This follows after SEC received numerous complaints against LCs and FCs allegedly harassing borrowers and employing abusive, unethical, and unfair means to collect debt. Sa pagpunta nyo po at pagpirma ng Kasunduan please read carefully the agreement at humingi po kayo ng full penalty waiver or maximize discounted amount para po di na kayo ma default. no receipt, no proof. i keep on sending them emails pati Chinatrust na contact person ko but they dont reply. in some circumstance i am not be able to pay my obligations until now. @ mr. ed nabus Kasi sobrang dami na po and sobrang nahihirapan na po ako. Alam niyo ba mga parehas ko card holder pagkatapos namin mag usap na pinapabayad ako ng 25k after 10 mins. Mam Rea, Ngayon kayo na po ang magbabayad sa Car dealer ng halaga ng Car na inutang ninyo. This year’s report describes activities conducted by the Bureau and the FTC during 2018 in relation to debt collection. The federal Fair Credit Reporting Act covers how debt collection is reported in credit reports. Sa ngaun nag-aalala ako sa kalusugan sa kakambal ng baby namin at tatlong gulang naming anak. im wondering.. i was even surprised how they get to know where i work now samantalang 7months pa lang ako sa work at tumawag na sila sa main ofc namin (nasa branch ako sa province) at they threatende me tht theyll file 2 cases, pupuntahan ang HR namin ang they are obliging me to issue pdc sa feb 23.. i was able to get their address and told them ill be going to their ofc on thursday 2/17 to settle the amount. Dun po nagsimulang lomobo utang ko taong 2010, ng humiram ako ng 5 6 at sobrang gipit ako at sinabihang wla ng 20percnt na ngbibigay, din nag go ako sa 30 percnt. @raquel: not because you do not have a signed arrangement as long as you already USED the card, the arrangement or agreement between card issuer and cardholder TAKES EFFECT the very moment u use the card. pls do like our page too http://www.facebook.com/heptagoncredit follow us on twitter @heptagon_ccbis, @gracie sorry to tell you but you have a wrong notion about bp 22. its not a civil case its a criminal case punishable by imprisonment or fine, some would say walang kulong yan they would even quote Admin circular 1200 from SC which many people misinterpreted as abolishing the penalties of bp 22. Good day po! Is that legal? as he inquire the creditors she said the otang is amounted to 100,000 including the interest. Abandonment is that to which a person has voluntarily relinquished possession without vesting ownership to any other person. Hello po sir Ed., salamat po g marami sa site na to. Thanks Ano po ba ang pwede namin gawin? He’s trying to use the RA 8484 scare tactics used commonly by collectors. I am really very worried kasi nung mga 8 years ago, I issued some checks that bounced. Or you can send a message to PS Bank Remedial Department not to call your office coz it harms your employment. Mam Kelly, 702 Acts of lasciviousness ( self-explanatory.lol!) Philippine is a non judicial jurisdiction of Bahrain’s judicial system. maaaring 10 years na wala silang means to contact you or you might have changed your address. may roon po akong tanong my utang po ako na 40k sa isang lending last 2006 kaya lng hindi natuloy ang pag alis ko dahil wala pala akong visa di innisyuhan ng embassy kc kulang ako ng requirements kaya ipinagkatiwala ko ang pera sa isang empyeyado ng isang agency na nagpapaalis na isa kung kapitahay din ;at hindi mag issue ng pera ang lending hangat walang visa pero finake ng agency para daw makauha ako ng pang loan;pinagkatiwala ko ang pera na xa alanng magsauli pero hindi nya sinauli at ginastos nya ;hindi din nya ako binyaran para mabayara ko ung lending;sinisingil ako ng lending wala akong pambayad at di ko naman nagamit ang pera ao ang gagawin ko po andami kong demand letter. Isa akong enlisted Phil. wala talaga akong balak kumuha ng credit card, pero nung ilang buwan ng nasa drawer ko siya, naakit na akong gamitin siya. I had a bad credit in the past however, I was given such a request for reversal and certification on august 24,2009 forwarded to Bankard Recovery Dept.purposely to request a certification of payment where and how could I submit such in order to remove my name from thet of block listed. Kay Mr BatMan u are very right harapin natin sa korte kung ano ang complaint ng pinagkakautangan natin.On that case no one will call u up nor receive any demand letter. ask ko lang po pag po ba nadelay ka lang ng one month bayad sa amortization ng car loan sa bank, may karapatan na po bang pumunta ang employee ng bank para pumunta sa bahay nyo at kunin ang kotse niloan mo kanila? 