Bakit sa Korte Ang Best Venue Para Ayusin ang Utang Mo:
1. Formal: Makikipag-usap ka sa totoong tao—hindi ‘yung parang si Manong sa kanto na gustong maningil ng utang mo sa gitna ng gabi. Walang harassment dito, chill lang ang usapan.
2. Legal: Sure ka na ang kausap mo ay authorized. Hindi mo kailangan mag-alala sa mga nagpapanggap na "Attorney" o "Major X" na baka sa drama lang pala may lisensya.
3. Fair: Hindi ka pipilitin na magbayad agad-agad. Bayad ka lang kapag kaya mo na!
Kung wala pang pambayad, relax ka lang muna. Unahin mo ang diskarte para maka-survive at makabangon. Walang firing squad sa Pinas dahil lang sa utang sa credit card!
May court decision po ako with BOC. Ganun po ba talaga ini indicate sa decision un name ng asawa? "MARRIED TO ××× ×××÷"
ReplyDeletePero pag ganyan utang naman po ang lable lang naman po di ba eh un cc holder? Pati po ba un sa bank account ng asawa ma garnish?
Ok na po. Nakalagay po defendants ako at wife ko pero sa decision ng small claims name ko lang nilagay. Pag sa small claims po ba na iissue-han din po ba ng writ of execution?
DeleteWhen ka naka-received ng Decision and when din ang Writ of execution?
DeleteAround magkano po yung original balance nyo sa BOC if ok lang malaman? May uatang din po kasi ako sa BOC eh
DeleteNakakatawa naman Credit Collector may court decision, eh napunta ka ba sa korte. Walang legal authority ang CA kapag sa korte. Kung aabot sa korte. Ang Banko representative at ikaw lang ang mag aayos at yung judge na arbiter. May summon muna matangap galing mismo sa korte. Huwag ma stress. fake news yan.
DeleteMay court decision ako with BOC (Bank of Commerce?). Did you see and read the decision?
Deletereceived an email today...
ReplyDeleteano po kaya na naman ito...
or shall again ignore..
thank you..
You may refer to the several demand letters (one of them was with complaint), which were either personally delivered to you by our Legal Representative or thru our private couriers.
As a final gesture of respect to you, our client, RCBC BANKARD SERVICES CORP., thru our Law Firm, is again formally and with serious urgency demanding payment from you of your said unpaid account, with a stern legal warning and advice not to dispose, sell, transfer your real (house and/or lot) and personal (car/s, TV, sala set etc.) properties, which may have been conditionally listed down by our officers and/or not to withdraw your bank deposits and/or your salaries and wages, if any, in the event the civil case for Collection of Sum of Money case has been filed against you and the necessary Writ of Preliminary Attachment has been issued by the court concerned, and then served upon you, in which instance you may be subjected to Contempt of Court, if violated.
Your deafening silence and/or non-response to our said demands indicate your unjustified refusal to pay a just and demandable obligation to our said client.
For settlement, please contact Ms. Pamela Karla R. Jacinto at (02) 8240-9721, (02) 8240-9717, 09190843780, 09088753572, and settle at any RCBC Branch or at any RCBC accredited paying center nearest your place.
Alexis A. Molaer Law Offices
Usual scare tactics.
DeleteTotoo po ba na nagkakaroon ng barangay hearing si CA sa credit card defaulter? Yun po kasi sabi niya sakin kasi sabi ko diko pa masettle then sabi sakin magkita nalang kami sa barangay hearing next week. Ano po ba possible na gagawin or need ko if ever totoo po n amagkakaroon ng barangay hearing?
DeleteI have experience this one. Tinawagan ko ung police na nagtext at kinabahan ako. Then nagcall ako sa certain atty yvette chua, dun na ung kaba at naiiyak nako. Ang ending i paid up 30k.
DeleteHi po.. Ask ko lang po kasi super kabado din ako Molaer din po sakin nakalagay mg Barangay verification po ng address k oras cla bukas kahit napapadalas naman nila ako ng 2 demands letter na.. Totoo po ba na pumunta sa Barangay ang tao po from Molaer? Thank you MB ang card ko
Delete@marklacsom1180 may pumunta po ba tlg sa Barangay from Molaer thank you
DeleteToday is Sep 28, 2024 kakatanggap ko lang ng Letter delivered to my address.
DeleteGanyan na ganyan medyo i was a bit suprised...oh it's a ..send to many ..iniiba lang ang pangalan...kaya lang in paper pinadala sa amin siguro CI kung diyompa ako nakatira...At BER months kaya nabuhay n a naman sila..
Don't be stress. Kalokohan yan. Kapag sa Collection Agency na yan. Commission basis sila. Puede ka mag reply sabihin mo sa korte ka na papaliwanag. Ang Collection Agency ay walang legal basis para mag demanda. Sa CC, o Bank, probable loss yan sa income nila.
DeleteIto pa ang isang engot na akala nya matatakot nya ako.
ReplyDeleteGood day!
Expect our official commo to issue your COURT ORDER (Bench Warrant) on August 16, 2024 together with Sheriff Team to issue Writ of Preliminary Attachment to garnish your real and personal property at your given Residence Address and/or Employers Address. Please be inform for your voluntary surrender to avoid commotion at your area.
TO VERIFY CALL:
Mr. Frederick Samson
Clerk of Court-III
METROPOLITAN TRIAL COURT
hehehehe nakakatawa naman ang panakot out of this world. KALOKOHAN talaga. Kung sa korte padalhan ka nang summons at mag uusap ang kinatwan nang banko at ikaw. Attachment to Garnish hehehehe grabe.
Deletenakakareceived din po ako ng mga ganyan. I have defaulted from my 4 credit cards. D ko alam pero sabi nagdedemanda daw.Gustuhin ko man magbayad dko pa talaga kaya sa kagustuhan kong magbayad sa knila nagkapatong patong sila dahil ang ginawa ko loan dito bayad dito loan ule dito bayad duon. gnun cycle. pati online lending app pinatulan ko na. kakabayad pero wala eh naubos tlg to the point dko po sila kayang bayadan solong nagwowork sa 5 batang nagaaral lahat. d ko na po alam ggawin ko.. mag ffield visitation na daw un loan app saka si cc ko.. Antayin ko daw ung patawag sa barangay which is dun ako natatakot.. ggawin po ba nila iyun. I have no intention of not paying them its just that i have no capacity right now.. ano po ba pede kong gawin. Sobrang stress na ako..
ReplyDeleteHi Unknown scam yan. Tinatakot ka lang nila. Backread ka ng mga diskarte dito super big help talaga.
DeletePag nanggulo sa inyo sila kamo ang ipapa baranggay mo.
Pag wala pa pambayad wag pilitin ang sarili. Makakaahon din tayo.
Huwag ma stress. Ang nga credit card/banko. Nilalagay nila ang nga delinquent or unpaid sa kanilang libro na Allowance for Probable Loss. Ibabawas yan sa income nila at lilitin ang taxes nila.
DeleteHello po, Twice na po ako nakareceive ng attachment thru email na Notice of hearing from RTC branc 69 Nakalagay po F2F or videoconferencing, plaintiff is Banker's Credit Association. Totoo po ba to n sa court n yong case ko? Sana po may makasagot.
