The Lies I Heard From My Credit Card Debt Collectors in the Philippines

clickmarbinStarred Page By clickmarbin, 13th Jun 2010 | Follow this author | RSS Feed | Short URL http://nut.bz/.p7bd9c5/
Posted in Wikinut>Money>Debt

One reason why you're here is maybe because you're experiencing threats or harassment from credit card debt collectors here in the Philippines. Be placid, just don't believe them. Because all you'll hear from them are big lies.

I am a filipino credit card defaulter

For whatever valid reasons I have that I wasn't able to pay some of my credit cards here in the Philippines, I know it was all my fault. I am guilty that I stopped paying my credit cards but I should move on with my happy life.

Yes, it came to a point that I feel too worried about these unpaid credit cards, why? That is because of these credit card debt collectors who never fail to call me, harass me, insult me, give some threats, yell at me and what not. They will do everything just to make me feel desperate to pay them. Yes I feel scared at some point in my life...paranoid maybe.

Until one time I dropped by a blog where I found people with the same situation like mine. The blog gives some guidelines on credit card paranoia. Reading the whole content of that blog is maybe a sign from God telling me to stay calm and I must not be afraid.

To cut the story short, I learned that all the things I heard from my credit card debt collectors here in the Philippines are all lies.

If you are experiencing the same things like mine, here are the words you can hear from them too...that you shouldn't believe.

The piece of paper saying they will file you a criminal case RA 8484

I stopped believing this lie when I learned that defaulting credit card is not a criminal case after all. It's just a civil case in the Philippines. I also learned that RA 8484 is a criminal case only for those people who defraud credit card companies, people who faked their identity to get approved for a credit card.

So the question of what will happen with my N.B.I clearance is already answered. N.B.I is only handling criminal cases. Yes, I'm cleared and can work both local and abroad if I want to.

I have a travel Ban...I can't work abroad?

So if this is a civil case, what travel ban these people are saying?
Perhaps, another fantasy from my credit card debt collectors. For sure.

Texting me saying I already have a warrant of arrest

Well if I already have a case and I have a warrant of arrest, why they should have to text it? Would it be great to receive it personally?

Come to think of it, if I am really a criminal and I received an SMS like this, would I not start looking for somewhere far from my home to hide? Again, it is a lie.

A police came to my home giving a piece of paper

And that piece of paper is another final demand letter from my collectors...yay! another bluff! I should have immediately report this police to the higher authority or file him a case of extortion and use that piece of paper as a scratch.

Saying they will get my properties

Without a civil case file in court? and without proper hearing and all that? This is a baloney. And what properties will they want to get from me, my old appliances, the pet cage of my dog, my bath towel, what else?

Why these credit card debt collectors doing this to me ?

At first I thought that they are just concern with me not paying my credit cards. But after they begin showing their true color, I stopped believing that these people are people that I should trust my whole life with as a credit card defaulter. Not these people who all they need to get from me is money. All they want is to collect money from me so that they can feed their hungry big stomachs.

How unfair life is for credit card defaulters like me here in the Philippines. But at least now I know that I have nothing to worry about. They can't do anything to me as long as I know my right.

Things I need to ask credit card debt collectors

Why should I have to pay my credit card debts if the bank is no longer interested with it? if the bank keeps on referring me to the collections agency of some unknown law offices? Why should I have to pay if the only thing that they can give me is the demand letter asking me to pay this incredible amount of 40k pesos in just 5 days. Who they are by the way?

If they can't provide me my statement of account that is certified true by the bank, why should I have to pay? If they can't agree with my terms, with my intention to pay only the amount I can? Why should I force myself to agree and sign on their biased agreement.

What if I don't like to pay them really and they said that they will sue me in court? Then I will dare their bluff, tell them to go ahead and sue me. At least in court, the judge is fair and will understand my situation. 100 % that they will win the case, but one thing for sure, it's a pyrrhic victory after all. Harassment and threats ? I worry no more, because I know I can can complain them to Banko Sentral ng Pilipinas ( BSP ) for their violation of Circular 454.

What did I learn from these situation?

A lot and I learn from my mistakes.I learn so many things that makes me tougher and braver. In this life, there are people who will want to scare me and take advantage of my situation. But what should I have to be afraid of if I know my right? I treat this as an experience, a challenge that will make me a better person in the end.

Up until now, I am receiving words from my credit card debt collectors here in the Philippines, but unlike before, I'm already placid this time. Now that I know all the words that come out of their mouths are nothing but just lies.

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Comments

author avatar scheng1
14th Jun 2010 (#)

So scary. I sure dont want to face this kind of stress

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author avatar Derick
29th Nov 2011 (#)

all collector in philippines like bilkish collection agency are all mouth liers,dont scary all people if you have debt in the other country,no prison by law for debt from bank,

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author avatar Fayr Det
16th Apr 2013 (#)

I have just set up an FB account where all Bilkish's victims of verbal abuse and made-up threats can share stories and decide how to make a brave front against their misdeeds. If interested, you can search for Fayr Det and request to join FB account. Send me your email so I will know also if you are the one asking to be added. This is not mandatory. Join at your own free will.

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author avatar Mary
6th Jun 2013 (#)

Pls add me in facebook

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author avatar Nica ramirez
9th Aug 2013 (#)

Please add me po.

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author avatar Jhan
16th Sep 2013 (#)

I want to know if this credit card collectors are allowed to call my neighbor everyday since they were able to get their number when i was not home when they came?is there anyway i could stop them from calling my neighbor?

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author avatar Neil
27th Apr 2013 (#)

Hello Everyone,

I received an e-mail & text from Bilkish Philippines. Like what everybody is facing. They'er are threatening me any my wife backhome. I'm currently in Saudi Arabia. They also said, they will deport me back to UAE or Philippines to face my case. How true is that? Can they do that deporting me to UAE or Philippines.

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author avatar Carlos
15th May 2014 (#)

dont worry bro.there`s no extradition treaty between GCC countries,you are not a terrorist nor a criminal,if they want it to,tell them..do it..anyway,its between you and the liars from milkish who wanted you to be part of their early bonus and commission.

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author avatar øye
30th Jun 2014 (#)

please help me, theres someone calling me and asking me to pay for my credit card balance 7years ago..i have paid the half of it (15,000) but they are calling my boyfriend all the way here in Norway.. pls, enlighten me up on this.. they are sayong that i should pay the other half within this week..

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author avatar CHAN LEE PENG
14th Jun 2010 (#)

Congrats! You got a star page! Well-written!

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author avatar clickmarbin
15th Jun 2010 (#)

thanks for the visit friends

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author avatar Aliciamae
11th Jul 2010 (#)

we have the same story. glad that i've found people whom i belong to. god bless and thanks a lot.

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author avatar Ladytiger
5th Aug 2010 (#)

Your blog is so informative, thank you for sharing this to us..kudos..!

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author avatar Divina
14th Mar 2011 (#)

thank you very much

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author avatar Bbri
5th Sep 2011 (#)

very imformative and well written

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author avatar Natasha Head
15th Jun 2010 (#)

There are good people who will bend over backwards trying to deal with these collectors, who have fallen onhard times and don't have the means to pay...It's a crazy world we live in, and I guess these guys are all the same no matter where you're from! Good write, thanks for sharing.

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author avatar Janrufon
16th Jun 2010 (#)

Very informative article.

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author avatar Banker
2nd Jul 2010 (#)

Thank you for spreading the LIES, their lies, that is.

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author avatar Aliciamae
11th Jul 2010 (#)

thanks a lot for sharing your story with us. i have the same story and knowing that i am not alone makes me feel stronger.

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author avatar Karen
8th Aug 2010 (#)

FAB! thank you so much for the information... I am so happy.. this is such a big help to me and to my family who have been harassed by the collectors.More Power! Clickmarbin and Banker you will be in my prayers...

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author avatar Roan
1st Sep 2010 (#)

I just received a call from Citibank Collectors. They said they will file a complaint at the Baranggay. I'm wondering if this is true...

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author avatar Mel
13th May 2011 (#)

Same here, mine is from another credit card though. Can they really file a case in baranggay. Not that I care but I'm curious.

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author avatar Rose
6th Sep 2010 (#)

a policeman come to our house and look for me then he read a message in his cellphone a txt message coming from a law firm is this appropriate that a case is only send thru txt

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author avatar Mariz a.
1st Oct 2010 (#)

ive rcivd month ago a summons letter fr.rtc pasig whom already a case# of lending comp. that i used to loan 8yrs ago

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author avatar Steph
27th Apr 2014 (#)

Hi Mariz! What happened to your case after?Thanks.

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author avatar Kenyron
2nd Oct 2010 (#)

i want to get my NBI clearance but because i have a problem on Credit card.. im so worried if i can still get my NBI clearnce.. please help me..

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author avatar Carl
21st Jan 2013 (#)

Basa basa po tayo, nasa taas na sagot dito.

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author avatar Kenyron
2nd Oct 2010 (#)

Will default on credit card payments affect nbi clearance?! please

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author avatar Ellicec
6th Oct 2010 (#)

thanks for the info. now i know how to deal with them...

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author avatar Unknown
16th Oct 2010 (#)

thanks! they're bugging my family in phil. So pissed of them doin that...

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author avatar Louie
31st Oct 2010 (#)

tnx a lot!....this is very helpful...
now i can rest and take a good night sleep...

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author avatar Fil
19th Nov 2010 (#)

I appreciate a lot what you shared. Right now, I am experiencing this kind of harassment. We even come to the point that this collector is already threatening me. I am beginning to lose my temper. I am already thinking of going to this law firm and give this ass hole collector a dose of his own medicine. I am already thinking bad things which i know I will regret it. Thank you very much for the sharing.

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author avatar Pretty-in-pink
9th Dec 2010 (#)

what if they go personally to your workplace and tells you to pay them right at that very moment and would threaten you that they won't leave the building until they get something from you... what is best to be done here? it happened to me!!!

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author avatar Brandon Beaver
30th Dec 2010 (#)

Hi Pretty-in-pink, it's already a violation of your right if they did that to you! you can file them a case. This is happening to me now, an asshole from HSBC keeps on texting me and calling my cell, demanding I pay them a downpayment of 25k for my 75k debt. That's ridiculous! Also, try not to raise your voice o them, and don't loose your temper...these idiots will be put at bay once you know you rights and smack it to their faces! Mabuhay!

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author avatar Worried lady
12th Jan 2011 (#)

I am also worried with my citibank which I issued a PDC last two years ago. I used to pay them within that two year period but this time I could no longer afford to pay because of my health condition and my medicine expenses every month. In short, I have not paid them for 4 months and they are calling me right now to pay them. What will I do>? Can they sue me because of closed current account to which I issued them PDC? Please help me...