3. Hi you can visit Credit Management Association of the Philippines (CMAP)at Rm. i need an ASAP advise. Kung wala naman pde ka po mag deposit ng amount na kaya mo using your loan number to any Chinatrust Branch.Di na po kayo pde kasuhan nun kc paying kau monthly pero di nga lang ung amount na gusto nila kundi ung amount na kaya mo.Matatapos din yan kahit paunti unti. Which means civil case, maapektuhan ba dun ang pagkuha ko ng mga documents e.g NBI Clearance or whatsoever? Wala tayong matatanggap na demand letter, collection letter kung alam natin ang sarili natin. (a) By using fictitious name, or falsely pretending to possess power, influence, qualifications or imaginary transactions, or by means of other similar deceits. Just pay you bills or call the creditor and make arrangements to pay your bills. trailer << /Size 92 /Info 66 0 R /Root 70 0 R /Prev 430250 /ID[<7f19c35b75bde654fbcc7f9c271dcf28><7f19c35b75bde654fbcc7f9c271dcf28>] >> startxref 0 %%EOF 70 0 obj << /Type /Catalog /Pages 65 0 R /CAPT_Info << /L [ (English US)] /D [ [ ] [ (Default)()] ] >> /PageLabels 64 0 R >> endobj 90 0 obj << /S 222 /L 301 /Filter /FlateDecode /Length 91 0 R >> stream Madali naman silang kausap at mabait un collector na nakausap ko.Nagbayad na ko-had to borrow from friends para lang matapos. pero kung may isinampang criminal case sa inyo at di ninyo hinarap Hindi ko po sila mapakiusapan, kaya minsan po pag me taong naghahanap sakin iniisip ko tuloy ito na ba ang scenario hindi ko naman po tinatakbuhan ang mga utang ko kaya lang talagang hindi ko pa po kaya. more power and GOD BLESS. Makakapamuhay tayo ng maayos kung wala tayong agam agam na dinadala. ? You’re welcome! We offer assistance on credit settlement, like getting an amnesty and offer arrangement of your payment based on your capability to pay. As I remembered it I still have more less 10K outstanding without interest and other charges. they have a different number 8973172. walang maipa-kita ang mga iyan. Hi, need ko some advice…nakatanggap ako summon fr MTC na may civil case na ako filed by counsel of CC company…eh prior sa filing ng case na-contact ko pa yong law firm requesting for mu balance and any payment option i can avail kc nung tumawag ako sa CC company ibinigay sa akin contact no nung law firm..anong posibleng mangyari sa akin?…at ano pa mga additional na ipapabayad sa akin aside dun sa principal? Can I possibly email your yahoo account po? Ang mga Law firm at Agencies ay nag eeffort sa atas ng kanilang client para matrace ang isang borrower lalo na kung ang account ay naisampa na sa court.Kung out of the country ka maaari mong iutos sa iyong nearest relative/representative to coordinate your account with the Bank or the Lawyer.if subpoena naman po ang pinadala sainyo nakalagay naman po jan kung saang court branch kayo pupunta.Maaari din po kayong humingi ng discount or amnesty on penalty waiver at makiusap ng term payment ayon sa kakayahan mong mabayaran. 3rd party agency, is it still better to go directly to the bank i owed instead of the agency? tsaka di ba dapat they will be given me a new unit of car if it is no recovery? This problem is regarding my PSBANK flexi loan which aount is only 100k na default po ako ng 4 months lang po umabot na ngayon ng 496,000.00. If anything goes wrong and they tried to intimidate your office, harrass your family, tell them you file a complaint to the BSP. ayaw nila pumayag sa date and the initial payment daw, is para hindi mapunta sa litigation yung case. basic steps lng un ah. Any professional advise please. Any person who, by means of violence, shall seize anything belonging to his debtor for the purpose of applying the same to the payment of the debt, shall suffer the penalty of arresto mayor in its minimum period and a fine equivalent to the value of the thing, but in no case less than 75 pesos. @superworry:You can file a complaint to your former employer for bouncing checks,Ikaw lang ang pde humabol sa kanya. 