Hello. Good morning po. Magtatanong lang po kung may naka-experience na po dito na nakasuhan ng Security Bank? For full transparency po, 2014 pa po ako nagdefault sa loan ko due to financial issues. May cards din po pero until now, si security bank lang ang matiyaga magpunta sa bahay. Kanina may nagpunta nanaman and sinabing pag hindi ako nakipag-communicate e susulat na sila. Convinced po kasi un mama ko na security bank mismo kausap nya and hindi CA. Pwede pa po ba nila ako kasuhan after all this time? Salamat po.
Hello po SKV, anong klaseng loan yan sa Security Bank and how much po? Ako kasi 2021 po ako nkapag salary loan. Makakipag settle na sana ako ngayon kaso hindi ko pala kaya ang computed amount nya na dapat kung bayaran sa loob ng 18 months.
Hello SkV, magkano pala salary loan nyo sa Security Bank? Yes po nag eemail and call sila, sinagot ko baka may mababang offer, pero same offer lng din before, hindi ko kaya yun.
@Kinakape, thank you po. May idea po ba kayo when nagsisimula na officially defaulted ang isang borrower? Hjndi ko na po kasi maalala kung kelan ako in 2014 nagsimula hindi makabayad, ngayon po ang fear ko lang e baka early 2015 ako officially defaulted sa sysytem nila kaya hinahabol un 10 years.
Hello po sa lahat. Ask lang sana ako if anyone naka experience po na e hold and check for encashment just in case merun na case filed or garnishment na? Kasi I am about to avail the pagibig loan HEAL. Worried ako if merun na ako proceed na check tas mag encash ako kung anu yun na bank like AUB or Landbank, baka e hold nila?
Good day po Ask ko lang po kung pwede ba galawin or kunin ng default bank ko ang pera ko sa ibang bangko kahit wala pang court order? Salamat po sa sasagot
FRANCO DE GUZMAN Law Offices and Litigation Regional Trial Court Office
By: ATTY. FRANCO DE GUZMAN.
ATTENTION! Dear Debtor/Borrower,
The court will examine the case of small claims as a crime against property under article 315 of Revised Penal code of your unpaid debt balance. Expect our Legal Team will conduct an Investigation Judicial Forum Hearing within 24 hours. We also request a formal hearing on January 17, 2025.
Please be informed that REPUBLIC ACT NO. 8484, otherwise known as the Access Device Regulation Act, provides for the following:
"Section 9. Prohibited Acts. - The following acts shall constitute access device fraud and are hereby declared to be unlawful: obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter. "Section 14. Presumption and prima facie evidence of intent to defraud. - the mere possession, control of custody of: Your above-mentioned acts and your failure and refusal to pay your LONG OVERDUE obligation to our client, despite demand clearly shows that you purposely do not want to honor your said obligation and therefore intends to defraud our said client to its great damage and prejudice, and which is clearly a criminal act punishable by law. In addition, your prosecution under the above-mentioned law shall not free you of other liability under other laws, thus, Section 17 or R.A 8484
"Section 17. Liability under the Revised Penal Code and other laws. - Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law."
Failure of payment will serve mandatory BENCH WARRANT of ARREST under Breach of Contract and Lawsuits. If a dispute over a contract arises and informal attempts at resolution fail, the most common next step is a lawsuit.
This will be impacted to your NBI Clearance, SSS, Banks, Government Benefits and Private Financial Institution.