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author avatar RMD
18th Feb 2012 (#)

Yes.. they can sue you for that.. Issuing PDC's and failing to keep up on it is a criminal case of estafa and can be subject to imprisonment. Whereas, credit card debt is not a problem.. it is only a case filed in a civil way.

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author avatar Shaken
18th Jan 2011 (#)

Our front desk officer just got a call from a certain "PO3" and was asking for me. I didn't buy the threat for I am aware "he" is fake.
Despite all that I have read about these credit collectors, I was so shaken and was as cold as ice.
PO3 will be here this afternoon to serve my warrant of arrest if I would not call right now a certain mobile no. of a certain lawyer (I refuse to name names because these may just be used in vain by these inconsiderate people).
Wish me luck!

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author avatar Hopeful
19th Jan 2011 (#)

hi...since i'm new here...just want to ask if that PO3 really came? what happened?

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author avatar Maui
23rd Aug 2011 (#)

this is exactly happened to me today.. an PO3 from QCPD called me informing the i have a warrant of arrest to be send the following day in our city . then i asked them what case? she just told me that she dont know. theyre not allowed to opened it coz its sealed. she gave me a landline number and a mobile number , we keep on calling but nobody is answering . she told me that its the number of the Chief of Quezon city police department... ?????????????.. so threatening ..but i just ignored her... dont know what they will do next..

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author avatar Hopeful
18th Jan 2011 (#)

I am also being harassed by hsbc collection agents...through the domingo molaer law services...they went to our house and my mother-in-law was the one present then, they gave them a letter from the firm printed in a half sheet of bond paper...with signature but no printed name below it...and they told me they will be assessing my properties and capacity to pay...and if i fail they will file case against me using RA 8484.... my mother-in-law is so afraid because they told her that i have to pay i don't want to lose my job....this is against the BSP Circular 454....am I right?

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author avatar Frantic
11th Feb 2011 (#)

hi, i received the same message from the same law firm, just curious, did they really come to asses your properties? how about RA8484, did they really file the case? thanks

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author avatar Amaya
16th Apr 2012 (#)

i have also experienced that...just last week while i was out, somebody went to our house and left a note, take note...1/8 note stapled with calling card...and it was stated there...my spouse would also be included in the case they are filing!! so ridiculous!! they are doing all means to get money from us...!! which i believe did not really came from the bank!!

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author avatar Weng
9th Jun 2012 (#)

can u pls try to email me back, i have ds kind of prob too. wenglad1311@yahoo.com

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author avatar Weng
9th Jun 2012 (#)

8s for amaya..ty..

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author avatar Annie
1st Oct 2013 (#)

Omg its the same molaer form bugging me and sending me emails everyday. Lol she cant call me as im in the uae, but i bet she'll harrass my dad soon so warned them bout it they cant hunt me anyway. Theyre asking me to pay 40k but theres no where in the uae to send money to them. So guess theyll just have to wait till im ready

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author avatar Stressed
13th Feb 2014 (#)

we have the same collection agency (molaer) they keep on sending me letters regarding my credit card. last one i a final warning "daw" what will i do? your response to this is very much appreciated thanks heres my email add : mercy_ramosocampo@yahoo.com again! thanks!

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author avatar Kurt
10th Mar 2011 (#)

thank you so much for this....it really really help for me. later afternoon i received a text message"Your deafening silence and non-response indicates
your malicious intent and unjustified refusal to pay your obligation to HSBC. You have until tomorrow to pay 23,000 from 40 K otherwise you will leave us no other recourse but to proceed with whatever legal drastic proceedings against you. With Writ of Attachment if Legally Warranted and WHATEVER PROPERTIES WILL BE LISTED IS SUBJECT FOR SEIZURE W/O FURTHER NOTICE AND DELAY.De Guzman law office, THE DECISION OF THE JUDGE IS FINAL AND NOT APPEALABLE."

Thank you I known better my right. Not afraid at all.

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author avatar Ravio
23rd Apr 2013 (#)

This is ignorant statement from credit card collectors. Our judicial system entertains appeals and review cases filed and decided by lower courts. This is why we have Court of Appeals and Supreme Court.

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author avatar Jane
19th Mar 2011 (#)

i am so afraid because i have loan from 2 banks i issued post dated cheque but unfortunately after half of the terms im unable to pay them due to my condition they keep sending me some papers about the case that they will file. Im so paranoid because they knock in my door once a week....they can file me a case for bouncing check its a criminal case it will affect my work and i cant work abroad..please help

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author avatar Jane
19th Mar 2011 (#)

anyone could help me with this? like for exam 18 months was my term in china trust i already paid half of the terms and due to some circumstance and avoidable expenses of our family i stop paying the loan..when the statement of account the paper saying they will file a case if i will not settle the 110000..but i only loan 48,000 or 55000 including the interest..and the fact i pad half of it suppose to its just like 25,000 is the remaining balance it went up to 110000..they will file criminal case bouncing check etc...

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author avatar Len
26th May 2011 (#)

@Jane, up to now my sister is still free, never been sued by china trust, its been 5 years ago since her loan was granted....she never pay any single centavo coz up to now she has financial problem.

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author avatar April
8th Aug 2011 (#)

how did that happend? did they send her any subpoena's or any demand letter?

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author avatar Chubby Cheeks
21st Nov 2013 (#)

hindi ba na raise sa fiscal yung "case" since under BP 22 daw ito? i'm scared kasi

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author avatar Andrea
5th Apr 2011 (#)

I have 200,000 debts in my credit card and i have some financial difficulties lately, what will happend to me? Bank can file a case to me?

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author avatar Rowel
4th Jun 2011 (#)

Hi Andrea, would you mind if i ask which bank is that you have a 200k debt?
mine is 121k but the credit collector has ballooned it to 169k. its really a Ballooney! im not afraid of them. I will call them up and tell them that i will sue them.LOL!

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author avatar Desiree
30th May 2011 (#)

can i file a bankruptcy, i can't pay my debts anymore because of financial problems i am facing right now, the collection agents continue to harrass me, what will i do. please help.

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author avatar Aj
6th Jun 2011 (#)

I also encountered this kind of lies from a credit card collectors.. they also told me that the will come for an occular visit to check my assets.. I just ignore them.. they did not come after all.. why? because they know that if they do,they will be 100% in jail now.. and their lawyers and law offices can be filed for disbarment case for extortion and unproper use of their profession to gain profit from people like us.. :) extortion is a human rights violation..:) know your rights! It is the best protection we have against people like them..

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author avatar Aj
6th Jun 2011 (#)

@ andrea you dont have to file a bankruptcy. just ignore the collection agents.. they are just trying to scare you.. ignore them that's the best thing you can do.. no one can be sent to jail just because of not paying your debt.. it is a human rights violation.. how can you pay them if you are sent to jail?? just ignore them..

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author avatar Aj
6th Jun 2011 (#)

@ desiree
you dont have to file a bankruptcy. just ignore the collection agents.. they are just trying to scare you.. ignore them that's the best thing you can do.. no one can be sent to jail just because of not paying your debt.. it is a human rights violation.. how can you pay them if you are sent to jail?? just ignore them..

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author avatar Citibank and more..
7th Jun 2011 (#)

I had a credit card with citibank. I intentionally maxed it out and even exceeded the limit. I couldn't keep up with the finance charges that were being assessed every month so one day i decided to put an end to it by spending every centavo that i could get from them and leave them afterwards. and so I did. Its been three months now and they still keep calling me from my mobile phone. I know i need to change my number so I could get rid of them but Im planning to do it after i get rid of another credit card that i now have problems with. citibank approved me of 35K as my limit, and I was able to use about 40K and got charged for the over the limit transaction. More or less the running balance is 55K at this time. This another credit card that I have from another bank has a limit of more than 90K. currently, my outstanding balance is 55k and I can't keep up with the finance charges. I have had it for more than 2 years now. Im planning to do cash advance and get 30K and eventually leave it for good. Can I get a way with it? Im planning to use the 30K to pay off two credit cards that I have and eventually have them closed so i could no longer be tempted to do these things. I know its bad, im just trying to find a way out. currently im having some finance problems and i think this would be the best solution for my problem.

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author avatar Chad
15th Jun 2011 (#)

Wow! this is so great... guys if you have still any problems with your debts, pls go to this website http://diskarteforum.niceboard.orgthis will help you a lot guys

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author avatar Anne
16th Jul 2011 (#)

I am a professional. I would like to ask if I can be blacklisted from my profession, or worst, if they can file for cancellation or revocation of my license at PRC for non payment of cc debts

Thank you

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author avatar Ricky araullo
8th Dec 2011 (#)

i don't think so,prc has nothing to do with cc debts,i don't think the cc will go that far.your license will only be revoked if you violated the prc law.i don't think there's a law in prc regarding cc debts

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author avatar Ravio
23rd Apr 2013 (#)

credit card default of payment is a civil case and not a criminal case. therefore this is not related to your profession or career.

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author avatar Jessie
4th Aug 2011 (#)

i have outstanding bal with cc too. 2 cards both has bal of 160k (per CA computation) i'm offering them pyment of 30k each card, the only amt i was able to find just to settle the acct. Do you think they will accept it later on and give me cert. of account settlement? Can someone give me hope.

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author avatar Steph
27th Apr 2014 (#)

Hi Jessie! May i know what happened to your case? Did the collection agencies accept your pAyment? Thanks.

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author avatar Bbri
5th Sep 2011 (#)

thanks you for your very informative well written comments about this lawyers and collectors

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author avatar Irish
13th Sep 2011 (#)

thanks so much for that clear, concise and very well explanation, im so enlightened. Good Job!

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author avatar Joy
4th Oct 2011 (#)

i just received a malicious call from citibank today, and again he's threatening me that he will file a case against me if i will not able to pay the minimum amount due. Though i know a lot of friends and colleagues who didnt pay their credit card and havent sued until now, i'm still affected today, because the collector's voice is really fierce. But after reading your blog, i'm now cool about it! thanks for sharing and for all the comments! Great help!

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author avatar Rod
4th Nov 2011 (#)

A deceased person with Credit in a Bank will she/he pay the unpaid obligations under R.A..8484?

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author avatar Ravio
23rd Apr 2013 (#)

Loans and Debts are non-transferable. So the loan goes with the debtor.

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author avatar Taurus
14th Nov 2011 (#)

2 police came to our house and said to my mother that I failed to attend arraignment. I did not receive any court letter for such. The 2 police gave a tel number to my mother and told her that I need to call that number. That's the number of certain Atty Hilario. When I tried to call that number, seemed that number is not a valid one.

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author avatar Ravio
23rd Apr 2013 (#)

Policemen are not messengers of law firms. They are supposed to be enforcers of law.

