Ngayong Lenten Season, panahon ito ng pagninilay.
Sa mga credit card defaulters, gamitin natin ang panahon para huminto sandali at magpahinga, at aminin sa mga sarili ang pagkakamali, at matuto sa mga naging desisyon sa paggamit ng credit cards at pera.
May takot.
May hiya.
May stress.
Pero hindi ito katapusan ng buhay.
Minsan, pinapadaan tayo sa hirap para matutong maging mas maingat, mas matatag, at mas mapagpakumbaba.
Kung wala pang pambayad, huwag munang mag-panic.
Magdasal. Mag-isip. Magbasa. Ayusin ang priorities.
At higit sa lahat, huwag kalimutan ang aral.
Ang utang ay problema lang. Hindi ito ang buong pagkatao mo.
Sa tamang panahon, makakausad ka rin.
Hindi man mabilis, pero unti-unti.
With faith, wisdom, and lesson learned.
Forget the debt, but do not forget the lesson.
I got an email from a credit card collection law office asking for my updated contact number. Actually, my contact number and even my email address which they have is the same. My question is: Shall I make a reply or shall I just disregard it? I have been receiving their calls not from live person but from a pre-recorded one asking me either to make a return call at their given time or have me connect to their waiting staff. I usually opt to make a return call but I did not do it.
ReplyDeletecollectors begging you to contact you for the sake of getting their commission 🤣
DeleteLegit po ba yung email regarding scheduled property disbarshment dahil sa unpaid credit card, kindly enlighten 😞
DeleteScam 😁
DeleteThank you po🙏
DeleteMy Lenten Message : To all who sent something for the street children and the less fortunate, THANK YOU. to those who promised but were not able, I know you were on Visita Iglesia. God bless you all
ReplyDeleteLegit po ba yung email nareceived ko April 6, Notice of scheduled property garnishment, which is on April 10 at 3pm, coordination has been made na daw sa brgy under the authority of sherrif Doy Lacorte.
Delete..
Pls help me enlighten , unpaid cc last pandemic pa, minsan nagrereply aq sa demand letter thru email,, pero minsan no reply din..
nag ooverthink na naman aq, stress and anxiety na naman 😞
e3u73f5qu@mozmail.com
DeletereTired banker, Sent you an email
DeleteHindi po totoo yan, ganyan din ginawa sa akin tumawag sa barangay namin, sabi ko sa barangay nang i-isscam lang yan. Kaya pag may tumatawag sa barangay sinabihan sila na hindi sila nag e-entertain ng tawag lang.
DeleteHello banker! I received a text messaged from Eastwest po mismo.
ReplyDelete[EWB] EWB Advisory: MR./MS. Xxxx: This message serves to remind you that your EastWest Bank Credit Card ending in xxxx is under evaluation for possible legal action. EastWest has proactively sought to assist you by offering various repayment options and payment holiday since last year. In recent months, while the bank has been reaching out to you via calls, SMS, field visitation and email, your account remained unpaid. Failure to update your account is in violation of the Terms and Conditions Governing the Issuance and Use of EastWest Bank Credit Cards. Please settle your Outstanding Balance of PHP266,512.11 or AVAIL OUR ONE TIME PAYMENT offer of PHP115,200.00 on or before 17-Apr-26. Else, we will be constrained to endorse your account for possible legal action. Please call 09665315824 | 09998429587 | 09543983444/ to avail or should you need further assistance. Please disregard if full payment has been made or if you are not the intended recipient of this message. Thank you.
First time na manggaling yung text from Eastwest mismo..Nag kakaso po ba ang EW? I was worried dun sa possible legal action na mention. Thank you.
collectors and EWB staff have a commission sharing arrangement using carrot and stick approach.
Deleteif you are not from DPWH, no worry about ..Nag kakaso po ba ang EW
press delete lang 🤣
Ang harass nila, metrobank rgs collection daming sinasabi.ipapakulong na daw ako.
ReplyDeleteNagkakaso po ba ang metrobank?
ReplyDeleteemail sent
ReplyDelete✔
DeleteHello po. Can the bank file for estafa for failure to pay a loan? Legit docs naman po ginamit ko. Just got sick and prioritized other obligations.
Delete1. failure to pay a loan is like obtaining a housing loan but you failed to pay. bank can sue you for "Sum of Money" or foreclosure of mortgaged property.
Delete2. estafa is if you obtain a loan and you have a fake identity or fake title which is considered as "fraud"
😇
Thanks po for the reply. Appreciate it po. ☺️
Deleteyou're welcome 😇
DeleteMetro bank cc defaulter here, tanong ko lang po if may kinasuhan na po ba si MCC na defaulter? Salamat po sa tutugon.
