Presenting to you the ever passionate collection agencies.
These guys are super passionate about their job, which is to get people to pay up their debts.
But oftentimes, they get a bit too intense.
Some of these agencies can be pretty scary, using tactics that feel almost illegal to make sure defaulters like us pay what we owe. Always in haste and panic. At the expense of our common sense.
It's like they'll do anything to get that payment. They can move mountains of lies to make us pay.
We've got to be careful with them. Understand their moves and strategies. Let us learn their diskartes and manage them.
It's super important to know our rights and how to handle these situations.
Let us stay alert and protect ourselves from these collection agencies.
We need to know the right diskartes too. 
This is the list I was pertaining to.
ReplyDeleteTama si Sonixx Haven, there is a way to deal with this.
It is impotant to understand that Collection Agencies can only threaten you. And yung threats are more on the embarrassment side of things, like sa Barangay, o may pupunta sa bahay for ocular inspection.
Lahat po ay nagkaka-utang. Whether it's by your own making or bad luck, lahat po ay dumadaan dyan.
By knowing that, you can deal with Collectors more easily.
Now, dun sa mga nagdedemanda na banks, here is what you do.
If you have no capacity to pay, and wala kayo balak tanggapin ang mga sulat...
- Transfer your money to a bank account not under your name na walang utang. Your parents or siblings.
- Tell the people in your home not to accept any letters from anyone or sign anything kasi baka summons na yan. Mas mahirap gawin yan sa opisina since sa opisina pupunta yan kapag di ka maabutan sa bahay.
In my case, and as I have advised, accept the letters so you have an idea what is happening so you can prepare. That works for me, but it might not work for you.
In the end, they can't do anything if you can't pay. If they sue, make sure you are ready to transfer your cash to another account. Kung ang payroll mo ay bank na may utang ka, that might be a problem. Nangyari sakin yan and it was never a problem. Sa iba it was.
Hello po happy new year.. Pag po may nagpunta sa bahay dapat po I accept ung summon or hindi po.. Medyo naguluhan lang po ako sa 3rd to the last paragraph.. Thanks po
DeletePwede nyo po tanggapin at pwede din hindi.
DeleteAko po eh inatanggap ko at tinatawagan ko din ang collection agency dahil from experience baka meron offer na maganda at pag ikaw ang tumawag o email sa kanila, di kanila kelangan puntahan sa bahay o puntahan sa office o tawagan ka sa opisina.
Pwede ko po ba issuehan ng warrant of arrest kapag hindi ka sumipot sa summons?
DeleteGreat Post! If you like to meet them further, here's the link:
ReplyDeletehttps://www.facebook.com/PhilippineAgency
(Phil. Association of Collection Agencies- PACAI, Inc.)
p.s. - baka po they have changed their FB name, IDK
Thanks for the post Sonnix and Banker. Happy New Year!
ReplyDeleteHappy New Year everyone. We survived 2023. We will definitely survive 2024, another year to manage the CA crooks.
ReplyDeleteHappy New Year po! Sorry pakisagot naman po, kasama po ba yung digital banks ( GCASh,CIMB, Gotyme etc) sa pwrdeng igarnish na account?
ReplyDeleteWala pang nag share that theri digital banks and / or mobile wallets have been garnished. Pag meron na, kindly share for all of us to learn.
DeleteTechnically all six digital banks (Overseas Filipino Bank {OF Bank} of the Land Bank of the Philippines, Tonik Bank, UNO Digital Bank, Union Digital of Union Bank, Gotyme, Maya Bank) are all BSP licensed. Mobile wallet services like Gcash, Maya, Coins.ph, Grabpay, etc are also approved by BSP.
Garnishment of deposits emanates from a judgment. The only hitch is "if debtors can easily find it!"
DeleteWith digital banks and digital banking of traditional banks, the deposits are too "mobile" and it will take a resolute determination to find and hold them from a banking point of view.
p.s.
the downside for users however is :
most of these digital fintech channel are NOT covered by deposit insurance of PDIC.
p.s.s.
GCash is NOT a bank ( it's more of a pseudo bank. lol!)
.
I agree with Banker here. Kelangan masipag ang maghahanap ng bank account mo para sa garnishment.
DeleteKung tama ang pagkakatanda ko, para maexecute ang garnishment, ang kelangan puntahan ng Sheriff eh yung branch of your account to put your account on hold.
With Digital Banks,
since walang physical branch and main office lang kadalasan, they might ignore that. Ang pupuntahan ng Sheriff ay yung mga banks na malapit kung san ka nakatira o nagtrabaho.
And again, like Banker said, mabilis ang transfer.
It is bound by the same rules but for now, mas safe sya.
Happy New Year Everyone..May 2024 and the upcoming years brings unexpected blessings to each and everyone of us..Thank you for keeping this blog up to date and sa lahat ng diskartes na na eshare para mka move forward, recover and mkpg focus on what matters most despite
ReplyDeleteof cc debts.
COMPLETE NAME **** enerezz ko po 4 privacy purp0ses****
ReplyDeleteCASE NUMBER: 247110
COURT ORDER : PROPERTY EJECTMENT
ADDRESS
**** enerezz ko po 4 privacy purp0ses****
Despite repeated demands for you to pay your past due and outstanding obligation, you nonetheless failed to make good of your obligation. Schedule of field visit will be served to you with coordination of your Brgy. officials that will be held this
(DEC 22, 2023) by our legal representatives in line of the Complaint filed against you. Please Secure your presence at your Residence Venue to avoid any untoward incidents & commotions.
Coordinate with Atty. Jonathan Acosta
No: 09061650321 for details to avoid full extend of the law.
Sheriff. Dominador Masangkay
Municipal Trial Court
YAN UNG NATANGGAP KONG MAIL DEC 4 2023 NOW KO LNG NABSA AT HINDI KO NA ALAM ANG NANGYARI HINDI NA KASI AKO JAN NAKATIRA LUMIPAT NA KAMI
Kung totoo yan na hindi ka na dyan nakatira, at pumunta sila, di ba mukhang tanga yan kapag hinanap ka.😁
DeleteKaso, hindi totoo yan. Hindi magpapadala sayo ng warning na may i-serve sayo na summons. Makukuha mo na lang yan kapag dumating ang Sheriff, walang warning, sa bahay o office mo.
Wag ka mag-alala, hindi totoo yan. I usually encourage people to call collection agencies and settle, pero in cases like this, I am against it since the collection agency is not dealing in good faith.
This serves as STERN AND STRONG FINAL WARNING from FF MAGTIBAY LAW OFFICE on behalf of COLLECTIUS PH under METROBANK MCC1 PH.
ReplyDeleteFor how many times and in several attempts Our company sent its repeated demands for you to settle and pay your obligation but still unheeded .Thus, We will be giving you only THREE (3)days from receipt of this letter as your last opportunity to pay your OUTSTANDING BALANCE amounting Php
Otherwise,We will proceed in securing the necessary warrant and accounts once garnished through court process.
Be that as it may, FF MAGTIBAY LAW OFFICE on behalf of our client COLLECTIUS PHILIPPINES is willing to work on reasonable terms with you,just to settle this matter amicably. As such,You may contact these numbers:0968-851-2433/(02) 8255 9388.
Hello po pa help po ako if this is true may ocular visit po. Thank u in advance
Mag aabot lang ng final demand letter yan. Backread ka para alam mo diskarte.
DeleteGano na katagal tong utang mo sa Metrobank?
Delete@Briansurewood.. ano po sa pagkaalala ko po mga 2013 or 2014 po
DeleteKinukulit na lang kayo nyan kasi alam nila ang address mo, pero hanggang dyan na lang pwede nila gawin. They cannot sue you anymore so pwede mo na di bayaran yan.
DeleteHowever, since nabili na ng Collectius yang utang mo for a very low amount, pwede mo sila tawagan and ask how much you owe.
