Happy 2026 @reTIRED banker, thank you for all that you do kahit newbie ako dito, madami ako natututunan and hopefully mas mabawasan ang depression dahil sa cc debt. Cheers to more burgers for the streetchildren...
Hello po good day, ilatag ko lang po sana ang aking situation... Currently, may utang ako around 3M... composing of utang sa tao, credit cards, personal loans, and utang sa lending apps like home credit. Balak ko po ay unahin muna ang dalawang tao na nautangan.
Ngayon, worried po ako sa security bank ko, around 800k utang sa credit card sa kanila, and I alao have 168k outstanding balance naman sa BPI personal loan, tig 200k sa metrobank, EW, Maya credit card.
I understand na I can ignore calls, however, nag aalala po talaga ako sa garnishment.. I currently work sa university though Contract of service status,, nag woworry ako na baka kapag maging permanent na ako, ay eventually ma hold ang payroll ko, (DBP - Development Bank of the Philippines) though wala ako utang jan.
ito ang mga worries ko: 1. What if multiple banks ay nag push through sa pagkaso? 2. Do I need to attend all of the hearings sakaling magpatawag sila? 3. Currently, I am saving for future settlements, but I am worried baka ma hold ang bank accounts ko...
Hi @ Flyme09 ask lng po sa 2mos past due nyo anu po ginagawa ng bank ? Ako po now pa lang ako nagpast due nagtawag na po kanina nasstress po ako pag tumatawag ako po sa government naman nagttrabaho di ko din po alam amg gagawin
Hi Risktaker! Gaya ng lagi sinasabi ni banker, pag wala talagang pambayad "forget the debt but not the lesson." Naiintindihan ko ang takot mo kasi same sa nararamdaman ko kahit nagkakalakas ng loob sa dami nakakausap eh di mawawala ang takot kahit ano gawin kasi di naman natin gusto di magbayad, sadyang wala lang talaga maibayad. Napagdaanan ko na ang di makatulog pero ngayon nakakatulog na ako, mas madaming calls and text dahil 4 months na akong overdue, nilipat ko muna sa ibang cellphone yung sim na connected sa bank para nako contact pa rin nila.
Nakareceive po ako mismo sa unionbank na text na magooffset sila sa existing deposit accounts ko. Problema ko po doon cinecredit payroll. May nagsabi na automatic offset daw yun pagkapasok ng sweldo. Nung tumawag akp sa unipn, masa rgs at madrid na accpint ko at doon daw akp magnego. Pero nakita konpo dito na hindi po sila dapat ang kausap. Natatakot po ako sa auto offset at mawala sweldo ko. Paano po ang best na gagawin?
Good day po. Ask ko lang po. If legit po ba tong email na nareceive ko from CMAP daw or pananakot lang po?
FINAL NOTICE PRIOR TO ENFORCEMENT FINAL NOTICE PRIOR TO ENFORCEMENT:
This letter serves as your final and official notice regarding multiple criminal and civil violations resulting from your continued failure to fulfill your legal and contractual obligations. Despite previous attempts to reach a resolution, you have remained unresponsive. As a result, this matter is no longer subject to negotiation. Be advised that Branch 60 of the National Capital Judicial Region, Makati City, has issued a Court Order authorizing immediate enforcement measures. The following legal provisions are applicable to your case: Criminal Violations (Revised Penal Code): · Article 315 – Estafa: Committing acts of deceit resulting in financial loss to another party. · Article 316 – Other Forms of Swindling: Engaging in fraudulent transactions. · Article 318 – Use or Possession of False Documents: Utilization or possession of falsified documents. Civil Violations (Civil Code of the Philippines): · Breach of Contract: Non-fulfillment of contractual responsibilities. · Failure to Comply with Lawful Obligations: Violation of provisions under the Civil Code. · Collection of Sum of Money: Non-payment of verified financial obligations. You are hereby given twenty-four (24) hours from the time of receipt of this notice to take immediate and appropriate action. Failure to comply will result in the execution of the court order, which may include but is not limited to: · Seizure of assets and garnishment of property · Enforcement coordination with barangay and local authorities · Additional legal fees, penalties, and collection expenses · Initiation of further civil and criminal proceedings This is your final opportunity to resolve the matter and avoid full legal escalation. To settle this case, please contact the Credit Management Office immediately at 0935-945-9367 and look for Attorney Abraham Ramos II. We urge you to treat this matter with the seriousness it warrants.
