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#21 top secret

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Posted 13 February 2014 - 03:52 PM

So far.. wala pa namang tumatawag ulit...

Nagresearch din ako sa internet... grabe pala talaga kung mang-harass ang mga collection agencies (law offices)...

I still intend to fix this... kahit magbayad ako... pero hanggang P10k lang siguro... dahil questionable naman talaga yung transaction na naka-charge sa'kin...

#22 top secret

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Posted 18 February 2014 - 04:26 PM

Tiningnan ko yung mga demand letters na dumating sa'kin since 2011... naka-3 law offices na pala yung account ko...

#23 Quagmire2008

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Posted 09 April 2014 - 01:29 PM

By law, credit card non-payers are protected because just like any other business, sometimes people experience downturn in their financial capabilities so it is just a civil case. But in actual practice, banks/financial institutions have a certain percentage (3% me think) of total loans given as potential bad loans. Now banks/credit card companies are fine with that because the interests and charges far outweigh the effect of these non-performing loans. In other words, it is accepted and what the banks do is to sell them to special purpose vehicles like collection agencies at very very low price. (sometimes at only Php 1 ) Now if the borrower doesn't know about this, collection agencies do everything to collect on something bought at very low price (next to nothing). Now why do banks/credit card companies don't collect themselves? It is because if the good borrowers know that "Hey, they can give discounts or even offer below principal balance settlements, why should I continue to pay?" Now that you know this, should you pay collection agencies who won't go to court because there is no certainty that the borrowers will pay who simply bought the rights on something that banks/credit card companies are willing to accept?(i.e. non-performing loans) :)

#24 crazyhorse79

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Posted 09 April 2014 - 04:33 PM

any ideas how we can get back at these collecting agencies? pwede ba natin sampahan ng kaso itong mga taong ito and what are the chances na manalo ang kaso isasampa natin?

#25 Google

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Posted 21 April 2014 - 04:56 PM

So pano ulit kung kukuha ka ng NBI clearance??? magkakaproblema ka ba dun sa NBI???


NBI only deals with criminal cases. If ever magsama sila ng kaso sa iyo, it will be a civil nature, so hindi kasama ang NBI dyan.

#26 Google

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Posted 21 April 2014 - 05:00 PM

I do not know how they got my cp #... but a certain Atty.___________ called me up this morning. He said that they will proceed to the Municipal court of Pasig to ask the Court Sheriff to seize whatever real or personal property that I have. He said that it is related to a case that they filed for my violation of RA 8484.

He gave me until 5pm today to call him for the settlement of my (alleged) debts. If not, I could expect the sheriff to come to my house tomorrow. He said that they made their research already and knows my properties. He mentioned the plate # of my car (with make and model) and told me that it would be seized/garnished as settlement for my debt.

What will I do?


First things first.

a. No seizure of real or personal property can occur unless the credit card companies file a civil case of sum of money and a decision is handed by the court... Matagal na proseso yan.
b. Under garnishment, there are exemptions under the civil code. Among of which is the family home, tools that you need to earn your living, personal belongings like clothes, furnitures, etc.

So unless you have received a summons for a civil case, ignore them.....
Anything tantamount to that is equivalent to robbery. Sila ang pwede mong kasuhan.... Criminal case ang robbery.... May kulong and may hit sa NBI.






#27 Google

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Posted 21 April 2014 - 05:02 PM

any ideas how we can get back at these collecting agencies? pwede ba natin sampahan ng kaso itong mga taong ito and what are the chances na manalo ang kaso isasampa natin?


There are lots of things you can do.
First is you can sue for harassment, oral defamation or vexation.
But then again, you would have to have sufficient evidences and time and money to spare. Kailangan mo ng abogado eh, and kailangan mo mag attend sa court hearings.

#28 top secret

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Posted 25 April 2014 - 02:52 PM

Thanks for all your opinions... I now know what to do just in case some collectors/agents try to disturb me again...

