These are some of the initial comments I got for 2009.It's all aboutVISITS(again!) I thought it might be timely to update and republishour 7/08 Chapter.Case No. 1ocianne said...hi banker,happy new year! although mine was not so great. problema din sa CC. sometimes i feel like killing myself kasi sobrang baon na ako sa utang sa mga credit cards na yan..... kasi nahihiya talaga ako pag may CA na pumupunta sa bahay at ang kasama namin ang minumura mura e.

Case No. 2may nagpunta n rin d2ng babae s bhay nmin n tga molaer at nagoccular din pra nmn s bankcard cc ng misis ko

Case No. 3Anonymous said......ang kulit banker nabwiwisit na ko pumunta ba naman sa bahay buti na lang tinago ako ng mga father ko ito pa nag worry banker baka biglang pumunta sa work area ko na skul nakakapraning, ano ba dapat kung gawin pag nagpunta? at makita ko...

Trespass to dwellingArt. 128. Violation of domicile. anypublic officer or employeewho, not being authorized byjudicial order, shall- enter any dwelling against the will of the owner thereof- search papers or other effects found therein without the previousconsent of such owner, - having surreptitiously entered said dwelling,and being required to leave the premises, shall refuse to do so.Crimes Against SecurityArt. 280. Qualified trespass to dwellingAnyprivate personwho shall enter the dwelling of anotheragainst the latter's will. by means of violence or intimidationPENALTYMinimum 2 years, 4 months and 1 day maximum of 6 yearsand a fine not exceeding 1,000 pesos.Bail required P12,000.00

You have the right to refuse entry to anybody, especially collectors.Ask them WHAT IS THEIR BUSINESS ( more often mag-dala lang ng 1/4 piece of paper yan)If they request entry, ask for:1.Their authority from the supposed collection agency2.Appointment of their Collection Agency from the bank3.Board Resolution of the bank authorizing such appointmentmarami pa - ID,Statement of Account duly signed by authorizedsignatory of the bank,etc.and etc.

Normally WALA silang maipakita. Conclusion? they are just there to harass you and milk money from you and its EXTORTION/FRAUD/ESTAFA/DECEIT:Revised Penal Code states :..By means of any of the following false pretenses or fraudulent acts executed prior to or simultaneously with the commission of the fraud:(a) By using fictitious name, or falsely pretending to possess power, influence, qualifications or imaginary transactions, or by means of other similar deceits.(b)By inducing another, by means of deceit, to sign any document.Art. 318. Other deceits.any person who shall defraud or damage another by any other deceit not mentionedPenalty? why, kulong, of course!

CALL THE POLICE. its time to turn the table against scammers.see Office Visits here:

http://failuretopaycreditcard.blogspot.com/2010/08/office-visits.htmlPosted byBankerat3:23 AM111 comments:1. EJThursday, July 24, 2008 at 2:29:00 PM GMT+8Be it a reminder to all collectors and trespassers:

1. As per Philippine laws, pag kayo nabaril dahil nag-trespass kayo sa isang bahay, LIGTAS ang may-ari ng bahay sa demanda.

2. Pag kayo nag-occular o nagmanman secretly, discretely, or against the will of the owner of the house, you can be sued for INVASION TO PRIVACY and/or TRESPASSING. Even for taking a picture of a house without the permission of the owner, YOU ARE LIABLE.

3. Bakit kayo nago-occular? Without court order, DI RIN NAMAN NINYO MAKUKUHA ANG LAHAT NG MAKITA NYO SA OCCULAR! Huwag kayong magpakilalang SHERIFF kasi alam namin dito na ang SHERIFF representante yan ng KORTE at HINDI NG AGENCY NINYO na gusto ding kumita.

4. Nawalan kami ng SAPAT NA KITA kaya kami hindi nakabayad. At the time we used our credit cards, we found it manageable to pay our dues. Banker is right when he points out that an "immoral debt" is a different story.

5. DO NOT ACT as if you are the bank. We know that even if the banks have written off our debts, YOU WILL NOT STOP COLLECTING.

6. Your harsh collection practices are the reason WHY YOU ARE BEING IGNORED. If you only employed a more professional approach, WE WOULD CHOOSE TO TALK TO YOU.

7. TANUNGIN NYO MUNA SARILI NYO kung wala ba kayong mga utang BAGO NYO KAMI MURAHIN. Kasi kung pareho pala tayong may utang din, pag mumurahin nyo kami, WE WILL GLADLY RETURN THE FAVOR.

8. Lastly, WE DON'T INTEND TO RUN AWAY FROM OUR OBLIGATIONS. Pag meron na kaming maitabi PAGKATAPOS MAKAKAIN, sino bang di gusto magbayad? However, we would like to talk to the banks AND NOT YOU, COLLECTORS. Even the bank itself apologizes for your RUDE practices.ReplyReplies1. mirvinsjMonday, April 23, 2012 at 6:58:00 PM GMT+8Super Like!2. AnonymousFriday, August 10, 2012 at 7:37:00 PM GMT+8tama, barilin nyo yang mga pu.....na na yan pag nag pumilit pumasok, pag minura kayo murahin nyo rin ng 2 beses, o kaya puntahan mo sa opis nila at dun mo hamunin ng suntukan...tingnan lang natin kung lalabas ng opis nila yang mga yan.Reply2. theKOOKIEandtheIYAThursday, July 24, 2008 at 2:35:00 PM GMT+8hi banker!

Your site is very helpful.. I accidentally discovered it today while searching sa meaning ng CREDIT ESTAFA which a certain Mr. Charlie blah blah ang citibank threaten to file a case daw against me for missing my credit card due for merely two months..

Since it is my first credit card medyo kinabahan ako talaga.. he is asking for like 5,000 pesos to be settled daw within 1 day or else..

Theres no way i can scrimp up P5000 in just 5 hours he will be calling me before the bank closes kung nakapagsettle daw ako...

i guess after reading your whole blog i would just have to say wala talaga akong pambayad. At hihintayin ko nalang ang Credit Estafa ko whatever!!

Mabuhay ka Mr. Banker =)Reply3. BankerThursday, July 24, 2008 at 2:45:00 PM GMT+8ej,if you wish I can set aside a chapter exclusively for your thoughts. You write well!

theKOOKIEandtheIYA,there is no such thing as credit estafa in the law books. ^-^Reply4. ms. hopefulThursday, July 24, 2008 at 2:46:00 PM GMT+8you have said it right and complete, nawa maintidihan ni kolektor at ni anonymous.

wala kaming baril pero may aso kami dalawa at di pa nainjection ng anti rabies, naku wag silang pumunta sa bahay kasi baka kagatin sila, mahal pa naman ng gamot at injection.Reply5. theKOOKIEandtheIYAThursday, July 24, 2008 at 2:46:00 PM GMT+8Hi banker,

Hayyyyy Hulog ka ng langit..

I accidentally stumbled upon your blog while desperately searching for the meaning of CREDIT ESTAFA which a Charlie Blah-Blah from Citibank threatened to file against me for missing my credit card due for merely two months.