Pay your unpaid debt in full or at least partial payment or call us at 0935-592-8233
Hello po, pasensya napo mga admin and banker, nag try po ako mag back read pero wala po ako makita same case. Mag ask lang po ako baka may masuggest po kayo. Full context nung 2020 sabay sabay po ako naging delinquent sa 3 cards, MB, EWB and Citi. Na settle konapo both direct sa banks si MB and EWB, si Citi po kasi nagpaparamdam once a year lang then itong november 2024 nagmessage bigla collections nila na need ko isettle e hindi kopo nabasa since sa lumang email kopo nareceive then this january nagrefresh ako ng apps and naisip ko buksan si lumang email nakita ko bigla nagmemessage na si SP Madrid. nasa 50k po delinquent ko kay Citi na napasa na ata kay Unionbank, tapos pinasa nadin nila kay SP Madrid. Kahit anong email ko kay unionbank hindi nila inaaccept kasi daw nasa collections na. Ano papo kaya ang magagawa ko kasi willing naman po ako magsettle direct sa bank pero ayaw kopo sa SP Madrid. Ngayon iniisip kopo wag sila bayadan hanggat ayaw makipag usap ni UB. Baka po me same case and ano po suggestions nyo. Thank yo po
good morning po. just received this email po. please help po ano po pwde ko gawin? is this true? natatakot po ako
From: BANKERS INSTITUTE OF THE PHILIPPINES
Good day, we already finalized the information for the formal complaint filed as R.A 8484 ARTICLE 318 as known as DECEIT CASE. We also requested for an “OCULAR VISITATION” scheduled the following day after receiving this EMAIL NOTICE. The Court Sheriffs will visit your Permanent Home Address as well to your Present Employer accompanied by the BARANGAY OFFICIALS and CITY/MUNICIPAL POLICE.
We need your mandatory coordination to avoid the commotion in your area. Kindly be advised that if you are ignoring our notice then we regret to inform upon filing the case, prohibiting FRAUD your name would be placed on the roster of persons with derogatory records in the following: 1. FINANCIAL INSTITUTIONS; 2. GOVERNMENT INSTITUTIONS.
We have received a formal complaint against you wherein the COMPLAINT was filed under; R.A 8484 of ARTICLE 318 DECEIT CASE. We have the authority to conduct the legal process.
Whereas coordination to your MUNICIPAL TRIAL COURT will serve your Subpoena indication that you need to face criminal charges, court hearing on the date and time that is indicated.
Waiting for your cooperation within 24HOURS before finalizing the submission of your documents to the CLERK OF COURT. To prevent the commotion in your area.
-- Headquarters: The Peak Tower, Salcedo Village, 107 L.P. Leviste Street, Makati, Metro Manila Mobile: (+63) 955 471 1653 TEL #: 8961-3341 Email: michelle.e091496@gmail.com
I defaulted on my citibank credit card in 2019, sometime in 2022-2023, unionbank purchased citibank ph retail, so recently i was contacted by RGS (collection agency for union) to settle. is anyone in the same situation? what did you do? thank you!
Hi gud pm po ask kol lng nsa litigation daw na yung acct ko..tas sabi makaka apektafo daw sa NBI pag d daw ako umatend. Sa hearing. May pending. Case daw ako totoo pob yun wla pa akp ibbayad. Pa sa ngyon. Kaya d ako nagrereply. Sa mga text nla salamat po. Need your advise
Kung wala kang natatanggap na demand letter from the bank, fake news yan. lalo na 6 months ka palang di nakakabayad. tsaka walang effect sa NBI yan kasi this will be a civil case jung sakali man. Only criminal cases will appear sa NBI. Report mo yun mga cel number sa BSP kasi unfair debt collection practice yan manakot.
Pag may nagtext sa akin na number lng at kung ano ano pananakot pag nagreply ako d nmn nag rereply tas bigla may tatawag. Iba number n gonagamit..hindi ko ksi sinasagot kol nla ksi wala din nmn pag uusap nmin. Dhl d rin ako mkkbayad
Good day! As part of the Court initial property screening related to the WRIT OF PRELIMINARY ATTACHMENT OF PROPERTY (Violation of R.A 8484 access device Law under Art. 315-316 Tantamount to Swindling/Estafa and Art. 318 for Deceit ), We would like to notify you that We will be visiting your home ,business, company location to verify the specifics of your whereabouts with the proper assistance from the authorities.
In accordance with Rule 3, Section 4 of the Revised Rules of Court , your spouse, if any,shall be included as Mandatory Party Defendant upon the filing does not stop Our client from taking future Legal action, whether civil or criminal, against you without prior notification and as a circumstances warrant.