ReplyDeleteupon experience with metrobank binigyan nila ako ng affordable na total pda ko na makatarungan mabayaran unlike BPI na sobrang taas maningil like sobrang lagpas na sa total credit line mo. puede mo negotiate na mapababa ung babayaran mo sa kanila.
Delete2021 pa ako defaulter ng Metro nag message ako kay ms.cherrylou that time and sabi nya di naman daw nag file ng case si metrobank..hindi sila nangulit since 2023..ngayon na lang ulit sila naging active
ReplyDeleteOo nga po very active sila lately kaya Napa check ulit ako dito. Very aggressive sila ngayon.
DeleteAko naman since 2020. Na fraud ung platinum card ko ng worth more than 300k nung 2019. Tagal ko na nakipag back and forth email sa Fraud dept ng MB pero at the end of the day pinagbabayad pa din nila ako, inside job feeling ko ngyari since alam lahat ng details ko even my home address and office address nung tumawag. Hinde pa ganon ka talamak ang fraud nung 2019. Don ako nagstart tamarin magbayad sa MB. Bakit ko babayaran ang perang di ko naman ginamit, naireport ko naman agad pero they didn't listen.
DeleteNaka experience ako ng sobrang stress halos nitong nakaraan lang, 2 weeks kami na halos inistress ng mga taga RGS collection so nag report ako kay metrobank. Ito reply nila
ReplyDeleteWe understand that you are presently undergoing financial difficulties.
We wish to inform you that interest and late fees will continue to incur at the current rate in accordance to the Terms and Conditions of Metrobank Credit Cards should the card remain unpaid. Also, please be advised that you may still receive service reminder emails, SMS or calls for the payment of your account.
Further, please be advised that your account has been endorsed to one of our accredited collection agencies. Please call VALEROS VELASCO BUSINESS SOLUTIONS INC. at 8741-4416 or email them through the following email addresses for available payment options. You may also email them through below:
If you have any question or require further assistance, please let us know. You may email or call our Collections Hotline at (02) 8870-0970 or (02) 8870-0711, 0919 0598710-29 or our Domestic toll-free number at 1-800-1888-5775, from 8:30AM to 5:30PM on banking days. We will be very glad to assist you.
Sincerely,
Collections and Recoveries Division
Consumer Business Sector
Metropolitan Bank & Trust Company
/GBD
Hello
ReplyDeleteMeron ako 10 cc before and now 8 out of 10 na ang settled. BPI & Robinsons bank nalang di ko nsesettle.
Now my problem is ung EWPL ko. Nagparestructure na ko gawa ng nalyoff ako sa dti kong work. From 11k plus monthly amort. Naging 3710 nalangbdya. Kaso mabgat pdn tlga skn dahil lubog tlaga ko sa mga bayarin ko.
Kasi from 52k na shod now sa bgong work 26k nlang so talagang mnmaximized ko ang sahod ko. Kaso di talaga kaya. Maforfeit kya restructure ko if ever d ko mabayaran un? Struggling talaga ko. Or ngpfile kaya civil case si EW? Nclosed nga pla checking acct ko since nde sya funded and over the counter ako mgbbyad ng PL ko. So far kng magkano ung amort ko yun lang naman sinisingil sa akin.
Hello po planning po na unti unti mag settle na sa mga pinag kaka uutangan. I have 4 default cc since 2023.safe po ba ung mga collector na nag eemail sakin magbibigay tlaga silang certificate? I have SP madrid for Hsbc, Cendana Credit and Collections for Metrobank yan muna 2 sana. Thank you in advance anytips din po
ReplyDeleteHello po. Been an avid reader since pandemic. May 2 MB ccs akong default then recently etong SB ko hinde ko na din kinaya bayaran. Both banks have outstanding balances of 1M each. Now, nagbabasa basa ako regarding IDRP. Pero ang hirap pala kasi macclose din daw lahat ng active mo pang cards kahit wala namang issue sa payment. Hinde ko maafford na maisara ung 4 active ccs ko na plan ko talagang i-keep for life. Asa 40s nako, with 2 kids, breadwinner and have 2 senior parents na sakitin. Would you think waiting for amnesty is a good option since wala din naman akong pambayad pa sa utang. Nakailang house vist na din na din SP Madrid sa bahay pero wala na kami sa Manila asa probinsya na kami, nagbilin nalang ako sa kapitbahay na wag tatanggap ng letter from them. Ang active nga pala ni Metrobank maningil, parang bumangon sa hukay ang mga CAs nila pero minsan sa kanila talaga galing email. Appreciate any advice.
