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#61 Retz

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Posted 01 September 2015 - 05:25 PM

Nakaka tempt mangutang ng malaki tapos hindi ko babayaran based on reading the article above.   :D



#62 kuneho92

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Posted 02 September 2015 - 01:16 AM

patulan nyo yun "call for cash" ng citibank at wag na kayo mag bayad! hahahaha



#63 Google

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Posted 10 September 2015 - 02:47 PM

Salamat in advance sa makapagpayo.

Sa balak pumasok ng small time lending business, na isasangla
ang ATM card, ano proteksyon ng nagpautang sakaling mag declare sa banko ang umutang at sabihin nawala and ATM CARD at mag request ng bago ?

wala kang proteksyon dyan.



#64 PG007

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Posted 17 October 2015 - 10:37 PM

Applicable din po ba ito sa loan? :)

#65 Google

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Posted 21 October 2015 - 02:19 PM

Applicable din po ba ito sa loan? :)

it is, as long as you did not issue post dated checks.

ibang usapan pag may tumalbog na cheke.... either BP 22 or estafa.



#66 r35gtr

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Posted 21 October 2015 - 02:34 PM

Actualy kung may utang , bayadan.  huwag ng magmatigas pa na hindi babayadan. 

 

If you are a businessman or planning to become a businessman one day, huwag mo sisirain ang credibility mo by not paying,  if hindi mo bayadan ang card bilss mo yourname will be in a system that can be seen by all banks.  kaya pag mag apply ka ng loan one day, deny ka.

 

Also it is not right to spend money that is not yours then di mo babayadan.  I have no respect for people na ganito.

 

I have an auntie na gusto mag bakasyon pero uutangin sa akin ang pangbakasyon niya,  wtf,  papasarap ka gamit pera ng ibang tao.

 

mga tao na bumili ng magagarang damit tapos ayaw bayadan ang credit card.  buwahahaha kayo



#67 r35gtr

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Posted 21 October 2015 - 02:38 PM

ano yung worst case scenario pag di ka nakapagbayad ng deliquent credit card? will it affect the future status of your children?

 

 

worst case, halimbawa , bahay mo ang ang pinupuntahan nila , puede nila ito habulin kung malaki utang mo sa banko, puedeng maguhitan ang titulo mo so to speak.

 

  and one day pag gusto mo mag negosyo , baka naka blak list na pangalan mo



#68 Ricardio

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Posted 22 October 2015 - 02:37 AM

Hello Sir/Maam, ask ko po sana kung ano habol ko sa situation ko. meron kasing taong may utang sakin na almost 190,000 pesos. ngayon po wala na sya sa bahay na nire-rent nya na tinirahan nila ng more than 10yrs pati anak nya kasama nya. sabi sabi nasa probinsya na raw nagtago. unattended na mga cellphone number nya pati nga po facebook nila deactivated na rin. yung utang po nya inutang ko rin halos lahat yun. pwede ko po ba ito idemanda kaso di ko alam kung nasaan sya? thanks po.

Sir pwede civil action yan sir for demand/collection of money(alam na ng abogado yan)

Pero pwedeng criminal action of estafa if : nagissue cya ng checkeng walang laman (alam nya walang laman at intention nya na lokohin ka para lng makautang)

 

and/or
 

Under B.P.22(Bouncing Check) - if: 1)nag issue cya ng check 2) alam nyang walang laman o kulang ang laman 3) tumalbog ung check

Pinaka importante dyan sir malaman mo ung address ng umutang sayo, kse kahit mgfile ka ng kaso d yan uusad hanggat d cya nabbigyan ng copy ng complaint mo at mabigyan ng summons, d kse magkkaroon ng jurisdiction ung court to try the case kpag d na notify ung defendant/accused na mayroong kaso against him/her.

 

Kng Criminal Action yan sir kailangan pa rin ng kse na manotify ung accused dyan. tsaka kng nagtatago ung warrant of arrest d rin maseserve sa kanya kaya d rin matutuloy ung case

prepare mo na rin ung mga evidence na pwede mong magamit sa kaso e.g. promissory note, any document na inaacknowlege nya na may utang cya sayo, or note na ng bayad cya ng kahit 1 beses at may na tira png balance sa utang nya.

kng criminal action iffile mo dalhin mo na din ung evidence mo para maconvince ung fiscal na may legitimate case ka against dun sa tao

hope mkatulong sir. ( any lawyers dyan, you may correct me if mali ako, i humbly submit to your vast knowledge of the law) :}



#69 PG007

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Posted 22 October 2015 - 09:30 AM

it is, as long as you did not issue post dated checks.

ibang usapan pag may tumalbog na cheke.... either BP 22 or estafa.