I have a strong feeling they will be more than open to a settlement considering wala naman sila pwede gawin and mura nila nakuha yang utang mo.
Pero, tumawag ka lang pag ready ka na. Pag hindi pa, let them be.
Same tayo Collectius Ph! Yung account ko with MCC was defaulted last 2010 pa tapos last year yan nangulit sila sakin. I’m hoping na babaan nila ang offer and inform ng matagal para makapagprepare.
DeleteSalamat po sir@briansurewood pag nag eemail po yan nasa 105k po ang balance ko pero pagnag eemail cla sa amnesty ko is nasa 36k po ung bnbgay nilang amount. Minsan paiba iba may nasa 45k then yang 36k na po ang pinaka mababa na executive amnesty. Sobrang thank u po.
DeleteKung kaya mo na, tanong mo if pwede nila babaan pa.
DeleteYung Unionbank ko, 250k balance na 25k plus ang binayad ko.
Hello po BrianSureWood ilang years po kayo defaulted sa UB bago po kayo nakapag settle ng ganyang amount? Thanks po
Delete14 or 15 years.
Delete@BrianSureWood ask lng po, kpag po ba defaulter ka way back 2014 hindi kana masuesue po?
DeleteHi! I am a silent reader here and I am also a defaulter. Maraming salamat po sa mga articles dito dahil very informative at helpful sa pag-manage ng stress ko sa mga nare-receive na messages from CAs .
ReplyDeleteGusto ko lang din pong malaman kung affected din po ba ng garnishment ang mga investments like Pag-Ibig MP2.
Nais ko rin pong i-clarify yung 10 years from the time na na-default yung cc account, hindi na puwedeng mag-sue ang bank? Does that mean na safe na after that 10 years, puwede at safe na po uli akong mag-iwan ng savings sa bank account under my name?
Maraming salamat po!
See Section 11 https://www.pagibigfund.gov.ph/document/pdf/governance/43.1_on_institutional_matters/IRR%20of%20RA%20No.%209679.pdf "shall not be liable to garnishments"
Deletehttps://attorney.org.ph/legal-news/345-lenders-have-10-years-to-collect-payment-from-debtors
The New Civil Code of the Philippines states that:
“Art. 1144. The following actions must be brought within 10 years from the time the right of action accrues:
(1) Upon a written contract;
(2) Upon an obligation created by law;
(3) Upon a judgment.”
Interestingly, may mga nag share na CA crooks continue to collect even after the prescriptive period. Hehehe
good day po sa lahat., gusto ko lang po magtanong kung ilang years po bago magkaso ang Security Bank? and yung decision po na garnishment, gano po katagal bago lumabas? New defaulter po ako. 2 months palang non-payment. ang laki na po kase ng interest patong patong na mas lalo na hindi ko kayang bayaran.. thanks po sa sasagot
ReplyDeleteSecurity Bank, or any other bank that files claims, usually files cases around the second or third year of default.
DeleteWalang warning yan unlike yung pananakot ng agencies. May darating na lang na Sheriff sa bahay or office mo to serve you summons.
Once that happens, hearing the case might take a year or two or even three, depende kung gano kasipag ang judge.
After that, mabilis na ang process ng garnishment.
It will be a long way for you. Almost 4 years na akong defaulter, at wala pa akong case. Depende talaga sa banks nun. Swertehan lang din. After decision, writ of execution and garnishment can also take time, depende na rin sa sipag ng bank lawyers. Meanwhile, secure mo na ang natitirang pera mo sa banks.
DeleteI just received an email about final attempt to settle the dispute. They've offered me half nung total balance of my cc as approved one time payment para masettle lahat. Sabi ko hindi ko kaya yung amount na offer nila. Is there a chance na mapapayag sila sa amount na kaya mong isettle sa due date na binigay nila?
DeletePag may decision n po ng garnishment kahit saan banko ka may.savings makukuha po nila? Thanks po
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.
usual na hanapin nila ang pera mo sa banko. legally speaking, yes, other properties can be garnished. pragmatically speaking, banks rarely go that route. we are still waiting for defaulters to share experiences about property garnishment (house and lot, vehicles) due to credit card default.
DeleteOne big thing - thorough backreading will serve you well. magbasa.
DeleteAng sagot po sa lahat ng tanong ng collection agencies until magbabayad ka na po ay:
Delete"I am sorry but that is none of your business."
Ang sagot po pag sinabi na due and demandable na ang account ay
"Antayin ko na lang po yuung demand letter."
Then kita nyo reaction nyang mga yan, magagalit kasi nga di ka natakot.
I think they only get your property if your property's value is equal or lesser than your debt.
DeleteSay 500k utang mo, kukunin ba nila ang bahay mo for that.
May kilala ako na pumunta ng collection agency and offered the title to his house. Di kunuha.
They must know na Hexagon Club Member ka. This is an exclusive invite only club. Secure youre deposits or settle with Bankard. RCBC sues. Goodluck po.
DeleteIf I may magkano default mo sa RCBC? Thanks
DeleteSalamat po sa pagsagot Sir Sonnixx haven and Sir BrianSureWood. Nabasa ko na po yung letter and nakalagay po is if i will not cooperate and will not pay within the 5days grace period.. iaakyat na daw po nila ito sa small claims court.
ReplyDeletePossible po ba un? 2 po kasi ung acct ko sa RCBC na default po, one is 60k and 150k po..
Ang sagot po sa sinabi nila ay "Okay po. Antayin ko na lang po yung summons."
DeleteWala ka din naman ibabayad so wala sila pwede kunin sayo.
Relax.
IMO these amounts are manageable amounts more so for a Hexagon Club Member. You could negotiate with the bank.
DeleteMay dumating po sa akin na letter frm regional trial court daw sampahan ako ESTAFA wlang name ng bank or anything whats the nesy3way to do po defaulter ako ni SECURITY BANK
DeleteGood day!
ReplyDeleteIn view thereof, we regret to inform you that a JUDICIAL COMPLAINT against you for Collection of Sum of Money with Prayer for Preliminary Attachment is now pending for recommendation. 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. Moreover, as result thereof, negative information will appear in your NBI records, resulting in your being blacklisted in the Local and International and posted in the Credit Bureau.
Good day pano kung wala naman po magagarnish
Cc defaulter po ako ng rcbc since 2021 di na nakayanan good payer before kaso nagkasabay sabay problem ng pandemic as of now ang work ko po di stable ang income sumasakto sa mga pangangailangan. Ayaw nila na hulug hulugan ko gusto buo bayaran. Nirereplyan ko pero lagi reply nila full payment kung meron lang sobra ginawa ko na bayaran gusto ko na sana wag pansinin eh nirereplyan ko naman na ung kaya ko lang ihulog
NBI? Scam yan 😁
DeleteHello po,, ask ko lang po,, can I stilp travel to abroad for work if my case na ng credit card debt?
ReplyDeleteHello from my personal experienced I was able to travel po kahit na ngka decision na ang sum of money case ko. Wala naman po naging prob
DeleteYes.
DeleteHello Everyone,
ReplyDeleteJust wanted to ask for some advise especially sa mga nadefault last pandemic 2020 sa Security Bank.
Currently I want to settle na, ang problem ko ang one time payment is 250k. If installment nasa 400k then ang laki ng downpayment. Si CA na pala kausap ko, since based sa experience ko, kahit tumawag ako sa bank, ipapasa ako sa kanila.
Background lang po, I paid minimum lang for a year kaya umabot sa 200k ang oustanding then nahinto payment ko kaya umabot sa 290k bago madefault. Ung principal less than 70k. Talagang nadali sa finance charge at overlimit fee :(
Ngayon gusto ko na magsettle kahit sa installment, yun lang ang laki ng 400k with DP pa.
