money Usapang Utangan

[Duel of Fate]

Just now, Guest Anonymous said:

Si gcash ang hilig magdisplay ng pera sa gcash app khit hndi ka nmn umuutang at grabe kung mag offer 25k to 50k..What happen po if hndi ngbayad sa Gloan at Ggives ano mangyari as in khit zero wlng binayad makukulong at mkakasuhan ba si Gcash User?

not automatically. but eventually ifoforward sa collections agency ung utang. same with credit card or bank. 

ung gloan and ggives naman kasi is not sa gcash mismo but under FUSE lending, a separate arm of MYNT, the international payment processor of GCASH. 

ps. walang nakukulong sa utang sa pilipinas. so long as walang promisory note or bounced check. 

pss. they can eventually charge you with breach of contract. the filing fees they have to pay, however, should they pursue a case, will cost at least 5x more than the utang

psss. kapag may utang ka sa bank or financial firm and hit ang credit mapping mo, goodluck sa lahat ng ibang papeles mo in the future. 

[Anonymous]

18 hours ago, Duel of Fate said:

not automatically. but eventually ifoforward sa collections agency ung utang. same with credit card or bank. 

ung gloan and ggives naman kasi is not sa gcash mismo but under FUSE lending, a separate arm of MYNT, the international payment processor of GCASH. 

ps. walang nakukulong sa utang sa pilipinas. so long as walang promisory note or bounced check. 

pss. they can eventually charge you with breach of contract. the filing fees they have to pay, however, should they pursue a case, will cost at least 5x more than the utang

psss. kapag may utang ka sa bank or financial firm and hit ang credit mapping mo, goodluck sa lahat ng ibang papeles mo in the future. 

my kilala ako credit card utang 50k sa BPI at 70k sa BDO tpos hndi nmn sya nakasuhan at nkapagwork pa sya sa ibang bansa ngaun nkaalis pa din sya kpg ganun ba hinahayaan na lng tlga ng mga bank ang utang? @Duel of Fate

[Anonymous]

my kilala ako hndi ngbayad credit card utang 50k sa BPI at 70k sa BDO tpos hndi nmn sya nakasuhan at nkapagwork pa sya sa ibang bansa ngaun nkaalis pa din sya kpg ganun ba hinahayaan na lng tlga ng mga bank ang utang? 

sana po my makasagot?

[Duel of Fate]

4 hours ago, Guest Anonymous said:

my kilala ako credit card utang 50k sa BPI at 70k sa BDO tpos hndi nmn sya nakasuhan at nkapagwork pa sya sa ibang bansa ngaun nkaalis pa din sya kpg ganun ba hinahayaan na lng tlga ng mga bank ang utang? @Duel of Fate

dami mo tanong. 

para less tanong and less stress, bayad mo nalang.. kahit 2k per month. isang taon makaka 24k ka. 2,3yrs paid off un. 

hindi mabigat 2k. pinapampusta lang sa lakers ng nagtitinda sa commonwealth ung ganung halaga. 

[Mar16]

On 6/6/2023 at 6:21 AM, Guest Anonymous said:

GCASH ang hilig magdisplay ng pera sa gcash app khit hndi ka nmn umuutang at grabe kung mag offer 25k to 50k..Ask ko lng po @Mar16 what happen if hndi ngbayad sa Gloan at Ggives total of 30k ano mangyari as in khit zero wlng binayad makukulong at mkakasuhan ba si Gcash User?

Kung utang lang po yan na loan, wala po nakukulong sa utang. Pero pwede po nila kayo kasuhan ng civil case for collection of money. Check nyo po yung contract nyo kung ano mga nakalagay dun.

[Mang Ricky]

On 8/14/2022 at 10:08 AM, theoneandonlymistressmia said:

Had a small claims case. Judge dismissed the case simply because nag tatago na yung nangutang. Despite the fact that the respondent gave an address and we deliver it to them and they refused to receive then we secured an affidavit of refusal.

Only in the Philippines ka makakakita ng ganyang klase ng judge na may ganyang klase ng mindset. 