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author avatar Mel
8th Mar 2014 (#)

Hi i justvreceived a summon from my credit card from pasif trial court. Is this legal? What should i do? Pls any advise would be a great help thanks

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author avatar Steph
27th Apr 2014 (#)

Hi Mel! What happened after? Was it really a case? Thanks

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author avatar Taurus
14th Nov 2011 (#)

Actually I received a demand letter from collection agent April of this year for my unpaid credit card Standard Chartered. It has been 5 years that I was not receiving any demand letter from a collection agent and just wondering after many years another collection agent is demanding payment from me again. Before I agreed to pay in installment my unpaid balance of 1500 monthly. I was able to make payments in 6 months and just wondering that even I was paying , still the SOA I received has a penalty and interest in it so I just deicided to stop my payment and said to myself that I would rather settle directly to the bank

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author avatar RMD
18th Feb 2012 (#)

7 years of non-payment is already considered debt erased.

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author avatar Shimei
9th Mar 2012 (#)

is this true?

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author avatar Shimei
9th Mar 2012 (#)

is this true?

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author avatar Divine
16th Nov 2011 (#)

me and my husband both have credit cards. unfortunately, we're not able to pay for it since april this year. just last month, somebody called our barangay captain and said that my husband will be arrested for estafa. My husband is in singapore now, upon knowing this, they said that they will deport my husband. is that possible?

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author avatar Che-Che
29th Nov 2011 (#)

Hi I have been receiving non-stop demand letters that I have to be in court on these dates? what will happen if I ignore it.

Also, for my other card I want to settle my account with a specific amount that I could only pay but they said it will not be possible...the next thing they said that they will forward it to the legal department. Now i received an email demanding me to pay the full amount.

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author avatar Derick
29th Nov 2011 (#)

all dept collector from philippines about left for cridet card and loan from bank all are liers,,,,dont believe that,,,,

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author avatar Jeva
6th Dec 2011 (#)

Thank you for this blog, i am one of you, i do have debts, its true, they are not interested with your valid reasons why you defaulted in paying, all they are after is for your money, exactly, we should not be afraid of them because they don't own our lives, in fact, they even get richer because of the many bloated interests that we payed when we were still able to repay our credit! until now, i still receive calls but i deal with them peacefully even if they are getting devilish with their unpleasant and unprofessional words like "sa iyo nalang yang perang ibabayad mo, kulang yan, pangdagdag mo nalang yan sa kabaong mo"! and i told him.."okay, thank you po,this means wala na akong utang sa citibank ha? ikaw nalang ang idagdag ku"!

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author avatar Zen
14th Dec 2011 (#)

i received a letter coming to the said law firm domingo & molaer law offices... a letter that is not registered mail and not legally notarized...a letter that is demanding me for the payment of the said balance of my credit card ( HSBC) i was affraid because they said that together with my spouse they will constrained us criminally prosecute us for R.A8484...after i read the letter there is another letter asking me me for the special settlement program...until this day i search this law firm then i read all the blogs from dis firm i calm my self and not thinking all this...thank u so much

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author avatar Marilyn Fallarco
14th Jan 2012 (#)

Thanks for sharing your experience and learnings. I just receive a letter today from a collection agency this is Domingo & Molaer Law Offices. It is said that I have to pay the 35,225.43 on or before January 13, 2012 and if I fail I will be paying the 44,031.79. Where in the letter was delivered January 14, 2012 received by my mother. But the date on the letter was December 27, 2012. My point here is they really delivered the letter on the date that you cannot avail the amicable settlement. Wow! these collection agency are not of help to people like us.

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author avatar Foreveryone
9th Aug 2012 (#)

Somebody brave out there should tell this Domingo & Molaer Law office to stop their threats and emotional harassment bec. if they won't, they'd be sorry if a crazy credit card holder will get back at them with a grenade!

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author avatar NANCY S. MARTORILLAS
27th Mar 2013 (#)

hay grave talaga same here piero iba naman yung case kase ako sobra naman binayad ko yun nga lang napunta sa ibang acct sa hindi pa nakakaalam ang standard chartered mag kaiba yung acct number sa installment at yung credit card mismo,walang transaction yung card ko pero may installment akong binabayaran ngayon hindi ko talaga maintindihan kung nagkautang ako mantalang sobra sobra ang binabayad ko? dahil daw yun sa annual fee, bakit hindi nalang nila itranfer yung sobra sa para mabayaran yung annual fee? ang tanging sagot nila every charges valid, pano kayo yun kasi yung installment at yung credit card ay iisa hindi naman pwedeng magkaroon ng installment kung walang CC BAKIT PAGDATING SA BAYARAN MAGKAIBA?????? SANA MAKARATING ITO SA BSP

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author avatar Harlem
17th Feb 2012 (#)

i have the same problem with Domingo & Molaer Law Offices. BDO sent me a letter stating that my balance is now down to 20k. Domingo & Molaer Law Offices on the other hand is asking me to pay 27k. now, they are threatening to take me to court. i just ignored them esp. the calls from a certain yvonne from that office.

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author avatar RMD
18th Feb 2012 (#)

Hi Harlem.. I am experiencing the same problem like everyone else here of a credit card debt.. I was also terrified, especially that I am a professional. I have not kept up with payment also due to financial instability with my family for this year and I was persistently harassed and disturbed by these credit card collectors to the point that they even called the barangay captain of our place. I have already sought legal advice with my lawyer and was already enlightened by what he had to say. First, we all get annoyed and humiliated by all these debt collectors and what they are doing. But above all, we need to know why they are even doing this.. The moment we failed to pay our credit cards (what is commonly called a default), the bank flags our accounts as bad debts and they will hand the accounts over to a 3rd party (these are the collection agencies), who buy these accounts from the bank at a much cheaper price than what you have actually owned the bank not including the interests. They will be the ones to take over the endless collection efforts that have annoyed us over time. Whatever we pay from the time these accounts are handed down to the collection agencies, will be a profit of the collection agents, not even of the banks where we owed money. That is why, they are just so professional in harassing us CC debtors. These are all desperate ways of making us pay because this is where they gain profit.. In short, our downfall in debt is their advantage. And still, they wanted to take advantage of us even more. In your case, make sure that the letter you received was really from BDO. You can clarify it from the bank. I heard a term AMNESTY but I don't know and I don't believe if it really exists. It means that the bank should overlook your offense of not being able to pay and should let you pay only of what's due, not including the interests. You must make arrangements with the bank or these collection agency of a scheme of payment, but it should ONLY be according to what YOU CAN AFFORD to pay in your terms, waiving all the interests of your principal amount owned. If they don't agree, then tell them you are not paying anything. But if they do, ask for a written confirmation from them of the payment scheme that you have agreed on and that is when you start paying. Remember, their sole purpose is just to collect money from you. It is better than having none to collect at all. Be fair enough also to make them feel that you have the commitment to pay however small it may be for now, until it is paid up. Assure them also that when you have extra income, you will add a little more to your payments. In fact, you can just haggle with these collection agencies the amount to be paid even lower from the principal amount you owed. You could come up with a good bargain that will be beneficial to both parties as long as you have the willingness to pay. For me, these are just the best way to face your debts and to be freed from these daily disturbances that they cause us. Always agree on fair arrangements for both parties because, totally ignoring these credit card debts will not really make your problem go away. You will be bombarded by these calls day in and day out, to the point of being harassed and threatened. You cannot just ignore all these calls when you know that they will involve other people you know and will also be a cause of your reputation being downgraded, humiliation and even loss of jobs since they will even go to a point of including your boss or work place. You must know that some employers also need a good credit history of their employees. It is when you get an arrangement with your bank/debt collector that you will be freed from all these annoying calls and harassment. Just never forget to put every arrangement into proper and legal writing from both parties so that in your end, you know that every penny you return or pay to them solves your financial problem.

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author avatar MGR
4th Jul 2012 (#)

I read your blog here and it's really interesting to follow and since I am also in this kind of dilemma.

I followed your advice and its funny that they even use a reply email with such a law firm. And the payment schemes were not favorable. they gave me 3 options. All of which are burdens and not to my capacity to pay.

Then they replied back and still i have to pay almost 50% of the due amount and they followed my capacity to pay plus 2% interest monthly for 18 months duration. this is way too harsh. I replied to them the email i sent to the bank. Well in fact this people is not directly from the bank and they are still the collectors using a law firm name.

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author avatar Cinth
14th Aug 2012 (#)

i'm with the same problem because i'm experiencing now a very big financial downfall. I tried talking to this collectors but i can't bear their insults, that's why i never talked to them anymore. There's no use for me to talk to them since they won't listen to me when i ask them to wait for me when i'm already capable of paying.

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author avatar Steph
27th Apr 2014 (#)

Hi Rmd! May i know how did u settle it, is it through the bank or through the debt collector? Did they give you amnesty? Thank you for the nice information.

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author avatar Shimei
9th Mar 2012 (#)

thanks for the wonderful information...the credit card collectors keep.on harassing my mother that most of the times..she cried to me about how they pushed my mother to pay.and to think that she is still paying only a little of the amount that she was suppose to pay..(at least she's paying instead of not) its a heartbreaking scenario for me as a child...and thank for your info..i will tell my mom that she do not need to worry about the calls or text she is receiving from the collectors. thanks to u!

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author avatar Chieanne
21st Jun 2012 (#)

i had this same problem.. but now i am staying here in province i dont know how they know my new job and start to call me at office..collecting agency said that they will come here to investigate me.. is that true?

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author avatar Chris
4th Jul 2012 (#)

I just received a text that a civil case will be filed against me on violation of RA 8484, hehehe

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author avatar Steph
27th Apr 2014 (#)

Hi chris! was the civil case true?what happened after? Thank you.

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author avatar Mariah
6th Sep 2012 (#)

thanks a lot for this information its bee a burden to me for a while now its such a relief knowing whatever happens im not goin to jail lol

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author avatar Ronald
10th Sep 2012 (#)

Hi to all!

