Rule # 1 - Don't believe what CA crooks tell you. Most of them are not true.
Rule # 2 - When in doubt, refer to rule # 1.
Quick Reminders from reTired Banker
1. NO TO CA : You can never trust them. They will just push you around and you panic with their threats and lies.
2. WAIT FOR THE COURT: It is always formal, legal, and fair. No need for a lawyer, or attend. Pay when able pa.
3. BANKS GET PAPER VICTORY ONLY: Unless you have millions in deposit. Other assets don't count. BACK READ..... BACK READ.....BACK READ.... para makakuha ng mga diskarte. Kung walang makitang sagot, pwede ka na magtanong.
Ask ko lng po hngng kailan Kya sla titigil mga collector years po b? Ksi bago bago p lng ako defaulter..wla ginawa mag text magpadala ng sulat
ReplyDeletemas matindi sila pag bagong defaulter ka. pigain ka na magbayad. hanggang di mabayaran, nagpaparandam yan sila. yan ang trabaho nila. it is their bread and butter. pag wala pa talaga, eh di wala. matuto ng mga diskarte.
Deletethe more you talk to them, the more they will call you. Better don't entertain their calls and do not explain why you cannot pay. That is not forum for discussion. Just remember CAs have no proof that you actually borrowed money. To build a case of "sum of payment" against you is too tedious for many banks. If you require proof, like the invoices, then most likely the banks will no longer be interested in pursuing the case. However if you accept right away the amount that you claim you owe them, then your right of asking for evidence has been waived.
DeleteYung pumupunta sa bahay o opis na nagbbgay ng sulat. Taga bangko pa po b Yun? O CA na. 80 days n po ako d nakakabayad.. salamat po
ReplyDeletemga CA crooks yan. tagahatid ng sulat. pag magwala, ipa barangay or ipa blotter sa police.
DeleteAs banker would say, just receive it. They are just messenger boys/girls. Don't argue with them. I used those letters as scratch paper.
DeleteSonixhaven .ang diskarte ko na ginagawa. D ako sumasagot sa email at d ko bngay cel no .ko..nagbilin ako sa guard pag hinanap ako Sabihin matagal. N ako Wala. Kya po ang anak ko pinupunthan nla. Ksi Isang building lng kmi nag wowork. Pde po b Yung ganun na Ang anak ko ang iistorbohin nla at sa knya iabot..ano po ggwin ko pra d n iistorbohin anak ko. Salamat ng marami po Wala p ksi ako ibbayad sa gusto nla
ReplyDeleteadvice your child not to accept anything not addressed sa kanya.
DeleteTama si Sonnix, huwag sya dapat tumanggap ng sulat na hindi para sa kanya. Kapag tumanggap sya ng sulat para sa iyo, doon magsisimula proseso ng pagdemanda sa iyo.
DeleteKung ayaw mo mademanda, dapat wala tumanggap ng Demand Letter galing sa Law Firm o Summon galing sa korte. Pag wala tumanggap, malaki chance na hindi ka madedemanda. Pero hindi yan guarantee kasi sabi nga ni Banker, marami paraan mga yan para idemanda ka.
Nung napuntahan ko na Diskarte EB dati, kwento ng isang defaulter, nadismiss yung isang credit card case nya kasi nakita ng judge na hindi nya natanggap yung Demand Letter. Kaya plano nya noon, huwag tanggapin yung iba pa, hehehe.
Sir, @EduardDeleon, nung nadefault po kayo kay BPI, tinanggap nyo po ba lahat ng demand letters? Maraming salamat po.
DeleteUpdated list of banks po na nagdedemanda? Defaulter po ng HSBC, EWB and MB. Ang natatandaan ko around early 2013 po ako na default sa mga cards ko na yan kasi ginamit namin nung na hospital ang mother ko. Tapos recently, nag offer ang SB sakin ng card, I applied and activated, after 1 week may nagpuntang CA hinahanap ako. I asked mga kasama ko sa bahay kung anong dala, mga papers daw pero hindi naman daw po pina receive. Hindi rin tinanggap. Possible po kaya nalaman ng mga CA na may new CC ako kaya nagpunta po ulit sa bahay namin? Tagal ko narin po hindi nakaka receive ng letters from them. Nabuhay lang ulit lately.
ReplyDeletelahat ng banks may legal recourse. kung gusto ka nilang kasuhan, dapat matagal na. clearly, na trigger yan sila sa issuance ng new CC mo. hehehe. hayaan mo na sila. tamang diskarte lang.
DeleteHello po. Please help me. Deceased na po papa ko. Principal po sya. At supplementary ako. BPI po ito. Umabot po ng 300k lahat ang cc due. Binabayaran ko po mad. Pero di ko na po kaya :( nagkasakit mama ko at naiswipe ko po ang supplementary card ko for her meds. Gusto ko sana pumunta sa BPI to ask for an arrangement. Kaso natatakot ako baka makulong ako dhil ginamit ko pdin ang supplementary card. :( willing naman ako magbayad kaso napupunta nalang sa finance charges :((
ReplyDeleteyou can explore arranging payments with BPI na kaya mo. otherwise, stop paying if you can no longer afford. prioritize the needs of your family. di ka makukulong kahit ginamit mo supplementary card. breathe and chill.
DeleteWhy bother to pay? Deceased na ang papa mo, all obligations are extinguished.
Delete@Perry: Why bother to pay? Deceased na ang papa mo, all obligations are extinguished.
DeleteUp dated po ako sa akin card n monthly ko binabayaran ano gagawin ko ksi prang d ko n mbbyaran next month monthly ko 10 months pa bago ako mattapos po..ano gagawin ko po. Kung sakali ang 5 cards ko na po ito .na idedefault ko.ano payo po nyo sa akin naiistress n po ako nasa 24k monthly ko
ReplyDeletePag d na po nabayaran Yung card. D po ba tatwagn ako ng bank .pra bigyan ako disct po. Ganun po ba Yun?
ReplyDeletedi yan sila magbigay ng automatic discount. tatawag yan sila para maningil. pag di ka magbayad, kukuha sila ng CA crooks na maningil sayo. mga hunghang to sila kadalasan. lahat ng diskarte kahit bordering na sa illegal gagawin nila.
Deletemagback read ka brother. walang mangyayaring masama sayo. huwag mag overthink. di natin sinasabi na kalimutan na lahat ng responsibilidad sa CC defaults. what we say is if hindi na kayanin magbayad, huwag na pilitin. unahin ang priorities para tuloy ang buhay. diskarte ka lang.
Kinakabahan po talaga ako dahil sabi po nagkakaso po si BPI. 😭 nahihirapan napo ako matulog sa gabi dahil dito. Pasensya na po kayo. Hindi ko rin po masabi sa mama ko ung sitwasuon ko dahil may sakit po siya. Ano po mas okay gawin huhu, intayin kopo ba na tawagan ako ng CA o kontakin si BPI for payment arrangement? Papayag kaya sila na 5 years to pay ? :( sana may makaapagshare ng experience regarding BPI😭
ReplyDeleteEto ang gawin mo:
Delete- Kausapin mo ang BPI at itanong mo yung mga tinanong mo dito.
- Wag ka na mag-alala dahil kung wala kang ibabayad wala din sila makukuha.
Normal lang yang nararamdaman mo. Pero kung wala ka pangbayad, wala ka rin naman talaga magagawa. Sabi nga ni Banker at Cherrylou, unahin mo muna family needs bago utang. Priority ang survival.
DeleteNag default ako sa BPI credit ko nung 2018, P500k+. Pumunta ako sa BPI sa advice ng kaibigan ko na nakakuha ng magandang deal sa credit card nya nung na-Ondoy sila. Pero sa sakin, willing lang makipagnegotiate si BPI sa terms na ibibgay nila, take it or leave it.
Di ko kaya kaya leave it ginawa ko. Yung huling nakausap ko na taga BPI, kahit sya mismo inamin na walang nakukulong sa failure to pay credit card.
Ayun dinemanda ako ni BPI. May decision na judge, order to pay daw na P1.2M+. Hanggang ngayon, nangungulit pa rin CA na makipag settle ako. Sabi ko wala pa rin ako pangbayad. Inaantay ko na lang writ of execution, tapos garnishment order, pero baka ilang taon pa bibilingin nun. May P10 ako sa bank account, lumang bike at sirang motorsiklo. Pwede nila kunin, hehehe.
Grabe from 500K umakyat sa 1.2M.
DeleteNalito lang ako, pag walang writ of execution pwede ka parin kulitin ni CA? Does this mean na pwede pang bumaba ung amount na need mo bayaran depende sa magiging usapan nyo ni bank?
Thank you
Hi sir Eduard Deleon, ibig sabihin po umabot na po ito sa korte? At 1.2M na po ang sinisingil sainyo? :( hindi po ba pumapayag ang CA na mag monthly installments nalang?
Delete@Rawhide,
DeleteMalas ako sa judge. Sa iba kasi di sinasama ng judge yung interest at kapag masipag, ikakaltas pa yung nabayad mo na. Marami kang mababasa dito na ganun ang decision. Nung niresearch ko nga yung judge noon, may mga nabasa akong issue/reklamo tungkol sa kanya.