Aw! may checks involved :(



#70 Google

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Posted 22 October 2015 - 10:23 AM

 

 

worst case, halimbawa , bahay mo ang ang pinupuntahan nila , puede nila ito habulin kung malaki utang mo sa banko, puedeng maguhitan ang titulo mo so to speak.

 

  and one day pag gusto mo mag negosyo , baka naka blak list na pangalan mo

 

on the house, it depends. family home is exempt from execution, as per civil and family code.

and if the value of the property is bigger than the amount of debt, it can't be, dahil kailangan suklian ka nila on the excess amount. it would mean that the bank would spend more in getting a property which can be considered as an idle asset in the long run.... may costs pa like transfer of title costs, real estate taxes costs, maintenance and repair costs. worst thing a bank can do is to attach a lien on the property na hindi mo mabebenta until na clear mo yung lien sa kanila. but of course, the bank would have to file and win the civil case first, get a writ of execution first.

 

however, the bank can still acquire properties if:

a. nakasanla sa kanila yung property

b. collateral yung property on a loan

but still, they have to file the appropriate court case. di basta basta pwede kunin yun. for credit card and personal loan purposes, hindi pwede basta basta mangyari yan.

 

on business loans, yes correct. it can hold true.... but if you are in a corporation, mas madaling gawaan ng paraan dahil madaming options (collateraled purchase orders, corporate properties as collaterals, etc.)



#71 MosaiqSky

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Posted 22 October 2015 - 02:06 PM

Excellent thread. Very good read for credit cards holders, and also for those without credit cards yet. Helps to be educated on this matter, para hindi ka nabubully ng mga collecting agencies.



#72 Google

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Posted 22 October 2015 - 03:31 PM

Excellent thread. Very good read for credit cards holders, and also for those without credit cards yet. Helps to be educated on this matter, para hindi ka nabubully ng mga collecting agencies.

If you do not have credit cards yet, better do not get at all, or get just one and manage it.



#73 ej_qn

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Posted 02 November 2015 - 04:47 AM

That's why I just stick to Debit Cards.  Kung anong gusto ko i withdraw will totally depend nalang sa amount na nasa loob ng account ko kaya imposible magka utang ako sa bangko. :)  Very informative din about sa credit card although mahirap pa din kasi the bank can afford to have an army of lawyers, what's 20-50k a lawyer kung ang hahabolin sa'yo 200k+interest+penalties+damages+atty fees pag nanalo sila diba? Simple math. Madalas naman pag may laban ka eh mapapasuko ka rin dahil puro pa reseched hanggang maubos na oras at pera mo sa mga hearing na yan na walang napuntahan din.


Edited by ej_qn, 02 November 2015 - 04:48 AM.


#74 Deutsch23

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Posted 02 November 2015 - 11:05 PM

Hi po Sa lahat Ng mga nandito. May isasangguni Lang po ako na issue na halos ikamatay Ko na po sa pgaalala at umaasang matutulungan nio po ako. Mayroon po akong letter na natanggap Sa Robinson's bank, Ito po ay past due loan account. Originally po ay 15k ung utang Ko pero kada nbabayaran Ko po ung klahati ay nkakapgrenew ako. Bago po ako mgresign Sa pinapasukan Ko tinanong Ko po kung mgkano pa ang balance around 7k o halos kalahati na Lang, kya inisip Ko po na at least maccover Ng back pay. Isang taon na po ang nkalipas to be exact at ntnggap Ko po ung letter. Kinakabahan po ako Kasi "inhouse collection" po iyon Ng mismong bank at ung utang 16k na nakakagulat, Sa letter din po Kasi nkalagay ung "lawsuit" kya halos ikamatay ko na po talaga. Ano po ba ang gagawin Ko? Gusto Ko po bayaran Kaso isang taon na din po akong work so wala po talaga akong mapiga. Hindi Ko na po tlga alam kung ano mangyahari. Nkpagbasa din po ako Ng mga blogs regarding Sa same treatment Ng CA - collection agencies, CC - credit card defaulters pero ung issue Sa "lawsuit" ay wala pang nabanggit. Please tulong po. Maraming salamat Sa gumawa Ng ganitong blog site.
.

