Question lang po. If ever may cheke po ako na idedeposit ko po sa ibang bank pero yung cheke po na inissue at nakapangalan saakin ay from the bank na delinquent ako, may chance po ba na mahold po yung cheke ko? Thank you po in advance sa sasagot.
Nakakalungkot naman ito. Robinsons bank ang nagdemanda sakin tapos may papasok na loan kmi sa bpi di kaya kunin na ung deliquent ko na amount? Salamat po sa sasagot. Wla pa nman po notice of garnishment pero may desisyon napo.
Hello :) This blog is very helpful specially to new defaulters like me. I hope this question gets posted.
1. Is it possible for CAs to share information ng defaulters like home address to other CAs? I have HSBC card na nasa PrimeAlliance na. I changed my address but for some reason nagpunta pa rin sila sa old address ko where I'm currently staying. Sa sobrang taranta ko, inaccept ko ung demand letter and the messenger called someone and pinakausap sakin. Napilitan tuloy ako magbayad kahit di ko pa kaya talaga ung monthly payments na sinetup nila. Ang worry ko, baka ishare nila sa ibang CA ung home address ko and baka mapuntahan din ako ng ibang CA :( I know ung mga diskarte pero iba pa rin kasi ung kaba pag andyan na sila. I also have CC from Security Bank, PNB and recently EastWest na di ko na rin nabayaran.
2. Today I received an email from PrimeAlliance ulit for Endorsement for Field Visit daw. Nagulat ako since nakausap ko naman na sila ang nasetup na ung payment arrangement and so far hindi pa naman ako pumapalya sa bayad. May nakaexperience na po ng ganito? Nagbabayad na pero may field visit pa ulit?
Thank you talaga sa nagcreate ng blog na to. I'm always seeing Kinakape, banker, cherry briansurewood na sumasagot sa questions. Sana po masagot nyo rin ung questions ko. Thanks in advance!!!
Do they share info across CA's? Maybe. Field visits maski may payment plan na? Probably. I hope the money you pay goes to the satisfaction of your debt. Andami ko na nabasa na binubulsa lang ng agent ang bayad.
SilentReader01 here. For some reason, I cant login but anyway share ko lang po update. Dahil sa blog na to lumakas loob ko sumagot sa mga CA. I replied to their email for field visit and kinopy ko si BSP, NBI cyber crime and HSBC mismo. I told them may payment arrangement na bakit may field visit ulit. They did not reply so I called them instead. Ayun humingi ng pasensya kasi automatic daw ung email na sinend sakin like WTF? Nakaschedule pala talaga kung kelan sila manghaharass. Thank you talaga sa blog and admins dito!!! I feel empowered now.
SilentReader01 - Kinakape, ung payment ko po sa arrangment with PrimeAlliance is kay HSBC card ko po talaga binabayad hindi directly kay primealliance. But as I have read here, mukhang sa knila nga lang mapupunta since nabili na ata nila utang ko sa bank. Oh well. At least one off my plate na.
As far as I know they cannot share that, unless yung mga defaulted banks mo have the same Collection Agency, which happens.
As for your other question, nakakuha ka ng letter for field visit because some Collection Agencies are disorganized. That might have halpened in error.
@BrianSureWood salamat po sa pagsagot. Nakausap ko kanina si CA disregard daw the field visit email, naka auto send daw kasi sa system nila. I'm wishing na sana hindi sa knila maassign ung ibang cards ko. Or if maassign man, after nalang sana ng payment ko sa HSBC. Di ko kaya pagsabay sabayin.
pano po kaya if business savings account name but ako yung isa sa mga signatory, possible po bang ma garnish din yun? meron po kasi akong default sa CC Robinsons Bank since 2021 pa and yung savings account namin for business under same bank din.. thanks po
Meron ako robinsons bank na balance 40k. Nakipag nego ako ng dscount para ma pay in full pero ung CA na ng email sakin ang cnasabi for filling na daw ng case. Di ko maintindihan bat ayaw nila intertain na e one time payment. Mas gus2 nya na payment arrangement.
Question po sana. I have a Sbc card 3-4 months na ako hindi naka bayad at naka internal collections na daw. Pero today they deducted the whole menimum payment sa payroll account ko also with Sbc. Pa help naman po kng paano po ito. Kaso sa pag kaka alam ko dapat hindi nila ginalaw ang payroll account ko
Hello po silent reader po ako defaulter po ako ng Metrobank since cguro po mga 2016 ngaun po email ng email po sa akin ung law firm iniignore ko lang kasu paulit ulit lang naman ung email galing po un sa Ff Magtibay law kahit ibang araw na kaso po ngaun naka receive ako ng panibagong email galing na po sa SP madrid ito po email nila hindi na po kasi ako nagbubukas ng email dahil ayaw ko na po ma stress kaso ngaun nag open ako then ito po bago naman
Good day Mr./ Ms .