First of all I would like to thank you for helping us in dealing with this such bad situation. I would like to share my experience regarding the CROCS of BILKISH. They been harassing me for almost three years but I never intimidated with their threats because. I left UAE last 2008 because I was terminated by my company due to recession. Even I have huge amount of loan from the bank I have no choice but to leave the country because I was terminated. I applied for another GCC country and been here for more than 3 years already. I went to vacation every year and sometimes every 6 months but all are normal no one catches me the immigration here in GCC and there in the Philippines (which the BILKISH CROCS use to tell me many times that I'm having hold departure order in GCC countries at the same time in the Philippines - for sure all are lies since I am here and going to have my vacation again soon :)) I use to call me here in my mobile and send me lots of emails na paulit ulit lng sila sa mga sinasabi about my debt. Luckily they already stopped calling to my house and going to my house because I told them I will sue them in court if they did that again...and it works naman...hehe...Sabi ko u have my number and email address so better talk to me...Minsan hdi sila tatawag for long time (let say 3 months) them bigla magpaparamdam ulit at mangungulit na bayadan mo ung loan mo at threatening you again. I just stay calm and told them I owe nothing to you so kung meron man ako utang sa kanila ako magbabayad at hdi sa inyo. Dinadaan ko na lng sa biro pag tumatawag sila...Sabi ko o kamusta na ang mga taga bilkish hdi pa ba kayo nananawa sa kakatawag sa akin..dahil wala naman ako ibabayad sa inyo kahit isang kusing..hehe..kung makapal ang mukha nila e mas makapal ang mukha ko dahil wala naman ako utang sa kanila...I already call the bank regarding my case and what they have told me, only me can clear my liabilities to them...No one can ever give me clearance except the bank and to make this happen I need to go personally to the bank or either one of my relatives or co-maker from UAE will go their and settle it for me. Wiling naman ako magbayad sa kanila pero as of now I have no way, I will not trust any of the BILKISH CROCS to have my money without any assurance that I will clear from the bank...Anytime soon I will be having my next vacation and as always I will enjoy it with my family back their in the Philippines...I'm just waiting for a right time to sue all BILKISH CROCS...i'f they still continue to cross their lines at kapag pinuno na nila ang salop ko...dapat ko na silang kalusin...hehehe...hope you learned from my experience dealing with these collection agencies...
Once again thank you and to all of you who read these posts...Just email me if you have some questions or you want to follow my case to BILKISH. My email is ronald.mercad2@yahoo.com...

Ronald

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author avatar Jona
17th Sep 2012 (#)

ang galing mo naman will you give me some advice about mine? thanks po.

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author avatar Chem
14th Jan 2013 (#)

hi! nabasa ko ung blog mo.. and nakampante ako dahil sa nabasa ko. ang babastos kasi talaga ng mga agent collector. hingi lang sana ako ng advise regarding sa pagsettle ng balance ko. kelangan ko bang i-settle un sa bank kesa sa agent?. kasi nagiging hobby na ng agent ung mga paghaharass nila. and hindi na rin nakakatuwa... and pwede ko ba silang i_sue regarding sa mga pinaggagawa nila sakin? thanks

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author avatar Yurien
28th Nov 2012 (#)

grabe po talaga mag harass ang mga agent ng eastwest. nkikipag waya sila sa mga dati ko kawork, kaya ajko nakapagresign dahil nhihiya nko pti wala utang na kawork ko inaaway

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author avatar Resty
17th Oct 2012 (#)

I'm also experiencing harassment from collecting agencies,yesterday they called our bargy. captain in capiz saying that i have a warrant o arrest case estafa..i really worried and my parent get mad because of this.they said they are from camp crame and anytime they will come to my house w/ their sheriff for an ocular inspection , i am really afraid of this,.,.please help me,.,tnx

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author avatar Jhoyz
17th Oct 2012 (#)

To Resty: Don't believe with their threats. Those persons that would come from camp crame and sheriffs are the collection agents only. You can file a complaint if someone from the collection agency go to your house. Its a form of harassment already.

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author avatar Krizz-T
17th Nov 2012 (#)

but how about if the case is pumirma po ako sa agreement/contract na magbabayad s knila w/in 2 years time pero hindi ko naman po natapos bayaran due to financial incapacity. my question is, maaari po ba nila ako kasuhan ng estafa?

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author avatar Yurien
28th Nov 2012 (#)

Sabi po ay makakasuhan daw ako against sa Article 315 w/c is Estafa po ata. hindi naman ako estafa eh ala pa nman tlaga ako pambayad, please advise naman po

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author avatar Louise
14th Dec 2012 (#)

Bankard

I refer to the above matter.

Let me bring this to your knowledge that there was a complaint/ protest which I filed with the Bankard on the method of collection and the behaviour/ attitude of its collecting agents be it collection agencies/ law offices which put further payment of the interests/ additional charges in question pending resolution. I know I have paid the principal amount if payments shall be summed up.

Before you proceed with any further action, let me have the following:
1.) The Service Contract between Bankard and the firm specifying your authority to collect from me and to file a case under small claims and your authority to release from indebtedness upon settlement.
2.) Your Employment Contract with the firm giving you authority to collect from me and to file a case under small claims and your authority to release from indebtedness upon settlement.
3.) The Contract with Bankard that you said I signed showing my signature.
4.) The document supporting my usage of Bankard card showing my signature and the merchants name. 
5.) Documents supporting my payments.
6.) A ledger showing all charges, duly authenticated by Bankcard and the Employment Contract with Bankard of the authenticating officer.
7.) The Philippine law mandating the legal interest per annum, the legal penalties and legal additional charges.
8.) A proforma or template of your release of indebtedness document upon settlement.

Both the above unresolved issue and documentary evidence shall determine settlement.

Thank you.

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author avatar Reighmond
6th Feb 2013 (#)

Hi clickmarbin and everyone else!

Ito ang nangyari sa'kin. On December 13, 2012 HSBC contacted me to settle the minimum payment for my CC dues in cash at Security Bank by 2:00PM. I was a little late in my payment. Sabi sakin ng kausap ko na "Christine" ang pangalan, "kahit Security bank, sir". I was also able to find out na wala pang charges at the time of the call. So what I did was, I not only paid the minimum amount due, but the full amount in HSBC valle verde branch before 2:00PM para wala nang delay.

Aba, lo and behold, when my statement came, they posted my check payment of P1XXk on December 18 (My receipt says I paid on Dec. 13, 1:45PM) at may kung anu-anong charges pa. Late na raw ako!

So I called them up ng ilang beses about my concern. Sabi nila, wala raw nakatag na may pinag-usapan kami ng collections. Hindi ako magagalit sa kanila o tatawagan sila kung wala kaming pinag-usapan. Sadly, hindi nila inasikaso hanggang sa umabot na sa susunod na cut-off period ng next statement. Sabi nila iimbestigahan nila pero, di nila ginawa. Kaya nang dumating yung next statement ko, mayroon na naman na charges. Hello HSBC?!?! I PAID FOR THE FULL BALANCE! NAKUHA NA NILA PERA KO,tapos ipe-penalize pa nila'ko?!

I wrote their customer service (yung email address sa website) but they weren't of much help. Sinulatan nila ako after mga 20 days (sab nila they will revert to me in 7-10 days) na hindi raw namin pinag-usapan ng kanilang collections noong Dec.13 ang tungkol sa waiving of charges kundi ang probable application of charges upon assessment. HSBC, OBVIOUS BA? Hindi namin talaga pag-uusapan ang charges noong Dec. 13 kasi there were no charges in the first place!! Common Sense! Kaya nga "probable" eh. Ito pa, ang letter na ipinadala nila sa akin ay walang pirma.

Can somebody help me? Do you think I should wait nalang? Pero gusto ko na rin itong matapos. Is it advisable na makipag-usap ako sa isang taga HSBC, I mena from the inside? If so, can anyone give me names?

Highly appreciate any help you can give.

Salamat po.

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author avatar Reighmond
6th Feb 2013 (#)

Hi clickmarbin and everyone else!

Ito ang nangyari sa'kin. On December 13, 2012 HSBC contacted me to settle the minimum payment for my CC dues in cash at Security Bank by 2:00PM. I was a little late in my payment. Sabi sakin ng kausap ko na "Christine" ang pangalan, "kahit Security bank, sir". I was also able to find out na wala pang charges at the time of the call. So what I did was, I not only paid the minimum amount due, but the full amount in HSBC valle verde branch before 2:00PM para wala nang delay.

Aba, lo and behold, when my statement came, they posted my check payment of P1XXk on December 18 (My receipt says I paid on Dec. 13, 1:45PM) at may kung anu-anong charges pa. Late na raw ako!

So I called them up ng ilang beses about my concern. Sabi nila, wala raw nakatag na may pinag-usapan kami ng collections. Hindi ako magagalit sa kanila o tatawagan sila kung wala kaming pinag-usapan. Sadly, hindi nila inasikaso hanggang sa umabot na sa susunod na cut-off period ng next statement. Sabi nila iimbestigahan nila pero, di nila ginawa. Kaya nang dumating yung next statement ko, mayroon na naman na charges. Hello HSBC?!?! I PAID FOR THE FULL BALANCE! NAKUHA NA NILA PERA KO,tapos ipe-penalize pa nila'ko?!

I wrote their customer service (yung email address sa website) but they weren't of much help. Sinulatan nila ako after mga 20 days (sab nila they will revert to me in 7-10 days) na hindi raw namin pinag-usapan ng kanilang collections noong Dec.13 ang tungkol sa waiving of charges kundi ang probable application of charges upon assessment. HSBC, OBVIOUS BA? Hindi namin talaga pag-uusapan ang charges noong Dec. 13 kasi there were no charges in the first place!! Common Sense! Kaya nga "probable" eh. Ito pa, ang letter na ipinadala nila sa akin ay walang pirma.

Can somebody help me? Do you think I should wait nalang? Pero gusto ko na rin itong matapos. Is it advisable na makipag-usap ako sa isang taga HSBC, I mena from the inside? If so, can anyone give me names?

Highly appreciate any help you can give.

Salamat po.

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author avatar Lyh
15th Feb 2013 (#)

Thanks for this.
I nearly killed myself having panic attacks and suicidal tendencies because of the treat I am receiving from. Im not a brave person. thank you very much!

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author avatar Jen
16th Feb 2013 (#)

hi everyone,
same situation here. but wondering why after 9 years they are showing up for this kind of harrassment. I have unpaid cc last 2003 and ive been abroad since 2004. my mum just got a call via our brgy captain. can I directly settle it to the bank? any suggestions? thanks

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author avatar NANCY S. MARTORILLAS
27th Mar 2013 (#)

MUCH BETTER CGURO KUNG MAGKAISA TAYO LABAN SA MGA ABOSADONG CC PROVIDER KASI KUNG GANITO LANG TAYO WALA HAKBANG MARAMI PANG MAHIHINA ANG LOOB NA MAGPATIWAKAL NALANG

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author avatar Grace_red
9th Mar 2013 (#)

Hi! Kabilang din po ako sa mga dumaraming biktima ng harassment. Pumunta po mga pulis sa'min kahapon. Kakasuhan daw po ako sa Monday ng estafa. Tapos pinakausap sa tatay ko ung hepe daw ng CIDG about dito. Tawagan daw itong Atty. Reynaldo Hernandez. Hindi nakatulog ng maayos parents ko dahil sa insidenteng ito. Since I read this blog, nakahinga po ako ng konti. Any advise po about dito? Do i need to contact them about these? 120k pinapasettle nila. thank you po

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author avatar Jesse
9th Mar 2013 (#)

Guys same din problem ko, may utang na ako sa bank ng more than 300k, di ko na xa kayang bayaran ung monthly bills, umabotna xa sa ganon dahil, ginagamit ko ding pang bayad ung laman ng cc,, paano kung di kona xakyng bayaran??what I'll hppen next?? And wha will I do???