Medyo kinakabahan padin ako kasi 1st ever credit card ko eto. He is asking me to pay up like P5000 within the day. Sa isip ko lang it is impossible for me to scrimp P5000 in such short notice!

Sya na nga ba si dreaded COLLECTOR?? whew.. whammy kasi pag sya na nga ill have the time of my life mamaya habang kausap sya (nakakatakot kasi boses nya sa phone bwehe)

thanks ulet sayo banker at least nawala ang stress ko kakaisip ano nga bang magiging kaso ko..

Mabuhay ang blog na eto =)Reply6. BankerThursday, July 24, 2008 at 2:52:00 PM GMT+8theKOOKIEandtheIYA,your civil case would be for " Sum of Money"but dont worry. takutin ka lang becozThey wont; They dont ; They cantReply7. ms. hopefulThursday, July 24, 2008 at 2:56:00 PM GMT+8to ej again,can i post your comment to my blog,with proper acknowledgement.ok lang, galing kasi ng comment mo. i find it very helpfulReply8. theKOOKIEandtheIYAThursday, July 24, 2008 at 3:02:00 PM GMT+8wala bang credit estafa banker? ay, kaya pala walang lumalabas sa search ko sa google.. akala ko wrong spelling lang yung es-ta-fa ..

thanks ulet =)Reply9. miss praningThursday, July 24, 2008 at 5:27:00 PM GMT+8six cards,

idol tlaga kita hehe. nice comment, :)Reply10. EJThursday, July 24, 2008 at 6:46:00 PM GMT+8hi Sir Rene/banker,

It would be my utmost pleasure to see my thoughts as a chapter on your blog. thanks ever so much for the recognition. I think I still had a lot of comments on your previous posts, remember the threat of arrest na kamuntik ako mabangga while driving, ako po un (Six Cards).

Mejo magkakalaman na rin po siguro ung chapter natin. I'll e-mail you po(we've been talking dati) to confirm, so that at least you can solicit more comments from me, need be. Looking forward po! :)

To Ms. Hopeful, we've been communicating din yata sa e-mail. Yes, feel free to extract my comments and post it on your blog.

Mabuhay po! :)Reply11. EJThursday, July 24, 2008 at 6:58:00 PM GMT+8Guys, FYI, I found out about this when I visited a friend living close to my previous rented place (the first of my three houses).

i was told that "Citibank" was harrassing the new occupants of the house that I first rented - the address that I registered at Citibank. I did not renew the contract of that house, but apparently, the phone number, even if I've had it canceled at Citi when I was still in good standing, ginagamit pa rin ng agencies to harrass the the new occupants.

It so happened naman na pulis (Major) ang new occupant, together with his family. They were so disturbed by the harassment kasi minumura sila ng kolektor na nagpapakilalang Sheriff.

So the Major (he was so pissed din kasi MAY NAG-OCCULAR)threatened the agency na pag sila nagpakita pa sa bahay nya, uubusin nya sila at raratratin nila ng mga tao nya. Yes, he and his men did wait one whole morning, the day mentioned in the call. Pero walang dumating.

Aparrently, after the threat was given, these guys stopped.

Hay! :)Reply12. new daddyFriday, July 25, 2008 at 11:01:00 AM GMT+8boss ej..

patirahin na rin kaya namin sa bahay namin yan s major!..heheReply13. singlemomFriday, July 25, 2008 at 4:53:00 PM GMT+8I have the same experice with EJ. I moved out from the 1st house I've rented (actually, studio type na room lang un) for more than a year na. It so happened I was not able to change the billing address of my cards (fortunately or unfotunately?). Anyway, when I visited my previous landlady she said that there were some people who came to visit them and asked about me. My previous landlady told them that I've moved out already tapos kinuha nila name ng landlady ko or kung sino man ang makausap nila. Some of them (collectors or messengers) naman, just threw the letters at the gate bcoz they were informed already by my previous landlady that I am no longer staying there and they refuse to receive the letters.Nahiya naman ako sa previous landlady ko bcoz of this incidents.Baka pati cla maharass din.Banker, ano po ba mangyayari kung di nila ako mahagilap?Reply14. BankerFriday, July 25, 2008 at 4:56:00 PM GMT+8singlemom,

they will "move on" just like you.Reply15. AnonymousFriday, July 25, 2008 at 10:34:00 PM GMT+8Need everybody's advice:

Early this year, I entered into an agreement (via telephone) with a collection agency/law firm to settle my long-standing credit card dues.

Ang kaya ko lang po ay 1k per month at mukhang acceptable naman sa kanila dahil every month ay ina-acknowledge nila ang receipt ng aking deposito.

Last month, may sulat ang vice president ng credit card company, sinisingil ako sa bouncing checks na previously issued, na ngayo'y akin namang sinusubukang i-settle kahit paunti-unti.

Tapos, may ibang law firm na sumulat sa akin at ipinapasagot sa akin ang bouncing checks.

I reported this to my handler/account officer, who told me that I should disregard the bouncing checks-related demands altogether, since I am already in agreement with their agency/firm.

Besides daw ay 2004 pa ang mga checks na ito at ang dapat kong sundin ay ang aming current agreement.

Recently, my handler's agency/firm stopped communicating with me. Sabi eh automatically tinanggal na sa jurisdiction nila ang account ko at may iba pa akong standing loan sa same bank, which I really don't have.

Ayaw na rin akong kausapin nu'ng handler ko. The last time we talked, the handler made me think that there was going to be a case filed against me.

Ano po kaya ito, for the bouncing checks I issued a long time ago, but which I am trying to religiously replace through the current agreement?

Ano po ang dapat gawin dito, gusto ko pong ituloy na magbayad hanggang fully settled ako, pero sino ang tatanggap ng payments ko kung wala naman na ang aking account officer?

In case kasuhan ako, paano ko sasabihin na wala naman akong intention to defraud; in fact, regular na nga ang payments ko kahit mas maliit ito kaysa sa dine-demand sa akin?

Please help me, I am really confused. To be fair, ang galing nilang mag-torment ng mga tao.

Ano ba'ng action laban sa ganito na ginugulo ng kung sinu-sino ang standing agreement? Lalo pong naco-complicate ang situation.

Meron na po bang natulungan ang regulating bodies ng gobyerno tungkol dito, kung meron nga talagang regulating bodies ang gobyerno?

My immediate concern is to continue paying, so I won't be faulted for reneging on my obligation.

Please help me.

