Good morning! Hello po reTIRED Banker at sa lahat! Thank you po sa blogspot na ito at natahimik ang buhay ko for the last 10years. I've been a silent reader for a decade. Yung mga alahas ko nasangla ko lahat just to pay for my cards pero lahat napunta sa interest. I defaulted sa EWB(less than 20k), BDO(less than 50k) and RCBC (20k) nung nagkasakit ang asawa ko and he had to stop working for 10mos. Actually, si RCBC binayaran ko sa 3rd party collector nung 2013-2014. Hindi ko pa nadidiscover ang blogspot na ito nun. After ko mabayaran ng 18mos, the collectors were calling me again. 30mos daw dapat ang bayaran ko when an email say otherwise. Nagbabasa na ako sa diskarte nun at wala na talaga ako ibabayad so hinayaan ko na.
These past few weeks, nangungulit ang FF Magtibay Law Office/collector (different siya sa legit na Magtibay Law Office). Mag-ocular visit daw sila. Ilang buwan na siyang nagpa-final notice sa akin sa RCBC card ko. They also threatened na madedemanda ako eh Dec 2014 pako huling nagbayad. So naka-10 years na. Dati kinakabahan pa ako pag may love letter ang collector pero dahil sa blogspot na ito, na-enlighten ako.
Sa mga bagong defaulters na ginawa naman talaga lahat para makabayad pero hindi talaga kinaya, hang in there. Huwag niyo sayangin ang pera na ibayad tapos mapupunta lang lahat sa interest. Para kayong nagtapon ng pera sa balon. Unahin muna ang basic needs at ipunin ang iba para hindi na natin kailangan umutang ulit.
I know. Kaya nga hindi ko sila pinapansin. Ilang "last settlement chances" ang natatanggap ko sa email tapos today filing of case naman ang email sa akin. Naglolokohan lang kami. May magtetext pa na add daw sila sa facebook at magbibigay siya ng bonus. Ano sira? 🥴
Hi, question lng po. meron po ba dito lately na naka received ng email from UB for payment settlement option? ang sabi sa email is collections department and UB cc default daw ako pero acct. # starting po sa 00. tinawagan ko po un collection ng UB ang sabi bka daw ho meron akong citibank cc ang sabi ko wala po akong citibank cc. or baka daw personal loan pero that was way back 2013 or 2015 na po nun na default ako? meron po ba dito maka advice kung anung magandang gawing sa ganitong scenario? Thanks.
Let them first prove that you have a defaulted loan. Then its either you negotiate and settle it if funds are there or you fight in court. Both of which takes time and.mo ey
Kumusta po? Nakaka stress mga nagpupunta sa bahay na para bang sa kanila ka may utang. Pano po kung may binabayaran na sasakyan at pagkatapos ng car loan, kukunin ba ng bank ung car?
i recently received a notice of garnishment from one of my bank. :( it has 10k on it so I couldnt able to transfer it na since nakahold na sya. And im afraid they would do the same to other banks I have. Help please anyone here na nakareceive na ng notice of garnishment. What did you guys do? This is giving me anxiety.
Isang criminal case ang isinampa laban sa iyo sa Regional Trial Court para sa Estafa (Art. 315) at Swindling (Art. 318) ng Revised Penal Code. May sapat nang ebidensiya, at ang pagdinig ay sa Marso 17, 2025. Hindi pagtugon = agarang subpoena/summons.
Dahil sa patuloy mong hindi pagbabayad, isasampa na ang Collection of Sum of Money with Preliminary Attachment. Maaaring kumpiskahin ang iyong mga ari-arian, i-garnish ang suweldo, at ikaw ay ma-detain sa CIDG custody.
AGAD NA MAGBAYAD upang maiwasan ang mabigat na legal na aksyon!
Hello po Banker, naka-receive po ako ng text saying these:
Good day, This serves as STERN AND STRONG FINAL WARNING from FF MÀGTÍBÀY LAW OFFICE,on behalf of CollectÍÚs Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process. Be that as it may, FF MÀGTÍBÀY LAW OFFICE on behalf of COLLECTÍÚS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers ...
Hopefully may makatulong po sa akin, na-receive ko lang tong text message na to ngayon (March 19 , 2025)
Good day, This serves as STERN AND STRONG FINAL WARNING from FF MàGTíBAY LAW OFFICE,on behalf of Colleéctíus Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded. Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process. Be that as it may, FF MàGTíBAY LAW OFFICE on behalf of COLLEéCTíUS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers 0... and look for VINCENT. Thank
Meron na po ba dito naka receive ng FINAL DEMAND letter galing mismo sa BDO collections with letter head ng bangko tas jRS ang nag hatid? defaulted po ako nung 2022 sa knila, @retired banker, pag po ba d ako nag bayad within 5 days na sinasabi sa letter eh makakasuhan nako? 87k po ung nasa amount nung letter, TY po.