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author avatar Rams
27th Jun 2013 (#)

Jesse,

Better to go abroad or sell you car or anything. Or make a bargain with them to settle.

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author avatar Duckoo
24th Mar 2013 (#)

even a loan defaulter has rights. defend yourself legally if being harassed by debt collectors. know your rights. pero kung may utang talaga kayo at alam nyo sa sarili nyo na may utang pa kayo na hindi pa nababayaran lahat, dapat naman bayaran. may kasabihan nga na ang utang ay utang. at ang utang ay dapat bayaran. :)

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author avatar Rams
27th Jun 2013 (#)

Duckoo,

You are RIGHT. But on a sense in forceful way, it is not RIGHT.

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author avatar NANCY S. MARTORILLAS
27th Mar 2013 (#)

MGA BISAYA PESTE GYOD ANG PINAS LISOD ANG TRABAHO GAMAY RA UG SWELDO GABAHA ANG CREDIT CARD UG ANG MANGINGILAD, SA MAILAD LANG AYAW KAHADLOK KAY MA PRESO TA MAMALIGYA NALANG TA SHABU SA PRESOHAN SYARO SA KADAGHAN UG ADIK DIDTO UG DILI PA MAKABAYAD TOTAL TUA NATA SA SULOD KURIDASON NALANG

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author avatar Ms.leo
23rd Apr 2013 (#)

I also experience this,hinaharass aq ng isang law firm..and may ngtxt sakin na sya daw ay secretary of somewhat atty. forgot the name,shes telling me that i should pay my cc that cost around 16k i told her that i have no money bec i have no work at that time,she told me that i pay for it,and if i dont have money i should make utang to a bombay para mabayadan ko yun utang ko,gosh naginit ang ulo q nun,sagot q sa kanya wow miss ganan ba kayo makipagusap sa mga clients nyo na kelangan turuan nyo mangutang sa bombay para mabayaran lang kayo?pity for them they are so desperate!sa eastwest yata yun cc q na un and take note from 4k na cash advance ngboost to 16k??!

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author avatar Rams
27th Jun 2013 (#)

Ms. Leo, we're on same boat. Ganun din nangyari sakin sa Eastwest CC ko. I can't pay for full sa balance ko. Nakiusap ako sa representative na kung puede hulugan ko na lang without any interest for 1 or 2 years. Hiningan ako ng co-maker at iba pang mga documents to be entitled, pero not sure pa kung ma-approve. How true if it will. I am willing to pay my debt though, but in this case, I can't pay them in full.

Just like what happen with my HSBC (VISA and MC). When the collector as me to pay my debts, I ask for assurance and discount. The good thing happen was, they want me to deposit first the small amount then follow with the remaining after 15 days in order for me to gather some money. At least they do understand my situation not telling you that you need to pay it or else.....

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author avatar Sunshine
12th Jun 2013 (#)

Recently I received a call from SP Madrid Law Firm here in Abroad its regarding my credit card which
I didn’t paid for long time. And on more thing they are threatening me to pay otherwise they will give a trouble in my company and also they want to speak to the manager of the company im woking for.
Could you advise me what would I do.
When i read your blog i was feeling ok and be cool. :)
Thank you its a great help to be calm with the annoying callers.

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author avatar NERD
22nd Oct 2013 (#)

hi sunshine, as of today oct.22, 2013 i just received a message sa FB from that SP Madrid Law Firm. I am based in dubai now, same scenario tayu..nakakainis pa last message sakin "SEE YOU IN COURT (with smiley face)" sabi pa niya mas malaki daw kikitain niya kung sasampahan ako ng demanda!

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author avatar Patricia
16th Nov 2013 (#)

hi Sunshine and nerd
i also received the same call in my office here abroad from same SP madrid Law firm nagulat nlng ako na nkatawag sila sa landline ko na i myself dont know the number ..ngatataka ko kun panu nila nakuha un number meron mga spy

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author avatar Izzy
17th Dec 2013 (#)

Hello Sunshine, Nerd, and Patricia

Ako din nakatanggap ng tawag galing sa SP Madrid. Di ko din alam san nila nakuha ang number ko dito sa UAE. Tawag ng tawag. Nakakainis na kasi di ako tinatantanan kahit nung nagkaproblema kami dahil nga sa na Yolanda kami. Kaninang umaga 10 calls nareceive ko. Sinagot ko yung isa sabi ko kung gusto nya mangolekta eh kunin nya yung debris ng bahay namin na nasalanta. Kaloka. I was trying to settle it with them nung nasa Pinas pa ako as what I did with my two cards. Kaso ang problema sa collecting agency ng HSBC that time is that paiba iba ng amounts akala ata nila mayaman ako since my name was used to open a company and showed that my share are millions. Yung usapan namin was around 39k tas the following day yung mag babayad na ako biglang 65k na yung dapat bayaran. That time naisip ko na mag give up at mangibang bansa nalang. That was 2009. Tas ngayon biglang nabuhay. Let me know ano yung update. Thanks.

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author avatar Shadowfox
18th Mar 2014 (#)

I received a call this morning from SP Madrid, same scenario they ask me to pay the amount i owe HSBC.. Previously (2yrs ago)gusto ko esettle sa term na gusto ko kasi di ko kaya bayaran in full tapos di naman nakipagsettle ang agent. Ngayon naman for whatever reason and way nacontact nila ako sa office ko dito sa Singapore, ang worried ko lang eh baka pati work ko maapektuhan sa kakatawag nila.. Kaya naman na ignore ko yung call nila kasi direct office number ko ang tinatawagan nila which ayoko naman mabulabog mga katrabaho ko dahil sa mga collectors na ya.. What to do..?

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author avatar Bending.
11th May 2014 (#)

Same here naka received din ako ng call asking my name and date of birth I said no I think you got a wrong number hehehe nag tataka ako after 8 years of my CC debt umabot pa cla tawagan ako sa Australia and also I'm not Filipino citizen anymore and I been traveling from Australia to pinas how many times

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author avatar Ynelle
16th May 2014 (#)

Ms bending, i just want to ask about your case with credit card unpaid bill. Noong umalis ka ba sa pinas binigay mo ba sa credit card issuer mo ung address mo sa australia? Meron din kasi akong naiwan na credit card unpaid bill, andito na ako sa US for 2 1/2 years and did not informed them na aalis ako ng pinas and didnt told them my address dito sa US either. Nagaalala lang ako baka pag nagbakasyon ako sa pinas eh may kaso na sa akin about defraud. Although hindi naman malaki ung utang ko, its only about 20k nung umalis ako but till now wla pa akong maayos na job to sustain my stay here and pay that debt..so i was wondering how your case was if it is close to mine and if u did not had any problem with any criminal case filed against you for abandoning your credit card bills unpaid...please enlighten me po, thanks!

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author avatar Joe23
20th Jun 2013 (#)

Good day..

For the last 4 months, one representative from bilkish is always sending email and always calling from my cellphone and land line, she ia asking me to settle my previous loan balance in KSA. I just wonder after 4 years why they just showed up and harassing me and my family. This belkish representative said that if i will not settle my account, they will file case against me.

Can you help me form this issue?

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author avatar Ccdefaulter
28th Jun 2013 (#)

refer to this blog. this helps a lot. http://failuretopaycreditcard.blogspot.com/2010/08/dubai-debts.html

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author avatar Cris.m
10th Jul 2013 (#)

Salamat sa mga advice.same problem about my cc.muntik na akong magmakamatay reg.my problem.dahil sa anak ko lulakas loob ko.now i know..maslalong lalakasan ko p loob ko sa mga problema na meron ako.

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author avatar Elaine Cruz
22nd Jul 2013 (#)

Thanks for the info. same here happening to me, just recently someone came to my house and harass my family if now in canada, and married now as they are scaring my family to pay the amount of 700k pero for 3days unbelievable which i never took that money from the bank as they said its increasing the interest and they try to search in my fb when i search everything that person is from bilkish philippine name Charmie Agustin an arrogant lady, my mom spoke to her bcoz the collector incharge who came to my house just pass the phone to my mom and insulting and using unacceptable words. need to ask can we file that case to that lady name Charmie Agustin also kip on searching and inviting me in fb and using different name. so terrible and she dont have even conscience that using those words and to scare people just to feed her family with that. ASHAME on you CHARMIE AGUSTIN from bilkish phil.

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author avatar Elaine Cruz
22nd Jul 2013 (#)

Pahabol pa po after 4years saka sila ppnta sa haus para harassin ang family ko at sasabhin na mukhang ok namn buhay nya sa canada kaya nya yung bayaran. terrible its obviously na sya nga ung invite nginvite skin sa fb ng different name. at tinatanong pa parents ko na ito na real name nya di nyo alam na nagpakasal na anak nyo. all information about me she knws but alam lng nmn nya na nakawedding gown ako sa pic kaya alamnya na kasal ako but thats not true. they are all liers. most specially that CHARMIE AGUSTIN bka same person din ang nanghaharass sa family nyo thru phone. dapatsa babaeng yan mabigyan ng leksyon.

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author avatar Elaine Cruz
22nd Jul 2013 (#)

Hi Joe23
i think yan yung same girl from bilkish phil. na si ChArmie Agustin same din send sya ng send ng email skin but stil she dont knw my number pro ang mom ko ang tinatawgan nya ng tinatawgan same sbi nya papadeport nya ako and babalik ako sa phil para makuling shes so stupid did she think i believe on her. my mom so scared at first then ng mapaliwnag ko sa mom ko now shes okey.

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author avatar Elaine Cruz
22nd Jul 2013 (#)

Hi Sushine
I already encounter that, they send letter to my boss email account they can trace where u working if u put ur info to ur fb account thats what happend to me, then my boss ask me if thats true ofcourse i denied it i told her i also send those email to my peraonal account then i put that on scam, thats what i explain to my boss then she believed it til now im still working thay cant do anything about it, it just a matter of how u will strongly fight for those stupid people feom bilkish they dont have manners, ashame on them they feed their family bcoz they are hungry for the commission that they will take once you pay them. stupid people they are!!!

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author avatar Lailanie Reyes
24th Jul 2013 (#)

Hello everybody...gusto ko lang pong magtanong...naka-receive po ako ng text message today allegedly telling me na may scheduled ocular inspection daw po na gagawin dahil sa unpaid CC balance ko...wala naman pong ibang details...ask ko lang if they really do ocular inspection - as in puntahan ka sa bahay mo...i live in mindanao and allegedly and case ko ay filed or pa-file sa RTC Makati...anybody here na talagang pinuntahan sa bahay ng mga team na ito?