#75 Deutsch23

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Posted 04 November 2015 - 12:58 PM

Hello??? Patulong naman po..

#76 Google

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Posted 04 November 2015 - 01:19 PM

Hi po Sa lahat Ng mga nandito. May isasangguni Lang po ako na issue na halos ikamatay Ko na po sa pgaalala at umaasang matutulungan nio po ako. Mayroon po akong letter na natanggap Sa Robinson's bank, Ito po ay past due loan account. Originally po ay 15k ung utang Ko pero kada nbabayaran Ko po ung klahati ay nkakapgrenew ako. Bago po ako mgresign Sa pinapasukan Ko tinanong Ko po kung mgkano pa ang balance around 7k o halos kalahati na Lang, kya inisip Ko po na at least maccover Ng back pay. Isang taon na po ang nkalipas to be exact at ntnggap Ko po ung letter. Kinakabahan po ako Kasi "inhouse collection" po iyon Ng mismong bank at ung utang 16k na nakakagulat, Sa letter din po Kasi nkalagay ung "lawsuit" kya halos ikamatay ko na po talaga. Ano po ba ang gagawin Ko? Gusto Ko po bayaran Kaso isang taon na din po akong work so wala po talaga akong mapiga. Hindi Ko na po tlga alam kung ano mangyahari. Nkpagbasa din po ako Ng mga blogs regarding Sa same treatment Ng CA - collection agencies, CC - credit card defaulters pero ung issue Sa "lawsuit" ay wala pang nabanggit. Please tulong po. Maraming salamat Sa gumawa Ng ganitong blog site.
.

 

how can you be sure na talagang inhouse collector ng bank yan? maski mga collector ngayon na outsourced ginagaya ang letter head ng bank..... was the letter signed by an authorized bank officer?

 

if it is really signed and authentic, try to contact the bank and try to negotiate with them in paying in installments. if they agreed, document the agreement. keep all your payment slips as records.

 

lawsuit? it is only a civil case of sum of money.... hindi criminal case yan.... and if they do file a civil case against you, they will win dahil may pruweba sila... unless you contest everything in court.

 

note : a civil case does not limit you to travel abroad, nor it will show in your NBI clearance.... it is similar to an annulment case (which is civil also in nature).

but kung may pambayad ka, try to negotiate with the bank..... kung wala, wala.... kung makasuhan ka, they will just go after your properties and bank deposits which is not exempted under the civil code or the family code. kung wala kang property, di wala..

 

one more.... if you have the cash, let's say, around 15k, try to talk to them to see if they can still waive penalties and certain interests... baka pwede pa pababain yan..... but kung may cash ka ha? kung wala, balik sa installments, but you cannot negotiate to waive off the penalties and interests.... installment kasi eh.


Edited by Google, 04 November 2015 - 01:21 PM.


#77 Deutsch23

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Posted 04 November 2015 - 02:09 PM

Well ung letter po from the bank itself same phone #s, details and emails pati din ung envelop. May name po kung sino and kkontakin pero wala po Ni isang authorized na signature from the bank. Saka"in house collection unit" un Lang po, nklgay din Sa letter na iendorse nila Sa external collection aun po. Sinubukan Ko pong twagan last week pero either busy at nadidisconnect Lang ung line. Nagemail din po ako s dapat kontakin n nklgay Sa letter dahil pede naman daw pero wla ding reply. So magrereflect po Ito Sa NBI? Wla po akong pambayad ska problema din po ung Sa bahay Kasi wla ding pambayad Sa rights at wla ding deposits or kahit ano po tlga. Isa pa po pala Kasi Sa naalala Ko around 7k nalang ung balance bago po ako mgresign isang taon na po ang nkalipas nkakapagtaka din po na Sa 16k+ excluded ang interest, penalties and charges. Ano po bang maipapayo nio Sa ngaun lalot Una Hindi Ko po alam ang gagawin, ntatakot po akong manggulo sila dto. Pero Sa totoo Lang po pag nkapagwork na ulit gusto Ko pong bayaran pero pressure Kasi itong nsa letter.. Maraming maraming slamat po Sa reply nio. Mejo gumaan kahit papano ang nararamdaman Ko.