Hello po uli, naka-receive naman po ako ng another email from ca kahapon (March 20), Demand with Notîcé to Sue.
We write on behalf of our client, COLLèCTíUS PHILIPPINES, who duly and legally acquired your delinquent account from EASTWEST BANK1 PH under this account number . Records show that you have continuously failed to settle your outstanding balance amounting to Php 57xxx up to date. The actual outstanding balance will vary based on penalty and/or interest applicable until you have fully settled your obligation.
Several demands were made but went unheeded. Therefore, FINAL DEMAND is hereby made upon you to settle your outstanding loan obligation in full. Your failure to comply with the foregoing final demand within FIVE (5) DAYS from receipt hereof will constrain us to institute the necessary legal actions, whether criminal and/or civil. By then, we shall be demanding from you the appropriate amount of damages, attorney’s fees, and litigation expenses due to our client.
Hello everyone. Out of topic inquiry po, I just want to get your opinion. I have 2 credit card delinquent accounts, one from EWB and the other is from BPI. I am planning to apply for a Pagibig Housing loan, would that affect my application? I recently availed for a credit report through an app and my score was low. Now I'm worried that I might not get approved sa Pagibig. Your honest opinion will matter to me. Thank you.
Meron pong nag email sa akin about sa utang ko sa CC.totoo po ba kaya to na kapag nagbayad ako ng 50% sa kanila ay settle n ako. Please enlightened po ako..
By: ATTY. FRANCO SAMSON.
ATTENTION! Dear Debtor/ BORROWER,
This is HARRY from the office of Atty. Franco Samson Legal Department of Bank & Trust Company,
Please be aware that the status of your account is still recommended for Court Settlement. Despite repeated reminders and follow ups, our Officer is still giving you a chance to avail the Program instead of paying the whole amount of your Outstanding Balance. You can pay the discounted amount 50% Less from your Outstanding Balance. This extension is valid until On or Before APRIL 10, 2025 only.
If you still failed to settle your account. Our office is proceeding for the file for writ of attachment and also requesting a formal court hearing on MAY 5, 2025. This procedure is a Legal process based under Article 315 of Revised Penal Code of your unpaid debt. And Expect our Legal team for Execution of your property.
Thank you, Legal Assistant Office of Atty. Franco Samson
Hello Banker and peeps.. Pano po kaya maganda gawin or na experience nyo na po ba at naulit ba.. Ang lungkot lang kasi.. Un CA crook ang ginawa ng punta sa barangay.. Ang segway nya tinatanong nya un number address ko kahit madali naman hanapin ilang houses away from barangay lang.. Nagkataon andon ang Nanay ko may kausap.. Pinareceive nya un sulat sa nanay ko at nagbigay ng number ng agent nila.. Hindi po ba bawal un pagtatanong nya pa sa barangay san address ko.. O para paraan nila para mangulat..hindi ko naman kaya tlg makabayad pa.. Paano po kaya pag don pa rin sila sa barangay bumalik.. Nahiya ako sa Nanay ko kahit alam nya na namroblema ko. Salamat po
Hello po. Itatanong ko lang po, paano po kung nag issue ng cheke sa bangko? Personal loan po. 5.years default na po. Puro about credit card po kasi ang nababasa ko dito. And kahapon lang po nabuhay na naman si CA. May business po kasi noon at dahil sa pandemic bumagsak ang business namin. Nagka cancer ang tatay ko, at kami lang po ang nagpapagamot sakanya. Pero kahapon makulit talaga itong CA. Nanghihingi pa siya ng kahit 5k daw which is alam ko naman na sakanila lang mapupunta. Sabi sa bangko daw ideposit para sure na legit. Tapos bp22 nga daw case ko kasi nag issue nga daw po ako ng cheke. Paano po ba sa mga personal loan na kagaya ko? May mga personal loan din po ba dito? Maraming salamat po sa inyo.
Good morning! Hello po reTIRED Banker at sa lahat! Thank you po sa blogspot na ito at natahimik ang buhay ko for the last 10years. I've been a silent reader for a decade. Yung mga alahas ko nasangla ko lahat just to pay for my cards pero lahat napunta sa interest. I defaulted sa EWB(less than 20k), BDO(less than 50k) and RCBC (20k) nung nagkasakit ang asawa ko and he had to stop working for 10mos. Actually, si RCBC binayaran ko sa 3rd party collector nung 2013-2014. Hindi ko pa nadidiscover ang blogspot na ito nun. After ko mabayaran ng 18mos, the collectors were calling me again. 30mos daw dapat ang bayaran ko when an email say otherwise. Nagbabasa na ako sa diskarte nun at wala na talaga ako ibabayad so hinayaan ko na.