Please advise naman po ano pa pwedeng gawin? Ayaw ko na po sana mag file sila ng case kasi hindi rin ako makakapunta at willing to settle naman ako. Possible rin na mas malaki pa i-ask nila pag sa court na.
Appreciate your feedback. Thank you.
ReplyDeleteI'll give you a few advantages of answering calls and emails from collectors:
- If you answer their call or respond to their emails and you sound confident enough to say the things na natutunan nyo dito, there is a very high chance di na kayo guguluhin, lalo na yung mga nananakot. Kasi alam na nila di nila kayo matatakot.
- Baka may offer yan na kaya nyo na bayaran.
Another thing, do not negotiate on the phone. It should always be on email if kaya.
Thank you sa advise BrianSureWood. Kung ibaba lang sana na mas malapit pa sa principal amount ko, kakayanin na e, kaso ung discounted nila, close sa outstanding balance na ilang buwan may finance charges. :( May way pa po ba para gawing principal na lang bayaran pero installment kung na experience nyo na po. Thank you.
DeleteMeron po, pero kadalasan matagal yan. Pag di ka na nila kayang habuli and wala na threat ng kaso, they give up.
DeleteHello, Do you have experience coordinating directly sa Security Bank kahit may active communication sa CA? Pang ilang CA na sila na nakausap ko, kaso hindi raw approved ung inask kong discounted amount. 150k principal ko, pero nung nadefault nasa 250k. Ung discounted na installment sabi 220k. Mag 4 years default na po. Thank you.
ReplyDeleteyes, pwede mo gawin yan. and if the bank will refer you back to CA, then balik ka sa kanila. with CA crooks, negotiate with them the least amount na kayanin mo. if di mo pa kaya, so be it. let them file a case against you. court is always formal, legal and fair. pag meron na decision, execution at garnishment, at wala ka pang pera, eh di wala pa rin. make sure though to equip yourself with right strategies to manage all the scare tactics of the CA crooks.
DeleteIbabalik ka ng Security Bank sa CAs nila.
DeleteTypically, ang first level ng SB is Cendana Neri. After nyan, yung mga hardcore CAs na ng MBA at RGS ang tatawag sayo.
Tama si Sonixx Haven, if wala oambayad, wala ka naman magagawa. Wala din naman sjlila magagawa.
Thank you sa reply Sonnixx Haven.
DeletePang ilang CA na naghandle ng account ko talagang hindi bumababa ng 280k pag installment na discounted na. Kahit alam kong lower 100k naman talaga principal or mas less pa kasi puro finance charges na lang. nakaka stress lang na gusto ko na magbayad, may konting budget, kaso walang magawa kasi hindi kaya ung offer nila.
Sorry, namali ako ng type nalagay ko sa name is Sonnixx Haven.
DeleteBale kaya na po kahit papano ung sa payment, kaso po if ever na malapit sa principal ko ung amount, kaya po kahit 2 years. Kapag po hindi, aabot po ng 4 yrs pero halos same monthly.
Sa bdo naman po ako nagkaron ng debt, and na-cancel na rin po yung cc ko sknila. Worth 20k umakyat 38k as in di ako makatulog dahil naka receive na po ako ng demand letter. I don't what to do po 😭 thank u po sa pagsagot.
ReplyDeletekung wala ka pang pambayad, eh di wala pa. there is nothing to do. i don't think, with this amount, kakasuhan ka ng bank. be prepared lang sa mga CA crooks. they will move mountains to force you to pay.
DeleteOne can't just cancel a credit card with an outstanding balance.
DeleteDati po nagkaron ako ng balance sa bdo, during pandemic. 35k yun balance tapos nagulat ako nag offer sila ng amnesty, 21k nalang pinabayaran sakin. Eh yun total ata ng na-swipe ko dun nasa 30k.
DeleteMga sir, my wife is a defaulter for 3yrs now. she is sick with mental disability due to pandemic. Can this collection agency still sue my wife? cause if this happens this might cause a big impact on her mental health. so far sinusunod ko lang po lahat ng nabasa ko dito pag tumatawag sila lagi ko sinasabi wala pambayad if dadalin sa court dun nalang kami makikiusap. ang original amount na debt nya is 400k nagulat kami kinukuha ng agency 1M+ na.
ReplyDeleteI wouldn't know kung kakasuhan pero I think yung utang pababayaran pa din.
Deletemay naka encounter na ba dito maging CA si MC ramiro? nang haharass po ba sila or nag ha house visit po ba sila? Thank you
ReplyDeletelahat ginagawa yan. assume that all CA crooks do the same strategies. house visit is one of the many regular tactics they do. but so what kung mag house visit sila. sarili mong bahay, and will you allow them to harass nyo? diskarte ka
DeleteMag ask lang po ako defaulter po ako metrobank. Now po I need to open a metrobank savings acct. Ma trace po ba kasi single ako noon sa credit card.. now po married carry ko ma apelyedo ng asawa ko. Ma trace pa po ba ako?
ReplyDeletePosible ka ma-trace through your maiden name, government numbers and a host of other ways.
Deleteprobably given ilagay mo middle mo. try mo lang.
DeleteDepende siguro kung common ang maiden name mo. Why do you need to open one?
DeleteNeed for my part online job eh metrobank ang need nila for the salary
DeleteTell your employer if you can use another Metrobank account.
DeleteYou can be traced using government numbers.
Hello. I'm a first time defaulter. Due to financial issue for the past few months, hindi na po ako nakabayad ng monthly with BPI. Nagsend po ng email na ifull amount ko po yung one time offer na 24,400 which is half nung total outstanding balance ko however wala po akong ganong amount to settle it by tomorrow. I tried to negotiate sa mas mababang amount na kaya ko pero no response from them. This is from Constantino nand Associates Law Office. Any suggestions? Natatakot po ako na baka makasuhan ako.
ReplyDeleteWalang magka-kaso sayo sa BPI for 48k.
DeleteSayang kung di masettle. Masisipag pa naman mga abogado ng BPI baka patulan pa yang default mo dalhin sa small claims. Pero kung wala talaga wala naman sila magagawa.
DeleteI was able to settle the amount that the agency offered to me. I went to BPI branch to confirm the legitimacy of this agency para na rin mawala doubt ko. I said to them na I'm planning to settle the full payment pero hulugan, pero sabi nung nakausap ko, wala na rin silbi kung mag aattempt kang hulugan hanggang sa makumpleto kasi nakablock na yung card. Ones nakablock, hindi na talaga magagamit even if nasettle full amount. Then sabi pa, ones nag issue sila ng Certificate of Full payment, that's the time na confirmed yung deactivated account.
DeleteAnd yes, kapag nahand over na yung issue mo sa agency, labas na BPI or other banks. Replenish ng account/name mo para makapag apply ka ulit for credit cards etc might take 6mons to 1yr as per BPI. Possible na makita ng ibang banks yung naging issue pero wala pa rin naman masama magtry sa pag apply ulit. Atleast nakabayad na ko and masasabi kong sobrang relief talaga. Hindi man same sa iba naging ssue ko, ayoko lang talaga lumala pa at lumaki debt ko sa bank. At the end of the day, you still need to pay them kasi in the 1st place, napakinabangan mo rin sila.
@Naomi04 Good for you. But at the end of the day may pang settle ka. Sa iba na wala naman talaga ibabayad wala din talaga.
DeleteGood day! Anu2 pong mga banks ang nagdedemanda ng civil case?
ReplyDeleteBPI. Personal experience.
DeleteMas mainam po ikaw ang magsabi ng mga banks na may utang ka, at kami magsasabi kung may history sila ng paghabla sa mga defaulter.
DeleteFINAL ULTIMATUM FOR LITIGATION!
ReplyDeleteJan 12 at 11:44 AM
PrintRaw message
Atty. Marlon Suarez
To: xxxx
FINAL ULTIMATUM FOR LITIGATION!