Thanks and bless us all.Reply16. sunburstFriday, July 25, 2008 at 11:53:00 PM GMT+8Hi sir banker!m so hapi tlg na npgwi ako sa blog nato.I myself also suffered the same fate with others.got 2 cc both from the former pcibank since 2o04.when "famine" hits us i called the bank n told them to just cut off n lang my cards then il just pay ung kaya ko lang.d cla payag kaya i stopped paying n lng since Aug.2006.ayun leftnryt dn calls n pnnkot sakin.Nplitan n lag tlg ako pay kc sobrang lumobo na int.Ung isa from 70t naging 136t agad n d ader one from 90t naging 160t agad.honestly lam mo banker kung san ako ntkot?dun sa SOA ng collection agency cum lawyers kuno kc from 136t naman from the bank naging 236t s knila n from 160t from the bank naging 260t s knila.Pay n lang dn po ako halos maloka ba naman ako kaiisip n bka makulong ako pano n lang mga kids ko.Again i started pying 5t each card startng April 2007.Nung nwala ang pci la na rin akong narrcv na SOA from the bank since then.pero pay pa rin po ako tg 1t mo. til last june kc cge pa rin po pdala ang arteche etc... sakin as well as calling tru r landlines n my cp.Until i saw ds blog of urs sir.Knina calln txt n nman po sila do i have to pay pa rin po ba khit ala nako SOA kc nga ala ng pci?Wat wud b the precise word para d na nila ako guluhin pa?help me pls sir...Reply17. sunburstFriday, July 25, 2008 at 11:57:00 PM GMT+8Hi sir banker!m so hapi tlg na npgwi ako sa blog nato.I myself also suffered the same fate with others.got 2 cc both from the former pcibank since 2o04.when "famine" hits us i called the bank n told them to just cut off n lang my cards then il just pay ung kaya ko lang.d cla payag kaya i stopped paying n lng since Aug.2006.ayun leftnryt dn calls n pnnkot sakin.Nplitan n lag tlg ako pay kc sobrang lumobo na int.Ung isa from 70t naging 136t agad n d ader one from 90t naging 160t agad.honestly lam mo banker kung san ako ntkot?dun sa SOA ng collection agency cum lawyers kuno kc from 136t naman from the bank naging 236t s knila n from 160t from the bank naging 260t s knila.Pay n lang dn po ako halos maloka ba naman ako kaiisip n bka makulong ako pano n lang mga kids ko.Again i started pying 5t each card startng April 2007.Nung nwala ang pci la na rin akong narrcv na SOA from the bank since then.pero pay pa rin po ako tg 1t mo. til last june kc cge pa rin po pdala ang arteche etc... sakin as well as calling tru r landlines n my cp.Until i saw ds blog of urs sir.Knina calln txt n nman po sila do i have to pay pa rin po ba khit ala nako SOA kc nga ala ng pci?Wat wud b the precise word para d na nila ako guluhin pa?help me pls sir...Reply18. BankerSaturday, July 26, 2008 at 7:50:00 AM GMT+8sunburst,say the magic words " Sue Me"

dont just rely on verbal arrangements. do it in writing.dont trust.Reply19. AnonymousSunday, July 27, 2008 at 8:02:00 PM GMT+8hi banker...its been 2 months or three nung last post ko...di na ko gaano nakakabasa ng blogs mo kc naputol na internet ko..hehejust this moring,,,me pumunta daw sa bahay ng mommy ko,,kc un permanent address ko saying he is from metrobank,,nag uupdate lang ng files ng clients...he is polite nad all,,kaya lang faurd pa din,,,binilin ko na kc sa mommy ko to ask for an official id,,,when did that nagcram daw,,didn't know what to say,, nagpakiklala joshua daw but doesn't have a surname,,, my mom is quite old so she told him to write his complete name if he doesn't have an id,,di na daw bale,,he just left a number to call ko daw..after reading ung bawal pumasok,,naenlighten po ako..what a relief,,desperado nga sila,,,kaya lang nakakhiya din kc baka kung ano ano ang pinagsasabi nun sa bahay,,eh medyo respetado po kami sa community,,lalo na mommy ko,,and another concern is may sakit sa puso mommy ko,,, is thre anthing i can say to them,,they are responsible for their actions,,baka may mangyari sa mama ko kakaharass nila... what do you think po...i am thinking to call them early bukas to point out to them that if they continue harassing my mom and somethign happens to her,,they will be liable... can i do that..tnx po

sori po,,i forgot my password,,kaya anonymus nalang po muna

trish po...Reply20. BankerMonday, July 28, 2008 at 5:23:00 AM GMT+8trish,calling them is pointless.just tell your mom not to worry.next time, call the police na lang.Reply21. mighty_miteWednesday, November 26, 2008 at 5:43:00 PM GMT+8Hello Sir Rene..I guess it was an answered prayers that I came upon your blog.

You see just a while ago, I received a text message na may nakafile na raw na civil case against me. But wala namang info kung sino nag send or san landline ako tatawag to verify (or beg?).

Prior to this, a collecting agency na just a block away from my house came and gave me an amnesty letter.Knowing masama rin naman po talaga di magbayad ng utang and to clear my conscience, I would like po sana to settle this matter in a manner na "win-win" situation kami pareho ng bank (i mean po, sa paraan na kaya ko lang mabayaran at the moment.)i entertained the two ladies sa house and i honestly told them my situation, im unemployed, blah, blah, blah..halos talagang magmakaawa ako na pumayag kahit 500.00 a month lang ang bayaran ko (my outstanding balance raw is 36,000.00 but when i received a bill again from the bank it was for only 26,000) bibigyan raw nila ako ng palugit they'll suggest to the bank to give me atleast a month to settle my credit limit of 15,000 nlang raw. But I begged for atleast 2 months para makahagilap ako ng said amount. It was saturday. Monday came and boy I was surprised, when their big boss wrote a letter that i have to settle the 15T in TWO days!! na praning po ako, naintindihan ba nila situation ko.I know my obligation, and Im willing to pay but hindi ganun kalaki. It was my hubby's suggestion to check sa business permit bureau kung registered nga sila, and i was surprised again na nagooperate pala itong collecting agency, without a business permit (was it legal for them or not? the bureau suggested that I file a complaint against the collecting agency but ayoko na ppo na gulo at sakit ng ulo). Im not sure if na visit na sila from the bureau of permits from the city hall, but i guess natakot rin sila kasi tinigilan na nila ako but then i guess pinasa naman nila sa iba ang info ko. So i have to stick again to the harassments of this Domingo & Molaer group. Hay, please pray for me, ayoko po ma-stress since I'm on my last trimester of pregnancy.

Thank you po, kasi you've came up with this blog..siguro my son in heaven guided me to you. God bless.

PS. and yes, I'm with you in sharing my blessings to underprivileged kids..til my next visit from this new group.Reply22. SiopaomanSunday, January 11, 2009 at 1:29:00 PM GMT+8Hi Banker and to all Blog followers.

1 lang ang card na problem ko as of now pero 80 thousand pesos na outstanding balance , So as a resulta. di na kayang bayaran. minimum amount lang parati. so hirap na. daig ko pa ang butas na alikansya.

nagpaparestructure ako kung ano ano sinasabi sa customer support. gusto payment in full. HELLO wala ngang pambayad eh.inuubos na nila sa interest.