ReplyDeleteThese past few weeks, nangungulit ang FF Magtibay Law Office/collector (different siya sa legit na Magtibay Law Office). Mag-ocular visit daw sila. Ilang buwan na siyang nagpa-final notice sa akin sa RCBC card ko. They also threatened na madedemanda ako eh Dec 2014 pako huling nagbayad. So naka-10 years na. Dati kinakabahan pa ako pag may love letter ang collector pero dahil sa blogspot na ito, na-enlighten ako.
Sa mga bagong defaulters na ginawa naman talaga lahat para makabayad pero hindi talaga kinaya, hang in there. Huwag niyo sayangin ang pera na ibayad tapos mapupunta lang lahat sa interest. Para kayong nagtapon ng pera sa balon. Unahin muna ang basic needs at ipunin ang iba para hindi na natin kailangan umutang ulit.
Thank you po ulit reTIRED banker.
Kung idedemanda ka dapat nuon pa.
ReplyDeleteI know. Kaya nga hindi ko sila pinapansin. Ilang "last settlement chances" ang natatanggap ko sa email tapos today filing of case naman ang email sa akin. Naglolokohan lang kami. May magtetext pa na add daw sila sa facebook at magbibigay siya ng bonus. Ano sira? 🥴
DeleteHi, question lng po. meron po ba dito lately na naka received ng email from UB for payment settlement option? ang sabi sa email is collections department and UB cc default daw ako pero acct. # starting po sa 00. tinawagan ko po un collection ng UB ang sabi bka daw ho meron akong citibank cc ang sabi ko wala po akong citibank cc. or baka daw personal loan pero that was way back 2013 or 2015 na po nun na default ako? meron po ba dito maka advice kung anung magandang gawing sa ganitong scenario? Thanks.
ReplyDeleteLet them first prove that you have a defaulted loan. Then its either you negotiate and settle it if funds are there or you fight in court. Both of which takes time and.mo ey
DeleteKumusta po? Nakaka stress mga nagpupunta sa bahay na para bang sa kanila ka may utang. Pano po kung may binabayaran na sasakyan at pagkatapos ng car loan, kukunin ba ng bank ung car?
ReplyDeletei recently received a notice of garnishment from one of my bank. :( it has 10k on it so I couldnt able to transfer it na since nakahold na sya. And im afraid they would do the same to other banks I have. Help please anyone here na nakareceive na ng notice of garnishment. What did you guys do? This is giving me anxiety.
ReplyDeleteMadamme email ng garnishment agad nareceive mo? Wala po ba trial eto
DeletePINAL NA BABALA!
ReplyDeleteIsang criminal case ang isinampa laban sa iyo sa Regional Trial Court para sa Estafa (Art. 315) at Swindling (Art. 318) ng Revised Penal Code. May sapat nang ebidensiya, at ang pagdinig ay sa Marso 17, 2025. Hindi pagtugon = agarang subpoena/summons.
Dahil sa patuloy mong hindi pagbabayad, isasampa na ang Collection of Sum of Money with Preliminary Attachment. Maaaring kumpiskahin ang iyong mga ari-arian, i-garnish ang suweldo, at ikaw ay ma-detain sa CIDG custody.
AGAD NA MAGBAYAD upang maiwasan ang mabigat na legal na aksyon!
Violation of Revised Penal Code pero Sum of Money ang i-file which is a Civil case?
DeleteCrazy lawyer.🤣
Hello po Banker, naka-receive po ako ng text saying these:
ReplyDeleteGood day, This serves as STERN AND STRONG FINAL WARNING from FF MÀGTÍBÀY LAW OFFICE,on behalf of CollectÍÚs Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded.
Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, FF MÀGTÍBÀY LAW OFFICE on behalf of COLLECTÍÚS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers ...
What to do po?
Hopefully may makatulong po sa akin, na-receive ko lang tong text message na to ngayon (March 19 , 2025)
ReplyDeleteGood day, This serves as STERN AND STRONG FINAL WARNING from FF MàGTíBAY LAW OFFICE,on behalf of Colleéctíus Philippines for your EASTWEST BANK acquired account. For how many times and in several attempts, our company sent its repeated demands for you to settle and pay your obligation but still unheeded.
Thus, AGAIN we will be giving you only until March 21 2025 from receipt of this letter as your last opportunity to pay your Outstanding balance. Otherwise, we will proceed in securing the necessary warrant and writ against you, affecting your real and personal properties including your bank accounts once garnished through court process.
Be that as it may, FF MàGTíBAY LAW OFFICE on behalf of COLLEéCTíUS is willing to work on reasonable terms with you, just to settle this matter amicably. As such, you may contact these numbers 0... and look for VINCENT. Thank
Ano po gagawin ko?