To: xxxxxxx,
Address: CITY xxxxx CEBU CITY CEBU
This is from Litigation Office Manila Branch Legal Counsel.
This is to inform you that there is a Legal Case Filed against you. Upon evaluation of the files submitted, they are accusing you a Case of RA 8484 Access Devise Regulation Act of 1998(small claims- Estafa) under the republic act 315-318. Person who received Money/assets in particular Banks/ Financial institution may held criminals liable for other deceits, this will serve as deterrent on your awaiting transgression punishable an indeterminate penalty of imprisonment ranging from (4) years and (2) years.
Failure to appear in court hearing may results of being arrested or in that matter being dealt with in bed your absence. Be this is serious matter that requires your urgent attention.
Contact us ASAP at this number 09168411338 and look for Atty. Marlon Suarez for final negotiation of your account.
Good afternoon Sir, who experienced and received like this email?
Lahat halos ng defaulter nakakuha na ng ganyang letter so empty threat yan.
DeleteProblema lang yan kung gumamit ka ng ibang name nung nag-apply ka ng card at nagdefault ka.
Good day, sana may makatulong po.. may cc debt po ako sa unionbank and may payroll account din po ako same bank na nakuhanan ng pera.. visa set off request batch_131 po ang nakalagay wala pong letter or summon akong natanggap. One time set off lang po ba ito? Kahapon lang nangyari sa akin and nag email na po ako sa bank wala pang sagot. Need your help po kinuha nila lahat ng pera ko dun sa payroll
ReplyDeletePaulit ulit ang offset
DeleteUnion bank din ako ganyan din.nangyari sa akin ung 13month and sahod ko Inoffset...Maya ngayon nakikipag unahan ako s kanila pag.sahod withdraw agas, kung may online acct ka I transfer mo nalang...
DeleteHello po, meron na po ba dito naka receive ng letter sa hearing?
ReplyDeleteMadami na po.
Deletenagssend paba si BDO ng letter of Notice kahit nabili na ng CAs ang debt mo? I got an email from bdo today - Letter of Notice, kaso d mabuksan. Last 4 digits daw ng cc di naman maopen haha
ReplyDeleteBaka nasa internal collections na ng BDO yung account mo.
DeleteYes. Lalo kung di pa naman nila naibebenta at nasa outsourced collections pa lang
DeleteHoping maibalik po sana ung ibang mga threads ulit.. dito lang din po ako kumukuha nang lakas.. sa mga post and advices ninyo po.
ReplyDeleteAno po ang concern nyo?
DeleteI just need a solid advice..
ReplyDeleteNag apply ako IDRP and RCBC, my lead bank initiated the process. Pero nung binabasa ko na yung terms and conditions napaisip ako na parang hindi sya feasible for me right now with the huge amount that I need to settle monthly, the commitment and with the financial challenges I'm going through. My cc debt ballooned up 2m for my 11 cards. Nabasa ko po lahat ng sinasbai dito and I plan to improve my situation in the next 2-3 years. I know that I have to deal with collection calls and letters and the usual pang gigipit. Is that something that I could do to just ignore everything for now and accept that collection agencies will hound me, work on my self and my income and reconsider idrp or pay my debts one by one later on when I'm able?
I'm not seeking for scrutiny, but I'd appreciate insights frm those who've been through something similar. Should I be worried about someone coming to our house? I prefer not to disclose my situation to my family. I'm confident that I can do this alone. I just need time to bounce back.
most of us think that IDRP is not a better option, as this is just a huge trap. debt consolidation nga, so all banks will run after you once you won't be able to sustain the amortization. interestingly though, it would be hard for you to get approved given the financial capacity requirements. after all, nag default ka nga, which meant di mo kinaya ang pag sustain sa card payments.
DeleteI have been a defaulter for almost four years now. Nothing worst has happened to me so far. From all the diskartes dito, I have managed so far the CA crooks. You will survive the crooks as long as you don't lose your common sense. The most difficult hurdle is to tame yourself and learn the right diskartes. Believe me, you will survive this. Read, backread, learn.
As someone who was on default for almost 15 years, here are a couple of things I can tell you:
Delete- If you are not going to change numbers, they are going to hound you.
- Even if they bother you, do not change numbers. I am advising this so they do not have to go to your place and work. This way you can receive any good offer to pay your debt.
- In the same vein, tell everyone in your household to not just accept letters, especially those that require them to sign off after they ask if you still live in that place.
- Consider paying these cards as a marathon, not a race. It will take time.
- Unahin mo yung mga banks na mahilig magfile ng case pag ready ka na. While they cannot do anything if wala ka naman pambayad, it's good to avoid an actual court decision that empowers them to garnish your savings until you are completely paid.
I defaulted in 2007 or 2008, then settled 2 cards in 2011, settled 1 card in 2014, then settled the rest except one in 2022.
Even with debt, I was able to apply for a car loan at East West, the same card I defaulted and paid in 2011.
I went from having a high risk to medium risk rating in 2023. Hopefully low risk by 2024.
My tip is to be patient and do not be frustrated. It will take time.
Approved sir ako but I said no nung nasa negotiation stage na since ayun nga super taas din pala which I cannot afford right now. Yes, I try to be on top of my mind as much as I could. I answer all the calls and recieve all the letters. But I always say the same thing to them na wala pa ko pambayad at this point of my life. Yes - thanks for the encouragement, I'll backread some more and apply all the diskarte!
DeleteThis whole blog reassures me, despite expecting frequent calls and possible house visits from collection agents.😒
Maraming maraming salamat.
great. they still see your current financial capacity as positive. yes, you are right, if you believe the IDRP is not meant for you, then do not go for it. you have the tools to manage the CA crooks. kaya natin to.
DeleteBrianSureWood: thanks for your comment. I have almost of the bank cards lol. Except for BOC and AUB. Sino sa mga major banks ang nag ffile ng case and dapat ko unahin in the near future?
DeleteBrianSureWood: I just reread your comments. Clarify ko lang sir, I work hybrid so most of the time nasa bahay lang din. so most likely ako din mag rereceive ng letters. Should I decline to receive them?
Deletehello, im a silent reader. defaulter din po ako. kaso may existing car loan ako and loans pero ung mga quickloan ko is fully settled na and ung car loan ko naman is walang palya sa payment and balak ko sana mag apply for personal loan sa bank, ma ga-grant po kaya application ko i really need money lang kasi and i know na mali ang umutang but this is the only way i see. may mga na approved na po ba dito sa sa personal loan kahit defaulter? salamat sasagot
ReplyDeletetry mo lang. walang mawawala sayo. yes, meron iba na approve rin. at meron din na hindi.
DeleteDepende po. Pwede mo subukan.
DeleteBanks rely on credit reports so if your credit report says you're low risk, yeah may chance ma-approve.
Salamat po. Kaso upon checking po sa credit score sa CIBI naka very bad po siya. Hay sana ma approved at ma grant.
DeleteGood day.. silent reader an defaulter rin ako.. totoo kaya ito?
ReplyDeleteGOOD DAY,
We received a paid ad "NOTICE TO THE PUBLIC" against (name ko)
that there is a violation of ARTICLE 315-318 OF THE REVISED PENAL CODE/ R.A 8484 Access Device. We noticed that it will bring negative publicity against you in line with our mandate of protecting the interest of member newspaper organizations and promoting ethical standards in the profession. In granting the same, may we request that you coordinate with the advertiser's representative of said advertisement. It will be published starting by JANUARY 20, 2024 in a newspaper and paid by a certain LAWYER.
--
Sincerely yours,
Lulu Flores
Senior Verifier
ANY FURTHER INFORMATION
PLEASE CALL THIS NUMBER URGENTLY!!!
FAQ: People's Journal
The Journal Building,
Railroad Drive, Port Area, Manila
Mobile: (+63) 9850570551
Need your advice po sana.. thanks!