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author avatar Raset
13th Aug 2013 (#)

Lailanie first and foremost collection agency does not have any right to do any occular inspection in your home. Its againts the law and you can have them arrested for tresspassing if they attemp to do so. If you meet this collector in person ask for validation on their clams. Hingan mo ng company I.D and goverment issued I.D for comparison. Ask if they have any document which authorizes them to collect/negotiate/ transact with you. Such as letter of authorization issued by their company assigning them to collect from you. Document issued by the bank authorizing the collection agency to collect from you. Do they even have a copy of your contract sign by you and bank, Updated Statement of account certified true copy by the bank. If none kindly tell this people to get lost and they have no business to disscuss confidential matters with you. Call the police and have them arrested for extortion, tresspassing, swindling. And lastly if the bank wants to file a case againts you for collection of sum of money for your unpaid credit card. You will be notified by the sheriff or any court staff by delivering a summon to you personally. They will not infrom you through text or call. And please if you receive a letter stating that a case has been filed againts you but is also telling you to call some lawyer or make some payment for the case to be withdrawn, that came from the collector and not from the court. You cant just magically withdraw a case that has been filed in court. They have to formally withdraw the case in court. Lies, its all lies.

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author avatar June789
24th Jul 2013 (#)

sino na naka encounter na kai Grace Dulete? Bilkish Representative din sya..

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author avatar Wang
18th Nov 2013 (#)

Naencounter ko yang babae na yan kanina over the phone. Totoo ba pinagsasabi nya? To think galing ako ng abu dhabi, umiwi ako dito sa pinas last April dahil naterminate ako sa work. May credit shield naman ako sa cc ko, paano ko mainform yong bank that day na wala na akong work kung bigla akong pinauwi kinabukasan.

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author avatar Snow1116
26th Jul 2013 (#)

may nagpadala ng letter sakin na parang threat na kukunin daw mga gamit namin if we dont pay the 52K cc bill. RCBC ito, minsan ko kinausap ng maayos para madettle kasi di namin kaya ng buo. Ayaw nila tanggappin ang proposed payment namin instead ang sagot nya sakin " Pasensyahan tayo kung di nyo kaya bayaran" Sinigaw sigawan nya ako at akala mo tatay ko kung magsermon. Narciso ang name nya. Pano namin makakausap para maiayos isettle ang bagay na ito kung ganun ang approach sa amin. Nadelay payments namin kasi I had a heart ailment and still under medication. This collector will kill me! Di sya maapproachan . May pde po ba lapitan na reklamo for this collector? If anything happens to me that collector is liable. Di nya pinapakinggan reason namin na I'm sufferring from Heart disease and Hypertension stage 3. I had to quit my job for my medication. Help please ! Thanks

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author avatar Raset
14th Aug 2013 (#)


BSP requires the following:

1. The full name of the complainant and the financial institution (FI) being complained of:
2. The signatory to the complaint should be the transactor or his/her authorized agent.
3. Contact information and address of the complainant .
4. Copies of relevant documents that support the complaint.
5. The facts of the harassment case.

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author avatar Raset
14th Aug 2013 (#)

Dear Snow1116, the next time you get a call from them, just simply tell them you dont have the means as of this moment, pero kung hinde mo matangap ang dahilan ko eh problema mo na iyon, "let's just settle this in court". You see this this people will use any means even if its illegal to extort money from you. We owe the bank and not them. Kung ayaw nila maki pag settle sa kaya mong bayaran eh di huwag. And if these people show up at your doorstep at gusto kunin gamit nyo, call the police and have them arrested by tresspassing and robbery. Tawa naman ako sa kanila, are they above the law? Mag sampa muna sila ng kaso, kung gusto nila i pa garnish ang mga property nyo. Even if a judgment has been rendered in their favor, eh kung wala ka namang properties in your name equivalent to the amount you owe tnhe bank wala rin naman sila makukuha. They cant even touch your home if its a family home at nasa batas yan.

You can report them at Banko Sentral ng Pilipinas

The BSP's Financial Consumer Affairs Group (FCAG) advises the public to report unscrupulous collection practices and other credit-card related concerns via telephone numbers (632) 7087087 or (632) 524-7011 local 2584, fax number (632) 5258930, or e-mail address consumeraffairs@bsp.gov.ph

and if you wish to email them here are some important reminders


BSP requires the following:

1. The full name of the complainant and the financial institution (FI) being complained of:
2. The signatory to the complaint should be the transactor or his/her authorized agent.
3. Contact information and address of the complainant .
4. Copies of relevant documents that support the complaint.
5. The facts of the harassment case.

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author avatar Lady28
31st Jul 2013 (#)

I've been reading thru all the comments in this blog and napapangiti lang ako (kahit may 2 credit cards ako na di kayang bayaran haha). I have Citibank and RCBC. Mga 2 years din na maayos ang pagsasama namin hanggang tulad sa karamihan dito darating talaga sa buhay natin ang mga pagkakataong tini-test kung gaano tayo katatag. Na-loko ako sa isang investment scam kaya ayun yung perang inipon ko ng ilang taon ay naglaho na parang bula. I still have two CCs (Metrobank and BPI) na pina installment plan ko kasi maayos naman cla kausap. Pro iba talaga ung RCBC and Citibank. Ung RCBC, una, ayaw nila ipa-close ung card ko pag di ko daw nabayaran ung full amount na 60K. Eh tae nila san nga ako kukuha ng pambayad di ba. Kung ipapa installment ko naman sobrang laki naman ng ipapatong nila kaya sabi ko kalokohan to.. So I stopped talking to them and started to ignore their e-mails and letters. Sa Citibank ko naman, sobrang daming hidden charges tas nag promise cla before na free for life ako ng annual fees but they still charged me so nainis ako. Ni-maxed out ko ung card ko dahil na rin sa tawag ng pangangailangan and I never spoke to them kasi narinig ko nga kung gaano cla ka-inconsiderate. At buti na lang din kamo na-snatch pa ung phone ko so I had to change my number so wala na calls akong natatanggap. So ngayon, may pa-ilan2 sulat na nakakarating sa bahay. Natatawa pa nga ako kasi iba2 ung law firms na sumusulat sakin demanding payment. Parang 6 na law firms na ata. Hahaha.. Sabi ko nga, iba2 ata buwan2. Reyna na nga ata ako ng deadma. Pero kinakabahan pa rin naman ako sa mga posibleng mangyari sa mga susunod na araw. Lalo na Citibank din anf payroll account namin kaya kada sahod niwi withdraw ko lahat agad kasi baka i-hold nila yung sweldo ko (hopefully wag naman umabot dun). Isip ko lang, babayaran ko yan pag nakabawi na ako.. Binabayaran ko pa for 2 years ang BPI saka Metrobank eh di talaga kakayanin na isabay clang lahat eh. Hopefully, pag dumating yung time na able na ko to pay, for sure, lobo na rin ung utang ko. Pro bahala na. Iniisip ko rin, lesson na talaga sakin to para di na ko mag CC. Kasi sa totoo lang, di naman natin kelangan ung CC eh. Nabuhay nga yung mga ninuno natin na puro cash lang. So when that time comes, bahala na. Basta for now, I should move on with my life and di ko papatayin sarili ko kakapilit bayaran cla na wala nga akong pambayad. Pag nanalo ako sa lotto cguro baka pwede na. LOL! Stay positive and happy guys! It's not the end of the world for us. :)

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author avatar Michie
16th Aug 2013 (#)

Hi, Lady.

Naka relate lang ako sa kwento mo. Ang payroll bank nyo is citibank din.hehe. Ako kse, di ko na nabayaran yung monthly obligation ko sa BPI dahil naging bread winner ako unexpectedly. Anyway, kanina I just opened a payroll account with BPI kc i'll start to work again nxt month. So nakita nila un old address ko and need ma update. Medyo kabado kse nga lumipat na kami ng house at baka kung anong gawin nila sa family ko pero knowing my right d ako ppayag. But ofcourse, i will do my obligation din naman once makapag work na ko ulit.

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author avatar Cassandra
13th Aug 2013 (#)

Ask ko lang po re r.a. 8484, kasama po ba dun info abt work like if you have a small business, madmi kc busines sa fb na hindi naman stable ang kita, u can always make a name for your business and how much you're earning para lang madeclare na self-employed, as per advice ng agent who signed me up,is that considered fraud? or what if may family business kayo pero hindi ka naman employed sa business na yun, advice ng agent ng cc when you applied na ilagay employed ka sa business na yun, is that fraud? I have 2 unpaid cc's, and if they will investigate hindi na existing un business ko sa facebook, and un business ng family is wala na rin, fraud po ba yun?

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author avatar BLESSED
13th Aug 2013 (#)

It was in 2007 when i had my utang 16k with HSBC, been receiving calls, emails before.. I just keep ignoring it.Umabot na sa pagkakataon na nag email na sila sa HR Manager namin at now sa Barangay Captain na. I have almost the same experiences with others here, we are just in the same boat. But sometimes, i feel guilty lalo na at naapektuhan na ang nanay ko emotionally. Kahit na ano pang paliwanag ang sabihin ko kay nanay, takot kasi sya sa utang. ANo pa kaya ang susunod na pwde nila gawin? Marami na ba sa inyo ang sinukuan at tinigilan na ng collector? Gaano katagal? It seems like, the more we respond and we pay attention to them, the more they will persevere in processing our debts and will just continue threatening us. If we will just ignore them, there is atleast a tendecy that they will stop chasing on us. What you guys think?

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author avatar Raset
14th Aug 2013 (#)

You can visit this website http://failuretopaycreditcard.blogspot.com/. Marami kayo matutunan dito plus kung may mga tanong kayo marami mag reach out sa inyo to offer you some advice.

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author avatar Garette
15th Aug 2013 (#)

Hi! Ask ko lang what if d nabayaran ung isang credit card pero ok ung isa. Maapektuhan ba din ung ok naman payments? Possible ba i-cut ng bank un kahit binabayaran mk, pero deliquent ka sa ibang bank? Kasi I understand share ang mga banks ng database. Answer is highly appreciated.

