LIMITED SLOTS ONLY! Book your slot now!
Due to the success of the two virtual EBs, we are organizing the New Year Virtual Diskarte EB.
Huwag Palampasin ang Virtual EB this January 24, 2025, from 2:00pm onwards.
Join this highly anticipated gathering and the best part? No need to travel! You can participate from the comfort of your home or anywhere convenient for you. This is your chance listen to the wisdom and practical strategies of @reTIRED banker.
In this event, you'll also connect with fellow kaDiskarte—individuals determined to succeed, despite challenges like being caught in credit card debt. Learn effective tips and strategies for managing financial struggles and handling the scare tactics of collection agency crooks.
What to Expect:
- Q&A Session: Bring your questions and concerns to get expert advice that brings peace of mind.
- Insightful Discussions: Gain valuable insights from @reTIRED banker on how to navigate and overcome credit card debt.
- Networking Opportunities: Meet and connect with fellow kaDiskarte who are on similar journeys.
- Community Building: Join a supportive community that cares and helps each other succeed.
Don't wait! Be part of a community that’s ready to help, inspire, and guide you through your financial challenges—all without leaving your homes.
For more details and to confirm your attendance, simply email diskarteguide@gmail.com.
We look forward to seeing you!
Once 10 slots are confirmed, we will close this thread. So hurry, be the first one to confirm. Email now to diskarteguide@gmail.com
ReplyDeleteThanks for your time and insight Sirs Banker and Sonnixx. It was wonderful seeing you virtually.
ReplyDeleteGreat to have everyone this morning. It was amazing to hear stories of hope and resilience. Makakaahon din ang lahat.
DeleteMelay
ReplyDeleteHi, Banker and Sir Sonix.
First time ko po kau nakita sa EB Virtual. Salamat po sa oras at mga usapin na nagbgay sa amin ng peace of mind mula noon.
Hoping na may face to face meeting na malapit lng.
God Bless Us All!
Isa po ako sa nakadalo sa Virtual EB, by the way this is Angel. Ang dami ko po natutunan at ang ganda po pakiramdam. Marami ako napulot na insights . Sana magkaroon ulit ng ganito. Salamat po kay Banker at kay Sonixx.
ReplyDeleteTo all participants:
ReplyDeletenakakataba po ng puso to know that at least we have helped you in our own small way. <*>
Melay
ReplyDeleteSalamat po Banker at sir Sonix kanina sa EbVirtual. Nakaka good vibes po ang mga paliwanag ninyo. Thank you and God Bless
Sir returedbanker and sir sonnix thank you po sa tulong. Big help po talaga. Any way my ask lang is it ok if di mona po ako sasagot sa email ng metro kasi kakadefaulted ko lang ng cc ko. Nagpadala sila ng email kung magkano total nun utang ko which is nasa 40ok plus na. Kasama na po interest dun. Pero alam ko po capital cash 2go and bal conversion ko is nasa 150plus na lang. Mataas lang po interests dahil puro 5 years loan, ok lang po ba if di ko mona sagotin yung email nila? Magwait na lang po offer sila ng amount na kaya ko to close? Sana po may makasagot thanks in advance
ReplyDeleteok lang yun.
DeleteInterested po
ReplyDeleteSee instruction above
DeleteHello po. Hindi na ako makatulog sa stress. Meron po ba ditong case na nagkaso ang gcash for gcredit, ggives and gloan? May nautang po ako sa lahat ng yan out of necessity, hindi po luho and wala na po talaga ako maibayad. Makakasuhan po ba ako? RGS ang latest na tumawag.
ReplyDeletethank you po mga sir kay Banker po sir Sonnix and sir Philip s mga insights. short but meaningful po yung Virtual EB. hopefully dulo na po ng pananakot ng Dabu . Kung mag karon po ng next virtual Eb join po ulit ako para may update at may maishare po sa iba. Thank you po.
ReplyDeleteJoin ako next time
DeleteLearned a lot sa virtual EB thank you Sir Retired Banker, Sir Sonnixx & especially Sir Philip. See you at the next EB
ReplyDeleteHi. Paano po join EB?