Sabi ko nga sa taga SP Madrid. "May decision na judge diyan ah." Sabi sa akin, "ang decision ay settlement." Pero sa nabasa ko ay "order to pay" ang decision.
Hindi ako sigurado kung pwede pa bumaba. Nagtataka nga rin ako eh. Pero siguro nakita mo sa balita yung mga kaso na may decision na, nababago pa rin. Gulo no? hehehe.
@Perry,
Oo, umabot na sa korte, tapos na, may decision na judge. Sa ibang kaso dito sa forum, mababasa mo na binababa ng judge yung amount, kasi nga immoral yung interest. Sa case ko, sabi ng judge, mas importante daw yung contract sa credit card. Weird no?
Bago pa man ako nagdefault, kinausap ko na BPI at si SPMadrid na itong amount lang kaya ko na hulugan. Ayaw nila, gusto nila yung kanilang amount at schedule. Di ko kaya. Buti napayuhan ako ng kaibigan ko na wala nakukulong at civil case lang at laki pasalamat ko kina Banker at Cherrylou dahil sa blogsite na ito marami ako natutunan. Kaya ayun, natanggap ko na at nawala na stress ko, hehehe.
At saka kung iisipin mo, kung wala ka pangbayad, ano pa nga ba magagawa mo? Wala. Ingat ka sa monthly installments, check mo kung legit yan at kapag hindi mo yan natapos sa isang CA, mababaliwala mga nabayad mo. Uulit ka ulit sa susunod na CA na papasahan.
Hello po @EduardDeLeon
DeleteUng order to pay po decision ng judge pag wala po pambayad I wait nalang po garnishment and writ of execution tama po ba?
Hello @Lea,
DeleteOpo ganun nga po. Writ of execution, tapos garnishment order galing sherrif. Iinform dapat tayo ng korte ng developments. Ayon po sa experience ng iba, one time lang yan. Depende na lang siguro kung super yaman ka at sikat na sikat. Wala kasi sense ng paulit ulit na garnishment kung first time wala nakuha.
Sir sonixxhaven, makakasuhan po ba ako ng estafa nito dahil ginamit ko po supplementary card ko kahit wala napo ung father ko na principal? 🥺 sabi po ksi ng kaibigan ko, baka makulong ako dahil dito. Pls help.. naanxiety na po ako 😭
Deletebakit ka kasuhan ng estafa? in the first place, nagamit mo ang card mo dahil the bank allowed and approved it. saan ang fraud dun? you continue to have panic attacks if you entertain ideas na di naman mangyayari.
Deleteagain, kahit kasuhan ka pa ng sum of money case at matalo, pag wala pang pambayad, eh di wala muna. negotiate with the bank directly or with the CA if kaya mo to enter into payment arrangements. but if not, chill ka lang. tuloy ang diskarte sa buhay. your anxiety is bringing more havoc to your life. chill and pray.
hi sir @EduardDeleon good day po. Nakasuhan narin kasi ako ng BPI and di rin ako naka attend.
Delete- Lagpas three weeks na wala parin ako na rereceived na decision from judge, should I expect them to deliver the decision sa aking address?
- Are you currently employed here in PH? and di po ba nila ifefreeze yung other banks mo including Payroll?
Hello po sa garnishment na nababasa ko possible ba na yung house na naka name sakin ma garnish ? Wala namang million ang default ko nasa 100k
DeleteMiaka..ask ko lng po magkno sa 3 cards n default ka mgkno lht po Yun? Ksi ako bago bago pa lng default nkaranad ba kau ng tawag o kol ng mga CA?
ReplyDeleteang amounts ng default eh minsan di na material. kahit less than 100k or more than 1M, ang diskarte ng CA crooks ay pareho lamang. minsan nga mas makulit sila sa mga less than 100k. alam nila na mas dehado sila sa mga more than 1M pag di na talaga magbayad. diskarte lang sa buhay. di natin ginusto na magka default. ang gusto natin ngayon na malampasan natin situation natin. makakaahon rin tayo.
DeleteSonixhaven kailan po ako mkakauha ng disct po sa SB. Sabi nyo po tatawagan ako pra magbayad at d bgyn ng disct..kailan po kayakailan kaya Yung disct poYung sa SB ko?
ReplyDeletedi ko alam kung kelan. you can also call the bank if may offer sila.
Deleteyung one time big discounts tulad ng Eastwest ay nangyayari after many years pa. typically, the longer the default, the better offers. meanwhile you have to manage lahat na pananakot ng CA crooks. at bakit ka naman matakot sa kanila. role nilang maningil. sabihin mo lang, wait lang pag naka recover na ako.
Totoo po ba Yung sa sulat nla na ipapublish kung saan nag wowork Yung company kung saan ako nagtrarabaho? Salamat po ksi natakot ako
ReplyDeletedi ka pa nagback read @Imelda. karami ng na share na experiences yan dito. DI YAN TOTOO. may nabasa ba tayo na listahan sa newspapers ng defaulters ng credit card. eh di, wala.
DeleteHindi totoo nagtanong ako dati dito. Ipapublish daw name ko kasama pa office ko di naman nangyari pero ngayon nag eemail naman na magsettle daw ako same pa rin sagot ko ako mismo kokontak sa bank pag kaya ko na magbayad.
Deletemay savings po ako sa coop. kasama po ba ito sa garnishment if ever?
ReplyDeletebased sa previous info na share dito, parang hindi
DeleteAno po masasabi nyo kay cases chun associates law firm. May pumunta ksi ngbgay ng sulat 3 babae isa tomboy nka jacket
ReplyDeletesame lang yan sila lahat. diskarte ka lang
DeleteSir yung house po ba once naka pangalan sakin ma garnish din po ba?. New default lang po ako sa Unionbank sobrang laki kase ng minimum amount nila kaya email sakin nasa Law firm na yung account ko.
Deletedi ginagawa ng banks yan for CC defaults. pera sa banks ang focus nila. problemahin pa nila ang property management nun. at sila pa magbayad sayo kasi mas mataas house value nyo kesa sa CC default.
Deletefunny thing is - palaging sinasabi nila lalo na ng CA crooks na gagawin nila ang property garnishment.
chill lang.
Kailangan pa po ba Sabihin sa banks na lilipat na ng tirahan. ? Kung default na ko sa bangko ?
ReplyDeletepwede na rin na hindi. malalaman din yan nila. hehehe
DeleteSa mga nagtatanong po kung "Kumusta si ganitong Collection Agency or si Ganung CA" eto po ang sagot:
ReplyDeleteAng approach ng Collection Agency sa defaulter ay depende sa haba ng deliquency ng account mo
Yang services nila includes hardcore collection. Kapag ang account mo ay nailagay nasa ganung tier, dyan na kayo makakauha ng mga threats.
Hello Sir BrianSureWood, may i ask kasi nakapag download ako forms from bpi and pnb at pumirma for balance conversion na na email ko pabalik sa kanila paano kung di ko ma continue ang bayad? Salamat in advance.
DeleteSame lang po. You default. Walang additional consequences.
DeleteBriansurewood. Pag bago bago pa po defaulth. D pa sla masyado aggressive? Pag matagal na dun n mkakatangap ng ibat ibat pananakot? Ganun po?ako po ksi bago p lng default..
ReplyDeleteDepende po talaga sa tenure.
DeleteSa early stages po ay "persistent" ang mga collectors then turns to harrassment as it remains unpaid until mawala na.
Mag two years na akong defaulter, sa mga bago pa lang na defaulter paghandaan nyo na mga tawag at emails ng mga yan. Pati pagpunta sa bahay at office ko naranasan ko rin yan. Every now and then pabalik balik ako dito para maalala ko ung mga diakarte na dapat gawin. Gustong gusto ko bayaran mga utang ko pero sa ngayon wala akong maibabayad. Happy ako sa mga na se-settle nila mga utang nila.
DeleteHello Ms. Angel
DeleteAsk ko lng po ano usually or sino ang pumupunta sa office or bahay? like attorney po ba, mismong CA po? or messenger? and ano po ang ginagawa niyo may pinapapirma po ba sila sa inyo? huhuhu. Lagpas 6 months na po akong default. gano po katagal sa inyo bago kayo napuntahan? sorry sa dami ng tanong ko. Thank you din po.
Thank You for this. This is a lifesaver
ReplyDeleteHi, defaulter since 2020 po. Is it still okay to use a CC from a bank na hindi ako defaulter?
ReplyDeleteYes..ako defaulter ako..nagagamit ko pa. Kung saan good payer ako😀
ReplyDelete5yrs kana defaulter..musta mga CA? May binayaran kna ba sa default mo?Ilan ang default mo😀
ReplyDeleteIlan yrs ka na defaulter? 3 cards po BPI, BDO, and EWB. Puro email sila reach out with occasional calls. Wala pa po nabayaran. Kayo po?
DeleteShare ko lang. Grabe ang Capital Collections and Recovery Specialist Inc. haha pumunta pa talaga ng barangay namin! Tapos wala mapakita valid ID. Tapos may pinakausap sakin Senior Supervisor daw. Sabi ko I've been communicating with Chinabank directly regarding may financial reasons. At ang sinabi nila sakin ay yung pinaka unang email ko pa last year at sa dinami-dami ng na email ko wala sila update about it. Their only goal lang talaga is maningil and nothing else. Still, paulit ulit lang din ang usapan namin hanggang sa nag end at sinabi ko na lang na the next time na ipabarangay nila ako derecho kami sa police station para ipapulis sila for harassment.