ReplyDeleteScam yan.
DeleteCheck mo yung source address ng email.
Paano po masasabe n totoo n po yong pinapadala n court order?
Delete@WorriedMOM - makapal na papel - usually from supreme court nagdadala.
DeleteBakit RTC agad dapat MTC muna nangangamoy scam..
Deletethere is no animal sa Bankers Credit Association.
Deletethere is only BAP.
and individual banks will file a case not an association. lol!
Thank you po sa lahat ng respond nyo.❤️ Nakakagaan po talaga ang website na to. Very helpful po for my mental health lalo na po kapapanganak ko lng.
DeleteHuwag ma stress. Matagal na yang ganyang pangloloko. Simple lang naman kung eh file nang banko. Ang judge ang arbiter ang kinatawan nang banko at ikaw lang ang mag uusap. Wala pa akong nabalitaan na ganyan. Hindi sasayangin nang banko ang gagastusin kaya ginagawa nila. binibigay sa nga Collection Agency. At nag Collection agency ay walang legal authority na mag sampa kahit anong kaso sa korte. means eepal lang sila.
DeleteSa mga may court decisions na, gano katagal bago kayo naka-tanggap ng Writ of Execution or Writ of Garnishment?
ReplyDeletedepende sa legal counsel ng banks yun. with tons of cases filed in court now, baka matatagalan ang proseso. non-performing loans (NPLs) including CC defaults ay mataas, pag magkaso ang banks, na the courts will clog.
DeleteSa experience ko - 7+ years from default ako nakatanggap ng Writ of Execution.
Delete@Distressed67 - Hello po, when po yung hearing nyo at decision at when din po kayo naka received ng writ of exection?
Delete@Sonnixx Haven - kaya nga po eh. si BPI kasi sobrang talamak mag file. Thank you po.
DeleteAko BPI dn eh and sa kanila payroll ko.. 2020 ako default sa kanila and palipat lipat na ng CA. When they go to my house, i refuse to acccept their letters tho d nman ako humaharap hinahayaan ko cla mabulok sa labas ng bahay. Till nw safe pa rn naman just withdraw agad ur salary once credited.
Delete@Monster - lucky for you wala kapa court order.
DeleteSimple lang nga kabayan. Walang legal jurisdiction ang nga Collection Agency. Kaya huwag ma stress. Chill lang.
DeleteAnong garnishement? kung ito ay credit card o personal loan na walang mortaged at simpleng cc default. Hindi yan totoo.
DeleteHi po, may naka experience na po ba dito na nag DEPOSIT SET OFF si BDO? Wala na po ba talagang balikan? 30k po agad ang binawas. Grabeee alam ko po kasama sa terms and conditions pero automatic na po ba lagi yun? ðŸ˜ðŸ˜
ReplyDeletekung nag backread ka sa open posts, you could have withdrawn your funds earlier. if you need to maintain your BDO account, then paunahan ng withdraw or transfer your funds. If not, better close it.
DeleteGood AM po, Sorry confirmed po ba 100% na hndi nagagarnish ang digital banks?
ReplyDeletewala pang na share. most likely, hindi.
DeleteGood day. Kapag ba offsetting na sa savings account ng overdue balance sa credit card. Do they have access sa sss umid bank accnt?
ReplyDeletedi dapat sana. but the crooks have their ways. better unahan na sila mag withdraw if ever may funds ka papasok
DeleteBawal ho yan. Kung mangyari yan magreklamo ho kayo sa Banko Sentral.
DeleteHello po, my nareceive po ako attachment na notice of hearing ang Plaintiff is Banker's Credit association. Is it legit po? Or dapat yong bank's name dapat nakalagay?
ReplyDeletebig scam yan. uso ang budol ngayon. aw, sino nga yun? hehehe huwag na ikaw.
DeleteHello. Good pm. I just want to ask something. So, my sister has a SecBank CC of less than 50k and is already defaulted I think about a year already. Now, she is working as a nurse in Germany and every year she goes home for a 1 month vacation then go back to Germany.
ReplyDeleteSecBank collection agency already texted my sister about filing a case of small claims. But only in text and not in emails. I suggested to inform the collection agency to email her so that it will be monitored and will be well documented.
Now, just in case, SecBank really files a case, will it affect her going in and out of the country as an OFW po ba?
Need help here po kasi she is very worried already.
Shes planning to pay but now shes on a tight budget because kakalipat lang nya nang work dun.
Any comments po ba?
Need not to worry. It won't affect her at all. with the amount, most likely Secbank won't file a case.
DeleteKung kaya naman nang masettle better settle it na. A nurse in Germany can settle this easily.
DeleteThis comment has been removed by the author.
DeleteDon't worry, Hindi mangyayari yang nasa isip mo.
DeleteHello po, may naka-experience na po ba ditong nakatanggap ng Writ of Execution sa court? Legit po ang documents. If so, ano po ang pwedeng advice nyo kse wala po akong pera or assets na pwedeng pambayad. Yung salary ko lang po inaasahan ko at hindi pa yun sapat sa pangangailangan ko. Ano po ang pwede kong gawin after makuha itong Writ of Execution?
ReplyDelete@Distressed67 - may I ask BPI ka rin ba at SP madrid? sino nag dala ng writ of execution mo?
Delete@thelastshot, kamusta po? Nakasuhan ka na ba ng small claims ni BPI? Just wondering po, kasi nakareceive na kami letter from sp madrid bpi din po.
Delete@Stressed daughter- unfortunately, yes. 1 year lang ako defaulted 250k credit limit. :(
Delete@the last shot, umattend po ba kayo ng hearing? May sheriff po ba na pumunta?
Deletepag marami kang oras, attend ka ng hearing. ministerial process lang yun sa daming mas important na court cases. the sheriff will only start working once may writ of execution na. matagal pa yun. diskarte ka muna para makabawi.
DeleteSimple lang fake yan.
DeleteHi,
ReplyDeleteAsk ko lang po if anyone here has dealt with Miralles Law Office? Matino po ba silang kausap or hardcore? Salamat po sa sasagot.
take their calls para malaman mo. overall wala tayong control sa mga CA crooks at sa mga diskarte nila. may control tayo how to manage them more skillfully and shrewdly. have fun
Deletetake their calls para malaman mo. overall wala tayong control sa mga CA crooks at sa mga diskarte nila. may control tayo how to manage them more skillfully and shrewdly. have fun
DeleteHi, question lang po, kapag po ganito ang email address metc1pas154@judiciary.gov.ph ng nagsend ng court order, legit po kaya ito?
ReplyDeleteEto po laman ng message,
Attached herewith is the Initial Order for Civil Case No. M-PSG-24-02894-SMC, entitled "RCBC Bankard Services Corporation v. Juan Dela Cruz".
The records shows that the defendant resides outside the Court’s
judicial region. Accordingly, pursuant to Section 12(c), Rule IV of A.M. No.
08-8-7-SC (The Expedited Rules of Procedure for the First Level Courts),
the plaintiff is hereby ORDERED to serve the summons, together with the
Statement of Claim and the annexes attached thereto, and the Notice of
Hearing, upon the defendant. In serving the summons, the plaintiff is
DIRECTED to strictly comply with Sections 5 and 6, Rule 14 of the Rules
of Court. The failure of the plaintiff to comply with the Court’s directive
shall merit the dismissal of this case without prejudice.