Di po totoo yan. Ginamit na din sakin yan.
DeleteSure po akong di to legit. Di naman po mag eeffort yung newspaper na magreach out dun sa nasa ad, ang kausap nila yung naglalagay at nagbabayad ng ad. Mahal din po magpalagay ng ad. Eme lang din po yung 8484 di sya applicable sa cc debt. Parang pang chismis blog din yung a certain lawyer" hehe. Isa pa po I think labag to sa privacy laws
DeleteHay salamat.. kanina pa ko praning buong araw… makakayanan natin to defaulters.. nakakatulong talaga tong site na to..
DeleteParehas tayo na ganyan. Pero ung sken philippinetimes@gmail.com tapos may certain lawyer din na nagbayad tapos ipa publish daw ng tatlong linggo. Pero mali ung pangalan ng company ko, so sinagot ko lang na once published eh defamation un sken at pahingi ng numbers ng contacts .k at kakausapin ko. Sa totoo lang..sobrang thankful for this blog , kasi dito ko lang natutunan lahat. Had it been someone na walang alam, kawawa naman. Magnabayad naman ako pag may pera na..wag lang takutan.
DeleteSaka kung may notice to the public ibig sabihin indi na nila mahanap ung tao, eh baket ung ad mismo ang magri reach out sa yo? Nanghaharass yan.
DeleteThis comment has been removed by the author.
ReplyDeletehttps://journalnews.com.ph/scammers-using-journal-group/
ReplyDeleteThanks for sharing. The PNP should actively go after these criminal groups
Deleten.b. This reply should be for Anonymous re: publication on Journal. :-)
DeleteThe general public is also encouraged to support the PNP it its campaign against cyber criminals by providing relevant information to the nearest police stations or through social media (Twitter – @PNPACG or Facebook Page – PNP Anti-Cybercrime Group) or through the following: Dial 117 or text 2920; PNP ACG Hotline 414-1560/633-143.
DeleteSalamat po sa mga info.. kanina pa ko umaga balisa dahik dito e.. buti nalang andito to g site na to para malaman natin na may rights tayo pag nahaharass
ReplyDeleteYour card ending in **** requires an immediate payment or Metrobank could apply your deposit to your unpaid balance in accordance to the T&C. For inquiries, call 8700970 or 180018885775.
ReplyDeleteAsk ko lang po kung sa Metrobank po ako defaulter then ibang bank po yung savings ko makukuha pa din po ba nila yun?
yes, pag may writ of garnishment na. though matagal pa yun, so diskarte ka na sa ibang savings accounts mo.
DeleteSir Sonnixx usually gaano po katagal ang writ of garnishment? Inaabot po ba ng taon? Or months lang po.
DeleteHindi naman po nasasama sa garnish ang account gaya po ng PAYMAYA? GCASH?
matagal pa yun, depende sa legal counsel ng banks. ang na share dito between 1-2 years after sa writ execution. but don't wait for it. you can maintain bank accounts using names ng iba. Maya ang Gcash are safer, I believe.
DeleteNew defaulter po ako, na scam nagamit ng iba ung mga CC ko. Halos lahat ng bank tumatawag, CAs. Medyo malaki ung amount na default. Makakasuhan ba ako agad ng mga banks? Ano pwde kong gawin, stress, anxiety, deppresion ramdam ko na halos lahat. Si bpi matic minsan nawala pera sa deposit acct. Ung ibang abot na Million dahil sa interest.
ReplyDeletenormal lahat ng experiences mo. pag wala pang pambayad, unahin muna ang diskarte para mabuhay. nothing worst will happen to you, except all the scare tactics and lies especially galing sa CA crooks. maraming diskarte na share dito. pinaka basic, don't ever lose your common sense.
DeleteMay tumawag di ko sinagot then nag txt Eto message:
ReplyDeleteGusto po sana namin kayo makausap regarding sa Court Order na iseserve sa bahay nyo. Urgent lang tumawag kayo sa amin. Police MSgt Ramirez po ito ng NCRPO.
Ano po magandang gawin?
Wala ka dapat gawin dahil kagaguhan yan.
DeleteKapag sinagot mo yan, sasabihin ni Sgt Ramirez na tawagan mo yung number na bibigay nya at hanapin si Atty Kuno. Pag tinawagan mo yun, may sasagot na receptionist at ibibigay kay Atty Kuno at tatakutin ka.
Ang totoo, nasa labas lang lahat yan sa hallway ng building kung nasan ang offfice nila at mukhang mga tanga.
Wag mo pansinin.
astig description mo sa kanila. 100% sure tayo nito sa kanila. mga hunghang. they feed lies and fears to defaulters to exact payment. hwag papaloko.
DeleteAng unang gumawa sakin nyan eh Bernales back in 2011.
DeleteWhen the supposed "lawyer" realized I was playing with him by asking his Professional Identification Number, nag-collapse yang pananakot nya. After a few hours may tumawag sakin sya din pero di na abogado. Yung proposed amount ko daw na 10k kelangan pag-usapan ng "Commitee."
MInura ko, sabi ko walang committee, ikaw lang yan at yung amo mong sugapa.
I told them, and this has been my technique in all the debts I paid, give me the name of the Agency Manager who hired you and the phone and email, and I will verify your claims.
Once the Agency Manager verified, binayaran ko yung utang ko and kinuha ko yung COFP the same night.
Wag kayo matakot dyan sa mga yan.
Namiss ko tong blog na to grabe nakalampas 10years na default ko ngayon nabuhay na naman sila. Anyone nakaexperience sa AAT Business Solutions sila naman ngayon ang nageemaol
ReplyDeleteKumusta banker and the rest of the gang Happy New Year
ReplyDeleteGood day sa lahat...and a HAPPY NEW YEAR pa rin po! Ask ko lang if may mag share dito ng HC (Home Credit) Cash Loan experience nila? Ako po ay na default May 2023, so far wala pa ulit nangungulit, 278000 yung amount ko...Salamat and laban lang po tayo...
ReplyDeleteparang meron dati nag share. almost similar lang din diskarte nila sa credit card CA crooks. so same lang din diskarte na gamitin.
Deletesalamat po @Sonnixx Haven!
DeleteHello pa off topic po. Need advice 🙏🏻 Defaulter po ako, may maliit ako Shop sa Shopee and Lazada not earning 1M annually. My shop just helps me get through the bills. Ngayon po kasi nag require na talaga mag register sa DTI and Bir. Sa tingin niyo po ba pag ginamit ko name ko sa registration, may kaso mailalaban sakin un mga CA’s? Or ipangalan ko na lang sa kapamilya ko un business?
ReplyDeletekapag matiyaga ang CA crooks, makalkal pa rin yan nila. I have a small firm too, in the name of my brother. consistent pa ako sa kanila na hirap pa talaga ang financial recovery ko.
DeleteThank you po! I guess i pangalan ko na lang din muna sa kapamilya ko. BDO and BPI pa naman un defaulted.
DeleteBPI ,UB & ROBINSONS BANK ask ko lang po if sino sknla ang ngpafile ng case
ReplyDeleteKasi as of the moment po I have 10cc. 3already paid. And other 3 is ongoing settlement. Pero patpos ndn po sila ngyon 2024 (Thank God). Ngyon po ung mentioned banks ko po s taas. Ayan nkng po ung mga d ko p nbbyran. Due to, ung offer nila is hindi ko kya. Like 15k monthly for 6mos.
Si UB wla png CA na nagoffer skn lahat onetime oayment. BPI wla p po ulit prmdm
sa case ko BPI.