This is Ms. from the Legal Department of SP Madrid and Associates.
This is regarding your long overdue credit card account in METROBANK which was acquired by Collectius Phils
Please be informed that we are about to start the review of accounts for possible legal process.
Would like to know if your account is for settlement or will just recommend your account to proceed through possible legal process?
In line with this, as a way to ease the financial burden of paying for your credit card obligation. Collectius AG, which owns your account in METROBANK are offering you an AMNESTY PROGRAM which includes a substantial reduction in your outstanding balance.
If you have no response by 5pm – December 21,2023 . It means that you are no longer interested in settlement.
Simply reply to this email with your contact number to confirm and avail the program or call us at 09190599878 / 0285386424 or email cllegal@spmadridlaw.com
Sana ma help nyo po ako kung totoo po ba. Willing to pay pero baka hindi pa po ngaun. Kaya lang po umaandar ang araw baka mag file na po cla. Thanks in advance po sa replies. GOD BLESS
Hello 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
Hi po question lang. Nababasa ko kasi dito na yung mga nafile-an ng case ng BPI ay SP Madrid ang humawak. Meron din akong default pero sa ibang bank naman ay in a period of 5 years, twice na ako natawagan ng SP Madrid. One in 2020 and another in 2022. Naghohouse visit pa nga.
Ibig sabihin po ba nun yung bank na may utang ako does not pursue cases unlike BPI?
Actually po July 2018 pa ako last nakabayad sa loan ko, salary loan po yun. Nagdefault na rin at hindi ko na po kinaya. November 2018 unang may tumawag na CA, iba't iba na po CA ang napagpasahan ng account ko eh. Nung May-July 2020 at Sept-Dec 2022 po nahawakan ng SP Madrid. Then, naipasa na rin sa iba kasi wala naman sila nakukuha sa akin. Sa ngayon, Cendana-Neri po yung nangungulit.
Merry Christmas everyone. I just want to share my journey being a defaulter from wayback 2012. I'm in default for Citibank, BPI, SCB, Metrobank and HSBC. It was nightmare and I almost lost my sanity. Almost everyday I received email, letters, text and calls from CAs at kung saan2 na lang nalilipat account ko. Lagi lang ako natambay dito kc ang blog na to ang nagpalakas at nagpatibay ng loob ko. I read all the testimony of all defaulters na nakasabayan ko and I'm very thankful also to banker and ms. cherry for all the advise, I can even talk to banker by that time and siya pa natawag sa akin if I badly need help (thank you so much for that banker 😀) For 11 years masasabi king I surpass all that hardship, wala akong nabayaran ni isang cc, walang nagdemanda, at wala ring home visit na nangyari (bless lang din cguro ako kc sinamahan ko rin ng dasal) For now tahimik na buhay ko wala ng nangungulit na CA kahit inabot na ng millions utang ko I even got Nmax for my hubby thru bank loan, payroll ko sa metrobank di nila pinapakialaman. Kaya mapapayo ko lang sa mga new defaulters wag kayo papasundak sa mga CA, kung di pa kayang magbayad deadmahin nyo muna sila ipriority muna ang pangangailangan ng pamilya, lilipas din yan at magugulat na lang kayo nasurvive nyo na pala ang dilemma na ito. Keep on praying lang always.
Thanks for sharing your experiences. We may have different and differing diskartes, pero ang bottomline is to ensure we maintain our sanity, focus and well-being. Again, we are much bigger and better than being defaulters.
Hindi ko na matandaan if how much inabot yung total ng cc ko ng madefault but a year ago naka receive pa ako email from SCB na inabot na daw ng 1.1M utang ko 10 years ba nman na mahigit sa laki ng interest at penalty lolobo tlaga ng husto. Hindi ko na lang din iniisip wala nman na akong pambayad kaya bakit ko pa problemahin. Focus na lang tlaga muna sa family needs at wag na silang isipin para iwas stress.
Meron din ako SB under SP Madrid iba iba ang agent nila na nag eemail sa akin though iisang email lang gamit nila. Kinukulit nila ako mag undergo ng installment unfortunately di ko pa talaga kaya.