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author avatar ackin
16th Aug 2013 (#)

Hi po, I just want to ask and clarify some things lang po, I also have problem now with my HSBC cc, and my tumatawag sakin ngayong company asking me to pay my credit card bills, client daw po nila ang HSBC, I talked to them and asking them to stop calling me sa work kasi bawal po and company policy, they insist na di daw po pwede kasi inilagay ko daw po yung number ng company ko sa application ko dati, which is true as part of the requirements, ang sabi ko po they can contact me sa house naman if possible, but they DON'T AGREE. and now they asking me to pay 40k in just a short period of time, or else they will file a legal case, it's my first time to experience this kind of thing, and honestly no matter how I try to pay them, di ko na po kaya since nawala yung father ko nagkaproblema na po kami financially and now this is the result, I don't want my officemates and friends know this kind of thing, what is the best thing to do po ba and para naman po magkaroon ako ng peace of mind, pwede po ba ako mawalan ng trabaho ng dahil sa ganitong problema? ang how long they will stop since di ko nga po alam kung saan ako kukuha ng pera para lang tumigil na sila. what are the possible things na dapat gawin once they pursue and file a case against me. I really appreciate your answer po, since wala po akong mapagsabihan ng problema ko na ito. Salamat po.

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author avatar Vangie
16th Sep 2013 (#)

noong umalis akos Pilipinas ay year 2000 naiwan ko ang unpaid credit card amounted 23k ang credit limit.. almost 16 years n at balak ko ng umuwi s Pinas at bayran sana ang naiwan ko n balance para s credit card. Kaya lang natatakot ako n malaman bka hinsi ang yun ang halaga n pababayaran sakin lalot 16 yrs, na ang lumipas. Wala nman akong sapat n ipon n para lng mapunta s credit card payments. Makakaapekto ba ito s mga business transaction ko halimbawa may balak ako mg tayo ng maliit n negosyo..o kaya sa Pagibig application ko for housing loan...paki sagot nman po para alam ko ang gagawin pag kauwi ko s pinas. Matagal lo itong pinoproblema ..ayoko magkaron ng kaso sa pilipinas . Morepower to al !!@

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author avatar Vangie
16th Sep 2013 (#)

16 YEARS NA AKO DITO S KSA AT MAY NAIWAN AKO N CREDIT CARD AT DI KO NABAYARAN ANG CC KO AMOUNTED TO 23K THAT WAS 1998. NOW MALAPIT N AKO UMUWI AT GUSTO KO SNANG BAYARAN ANG CREDIT CARD PERO DKO ALAM KUNG MAGKANO ANG INABOT NG UTANG KO BAKA LALO DI KO N KAYANG MABAYRAN. MAKAKAAPEKTO B ITO SA IBANG TRANSACTION KO S IBANG BANKO AT PAG AAPLY HALIMBAWA SA PAGIBIG HOUSING LOAN. MORE POWER TO ALL!!

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author avatar Jhan
16th Sep 2013 (#)

thank you at nahanap ko itong site/blog na ito...i am also having problems with theses debt collectors dahil pati bias ko tinatawagan...gusto ko lng malaman kung pwede ba mag demanda ang bilas ko dahil sya ang hina harrass dahil sa utang ko...nahihiya kasi ako sa kanya,akala kasi nya importante yng sasabihin nung nagpunta sila sa bahay kaya binigay yng number nya.please i need help kng anu gagawin ko.salamat.

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author avatar NERD
22nd Oct 2013 (#)

very informative naman ang blog na to! actually binabasa ko isa isa yung mga comments, dahil gaya niyo, biktima rin ako ng mga harrassment ng mga debt collectors na yan, to the point na nagpanggap pang nanay ko yung isang tumawag at emergency daw, sa worry ko sinagot ko yung call pero late ng malaman kong debt collector pala, halos magmurahan na kami sa phone dahil sobra na yung panghaharrass niya. Thanks to this site, kahit papano di pala ko nag-iisa...nakaka stress!!!

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author avatar Chubby Cheeks
21st Nov 2013 (#)

pano naman yung case sa china trust? since nag issue ng checks dun, under BP 22 estafa ang case? any experience?

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author avatar Kimlady1985
25th Nov 2013 (#)

I actually have the same experience with you guys. This is regarding this Camille Pascual and Atty Jesus Beltran of whatever collection agency they belong. I had my HSBC card may back 4 years ago when Im still working in Makati City. My credit limit is P20k. To make the long story short, I mismanage my expenses. I paid late and reached the limit but I am quite sure that I paid more than the principal amount I owed. I tried to settle and cancel my card but they insist me to pay the total amount due. With my knowledge in credit card companies, I decided to stop paying them knowing I paid more than the principal. In short, I live a happy life for more almost 4 years. Now, to my dismay, this Camille girl, called me and demanded 100+k. Even called my officer in head office and here in province threatening me for filing a case against me violating RA 8484. I ignore them. I think I should be the one to sue them for violating Bank Secrecy Law. They are not supposed to disclose my information as a client to anybody unless Government agencies like AMLC requires so. Sad too say, they are really annoying and irritating! I challenge them to go ahead file a case against me. Lets see who will listen to them?

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author avatar Siri08
4th Dec 2013 (#)

Same with @chubby cheeks. With chinatrust loan as per agreement there is PDC from the bank itself.

Pls advise. Ty

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author avatar Thine
4th Dec 2013 (#)

I have an ATM (a payroll account) and CC in one bank... unfortunately, i was not able to pay my credit card for about 6 months. Can they hold the money on my ATM?

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author avatar July79
16th Dec 2013 (#)

Tnx s lahat ng information regarding s cc c'ol'l'ec'tors , same all' of' you I already encounter harassment f'rom th'em

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author avatar Sunshine
2nd Jan 2014 (#)

Hi Nerd, Patricia and Izzy,
Please don't mind them, they are fool and stupid, Don't trust them and if they call you back in your office or mobile answer it and fight with them, Actually they don't have right and threaten a people. The debt is already paid by the insurance of the banks issued the CC.
If makulit pa murahin mo na cila...:)See you in court kamo usok ciguro tumbong nang kausap mo.

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author avatar Joyce
23rd Jan 2014 (#)

Hi! Ask ko lang po kse i have unpaid credit cards in dubai and sabe po ng collecting agency may "criminal" case na daw po naka-file saken, pag nagtravel po ba ako papunta singapore, will i get arrested po either here sa Phil. Immigration or Singapore Immigration? Thank you!

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author avatar Justine
5th Mar 2014 (#)

i have unpaid balance with metrobank. hndi nmn sa gusto kong takbuhan yung utang ko, kaya lang they are so inconsistent sa SOA nila. I've also received a letter from a certain law firm na need ko ng byaran yung unpaid balance ko. then after ilang months nag-email sila sa email ko na gamit ko sa office, na 54k n utang ko in which they have also sent me my SOA a week before they sent me the email. the SOA states that i owe them 43k by looking at it, there's a difference of 11k kaya nawalan ako ng gana tlga bayaran cla kasi malate ka lang ng isang araw 2k na yung dagdag. many of my officemates hndi na rin nagbayad kasi super laki magcharge ng metrobank at ang daming hidden charges. they have also said na hindi na ako makakapag-loan. which is obviously lie.

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author avatar Ingrid
8th Apr 2014 (#)

share ko lang..

last year january 24 2013 bigla na lang may tumawag sa drugstore namen na nasa crame na daw case ko. at may nagpunta dun na police may binigay na papel ta tawagan ko daw ung atty/agency para ma settle daw.. ayun sa takot tumawag naman ako.. hahaha! nsa 320k na daw kasi ung babayaran ko, at dahil daw may amnesty program cla. biglang 109k na lang babayaran ko hanggang jan 30 2013 lang daw kung hnd babalik sa dati yung utang ko na 320k.. na stress ako sobra! may pinagdadaanan pa nman ung business nmen.. text ng text at twag ng twag.. ang sabi ko nga 15k lang kaya ko munang bayaran. hnd ko kaya yung 109k. sabi nya sakin pasensyahan na lang daw kami at magakulong na lang daw ako! oh diba bongga nman yun.. since wala tlga akong alam pa tungkol dito sa rights ko.. unfortunately binayaran ko ung 109k sa bank mismo.. laking tuwa nung bruhang yun naisahan ako.. pro sa lahat ng mga sinabi nya sakin na masasama, mahinahon ko lang syang kinakausap.. pagkabayad ko nung pera tumawag ako sakanya,, parang konsensya sya sa mga pinagsasabi nya skn.. . anyway pera lang yun saka aminado nman ako na ginamit ko ung pera and dpat nmn tlgang bayaran. ang utang ay utang.. :)

God is the best Provider..

shopaholic girl.. :p

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author avatar Sherwin
25th Apr 2014 (#)

Hi Please help me! I have the same problem now. I have a credit card debt from citibank. My last payment was last dec 2013. And the bank called me that they already forward my account to their third party collection. Now, i am very much worried for all the threat and harassment of collection agency. My credit card debt is amounting 104k. I am very scared.

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author avatar Dia
12th May 2014 (#)

we both have the same problem, same bank. 140K for me now getting bigger alread endorsed sa collection agency.

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author avatar Bending.
11th May 2014 (#)

Share ko Lang experience ko 8 years ago may CC debt ako with HSBC can't remember how much sa Tagal na I'm here now in Australia mga almost 8 years Narin and Australian citizen na 2012 naka received ako ng message sa Facebook ko siningil ako so deadma ako at block ko yong sender recently naka received ako ng call sa work ko I'm sure agent collector yon so binabaan ko cya ng phone which is he was asking personal matter like date of birth etc... I said no, so ganito na ba cla ka desperate of money to call abroad?

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author avatar Dia
12th May 2014 (#)

with all those issues here..were are on the same path. I had been a good payer for years until sa i was offered bigger amounts of credit limit, i got maximized and then unfortunately i had business that wentdown, hndi ako nakabayad strating this March 2014. I recieved much calls, one has said a lot of things, hndi nila alam officer ako ng bank so I know my rights. I just set aside the call. I used the money, tinakbuhan ako ng mga borrower ko, one day, I need to pay this banks, but I need time. I don't know when, it's just that I am very much worried because I might be disqualified as an officer of a bank.Reading all especially those with legal notices, I myself when I was a Bank Manager, I send legal notices to bad clients so I knew the process. What is disturbing is even my office, they call me reminding my payments but I knew it is a collection agency anymore because they have bad manners. So I said, are you sure you are from ****bank, I don't receive calls from anyone. I only talk to the proper person representing the bank whom I owe something", the lady was irritated and I said again"""no.no please stop calling me, I don't know you, call me using the landline of this ***bank", what can she do now. My problem strated April 2014, I am expecting several calls soon. But I will deal with this issue SMART than them. Still, hope, to settle my loans in due time.