ReplyDeletehello @Red. Tapos na ang November Second Virtual EB. Baka may susunod pa sa December. Email na lang sa diskarteguide@gmail.com
DeleteGuys, story time: Collector called me. Utang ko daw sa UBP. I denied I had credit card, she kept insisting. And along the conversation she said that this call is being recorded. At that point, I flared up (kunwari lang, hehe) and told her that what she is doing was illegal because they did not ask my consent that the call be recorded. Then she answered, "But even in all customer service it is recorded." I answered, "I don't care about the others, but when called me you should have immediately asked my consent." She tried a palusot, "The previous speaker b4 me said it was recorded." I answered, "No he didn't, so I am not answering anymore questions." It didn't seem to hit her because she still asked, "Why?" I answered, "Since you didn't ask my consent, I am no longer going to answer anymore questions. What you did was a criminal offense." I think that scared her so she said, "Ah ok, never mind." She hung up.
ReplyDeleteHello po sa lahat! Magtatanong lang po ako. May mga unpaid cc and loan po ako. Most of them mga more than 10 years ago na. Sa lahat Citibank lang nabayaran ko pero wala ako ng certificate of complete payment (my fault). May UB savings account ako and since naacquire ni UB ang Citi, kinuha nila laman ng account ko. Since I no longer have the details hindi nila macheck for me. Yun ang sabi ng collections nila. Ngayon, tanong po, saan po maganda mag-open ng savings account! Kailangan ko po kasi ito for payment sa aking freelance work. Salamat po.
ReplyDeleteKung saan wala po kayo utang sa cc.
DeleteGood morning po, may pumunta po sa workplace ko, sa NC Corporation daw po sya and regarding daw po sa PNB cc, tumawag po ang guard sa officemate ko at hinahanap ako, kaya sinagot ko ang telepono at sabi ko sa guard na pakisabi na wala. Pero sa totoo lng kinabahan ako, baka ksi araw arawin yung pag punta. Nanginginig po kamay ko. Pahingi po ng komting advise pamapalakas loob lang po. huhuhu
ReplyDeleteBawal yan harassment na yan. Kausapin ninyo at kunin ang nga name at isumbong sa Banko sentral or tawagan. Puede naman sabihan ang guard ninyo na huwag entertain, nanggugulo lang sa trabaho mo. Nabuhay na naman ang ganyang harassment.
DeleteIsang beses lang ba sila pumupunta sa office huhu nakakahiya po talaga ang NC Corporation, pumunta at hinanap ako.
ReplyDeletePinagbabawal nang banko sentral sa nga collection agency na pumunta sa workplace. Sabihan ninyo kung makausap ninyo na bawal yan. Sa company namin hindi yan pinapapasok.
DeleteI was an avid reader here. Just staying silently before and now naopen ko uli yung shortcut icon sa phone ko for this blog. Sayang namiss ko yung Virtual EB. Ill be checking na regularly. Di pa ako paids sa mga cards pero once kaya na will do the payments. Good morning everyone :)
ReplyDeletewill let you know pag merong Christmas Virtual EB.
DeletePossible ba maging bouncing cheque yung binigay nila na cheque saken pro online nman ako nagbabayad dati, na close po account ko kasi dapat pala hindi sya pwede ma zero balance. Meron po kasi ako Security Bank salary loan po, nasa 42k po yung na loan ko, nakapagbayad nman ng ilang buwan tapos nahinto, tapos meron po nag message saken sa viber umabot sya ng 69k. Wala pa kasi akong pambayad talaga, ang sabi saken bounching cheque daw, eh hindi nman ako nag issue ng cheque, binigyan lng nila ako ng cheque pro online nman ako nagbabayad dati .
ReplyDeleteNo.
DeleteIto na nga daw may tumawag daw ukumahogsaakin na may kaso daw ako at hinahanap daw ako ng isang major , namamahiya talaga sila dahil sa office pa at may kaso daw ako na nakasampa na. Tinawag ako ng boss ko at tinatanong kung may nakasampa raw sa akin na kaso. Sabi ko wala akong may alam na may kaso ako. Tinanong ng boss ko kung baka may matagal ng nakasampa sa akin kung may naaalala raw ba ako? Sabi ko wala akong kaso, walanghiya talaga. Siguro iniisip nila na may bonus ang government employee kaya nagkukumahog na maka kuha pera.