#29 maddromeo

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Posted 04 May 2014 - 11:42 AM

collecting agencies lang lahat yan! Law office kuno lang at Atty. no cases lang mga yan!
Credit card lang naman yan at hinde personal loan na nagbigay ka ng collateral kaya kalokohan sasabihin nila kukunin nila bahay mo!
At last but not the least lagi ko nga sinasabi bawi na sila sayo, compute mo na lang yung minimum payment na binayaran mo sa kanila in 1 year eh & plus charges pa! Kapag tumigil ka na sakanila magbayad eh may insurance naman yan! :P

#30 play_boi

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Posted 19 May 2014 - 09:15 PM

ask ko lang sa mga nakakaalam. May Car Loan ako sa isang Bank at the same time may credit card. na delay ako sa kotse ng ilang months kasi talagang hirap ako kumolekta sa clients ko pero plan ko na bayadan in full para ma kuha ko na ang CR ko. how ever ang sabi ng tumatawag saakin kailangan ko din bayadan ang Credit card ko dahil meron sa contract na dapat bayadan din yun para i release ang CR. tama ba yun?

#31 Google

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Posted 20 May 2014 - 01:26 PM

ask ko lang sa mga nakakaalam. May Car Loan ako sa isang Bank at the same time may credit card. na delay ako sa kotse ng ilang months kasi talagang hirap ako kumolekta sa clients ko pero plan ko na bayadan in full para ma kuha ko na ang CR ko. how ever ang sabi ng tumatawag saakin kailangan ko din bayadan ang Credit card ko dahil meron sa contract na dapat bayadan din yun para i release ang CR. tama ba yun?



nope..... the car loan is a secured loan and is of a separate account that your credit card account, which is an unsecure account.
unless may specific condition dun sa car loan contract mo about this.



#32 beastie

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Posted 28 June 2014 - 07:37 PM

Estafa ba ang tawag sa kaso na pwedeng I file sa taong umutang sa iyo at ayaw na magbayad despite having a written agreement? Yung collateral na ginamit nung umutang is an original certificate of title sa lupa na pinahiram sa kanya. Can the bright lawyers in this forum enlighten me?

#33 Google

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Posted 03 July 2014 - 12:37 PM

Estafa ba ang tawag sa kaso na pwedeng I file sa taong umutang sa iyo at ayaw na magbayad despite having a written agreement? Yung collateral na ginamit nung umutang is an original certificate of title sa lupa na pinahiram sa kanya. Can the bright lawyers in this forum enlighten me?


i am not a lawyer, but imho, estafa comes with an intent of deception. so dapat merong ganyang evidence.
in your case, parang ubra, since hindi naman sa kanya yung titulo ng lupa na ginamit nyang collateral.

opinion ko lang po.




#34 eckerdecker

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Posted 20 August 2014 - 12:05 PM

How about Bank Loan...me utang ako sa Bangko na 20,000.00 ten years ago no collateral...nawalan kasi ako ng work dati.. then ngayon 150,000 plus na daw ang utang ko...base sa batas ilang percent and how much lang ung dapat ko talaga na bayaran...tnx po sa sasagot..

#35 eckerdecker

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Posted 20 August 2014 - 01:03 PM

How about Bank Loan...me utang ako sa Bangko na 20,000.00 ten years ago no collateral...nawalan kasi ako ng work dati.. then ngayon 150,000 plus na daw ang utang ko...base sa batas ilang percent and how much lang ung dapat ko talaga na bayaran...tnx po sa sasagot..
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#36 winfliz

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Posted 22 August 2014 - 01:30 PM

Mahirap magloan ngyn. Kaya wag magastos at ipon ipon tipid ng tipid at kayod ng kayod. Ung may utang sa bank kausapin nyo bank pra ma adjust utang nyo or kung paano na madali lng bayaran. Alam ko may limit sa ilang percent ang 8nterest n pwd ipatong sa loan

#37 johnbmikael

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Posted 25 August 2014 - 06:07 AM

How do I get away from 5/6?

#38 maddromeo

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Posted 25 August 2014 - 04:41 PM

simple lang! pay the initial amount! pakiusapan mo na wala na tubo... kung ayaw ehdi takbuhan!

#39 bozChips

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Posted 25 August 2014 - 05:56 PM

So far.. wala pa namang tumatawag ulit...

Nagresearch din ako sa internet... grabe pala talaga kung mang-harass ang mga collection agencies (law offices)...

I still intend to fix this... kahit magbayad ako... pero hanggang P10k lang siguro... dahil questionable naman talaga yung transaction na naka-charge sa'kin...


questionable pero willing mag bayad??? common... make up your mind... kulang ka pa ng research IMHO

#40 ernierapon

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Posted 26 August 2014 - 02:16 AM

Talk to the bank and haggle, yes haggle. Mostly babayaran mo is interest lang and parang may amnesty program yan na pwdeng 50% babayaran mo then fully paid ka na




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