ReplyDeleteHahaha. yan, ang strategy ng mga hunghang na CA crooks. puntahan nyo sa barangay, kunin ang ID nila, and confront the barangay captain bakit tinanggap ang complaint without clear basis. pag na establish na representative sila ng collection agency and by extension ng credit card, there and then, file a complaint sa kanila sa barangay. inform the barangay captain na mag file kayo ng administrative complaint sa kanila bakit tinanggap ang complaint. very clear na di covered nila ang complaint between corporation and individual. there and then also, file a harassment complaint dun sa representative ng CA. show to them na alam mo ang batas.
Deletenever kayong matakot pag mag threat sila na magkita sa barangay. use that to your advantage. mga hunghang talaga.
DeleteTotoo Sir Sonnix! Di ko kasi sinasagot mga tawag nakakaumay na paulit ulit.. pero i'm very active in replying to their emails. Good thing kilala ko naman mga taga barangay namin hehehe. I just hope I'll recover soon to my finances so I can make arrangements. I have no intention din naman to run away with my debts. DISKARTE LANG DIN TALAGA. Dami ko natutunan sa page na to. Thank you all!
DeleteFor context and for everyone reading this, I want to share my approach since I got many tips from here din naman. Last year, around November, I made the decision to stop paying on all seven major bank credit cards simultaneously due to financial and personal reasons. Essentially, I'm new to being a defaulter around January-February this year and haven't reached the stage of dealing with hardcore collection agents yet, but so far, everything is still under control. I don't stress too much about it, and my priority is to regain financial stability as soon as possible. I only answer calls when I feel like it, but I'm very prompt in responding to their SMS and emails. So far pinaka OA pa lang na ginawa eh yung kwento ko sa taas of this comment na nagpunta ng barangay. Pero ayun nga, sa palaging sinasabi dito diskarte is the key. Wag matakot, you're not a bad person for being a debtor. Just make sure na you're getting back on your feet and handle CAs according to what you're reading here and you'll be fine.. But yes, madaming calls, madaming emails, demand letters, house visits and SMS I have to deal with and as expected more to come.. If that happens babalik lang din sa mga diskarte and ikot ikot lang hanggang makabawi and capable na to make payment arrangements :)
Deleteswerte nga nung bago pa mag default at nakita tong Diskarte kasi well prepared kayo to manage all kinds of hunghang na CAs. most of us don't even want to be defaulters. and we truly feel our situation sucks. pero, andito na to. we really need to find ways to manage our situation. again, being defaulters doesn't make us less humans, and gives license to CA crooks to treat us inhumanely with their lies and threats. we never should allow them to control our lives. diskarte lang.
DeleteYep, that's right. Hey Sir Sonnixx, I have a question. It's a long way ahead, but I wanted to ask in advance once I'm back on track. What's the best way to start paying off debt? Should I focus on the biggest debt first, or from anyone's experience here po, how did you handle multiple cards when you were able to pay them off na?
Deleteif you are resolved to pay off your debts, start with the ones you can afford to settle. Request for detailed statement of account, and negotiate for a one-time payment you can afford. Don't ever enter into any installment arrangements that you are not sure to sustain and complete. Sayang lang ang bayad mo.
Deletebasa lang dito. iba't ibang diskarte ang ginagawa. others decided just not to settle altogether, and instead share whatever they have to social causes. pang gratis sa mundo. hehehe.
Kumuha ka ng credit report from CIBI and Transunion. Check mo ano yung lumalabas pareho na utang mo sa dalawang report.
DeleteOr, unahin mo yung mga posibleng magdemanda sayo.
While a bank filing a case is basically a paper victory, that victory has now the backing of a court order, so that can be enforced.
Ask ko lng po sino po ang matindi na magdemanda BPi o security po.salamt po
ReplyDeleteWala po sa patindihan yan. If they sue, they sue.
DeletePag sinabi demanda nkakatakot po Kasi..
ReplyDeletemindset lang yan @Rose. civil case to, just like annulment. banks know that even if they win million cases in court, di rin sila maka collect ng payments pag wala talagang pambayad.
Deleteif it is a real struggle to many of us to accept the fact that we have decided cases - there is no better way to transform our struggle to peace of mind - it is ok to live life with decided cases. ano ngayon? many of our leaders have decided criminal cases, and they remain our BS leaders. hehehe
Hi po, I have plans on going abroad to migrate. Will it affect my application if may civil case Po Ako?
DeleteThose that reached the courts or have received subpoena, please refer to Citibank vs Teodoro (google it). Since the credit cards are claiming that you owe them money and you used the card, ask the credit company to supply the ORIGINAL invoices (the one you signed) and only then will you start to agree on an amount.
ReplyDeleteito ang highest level na diskarte. let them establish na may utang tayo sa kanila. great one.
DeleteHello po kasama po ba sa magagarnish ang property na naka name po sa akin? Makikita po ba nila yun once may case na po?
ReplyDeleteDefaulter of EWB, MB and HSBC for almost 1 year na.
Yung property po kasi sa akin lang po muna pinangalan pansamantala habang inaayos po ang CO - OWNERSHIP namin.
Ilang years po ba bago mag case ang isang bank?
di natin alam kung ilang years sila mag file. 4 years na akong defaulter, at wala pang isang banko nag file ng case. pero yung iba, may case na even earlier. so depende sa assessment ng banks kung they can recoup payments thru case filing.
Deleteagain, bihira ang property garnishment. hassle sa banks yun. but in my case, if ever bibili ako ng properties, diritso na sa mga anak ko.
Hello Sonnixx, good am. I have a question. Two weeks ago, na-garnished po ng XX credit card company yung P20k plus ko na savings account deposit sa XX bank which they also owned. It's my monthly retainer fee from a company where I am working part time. For this reason, I closed my said XX bank account. The company I am working part time however insisted that I should have a that XX bank account where they can automatically transfer my monthly retainer fee considering that their sole depository bank is only this XX bank. My question: is it OK and safe if I let my son open an XX bank account under his name and let the company which I am employed part time deposit my monthly retainer fee on this XX bank account. Will my son's XX bank account be not compromised considering that they can see the link between me and my son at their computer file on this said XX bank account ?
ReplyDeletetoo bad. you could have withdrawn the funds faster than the bank offsetting. hehehe. many shared similar experiences in recent weeks. as to the opening of another account in your son's name, I do not see any legal problem with that. better inform your employer first if that works for them.
DeleteThanks a lot Sonnixx......your wisdom is much highly appreciated.
Deletethe ram. may writ of execution na po kayo. kanina lng kc dumating woe ko. nagwowory kc ako totoo ba na pumupunta cla sa bahay at kukunin mga gamit. sabi kc ng kinkasama ko wag ko daw papasukin kc nkikitira lang ako dito sa bahay. atayin ko dw xa umuwi at sya ang maikipag usap sa sherrif. kabado nako
DeleteCASE NUMBER: 24711
ReplyDeleteCOURT ORDER : PROPERTY EJECTMENT
* GEMMA CONSTRUCTION SUPPLY INC PANTU A VILLAGE BRGY ZONE 3 KORONADAL CITY SO COTABATO
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
(April 12, 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. Ricardo Castro
No: 09061650321 for details to avoid full extend of the law.
TOTOO PO BA ITO NA MAG PUNTA SILA BUKAS DITO SA AMIN? Haist..
Tonic..Hindi po totoo Yan maniwala kau sa akin ..ako Lagi bukas bukas..mag 1 yr na wla nmn..sa brgy d totoo Yan panakot lng nla Yun. At Sabihin nyo wla kinalaman ang brgy wag kau magpakita ng takot. Lalo kau tatakutin
DeleteHi Tonixx hindi yan totoo or i think depende sa CA. Ilang beses na ako naka received ng text from CA ng EWB tapos napakadami nila mag send. Pag hindi daw ako nag comply ng amount na pinapabyad nila pupuntahan nila ako sa bahay same day daw. May nagsabi pa nga malapit lang sila sa area and mabilis lang nila ako mapupuntahan. Nirereplyan ko sila na "ok po! Antayin ko na lang po kayo. And please provide your full name po para if ever wala po ako sa bahay at ibang tao humarap sa inyo sasabihan ko sila na ineexpect ko po kayo." And pa present po ng ID nyo pagdating. Salamat po."
DeleteAyun so far wala pa naman magpupunta sa mga nag message sa akin ng ganyan. And hindi na nila ako nirereplyan ng name nila.
Yung sa MB ko naman na CA ilang beses nagpunta sa bahay. Hatid demand letter with pananakot sa tao sa bahay namin na mag dadala na daw sya ng brgy officials pag hindi pa ako nag comply. KAY husband sinabi kasi sya yung nasa bahay nung araw na yun. Medyo nilakasan pa nga daw yung boses kasi may kapitbahay kami nasa labas. Parang intensyon talaga nya para marinig ng kapitbahay.Nireport ko sa BSP kasi threat na and medyo natakot mother ko nung narinig. Tapos CC ko yung collection email ni MB. After ng incident na yun puro na lang sila email ngayon wala nA ulit nagpunta sa bahay.