ReplyDeleteGinawa na sa akin yan. Kinukuha nila number ko at sinab ng HR namin na data privacy yun kaya HR nalang namin tumawag sa akin. Ang sabi ko sa HR scammer.
DeleteSyempre, lintik lang walang ganti. Tinawagan ko yung nagpapanggap na major, kinuha ko badge number. Badge number palang mali na, hahahaha talagang pinagsabihan ko na buti pa siya alam niya na may business ako at may lawyer. Pakilala mo naman ako sabi ko sa kanya hehe. Nagalit, binabaan ako ng phone. Nag email ako sa bsp and eastwest regarding dito. Naalarma yata si EWB at sila mismo tumawag sa akin.
Next time pag tinawagn ka ulit, sabihin mo kakasuhan mo sila ng usurpation of authority.
Same pala tayo eastwest din ako, nag email ako sa kanila, nung una hindi na rin nila mahanap ung account ko pero sinasagot ko talaga sila binigay ko ung full name ko at last 4 digits ng cc ko. Humingi ng paanhin at nagsabi na iaadress nila sa kinakaukulan. Sasagutin ko ulit email pag may tumawag pa ulit sa akin sa office at sila nirerepresent bsp at SEC naman ang email ko. Sana kahit mga 2 years medyo tumigil sila sa pagtawag sa office namin he he he.
Deletehallo po, I received po email with a username legalstaff800@gmail.com with subject "NOTICE OF HEARING" meron po nka attached na pdf file letter from RTC, pero nka adress po ang hearing sa Davao City, taga Luzon Region 3 po ako, possible po ba yun? help pls
ReplyDeletePosible, na niloloko ka nila.
DeleteWe received a paid ad "NOTICE TO THE PUBLIC" against _____dragging the name of ____ APARTMENT Indicating that there is a violation of ARTICLE 315-318 OF THE REVISED PENAL CODE/ R.A 8484 Access Device.
ReplyDeleteWe noticed that it will bring negative publicity against you in line with our mandate of protecting the interest of member newspaper organizations and promoting ethical standards in the profession.
In granting the same, may we request that you coordinate with the advertiser's representative of said advertisement. It will be published starting by DECEMBER 21-23,2024 in a newspaper and paid by a certain LAWYER.
May nag email sa akin n2. Wala naman ako apartment. Di ko din alam ano bank sila. Totoo kaya mga ganito?
Scam yan. Usual na panakot.
DeleteHi po! Sana mapansin. Ang dami ko na po nababackread pero parang wala pa po akong same case na nag email si Metrobank ng warning to offset yung laman ng savings account ko. Nakatag as hold po sya ngayon until makapag payment arrangement ako. After 10days, kukunin na nila yung pera. :( Ano po kaya ang next best action na gawin? Pang Christmas and New Year po sana yun. :( Thank you!
ReplyDelete@Snowball maam defaulted ka ke metro at my payroll o account ka ke metro kaya my offset? Nagkaso po ba si metro? My metro din po kasi ako.
DeleteOffsetting is in the terms and condition of the credit card. Try to negotiate a payment plan of a discounted one time payment to release the hold on the account.
DeleteGood Evening everyone, question po. Will the bank still allows you to open a payroll account if may existing balance pa sa credit card? BPI po ang bank. Thank you for taking time to answer po.
ReplyDeleteOf course they will and they will offset your payroll account with them.
DeleteGrabi yong inis ko ngayon, inubos ng BPI ang sahud ko, hindi ko nman alam na kukunin pala nila lahat. Yan na po ba ang sinasabi nila na garnishment?
ReplyDeleteKung may court order na pero kung wala baka offseting yan.