Kung legit po ito, anu po mangyayare kapag di po ako nakapunta? Or anu po kaya ang pwede kong gawin, wala pa po kase akong pambayad at mahigit 700k yung utang ko sa RCBC, Salamat po sa sasagot.
di ka pa ba nadala? legit yan na galing sa CA crooks, and not from the court. but kung galing sa court, eh ano ngayon? best venue nga ang court, di ba. there is nothing you need to do.
DeleteJusmiyo hindi nag eemail ang korte.. crooks yan trying to hook up ur fears. Relax. Mas madami dapat unahin and u nee to prioritize ur needs.
DeleteAnu po bang itsura ng kegit na court order, kase may nagpunta na po dito kanina at napakakapal ng papel na binigay pero ang laman mostly bank statement ng creditcard ko at xerox ng id. Sabi din ng nagdala kung gustonko dw makipagusap tatawagan nya dw at ipapakausap ako, yung usaul na sinasabi ng taga deliver ng CA. Possible CAlang p ba yung pumunta samin? Di ko po kase alam kung legit na galing korte ang binigay samin. And anu pong mangyayare kapag di ako sumipot sa korte, magkakawarrant po ba ako?
Delete@LZAC - Yep court order yan. mag back read ka, marami ka malalaman.
DeleteKahit umattend ka talo ka p rn, wala rn naman un kaht d ka umattend its a paper victory for them.
Deletemetc1pas154@judiciary.gov.ph sabi ni Google email ito ng Pasig Court.
DeleteMay nabasa din ako kaka google na "Furthermore, substituted service of summons can be done by sending an electronic mail to the defendant’s electronic mail address if allowed by the court."
Pero kung wala ngang pambayad maski ano pa yan edi wala din.
@LZAC gaano.katagal ka na nagdefault sa RCBC?
DeleteHuwag maniwala, lumang tugtugin na yan. Fake yan.
DeleteHuwag maniwala. Matagal nang lumang tugtugin na yan.
DeleteAno na po nangyari dito? Nag progress po ba? Makikibalita lang po
DeleteHi, may nareceive akong new credit card from union bank.. Nagtataka ako bakit kya ako pinadalhan eh meron akong bad record from citibank? May nka experience ba sa inyo n pinadalhan din po ng union card?
ReplyDeleteCould be Migration card from Citi to UB. Check mo if magagamit mo, sakin kasi nag padala sila rewards card pero nag rereflect pren Citi balance ko, kaya di ko magamit
Deleteask kolang po kung hindi maka attend ng hearing ng small claims sa credit card, ma iisuehan poba ng bench warrant?
ReplyDeletesame results. of course, talo tayo kasi may utang tayo. the catch - kung wala pang pambayad, at wala ka millions sa bank or properties under your name, wala pa rin yun. it is pay when able, or never. the banks know this. it is always a gamble on their side to file court cases. after all, dagdag expense yun sa kanila.
Deleteagain, best venue pa rin ang court. kung may problema ka nito, see you in court na lang. 😊
Thank you po mam sonnix haven sa nakakarelax na reply, advice konalang din po na kapag may court hearing na, attend po tayo at wag po nating balewalain, kase po a friend of mine na detain ng 4 days dahil sa bench warrant, kaya po ako kinabahan, pero under BP 22 po kase ang kaso nya at indi sya naka attend ng hearing at wala syang na received na notices, as of now back to work na sya pero nakaka trauma din ang mga ganitong situation, Just sharing lang po for our awareness.
DeleteWalang warrant. Talo ka p rn kaht aattend ka. If wala talaga capacity to pay, unahin mo na lng muna priorities mo sa buhay.
DeleteBouncing check po kasi yan, wala naman po tayong checke na binigay.
DeleteThank you po sa mga replies na relieved po ako ilang araw din akong naparanoid baka kase ang mga bank nag file na ng civil case wala lang akong narereceived na notice yung iba kase tahimik na ilan nalang ang tumatawag, 3 years narin po akong in default sa mga cc ko at medyo malalaki po ang balance. Nalugi po kase ako sa business since pandemic and still struggling parin financially kaya hindi pa kayang mag settle sa bank.
DeleteHello @miss night & day, ask ko lang anung mga banks ka cc defaulter? ako kasi 2 yrs na ring defaulter sa 6cc ko , bpi,union,metro and pnb at malaking amount din sa bpi ako kinakabahan kc base d2 sa nababasa ko bpi ang malimit mag file ng case.
DeleteHello po @miss night&day, hm po ang pinakamalaking default amount nyo po?
DeleteHello po question lang po pag lumipat po ba ng bahay need pa paalam sa bank or okay lang na hindi na po? Will it harm me ba or may case sila na ifile pag di sinabi sa bank?
ReplyDeleteNo need. Let them do their job(crooks) na hanapin ka. But it doesnt affect kahit lumipat ka sa Mars. (Jk)
DeleteAsk ko lang po if totoo na nagkakaroon or nagcoconduct ng Barangay Hearing si CA? Tinawagan po kasi ako today at sinisingil ako sabi ko po wala pa po ako pambayad. Then sabi wala daw talaga ako balak magbayad tapos sabi niya magkita daw kami sa barangay nextweek fro Barangay Hearing na icoconduct nila. Totoo po ba yun? If ever totoo po, what are the possible ways na pwede ko po gawin or hingin sa kanila before we attend that barangay hearing? Please advise po. Thank you.
ReplyDeleteHindi. Ignore and prioritize ur needs.
DeleteBawal makialam ang barangay sa usap nyo ng bangko.
DeleteMr/Ms. , despite several attempts to convince you to make PAYMENTS to your SECURITY BANK CORPORATION (Credit Card) account with balance amounting to 214,847.63 , you still failed to make the necessary payment/s required from you. This will force us to apply all the necessary legal actions applicable from the terms and conditions that you have signed prior approval of your account with our client. Pls. be reminded that this is your obligation and is required to be paid off months ago. Pls. find a way to SETTLE. Settle at any SECURITY BANK CORPORATION Branch today. Should there be any concerns, call us at 271218512 / 09452213174 / 09552875965 "If payment has been made, please disregard this text". Thank you.
ReplyDeleteTO REPLY TYPE (SB) SPACE (NAME) SPACE (YOUR MESSAGE) AND SEND TO 225687.
Received ganito po sms, wala talaga capacity to pay since na lay off sa work. Medyo madakas din po kasi sila mag send at tumawag. Salamat po
Ignore. And move on.
DeleteIto bago lang, mainit init pa.
ReplyDeleteThis 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.
Date Schedule: September 20, 2024
Scam.
DeleteSa OLA mga bopols na agents basanag-basa script na ganyan...copypaste send to many..
DeleteHello po, totoo po ba Toh? Ano need gawin?
ReplyDeleteGood day, this is to advise you that the plaintiff has filed an execution case against you for both civil and criminal violation under R.A. 8484 (Access Devices Regulation Act of 1998), Article 315 & 318 Deceit, and 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 17th of September, 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 09068796445 and look for Atty. Tony Robles (Mediation head).