More power to this Blog Salamat po and God Bless.Reply23. AnonymousTuesday, January 13, 2009 at 12:54:00 AM GMT+8Dear Mr Banker,

I received a text message from a CC Collector of Standardar Chartered bank.

Plaintiff (Standard Chartered Bank) vs Me. WARRANT OF SEIZURE has been released under Judge Oscar Aguilar of MakatiMTC br 72 for violating the article 315 of the revised penal code (ESTAFA) and RA 8484 (Defrauding of Creditors). YOU ARE ADVISE NOT TO REMOVE, DISPOSE, SELL OR TRANSFER your real and personal propeerties nor to withdraw your bank deposits or your salaries and wages. For immediate withdrawal of the case we are giving you 24 hrs to coordinate with Atty Percival Cendana at (02)4110100.

Is this legal warrant thru text?I received this text last Jan 7, 2009.Wal apa akong na receive na letter from them.

Meron akong utang sa standard chartered bank nung nagki pag usap ako sa kanila i'm asking for my balance showing the principal and then the interest for I haven't used my CC more than a year. Nag total na sya ng 30k plus.

Please advise me what to do. Short ako sa budget ngayun may karapatan ba silang i hold ang salary ko.

Please enlighten me.ReplyReplies1. ***CherzzzMonday, February 10, 2014 at 5:09:00 PM GMT+8may ganyan din ako case sa HSBC di ko pinansin tapos nagpadala pa letter same halos s txt nila di ko pa din pinansin kasi pinakita nila sakin ang legal n warrant..and hindi daw gnun ang nilalaman nun parang invitation daw s isang court at nkasealed un ng isang brown envelope n my snsabi a sila itsura ng sealed..and if u recive that dapat magpunta ka..pero sabi nila wala pa nmn gumagawa ng gnun as per MY HR Manager..Reply24. BankerTuesday, January 13, 2009 at 5:23:00 AM GMT+8a. A warrant of seizure is for unpaid taxes ;b. Branch 72 is in Malabon

ayan, maniwala ka pa sa kalokohan nila?

press 'delete' and enjoy the dayit wont come back anymore.Reply25. ms. hopefulTuesday, January 13, 2009 at 8:40:00 AM GMT+8to anonymous(Tuesday, January 13, 2009 12:54:00 AM PHT)

hi,we will appreciate it if you choose a name, to avoid confusion.

on your queries :1. Is this legal warrant thru text? No, there is no such thing as that. hehe.2. Please advise me what to do.Follow the golden rules authored by banker , here it is :Rule No. 1 If you cannot pay, dontRule No. 2 Prioritize your need ; not their greedRule No. 3 - Dont let them control your life. Its your lifeanywayRule No. 4 - Disregard.. .delete...DedmaRule No. 5 - Dare To Fight Back ; Dare Their Bluff

3. Short ako sa budget ngayun may karapatan ba silang i hold ang salary ko.

answer : wala silang karapatan no,unless you authorized them to.

go on with your life. worrying does not help you solve the problem.lastly don't forget to give us a name.Reply26. BluffalosoldierWednesday, January 14, 2009 at 12:24:00 PM GMT+8hi banker,

Been reading your posts for quite awhile. Like everyone else here, I have been receiving letters and 1/4 sheets from DMLO.I just got off the phone with them so I questioned them about the so called ocular inspection, and followed your instructions.(I'm not usually at home, just my dad which is unfamiliar on what to do). I politely and discreetly made him feel i know the rules (via ur guidelines).I discussed with him what I think I initially owe the bank and he admits to that. He claimed the outstanding bal he is asking me to pay off includes attorney's fee.He told me if I could make a deposit of 2000, they will waive the interests and just pay off what i really owe, and pay in increments. I'm not really comfortable about that because it happened before (with a diff collections agency and before knowing your blogs). I paid off 3,800.00 and it seemed it went up on air (with the continual interests and all). But I asked him to send me the notice of the proposal. He said he would and asked, "so are we settled on your deposit?" I belligerently said, "no, you would have to send me that first, have it reviewed and then I'll call you and tell you what I think about it."If he would really sent me that notice out, can I just email you with the details and advise me? From there, I am unsure what to do.DMLO is the worst. Everyone else has given up except for this one. And tough that they really are, I can't tell what else they can do to further rip me off.Reply27. AnonymousWednesday, January 14, 2009 at 3:32:00 PM GMT+8Dear Banker:

Good Afternoon, my problem is also regarding personal loan with citifinancial..are you familiar with this? i have a term for 2 years, but then by now i have a delayed for 3 months monthly due..pero by that every month meron akong payment kahit mga 1000 lang..bakit ngayun may letter sila na final demand na if i cannot pay..sheriff daw and kuha sila properties..what is this? ang monthly ko kasi is 3,086.00, but medyu nagipit...nag bibighay ako 1000...please advised...

snake.girlReply28. AnonymousWednesday, January 14, 2009 at 3:41:00 PM GMT+8hi banker;

are you familiar with citifinancial? hindi siya credit card but personal loans...paano po ito..can i also follow your advised same as cc.?Reply29. ms. hopefulWednesday, January 14, 2009 at 5:00:00 PM GMT+8hi anonymous and snakegirl,

am banker's volunteer staff,

loans with citifinancial is the same dealings with credit card debts, both are unsecured.

i suggest you just follow the golden rules in dealing with your fears and worries.

join us in yahoo group and forum.Reply30. AnonymousThursday, January 15, 2009 at 9:25:00 AM GMT+8hi Ms. Hopeful..

thanks for replying in behalf of banker...i am very curious about you, becuase i know we have the same situation..how can i join that yahoo? hehehe..please advised..

snake girlReply31. BluffalosoldierThursday, January 15, 2009 at 2:23:00 PM GMT+8Hi Banker,