We urge you to treat this matter with the seriousness it warrants. Failure to act will lead to immediate and irreversible enforcement action.
Barangay Coordination for Address Verification: For the sole purpose of verifying or locating your current address, we may coordinate with your local Barangay. Please be assured that, in compliance with the Data Privacy Act of 2012, no details of your account or the nature of your obligation will be disclosed to Barangay officials.
Field Visit by Authorized Service Provider: A field visit may be conducted by our duly authorized third-party service provider, MVP Account Management and Recovery Inc., to confirm your address and facilitate a settlement discussion. This service provider is bound by strict confidentiality and data protection obligations and will present proper identification upon their visit.
Optional conciliation: If you expressly consent, we may request the Barangay to facilitate a conciliation meeting between you and the Bank’s authorized representative to discuss possible settlement in a neutral venue.
Happy 2026 @reTIRED banker, thank you for all that you do kahit newbie ako dito, madami ako natututunan and hopefully mas mabawasan ang depression dahil sa cc debt. Cheers to more burgers for the streetchildren...
ReplyDelete💖💖🤗🤗
ReplyDeleteHello po good day, ilatag ko lang po sana ang aking situation... Currently, may utang ako around 3M... composing of utang sa tao, credit cards, personal loans, and utang sa lending apps like home credit. Balak ko po ay unahin muna ang dalawang tao na nautangan.
DeleteNgayon, worried po ako sa security bank ko, around 800k utang sa credit card sa kanila, and I alao have 168k outstanding balance naman sa BPI personal loan, tig 200k sa metrobank, EW, Maya credit card.
I understand na I can ignore calls, however, nag aalala po talaga ako sa garnishment.. I currently work sa university though Contract of service status,, nag woworry ako na baka kapag maging permanent na ako, ay eventually ma hold ang payroll ko, (DBP - Development Bank of the Philippines) though wala ako utang jan.
ito ang mga worries ko:
1. What if multiple banks ay nag push through sa pagkaso?
2. Do I need to attend all of the hearings sakaling magpatawag sila?
3. Currently, I am saving for future settlements, but I am worried baka ma hold ang bank accounts ko...
2 months pa lang akong past due
maraming salamat po and blessed new year!
e3u73f5qu@mozmail.com
Deletep.s.
not available today and Sunday po.
puede next week.
🤗
Maraming salamat po, I already sent an email po.
DeleteHi @ Flyme09 ask lng po sa 2mos past due nyo anu po ginagawa ng bank ? Ako po now pa lang ako nagpast due nagtawag na po kanina nasstress po ako pag tumatawag ako po sa government naman nagttrabaho di ko din po alam amg gagawin
Deletemore on calls, emails and texts po,, government employee rin po.. wala po ako pambayad kaya hanggang kaya, deadma lang
Deletehappy new year banker
ReplyDeleteThanks. Hoping for a Blessed 2026 for you 🙏
DeleteHappy New Year banker🎉
ReplyDeleteThanks. You too! 🤗
DeleteHappy New Year Banker!
ReplyDeletethanks! hope you'll have a blessed New Year 🙏
DeleteHello po, please help me
ReplyDeleteGaano po kahigpit si METROBANK sa mga defaulter?
May utang po ako sa card 200k, gaano po sila kadalas tumawag?
Stress na stress na po ako to the point na di na po ako nakakatulog ng maayos😭
Collectors assigned are indeed VERY STRICT - no collect - no commission 😁
DeleteMay harassment po bang ginagawa si collectors?
DeleteNatatakot po kasi ako baka mag eskandalo sa trabaho😢
Mga ilang months po bago ma turn over sa collector ang account?
ReplyDeleteHi Risktaker! Gaya ng lagi sinasabi ni banker, pag wala talagang pambayad "forget the debt but not the lesson."