Mejo busy at maraming time si SP Madrid ngayon ha, 1 week ago pumunta tlaga sila dito sa bahay kahit na nacoxontact naman nila ako sa cell ko. Sabi magsasampa na daw ng kaso for my Metro account na nasa Collectius na daw. Sabi ko, wala naman ako magagawa kung yun ang plano nila, wla rin naman ako pambayad. Ayun, babalik nlng daw sila. 2011 pa ako last nakabayad sa Metro ko, nag attempt ako makiusap para mag payment plan pero mukhang ayaw nmn nila saken. Ngayon, eto nanggugulo after 12yrs kung kelan wla na ako lalo pambayad.
After 12 years nagresurrect pa, sana ung akin manahimik na ng tuluyan though alam ko from time to time may susulpot talaga pero carry lang deadma pa rin wala nman akong pambayad tapos na akong magpaka stress sa kanila. Utang lang yan mas masarap pa ring mabuhay kasama ang pamilya.
Hm po defaulted nyo sa Metrobank.. Antagal na po bago ulit sila naningil. Ask ko lang po Kung Gano po kalaki ung tinaas mula sa outstanding balance nyo po dati. Thanks
Hello po!
ReplyDeleteQuestion lang po. If ever may cheke po ako na idedeposit ko po sa ibang bank pero yung cheke po na inissue at nakapangalan saakin ay from the bank na delinquent ako, may chance po ba na mahold po yung cheke ko? Thank you po in advance sa sasagot.
If I understand your question correctly. Nope.
DeleteNakakalungkot naman ito. Robinsons bank ang nagdemanda sakin tapos may papasok na loan kmi sa bpi di kaya kunin na ung deliquent ko na amount? Salamat po sa sasagot. Wla pa nman po notice of garnishment pero may desisyon napo.
ReplyDeleteHello :) This blog is very helpful specially to new defaulters like me. I hope this question gets posted.
ReplyDelete1. Is it possible for CAs to share information ng defaulters like home address to other CAs? I have HSBC card na nasa PrimeAlliance na. I changed my address but for some reason nagpunta pa rin sila sa old address ko where I'm currently staying. Sa sobrang taranta ko, inaccept ko ung demand letter and the messenger called someone and pinakausap sakin. Napilitan tuloy ako magbayad kahit di ko pa kaya talaga ung monthly payments na sinetup nila. Ang worry ko, baka ishare nila sa ibang CA ung home address ko and baka mapuntahan din ako ng ibang CA :( I know ung mga diskarte pero iba pa rin kasi ung kaba pag andyan na sila. I also have CC from Security Bank, PNB and recently EastWest na di ko na rin nabayaran.
2. Today I received an email from PrimeAlliance ulit for Endorsement for Field Visit daw. Nagulat ako since nakausap ko naman na sila ang nasetup na ung payment arrangement and so far hindi pa naman ako pumapalya sa bayad. May nakaexperience na po ng ganito? Nagbabayad na pero may field visit pa ulit?
Thank you talaga sa nagcreate ng blog na to. I'm always seeing Kinakape, banker, cherry briansurewood na sumasagot sa questions. Sana po masagot nyo rin ung questions ko. Thanks in advance!!!
Do they share info across CA's? Maybe.
DeleteField visits maski may payment plan na? Probably.
I hope the money you pay goes to the satisfaction of your debt. Andami ko na nabasa na binubulsa lang ng agent ang bayad.
SilentReader01 here. For some reason, I cant login but anyway share ko lang po update. Dahil sa blog na to lumakas loob ko sumagot sa mga CA. I replied to their email for field visit and kinopy ko si BSP, NBI cyber crime and HSBC mismo. I told them may payment arrangement na bakit may field visit ulit. They did not reply so I called them instead. Ayun humingi ng pasensya kasi automatic daw ung email na sinend sakin like WTF? Nakaschedule pala talaga kung kelan sila manghaharass. Thank you talaga sa blog and admins dito!!! I feel empowered now.
DeleteSilentReader01 - Kinakape, ung payment ko po sa arrangment with PrimeAlliance is kay HSBC card ko po talaga binabayad hindi directly kay primealliance. But as I have read here, mukhang sa knila nga lang mapupunta since nabili na ata nila utang ko sa bank. Oh well. At least one off my plate na.
DeleteI had a checking account with Robinsons Bank. When the acquisition was announced, I withdrew my money last year and closed the account. Mahirap na.
ReplyDeleteSilentReader01,
DeleteAs far as I know they cannot share that, unless yung mga defaulted banks mo have the same Collection Agency, which happens.
As for your other question, nakakuha ka ng letter for field visit because some Collection Agencies are disorganized. That might have halpened in error.
