sa sobrang pgco cumpute ko if parang bago ako mkpg ipon baka hndi narin sufficient.. stress na naman ako
DeleteHi, I also have a quick cash loan from union bank. Pag ibig loyalty card din po siya naka link, but I have a Unib payroll within the same online banking. over 2 mos na po ako delay sa payment. I plan on paying for sana nxt month pa. feb 15 madededuct kaya siya sa payroll account ko?
Deletedpat po ba may notice muna or writ ng garnishment before mag deduct or hold ng salary si BPI? bigla po kasi nila ni hold ung pera ko and waiting pa po ako matapos tong holiday para mkapunta directly sa branch, weird na di ako matulungan ng mga nsa CS hotline, please advise thanks!
ReplyDeletemetrobank defaulter ng 30k ,ask ako may plan kami asawa ko to aquired asset foreclosed makakapekto po ba to na d kami ma approved? salamat
ReplyDelete30K is manageable. If I were you I would settle with the bank para bawas isipin.
Deletepero pinipilit nila ang bayran is 75k or more un na raw ung last
DeleteHi po! Magtatanong lang po ako I am a RCBC defaulter since 2020, nagstart po ako ma default because of hospitalization bills.. from the start goodpayer naman po ako. Year 2021 nag open po ako ng savings acct. sa rcbc and made me as hexagon club member. Recently I received a call from CA GCSS& Assoc. intimidating po si CA and telling me na bat wala pa daw ako pambayad eh may trabaho naman daw po ako. Sabi ko naman sakto lang ung sinasahod ko sa pangangailangan ng pamilya ko as a breadwinner. And she’s telling me na demandable na daw ung case ko kaya maghintay nalang daw ako ng demand letter. As of writing today may na received na letter from law firm ung ka work ko kasi dun po pala pinadala and they received the letter with my consent. Now po, i dont know what’s inside the letter.
ReplyDeleteIf madedemanda po ako, makukuha po ba nila ung mga property na merun po ako? For example po merun po ako sasakyan and this coming march is fully paid na po ito. Do they have the rights to seized it po? Hope matulungan nyo po ako. Maraming Salamat po.
Silent reader here since 2020. Super thankful sa blog po na ito.
If the auto loan is under RCBC then di mo makukuha ang release documents. If not, di nila makukuha ang fully paid vehicle na walang court order.
ReplyDeletei have pagibig housing loan payable for 30yrs in the future if mafully paid ko xa makaka affect po ba ung pagiging defaulter ko sa cc pag nag turn over na ng title?
ReplyDeletePlease enlighten me, what if mag file na po talaga ng case regarding with this, Rcbc defaulter since 2020, then may two pa po akong account sa kanila na defaulted na din.
ReplyDeleteThank you po in advance
You may refer to the several demand letters, which were either personally delivered to you by our Legal Representative or thru our private couriers.
As a final gesture of respect to you, our client, RCBC CREDIT CARD., thru our Law Firm, is again formally and with serious urgency demanding payment from you of your said unpaid account, with a stern legal warning and advise not to dispose, sell, transfer your real (house and/or lot) and personal (car/s, TV, sala set etc.) properties, which may have been conditionally listed down by our officers and/or not to withdraw your bank deposits and/or your salaries and wages, if any, in the event the civil case for Collection of Sum of Money case has been filed against you and a Courts Decision has been rendered, which has become final and non-appeallable, and then served upon you, in which instance you may be subjected to Contempt of Court, if violated.
Your deafening silence and/or non-response to our said demands indicate your unjustified refusal to pay a just and demandable obligation to our said client.
However, in consideration of the present economic crisis, RCBC Credit Card, are offering you to pay the discounted amount of Php41,922.03 only, instead of your latest outstanding balance of Php69,870.05, as full payment of your account, within five (5) calendar days from receipt of this letter.
SCAM yan.
DeleteMaski ibenta mo lahat ng gamit mo or ubusin ang pera hindi ka ma cocontempt of court.
so kung may decided civil case ka, ano ngayon? kung wala ka pa ring resources to settle, wala rin. the banks know that.
DeleteBut your default is still manageable. Try to negotiate directly with RCBC and see if you could come up with a payment plan that you could easily comply with. Pero kung di talaga kaya mag monthly payments, wag na muna.
ReplyDeleteJanuary 18, 2024
ReplyDeleteFINAL DEMAND LETTER
Dear ,
This letter shall serve as FINAL DEMAND for and on behalf of our client, CIMB Bank Philippines Inc, to settle your outstanding loan under REVI Credit with account number of amounting to Php 46,481.04, inclusive of interests, penalties and other charges not later than January 22, 2024.
Despite our efforts to communicate, negotiate and assist you to amicably settle your outstanding obligation, you have failed and continuously and unjustifiably fail to reciprocate our efforts. We deemed your act(s) and/or omission(s) as evidence of clear intent to evade your obligations with CIMB.
Accordingly, we will be constrained to formally recommend to our client the filing of appropriate legal actions against you, including, among others, the urgent filing of a Complaint for Collection of Sum of Monies with Prayer for Preliminary Attachment before the appropriate court.
We thus urge you to settle your outstanding obligations immediately to prevent further legal action and additional costs. Should you intend to settle your outstanding account kindly call and notify Ms. Theresa Calero, Team leader on 09209689672/09152535457/09295641081 within twenty-four hours (24hrs) from receipt hereof.
We hope you will treat this letter with utmost urgency and preference.
Please be guided accordingly.
Sincerely,
Atty.
Legal Counsel
Roll No:
PTR No: / January 11, 2023/Plaridel, Bulacan
IBP Lifetime No: / March 18, 2015/Pasig City
MCLE Compliance No: /June 21, 2022/Pasig City
Hello po, I need help po sana. Aside kasi sa cc which 2mos over na po ako delay meron din ako kay revi credit under cimb. ayan po ang nareciv ko thru email today. much better po ba na tawagan ko sila today? pero kasi hindi ko po kayang bayaran ang full amount. if ever naman po makkapag start pa ko ng payment ng feb 15 partially. ano po ang best kong gawin?
Kung may pambayad maman na kausapin mo direkta ang lending bank. Baka maka kuha ka pa ng discount. Goodluck.
DeleteHello po, may na default na Po ba dito Ng PBCom? Thank you po.
ReplyDeletehi po, ask ko lng po kung nagkakaso po ba c Metrobank? nsa 300k plus po ung default ko
ReplyDelete