We are still giving you the opportunity to settle this situation with Us before We launch a case against you in the METROPOLITAN TRIAL COURT Branch 64 for a Small Claims Case. If We do not receive cooperation/payment from you as soon possible, We shall take the proper Legal Action.
To avoid inconvenience, kindly govern yourself and we will give you some consideration and settlement options. To clarify, contact Litigation Officer Mr. RAYALA at 0907-841-1507 or reply from this email within 24 hours otherwise, govern yourself with personal Legal counsel. Sincerely,
Magandang umaga po, its been so long time, ndi na po ako nakapag share dito..been through tough battle lately..My Dad had stroke last year..I failed na rin po mabayaran ang PNB last year, So PNB, EWB and MB po ndi ko na kinayanan mabarayaran more or less million na siguro due to charges..For this past years they ve been calling non stop, until unfortunately nasira ang phone ko.. and nawala din ung sim nung pinagawa ko..had my new number..pero ndi ko binigay..sobrang dami ko nang problema, my mental health is suffering already..tumatawag pa rin sa office asking for me.. pero sinasabi nalang ng guard na ndi na connected, they also dont recieved those letters, some of them sabi nila ay may for case filling na tatak.. kelan lang may nag punta sa bahay..pumasok pa sa gate namin..he ask for me, sabi ni Mom ndi na ko nakatira dun..they ask for her name for basis daw.. natakot Mom ko baka magamit ang name nya sa kung anong scam.. she just create names. didnt also accept the letter and the collector just storm away..sa emails, they constantly threatening me with civil/criminal cases..Asking myself.. paano ko ibibigay ung contact number ko and confirm that i am still leaving on the same address, working on the same office if ang gagawin lang nila ay takutin ako nang kung ano anong court, arrest and subpoena, brgy hearing at kung ano ano pa at mandamay pa ng ibang tao..nonsense.. they just put you on deep depression..there also times na gusto mo na mamatay because of them..did that have sense in anyways??.nah.. nonsense, if I go to jail did that make sense for me and for them..so i stop worrying about them..what will be, will be.. for now focus on may Dads healing and my mental health. anu man ang nangyari its hard but we need to accept it.. para makove on sa buhay..as for those asking me regarding having a credit card.. i just advice them dont..thats not nacessary..it is just a bait..credit card is not a previledge its a responsibility. More power po saatin, at sa lahat ng struggling with big problems.. youre not alone.. keep figthing..Have Faith in God.
Good Day po. I need advise po, please help. Meron po ako Dollar Credit Card from Metrobank na kapag convert sa peso is 120,000. Hindi ko na po nabayaran since 2023 kase nascam po ako. May nareceive po ako email as below. Totoo po kaya ito? Kase kung ganyan amount po e babayaran ko na po since sa ganyan amount e kakayanin ko na po. Ang worry ko lang po e baka after ko magbayad e hindi pala totoo. How will I know po if tutupad sila based sa email nila na once paid na ako amounting to 2,917.69 is settled na po credit card ko.
Dear Mrs. ,
Please be informed that our client, Metrobank, is settled on the treating the payment of the total amount of PHP2,917.69 on your Dollar Platinum MC ending in ........ on or before February 14, 2025 as full settlement of the above credit card account. Thank you.
Please advise po on this. I need to know what to do po kase gusto ko po sana isettle na, worried lang po talaga ako na baka hindi totoo e masayang po ang pera ko.
Good day ask ko lang if default credot card holder ako may chance ba na di ako makapg travel? Govt employee ako and isa sa requiremnt namin ay need ko magrequest ng certificate of no pending case.. Di ko rin sure kung nagfile ba ng case ang bank ksi wala naman ako narereceive na summins from court.. Default ako 10 or 13 years na rin
"In the Philippines, the statute of limitations for collecting debt is 10 years for written contracts, like credit card debts. This means that creditors have 10 years to file a case to collect the debt" lusot ka na if 10 or more yrs
Good evening po! I'm a silent reader po, manghihingi lang po sana ako ng advice if mag aapply po ako for IDRP since I have 4 default cc (EW-200k,Union-100k,Bpi-100k,RCBC-300k) po pero ang sahod ko lang po is 22k a month bawas na po dyan ung sss loan, pagibig (loan),may chance po ba akong ma approve?