Question po usually ba CA ang nag rerecommend kay bank to file a case? Almost 3 years na po ako defaulted sa ibat ibang cc. Currently parang 2 or 3 cc ko ang under kay SP. Usually ba when po nag sstop mag house visit ang mga CA? Thank you!
ReplyDeleteJust want to share yung mga ginagawa sakin ng CA. Matagal na ako reader ng blog na ito at madami ako natutunan. Defaulter ako since 2021 nung nagpandemic from BPI and Security Bank amounting to 600K including interest . Kahit na nagbabasa ako dito minsan naloloko pa din ako ng CA. Yung unang pangloloko nila back in 2023 is yung meron daw ako complaint from Barangay. Tinawagan ako binigyan ng number ng barangay at police. Hindi ko alam kung bakit ako nahulog sa patibong na yun pero natakot ako did my own research pero wala dumating puro texts lang ng pananakot. Kaya advise ko sa inyo if they are serious about the complaint hndi via call or texts. Today tumawag nanaman from Justice Hall daw sila and yesterday from one of my relative, hndi ko alam paano nila nakuha ung number pero meron daw ako "Writ of Execuiton" and sherif daw sila. Past few weeks kasi nag call ang SP Madrid pero deadma ako with demand letter pa. Grabe talaga ang mga CA ngayon, pag natakot ka ikaw talo. Thankful ako kay banker at sa lahat ng admin na tumutulong sa ating mga defaulter. Wag matakot, magbasa dito pag in doubt. If magkaso sila hndi through calls and texts. Maging mas matalino sa CA, makaka ahon din tayo.
DeleteHi. I received an email today from MTC daw pero ang email address ay externallegaldepartment@gmail.com
ReplyDeleteA criminal complaint lodged before this branch 42 of Metropolitan Trial Court for violation of PD 10951 under article 315-318 otherwise known as "SOME MONEY" against you.
Adequate evidences had been forwarded and scheduled for preliminary hearing set on April 15,2023. Failure to notify this branch will transcribe to issuance of SUMMON/SUBPOENA
Hindi po ba black and white ang sinesend ng court and hndi email?
Kalokohan yan.
DeleteKapag di mo pinapansin yan, may Collections Agency na tatawag sayp at sasabihin na may offer ang bank. Sila yung nagpadala nyan. Wag mo pansinin.
tama ka nga sir, after ilang oras my ngsend sa akin na collections ng email ng offer.
ReplyDeleteHello po, baka po may naka experience po from Metrobank na mag offer ng amnesty? May email from MB na coordinate sa CA at may discount na binanggit (percentage) pero walang amount. Hindi ko tuloy alam kung may ilower pa ung sinabi ni CA. Paano po kaya i negotiate yun?
ReplyDeleteThank you.
mag eemail po sayo ung CA na may offer.wait mo lang po.pero sa experience ko sa MB, 3 yrs na po akong default, maliit ang discount.
Deletemag eemail po sayo ung CA na may offer.wait mo lang po.pero sa experience ko sa MB, 3 yrs na po akong default, maliit ang discount.
DeleteHi Marie. MB defaulter. Mag 1 year pa lang pero madami na silang na offer sa akin. Ang ginagawa ko pag nag tetext sila ng offer pero walang amount minsan nirereplyan ko na iemail sa akin yung details para mas documented. Then pag nag email sila tapos hindi ko pa kaya bayaran nag rereply ako sa email nila then i try na mag offer ng mas mababa. Sa experience ko pag ako nag offer hindi na sila nag rereply back tapos after ilang weeks or months may ibang amount na offer ulit.
DeletePero may isang CA ako na na experience nun ayaw mag email kesyo Collection Agency na daw sila and thru phone lang sila pwede mag offer.
Hi admin. I have been a silent reader for how many years na and this blog really helps para ma-ease ang anxiety to all the CAs. I have been a defaulter since 2013 and being honest, I have been ignoring them all these years. I have out of the topic question because my partner and I, we are deciding to apply for a Pag-Ibig housing loan and being a defaulter, how big are my chances of being rejected because of my defaulted CCs? Thank you.
ReplyDeletehello defaulter since 2013 also. got a house sa pag-ibig in 2021. pag-ibig did not seem to check with banks regarding my credit standing. the only papers they asked for were my payslips, certificate of employment, and pag-ibig membership information.
Delete2013 pa po kau defaulter? Wala kau binayad kht isa. PANO nyo po na handle mga CA po..Hindi po kau nla dinemanda? Magkno po lhat lhat default nyo?ako po ksi Malaki po e salamat po
ReplyDeleteNakapagbayad naman po ako hanggang dumating yung time nagkaroon ako ng financial crisis dahil sa mas kailangan ng family. I have BPI and EB, yung BPI po yung medyo malaki, nasa 100k plus. Hindi po ako nademanda pero tadtad naman po sa calls kahit sa work ko. May time na rin na kinontak nila Barangay Captain namin. May time din po na tumawag sila sa work at nagpakilalang police, nag-threat na dadamputin at ikukulong ako. Sobrang stressful at nahihiya din ako sa work that time kasi lagi silang tumatawag, hanggang lahat ini-ignore ko na mga calls, texts and email nila until this day.
DeleteHello Po sir Sonnix and sir Brian nashare ko napo dito yung about sa case ko dati na may decision na and may garnishment narin sa bpi cc ko then today nareceive ko tong email from the collection Lawfirn ni bpi.. sa ngayon wala parin tlga capacity na mgpay cguro maximum ko na kaya e settle is 5K per month defaulted amount ko po is 497K then nag naging court decision is 1.4M. Hingi sana ako advise if pwede ko ba na replyan sa email na yan lang kaya ko sa ngayon?pg call kase baka kulitin ako pg nalaman na ang cp number ko. though active pa po ang CP ko na naka register sa kanila kaso hndi ko narin sinasagot mga unknown callers.
ReplyDeletePlease be advised that the Decision regarding your unpaid BPI Credit Card account had already become final & executory. Although we had gone this far, we’d like to assure you that we still prefer that this matter be settled the soonest possible time without the intervention of a Sheriff who is mandated to implement this decision after its finality.
In this way, you may avoid the embarrassment attendant to the implementation of the decision. We are therefore giving you this last opportunity to discuss the matter.
For any concern, please call the undersigned.
pag di pa kaya, eh di wala. you may inform them na wala pa talaga, or pwede rin, hayaan mo muna.
Deletekahit ilang cases pa yan, at ilang million, pag wala pa, eh di wala pa.
don't enter into any payment arrangements na di kayang i-sustain, sayang lang bayad mo.
with the writ of execution, you are in a better position to manage the CA crooks. outright sabihan mo, "nasa korte na to. huwag mo nang guluhin ang magulo kong buhay."
Hi defaulter E ano po update may nagpunta po ba sainyo? Or ano po actions ginawa nila about sa message nila sainyo?
DeleteREMINDERS: pag unknown ang handle mo, automatic delete ang post mo. yung mga naniwala pa rin sa mga texts and messages na kasuhan ka na, o puntahan ka sa bahay, nasa sa inyo na yun pag naniniwala pa rin kayo. mag BACKREAD to help you manage your stress.
ReplyDeleteask lng po, if ever na mlaki offer na discount ni CA, 600K+ kasi umabot ung amount na di ko alam kung pano nangyari n lumubo ng gnun at bayaran lng daw ng 200k+ automatic may cert of full payment daw akong marereceive.. pano malalaman kung legit yun? thanks po..
DeleteMAY NAG EMAIL SA AKIN NITO KANINA FROM DAILY TRIBUNE NEWSPAPER DW. TOTOO KAYA ITO? Salamat po
ReplyDeleteGOOD DAY,
We received a paid ad "NOTICE TO THE PUBLIC" against JIREH ANTHONY LIEF NOMAN FORRO dragging the name of GEMMA CONSTRUCTION SUPPLY INC. Indicating that there is a pending case violation of ARTICLE-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 to be shown for three (3) consecutive Sundays in a newspaper and paid by a certain ATTY. MARGARET TORRES ARIBON.
Note: This is avoidable.
We recognize the duty to air the other side and the duty to correct substantive errors promptly.
Sincerely yours,
CHITO LOZADA
Tapon lang
DeleteHuwag ka kabahan. Do you think they will pay more than several thousand pesos para lang sa bloated na defaulted amount mo? Also, may nagbabasa pa ba ng printed newspaper?
DeletePara mainis sila, send ka ng updated pic na gusto mo then pa-edit mo at lagyan ng background either na nasa Siargao or Amanpulo ka.
Ako po uli. Di na ako makapag back read sobrang kinakabahan at magkaka panic attack po yata ako. First time ko maka receive ng email na ganito. Lagi ako nakaka receive ng email pero madalas sa collections agency pero first time etong Credit investigation bureau na eto.