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author avatar Lady
12th May 2014 (#)

Hi everyone,

alam ko pong obligasyon natin mag pay, pero sa dami ng bayarin natin hindi na natin nakayanan. Alam ko namna na wala tayong balak tumakbo, pero ano nga nmana ang uunahin natin yung pamilya o cc?
Mam Dia, so since na sa bank kayo nag wowork and alam nyo process, so ibig sabihin po ba hwag kaming matakot at magpasindak. Kung sakalling ba mag patawag sila pwedeng iignore o hindi sumipot may implications po ba yun? Pwede bang di tanggapin ang mails? Noong una takot ako, pero ngayon medyo relax ako... marami rin akong cc at personal loans. ang hindi ko lang pinapapapabayaan ay yung ng issue ako ng checke kasi may kaso dun.. lahat din yan matatapos natin... Siguro alam naman nila na hindi tayo ganun kasi I also good payer for so long, ngayon lang hindi na ako ngabayad. As long as we know our rights. Thanks for this forum, for sharing.. it really helps. Ingat and pray that we have more courage and strength to face our obstacles

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author avatar Lady
12th May 2014 (#)

inquire regarding Chinatrust loan and BDO personal Loan. sa chinatrust di ako sure kung may pinapirmahan sila ng pdc... may kaso ba pag di ako ng pay? yung sa BDO over the counter, may kaso ba dun walang pdc po? need reply or advice... thanks

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author avatar Dia
22nd May 2014 (#)

I will never allow my HSBC credit card past due. So terrible, very rude ung tumawag sa akin. Ung Metro Bank, mabait, basta nagpay ako ng P1K para mg move daw ung account. Citibank-terrible din ang mga tumatawag. I suggested the others go to google-read DISKARTE (regarding write up ni Banker) about credit card.

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author avatar Dia
22nd May 2014 (#)

For several years, I am a good client, nabigyan ako ng extension for unpaid accounts. Ngaun-mg 120 days na, does anyone of you had experience being sued by citibank. I hope to find a remedy so i can pay na. I didn't like living with calls calling me for loans. My borrowers didn't pay me and all I need to do is just pray for them. I hope they will be blessed so they can pay me.

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author avatar Dia
22nd May 2014 (#)

Hi lady, letters from Banks are part of reminders. some are just ordinary mail, some are registered mail. Be very careful of intending not to receive registered mail-they might note their "refuse to accept", that will not do good to you. They might use that against you. Just accept and read. Due to several CC court cases, it is a long process I think. I will update you what happens to my case soon. Sna mg update si Sherwin dito what happened sa case nia.

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author avatar Oracle
23rd May 2014 (#)

hello po! thank u s mga post nyo mejo napayapa ako nakareceive kasi aq ng text today and i got so worried at first. then naisip ko mag search about it nagtaka lang aq kc wala nman ako narereceive na notice sa bank tapos subpoena agad. and for what i read, civil case not criminal case ang ra 8484. eto yung text : sa tingin nuo po ba peke ito?
Plaintiff vs.xxxx with Criminal/Civil case#24653-2 is filed in PASIG CITY HALL MTC BRANCH 32 under Judge: Benjamin Biazen for violating the R.A.8484 DEFRAUDING OF CREDITORS Law of the Revised Penal Code.SUBPOENA will be serve TODAY by SPO1 BUTCH SANTIAGO and SHERIFF MIKE DELA COSTA.For more info regarding ur case and to hold ur Subpoena you can call Atty.RANNY PALISOC at (02)413-0966.

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26th May 2014 (#)


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We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only.
mohamendloanservice@gmail.com

Please, do provide us with the Following information if interested.
1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Monthly Income:.....................
9)Occupation:...........................
)Which site did you here about us.....................
Thanks and Best Regards.
mohamendloanservice@gmail.com

www.mohammedloanserviceplc.com

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author avatar Jean
28th May 2014 (#)

HOW ABOUT YUNG SINASABI NA SMALL CLAIMS. PWEDE BA YUN IKASO SATIN.. MABILIS DAW KC YUNG JUDGEMENT 1 DAY LANG.

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author avatar Pia
25th Jun 2014 (#)

Hi Jean, there are small claims court for debts less than 100k. If I remember it right, walang lawyers na kasama dun. Here is a link with all the details re SCC: http://fitzvillafuerte.com/philippine-small-claims-court-how-to-make-people-pay-the-money-they-owe-you.html

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author avatar Hadassah
29th May 2014 (#)


Are you financially Squeezed?
Do you seek funds to pay off credits and debts
Do you seek finance to set up your own business?
Are you in need of private Use
business loans for various purposes?
Do you seek loans to carry out large projects/Real Estate
Do you seek funding for various other processes?

LOAN APPLICATION FORM.
(1)Full Name:
(2)Country:
(3)State:
(4)Address:
(5)Sex:
(6)Occupation:
(7)Amount needed:
(8)Loan duration:
(9)Loan purpose:
(10)Telephone

Send to the via email:(arabfinancialcorporation@yahoo.com.sg)

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author avatar Hadassah
29th May 2014 (#)


Are you a business man or woman? You are in financial difficulty or need funds to start your own business?nDo you need a loan to pay debts or to pay your bills?nYou have bad credit and have difficulty obtaining capital loan from local banks / other financial institutions?nYou need a loan for any reason, asna) Personal Loan, Business Expansion,nb) Business Creation, Education,nc) Debt Consolidationnd) Hard Money LoansnWe offer loans to individuals and companies at an interest rate of 2%, our services are fast and affordable, you can contact us via E-mail, arabfinancialcorporation@yahoo.com.sg

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author avatar Mrs Jean Wang Agg
6th Jun 2014 (#)

I can't hide this great testimony that take place in my life I will
love everyone to know it and be partaker, I am Mrs Jean Wang Agg by
name, I live in Texas, United State Of America, I want to thank
(Mr Erivan) for his kindness upon my family life.

I never knew that there is still nice lender like this on internet and
earth here. Just some Months Back, I was in search for a loan of
$50,000,00 as I was running out of money for feeding and rent. I was
scammed $2,800 Dollars and I decided not to involve my self in such
business again but a Friend of my introduced me to a loan company due to
my appearance and doings.

And I told him that I am not interested of any loan deal anymore but
he told me that there is still a nice lender who he will recommend me
to, and I made a trial and I am most grateful lucky am I today, I was
given a loan amount of $50,000.00usd, by this great Company (ERIVAN
LOAN COMPANY) managed by (Mr Erivan ) If you are in need of a
genuine or legit loan or financial assistance and you can be reliable
and trusted of capable of paying back at the due time of the funds I
will advice you to, contact her via:
erivanloancompany@yahoo.com. And you will be free from scams in
the internet.

All thanks to Mr Erivan You are the one who remove me and my
family out of poverty. The reason why i am doing this is that, i
promise Mr Erivan that if i truly got my loan, i will
advertize her company and bring customers to her company. Contact her
now at (erivanloancompany@yahoo.com) for the Loan you have been
looking for..

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author avatar Jp Finance
25th Jun 2014 (#)

Here is an opportunity for all those in financial trouble and those who are in need of loans for any reason, we give credit at a very reasonable interest rate of 2%, we give all kinds of loan to both individuals and firms, employed or unemployed individuals are all welcome. Many are suffering and need help to improve their standard of living, many are unemployed and need financial help to start a business, many need financial assistance to clean their bills and debts . whatever type of loan you need and for any reason just feel free and contact us today, this is a golden opportunity at your door step, contact us today at any of our email address (Jp.finance@aol.com or Jplenders@blumail.org) and get your loans today.

If interested in a loan, then simply contact us through our email below.

Name: James Parker
Email:Jp.finance@aol.com or Jplenders@blumail.org

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author avatar Easy
12th Jul 2014 (#)


Do you Need Personal Loan?
Do you Need Business Loan?
Are you in need of a loan?
Do you want to pay off your bills?
Do you want to be financially stable?
email:(easyloanoffer1@gmail.com)

Fill The Application Form.

1)Full Name:
2)Country:
3)State:
4)Address:
5)Sex:
6)Occupation:
7)Amount needed:
8)Loan duration:
9)Loan purpose:
10)Telephone

email:(easyloanoffer1@gmail.com)

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author avatar Chua Teo
14th Jul 2014 (#)

Good Day,

I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....

Email: chuateo_loansfirm@yahoo.com.sg

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author avatar Ofelia
28th Jul 2014 (#)

good day! Just want to ask if i am qualified? I'm from the Philippines. If ever i am, what are the requirements. Thank you

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author avatar Paul
15th Jul 2014 (#)

HELLO
Are you faced with stress in the acquisition of a loan?
Have you be dissadpionted by your bank?
Did you need a personal loan to secure a home, car and evaluate the
finances?
will help meet their financial obligations, especially with the current
financial crisis.
We offer Commercial loans, Personal / Residential and Others.
At 3% annual interest.
Apply for a minimum of $ 5000.00 to a maximum of $ 50.000.000.00.Apply
through
paulrobinsonloanfirm0@gmail.com or paulrobinsonloanfirm2@hotmail.com

Following is the borrower application form
FullName :_________
Gender :_________
Marital Status :_________
Contact Address:_________
City:________
Country :_________
Date of Birth :_________
Amount required as a loan :_________
Term loan :_________
Monthly / annual income :_________
Occupation :_________
Purpose of Loan :_________
Phone :________
Best Regards Mr Paul Robinson(MD

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author avatar Easy
16th Jul 2014 (#)


Do you Need Personal Loan?
Do you Need Business Loan?
Are you in need of a loan?
Do you want to pay off your bills?
Do you want to be financially stable?
email:(easyloanoffer1@gmail.com)

Fill The Application Form.

1)Full Name:
2)Country:
3)State:
4)Address:
5)Sex:
6)Occupation:
7)Amount needed:
8)Loan duration:
9)Loan purpose:
10)Telephone

email:(easyloanoffer1@gmail.com)

Reply to this comment

author avatar Jian
22nd Jul 2014 (#)

paano po kung halimbawa family member ung may utang then ang kinukulit at tinatawagan lagi ay ung ibang family members,.dumating na sa point na pati sa ofis ay tumatawag hanggang sa HR,. at may tumatawag na may pulis na papunta na daw at ipapadampot?pano yun,e hindi nman cla ung may utang kundi ung family member???

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author avatar Mr Ehis Lee
22nd Jul 2014 (#)

Attention,

Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: livehelploancompany6@gmail.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount.I am certified ,registered and legit lender.You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. I need your urgent response if you are interested.

First Information Needed From You:

(1)Full Names:
(2)Amount Needed as Loan:
(3)Phone Number:
(4)Duration:
(5)Country:
(6)State/Province:
(7)Monthly Income:
(8)Marital Status:
(9)Age/Gender:
(10)Loan Purpose:

NOTE:All Responses should be forwarded to:livehelploancompany6@gmail.com for quick processing.
Thank You,

Mr Ehis Lee

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author avatar Mohammed
23rd Jul 2014 (#)


Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only:
mohamendloanservice@gmail.com

Please, do provide us with the Following information if interested.
1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Monthly Income:.....................
9)Occupation:...........................
)Which site did you here about us.....................
Thanks and Best Regards.
mohamendloanservice@gmail.com

Reply to this comment

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