Deletehttps://failuretopaycreditcard.blogspot.com/2023/11/what-is-worst-thing-that-can-happen-to.html
DeleteGood Day po, call me Faith nalang po, hope ma post po, I am currently suffering deep depression,at nagkakasakit na rin po, anxiety attacks at na temp rin po to commit suicide due to my ccard problem, thank God I found this blog kakasearch, desperate makahanap nang ways how to deal w/ my situation w/o panghuhusga at makapag share narin po, I have 5 ccards, - rcbc w/cash loan-100k+ due to balcon(minimum pay nalang), maybank 15k+ (nababayaran po-restructured), PNB 100k+(minimum pay nalang) metro 200k+ (due to balcon) defaulted, that was about june 2023 same sa ewb 200k+, back in that time i was so deperate to settle begging them to accept my payment offer but it failed, nagtry pa ko IDRP, request nila co-maker due to insufficient income(ndi ko na po tinuloy). May mga tao rin pong nahingan ng advice regarding sa prob ko, iba-iba rin ang sinabi, pero may mga naka add up din po sa anxiety ko, like a kakilala po na dati nagwork sa banks credit dept telling me na baka makasuhan daw ako ng forgery asking bakit daw nakakuha ako mga ccards w/big credit limits 6 digits and 200k+ highest, dito po sa part na to:sometime in 2019 a ccard agent offer us sa work to apply for ccard asked to send two ID at Signature via fb msngr, bigla nalang po nagdatingan, maintain ko po nun ay Mybnk 20k at Metro(lumaki limit to 150k) for 10yrs na, sa recall ko po wala naman po akong send na forged docs, ID is authentic so as my signature and address(ndi ko naman po mareceived card if mali ung info). Ndi na sila nanghingi ng ITR, COE, payslips or proof of income wich is maprprovide ko namn po..they just call lang po for some infos. Maliit lang po ang sahod ko walang pong 20k+ and may mga side hustles po for add income. ask ko lang po paano pong forged? diba po may CI naman sila bago ma aapprove?..what if pinorged or falsify po nang ccard agent ung ibang docs para maapprove, liable po ba ko nun even though my only knowledge is nag apply lang ng ccard, if ever ginawa po nila? And dahil din po sa desipiration I took a free consultation of a lawyer in fb, addressing my sitaution, sabi nya though civil in nature ang debts pero sa laki nang default pedi daw po trabahuhin sa criminal case?. Sa kakilala naman po namin police possible daw po may kulong kasi parang rule out na scam daw po?, at dahil may cash din daw po ako na-obtain? this statement puts me in this state of deppresion and still battling it.
ReplyDeleteBack then maayos naman po nang lahat, until pandemic strike, almost 2 years walang work at income, nawala rin po mga side hustles ko lahat po kami sa family nagka CoVID, nawalan ng means to support my family, nag resort from using ccards to sustain our needs, ung mga nakiride sa akin ndi na nakabayad some gone and some didn't complete their payments, na fall sa never ending na pangungutang at pagbabayad nang utang sa tao, sa lending,sa ccard nagpatong patong na.
Sa ngaun po as per sa ibang nakausap ko, change ko po muna num ko due to unsolicited calls at msgs pananakot ng nang court cases at barangay mediations, tinago ko po old sim para kung may pangsettle na po or ready na to deal with them ay ibabalik ko po, even though i know it will take years pa makabangon :( ..sa work nakisuyo nalang po sa guard not to accept anything na iiwan or ipapa recieve na letter same sa home.. may email are still active but due to anxiety and deppresion ndi ko pa po kayang buksan..same home address parin.
Ill keep on reading po sa mga payo at mga shared stories dito, kahit papano ung hopelessness ko mapalitan nang courage at ung depression mapalitan nang strength. Salamat po sa mga payo in advance.. More power at God Bless po sainyo.
Faith
I felt the same way before ako nag default and during the first year in 2020. most of us, ganito talaga ang experience. what helped me was educating myself with the right knowledge and diskartes.
Deletemga maling payo nakuha mo sa mga taong nakausap mo. (1) walang fraud sa pagkuha mo sa credit card. ang agents ang nag process sayo using the information you provided. (2) kahit 100M pa utang mo sa credit cards, civil case pa rin yun at di criminal case. kung tutuusin, maliit pa nga ang total ng buong default mo. (3) using your issued credit cards to obtain cash is never a basis na nag scam ka. Maling mga tao ang tinanong mo.
kung hirap pa talaga, hayaan mo muna. ibat ibang diskarte ang pag manage sa CA crooks. lahat ng pangungulit, scare tactics, at ano ano pa, gagawin yan nila. huwag ka magpa apekto muna. kung kaya mo na, you can take their calls and respond to their emails, and tell them na you will connect with them once you have the means to settle. and if all fails, use banker's ultimate bluff, "sue me in court, as it is always formal, legal and fair." kahit matalo ka pa, at wala ka pa ring pambayad, no worries.
di naman natin ginusto na ma default tayo. there were many circumstances that led us to this. and much as have wanted to settle now, we also do not have the means to do it.
as I always say, relax lang, chill and pray na rin. accept your situation now para mas madali sayo. focus on your priority needs and to recover. utang lang to. this is not the end of the world. we are way better than our debts.
I’m really stressed from overthinking po. May case na po ba na real properties yung na gagarnish ng sheriff? My parents just passed away and yung bahay namin sa akin na naka pangalan. Too scared na mawala ito because ito nalang yung naiwan nila sa akin.
DeleteHope someone could help. Thank you!
Hello po! Good evening. Once natalo po ba tayo sa case, can/will the sheriff garnish your residential house? How about yung small business po? Can they garnish it?
ReplyDeleteyun sakin salary ang ginarnish.
Deleteask lang po oki lang..nagtuloy tuloy po ba ung pag garnish nang payroll nyo po or one time lang?..
Deleteone time lang usually ginagawa ng sheriff, though may weird cases especially with Landbank na continuing.
Deletehwag mo na intayin mangyari yun, take your cash asap pag meron dumating sayo.
MARAMING SALAMAT PO SA LAHAT NG MGA NAG PAPAYO SA AMING MGA DEFAULTERS DITO. MALAKING TULONG PO KAYO SA LAHAT NG AMING MGA PANGAMBA
ReplyDeleteName
ReplyDeleteAddress:
RE; Final Demand Letter
Card No:
Dear Ms/Mr.
We write on behalf of our Client, Metrobank, regarding your outstanding credit card obligation wich to date amounts to two 266,699.64.
Despite repeated demands and the opportunity given to you to settle the above-mentioned obligation with our client, you still failed and continue to refuse to settle your outstanding obligation. As such, your account remains unsettled and immediately demandable.
In view of the foregiong, final demand is hereby made upon you to pay in full your outstanding obligation amounting 266,699.64, inclusive of applicable ineterest, charges and other fees immediately upon receipt of this letter.
Failure to heed this just and valid demand will compel us to recommend to our client to take appropriate legat action to protect its ineterest, including the filing of criminal case with penalty of imprisonment and/or civil case with prayer for attachment of your property, as the case may be in order to recover your unpaid account with ineterest and penalties, litigation expenses and attorneys fee, without further notice and delay.
To aviod costly and combersome litigation, it is imperative that you immediate and preferential attention by immediatly settling your outstanding obligation in full or contacting us at *86386051 *8845-2363 *88066538 or email us at ramiromcc180@mcramiroandassociates.com
Very Truly yours,
FOR THE FIRM
ETHEL R. BUSTAMANTE
Address: Mc Ramiro & Assoc
Kahit naman po, anung piga nila saakin eh wala pa po talaga ko ibabayad, mas lalo wala silang makuha saakin kapag kinulong nila ko.. hayst..
SCAM yan.
Delete@kinape salamat po, medyo kinabahan lang sligth, buti nalang po at nagbabasa basa po ako dito, naiibsan ung anxeity at kaba..salamat po sa admin nang blog na to, sobrang laking tulong to control CA Crooks.
Deleteold script. move on. next issue please.