ReplyDeleteCredit Investigation Bureau
Legal Division Office
*NOTICE COPY AGAINST THE DEFENDANT *
Good day, this is to advise you that the plaintiff has filed an execution case against you for both civil and criminal violation under Article 315 & 318 Deceit, Small Claims Case. The plaintiff presented a major source of evidence that would be used as the main petition for the issuing of the Legal Notice. The filing date will be on April 15, 2024 at Regional Trial Court. Make yourself accessible for the court notices that will be delivered by your local barangay and court sheriff to your permanent address as well to your employer listed in the sworn statement affidavit. You can contact the Mediation Office for coordination at 0985-208-9236
Note: Kindly request for your Dismissal Order to be submitted to the Mediation Department office today. Otherwise, the MDO will sign the formal complaint and advise the plaintiff to proceed with the filing of the case against you. We are hoping that you treat this notice as important. Thank you.
Regards,
CIBI-Legal Staff
Ang mga banks mismo, at hindi ang CIBI ang mag file ng court cases. Delete to. Huwag sayangin ang energies sa mga maling akala, lies and threats ng CA crooks.
Delete@reTired banker's ultimate dare- eh di mag file kayo. walang mawawala sa atin pag mag file ng cases ang banks. mas may mawawala sa banks dahil they have to spend more in filing cases at wala rin silang makuha.
chill!
Basa ulit sa post mismo - Rule 1 and 2, at reminders.
DeleteMsg today ng mga crooks:
ReplyDeleteBGY
(c/o Brgy. CAPTAIN / OFFICIALS) We would like to request for your kind assistance regarding with MY NAME, whom we learned is a resident of your Barangay. Kindly advise him/her to call our office. 09675486206.
Ndi aq mgpapadla sa pananakot dahil s blog na to. Sobrang thankful aq sa blog n to. Mkakaahon din tau.
Good pm. salamat po sa blog na ito at marami ako nautunan. malaking tulog po lalo sa sa Anxiety. bagong defaulter lang po ako mag 3 months na at sabi ng bank mapupunta na sa CA yung account ko this month. Meron lang po ako mga konting tanong based dun sa mga na experience nyo sa mga CA:
ReplyDelete1. ilang beses po ba sila tumatawag? daily po ba? weekly?
2. tumatawag din po ba sila tuwing weekend?
3. nag ho-home visit din ba sila ng weekend?
At sa mga naka tanggap na po ng summon dito: Kasama po ba yung spouse nyo sa case kahit hindi naman cya supplementary ng card at naka pangalan lang sayo?
Maraming salamat sa sasagot.
1. Unli tawag
Delete2. Everyday even saturday and Sunday and holidays
3. Yes, na visit ako ng sabado
4. Sa pagkakaalam ko hindi
1. Sa 1st one year - 100+ calls, iba iba ang number pa na gamit.
Delete2. Yes kahit weekend. Depende sa CA.
3. Home visit sinasabi nila pero abot sulat lang yan kahit weekend.
4. Ang alam ko po based sa nabasa ko rito, hindi po. As long as hindi updated si bank na married ka na.
@Angel salamat. regarding po sa home visit, ano po ginagawa nila? saka nagsasabi ba sila in advance kung kelan pupunta o biglaan nalang?
Delete@Lacus salamat. yung sulat po ba kelangan meron mag receive at pumirma? pano kung walang tao sa bahay o hanggang lobby lang po ng condo? iniiwan lang ba nila?
DeleteUng sa akin minsan iniiwan lang sa gate namin. Ung iba kasi pinapareceive tapos kung sino ung magreceive hihingan ng contact number para yun matawagan nila, sya ung kukulitin ganon. Sa bahay kasi hindi nagbibigay ng contact number kung kanino. Pag hinanap ako, laging sabi lang wala sa bahay.
DeleteWalang araw kelan yang home visit na sinasabi nila. Pero kahit weekends meron. Mag aabot lang ng sulat. Biglaan lang punta. 4 years default ako sa 6 cards, never ako nagreceive ng sulat. Kung sino lang abutan sa bahay. Or minsan iniiwan na lang.
Dapat po ba ako magreach out pa sa kanila? May email po sila ngayon lang.
ReplyDeleteGOOD DAY PNB CREDIT CARDHOLDER!
We know times are somewhat difficult, but that is no reason to renege
on your obligations to Philippine National Bank. We believe that you
know that LITIGATION PROCESS would be quite expensive. Worse, there
would be substantial embarrassment and loss of face on your part. You
will have no peace of mind and your credit standing reputation will have
a negative finding forever be tarnished once cases are filed against
you.
We are now on the process of asset searching under your name that they
could use as an attachment when they filed the CIVIL CASE against you.In
case, This will be granted it allows us to garnish your known personal
properties like (BANK Accounts, Vehicles, Household Appliances, Shares
of Stocks in Corporation ETC.) And may Levy Your Real Property as
security for the satisfaction of our client's claim against you.
This Final Notification and the previous reminders we've made may be
evidence in the court of failure to pay and ignoring our calls, messages
and email to you if it becomes necessary to go through possible court
proceedings and would be expecting to pay the applicable interest and
attorney's fees.
We are now coordinating with Brgy. officials to serve the FINAL DEMAND
LETTER to your residential/ business address to officially file you as
a BLACKLISTED CLIENT that will affect all of your personal records
whatever purpose it may concern.
We will give you this last chance to settle your account and clear your
name with PNB until APRIL 22 2024 ONLY. you can pay directly at any PNB
branch for one day posting or through online banking/Gcash or any Sm
payment center.
old script. delete. you may decide if mag reach out ka sa kanila.
DeleteIsang araw lng pahinga .pag bago araw araw yan iba iba number..ako dko sinasagot pag kol. Nag rereply ako sa txt..ganun ginagawa ko.sa june 1 yr n ako default wala n tumatawag sa akin at nagtetext. Nag email inoperan ako 50 percent Off vd p kya kya d ko ginrab..chill knong fhl sa bago ka. Maging txtmate mo sla nyn😂
ReplyDeleteSalamat. try ko din tong strategy mo sana gagana din sakin. Pano yung mga Home Visit nagkaron ka din ba?
DeleteHi po. Pwede po ba makahingi ng idea kung ano po kaya yung sinasabi nyo sa mga CA na tumatawag sa Office phone para tumigil po kakatawag dun?
ReplyDeleteMas better po ba na sagutin ko tawag nila sa cellphone ko para hindi po nila tawagan yung office?
Hello Admins, ask ko lang, sa mga CA na nag aask ng Valid Ids with 3 signatures, proof of income and letter to avail the discount, para makapagsettle, binibigay nyo po ba?
ReplyDeleteIf ever kaya na ung offer pero ayaw ibigay ung mga requirements nila, kasi copy ng valid id din un at may signature pa. Nakapagsettle po kayo kahit wala po yan? Nagdirect po kayo sa bank?
Thank you.
May email lang po si bank na sa kanila na makipag usap to settle. Nasa kanila account ko.
DeletePero ayaw ko ibigay dahil confidential mga yun. Hindi raw magproceed pag wala. Plan ko tawagan ung bank para dun na lang makipagsettle, kaso sa experience ko sa ibang bank, patatawagin lang nila ung CA sa akin.
Thank you po.
Di kelangan ibigay yan. P
DeleteHi Sir BrianSureWood, sabi ko rin po ayaw ko ibigay kasi confidential. Hindi raw magproceed. Hindi ko na nireplyan. Tawag na lang ako sa bank next time.
DeleteTapos po ung isang CA, gusto nila 70k one time, sabi ko 50k lang kaya. Hindi raw approved ni bank. Ayaw naman magbigay ng SOA.
Lagi ko sinasabi wala. Ako sa ngyon..kung ka close mo mga ka office mate mo pag hinanap ka matagal kna wala .d kna ttwagan sa opis mo mag tetext n lng sla..wag ka mag pauna sa takot nla. Unahan ko sla ipakita mo may alam ka sa batas chill k lng. 😀
ReplyDeletep.s. Banker po ito. can't post with my handle
ReplyDeleteGood day, may i ask po kung nagpa file ng small claims ang rcbc sa 35k at 50k unpaid credit cards? Nag message kasi na duet to my refusal to pay kakasuhan daw ako small claims. Salamat po sa makakasagot.
ReplyDeleteVelasco Zarate & Centeno
ReplyDeleteCounsel for SUMMIT COLLECTION & ALLIED SERVICES, INC.
Associates Suites 301-303 Summit One Tower, 530 Shaw Blvd., Mandaluyong City 1550
Tel Nos.: (02) 8534-7753 local 103 Fax No.: (02) 8534-3695 ALaw Eirm Mobile Nos.: 0919-0840565 | 0917-1239525 | 0998-5911309 | 0998-5970133
Viber & Whatsapp: 0919-0840565
Email Address: summit_r27@scasicom.ph/ summit_r31@casicom.ph
April 12, 2024
MCC2024-4
RE: METROBANK-COLLECTIUS CARD NO.5464XXXXXX672008 LITIGATION FILE NO:04/02/2024 /MCC2024-4
Dear Sir/ Madam,
Your unwarranted and illegal acts in DELIBERATELY REFUSING TO PAY AND SETTLE OUR UNPAID OBLIGATION in the total amount of Php 105,218.23 as of April 02 2024 including interest was referred to us for appropriate legal action.