Eto pa....

"I advise you to look for the person on your own muna. Once you found her, refile na lang"

Case dismissed. A round of applause. Kaway kaway nga pala sa judge ng Pasig.

Bulok ang sistema ng hustisya dito sa Pinas. Kung nagkataon na milyon milyon ang hinahabol mong utang, tutulungan kpa ni judge bopol.

[keenpee]

hi po pued magtanong? ask ko lng if merong pending ba utang due to accummulation ng annual fee and finance charges sa credit card and di nabayaran. may habol ba ang bank to secure or garnish properties ng may utang? 

[MartinDomingo]

baon nako sa utang

mabayarran ko na sana

sana lumabas na bonus ko

[chessboxin]

The problem here in the Philippines is that people see generosity as a weakness they can exploit.

I used to give my secretary small amounts of bonuses out of pocket whenever I get some commission. Despite this, she frequently borrows money. Initially it was just small amounts and she'd pay it back the next week. Then there came a time when she borrowed around 10K, telling me she'll use it for her buy-and-sell business. She promised to pay it back in 2 weeks.

3 months have already passed, nothing. The worst part is I saw her receive her bonus and she didn't even bother to pay even 1K or 2K.

I got tired of it so last Christmas I told her to forget about it and that it's already my gift to her. But I also told her I won't be lending money to people anymore. I didn't tell her but I also stopped giving her the occasional cash gifts. I guess in the long run, I saved some money din because I already have a reason not to be generous to her.

There's no use being nice here in the Philippines. People just abuse you.

[Ynos]

May utang sakin gusto ko siya singilin pero ako na nahiya magsingil dahil kaibigan ko sya lagi kami nagkikita pero hindi namin napaguusapan yung utang please advise me paano ko sya masasabihan hoy utang mo with friendly way thanks and advance

[damian filey]

56 minutes ago, Ynos said:

May utang sakin gusto ko siya singilin pero ako na nahiya magsingil dahil kaibigan ko sya lagi kami nagkikita pero hindi namin napaguusapan yung utang please advise me paano ko sya masasabihan hoy utang mo with friendly way thanks and advance

Iremind mo lang siya in a calm and friendly way. Wag ka mahiya, siya pa nga dapat mahihiya sayo. Pag usapan niyo kung may capacity yang debtor friend mo na mabayaran utang. Ikaw bahala kung by installment or lump sum tsaka pwede kayo mg set ng date kung when mo pwede makuha sa kanya if may capacity to pay siya. Communication is key. 

[BoredSenpai]

11 minutes ago, damian filey said:

Iremind mo lang siya in a calm and friendly way. Wag ka mahiya, siya pa nga dapat mahihiya sayo. Pag usapan niyo kung may capacity yang debtor friend mo na mabayaran utang. Ikaw bahala kung by installment or lump sum tsaka pwede kayo mg set ng date kung when mo pwede makuha sa kanya if may capacity to pay siya. Communication is key. 

Apart from the above, better put things in writing / screen cap any agreements if ever you decide to lend to people you know in the near future. Ensure the timeline for payment is define and how repayment would be done. Don't agree to lend out without those 2 and don't let people gaslight you into not paying back based on your agreement or changing the agreement without your consent.

Documentation is key regardless if it is a friend or relative (sad to say) because you have to look out for your own well being first before helping out others.

[troop]

don't lend any amount that you can't afford to lose

[bulked721]

Kapag magpapautang sa mga friends make sure magbilang. Minsan naiisip natin na maliit na bagay lang ito especially sa mga friends talaga natin (i.e. elementary school friends). Pero kapag napansin ng isa na hindi balanced yung give and take and nagkaroon sya ng resentment, hindi lang pera yung nawawala. Pati yung friendship. So magbilangan kayo. This is not a small thing.

[ganjzz]

I had a salary loan with a bank through Uploan. I'm no longer with the company and the bank has transferred the collecting to a collection agency. Should I be worried of being imprisoned if I don't pay? (I'm currently unemployed)