Things to consider: 1) Can you afford it? say P700k loan is paid over 10 yrs at 5% interest pa, thats roughly 7.5k/month 2) AFAIK, you cannot get a discount from principal if you enter into IDRP, only penalties and unpaid interest are waivable, whereas if you let your payables sour, you may be able to come to an agreement w each credit card company w a one time discounted settlement. I was able to get 70%-80% discount from 2 different credit card companies. The downside is you'll have to endure calls, emails from collection agencies before you get to the point where you can negotiate for steep discounts w the credit card companies themselves. Usually kasi, ibabalik ng collection agency sa bank after a few years if hindi talaga maka collect ang agency, at that point banks would be more generous w their discounts just to be able to collect... So the choice really depends on you and your comfort level.
Thank you so much. Yes ,I think hindi ko din mababayaran kahit mag 10 years to pay pa siya.
I really need to endure the constant call,emails and text bagong defaulter pa lang kase ako and wala pang mapagtanungan about my situation,although nasabi ko na sa Family ko,hindi ko kase sila makumbinsi n wag tanggapin ung mga sulat n dadating para sa akin kaya naisip ko yung IDRP.
Mag babackread na lang ako madals dito sa blog para mawala yung kaba ko.
Good morning po sa lahat. May defaulted citi card po ako na paid na around 2011. Nung naacquire ni Unionbank ang Citibank, binawasan nila yung savings ko. Tinawagan ko cs nila at sinabi ko na paid na yung citibank pero since wala akong certificate of full payment at wala na din ako credit card details, wala ako mapakita sa kanila. Ang problem ko yung payroll namin na bago sa Unionbank at ayaw nika pumayag na iba. Ano po kaya magandang gawin? Baka kasi kunin uli nila yung pera as soon as pumasok yung sahod ko. Salamat po.
Hello meron na po ba dito na di nakabayad under Eastwest Personal Loan? Ano po ginawa nyo? Thank you sana this time may sumagot. Yung past messafe ko kasi walang sumagot.
Hello po pwede po paki edit po nung name ung Ana lang po ang iretain nagkamali po kasi ako ng pag type noon. Na isama sa name ung comment ko po.. Hindi ko po kasi ma edit di ko matanggal ung message dun sa kadugtong ng name. Thanks po amin.
Merry Christmas Banker, Sonnixx and the rest of the group.
ReplyDeleteSeasons come and go and by the grace of God we push through. Happy holidays.
Hello. Good morning po. Magtatanong lang po kung may naka-experience na po dito na nakasuhan ng Security Bank? For full transparency po, 2014 pa po ako nagdefault sa loan ko due to financial issues. May cards din po pero until now, si security bank lang ang matiyaga magpunta sa bahay. Kanina may nagpunta nanaman and sinabing pag hindi ako nakipag-communicate e susulat na sila. Convinced po kasi un mama ko na security bank mismo kausap nya and hindi CA. Pwede pa po ba nila ako kasuhan after all this time? Salamat po.
ReplyDeleteSince 2014 pa, hindi na yan. Kung gusto magkaso nyan nuon pa.
Delete10 years have lapsed.
DeleteHello po SKV, anong klaseng loan yan sa Security Bank and how much po? Ako kasi 2021 po ako nkapag salary loan. Makakipag settle na sana ako ngayon kaso hindi ko pala kaya ang computed amount nya na dapat kung bayaran sa loob ng 18 months.
DeleteSalary loan din po Miss Depressed. May kausap po kayo sa security bank?
DeleteHello SkV, magkano pala salary loan nyo sa Security Bank? Yes po nag eemail and call sila, sinagot ko baka may mababang offer, pero same offer lng din before, hindi ko kaya yun.