so, i finally got the proposal from a certain Leandro Gonzales, a claimed Legal Officer of Domingo Molaer LO. The proposal says the usual, pay in increments. There were affixed signatures but from an acct supervisor, and a name over the tag, "for the firm" (when in question, Mr. Gonzales claimed that the name appeared thereon is their lawyer--the signature does not show any PRC# or something to identify as a legal lawyer). The letter did not come dry sealed nor notarized.I called the number stated in the letter, and looked for Mr Gonzales. He does not know one by the name and claimed baka sa ibang dept. He gave me another number to call, ganon din. i called back then I started probing, "anong company po ba ung tinatawagan ko?" "san po ba located to?" He said, ano ba sa tingin mo tinatawagan mo?" Sabi ko, "Sir, nagveverify lang naman po, wag kayong magalit. (hehehe). Then he quipped, "(mumbling) Domingo Molaer. me 500 employees dito, di ko kilala hinahanap mo." E di sabi ko, "500 po ba? Andami pala. (Wow, parang call center). E di sigurado me reception kayo o tel operator man lang?" As expected binagsakan ako ng phone.So finally nagsawa ako kakatawag, nag ring naman phone ko. Ayun, si Gonzales na. Me nagsabi daw kase sa kanya me naghahanap sa kanya. Usap ulit.I told him what I think is wrong (or right) about the letter. And as you have advised, ask for SOA. They're showing I owe 50k, reduced to 40k, 10k difference pa din. Sa kakahingi ko ng SOA, wala daw sila nun at di daw i iisue un ng bangko til the civil case (accdg to him RA 8484) is filed for security and confidentiality purposes. E ako na nga ang nagre request. At the end of it all, lumabas din sa bibig nya na 29k lang naman talaga nagamit ko. We can settle with that amount kung mabibigay ko by the end of the month. Musta naman?E mas madali ata ipunin un at bayadan ng buo kesa magbayad ng doble. un nga lang, nanggigipit sila sa time. Pero like he said, un ung due date nila sa bank, so most probably malilipat ng ibang collections agency at panibagong amnesty program ekek na naman un. And the letter states pa na it takes 1 month before they can issue you the certificate of full payment.Sorry po sa mahabang post, fresh pa kase ung paguusap namin kaya in full detail.So banker, di daw nila mai issue ung SOA. I've read this before but need to double check (ganon talaga pinoy, makulit, sorry na po!) should i do this in writing (req for SOA) and send to the bank (or the law firm?) via registered mail?Salamat po talaga.Reply32. BankerThursday, January 15, 2009 at 2:38:00 PM GMT+8If he cannot furnish you a statement of account, how does he know magkano utang mo? saan pala nakukuha yun?tell him to use his common sense.you are collecting yet "confidential" ang amount? heheheh...pretty sutipd.

next time, no more verbal tussles.just let them do it formally - thru letters - and you will do yours formally.Reply33. Nervous LadyThursday, January 15, 2009 at 3:59:00 PM GMT+8Hello Mr. Banker & Ms. Hopeful

Laking pasalamat ko po sa kaofficemate ko when she gave this blog to me. Nabasa ko po halos lahat ng mga experiences ng mga cc victims. Talagang pong nareleive po ako sa sobrang takot. In my case, everytime na may naghahanap sa akin thru phone or may nagpupuntang ca sa bahay at office, i instructed our lobby guard at mga tao sa bahay na sabihing wala ako o lumipat na ng bahay. Sinunod ko po ang magic workd na "SUE ME". Ang nangyayari po lilipat lang ng ibang CA, then office and house visit na naman ang bagong CA. Dasal ko lang matapos na ang pasa-pasa sa different CA. May intention naman po akong magbayad kaya lang talagang gipit na gipit pa rin ako. Sa tingin po ba ninyo mga ilang CA po ang dinadaanan ng isang cc account?Reply34. SophiaThursday, January 15, 2009 at 6:38:00 PM GMT+8Hi Banker,

Your site has always soothed my fears and paranoia. However, I came across this article regarding small claims court.

http://www.supremecourt.gov.ph/news/courtnews%20flash/2008/12/12050801.php

This is bad news for us right? They can actually make good on their threats of filing cases now that it's more convenient for them? I'm at my wit's end. I lost my job and am a single parent. I'm beginning to understand why people in similar cases are driven to suicide. I do hope to hear from you. Can't think clearly anymore.Reply35. BankerFriday, January 16, 2009 at 6:02:00 AM GMT+8no big deal.even if they file a thousand cases but wala kang pera/valuable properties, that's it.

try to visit our Diskarte forum :http://diskarteforum.niceboard.net/legal-notes-f14/primer-on-small-claims-courts-t40.htmReply36. ms. hopefulFriday, January 16, 2009 at 9:38:00 AM GMT+8hi nervous lady,

am glad that we are able to help and comfort you in our small way,

on your query "Sa tingin po ba ninyo mga ilang CA po ang dinadaanan ng isang cc account?"hehe, wag mo nang bilangin kung ilan pang CC, maski libong CA, wlang magawa kung wala kang pambayad. kaya go on with your life and apply the golden rules.

lastly join us in support group and in the forum.Reply37. ms. hopefulFriday, January 16, 2009 at 12:03:00 PM GMT+8hi snakegirl,ngayon ko lang nabasa comment mo,

if you want to join the yahoo group, just click the link found on the side of the blog, here is the link:http://finance.groups.yahoo.com/group/failuretopaycreditcard/Reply38. Nervous LadyFriday, January 16, 2009 at 2:05:00 PM GMT+8To Ms Hopeful

Thank you very much for the reply. Actually po isa-isa ko na pong sinesettle lahat ng cc ko without coordinating with ca, kaya lang yung iba pang cc di ko pa nababayaran yun ang mga makukulit na CA. Ms. Hopefull, bayad ko na po yung 1 cc ko sa bdo last sept. 2008 pa, up until now di ko pa rin narereceived ang certificate of full payment at meron pa ho silang charge na 100 pesos for processing. I made a lot of follow up for the certification. Sa ganito po bang case, pwede po bang magsumbong sa BSP o san kaya pwedeng agency magsumbong sa bagal nilang pag-issue ng certificationReply39. ms. hopefulFriday, January 16, 2009 at 3:53:00 PM GMT+8hi nervous lady,

magsumbong ka sa bsp at sa president ng bank.

am glad na nakakapag settle ka na.Reply40. Nervous ladySunday, January 18, 2009 at 4:01:00 PM GMT+8Ms. Hopefull

thank you again, i tried to email bdo thru their callcenter@bdo.com.ph, ito po ang binigay nilang email address, still no reply po. alam po ba ninyo ang email add and the name of the president of bdo?Reply41. AnonymousTuesday, January 20, 2009 at 5:36:00 AM GMT+8Hi Banker,

Your site is very informative. I also have problems with chinatrust loan. Nag loan ako nung June 2005 thru my company. Amount is 34k only. The amortization deducted to my payrol monthly is 656.71 only. When I received my payslip, I asked the chinatrust bakit ganun lang yung amount, nagtaka din yung mga nakakausap sa customer service kung bakit, pinapasa pasa lang ako sa ibang tao na di rin makasagot sa mga tanong ko. The deduction went thru until aug08 when I asked our hr to stop the deduction. Hindi rin nila alam bakit ganun lang yung amount kasi nagresign na yung nagprocess nung loan ko. Nag follow up ako sa chinatrust, napudpud na daliri ko kakatawag sa customer service (corporate division), i even emailed them kasi when i called di nila ako masagot, hindi raw nila maacces and data system nila kasi rebooked daw yung account ko. kung susumahin nasa 9k na lang dapat utang ko pero sa kanila as of today nasa 35k na! Halos monthly may nakakausap ako since nov08, babalikan daw ako asap after i explained the long story. Until june08 na tinarayan ko yung chinatrust customer service kasi tawag sila ng tawag sa office monthly, explain naman ako ng explain again and again. di naman nila ginagawa yung hinihinigi ko. willing na nga akong bayaran ng buo yung balance basta tanggal lahat ng interest, hayun, finorward nila yung account ko sa collection agency. kainis, ako na nga itong willing magbayad, ako pa napipirwisyo. wala na akong work ngayon, naninigil na naman yung bagong collection agency, ano gagawin ko banker? - evieReply42. ms. hopefulTuesday, January 20, 2009 at 8:52:00 AM GMT+8to nervous lady

please check our files in yahoo group. join us in yahoo group and in the forum

to evie,ignore them, move on with your life.