DeleteNaiintindihan ko ang takot mo kasi same sa nararamdaman ko kahit nagkakalakas ng loob sa dami nakakausap eh di mawawala ang takot kahit ano gawin kasi di naman natin gusto di magbayad, sadyang wala lang talaga maibayad. Napagdaanan ko na ang di makatulog pero ngayon nakakatulog na ako, mas madaming calls and text dahil 4 months na akong overdue, nilipat ko muna sa ibang cellphone yung sim na connected sa bank para nako contact pa rin nila.
Basta di nkabayad ng 3 months
ReplyDeleteNakareceive po ako mismo sa unionbank na text na magooffset sila sa existing deposit accounts ko. Problema ko po doon cinecredit payroll. May nagsabi na automatic offset daw yun pagkapasok ng sweldo. Nung tumawag akp sa unipn, masa rgs at madrid na accpint ko at doon daw akp magnego. Pero nakita konpo dito na hindi po sila dapat ang kausap. Natatakot po ako sa auto offset at mawala sweldo ko. Paano po ang best na gagawin?
ReplyDeleteUnfortunately ang bilis ni unionbank. Naoffset agad sa konting tinira ko. Ano po ang experience niyo? Nakapagnegotiate po kayo?
DeleteGood day po. Ask ko lang po. If legit po ba tong email na nareceive ko from CMAP daw or pananakot lang po?
ReplyDeleteFINAL NOTICE PRIOR TO ENFORCEMENT
FINAL NOTICE PRIOR TO ENFORCEMENT:
This letter serves as your final and official notice regarding multiple criminal and civil violations resulting from your continued failure to fulfill your legal and contractual obligations. Despite previous attempts to reach a resolution, you have remained unresponsive. As a result, this matter is no longer subject to negotiation. Be advised that Branch 60 of the National Capital Judicial Region, Makati City, has issued a Court Order authorizing immediate enforcement measures. The following legal provisions are applicable to your case: Criminal Violations (Revised Penal Code): · Article 315 – Estafa: Committing acts of deceit resulting in financial loss to another party. · Article 316 – Other Forms of Swindling: Engaging in fraudulent transactions. · Article 318 – Use or Possession of False Documents: Utilization or possession of falsified documents. Civil Violations (Civil Code of the Philippines): · Breach of Contract: Non-fulfillment of contractual responsibilities. · Failure to Comply with Lawful Obligations: Violation of provisions under the Civil Code. · Collection of Sum of Money: Non-payment of verified financial obligations. You are hereby given twenty-four (24) hours from the time of receipt of this notice to take immediate and appropriate action. Failure to comply will result in the execution of the court order, which may include but is not limited to: · Seizure of assets and garnishment of property · Enforcement coordination with barangay and local authorities · Additional legal fees, penalties, and collection expenses · Initiation of further civil and criminal proceedings This is your final opportunity to resolve the matter and avoid full legal escalation. To settle this case, please contact the Credit Management Office immediately at 0935-945-9367 and look for Attorney Abraham Ramos II. We urge you to treat this matter with the seriousness it warrants.
We urge you to treat this matter with the seriousness it warrants. Failure to act will lead to immediate and irreversible enforcement action.
Sincerely,
JOHN CLIFFORD VELASQUEZ
Legal Secretary
SCAM ALERT : CMAP is similar to Rotary Clubs 😁
DeleteHi po! Totoo po bang gagawin ni Eastwest po ito?
ReplyDeleteBarangay Coordination for Address Verification: For the sole purpose of verifying or locating your current address, we may coordinate with your local Barangay. Please be assured that, in compliance with the Data Privacy Act of 2012, no details of your account or the nature of your obligation will be disclosed to Barangay officials.
Field Visit by Authorized Service Provider: A field visit may be conducted by our duly authorized third-party service provider, MVP Account Management and Recovery Inc., to confirm your address and facilitate a settlement discussion. This service provider is bound by strict confidentiality and data protection obligations and will present proper identification upon their visit.
Optional conciliation: If you expressly consent, we may request the Barangay to facilitate a conciliation meeting between you and the Bank’s authorized representative to discuss possible settlement in a neutral venue.
Maraming salamat po!
SCAM ALERT : RA 7196 Sec. 48 ; Supreme Court Cir. 14-93
DeleteSalamat po banker. Kung sakali pong merong pumunta ano po pwede kong sabihin sa kanila? Salamat po ulet!
ReplyDeletetell them to research first the above 😊
Delete