DeleteSalamat po Sir @Sonnixx Haven, laging panakot nila kulong,. to be honest gusto ko na talaga silang sagutin na kung kulong edi kulong as if may mapapala sila.. hayst..any ways thanks alot po, malaking tulong mga shared advice nyo po para sa mga kagaya kong sobrang pagod na sa mga pananakot ng CA Crooks. God bless and more power po. makakaahon din po tayo aja!
DeleteHello good day. Ask ko po sana if meron po dito familiar sa JBPM MANAGEMENT? Sa dming collection agency po ngemail skin ito po ung unknown and first time to received an email from them.
ReplyDeleteEMPLOYMENT VERIFICATION REQUEST LETTER
DEAR SIR/MA'AM
May this letter find you well.
We are sending you this letter to request for your kind assistance and call the attention of Mr./Ms. whom we learned as a Senior Credit Expert of (my prev company) . We humbly ask for your assistance to advise the above mentioned employee to call our office about a very important “LEGAL MATTER"
you can contact us here!
0938-328-2052
or you may send us an email at jbpmjoan@gmail.com upon receipt of this letter and look for our Secretary Joan Delos Angeles or any information on the said subject.
We are hoping for your utmost and immediate attention regarding this matter and we highly appreciate your response after you read this message.
Joan Delos Angeles
Secretary
JBPManagement. / Atty. Francis Romulo Badilla Jr. Office roll 45425
S tagal ko po defaulter now lng po ako nkrcvd ng gnitong klasemg email. Medyo worried lang po ako. Ano po b mext step nla s gnyan?
Sana po ay mtulungan ninyo ako. Salamat po
Hindi dapat ine-entertain ng office nyo yan. Sa office namin, hindi pinapansin yan.
DeleteCollections agency din yang JPBM.
At tulad ng sinabi na dati dito, wala po yan.
Backread ka para alam mo diskarte. SCAM yan.
Delete@kinakape mraming salamat po sa pagsagot. ang weird lng kasi bat need dumirekta sa employer. Another scam from the CA's
DeleteKaya sila dumidirekta sa employer dahil tinatakot ka nila pero di na nila magawang sabihin sa employer mo na may utang ka kasi bawal yun sa privacy laws baka malasin sila sa mga alagad ng batas kapag nagreklamo ka.
DeleteHi, regarding sa garnishment if may money / payroll ka under your name kaya bang habulin ng bank un kahit hindi same bank ng defaulted account. How about yung sa husband mo po?
ReplyDeletemaraming info na about this. mangyari yun pag may writ of garnishment na. your husband's accounts will only be at risk if masama siya sa kaso. as to the question if likely masama ba ang husband / partner sa kaso, sinagot na to dati ni banker na hindi. pero may na share na cases na ang iba nasama rin.
DeleteOne year na akong defaulter at malaki naitulong ng blog na ito na bukod sa panalangin na mawala kaba ko sa araw araw dahil sa malaking utang ko sa cc. Four credit cards ang pinag kakautangan ko metrobank, bdo, at eastwest. Nagpapadala sila ng letter sa bahay at office, tumatawag din sa cell ko at pag minsan pag hindi nasasagot pati sa office . Ngayon lang may nakausap ako na credit collector at minamadali pa ako maki pag settle . Parang pinalalabas nya na kakasuhan na ako at Kailagan maki pag deal ako sa kanila. Alam ko na na tactics nila yan para mataranta mga defaulter. Sabi ko kung papayag ang bangko ang kaya ko lang bayaran sa isang buwan ay 3k, which is iniisip ko kasi na hindi papayag ang metrobank dahil nag offer sila ng one time payment na 750,000. Malaki na utang ko umabot na ng 1.2M dahil s penalties. Pinaghintay ako sandali tapos ok daw bayaran ko 3k for one year tapos taasan daw sa susunod na taon. Pero sa kwenta pa rin ng 1.2M. sabi ko hindi ako papayag dahil alam ko na sa kanila lang mapupunta yung 3k a month. Hindi ko talaga kaya magbayad ng malaki. Kailangan maki pag deal ako dahil hanggang 4pm lang daw at mare report na ako. Sabi ko sige gawin mo na report , hindi hanggang 3k a month lang ako at hanggang sa matapos at kailangan on paper. Sorry ang haba na.
ReplyDeletegeneral rule - pag hindi kaya isustain ang payment arrangements, never enter into it. itong offer na patingi ting is a huge scam, sayang lang konting pera mo. tell them na magbayad ka if maka recover na.
Deletemay experience po ba rito na naka tanggap ng summon sa small claims? pa share naman po, may natanggap po kasi akong summon sa lending coop ng sangla atm ko ( deped payroll ) yes isa po akong nalugmok sa utang na guro kaya nasangla atm january 25 2024 po yong schedule sa akin, nasa kanila ung atm ko na lock ko lng po sa mobile apps kaya hindi sila maka withdarw. makuha ko kaya ung atm ko f ever may agreement na kami gusto ko kasi tru gcash n lng ang payment, sana may makapg share ng experience,, update ko po kayo kung ano mangyari sa jan 25 2024
ReplyDeleteMarami nang nag share ng experience sa small claims. Most likely dun mo na maigiit ang gusto mo. Update us.
Deleteany payo po sa naka experience nito representative lng po ng lending yong ng sampa ng small claims ano po gagawin ko? pd ko po bang itanong sa harap ng judge ung mga perit ng lending or legal docs nila sa lending? kung iipitin po nila talga ako? o kakausapin ko n lng muna sila at di na lng kami pupunta ng branch 66 makatai?
DeleteKung aattend ka hanapan mo ng authorization and updated statement of account dapat indicated doon kung paano sila naglagay ng penalties. Ask them kung amenable ba sila sa compromise terms KUNG may pambayad ka and amenable naman go for it. Kung wala talagang pambayad pwede ka din naman nang di umattend.
DeleteHi po sa lahat! 1 year anniversary na po akong nag-default at unti unting nakakasanayan ko na po maging madiskarteng defaulter dahil po sa page na ito. Maraming salamat po sa mga admin, dahil sa mga nabasa ko dito sa page na ito alam ko ang tamang diskarte at di ako nascam ng mga kolektor. Alam kong malayo layo pang lakbayin pero salamat po mga ka-diskarte tuloy po ang buhay. God bless po sa ating lahat.
ReplyDeleteThis comment has been removed by the author.
DeleteNice. I hope you the best. Keep sharing your experiences here.
Delete
DeleteTYuTANG: congrats! Kamusta yung one year? Nag lessen or stop ba yung calls and letters? May nag house visit ba?
Question lang po, pedi ka din po kasuhan kapag nagparide ka at na default? bawal daw po..yan po sabi nung tumawag saakin..new defaulter po..sana po may maka sagot thanks po 🙏
ReplyDeleteKung ang ibig sabihin nyo po ng nagpa-ride eh pinagamit mo ang card mo sa iba, hindi bawal yun.
DeleteAng problema dahil sayo naka-pangalan ang card, ikaw ang may utang, hindi yung nakigamit.
Sir @BrianSureWood, it means na ikaw parin ang may utang sa credit card at ikaw parin ang responsible na magbayad at singilin nila?, ang dating po kasi nung tumawag ay parang may fraud involve?,. Thanks so much po sa enlightenment sir..
DeleteGanun talaga ang mga hunghang. false info para manginig ka sa takot at magbayad agad.
DeleteGanun nga po. Wala pong fraud involved dyan. Sabi nga Sonixx Haven, gusto lang makasingil ng mga yan.
DeleteIpipilit talaga nila na takutin ka sa fraud kasi may kulong yun at baka sakali maka tsamba sila na magbayad ka dahil sa takot pero ang totoo simpleng utang lamang yan.
DeleteVIOLATION OF DECEITS
ReplyDeleteCIVIL CASE: xxxxx
FOR: PROPERTY EJECTMENT
Dear Xxxxx.