@BrianSureWood salamat po sa pagsagot. Nakausap ko kanina si CA disregard daw the field visit email, naka auto send daw kasi sa system nila. I'm wishing na sana hindi sa knila maassign ung ibang cards ko. Or if maassign man, after nalang sana ng payment ko sa HSBC. Di ko kaya pagsabay sabayin.
DeleteMeron list ng Collection Agencies at yung mga bank na affiliated sila.
DeleteGoogle mo yung.List of accredited Collection Agencies 2023.
Ididigest PA
Deletehttps://www.ccap.net.ph/wp-content/uploads/2023/04/List-of-Accredited-Collection-Agency-as-of-April-2023.pdf
Deletepano po kaya if business savings account name but ako yung isa sa mga signatory, possible po bang ma garnish din yun? meron po kasi akong default sa CC Robinsons Bank since 2021 pa and yung savings account namin for business under same bank din.. thanks po
DeleteMeron ako robinsons bank na balance 40k. Nakipag nego ako ng dscount para ma pay in full pero ung CA na ng email sakin ang cnasabi for filling na daw ng case. Di ko maintindihan bat ayaw nila intertain na e one time payment. Mas gus2 nya na payment arrangement.
ReplyDeleteQuestion po sana. I have a Sbc card 3-4 months na ako hindi naka bayad at naka internal collections na daw. Pero today they deducted the whole menimum payment sa payroll account ko also with Sbc. Pa help naman po kng paano po ito. Kaso sa pag kaka alam ko dapat hindi nila ginalaw ang payroll account ko
ReplyDeleteOffset yan. If youre willing and able to fight for it ask Banker for guidance. FYI he is already retired.
DeleteHello po silent reader po ako defaulter po ako ng Metrobank since cguro po mga 2016 ngaun po email ng email po sa akin ung law firm iniignore ko lang kasu paulit ulit lang naman ung email galing po un sa Ff Magtibay law kahit ibang araw na kaso po ngaun naka receive ako ng panibagong email galing na po sa SP madrid ito po email nila hindi na po kasi ako nagbubukas ng email dahil ayaw ko na po ma stress kaso ngaun nag open ako then ito po bago naman
ReplyDeleteGood day Mr./ Ms .
This is Ms. from the Legal Department of SP Madrid and Associates.
This is regarding your long overdue credit card account in METROBANK which was acquired by Collectius Phils
Please be informed that we are about to start the review of accounts for possible legal process.
Would like to know if your account is for settlement or will just recommend your account to proceed through possible legal process?
In line with this, as a way to ease the financial burden of paying for your credit card obligation. Collectius AG, which owns your account in METROBANK are offering you an AMNESTY PROGRAM which includes a substantial reduction in your outstanding balance.
If you have no response by 5pm – December 21,2023 . It means that you are no longer interested in settlement.
Simply reply to this email with your contact number to confirm and avail the program or call us at 09190599878 / 0285386424 or email cllegal@spmadridlaw.com
Sana ma help nyo po ako kung totoo po ba. Willing to pay pero baka hindi pa po ngaun. Kaya lang po umaandar ang araw baka mag file na po cla. Thanks in advance po sa replies. GOD BLESS
If I were you, tatawagan ko ang Colectius baka mamakuha ka ng magandang arrangement.
DeleteKung wala ka naman ibabayad, okay lang. Wala naman sila magagawa.
Contact them and let them know youre willing to settle that is if you have the funds to settle.
DeleteHi! Saan po ba pwedeng mag email or magsumbong regarding Landbank branches na nakikipagcooperate sa sheriff para maggarnish ng payroll accounts?
ReplyDeleteHello 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
ReplyDeleteDefaulter_E,
DeleteNope. Di na ko nag-settle. When I was garnished in 2010, I tried to settle pero hindi pumayag yung Collections Agency.
Yan na lang ang utang na di ko nababayaran. Unless I can figure out a way to settle without raising red flags.
Merry Christmas everyone!
ReplyDeleteMerry christmas 😁
DeleteHappy Holidays guys
ReplyDeleteHi po question lang. Nababasa ko kasi dito na yung mga nafile-an ng case ng BPI ay SP Madrid ang humawak. Meron din akong default pero sa ibang bank naman ay in a period of 5 years, twice na ako natawagan ng SP Madrid. One in 2020 and another in 2022. Naghohouse visit pa nga.
ReplyDeleteIbig sabihin po ba nun yung bank na may utang ako does not pursue cases unlike BPI?
Twice ka lang natawagan ng SP Madrid? Youre lucky 😊
DeleteKung 2020 at 2022 lang yan, maaga pa para mag-file ng case. Consider mo din na nagka-pandemic.