posting here banker's advisory, in case you missed reading it

ADVISORYI was advised to rest due to some medical problems. If you have specific queries not currently addressed by the blog, please go to YOUR Diskarte Support Group SitesYour SUPPORT GROUPhttp://diskarteforum.niceboard.net/http://finance.groups.yahoo.com/group/failuretopaycreditcardReply43. personalproblemTuesday, January 20, 2009 at 10:59:00 AM GMT+8good morning banker

sir knina may nag txt sa akin regarding sa citifinancial personal loan ko sbi i publish daw ang name ko sa leading newspapers for ESTAFA kasi nde pa nga ako nakakabayad kahit piso dun sa 60,000 n loan ko its been 1 year and 2 months n ako d nagbabayad ano po b pwde kong gawin salamat poReply44. personalproblem27Tuesday, January 20, 2009 at 11:07:00 AM GMT+8good morning sir banker,

kninang umaga po may nag txt sa akin na i publish daw name at picture ko sa mga major newspapers for estafa kasi d p nga ako nakaka bayad kahit piso dun sa personal loan ko sa citifinancial ano po pwde ko gawin 1 year and 2 months n nde ko nababayaran loan ko since from the start thanks po pero binigay ko naman un bago kong work address para d nila isipin na tinatakbuhan ko sila thanks poReply45. ms. hopefulTuesday, January 20, 2009 at 12:11:00 PM GMT+8hi personalproblem,ms hopeful here, volunteer staff of this blog.

please see advisory below:ADVISORYI was advised to rest due to some medical problems. If you have specific queries not currently addressed by the blog, please go to YOUR Diskarte Support Group SitesYour SUPPORT GROUPhttp://diskarteforum.niceboard.net/http://finance.groups.yahoo.com/group/failuretopaycreditcard/Reply46. AnonymousTuesday, January 20, 2009 at 4:27:00 PM GMT+8To personal problem

hi, matanung ko lang..may picture ka ba na naibigay sa citifinancial? we the same case kasi..pero ako naka pay ako for 10 months..ngayun meron payments kaso konti2x nlang...

snake girl..Reply47. ms. hopefulThursday, January 22, 2009 at 10:52:00 AM GMT+8hi snakegirl,

comment ko lang , di ko kasi matiis yung sinabi mong payment na konti2x lang, i was doing that before paying konti2x, financial marathon yun, napupunta lang sa interest yun, di nababawasan ang utang mo.Reply48. AnonymousTuesday, January 27, 2009 at 7:41:00 AM GMT+8Hi! I have an unpaid credit card bill from citibank. They are saying through text that Police will drop by to pick me up at home and they are filing a case of estafa. I have so many debts that came my way since I am the only one working for my family. my 5 kids all depends on me. I have evaded their calls because they call not just once everyday and it's kinda annoying but now I am scared because I don't want to go to jail for it. I close my light when I'm at home, I lower the volume of the tv so no one hears and even tells the kids to lie for me to tell anyone who's looking for me that I dont live there anymore... I owe them 33,000. I would pay if I have money but I don't..I really am so broke. What do I do...Please let me know.Reply49. BabesTuesday, January 27, 2009 at 4:34:00 PM GMT+8Hi to all,Lam mo pareho tayo, but after reading the blogs here and other sites by banker, narelieve talaga ako.Felt harrassed din ako, hindi makatulog. Pero ngayon wla na ko pakialam sa mga collector na yan, pagod nako.Reply50. ms. hopefulTuesday, January 27, 2009 at 7:04:00 PM GMT+8Hi Anonymous (Tuesday, January 27, 2009 7:41:00 AM PH)First, please choose a name, to avoid confusion

do not believe them, delete mo text nila.read the paranoia prescriptions by banker posted last may 2008. nandoon lahat ang dapat mo malaman at gawin.

go on with your life, utang lang yan, you are not a haunted criminal.

pray, it helps.

Trust GOD, HE is bigger than all our problems.HE is powerful than our creditors.Reply51. AnonymousThursday, January 29, 2009 at 7:42:00 PM GMT+8if i have an account with equitable bank, do the credit collectors can still made me pay for my unsettled accounts?Reply52. ms_pocket_problemMonday, February 2, 2009 at 1:55:00 AM GMT+8I am glad I found this site.. I can breathe now.. Gusto ko lang po sanang itanong itong mga nagpapagulo ng utak ko.

1. May nabasa ako somewhere na there are a certain period na usually iniistop na ng bank yung pagpatong ng interest at a certain time na masyado ng matagal. Totoo po ba yun?

2. Meron po bang mga debt legal counsel na parang papagitna between you and the bank? Gusto ko kc sanang makahanap ng paraan to negotiate para bumaba yung babayaran ko pero ayaw ko magpakita ng personal. I was hoping sana to find a credible counsel or lawyer na syempre hindi ako lolokohin. Pwede po ba yun?

3. Wala akong means to pay because I am just a housewife now and I have no means of income =(. Pero gusto ko po sanang magbayad kung kakayanin ko. Should I just wait for an amnesty from the bank baka mag-offer sila ng mas mababa or do I try for a negoatiation now kesa lalong tumagal? Wala na kcng communication for 4 yrs. Ntatakot ako baka milyones na yun.

4. Pwede bang relative ko ang magrequest for SOA in behalf of me?. Ayaw ko kcng magpakita, natatakot ako.

PLS help me naman. Standard Chartered po yung bangko ko.

Please...Reply53. ms. hopefulTuesday, February 3, 2009 at 9:32:00 AM GMT+8yes, i think your account is absorbed by BDO.Reply54. AnonymousTuesday, February 3, 2009 at 1:38:00 PM GMT+8here are some numbers scammers are using 09152329658 / 09194133639 ...Reply55. ms. hopefulTuesday, February 3, 2009 at 1:58:00 PM GMT+8ms_pocket_problemon your queries -1. May nabasa ako somewhere na there are a certain period na usually iniistop na ng bank yung pagpatong ng interest at a certain time na masyado ng matagal. Totoo po ba yun? Rarely that happens, mostly di interests chrges do not stop accumulating.

2. Meron po bang mga debt legal counsel na parang papagitna between you and the bank? Gusto ko kc sanang makahanap ng paraan to negotiate para bumaba yung babayaran ko pero ayaw ko magpakita ng personal. I was hoping sana to find a credible counsel or lawyer na syempre hindi ako lolokohin. Pwede po ba yun?possible na lokohin ka, gagastos ka pa? hirap ka na nga dadagdagan mo pa. pag may pera ka na , saka ka nalang makipag negotiate directly to the bank.