Despite repeated demands for you to coordinate with your unsettled case, you nonetheless failed to make good of your obligation. Schedule of field visit will be served to you with coordination of your Brgy. officials that will be held this (JANUARY 22, 2024) by our legal representatives in line of the Complaint filed against you. Please Secure your presence at your Residence Venue to avoid any untoward incidents & commotions. Coordinate with Atty. Timoteo Pineda Jr. at 09361749233 for details to avoid full extend of the law.
Under section 5 liability under revised penal code. Prosecution under this act shall be without further notice upon schedule.
Call us at 09361749233 and look for Attorney Pineda. to resolve your pending case.
Nag email po eto sa akin. Di man lang sinabi Kung anong Collection agency at Kung anong bank.. Reply ko po is.. Paki bigay detail ng acct. And ireport ko sila for harassment.. May nakalagay po kasi na civil case no..
abuse of the old script. sila dapat ang ma "eject" dahil sa mga lies, deceits and all. if "liars go to hell," baka marami na ang CA crooks dun. 😂
DeleteKapag hindi nila sinama ang kumpanya nila atbp details matic yan pananakot lang. Kasi alam nila pwede mo sila balikan dahil ilegal mga galawan nila.
DeleteThank you so much po sa inyo. One year na po ako defaulted and still reading pa din po dito sa blog nato Para pampalakas ng loob..
DeleteGood day po ask ko lang normal lang ba na pati legal office ng city government ay sinesendan nila ng letter (CA) just to look for me? Deadmahin ko lang ba? As a govt employee nahihiya po ksi ako RCBC is alang card at alam ko 20k lng ang limit nun
ReplyDeleteNormal ang kaabnormalan ng CAs basta makasingil lang. Sabihan mo ang city legal dept na wag maniniwala sa scam.
DeleteThank u so much grabe sila matagal n lumipas ang panahon 10 yrs na nagchange pa ng CA dati molaer eh
Delete2013 to 2014 nasimulan ako nadefault then now after 10 years nabago na naman CA dati si Molaer eh... Ask ko lang aabot b tlg ng 10 yrs bago sila magfile ng case sa court? RCBC card ko nun ata alam ko 20k lng na max ko noon.. Nagstart na naman sila mag email pati sa email ng offce
ReplyDeleteMy experience is that the more you talk to them, the more they will contact you. If you don't entertain their calls, the less they will contact you. But if you are in the mood to argue with them, tell them you will only entertain them if they can provide you 2 conditions: 1) power of attorney for them to enter into negotiations (must have your specific name on the power of atty); 2) provide you all the signed vouchers (charge slips) you have signed and it must reconcile with the amount they claim you owe them. However, by asking them those documents, implicitly, you admit that you are a deliquent cardholder of the said bank. Another way to do it is to just deny that you had such a credit card and let them prove to you that it was your are the credit card holder. There is a dictum in law: "he who claims must prove."
ReplyDeleteSalamat planter haist kayo tlg nagpalalakas ng loob ko... At ang blog na to malaki ang tulong... Nahihiya lang ako na pati email ng ibat ibang govt agencies related sa office ko ineemail nila esp deped
Deletejust tell the other agencies na di mo sanction yun, at breach yun ng privacy and confidentiality. di lang naman ikaw lang nag default na taga DepEd, marami pa. just shrug if off and move on.
DeleteAsk lang po kung may right ang bank na mag set off ng credit card balance sa payroll account po kahit wala pang na issue na writ from court. Thanks po sa sasagot
ReplyDeleteif it is the same bank na may default ka, YES. nasa fine print ng terms and conditions yan. when we concurred to it, we gave the bank the right to do automatic offset. nadala ako nyan at early stage of being a defaulter. four banks, though maliliit lang.
DeleteI pity the late comer-defaulters. These "problems" were addressed several times already and are very simple to solve.
DeleteFor sensitive issues and concerns, I even tried to talk to them personally but after mentioning the yumburgers, they simply disappear! maybe just one of my failures. lol!
Thank you tlg banker at sa lahat ng bumubuo nitong blog... I remember may meet up noon dito
DeleteI’m really stressed from overthinking po. May case na po ba na real properties yung na gagarnish ng sheriff? My parents just passed away and yung bahay namin sa akin na naka pangalan. Too scared na mawala ito because ito nalang yung naiwan nila sa akin.
ReplyDeleteHope someone could help. Thank you!
Wala pa ko nababasa dito an ang property na-garnish.
DeletePero sa palagay ko, magiging issue lang yan kung ang utang mo ay equal na ng property mo. Di ka naman nila susuklian kung mas malaki ang value ng property mo sa utang mo.
So relax and don't worry.
Pede po na mangyari yun na property garnishment kahit d mo naman kinolateral ung bahay mong hinuhulugan pa s pagibig?
Deleteto begin with, wala pang nag share ng property garnishment. hassle on the side ng bank yun, especially pag may bayaran pa sila sayo. priority ng bank is to look for your bank accounts.
Deleteby law, exempted ang house for garnishment especially for non-secured loans.
pag complicated and hassle sa banks to garnish home properties under your name na, moreso ang not yet fully paid na home loan sa pag-ibig and other banks. naka emcumbrance pa ang mga yon.
in my case, binenta ko na ang bahay namin nung 2021 pa. wala kaming properties under our name, pati ang sasakyan na gamit namin, di sa amin.
one more thing - being defaulters, our worst enemy is ourselves. we tend to entertain unreal possibilities. it is feeding into our fears and killing our common sense.
Deletewe should never allow to lose our common sense. it is our ultimate defense, diskarte to counter the hunghang CA crooks. defaulter na nga tayo, di tayo magpakatanga. 😊
overthinking destroys us. maintaining our common sense keeps us live our normal lives.
Tama si Sonnix Haven. Huwag tayo magpapa alipin sa pangamba. Kumalma.
DeleteYour UNIONBANK PHILIPPINES delinquent account is now endorsed to us for possible legal actions. Civil Case (SUM OF MONEY/SMALL CLAIMS). We will personally VISIT your home/Office/Barangay address to conduct ocular and property checking. Please do not wait for a Complaint to be filed in court. Once filed, rest assured that we will seek the immediate issuance of SUMMONS in court against you without further notice. No response upon receipt of this message will mean our charge is valid and we will proceed filing of case including bank garnishing and property checking. We trust that you will give this matter your preferential attention to save yourself the trouble and expense of litigation.
ReplyDeleteNag reply ako na mas fair na sa court nalang. Nasa 23k nalang balance pero lumaki 79k dahil sa charges. Last year lang yan august. Tama po ba reply ko?
Kapag ganyan wag mo na sagutin. Auto Pananakot yan. Pero kung sinend yan using company email nila forward mo sa Bangko Central, NBI at PNP Cc mo din yung kolektor 😅
DeleteActually tama reply mo. Lalo pa nainis yan malamang dahil sinabi mo kasuhan ka na lang hahaha!
Delete@kinakape ano mga emails e cc? Thank you 😊
ReplyDeleteBrianSureWood thank u 😊
ReplyDeleteHello po good day! Sana matulungan nyo ko. Default po lahat ng 8 cc ko from different banks, single papo ako nito 2021 and now I'm married, makukuhanan po ba nila ng pera ung savings account ng asawa ko? Salamat po sa makakasagot
ReplyDeleteGood day po! Question lang po. Defaulter po ako last 2021 ng 8 cc from different banks, single papo ako nito, now I'm married. Ang tanong ko po is, makukuhanan ba nila ng pera ung savings account ng asawa ko? Thank you po sa sasagot
ReplyDeleteHindi po.
DeleteSection 4, Article 121 of the Family Code of the Philippines (Executive Order 209) states, “payment of personal debts contracted by the husband or the wife before or during the marriage shall not be charged to the conjugal properties partnership except insofar as they redounded to the benefit of the family.”