Note: Kindly request for your Dismissal Order to be submitted to the Mediation Department office until today before 2:00 PM. 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.
Wala pakialam ang employer mo sa usapan nyo ng bangko. Scam yan.
DeleteThank you po sa reply🥹
DeleteAng babaw naman nang pananakot nila. Basura yan at huwag intindihin.
DeleteHello po..tanong ko lang if meron ng filed case sa Court, pinapadala ba ng RTC thru postal office? kasi I received a postal card notifying me to claim the letter at nakaindicate "RTC Branch XX letter".. medyo matagal tagal na rin nanahimik si CA. Surprising lang kasi, seldom na rin akong nakakatanggap ng emails and messages from them. Would it be okey if hindi ko iclaim 'yong letter?
ReplyDeleteBakit mo naman icclaim? Bayaan mong sheriff ang mag serve.
DeleteDaming scam ngayon.
Tinatamad siguro si Sheriff mag serve ng notice kasi wala rin silang makukuha. Hehe... Kaya nga po hindi ko na iclaim baka isang bluff na naman ito ni CA. Thanks po.
DeleteMedyo malulupit ung mga paandar natatanggap ko sa mga maniningil. Nung una pupunta raw sila sa barangay may pulis pa raw kasama etc.etc dedma lang ako.
ReplyDeleteNgayon naman kinuha ung logo ng people's journal at nag attached kuno ng letter na nandun pangalan ko pati employer at address ng work ko at by Sept 20 ipa publish dun for 3 consecutive days na may kaso raw ako na estafa, at kung ano ano pa.
Notice is hereby given that (my name) together with the ( company's name) has a pending violation from a private lawyer and paid an advertisement “NOTICE TO THE PUBLIC”
List of violations:
1. Article 354 (Presumption of Malice)
2. Article 315 (Swindling/Estafa)
3. Republic Act (RA) 8484 (Access Device)
Public Notice Format for Public to know -
THIS IS TO INFORM THE GENERAL PUBLIC THAT NAME: (MY NAME)
COMPANY NAME:
WHO’S PICTURE APPEARS ABOVE HAS A PENDING VIOLATION OF ARTICLE 315-354 AND BLOCKLISTED TO THE NATIONAL BUREAU OF INVESTIGATION(NBI) WITH IMPRISONMENT OF 6 TO 12 YEARS, AND WILL BE PUBLISH FOR 3 CONSECUTIVE DATES (DEPENDS ON WHO PAID).
DO NOT TRANSACT WITH THIS PERSON!
Pls dial 0965-031-0795 and look for ALEX MATIAS of advertising for verification.
From C.A. crooks lang din po pala Yan?
DeleteGood day hahanapin ba nila profile sa Facebook?
ReplyDeletesa lahat ng socia media accounts. and they will contact our circle of friends, inform them that if they know us and we should inform them the legal office chuchu. best strategy - lock all your social media accounts, and find ways to reduce your digital footprints. yan, ang mga hunghang.
Deleteneed ko po ba mag reply ? sorry if still asking nag backread naman na ako just want to make sure salamat
ReplyDeleteGood day!
We would like to inform you that we already received our requested Certificate of File Action. So that we can file a case for your unsettled account. Negligence and Breach of Contract, and if you will continue not to negotiate or at least to communicate with us. We will also proceed to file an complaint via (Violation of Anti fraud Law under R.A of 8484). They will issue a certificate of File Action. to allow us to file a case against you at your City Trial Court. Please wait for your Demand letter and arraignment date for this matter.
If you would like this problem to be ignored, please provide your phone number so we may talk to you about the account settlement and steer clear of it.
Thank you
no need. old script. no bearing at all.
DeleteMelay
DeleteYan po yu email. Sinama po name ng asawa ko.
Melay
ReplyDeleteCREDIT CARD ACCOUNT NUMBER: xxxxxxxxxxxx 4596
CREDIT CARD ACCOUNT NAME: _________ /Spouse , ___________
TOTAL PAY OFF AMOUNT: Php 1,962,977.44
DUE DATE: September 26,2024
This letter serves as a final ultimatum regarding your outstanding balance on your Credit card Account with us. Despite repeated reminders, the account remains unpaid and is now significantly overdue.
You have had ample time to settle your account with us. Given your ongoing refusal to pay, we believe that pursuing legal action is a justified and necessary step.
Failure to comply with this deadline will result in a complaint being filed on September 30,2024.
For assistance, kindly call us at (02)8538-6402 / 7717 5218 / 09209832793 Viber: +639217361734.
Thank you.
Marissa Vinoya
Sr. Legal Officer
S.P. Madrid & Associates
S.P. Madrid & Associates
Cel. no:
17th Floor, Chatham House, Bel-Air Salcedo Village, Makati City.
This e-mail message (including attachments, if any) is intended for the use of the individual or entity to whom it is addressed and may contain information that is restricted, privileged, proprietary, and confidential. It is exempt from disclosure. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution, or duplication of this communication is strictly prohibited. If you have received this communication in error, please notify the sender by reply email, and, for security, kindly destroy all copies of the original message.
so anong problema mo? typical CA crooks letter lang to. walang mangyayari sayo. read the title of this thread.
DeleteTanong lang po, tama po ba na mag lagay ng FOR CASE FILING sa labas ng letter envelope yung pinapadala ng mga Law firm daw? Grounds po ba yun para mareklamo sila sa BSP?
ReplyDeleteIf ipinaalam sa ibang tao other than you then IMO it touches on a possible violation of the Privacy Act and also sa Unfair Collection.
DeleteIm not a lawyer.
Huwag maniwala. lumang estilo na yan. Ang Collection Agency ay walang legal basis na mag demanda. PERIOD.
DeleteGood day ,ask ko lng po deliquent po ako sa ibang bankd credit card pero may active bank account ako sa bpi f mag apply ba ako ngcredit card sa kanila may posibility po bang ma approved ako f mag dedeposit po ang kapatid ko ng money sa account ko like 20k lang
ReplyDeletetry mo lang. baka swertehin ka pala. maraming nag share na nakakuha pa sila kahit defaulter pa sila. ang iba nga, kusang pinadalhan.
DeleteKapag CC defaulter na ho. Naka red flag na. Means black listed na kayo sa nga banko / CC at iba pang nagpapautang.
Deletegood day admin and sa inyo po lahat.. Kanina po RTS collections pumunta sa bahay ng parents ko kasi old address ko nagkataon andon ako so sinabi ng tatay ko.. Sa taranta ko nireceive ko un sulat.. Then mamaya bumalik uli tinawag uli ako ng father ko.. Aba ang gusto ay kausapin ko daw un boss nya sa phone sabi ko ayoko dabi nya binibintangan ko daw sila na scammer at recorded daw ako sabi ko wala ko sinasabi ang dabi ko sayo harrassment na ginagawa mo na pagpilit sakin at picture-an ko I'd mo ikaw dapat ireklamo sa BSP.. Sabay sabi ko tama na di ko makikipag-usap sa inyo.. Paalis sya ang lakas ng boses nya habang kausap nya boss nya daw sa CP..narinig nga cguro ng mga tao at tindahan sa labas sya. Nakaka depress..Ano po maganda gawin bumalik po kaya sila na mas mangpahiya o tama lang po un sinabi ko na harrassment po ginagawa nila thank you po
ReplyDeleteMelay
ReplyDeleteRESPONDENT:
______________
LOCATION:
________________
NOTICE: Court order/Bench Warrant
Kindly advise to expect our official commo to issue court order, on October 11/12, 2024
for CONCERNS, advise to coordinate at Cavite PPO
Contact as: 09455085452
Look for Warrant officer- PCMS. Dante Villegas.
salamat sa assistance . Barangay Capt. _________
Yan po first time na nag send sa Mapitan namin nag papa assisst. Medyo kinabahan pero dati ko na nbasa n may ganyan kunwari. Kya lng un binulabog pa ang kapitan namin.