3. Wala akong means to pay because I am just a housewife now and I have no means of income =(. Pero gusto ko po sanang magbayad kung kakayanin ko. Should I just wait for an amnesty from the bank baka mag-offer sila ng mas mababa or do I try for a negoatiation now kesa lalong tumagal? Wala na kcng communication for 4 yrs. Ntatakot ako baka milyones na yun.

possible nga na milyones na yun.read further banker's post.

4. Pwede bang relative ko ang magrequest for SOA in behalf of me?. Ayaw ko kcng magpakita, natatakot ako.if you or your relative will contact them, you become a promising account and they will start intimidating u.

one of banker's quote in one of his post was, forget the debt not the lesson.

read and study his post last may 2008 on paranoia synopsis.Reply56. Gr8fulTuesday, February 3, 2009 at 4:34:00 PM GMT+8Greetings and hello to all posters.

I just wanted to share the ordeals that I went through that I appropriately call my "dark days".

To start, I can sympathize to those that are hiding from creditors/CAs because of financial setbacks that they are currently experiencing.

I was in deep financial s**t starting around 2000 to 2005. It started when I tried to go into a business venture with my wife that eventually failed. I also I did not know that I was living beyond my means, hence the problem snowballed. Patung patong credit card bills ko, i had outstanding loans that I took from a bank, my friends and other family members. In short, kaliwa't kanan ang mga naniningil sa akin ng walang tigil. To survive, our lifestyle took a dive and had to make do on a day to day basis.

But slowly I put my finances back on track. What had it going for me was that I was and still is employed. I had committed myself to rebuilding my personal and financial standing, I promised myself that I will not be remiss in any payments that is due and should be debt free by 2010. BUT I will not be paying those loans/bills that were accrued during those dark days, kumbaga GOING FORWARD, walang utang, kung may utang magbayad!

At present, I am now 37 years old, and:

1. My wife and I have an insurance policy in place,2. I have savings stashed, less than 100k lang, but better than having nothing.3. I try to save 10k every month. this is for future expenses eg. tuition, emergency.4. After savings we make do kung ano man ang matira sa salary ko.5. I have a postpaid cellphone plan, globe internet and other utilities. Every month paid in full.6. I got a secured/prepaid credit card with a limit of 11k that I use for paying those bills.7. My wife was given, repeat, given a BDO credit card (20k limit) w/o any CI done. Our theory is that she was able to maintain a savings account without going under 20k for the past 2 or 3 years. What's funny is that mas malaki pa credit limit niya versus my Unionbank. Hers is unsecured pa hehe. We use this only for groceries. My wife and I are very, very wary of our spending habits.8. I currently have a chinatrust salary loan since 2006 which will be fully paid in 2010 (na renew kasi).9. my three kids have a savings account of their own, which I don't 'make hiram' anymore.

Apologies muna sa lahat at baka medyo mayabang ang dating ng monologue ko. My point is that financial freedom can be achieved if you are committed and focused. I'm lucky that my wife and I had the same goal in mind. Nagtipid kami, naghirap at ilang beses napahiya. We did what we had to do to straighten our lives for our kids' future.

There IS light at the end of the tunnel, Corny man pero totoo, in my case anyway.

To make it clear, I am not yet out of the tunnel, tanaw ko pa lang. Again I am still not debt free and my savings is not yet three months worth of my salary (minimum daw accdg kay Mr. Colayco).

Ang problema ko na lang is that, I am in a position to pay back those "dark days" loans kahit installment lang, just so I can clear my name for Credit worthiness' sake. Is this wise? Should I do this or just forget it and invest/save na lang ung dapat na ibabayad ko? reason I'm asking is that my wife called and said na meron na namang bagong CA na nagbigay ng sulat kay misis threatening so sue, get our property, etc. blahblah. Wifey is medyo matatakutin so I said wag pansinin and I'm going to show her your blogsite the moment I get home. I already printed your BAWAL PUMASOK posts so she knows what to say when they come to our house again. Better get a pit bull just to be sure na rin hehe.

It would also have helped if there were personal bankruptcy laws here sa pinas. meron po ba mr. banker? It was an option I was willing to take back then kasi.

Cheers!

PS. I'm not the churchgoing type unlike my kids but I made it a point to thank HIM before 2008 ended. He had a hand in it so give credit where credit is due.Reply57. gfThursday, February 12, 2009 at 3:06:00 PM GMT+8thanks mr. banker. another question: okay lang bang ipagpatuloy ko ang 500 to 1k pesos payment ko monthly kahit ang demand ng citibank eh to pay in full un around 98k pesos plus na yata? tapos pinasa pa nila ngayon sa collection agency. i'm doing this kasi good intention naman ako na i want to pay them but just cant really afford the whole amount as of now na puro patong na rin. thanks again. - gfReply58. BankerThursday, February 12, 2009 at 3:14:00 PM GMT+8stop paying. SAYANG ang P500.00 napupunta lang yan sa collector and you are engaging in a never ending financial marathon. walang katapusan yan.

"to show intention to pay?" the bank does not think about you nor your utang.only the collectors.Reply59. Big. Bad. EJ.Tuesday, March 3, 2009 at 1:55:00 PM GMT+8Hi Tito Rene and Ms. Hopeful! It's been so long. And I'm sorry I lost touch. Several other concerns beset me and I have just been consistently throwing my demand letters straight to the trash. I do appreciate that my last comments were posted again on this 2009 entry, and that I am still remembered in this helpful blog. At any rate, I would want to revive my link with you guys because, still, I haven't really gotten out of my credit card debts and I owe my peace of mind (despite everything)to this blog. Tumatanggap pa rin ako ng demand letters, nire-receive ko pa nga ung iba, pero deadma na lang. Hehehe. I still do plan to pay all my debts off, though, when time comes that I have the money. I have transferred to a different default blog site but you will see the links to all my blogs which I still maintain from time to time. New posts are on my new default site, though. More power to you and yes, I am still willing to write for this blog, need be. God bless po and keep in touch! :)Reply60. BankerTuesday, March 3, 2009 at 2:15:00 PM GMT+8Big. Bad. EJ.

WB. we miss you.and yes,send me your article.Reply61. TimeYUPunishMeFriday, April 16, 2010 at 1:03:00 PM GMT+8If ever I'm the collector, I won't dare enter a bakurang may ganyan kalaking aso. LOL

Joking aside, that would be trespassing.Reply62. sugarplanterMonday, September 20, 2010 at 2:46:00 AM GMT+8just a thought. if you are out of a job, ask the collector if you can apply in their "law office/collection agency" as an agent also. In other word, tell them you want to be a collector like they are, how does one apply? they probably think they u wud be competition and never bother u again. hehe.Reply63. Pinay_bacolodThursday, November 4, 2010 at 5:45:00 PM GMT+8HI Ms hopeful

Have you already encountered this kind of problem? with regards to CC?