Delete@Kinakape, thank you po. May idea po ba kayo when nagsisimula na officially defaulted ang isang borrower? Hjndi ko na po kasi maalala kung kelan ako in 2014 nagsimula hindi makabayad, ngayon po ang fear ko lang e baka early 2015 ako officially defaulted sa sysytem nila kaya hinahabol un 10 years.
ReplyDeleteHello po sa lahat. Ask lang sana ako if anyone naka experience po na e hold and check for encashment just in case merun na case filed or garnishment na? Kasi I am about to avail the pagibig loan HEAL. Worried ako if merun na ako proceed na check tas mag encash ako kung anu yun na bank like AUB or Landbank, baka e hold nila?
ReplyDeleteGood day po
ReplyDeleteAsk ko lang po kung pwede ba galawin or kunin ng default bank ko ang pera ko sa ibang bangko kahit wala pang court order? Salamat po sa sasagot
Hindi pwede yun
DeleteNo. They wouldnt have the capacity to do so without a writ.
Delete
ReplyDeleteKakareceive ko lang po via email, legit po ba?
FRANCO DE GUZMAN Law Offices and Litigation Regional Trial Court Office
By: ATTY. FRANCO DE GUZMAN.
ATTENTION!
Dear Debtor/Borrower,
The court will examine the case of small claims as a crime against property under article 315 of Revised Penal code of your unpaid debt balance. Expect our Legal Team will conduct an Investigation Judicial Forum Hearing within 24 hours. We also request a formal hearing on January 17, 2025.
Please be informed that REPUBLIC ACT NO. 8484, otherwise known as the Access Device Regulation Act, provides for the following:
"Section 9. Prohibited Acts. - The following acts shall constitute access device fraud and are hereby declared to be unlawful:
obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter.
"Section 14. Presumption and prima facie evidence of intent to defraud. - the mere possession, control of custody of:
Your above-mentioned acts and your failure and refusal to pay your LONG OVERDUE obligation to our client, despite demand clearly shows that you purposely do not want to honor your said obligation and therefore intends to defraud our said client to its great damage and prejudice, and which is clearly a criminal act punishable by law.
In addition, your prosecution under the above-mentioned law shall not free you of other liability under other laws, thus, Section 17 or R.A 8484
"Section 17. Liability under the Revised Penal Code and other laws. - Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law."
Failure of payment will serve mandatory BENCH WARRANT of ARREST under Breach of Contract and Lawsuits. If a dispute over a contract arises and informal attempts at resolution fail, the most common next step is a lawsuit.
This will be impacted to your NBI Clearance, SSS, Banks, Government Benefits and Private Financial Institution.
Pay your unpaid debt in full or at least partial payment or call us at 0935-592-8233
Thank you,
Legal Assistant
Office of Atty. Franco De Guzman
Contact: 0935-592-8233
Madalas po ako makatanggap ng ganyang text, email . Scam
DeleteHello po, pasensya napo mga admin and banker, nag try po ako mag back read pero wala po ako makita same case. Mag ask lang po ako baka may masuggest po kayo. Full context nung 2020 sabay sabay po ako naging delinquent sa 3 cards, MB, EWB and Citi. Na settle konapo both direct sa banks si MB and EWB, si Citi po kasi nagpaparamdam once a year lang then itong november 2024 nagmessage bigla collections nila na need ko isettle e hindi kopo nabasa since sa lumang email kopo nareceive then this january nagrefresh ako ng apps and naisip ko buksan si lumang email nakita ko bigla nagmemessage na si SP Madrid. nasa 50k po delinquent ko kay Citi na napasa na ata kay Unionbank, tapos pinasa nadin nila kay SP Madrid. Kahit anong email ko kay unionbank hindi nila inaaccept kasi daw nasa collections na. Ano papo kaya ang magagawa ko kasi willing naman po ako magsettle direct sa bank pero ayaw kopo sa SP Madrid. Ngayon iniisip kopo wag sila bayadan hanggat ayaw makipag usap ni UB. Baka po me same case and ano po suggestions nyo. Thank yo po
ReplyDeletehey almostdebt free, same situation ako. just got contacted by RGS to settle my old citibank outstanding.