It cannot be denied that with deceit and fraudulent intent and despite several and repeated demands, for you to pay and settle the above- mentioned amount, you failed and refused as you continuously evade payment of the samne.
IN VIEW HEREOF, we are giving you this opportunity to submit to a compromise agreement as sanctioned by the law within an in extendible period of the (10) days from receipt hereof. If we do not hear from you within said period we will interpret your silence as an express admission of civil and criminal liability. In such an event, we have no other recourse than to utilize this admission as evidence in an action to be instituted to you in the Office of the City Prosecutor and/ or directly to court to secure the appropriate warrant of arrest and/or writ of execution for the protection of our client. Further we will hold you liable for damages and attorney's fees.
We trust that you will give this matter the preferential attention it deserves to avoid the inconveniences of litigation.
grace barcenas20@yahoo.com
Very Truly Yours
Atty. Kevin Taningco Legal Counsel for SCASI
Viber ers
Contact Person: Mr.ROJAS at Mobile nos: +63 919-0840565 | +63 917-1239525 | +63 998-5911309 | +63 998-5970133|+63 998-5911307 | +63 998-5998562
Good day metrobank defauletr since 2013 ilang beses na rin po ako nakapagtanong dito at salamat po sa mga repkies. Kaso po ngaun may natanggap na naman ako email woth attachment na po at may letterhead na kung magbabayad po ba ako sa kanila ko po ba yan babayaran pero hindi in totatl dyan sa nkalagay meron akong na screenshot dati na nakuha ko sa mga sinemd sa email ko ang pinakmababang offer nila is 36k. Gusto ko sana un na lang ang bayaran ko sa datong inoffer nila. Pano po ggawin ko maraming salamat po. Ulit God bless
You may call the bank to negotiate that amount if sa kanila pa ung account mo at hindi pa nabenta. Ganito rin gagawin ko pag nakaipon na kong pang lump sum.
Deletegrabe naman makapanakot.
DeleteDi ako makikipag-usap sa ganyang agency na nagsisinungaling and nananakot.
DeleteTumawag ka sa bank pero sabihin mo sa kanila ka makikipag-usap at hindi sa agency since nagsisinungaling yung agency mo by threatening you with arrest.
Sir briansurewood. What if po willing na po ako makipag settle. And pumayag na po cla na matanggal ang mga penalties and charges. May ibbgay po cla account.. account na po ng collectius philiipines dun ako mag pay thru metrobank or gcash. Sabi ko thru metrobank ako magbabayad ..kasi kung itatawag ko din po sa metrobank baka wala na rin po yung account ko sa kanila. Then may bbgay cla na payment agreement. Gusto ko na po matapos din. Tama po ba ung gagawin ko maraming salamat
DeleteHi admin. May question lang po ako. Sana masagot.
ReplyDeleteEto po ang scenario.
Current payroll account ko po is landbank. Ngayon ung company namin is nag decide po na ilipat ang payroll namin sa bdo.
May defaulted cc and 2 closed account po kasi ako sa bdo 4yrs ago. Magkakaproblem po ba ako sa application ng payroll account if ever? And i-aauto debit din po ba nila ung payroll account ko sa bdo once na nandun na ang payroll namin ? Thanks po sa sasagot :)
Posible po ma auto-debit yan.
DeleteHello po sa lahat. May UB SA po ako at doon po pumapasok sahod ko bilang VA. Last week po na set off po yung natitirang amount sa account ko. Ang sabi ng UB dahil daw po sa unpaid Citi CC. Paid na po ang CC ko pero may unpaid citiloan ako. Ang tanong ko po ay kung gaano sila kabilis at kadalas mag set off. Salamat po.
ReplyDeletethey will do that regularly. unahan mo sila mag transfer o withdraw.
DeleteNakatanggap ako nang ganito sa Junk mail ko (delete ko ang name and company name ko) ,senior verifier daw cya . Di ko rin alam kung ano to, may idea po ba kayo didto kung ano to? Ang cc ko is with security bank but nag coordinate na kasi ako sa kanila sa payment scheme at security bank email then yun. Ito kasi Gmail lang, parang scam, yung official email address nang daily tribune, nilagyan lang niya ang letter p sa unahan. Ang dami na talagang scammers or scam na collector ngayon.
ReplyDeleteGreetings!
This is to formally inform you Mr/Ms, xxx connected to xxx that a paid advertisement is about to be published under the “NOTICE TO THE PUBLIC” section of our partner Publishing Company. As part of our due diligence is to make you aware of the matter prior to printing at the same time, give you the chance to invalidate the context of the advertisement as it contains some sensitive information that may damage your reputation.
In granting the same, may we request that you coordinate with the advertiser’s representative and show cause, oral or written, why both parties would no longer pursue the publication of said advertisement to be shown for three (3) consecutive Wednesday in a newspaper of general circulation.
ADVERTISER INFORMATION:
Name: PRIVATE SECTOR Contact Information: 09756928455 Subject: In relation to Executive Order 573. Kindly submit compliance with this order Two (2) days from receipt hereof to defer printing. Thank you
FOR INQUIRIES YOU MAY CONTACT
Mr. Archie Evangelista
SENIOR VERIFIER
09560943258
Thank you.
i-prank mo rin sila. tawagan mo ang magpakilala ka na taga PNP Cybercrime Unit. tumawag ka kasi may nag file ng case against the "Publishing Company" Hahaha
Deletedelete mo yan.
Hello po. Sobrang thank you sa blog na ito kahit paano ay nababawasan ang worry ko. Ask ko pang nag migrate na po ako i plan to settle everything once naka work na ako. Housewife kasi ako for now kaya hindi maka bayad. Sa bahay ng parents ko naka address lahat ng letters. Is it better ba na wag ireceive ng parents ko and let them know na hindi na ako dun nakatira? magpa file ba sila ng case kung walang naka receive ng demand letters?
ReplyDeleteMag 3 months na po akong hindi nakakabayad sa mga credit cards (BDO, UB, CITI, BPI, and EastWest). May nagkasakit sa amin at ginamit namin mga cards namin. Ngayon, nag apply ako sa IDRP at sa MAy 30 na ang start ko sa kanila. Pero kanina mag nagpunta dito sa bahay from EGY daw at baka sa sunod ay may magpunta na ulit na taga SP Madrid. Natatakot ako at ayaw ko sabihin dito sa bahay kasi malaki na ang problema namin at dadagdagan ko pa. Baka mamatay yung taong may sakit dito sa loob ng bahay namin. Ano po kaya ang dapat kong gawin. Nag eemail naman ako sa kanila pero hindi ko lang sinasagot ang mga tawag. Talagang madali din puntahan itong bahay namin. Hay.
ReplyDeleteIlan pong interest ang binigay and ilang years to pay po?
DeleteThe hardest part is ipapaalam mo sa mga kasambahay mo ang iyong financial situation pero kailangan yan para masimulan mo na ang ika nga natin na road to peace of mind. Once aware na at tanggap nyo nang buong pamilya ang situation nyo, sabihan mo na lang na if may pumunta, I would suggest to accept the envelope na iaabot and limit the answers to yes or no lang. No need magpaliwanag sa messenger or mga mag house visit. Wala din sa kanila ang iintindi sa ibibigay nyong sagot. Habol lang nila is magbayad ka or mag agree ka sa terms na ibibigay na super pabor sa kanila. If wala pang pambayad, sabihin lang wala. if meron, decide on the terms na magaan at sustainable sa iyo.
ReplyDeleteIf mangulit or magsimula sila maging aggresibo, you always have the choice to either tell them na wala ka pang pambayad, or offer mo ung kaya mong payment arrangement or (if bastos) shut the door at magpatawag ng pulis or taga barangay.
Nakakastress talaga sa umpisa pero need mo lang yan imanage. try to back read, marami kang mababasa kung paano nila nahahandle ang mga CA situations.
Diskarte. Refer to Rule 1 & 2 above. Defaulters na tayo. Huwag na natin sayangin ang energies at oras sa kaba, takot, at overthinking. Diskarte para makabangon.
DeleteAnong best way ‘itaboy’ yung mga nagha house visit? Sinabi na kasi na wala yung person, hihingin pa yung contact number and name nung sumagot sa door, gusto pa ipakiusap through call yung taga-agency.
DeleteKinakausap nyo po ba ung taga collection agency kapag ganun?
DeleteGood Day! Hello po sa lahat just want to share my experience I have a default BPI Credit card for years, April last year I have received letter of garnishment , unfortunately may acct ako sa PSBank na small amount lang naman na na garnish when I ask the bank they cant do anything about it daw. Hinayaan ko na lang din kasi wala naman ako magagawa. Unfortunately this year I applied for MP loan for pagibig and approved naman the proceeds was credit on my loyalty card via AUB last monday kaso di ko sia ma withdraw so I called the hotline of AUB and asked why sabi nila may na receive daw sila nga letter of garnishment last year the reason why naka hold yung proceeds ko from my pag ibig loan sabi ko the reason I applied for a loan is to fund a medical emergency. Is there any possible why na mabalik pa sa akin yung loan proceeds ko. Appreciate your advise po. Thank you🙏🫶
ReplyDeletePag ba naka garnish na yung bank account ibig sabihin naka hold na cya indefinitely? any amount na papasok in the future hindi mo na ma withdraw?