#78 Google

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Posted 04 November 2015 - 03:49 PM

Well ung letter po from the bank itself same phone #s, details and emails pati din ung envelop. May name po kung sino and kkontakin pero wala po Ni isang authorized na signature from the bank. Saka"in house collection unit" un Lang po, nklgay din Sa letter na iendorse nila Sa external collection aun po. Sinubukan Ko pong twagan last week pero either busy at nadidisconnect Lang ung line. Nagemail din po ako s dapat kontakin n nklgay Sa letter dahil pede naman daw pero wla ding reply. So magrereflect po Ito Sa NBI? Wla po akong pambayad ska problema din po ung Sa bahay Kasi wla ding pambayad Sa rights at wla ding deposits or kahit ano po tlga. Isa pa po pala Kasi Sa naalala Ko around 7k nalang ung balance bago po ako mgresign isang taon na po ang nkalipas nkakapagtaka din po na Sa 16k+ excluded ang interest, penalties and charges. Ano po bang maipapayo nio Sa ngaun lalot Una Hindi Ko po alam ang gagawin, ntatakot po akong manggulo sila dto. Pero Sa totoo Lang po pag nkapagwork na ulit gusto Ko pong bayaran pero pressure Kasi itong nsa letter.. Maraming maraming slamat po Sa reply nio. Mejo gumaan kahit papano ang nararamdaman Ko.

i think the letter is not genuine....

hindi magrereflect sa NBI pag kinasuhan ka ng civil case.

gaya nga ng sinabi ko sa itaas, kung may cash ka, contact the bank directly and try to negotiate...

kung walang pera, also try to negotiate for installments.

hwag kang makikipagusap sa collector.... sa banko ka lang makipagusap.

 

pag nanggulo yan sa bahay mo, ipa pulis mo.... kasuhan mo.... oral vexation.... criminal case yun and may kulong..... may hit sa NBI.... hehehehe.



#79 Deutsch23

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Posted 04 November 2015 - 04:09 PM

Sige po maraming salamat. Napaisip tuloy po ako tungkol Sa letter na mukhang totoo from envelop and other details nkakapagtaka Kasi prang Hindi sila macontact din tlga. Sobrang maraming maraming salamat po at gumaan na din ang pakiramdam Ko. Hindi Ko po gustong takbuhan kung nainform Lang dn Sana ako Ng MAs maaga MAs ok prng sobrang late na dn pero I know in time mkakapgbayad din po ako. Sir/mam sobrang tinatanaw Ko po itong utang na loob sa pgrespond nio. God bless po and maraming salamat po. Isa na Lang po, maari Ko din po bang palitan ung SIM o number Ko lalot Isa p po ung kahinaan ko na sumagot Sa tawag at mkgwa o mkpgsabi Ng Mali lalot mpressure ako..

#80 Google

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Posted 04 November 2015 - 05:22 PM

Sige po maraming salamat. Napaisip tuloy po ako tungkol Sa letter na mukhang totoo from envelop and other details nkakapagtaka Kasi prang Hindi sila macontact din tlga. Sobrang maraming maraming salamat po at gumaan na din ang pakiramdam Ko. Hindi Ko po gustong takbuhan kung nainform Lang dn Sana ako Ng MAs maaga MAs ok prng sobrang late na dn pero I know in time mkakapgbayad din po ako. Sir/mam sobrang tinatanaw Ko po itong utang na loob sa pgrespond nio. God bless po and maraming salamat po. Isa na Lang po, maari Ko din po bang palitan ung SIM o number Ko lalot Isa p po ung kahinaan ko na sumagot Sa tawag at mkgwa o mkpgsabi Ng Mali lalot mpressure ako..

 

walang anuman.

ingat ka, madaming manloloko and scammers ngayon.

and dun sa tanong mo kung pwedeng palitan ang SIM o number mo, walang batas na nagbabawal sa iyo na gawin yun. kaya pwede mong palitan ang number mo kung hindi mo sila kayang kausapin.






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