Delete
ReplyDeletegood morning po.
just received this email po.
please help po ano po pwde ko gawin? is this true? natatakot po ako
From: BANKERS INSTITUTE OF THE PHILIPPINES
Good day, we already finalized the information for the formal complaint filed as R.A 8484 ARTICLE 318 as known as DECEIT CASE. We also requested for an “OCULAR VISITATION” scheduled the following day after receiving this EMAIL NOTICE. The Court Sheriffs will visit your Permanent Home Address as well to your Present Employer accompanied by the BARANGAY OFFICIALS and CITY/MUNICIPAL POLICE.
We need your mandatory coordination to avoid the commotion in your area. Kindly be advised that if you are ignoring our notice then we regret to inform upon filing the case, prohibiting FRAUD your name would be placed on the roster of persons with derogatory records in the following: 1. FINANCIAL INSTITUTIONS; 2. GOVERNMENT INSTITUTIONS.
We have received a formal complaint against you wherein the COMPLAINT was filed under; R.A 8484 of ARTICLE 318 DECEIT CASE. We have the authority to conduct the legal process.
Whereas coordination to your MUNICIPAL TRIAL COURT will serve your Subpoena indication that you need to face criminal charges, court hearing on the date and time that is indicated.
Waiting for your cooperation within 24HOURS before finalizing the submission of your documents to the CLERK OF COURT. To prevent the commotion in your area.
--
Headquarters: The Peak Tower, Salcedo Village, 107 L.P. Leviste Street, Makati, Metro Manila
Mobile: (+63) 955 471 1653
TEL #: 8961-3341
Email: michelle.e091496@gmail.com
Commotion 😅 delete mo lang
DeleteAsk ko lang if ever di ko naupdate yung information ko about sa job at cp number ko pasok parin ba sa RA8484 yun?
DeleteMay mga kinukulit din ba dito ng collectius hehe
ReplyDeleteAsk ko lang po ok lang po Kaya na hindi ko iupdate Yung bank na lumipat na kami ng house.. May nabasa kasi ako na RA 8484 ba yun?!?
ReplyDeleteI defaulted on my citibank credit card in 2019, sometime in 2022-2023, unionbank purchased citibank ph retail, so recently i was contacted by RGS (collection agency for union) to settle. is anyone in the same situation? what did you do? thank you!
ReplyDeleteHi gud pm po ask kol lng nsa litigation daw na yung acct ko..tas sabi makaka apektafo daw sa NBI
ReplyDeletepag d daw ako umatend. Sa hearing. May pending. Case daw ako totoo pob yun wla pa akp ibbayad. Pa sa ngyon. Kaya d ako nagrereply. Sa mga text nla salamat po. Need your advise
Kung wala kang natatanggap na demand letter from the bank, fake news yan. lalo na 6 months ka palang di nakakabayad. tsaka walang effect sa NBI yan kasi this will be a civil case jung sakali man. Only criminal cases will appear sa NBI. Report mo yun mga cel number sa BSP kasi unfair debt collection practice yan manakot.
DeleteWala yan, scam yan
DeletePag may nagtext sa akin na number lng at kung ano ano pananakot pag nagreply ako d nmn nag rereply tas bigla may tatawag. Iba number n gonagamit..hindi ko ksi sinasagot kol nla ksi wala din nmn pag uusap nmin. Dhl d rin ako mkkbayad
ReplyDelete6 months na d po ako nakakabayad. Tas pag naniningil. Wala nmn halaga mgkno utang ko
ReplyDeleteOk lng po ba na di ako sasagot sa mga kol at text nla? Nakaka stress po kasi..d ako makapag isip ng maayos t x po
ReplyDelete𝕌𝕃𝕋𝕀𝕄𝔸𝕋𝕌𝕄 : 𝔽𝕀ℕ𝔸𝕃 𝔻𝔼𝕄𝔸ℕ𝔻
ReplyDeleteFINAL DEMAND :
ATTENTION MS/MR.