Already na ksalai po ako sa EB Virtual. Salamat po
Hugaw maniwala. Simple kalokohan yan.
Delete@Melay, ano pong update? may nangyari po ba na virtual call? And pinuntahan po ba talaga ang brgy. Captain nyo?
Deletemay tumawag po sa barangay namin may kaso daw po ako. yung device law chuchu and breach of contract daw po. taga NCR PO daw po siya. nagfile daw po yung atty nung 2020
ReplyDeleterealtalk! eh kung may kaso ka nga, anong pakialam naman ng barangay dyan. sabihan mo ang barangay, maraming scam ngayon. huwag idamay mga sarili nila. sabihan mo papuntahin mo sa barangay ang tumawag para magka alaman na. hahaha
DeleteAnong pakialam nang brgy dyan. Bawal sa Banko Sentral ang ganyang pang mamalabis sa paniningil.
Deleteis it real po? yung mga tumatawag na may criminal case daw ako na nafile nung 2020 pa. and never nakareceive ng demand letter. never ako umalis ng residence. and sabi is pulis daw po yung kumausap sakin. Dapat daw po magfile ako ng TRO.. mejo praning po ako.
ReplyDeletedapat ikaw ang mas nakakaalam kung "is it real po?" may pinatay ka bang CA crooks dahil sa inis at galit mo? yung, criminal case yun. budol ng CA crooks yan. sabihan mo ang tumawag sayo na sa police station na kayo magkita para diritso blotter mo siya. huwag mo sayangin energies mo sa mga ganito. dumiskarte ka sa buhay.
DeleteThank you so much po. When the caller said na pulis siya and that i have a criminal case sobramg kinabahan po ako.. pinapaexplain ko naman po anong kaso ko. Ipinapasa po ako sa atty. na nagfile. kay atty. antonio castillo daw po.
DeleteAng utang sa Credit card o sa Banko katulad nang personal loan ay isang civil case. hindi yan criminal case. maliban na lang kung bouncing check.
DeleteIve experienced this one actually. Last September 10. The day I cannot forget. I got carried away with fear. Pulis din, theb referred me to Atty Yvette Chua, RCBC. I paid 30k, hard earned and my savings for education of my daughters. Hahay.
ReplyDeletehahay talaga. you could have read the diskartes here. yung ganyang payments, mabubura lang yun if di mo naman ma sustain. now you know better.
DeleteButi nalang po i found this thread. I hope one day masettle ko din cc debt ko. but now magfocus muna ako sa pamilya. my son and daughter needs me so magpapakatatag po ako. Thank uou po sa mga nagrereply dito.
ReplyDeleteGood day! Just to share...
ReplyDeleteBagong modus po ni cc crooks ngaun ay tatawag sila sa office na pinagtatrabahuan mo and informing ung makakasagot ng call na nag apply ka ng loan sa isang bank.. its a bait, i was called to answer kasi nga daw may loan akong sa isang and out of my mind i amswered and talked, to find out it was a collection agency, buti n lng napaisip at nasagoy ko agad na i was not the one they are looking for, sinabi ko na kasamahan nya wto.. i told them n call in her number not the company landline f nagapply talaga ng loan. My Goodness.. iba dn mag isip c CA ah, mumtikan n ako don. Ingat mga peeps. Its how they do now.. be aware lng po.
good call on your part. marunong talaga ang mga crooks. so dapat madiskarte rin tayo.
DeleteIs it ok to ignore po yung email ni MB collection about my debt amounting 450kplus total with interest na yan. I know malaki but alam ko po nasa 150k up lang po Casg2go and bal conversion total ko. Nagpalaki interest po. Kakadefaulted ko lang tong oct. April to july puro min amount due na lang kasi kaya napupunta lang sa penalty which is why dinefault ko na. Should I ignore it kasi di ko sya kaya bayaran for the mean time and just wait na lang po sa offer na mababa ni MB na lang? Nagooffer po kaya si MB ng mababa pa to close/settle the account.
ReplyDeleteok lang yun. pag wala pa talaga. sagutin mo ang mga calls if alam mo makipag usap sa kanila. ang gagaling nito sa harassment makipag usap. madadali ang peace of mind mo. hehehe
Deletehuwag ma stress. Kapag nasa Credit Collection Agency na yan. Commisssion basis sila. Wala silang legal auhority na mag demenda.
DeleteMr courage and sir sonnixx thank you po. Kahit papano nababawasan po iniisip at nagkakapeace of mind po ako dahil dito sa page ng diskarte.. Sa ngaun i plan to ignore it as long as i can muna dahil baka mabaliw ako pag kinausap ko pa sila.. Wait na lang po ako sa offer ng mababa yun kaya ko. Sa ngayon needs ng family mona..
ReplyDeleteKung mag offer na amnesty o ibaba ang bayarin. Sayang lang ho. Bayaran o hindi. naka red flag na ho nga defaulter, means hindi na puede mag loan sa nga financial company at CC. Ilaan na lang sa pamilya at makinabang pa kayo.
DeleteMay utang po ako na worth 9M from 5 credit cards dahil nagkalugi lugi ang mga negosyo at bumagsak mga investments. No assets, no cash, only mortgaged house na ililipat sa pagibig. Madedefault na po by nov-dec. Ano po ieexpect sa same situation ko na malaki ang utang? Bukod sa calls from collection.
ReplyDeleteHello po, same po tayo ng situation defaulted 4.5M from 5CCs same reasons din po. Ano po nga CCs nyo po?
DeleteHuwag na ho kahit mag offer. Kung babayaran ninyo. Yung credit history ninyo hindi na magbabago. Kahit mag apply kayo new cc or mag loan. Malabo na ho kayo magbigyan. Itabi ninyo ang pera at gamitin sa pamilya kesa pag kitaan pa kayo nang CA. Unang una wala naman yan na mortgage kaya nga laki nang charge at kung ano anong interest pinapatong kaya tubong lugaw ang nga CC.
ReplyDeleteOkay po. Thank you po advice sir mr courage..
DeleteHello po may na default na din po ba dito kay Acom so far may defaulted amount akong 49k sa kanila. hindi ko na po kayang i sustain yung monthly na 4k plus tas ang nababawas lang sa pinaka loan amount ay 2100. ilang months na po akong below minimum ang binabayad. And nasa third party na yung account ko panlilio yung ca medyo grabe kasi yung email na nag tatago daw ako sa utang and mag sched daw sila ng brgy meeting which is alam ko namang hindi totoo. nag fa file ba sila ng case? salamat po
ReplyDeleteBack read ka po. Big help po ang pagback read.