DeleteKano po ung default nyo sa BPI and when po kau nadefault? Kakatawag lng din ng BPI sakin ng ooffer ng discount kaso one time and d ko pa kaya malaki pa sya 2 years nadin ako default sa knila. Sabi kakasuhan na daw ako ni BPI, haaay
Delete@miss depressed Diba po dapat may notice of garnishment ka po kung ibang bank yung nag default ka?O same bank lng po? and nag sampa na po ba ng case po?
DeleteCIVIL CASE: 25611
ReplyDeleteFOR: PROPERTY EJECTMENT
Dear,
ATTENTION:
We are already conducting a preliminary investigation for filing a legal complaint in your unsettled case under ESTAFA (article 315), Fraudulent act or fraudulent means punishable by law of the Philippines on JANUARY 2025.
If ever this case will be heard in court, we can also file you a RA 8484 also known as ACCESS DEVICE FRAUD under your name for another penalty.
To avoid these possible consequences kindly contact Atty. Daniel Reyes at 09525411312 for some information and to assist you.
Thank you.
Annalyn Mocco
LEGAL STAFF
Bankers Institute of the Phillipines
Rm. 401, Room 401 Cattleya Condominium, Salcedo Street, Legaspi Village, 235 Salcedo, Legazpi Village, Makati.
Hello. Silent reader po ako. Tanong ko kung totoo po ba ito? Ngayon lang may nag email sakin ng ganito. Under po ito ng eastwest bank.
CIVIL CASE: 25611
ReplyDeleteFOR: PROPERTY EJECTMENT
ATTENTION:
We are already conducting a preliminary investigation for filing a legal complaint in your unsettled case under ESTAFA (article 315), Fraudulent act or fraudulent means punishable by law of the Philippines on JANUARY 2025.
If ever this case will be heard in court, we can also file you a RA 8484 also known as ACCESS DEVICE FRAUD under your name for another penalty.
To avoid these possible consequences kindly contact Atty. Daniel Reyes at 09525411312 for some information and to assist you.
Thank you.
Annalyn Mocco
LEGAL STAFF
Bankers Institute of the Phillipines
Rm. 401, Room 401 Cattleya Condominium, Salcedo Street, Legaspi Village, 235 Salcedo, Legazpi Village, Makati.
May nareceive ako na ganitong email from eastwet bank. Totoo po ba ito?
Sana po may sumagot. 😔
DeleteHello po. Around 2014 ps po ako defaulted sa CCs and loans ko pero si security bank po ang medyo consistent sa paniningil. Kanina may pumunta po sa amin at sinabing kontakin sila - if not po, susulat daw sila. Possible pa po kaya na kasuhan nila ako? May nalaman na po ba kayo na case dito na kinasuhan ng security bank? Thank you po in advance.Matagal na ako hindi nagpapa-stress sa collections pero bigla po ako kinabahan dto.
ReplyDeleteMagkano default mo sa SB?
DeleteHello po @Kinakape. Kung hindi po ako nagkakamali, around 120k po yung loan ko. Factor po kaya yung amount after all this time?
ReplyDeleteIMO kalimutan mo na muna yan. Pag meron na atsaka na bayaran pero as far as case filing malamang nga lapsed na.
DeleteMagandang araw po sa lahat, tumawag po pala saken ang Security Bank agent daw po sya, from 43k na salary loan ko sa security bank, naging 69k na po, balak ko sanang mkipag settle nlang , gagawin nya daw 55k and payable to 18 months, nag agree ako kaya lang kinapus pa, gusto nya kasi bayaran agad ang 3,056 eh hindi pa nman po ako handa kasi wala pa ako pera, sabi nya saken lulubo na nman daw next month if hindi pa ako mkapag start or baka mag file na dw sila ng kaso. Kinakabahan na nman ako kasi may nabasa kasi ako sa socmed na na hit daw yung name nya sa NBI na may kaso sya dahil sa hindi pagbabayad ng utang.
ReplyDeleteBaka naman yung nabasa po nyo sa socmed ibang klaseng utang po? Kung credit card po hindi naman po criminal case yun.
Deleteinterested po mag join s aVirtual Eb po.. thank you po..
ReplyDelete