DeletePano if mag open ka ulit ng new account after ma execute yung garnishment i ho-hold parin ba ng banks?
MichaelMendiola. One time garnishment lang. Not unless bobo ang bank manager and/or nasa landbank ang account mo.
DeleteBanker once mentioned that one could apply for a certiorary para marelease funds but Im not sure on how to exactly do this.
Delete@highhopes ilang years ka po defaulter sa bpi b4 nag file ng case si bpi at umabot ba ng years bago nag garnish?
DeleteWala na po way to get that. Yan ang problema sa garnishment.
Delete@michaelmendiola,
DeleteKinukuha yan ng bank.
Yung holding is to prevent you from withdrawing so they can get it.
@BrianSureWood,
DeleteOpen ng new account sa ibang bank pagkatapos ng 1-time garnishment pwed pa?
Gano po kadalas yung house visit/abot sulat? weekly ba? o monthly? 1 card lang din in default ko ngayun
ReplyDeleteDepende. Prepare for the worst but hope for the best
DeleteNabasa ko lang sa Reddit. From former CA of SP Madrid:
ReplyDelete"Op dati ako nag work sa so madrid collection agency. Sa una ok dun mananakot lang kami ng mananakot gang makasingil at may makkuha kami incentives kda singil namin.
Pero tumagal ng tumagal nakaksuka na ! Kaya umalis ako. Ako na nagssbi sayo wag mo pansinin yan. Hayaan mo yan. If may pangbayad ka na saka mo isettle kung wla hayaan mo lang yan. Wag ka maniwla sa iba dito na isettle agad agad etc. Di totoo yan ako na nagssbi sau sa tagal ko nagwork dyan sa ganyan alam na alam ko na baho ng collection agency."
"Hello, former employer ko po sp madrid. Wag kayo pa stress , remember bayaran nyo yun kung ano lang principal balance nyo. Wag na po kayo makipag negotiate kung ayaw kasi mas lalo nila kayo kkulitin dahil alam nila may capacity kayo magbayad dahil kayo mismo nakikipag negotiate kung ayaw e d wag po. Saka nyo bayaran if meron na kayo pero principal lang wag na interest. Para san pa sila din mag rreachout sayo katagalan at ssingilin ng mas mababa pra lang ma close account."
"Pag pinahiya ka mas maganda boss alam mo kung bakit , kunan mo video send sa BSP copy mo email ng c.a then boom matthimik ka baka taon na d ka guluhin ng mga yan. Takot kami sa BSP kaya iniiwasan yan mga ganyan pamamahiya kasi oag na report kami sa BSP ng ganyan malaki ang penalty na bnbyran namen . yes pwede pumunta sa bahay at workplace pero magaabot lang dapat demand letter, nothing more nothing less.. Receive mo lang then walk out. No need makipag usap sa mga ppnta sa bahay nyo o workplace, also uso yan dati nagpapanagap iba na pulis etc lawyer wag ka magpapaniwala sa mga yun. Ewan ko if meron pa nun pero pinagbawal na yun eh pag may ganun lage video lang send sa BSP copy email ng c.a agency ."
Reddit link?
Deletehttps://www.reddit.com/r/PHCreditCards/comments/1c4ades/drowning_in_debt_personal_loans_and_one_50k_cc/
DeleteHello, kamusta po rito yung may kaso kay Home Credit? na-execute po ba ng court?
ReplyDeleteHello po kamusta po ang lahat❤️Tanong ko lang po makaka alis po kasi ang mister ko po at defaultee na din po siya,nag alala din po kasi ako about sa garnishment,kapg po ba ang allotee po namin ay idedeposit sa accpunt po ng anak namin ay hindi po ito kasama sa pwedeng mahold po ng bank,maraming salamt po
ReplyDeleteHindi yan mahohold kung sa anak nakapangalan.
DeleteGood day mrs.taurus..sa case ko po ako po ang defaultee sa ilang bank at ang asawa ko po cruiseship nagwowork..ang ginawa ko po Kasi panay ang basa ko dito ang ginawa ko pinagwiwidraw ko lahat ng pera sa mga bank accounts namin at nilipat ko sa account ng kapatid ko na mag access ako..at dun na ako nagpapadala ng alottee kasi pinasabi ko sa asawa ko na un ang gamitin sa office at dun ipadala ang pera..ok naman sa office ni questions naman agad agad nilipat sa name ng kapatid ko.at na garnish sa bpi ko ung natirang 300 pesos ehheehehe inunahan ko na sila.so ngayon wala na kaming bangko na naka pangalan samin lahat sa kapatid ko.i think much better if ilipat mo nalang sa kapatid mo or sa kapatid ng asawa mo..just to be sure.pero dapat ma access mo din pra malaman if dumating na ung pera mula opisina..magback read ka lang sender sobrang laking tulong nitong page nato..thank you banker..supersonixx..briansurewood..kinakape..at iba pa..as of now panay ang email sakin ng mga demand letter at mga confidential ek ek na di ko binubuksan hehe..8 months ng defaultee..makakabangon din tayo muli..basa basa lang dito to keep us sane..:) at may cctv din sa harap ng bahay nasabihan ko na ang kapamilya ko na pag may nag eskandalo video lang at eemail ko lahat sa bsp pero nabrief ko nadin sila lahat about jan sa kahihiyn na gagawin ng mga CA kasi accepted ko na defaultee ako..as of now wala pambayad..priorities ang utang sa labas dahil sa mga unexpected na sitwasyon sa buhay..keep safe everyone..:)
ReplyDeleteAsk ko.lang po, regarding sa garnishment, magagarnish din po ba ung sa spouse if kahit hindi naman sya ung defaultee??
DeleteMaraming Salamat po Sir Kinakape at Smiley Eptisam❤️sa anak ko na lang po,minsan po kasi mahirap pa din po kapag sa kamag anak po makisuyo,pwede nmn po sa anak ko lalo at mag 18 na po siya❤️maraming salamt po,hinihintay ko lng din pong babaan nila ung offer po lalo po sa Citibank at mgulo po dahil under na po sila ng UB😊ingat po ang lahat
DeleteMakakakuha ka pa din po ba ng NBI clearance kung may small claims case? Wala na din po ako update sa case. Salamat po.
ReplyDeleteof course. criminal case ang NBI. civil case ang sum of money.
DeleteSir sonix, makakakuha paba talaga ng NBI? May nabasa po akong comment sa Phil Credit card FB grp " Joey Legaspi may batas sa small claim MTC di ako naka kuha ng nbi need ko daw pumunta sa MTC for clearance "
Deletepunta ka sa NBI sa lunes na.
DeleteIlan yrs default bago po ma garnish? At yung MP2 ko ay ksama sa magagarnish..ksi po nka MP2 po ako nag invest ako. Next year makukuha ko na yung pera plus yung tubo po. Salamat po
ReplyDeleteIt has been very enlightening to read all the advice here. Maraming salamat po to all those sharing their knowledge and experiences. I am a defaulter din po of several banks around 2013. I still receive occasional emails until now, and one is particularly persistent. May I know if a bank or collecting agency can still file a civil case if the debt is over 10 years old?
ReplyDeletekahit beyond prescriptive period, ito pa rin sasabihin sayo. sagutin mo, go ahead and file the case. kahit within prescriptive period, same script pa rin. at the end of the day, pag wala kang pambayad, eh di wala. wait sila sa recovery natin.
DeleteThank you so much for your input po. I became worried po kasi regarding the threat of civil case filing because sa ngayon po, I am financially stable, but I have current obligations for which I issued PDCs and also a home loan (family home) with a developer (non-bank) that I am responsible for, so I cannot afford to pay for additional financial obligations. I just felt worried because the PDCs are funded through a checking account (in another bank where I am in good standing with my savings, credit card, and loan), kaya po nabuhay po ulit yung concerns ko about garnishment in case mag file sila ng kaso despite the default being more than 10 years ago.
DeleteHello po @Garnet, Pano nyo po hinandle ung mga tawag, home visits ng CA?
Delete@banker, pano ko po mapapadala pang Jollibee nyo? 😁
ReplyDeleteAng mga banks po ba ay nagpafile ng BP22 para sa unpaid loans with PDC?
ReplyDeleteNope
Delete
ReplyDeleteDefaulter po ako sa BDO around 18k po. CA po si RGS. At nagtext po sila nito
Dear Client,
This is RGS Recovery Management and Collection Services, Inc., writing for our client, BDO Unibank, Inc. We write regarding your BDO Account.
Please be informed that we will be conducting a personal visit either at your office or residences address to discuss settlement of your outstanding obligation to BDO.
For inquiries, you may call at 0917-848 2156 / 0919-082 4880 or 0919-848 5640. If we do not hear from you within (5) days from receipt of this SMS, our client will be constrained to exhaust all legal and reasonable means to protect its interest.
18K? Kalimutan mo na yan. Unahin mo sarili mo.
ReplyDeleteHi po ask lang po ako if garnishment po ba.. for example si bank C may garnishment na po, then may pera ka po sa gcash.. damay din po ba yun? or account nyo lang po kay bank C?