DeleteHuwag ho matakot, walang legal authority ang brgy. kung makausap ninyo si Collector agent sabihan na bawal yan sa Banko Sentral. Simpleng harassment yan. DEDMA ninyo na lang para walang stress. Huwag na ho magbayad lalo na yung sinasabi na amnesty program. kahit bayaran ninyo yan. Hindi na rin ma activate ang cc ninyo at hindi na kayo maka apply dahil naka ref flag na ho ang nga defaulter.
Deletenabasa ko lang to. is this true?
ReplyDeleteStatute of Limitations on Credit Card Debt
One of the most important legal concepts to consider regarding long-overdue credit card debt is the statute of limitations. Under Philippine law, the statute of limitations for filing a lawsuit to collect credit card debt generally falls under the category of written contracts. According to Article 1144 of the Civil Code, actions based on written contracts must be brought within ten (10) years from the time the right of action accrues. This means that creditors have ten years to file a lawsuit to recover unpaid credit card debt.
However, it is important to note that the statute of limitations can be tolled or interrupted under certain circumstances, such as when the debtor acknowledges the debt or makes a partial payment. In such cases, the ten-year period may restart, giving creditors additional time to take legal action.
Up
DeleteLibo libo ang credit card defaulter, wala nang time ang nga bank or credit card company. Charge lang nila yan sa Allowance for Probable Loss. Naka red flag na kaya hindi na puede mag apply sa nga bank loan or apply for another credit card.
Deleteyung sakin 2010 pa nagdefault east west. tapos last month biglang nag email CA. automatic directed to spam folder sila. grabe. almost 500k ung quoted balance and to think na 20k lng credit limit non. tapos offer nila once-off payment nga 71k. deadma na. magfile sila case if they want. nagrrquest din ako credit report sa Trans Union. di sila lumalabas sa record ko. ang andun lang is ung HSBC na nakalagay open pa rin. e 2010 pa rin nagdefault un.
DeleteOh and even with those records, naapprove pa rin ako sa atome, maya easy credit, and billease. yung billease nga 50k pa limit. pero this time, minemaintain ko na responsibly ung accts na un
DeleteHi question sa mga nag request po ng credit report sa transunion.
DeleteNag request po kasi ako ng credit report last month. lumabas dun ung mga default cards ko. out of 7 accounts 3 dun ay naka note na closed pero wala pa settlement na nangyare. ano po ibig sabihin nun ?
May nareceive na din ako ngayon. Pero d nako mag aanxiety dito. I learned my lesson.
ReplyDeleteThis is to inform you that a Bench warrant against you and warrant of seizure to sheriff and GARNISH your BANK DEPOSITS / LEVY your personal and or real properties will be served if you failed to coordinate regarding complaints of Civil Case and Criminal Case. You have a mandatory 24 hours to coordinate, otherwise we will send you to court immediately. We will coordinate with the NBI together with the City Police and Local Barangay for assistance.
Despite repeated demands, both written and verbal, you failed, neglected and refused to fulfill obligations without just and valid grounds to continue damage and prejudice of the plaintiff.
Expect Legal Team and NBI Official with the participation of the Police Capt. Mendoza, anytime to your house.
Contact your complainant Atty. Antonio Villaflor at 0985-7713-481 for proper coordination. Full extent of the law shall be applied against you by the plaintiff for the relief requested in the accompanying complaint.
great, at hindi mo na sinayang ang energies mo para mag anxiety pa. expect many more similar letters.
DeleteGrabe naman yan NBI at may LISPU NA KAPITAN. KATANGAHAN NAMAN YANG CA.
Deletehello po. nakareceived po ako ng NOTICE OF DEMAND TO PAY at WRIT OF EXECUTION, magkasama po sa isang sobre. in reference po ito sa BPI na di ko nabayadan. may part po dito nakalagay na, IF DEFENDANTS CANNOT PAY ALL OR PART OF THE OBLIGATION, YOU SHALL LEVY UPON THEIR PROPERTIES OF EVERY KIND AND NATURE WHATSOEVER, WHICH MAY BE DISPOSED OF FOR VALUE AND NOT OTHERWISE EXEMPT FROM EXECUTION, GIVING SAID DEFENDANTS THE OPTION TO CHOOSE WHICH PROPERTY OR PART THEREOF MAY BE LEVIED UPON; IF THE OPTION IS NOT EXERCISED, YOU SHALL FIRST LEVY ON THE PERSONAL PROPERTIES, IF ANY, AND THeN ON THE REAL PROPERTIES IF THE PERSONAL.PROPERTIES ARE INSUFFICIENT TO ANSWER THE DECISION
ReplyDeletehmmmp. I am 100% sure galing to ng CA crooks. di ganyan ang galawan ng court. nag file na ba ng case ang BPI sayo?
DeleteIbang klase naman yan. Kahit sira ulo hindi maniniwala dyan. Don't worry, hindi ho yan totoo. Civil case ho ito. kung sa korte representative lang ng company at ikaw. may arbiter sa korte. Huwag ho ma stress. Disregard ninyo yan.
DeletePersonal properties? May pangalan mo ba mga gamit mo sa bahay? Pano malalaman ni sheriff na sa yun?
DeleteSabi mo nga u received a NOTICE OF DEMAND, So san galing un? Dont tell me inabot lng sayo bastax2 ung notice na yan from someone? From court? For aure from crooks. Check carefully, madeskarte dn mga crooks ngaun, dont fall in their bait. Kung madeskarte cla, mas lalong maging madeskarte.
DeleteYes po, nagfile napo ang BPI ng case against me..
ReplyDelete@worried mom - may I ask kelan ka nag ka hearing at court decision?
DeleteAnong file? ang korte magbibigay sa iyo summons or subpoena,. ito ay civil case kung totoo yang sinasabi ninyo. Arbiter ho ang judge at ang lawyer at kayo lang ang mag uusap para ayusin. kalokohan ho yan. Hindi ho puede mag levy dahil wala kayong mortgage na pinirmahan. Huwag ho basta mag paniwala. kung meron nakalagay na RTC no. puntahan ninyo at magtanong. 2 letter sa isang sobre grabe naman ang Collector nyan. zero credibility.
DeletePaano mo malaman nag file ang BPI, Ang korte ang magbibigay nang summon at hindi kung sino sino. Kung kanino mo lang yan natangap, kalokohan yan nang Credit Collector. Kung sa korte isang lawyer nang banko at ikaw ay pag aayusin nang arbiter/judge para matapos ang ma solution ang problema.
Delete@Worred mom - mas okay sana kung buo yung kwento, so since nag file na sayo si BPI ng case, for sure next jan is writ of execution which is expected na talaga after the release of the decision. Kelan ba sayo nagka decision?
ReplyDeleteTanong lang po. What if kasuhan po kayo ng banko tapos may summon po ang korte at hindi kayo sumipot, ano po mangyayare? Bukod sa paglalabas ng korte ng writ of execution. Salamat po
ReplyDeleteHello, may nakaexperience na ba dito na may payroll account at defaulted card kay Metrobank tapos automatic naoffset yun funds sa payroll account?