DeleteKung magdedemanda yan, it will either be in the next 2 years. If di naman.magdedemanda, you're lucky.
Actually po July 2018 pa ako last nakabayad sa loan ko, salary loan po yun. Nagdefault na rin at hindi ko na po kinaya. November 2018 unang may tumawag na CA, iba't iba na po CA ang napagpasahan ng account ko eh. Nung May-July 2020 at Sept-Dec 2022 po nahawakan ng SP Madrid. Then, naipasa na rin sa iba kasi wala naman sila nakukuha sa akin. Sa ngayon, Cendana-Neri po yung nangungulit.
DeleteMerry Christmas everyone. I just want to share my journey being a defaulter from wayback 2012. I'm in default for Citibank, BPI, SCB, Metrobank and HSBC. It was nightmare and I almost lost my sanity. Almost everyday I received email, letters, text and calls from CAs at kung saan2 na lang nalilipat account ko. Lagi lang ako natambay dito kc ang blog na to ang nagpalakas at nagpatibay ng loob ko. I read all the testimony of all defaulters na nakasabayan ko and I'm very thankful also to banker and ms. cherry for all the advise, I can even talk to banker by that time and siya pa natawag sa akin if I badly need help (thank you so much for that banker 😀) For 11 years masasabi king I surpass all that hardship, wala akong nabayaran ni isang cc, walang nagdemanda, at wala ring home visit na nangyari (bless lang din cguro ako kc sinamahan ko rin ng dasal) For now tahimik na buhay ko wala ng nangungulit na CA kahit inabot na ng millions utang ko I even got Nmax for my hubby thru bank loan, payroll ko sa metrobank di nila pinapakialaman. Kaya mapapayo ko lang sa mga new defaulters wag kayo papasundak sa mga CA, kung di pa kayang magbayad deadmahin nyo muna sila ipriority muna ang pangangailangan ng pamilya, lilipas din yan at magugulat na lang kayo nasurvive nyo na pala ang dilemma na ito. Keep on praying lang always.
ReplyDeleteThanks for sharing.
DeleteHow much was your total default?
Thanks for sharing your experiences. We may have different and differing diskartes, pero ang bottomline is to ensure we maintain our sanity, focus and well-being. Again, we are much bigger and better than being defaulters.
DeleteHindi ko na matandaan if how much inabot yung total ng cc ko ng madefault but a year ago naka receive pa ako email from SCB na inabot na daw ng 1.1M utang ko 10 years ba nman na mahigit sa laki ng interest at penalty lolobo tlaga ng husto. Hindi ko na lang din iniisip wala nman na akong pambayad kaya bakit ko pa problemahin. Focus na lang tlaga muna sa family needs at wag na silang isipin para iwas stress.
DeleteMeron din ako SB under SP Madrid iba iba ang agent nila na nag eemail sa akin though iisang email lang gamit nila. Kinukulit nila ako mag undergo ng installment unfortunately di ko pa talaga kaya.
ReplyDeleteMejo busy at maraming time si SP Madrid ngayon ha, 1 week ago pumunta tlaga sila dito sa bahay kahit na nacoxontact naman nila ako sa cell ko. Sabi magsasampa na daw ng kaso for my Metro account na nasa Collectius na daw. Sabi ko, wala naman ako magagawa kung yun ang plano nila, wla rin naman ako pambayad. Ayun, babalik nlng daw sila. 2011 pa ako last nakabayad sa Metro ko, nag attempt ako makiusap para mag payment plan pero mukhang ayaw nmn nila saken. Ngayon, eto nanggugulo after 12yrs kung kelan wla na ako lalo pambayad.
ReplyDeleteAfter 12 years nagresurrect pa, sana ung akin manahimik na ng tuluyan though alam ko from time to time may susulpot talaga pero carry lang deadma pa rin wala nman akong pambayad tapos na akong magpaka stress sa kanila. Utang lang yan mas masarap pa ring mabuhay kasama ang pamilya.
DeleteHm po defaulted nyo sa Metrobank.. Antagal na po bago ulit sila naningil. Ask ko lang po Kung Gano po kalaki ung tinaas mula sa outstanding balance nyo po dati. Thanks
DeleteHindi na Metrobank ang naniningil sa inyo, Collectius na since nabili na nila ang account nyo. Wala na kinalaman dyan ang Metrobank.
DeleteThank you po talaga sa admins ng blog na ito kasi dito lang ako kumakapit. Dito lang ako kumakalma at nagkakapag-asa.
ReplyDelete