3.350,000 PESOS YONG UTANG NILA. Under the federal Fair Debt Collection Practices Act (FDCPA), a debt collector is someone who regularly collects debts owed to others. thanks again…somebody from the law firm who filed the compalint called me at nag-offer cla ny payment arrangement, you think pag may kasunduan na kami eh ma-cancel na yong summon ko at kahit di na ako pumunta sa MTC? At before po may nagpakilala pong mga police at hinahanap si mama ko at natakot naman po si mama. Ipagpapalagay ng Bank na tinakasan mo sila after availment of their service. Ma Tess, sir ed, bali bigla pong nag sara yung dating lending company. I was able to pay HSBC, AIG and Citibank in full last 2006 since they gave me amnesty. I don’t know about other countries but these guys helped me a lot with debt collectors and i think they are expanding to other countries. hi sir ed, Pagod na po ako sa mga utang ko at gusto ko ng matapos to. @Luna Saavedra: hi, just new here, need help lng din about bounce check (BP22) I could have paid them 3 years ago. Kung alam ko lang sana ndi na ako ngbayad pa ng monthly simula nawala ung car. Hundred Thousand Pesos (Php 100,000.00) per occurrence shall be imposed. Your email has bees replied. “Motion For Extension To File Answer” kasi ngayon lang niya nabasa My concerns are with regards a visit received the past January 20, 2016 from two representatives of the bank wherein I was personally handed a Demand Letter with Notice of Endorsement to Accredited Third Party Legal / Collection Agency. I have already sent her a message thru email, I opened an account in Bankard so I have an idea how much I’m going to pay but it will only updated during my cut off which is every 10th day of the month. Section 9. Nagkaroon ako ng credit card and dahil good payer ako, nagdatingan ang card khit hindi ako nagapply. my utang kase ako sa HSBC, ngayon, tinawagan ako ng isang collecting agency sa bago ko work, marami ang sinabe ng collector, dko naman naintindihan, lage nya lang sinasabe na dapat alam ko daw un, recorded daw ang aming conversation pero sinabe nya un after nya masabe lahat ng mga informatio na mukhang sya lang ang may alam, to make the story short, gusto nya na mabayaran ko ang aking utang sa friday, na nagkakahalagang 55k ata sbe nya. yes,ang magpa restructure ng credit card kahit na paying ka monthly still consider delinquent by the banks,ung iba nga day one pa lang after 60 days past due block listed ka na agad. Since 2007 haven’t rcv a call nor a letter from them until this week. PWEDE NYO PO BA IHACK ANG FB NYA? i know my directions already. 3. the collectors thought we want to finish our obligation instantly. is he have the right to sue me? God bless po tapos ngayon hinaharass siya nun Atty. I just migrated here in the US and i practically left my practice, my whole life in the phil. unang una gusto ko po ipauna sainyo na ang unang role ng agency or law offices is counselling.aalamin nila ang tunay na nangyari kung bakit defaulted si borrower or si card holder. hi mocha: sa simula ng message mo aware ka na may bayarin ka pa sa bank kaya ayaw mo mag resign?pero sa bandang huli nagtatanong ka kung may babayaran ka pa ba o utang sa bank?dapat nilinaw mo sa school kung ano ba talaga status ng pag paalis nila sau.isa pang mali bakit ka nag sign ng resignation gayong against ito sa will mo,tuloy di ka nakakuha ng separation pay kasi nag resign ka. I contracted personal loans with two banks and was required to issue postdated checks to cover the monthly amortizations required. during 1999 to 2013 lagi nya po kmi pinuputhan monthly minsan po weekly nkpg bibigay mo nanay ko 3t minsan kung kailan nya gusto pumunta ngbibigay po nanay ko. l have read some of the comments regarding cc holder who wasn’t able to pay back, all this law that was done by our government for the cc holder is only in our country, my question is what about the other Pilipino who works outside the Philippines who is also having the same problem for their cc.How our government could help them solve their problem with out being in prison?
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