ReplyDeleteGood morning po I need your advise who were dealing with collectius kung ano po ang dapat ko gawin eto po ang letter nila
ReplyDeleteDespite of several notifications and calls of CITIBANK (Collectius Philippines) who handled your Unpaid Account, Until now we have not seen any intention that you are willing to settle amicably. We hope you do not have the intention to defraud this matter.
We shall expect your feedback within 24 hours otherwise, you will give us no other recourse but to file possible necessary legal charge/s against you to protect the interest of our client Collectius Philippines.
Eventually, you will be left with no choice but to face legal consequences of your inaction, Legally and Morally. Not to mention the incriminating fact that you have not initiated any effort to act accordingly, as gesture of respect to your CREDITORS. Your delayed payment caused damage not only to the business but to those valued clients which money you have willfully benefited the privileges.
If still no response on your end, we will forward your account to our Field Department to conduct an OCULAR VISIT to your HOME ADDRESS: and to pay your Total Outstanding Balance: Php 198,480.67 but if you are willing to pay your debt were giving an AMNESTY PROMO of Php 102,293.24 until OCTOBER 24,2024 only.
Deadma. Ganyan naman lage na vvisit kuno sabihan mo antayin mo cla ay magkape kau.
DeleteTanong mo kung kailan at magkwentuhan kayo sa buhay buhay. ignore lang bossing, ilang taon na ako nakakatangap nang ganyan lol. Basang basa na ganyang pananakot.
DeleteSalamat po sa advise, follow up question po... Kailangan ko po ba mag reply kase baka sabihin nila nagtatago ako gusto ko naman po magbayad kaso sa ngayon diko po tlga kaya namatayan ako ng asawa at may pamilya akong umaaasa sakin. Nag attempt po ako dati sa citibank makipag usap kaso nirefer ako sa CA. Grabe po makapag lait ng pagkatao ko kaya mula noon pag may naghahanap sa name ko diko agad binibigay pero sabi pwede daw ako kasuhan RA 8484 sa pagtatago ko at diko pag update ng personal information ko..tulad ng new company san ako nag work new contact info.. pwede nyo po ba ako tulungan at bigyan ng linaw tungkol dito. Thanks in advance
DeleteGood day po, anyone familiar with RA 10142? Sa kakachat ko kay Meta AI tungkol sa mga defaulted cards ko na mention niya yan. Aabot siguro ng 800k yung combined defaulted cards ko pero makakabayad ako bka in 3-4 years pa kaso lulubo lang ang amount. Government employee po ako at net pay ko now is only 5k. Nkapagpatapos namn ng 2 college pero di pa stable mga work at may 2 pa ako anak sa college at high school single parent po ako kaya sa capacity ko in 3-4 years pa ako maka pag bayad or negotiate ng bayad. Ngayon, i ignore ko lang muna yung mga emails & threats nila? Salamat po sa makakasagot.
ReplyDeleteYes u can IGNORE them all. At if wala talaga capacity to pay, unahin mo needs mo sa buhay.
DeleteHuwag ma stress. Simple lang ang ginagawa nang banko lalo na sa credit card na na default. Maglalaan sila ng pondo para sa Allowance for probable loss. ibabaw yan sa income nila. Kung may tumawag o kumausap sa iyo na dedemanda ka. okay lang sbihin mo sa korte ka na magpaliwanag. Libo libo ang nga kaso sa korte at yan ganitong kaso hindi na yan pinapansin. Gagastos lang sila kaya nga sa nga Collection Agency na lang binibigay. commission basis ang kita ng CA
DeleteMaraming salamat @Monster & @Mr. Courage
DeleteHello po, how about po yung ganitong email, SUBPOENA po nakalagay tapos me seal ng MTC sa dulo, nakakakaba naman po yung criminal procedure na sinasabi.
ReplyDeleteMetropolitan Trial Court Sheriff 63 BRANCH
Makati City Hall Bldg. 1, cor. F. Zobel St,
J.P. Rizal St. Brgy. Poblacion
Makati City
National Prosecutors Service
Office of the City prosecutors
ATTY. LEO B. DELFIN
Complainant/s,
Versus
Respondent/s,
SUBPOENA
FORM NO. 1 (COMPLAINANT)
TO:
ATTY. LEO B. DELFIN
#19 CD, 19F CITI TOWER, 8741 PASEO DE ROXAS, MAKATI, METRO MANILA
You are hereby required to appear before the undersigned at the Ground Floor, Makati City Hall RM 907 538 801 AA Bldg. 1, cor. F Zobel St. J.P. Rizal St., Brgy. Poblacion, Makati City, on OCTOBER 24 & 25, 2024 AT 10:00 AM in the preliminary investigation to be conducted on the above-entitled case.
FORM NO. 2 (RESPONDENT)
Pursuant to Section 3 (b), Rule 112 of the Revised Rules on Criminal Procedure, you are required to submit your counter-affidavit and other supporting documents and affidavit of your witnesses, if any, to be subscribed and sworn to before the undersigned, any Prosecutor, State Prosecutor or Government official authorized to administer oath who will certify that they voluntarily executed and understood their affidavit and to appear on OCTOBER 24 & 25, 2024 AT 10:00 AM at the Ground Floor, Makati City Hall RM 907 538 801 AA Bldg. 1, cor. F. Zobel St. J.P. Rizal St., Brgy. Poblacion, Makati City, and then and there to testify under oath or answer clarificatory questions
Witness my hand this 3rd day of August 2024, In Makati, Metro Manila. Feel free to call us at 09525675393 for questions and assistance.
Metropolitan Trial Court Branch 63
Contact number: 0952-567-5393
Email Address: makatibranch63@gmail.com
Court ba tapos domain GMAIL? LOL. OLD script ng crooks at kelan p ba nag eemail ang korte? Lokong crooks talaga ahahaha
DeleteNakakakaba din po, napa search ako nag-i email din ng subpoena pero ito kase walang case details or number, napa email tuloy ako sa METC Makati yang branch 63, personal din ang email saka contact no. na ginamit kaya napaicip din ako
DeleteIts their tactics to trigger ur fears kaya wag padala at maging madeskarte rn.
DeleteThis comment has been removed by the author.
ReplyDeleteAng babaw naman nang pangloloko sa iyo. Sa korte ang magbibigay sa iyo nang Summon kung may nag file at hindi yung Collection Agency. At sa korte, arbiter ang judge para maayos kung kaya mo bayaran. Huwag ma stress.
ReplyDeleteHello Anyone na naka experience na nireceive letter from Enzi Corp letter said final demand umabot na ng 747k bpi cc debt ko included yung mga charges 1yr na ko delinquent kay BPI gusto ko naman magbayad ilan beses na ko nakipag nego sa BPI nung active pa cc ko hindi din ako pinagbigyan. ano po dapat gawin ko mas okay po na sa court ako makipag usap? tama po ba na tinanggap ko yun letter sinabi pero sinabi ko na hindi ako yun hinahanap nila nag panggap ako na ibang tao.sa ngayon po kaya ko lang talaga ay 5k a month since i have college daughter na pinag aaral and yung isa po ay elementary student po .