Good day! As part of the Court initial property screening related to the WRIT OF PRELIMINARY ATTACHMENT OF PROPERTY (Violation of R.A 8484 access device Law under Art. 315-316 Tantamount to Swindling/Estafa and Art. 318 for Deceit ), We would like to notify you that We will be visiting your home ,business, company location to verify the specifics of your whereabouts with the proper assistance from the authorities.
In accordance with Rule 3, Section 4 of the Revised Rules of Court , your spouse, if any,shall be included as Mandatory Party Defendant upon the filing does not stop Our client from taking future Legal action, whether civil or criminal, against you without prior notification and as a circumstances warrant.
We are still giving you the opportunity to settle this situation with Us before We launch a case against you in the METROPOLITAN TRIAL COURT Branch 64 for a Small Claims Case. If We do not receive cooperation/payment from you as soon possible, We shall take the proper Legal Action.
To avoid inconvenience, kindly govern yourself and we will give you some consideration and settlement options. To clarify, contact Litigation Officer Mr. RAYALA at 0907-841-1507 or reply from this email within 24 hours otherwise, govern yourself with personal Legal counsel.
Sincerely,
Atty. Amado B. De Leon
Legal Counsel
Ultimatum na Final Demand pa hahahaha
Bogus letter yan. It doesn't even mention the debt details.
DeleteKaya nga eh natatawa ako kaya nashare ko dito. At least di ginamit supreme court tulad nung iba hahaha
DeleteMagandang umaga po, its been so long time, ndi na po ako nakapag share dito..been through tough battle lately..My Dad had stroke last year..I failed na rin po mabayaran ang PNB last year, So PNB, EWB and MB po ndi ko na kinayanan mabarayaran more or less million na siguro due to charges..For this past years they ve been calling non stop, until unfortunately nasira ang phone ko.. and nawala din ung sim nung pinagawa ko..had my new number..pero ndi ko binigay..sobrang dami ko nang problema, my mental health is suffering already..tumatawag pa rin sa office asking for me.. pero sinasabi nalang ng guard na ndi na connected, they also dont recieved those letters, some of them sabi nila ay may for case filling na tatak.. kelan lang may nag punta sa bahay..pumasok pa sa gate namin..he ask for me, sabi ni Mom ndi na ko nakatira dun..they ask for her name for basis daw.. natakot Mom ko baka magamit ang name nya sa kung anong scam.. she just create names. didnt also accept the letter and the collector just storm away..sa emails, they constantly threatening me with civil/criminal cases..Asking myself.. paano ko ibibigay ung contact number ko and confirm that i am still leaving on the same address, working on the same office if ang gagawin lang nila ay takutin ako nang kung ano anong court, arrest and subpoena, brgy hearing at kung ano ano pa at mandamay pa ng ibang tao..nonsense.. they just put you on deep depression..there also times na gusto mo na mamatay because of them..did that have sense in anyways??.nah.. nonsense, if I go to jail did that make sense for me and for them..so i stop worrying about them..what will be, will be.. for now focus on may Dads healing and my mental health. anu man ang nangyari its hard but we need to accept it.. para makove on sa buhay..as for those asking me regarding having a credit card.. i just advice them dont..thats not nacessary..it is just a bait..credit card is not a previledge its a responsibility. More power po saatin, at sa lahat ng struggling with big problems.. youre not alone.. keep figthing..Have Faith in God.
ReplyDeleteGood Day po.
ReplyDeleteI need advise po, please help.
Meron po ako Dollar Credit Card from Metrobank na kapag convert sa peso is 120,000. Hindi ko na po nabayaran since 2023 kase nascam po ako.
May nareceive po ako email as below. Totoo po kaya ito? Kase kung ganyan amount po e babayaran ko na po since sa ganyan amount e kakayanin ko na po. Ang worry ko lang po e baka after ko magbayad e hindi pala totoo. How will I know po if tutupad sila based sa email nila na once paid na ako amounting to 2,917.69 is settled na po credit card ko.
Dear Mrs. ,
Please be informed that our client, Metrobank, is settled on the treating the payment of the total amount of PHP2,917.69 on your Dollar Platinum MC ending in ........ on or before February 14, 2025 as full settlement of the above credit card account. Thank you.