ReplyDeleteKapag po ba may garnishment ang bank, For Example, kay Bank C may garnishment order po, pati po ba sa Gcash Account kukunin din po ang pera? Or Kay Bank C account lang po?
ReplyDeleteHello po ask lang po if lilipat po ng house need pa po ba paalam sa bank Kung ano new address
ReplyDeleteHi po mga admins, been a PNB defaulter since 2019, around 20k or less. Im sure baka mataas na to dahilsa interest na pinatong na CA's. My friend refered me to this page dahil marami daw pong kagaya ko ang nakamove on, sorry po pero totohanin ba nila yan? prior to this email, nung FRiday nakarecieve ako ng till May 15 daw pede ako makipagnegotiate, tapos ngayong araw may email ako nareceive, which is this email na till today na lang. Di ba po RA 8484 is using fake identity? I usewd my real identity naman nung nag-apply po ako, its just wala na ko sa dating work at address ko, kaya yun yung worry ko, nagkakaso po ba PNB? Im sure marami na po nagtanong nito dito pero pasensya na po sa abala, wala lang po talaga ako pambayad sa ngayon, may summons po ba talaga silang gagawin or ipapadala? thanks po
ReplyDeletePNB CARDHOLDER
This is again from Atty. ****************** of Receivers and Liquidator’s Inc., accredited service provider of PNB. It has been some time since we last communicated regarding the settlement of your account. However, we have yet to receive full settlement from you.
We sincerely hope that you are not evading the settlement of your long overdue account on purpose. Evasion is a fraudulent act, and would be a criminal offense under Rep. Act No. 8484. We know times are already difficult; it would even be worse if one's life is greatly disturbed and inconvenienced by being a party to court action/s. You really stand to lose a lot, so we sincerely do not wish any of this to happen to you. You can avoid all these, but only if you cooperate.
Thus, we are giving you this final chance to amicably settle your outstanding obligation with PNB (Philippine National Bank) within the day from receipt of this letter. If you contact us within this time, we may still be able to give you a BIG DISCOUNT and/or agree to payment in terms. Kindly pay your account at any PNB branch for same day posting or with any of our client's accredited banks or payment centers (GCash or SM payment center). However, if you choose to ignore this just and valid demand, we shall be left with no choice but to proceed to court. The next notice you shall receive would be a Summons.
Please do not hesitate to call our Account Specialist CARL at 8633-8945 /0917-1185764 or email us at rnlp@receiversliquidators.net
IGNORE AT YOUR OWN PERIL. ACT NOW BEFORE ITS TOO LATE!
Any experiences sa home credit cash loan? My God! Para kulang n lng kainin nila ako nakapagpay p ako ng around 4 months kaso i cannot sustain n talaga the payments due to financial issues. What will happen po ba? Ano po ba processo ni home credit crooks?
ReplyDeletemas malala to sila. same procedure yan sa sum of money case filing. pag gusto nila kasuhan ka, eh di go. pag wala, wala pa rin.
DeletePraying for you! Grabe silaaaa talaga huhu
DeleteGrabe talaga cla. In a week they come to the house where i stayed yung bahay ng kapatid ko.. nakakusap nila ung kapatd ko and hinahanap nga ako kasi daw may utang daw ako sa kanila and i didnt pay n daw, my sister asked if hw much n ung utang na d pa nababayaran, and what they did was may pi akita silang papel n gali g daw sa home credit showing my utang, gusto nila na pumirma ung sis ko sa papel which they did not explain kung ano un.. so my sister refused to aign or accept it kasi d nman kanya un. U know what this HC crooks dalawa cla was suddenly furious and sinabihan pa sis ko na isasama daw nila sa kaso kasi tinotolerate daw. My God. They even yelling outside and gusto nila ata n malaman ng buung subd that may utang ako.. jusmiyo. I was ashamed of my sis yet i explained naman lahat. They even told my sis na next time daw na babalik cla may dala n daw clang sulat galing court. Nakaabwesit po talaga cla. I wanted to complain to them pero d kasi nakuha ng sis kk ung mga names ng HC crooks n yun. I was embarrassed and felt frustrated sa nangyari na they have to yell, i just wished na sana mahulog cla sa kanal 😤
Deleteito yung example na dapat di mawala "common sense" natin. pag may pumunta sa house mo na di mo kilala, anong dapat gawin? ask for IDs, personal and office. ask for authorization nila na taga singil sila. this is the only way to know the scammers. take photos sa kanila sa loob ng house mo. pag magwala sila? eh di, hayaan mo ba? tawag ka ng resbak ng barangay o police. sila ipadampot mo.
Deleteagain and again, common sense is important to deal these crooks.
Thank Sir Sonnix.. recently binibombahan po nila ako ng calls but i immediately block all unknown numbers calling to my phone.. and minsan po i switched my phone to plane mode to iwas stress and discomfort sa knila. Would this be okay lng po ba? D d nila ako mareach i am fully stress na po sa knila better to not entertain and avoid n lng muna.. wala pa talaga ako capacity to pay.. better unahin ko n lng muna personal needs ko. At this rate, they come twice in a week sa bahay ng sis ko and d n cla ini entertain gaya ng nangyari before na they caused an alarming scene.. sinasabihan na lng cla na wala n ung tao hinahanap and still agrresive pa rn cla. They even took pictures outside sabi ng sis ko. Sinabihan n po cla na bawal but they still do it. Balahura talaga tong HC.
Deletethey will continue to do the scare tactics if we allow them. i-report sila sa barangay or police. harassment na yan. hehehe
DeleteYung CC ko po sa BPI ay around 150k na at nakareceive po ako ng text khapon. Ano po diskarte? Wala pa po talaga ako pangbayad.
ReplyDeleteHi Mr. / Ms
Kindly be advised that your BPI CREDIT CARD account has been endorsed by Legal Department of SP Madrid for final evaluation preparatory for the filing of a legal case against your good selves.
If this matter has been overlooked, or there are any changes that are to be brought to our attention, please advise us so that we can take the necessary modifications and/or adjustments.
Otherwise, we shall conclude that you do not wish to dispute the situation and we shall make the corresponding, evaluation accordingly.
To prevent inconvenience, call us now at 02 7717 5218, 09399276716 ,09209651639 and look for JORGELINE SORIANO of SP MADRID LAW FIRM
no reply is also a diskarte. kung gusto mo pwede rin ganito "thanks for your message. i will reach out the bank directly once i have the resources to settle. naghihikahos pa kami ngayon."
DeleteSame diskarte rin po ba for digital banks like CIMB revi credit?
Deletesame
DeleteHello po. Defaulter po ako ng CC BPI since 2022. From 200k hanggang umabot ng 800k. Nag pay naman ako monthly installment na 20k a month kaso hindi na talaga kaya sa budget. 3 months na din pong di naka bayad sa monthly installment.
ReplyDeleteNgayon po sinabihan ako ng CA SP Madrid na for case filling na dw account ko and wait nlng po dw ako ng summon.
Ngayon po tanong ko lng if ever mag Garnishing, damay po ba pati Landbank Account ko? Merun po kc akong cheke na pumapasok dun . Ma withdraw ko pa kaya if ever merun akong ipasok na cheke sa Landbank Account ko? Please enlighten me po. I am super depressed! 😭
Good evening po! Stress na stress nanaman ako 😔 kahit ilang beses na nangyayari, ganun pa din ang level ng stress ko... Around 2020 ako na default sa mga cards ko.. May nagpunta sa bahay nmin, kasama brgy.. At nag eemail sa dati kong boss na ipapa dyaryo daw ako at ida drag ang company name... At ngaun tumawag nanaman sila sa dati kong work, master sergeant daw, pulis ganun.. Anu po kaya ang pwede kong gawin 😭 anu po kaya ang pwede ko sabihin sa old work ko.. Grabe sila mang stress..
ReplyDeleteit is your call how to manage the CA crooks. reminders: di kasama ang barangay sa CC debts. di totoo ang magpadyaryo. pag tawagan ng former employer mo, sabihan mo na scam ka. inform your employer na harassment ang ginagawa sayo at you are planning to sue them in court. hehehe. sabihan mo rin sila na pag totoo sila, you are always ready to see them in court. kalma ka lang.
Deletehi po may final notice na po ako file small claims galing kay constantino law office may final investigation po daw sila sa declared address ko at mag file daw ng blotter sa brgy for filing small claim case kailangan pa po ba talaga nila ng blotter ng brgy para maka pag file ng small claim?
ReplyDeleteback read ka lang dito. maraming similar na pambubudol ginagawa ang mga CA crooks. Di totoo yan. walang kinalaman ang brgy sa CC debts. chill ka lang.
Deletebaka po may makahelp sakin madelay yung pagfile ng bpi against the estate of my father who passed away last year. ok lang kaya magbayad ako ng 5k directly sa cc nya para di sila kaagad magfile ng claim? may properties kasi sya na kakatransfer lang ng ownership. 5 months narin walang kumocontact regarding his cc default
ReplyDeletewould you like to pay me instead 2 yumburgers in lieu of your P5,000.00 pabayad sana sa CA? PM me your number.
Delete( that's the problem with most people - tipid sa yumburgers but willing to be scam with CAs lol!)
how to message u po?
Delete