ReplyDeletelate reply. Don't worry. sa dami kong kilala na milyones ang delinquent sa ibat ibang credit card/bank at isa na ako dun. Never ako nagbayad sa nga Collector Agency. Puro pananakot lang yan. Simple lang ho ang Banko meron sila dyan Allowance for Probable Loss, means ibabawas nila yan sa income tax nila. Huwag ho kayo matakot sa nga Collector, hindi ko yan pinapansin. Itabi ninyo ho ang pera at gamitin sa pamilya.
DeleteHello Anyone na naka experience na nireceive letter from Enzi Corp letter said final demand umabot na ng 747k bpi cc debt ko included yung mga charges 1yr na ko delinquent kay BPI gusto ko naman magbayad ilan beses na ko nakipag nego sa BPI nung active pa cc ko hindi din ako pinagbigyan. ano po dapat gawin ko mas okay po na sa court ako makipag usap? tama po ba na tinanggap ko yun letter sinabi pero sinabi ko na hindi ako yun hinahanap nila nag panggap ako na ibang tao.sa ngayon po kaya ko lang talaga ay 5k a month since i have college daughter na pinag aaral and yung isa po ay elementary student po .
ReplyDeletegood afternoon sa lahat, sorry agad if mahaba but sana may pumasin huhu first time kong magtanong dito at after kong magbasa ng ibang mga questions, nagkacourage na rin ako dala na rin ng takot, kaba at overthinking, na magtanong. bale may mga personal loans kasi ako sa east west, security bank at citibank. defaulted na sila since 2020. siguro kung pagsasamahin yung eh nasa 2M na rin. maraming financial struggles na pinagdaanan kasi and recently, di ko lalong mabayaran nang magkasakit ako at inadvise-an na magkidney biopsy. worried po kasi ako na baka mauwi rin sa pagkaso sakin tulad ng hsbc (civil case), worst ung estafa kasi may checks na nagbounce kasi wala na akong panglaman noon. at saka, regardless of the reason kung bakit hindi nakapagbayad, criminal case na ba ang charge if may checks na nagbounce? at best way to do po to prevent this considering ung sakit ko? huhu thank you in advance po sa mga sasagot. have a great day always po. Godbless po.
ReplyDeleteMeron pong gaganapin na EB 2, sumali po kayo dun para matanong mo po si banker.
Deletekung may nabigay ho kayong check na nag bounce, criminal case ho yan. yung sa nga credit card obligation, civil case ho. Majority ho nang Banko meron silang Allowance for Probable loss kaya ibabawas nila sa gross income nila. At ipapasa sa nga "Collection Agency for commission basis. Sana nasagot ko ang tanong ninyo.
DeleteGood evening po Mr Courage, thank you po sa pagsagot. Thank you rin Lenobski. Slr, ngayon ko lang nabasa. Btw Mr Courage, follow up question lang po sorry, kung worst case man ay umabot na sa korte at sinampahan ako ng criminal case, ikukulong na ba ako agad? Na aarestuhin sa bahay? O pwede pang makipagusap? Aware rin naman po ung mga nangongolekta sa akin tungkol sa sakit ko at hirap kong pagbayad. Pero ieentertain pa ba nila ako after? Maraming maraming salamat ule sa pagsagot. Magandang gabi at have a blessed day always po.
Deleteto bnwcats: Hindi ho ako lawyer at itoy opinion ko lang sa aking naranasan na ganyang kaso. Kung sa bouncing check. May darating hong subpuena sa inyo galing korte na nag sasabi na may nagdemanda laban sa inyo. Sasagot ho kayo duon. Then may preliminary meeting kayo nang porsecutor at lawyer nang kabila at lawyer ninyo. At kung humantong ho kayo sa korte na mismo puede ninyo sabihin sa judge na need ninyo lawyer kahit sa Public Attorney's Office. Mas maganda ho na kumuha ho kayo nang lawyer upang maliwanagan ang iyong gagawin. Kadalasan para lang matapos ang kaso puede amicable settlement kung mababayaran ninyo ng buo o papayag nang installment. Bailable naman yang kaso.
Delete@bnwcats,
Deletefor your peace of mind,
"not all checks that bounced is subject to BP 22"
banks knows this, others don't.
you may want to take notice of Lenobski's suggestion.
...now back to my other concerns - street children. * )
Hello. Can I join the EB 2? HOW?
ReplyDeletehttps://failuretopaycreditcard.blogspot.com/2024/10/october-diskarte-virtual-eb-october-12.html
ReplyDeleteHi po, meron na po ba dito nakapagtravel kahit may malaking utang sa bank at nakafile na po ang case sa court? Balak po kase namin mag Hongkong kaso kinakabahan po kame sa immigration kung nakikita po ba yun? Husband ko po ang may record sa bank. Traveling with our 9yrs old son po sana kame next September 2025. Nakabili na po kame ng flifht ticket ngayong seatsale. Salamat po sa sasagot.
ReplyDeleteJust live your life.
DeleteSa mga dati ko po nabasa, nakaalis naman po sila ng walang abala. Hindi naman po criminal case yan.
DeleteHello, I just want to share what I learned from Banker from the EB. But first, thank you so much for the advice. For Sir Philip too and Sonnixx. Gave me more courage to face. I know we are defaulters but at least we know our rights and legalities. If we have more than enough, then we can settle. Anyway, kanina lang din I received a letter from RGS. dinedma ko na. Hehe. Smile and pray mga ka-diskarte.
ReplyDeleteSPAYLATER - the same po ba diskarte?
ReplyDeletePatulong po lumobo na po ang utang ko sa BPI sa 2M, May summon na po ako natanggap from MTC branch 63, pinapasagot po kame at need po ng lawyer to answer, ano po ang dapat gawin? sa small claims na po ba ang sunod nito pag nagawa po? hingi po ng advice
ReplyDeletePara makasiguro, puntahan ang mtc branch 63 at verify kung ito ba ay galing sa kanila. Kung ito ay legit. Sumagot ho kayo ipadala mismo sa MTC branch 63. Wala ho nakukulong sa utang at kung meron ho kayo pag aari, hindi ho sinasama ang bahay. Ang judge ang magiging arbiter at kung ano lang ang kayang mong bayaran bawat buwan. Sa tingin ko fake yang notice na yan kung mismo galing sa CA.
DeleteKung wala naman pong pambayad huwag na po pumunta.
DeleteMay pang negotiate ka na ba? If wala why worry? Let the court decide on the case.
DeleteSalamat po sa mga reply, Mr Courage, Lenobski, Kinakape, tumawag na po ako sa MTC branch 23 at meron nga po naka file, wala pa po ako pang bayad, pero nais ko po kase mapababa yun sinisingil sa akin, at baka maalis po yun ibang charges na sinisingil nila
DeleteAng unang gawin ninyo ay ito ba ay totoong galing sa korte at ma maganda pasyalan ang korte mismyo at para mabirika ninyo upang masigurado. Hanap ho kayo nang lawyer o puede naman kayo lang ang sumagot. representative nang banko at kayo lang ang maguusap kung paano ninyo bayaran at ang judge ho ay arbiter. huwag ho matakot dahil itong civil obligation at hindi criminal case.
ReplyDelete@legodada, ilang years napo ung BPI nyo na default and ano ung defaulted amount? Thanks po
ReplyDeletemag 2 years na po, yun huling nagbayad po ako ng minimum, asa 1.3M po
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