ReplyDeletee3u73f5qu@mozmail.com
DeleteI have a delinquent credit card with Metrobank. Metrobank collections internal team offered me an amnesty or big discount but di ko agad nakita email nila, kaya nung mabasa ko tapos na offer period. I replied na gusto ko iavail ang offer kahit expired na. Few days bago sila nag reply pero this time si collectio agency na and inextend nila offer. Question - should I deal with collections agency ba or sa internal collection department nila?
ReplyDeletevery active ni metrobank ngaun. may email blast yata cla.. same question, pano makikipag deal dun sa offer kung gusto n nting masettle kung may budget na? ano need nting hingin or gawin? Kasi parang may nabasa ako dto na nkipag arrange tpos parang nawala lng din kasi npunta n sa iabng collecting agent na nman ung account
ReplyDeletethere's an app which "coordinates" a bank with a collection agency to do the job. how? IDK. but the best move is to dare them to sue you!
ReplyDelete( honest). they'll think twice. explain it later to you if you wish 😇
Magtanong lang po, meron po ba nakasuhan na hindi po sya nakatanggap ng summon sa korte? At nagtuloy tuloy ung kaso? Mag po-four years na po akong delinquent wala po ako natanggap na summon sa apat na bangko na delinquent ako. Ung tatlo very active po sila sa paniningil at palagi lang nag de-dare na kasuhan ako pero alam ko hindi sila nagkakaso. Medyo nagaalala lang ako sa BDO kasi tahimik sila iniisip ko baka may nakasampa ng kaso sa akin na hindi ko pa alam at magkaroon ng garnishment at mabulaga na lang ako.
ReplyDeletereceipt of summons defendant is required for the court to acquire jurisdiction. puede substituted service if defendant cannot be found but it can be refiled again once located eventually.
DeleteHello po, how about online apps po like juanhand nag email ako sa kanila kung pwede ganitong amount lng i pay ko until ma fully paid kasi yun lang ang kaya at gipit talaga nagpupumilit pa din tumawag, medyo na anxiety na po ako e di makatulog, mas okay sa email mag usap pero nang haharass daw sila at tumatawag sa phone contacts
ReplyDeleteMay tanong lang po. Miron naba ditong na sheriff ang car dahil sa default cc or personal loan? Basic car with 6 years+ old. Hahabulin paba ito ni bank?
ReplyDeleteI have also total of 10 default cc with different banks and 2 active. Default started since 2023. May default PL din ako.
But my status today is totally broke after typhoon odette hindi na naka bangon at naka sakit pa ng anxiety
I don't have work right now.
I don't have savings
I do small income by sideline services
May concern lang is ma sheriff ba car ko? Fully paid na ito but still in annotation sa bank kasi hindi kopa na process. Nagagamit ko din kasi ito to generate small income kaya subrang worry ko. Kailangan kona bang i transfer ito sa ibang name para hindi pa sheriff?
Miron naba ditong na sheriff ang car dahil sa default cc or personal loan?
ReplyDeletenone, unless you don't have a release of mortgage on your car.
You mean safe pag hindi na release of mortgage ang car ko?
DeleteSorry po naguguluhan lang ako sa paliwanag mo. Klarohin ko lang.
DeleteMy car is a Bank AutoLoan for 5 years and I'm done paying on it. Fully paid na ako. Kaso hindi kopa na process yung documents. Yung original CR nasa bank parin. At yung CR ko na copy may naka lagay na bank annotation pero naka pangalan sa akin.
My concern is: pwedi ba itong ma sheriff ng bank dahil sa default CC and PL ko? Or may na sheriff naba ditong car dahil sa cc at personal loan?
Good day po sa lahat. hihingi lang po sana ako ng advice.
ReplyDeleteDefaulter po kasi ako sa mga bank na ito sa list.
Metrobank (2 cc)
RCBC (1cc)
Unionbank (1cc) (1 Personal Loan)
Atome (1cc)
Ask ko lang po if may naka experience na po ba na kasuhan ng mga banks na yan. Or alin po sa mga yan ang notorious mag file ng case. Naiistress nanaman ako kasi naging active nnman ang mga yan sa pag collect.
Sana po ay may makabasa nito at makasagot para gumaan ang stress na dala ko.
Maraming salamat po.
May nag complain po ba sa site na ito. Kasi po pag bubuksan ko po ulit sya nakalagay po blocked.sbmd.cicc.gov.ph? Kaya lang po ako nakapag comment dahil hindi ko po na close ang site pero pag bubuksan ko sya na panibago yan po nakalagay.
ReplyDelete