Please advise po on this. I need to know what to do po kase gusto ko po sana isettle na, worried lang po talaga ako na baka hindi totoo e masayang po ang pera ko.
Thanks
Call the bank baka USD yan hindi PHP
DeleteGood day ask ko lang if default credot card holder ako may chance ba na di ako makapg travel? Govt employee ako and isa sa requiremnt namin ay need ko magrequest ng certificate of no pending case.. Di ko rin sure kung nagfile ba ng case ang bank ksi wala naman ako narereceive na summins from court.. Default ako 10 or 13 years na rin
ReplyDelete"In the Philippines, the statute of limitations for collecting debt is 10 years for written contracts, like credit card debts. This means that creditors have 10 years to file a case to collect the debt" lusot ka na if 10 or more yrs
ReplyDeleteGood evening po!
ReplyDeleteI'm a silent reader po, manghihingi lang po sana ako ng advice if mag aapply po ako for IDRP since I have 4 default cc (EW-200k,Union-100k,Bpi-100k,RCBC-300k) po pero ang sahod ko lang po is 22k a month bawas na po dyan ung sss loan, pagibig (loan),may chance po ba akong ma approve?
Things to consider: 1) Can you afford it? say P700k loan is paid over 10 yrs at 5% interest pa, thats roughly 7.5k/month 2) AFAIK, you cannot get a discount from principal if you enter into IDRP, only penalties and unpaid interest are waivable, whereas if you let your payables sour, you may be able to come to an agreement w each credit card company w a one time discounted settlement. I was able to get 70%-80% discount from 2 different credit card companies. The downside is you'll have to endure calls, emails from collection agencies before you get to the point where you can negotiate for steep discounts w the credit card companies themselves. Usually kasi, ibabalik ng collection agency sa bank after a few years if hindi talaga maka collect ang agency, at that point banks would be more generous w their discounts just to be able to collect... So the choice really depends on you and your comfort level.
Delete@Pink
DeleteThank you so much.
Yes ,I think hindi ko din mababayaran kahit mag 10 years to pay pa siya.
I really need to endure the constant call,emails and text bagong defaulter pa lang kase ako and wala pang mapagtanungan about my situation,although nasabi ko na sa Family ko,hindi ko kase sila makumbinsi n wag tanggapin ung mga sulat n dadating para sa akin kaya naisip ko yung IDRP.
Mag babackread na lang ako madals dito sa blog para mawala yung kaba ko.
Thank you ulit@pink
Good morning po sa lahat. May defaulted citi card po ako na paid na around 2011. Nung naacquire ni Unionbank ang Citibank, binawasan nila yung savings ko. Tinawagan ko cs nila at sinabi ko na paid na yung citibank pero since wala akong certificate of full payment at wala na din ako credit card details, wala ako mapakita sa kanila. Ang problem ko yung payroll namin na bago sa Unionbank at ayaw nika pumayag na iba. Ano po kaya magandang gawin? Baka kasi kunin uli nila yung pera as soon as pumasok yung sahod ko. Salamat po.
ReplyDeleteShow UB the SOA from CIti that reflected your full payment.
DeleteAng problem ko wala na ako any soa or credit card details ng citibank sa sobrang tagal na din.
Deletehave you tried asking (demand) from UB for proof? 😁
DeleteTatry ko pa lang po @reTIRED banker.
ReplyDeleteHello meron na po ba dito na di nakabayad under Eastwest Personal Loan? Ano po ginawa nyo? Thank you sana this time may sumagot. Yung past messafe ko kasi walang sumagot.
ReplyDeleteHello po pwede po paki edit po nung name ung Ana lang po ang iretain nagkamali po kasi ako ng pag type noon. Na isama sa name ung comment ko po.. Hindi ko po kasi ma edit di ko matanggal ung message dun sa kadugtong ng name. Thanks po amin.
ReplyDeleteMay nahatakan na po ba dito ng bahay, gamit, dahil sa unpaid cc??? Tysm po..
ReplyDelete