Meron na po ba dito naka receive ng FINAL DEMAND letter galing mismo sa BDO collections with letter head ng bangko tas jRS ang nag hatid? defaulted po ako nung 2022 sa knila, @retired banker, pag po ba d ako nag bayad within 5 days na sinasabi sa letter eh makakasuhan nako? 87k po ung nasa amount nung letter, TY po.
ReplyDeletedo I have your cp/email add na po ba?
Deleteyour e-mail add was not recognized by gmail.com ( instead, cp number na lang?)
DeleteHello po uli, naka-receive naman po ako ng another email from ca kahapon (March 20), Demand with Notîcé to Sue.
ReplyDeleteWe write on behalf of our client, COLLèCTíUS PHILIPPINES, who duly and legally acquired your delinquent account from EASTWEST BANK1 PH under this account number . Records show that you have continuously failed to settle your outstanding balance amounting to Php 57xxx up to date. The actual outstanding balance will vary based on penalty and/or interest applicable until you have fully settled your obligation.
Several demands were made but went unheeded. Therefore, FINAL DEMAND is hereby made upon you to settle your outstanding loan obligation in full. Your failure to comply with the foregoing final demand within FIVE (5) DAYS from receipt hereof will constrain us to institute the necessary legal actions, whether criminal and/or civil. By then, we shall be demanding from you the appropriate amount of damages, attorney’s fees, and litigation expenses due to our client.
Ano po gagawin dito? Pasensya na Po sa abala
can you provide me with your e-mail or cp number? ( it won't get published)
Deletee-mail sent. 👌
DeleteHello everyone. Out of topic inquiry po, I just want to get your opinion. I have 2 credit card delinquent accounts, one from EWB and the other is from BPI. I am planning to apply for a Pagibig Housing loan, would that affect my application? I recently availed for a credit report through an app and my score was low. Now I'm worried that I might not get approved sa Pagibig. Your honest opinion will matter to me. Thank you.
ReplyDeleteMeron pong nag email sa akin about sa utang ko sa CC.totoo po ba kaya to na kapag nagbayad ako ng 50% sa kanila ay settle n ako. Please enlightened po ako..
ReplyDeleteBy: ATTY. FRANCO SAMSON.
ATTENTION!
Dear Debtor/ BORROWER,
This is HARRY from the office of Atty. Franco Samson Legal Department of Bank & Trust Company,
Please be aware that the status of your account is still recommended for Court Settlement. Despite repeated reminders and follow ups, our Officer is still giving you a chance to avail the Program instead of paying the whole amount of your Outstanding Balance. You can pay the discounted amount 50% Less from your Outstanding Balance. This extension is valid until On or Before APRIL 10, 2025 only.
If you still failed to settle your account. Our office is proceeding for the file for writ of attachment and also requesting a formal court hearing on MAY 5, 2025. This procedure is a Legal process based under Article 315 of Revised Penal Code of your unpaid debt. And Expect our Legal team for Execution of your property.
Thank you,
Legal Assistant
Office of Atty. Franco Samson
Hello Banker and peeps..
ReplyDeletePano po kaya maganda gawin or na experience nyo na po ba at naulit ba.. Ang lungkot lang kasi.. Un CA crook ang ginawa ng punta sa barangay.. Ang segway nya tinatanong nya un number address ko kahit madali naman hanapin ilang houses away from barangay lang.. Nagkataon andon ang Nanay ko may kausap.. Pinareceive nya un sulat sa nanay ko at nagbigay ng number ng agent nila.. Hindi po ba bawal un pagtatanong nya pa sa barangay san address ko.. O para paraan nila para mangulat..hindi ko naman kaya tlg makabayad pa.. Paano po kaya pag don pa rin sila sa barangay bumalik.. Nahiya ako sa Nanay ko kahit alam nya na namroblema ko. Salamat po
Hello po. Itatanong ko lang po, paano po kung nag issue ng cheke sa bangko? Personal loan po. 5.years default na po. Puro about credit card po kasi ang nababasa ko dito. And kahapon lang po nabuhay na naman si CA. May business po kasi noon at dahil sa pandemic bumagsak ang business namin. Nagka cancer ang tatay ko, at kami lang po ang nagpapagamot sakanya. Pero kahapon makulit talaga itong CA. Nanghihingi pa siya ng kahit 5k daw which is alam ko naman na sakanila lang mapupunta. Sabi sa bangko daw ideposit para sure na legit. Tapos bp22 nga daw case ko kasi nag issue nga daw po ako ng cheke. Paano po ba sa mga personal loan na kagaya ko? May mga personal loan din po ba dito? Maraming salamat po sa inyo.
ReplyDelete