Thank youReply64. ms. hopefulSaturday, November 6, 2010 at 1:44:00 PM GMT+8pinay_bacolod

yes, was visited at home, why? do you still fear their visit?Reply65. BlueDragonTuesday, December 14, 2010 at 7:49:00 PM GMT+8Hi Banker and to All Readers,

Help me naman, eto ang number na nanghaharas sa akin. Tawagan ko daw sila kung hindi may pupunta na daw legal officer, buti nlang nabasa ko ang bawal pumasok. :D

Eto number nila, pwede ba help me na balikan sila.09275115782 or 7091449Reply66. AnonymousFriday, March 4, 2011 at 2:41:00 PM GMT+8i have 2 hsbc card and well, i haven't been able to pay them kasi talagang wala akong pera, wait ko sister ko pay niya kasi sya nman gumamit pero wala din sya pera. Enzi started calling me 2 weeks ago at talagang everyday yan tatawag at tatawag sila. I was supposed to settle the amount last March 2 kaso wala talaga, I am not running away from my obligations kaya nga gumagawa ako paraan para mabayarn sila. sa last text ko dun sa len tolentino, sabi ko magconsult ako ng lawyer tapos text back niya_"sige magconsult ka para makausap din ng lawyer namin. I have been having sleepless nights dahil dito kaya di ko na alam gagawin ko. banker, pls give some advice. thank you so much.Reply67. angelaFriday, March 4, 2011 at 2:45:00 PM GMT+8I am new to this and I really don't know how to post my comment. pls help me get thru. thank you. anonymous pinili ko kasi hindi ko talaga alam gawin_LOL!Reply68. BankerFriday, March 4, 2011 at 4:28:00 PM GMT+8angela,tell them this :" according to my lawyer, sa court na lang daw natin pag-usapan ito. ayaw mo na nyan?"

watch their reactions!:))Reply69. AnonymousSaturday, March 5, 2011 at 4:20:00 PM GMT+8gud pm po. nabasa ko po ung mga post d2 mdyo same po kz s problem ko. jen po name koproblema ko po ung ng issue ako ng pdc tpos ndi ko n po npondohan, personal check po un, 3yrs n po un. plan ko po mg apply ulit ng trabaho, kukuha po ako ng nbi clearance at passport, maapektuhan po b un? mkikita po b yon? tnx po need ko lng po ng advice salamat po ulitReply70. BankerSaturday, March 5, 2011 at 5:44:00 PM GMT+8jen,ayusin mo pag tinawag ka sa court.enter into a compromise agreementReply71. AnonymousThursday, March 10, 2011 at 11:33:00 PM GMT+8Hi Banker,I'm christine, Need your advise about sa Citibank savings loan ko, hindi nako nakapag bayad due to tight budget, i signed the contract with aggreement about court etc.. I'm willing to pay my dues but the problem is sobrang laki ng interest nila then they want me to settle in full payment which is hindi ko kakayanin, ano pwede ko gawin, please help.. thanksReply72. AnonymousSaturday, March 12, 2011 at 4:52:00 AM GMT+8hi banker my father is an ofw.. never ko po nakitang gumamit ng cc ang father ko and isang araw nalang po meron ng naniningil samin bank daw po sa ibang bansa and meron daw po utang ang papa po.. ngulat nalang po kami sobrang laki umabot daw po ng hundred thousand because o the big interest at hangang ngauyon hindi parin po matapos2, actually sa sobrang takot po namin ng mama at lola ko hinulugan po namin kasi po lagi po nila kami tinatawagan at meron din po pumupunta dito at sanasabing pag hindi daw po kami nag bayad mkukulong daw po ang father ko at papabalikin ult dito sa pinas.. we are so worrid po... at pinipilit nila kami magbayad.. kung tutuusin po bayad n kami eh ang laki2 ng interest nila sobra.. nakakaiyak na at ang hihirap kausap ng mga ibang lahi dapat daw po bayaran namin yun kung ayaw daw po namin makulong ang father ko.. ano po ba dapt namin gawin?? at eto pa po ang nakakaiyak nung nkabayad po kmi halos 50k na po biglang nagiba sila ng place nilipat nla and nung nagpunta kami dun sa bago nilang ofice at pinakita po namin yung resibo na katunayan nag hulog kami hindi po nila un kinonsider.. bali wala daw po ksi almost a year daw po kami hindi ult nakapag bigay.. nakakasawa na po kasi yun madalas meron nagpupunta dito at nananakot. kaya lang naman ngheram ng pera po father ko eh kapit po kami sa patalim nung time n yun kasi po nagsara po ang trabaho ng father ko at wala syang madadalang pera nung tume na yun.. ano po ba dapat namin gawin?Reply73. bradWednesday, July 13, 2011 at 1:34:00 PM GMT+8may mga na-recieve ako letter from collectors at binibigayan ako deadline to pay my utang sa hsbcpag hindi ako nakabayad on that day kakasuhan ako ng RA 8484 eh fraud yun at ako naman ang cc user st billing add ko yun pa din sabi ko naman sa kanila tapos personal properties ko kukunin nila eh tv lang at ref. pwede ba sila manguha ng kagamitan ko personal? eh wala nga ako kotse at sariling bahay, sa nanay na bahay ko kasi naka-billing address. 6months to 10 years pa daw ako pag nakulong?Reply74. BankerWednesday, July 13, 2011 at 3:20:00 PM GMT+8brad,type mo "RA 8484" doon sa Search Box--------->Reply75. Kei HimekawaFriday, October 28, 2011 at 3:12:00 PM GMT+8Hi Banker!

I'm doing a thorough read of your blog and posts and I also approached a friend to ask of what to do if may mangungulit na CA. She told me to tell my parents and work place na wala ako and/or I quit from the company and/or I transferred to another home. In short, taguan and hide from them. Instead of "avoiding" calls, it'll be like "hide" from calls.

What I wanna do is accept their calls and face them. It shows na hindi ako takot sa kanila and I know my rights. Tama ba yung plan ko na gawin? Instead of hiding, I'll face them up front? Or it's better na sundin yung suggestion ng friend ko?Reply76. BankerFriday, October 28, 2011 at 3:41:00 PM GMT+8kei,http://failuretopaycreditcard.blogspot.com/2010/09/calls.htmlReply77. good payer turned defaulterFriday, November 11, 2011 at 6:49:00 PM GMT+8This afternoon a girl from "EASTWEST BANK" told me na pag di daw ako nakapag settle sa monday ng unpaid balance ko mag o occular/field inspection na daw sila.. d na ako natatakot... They can do whatever they want... Wla naman akong property na pwede nilang kunin saken tsaka lagi naman akong wla sa bahay... kung sa opisina pa makikita nila ako... Hehehe! Thank you po talaga sa mga nag-share tungkol sa mga di na makabayad na cc holders tulad ko...Reply78. Gerrard RosalesMonday, November 14, 2011 at 5:27:00 PM GMT+8i've been reading the posts here for quite a long time, but i signed up just now. i think i can help share my experiences and how i handled it. sa ngayon, solve na problem ko. thanks to banker and the rest who are really active in replying queries in this site. God bless us all.Reply79. stupidThursday, December 29, 2011 at 10:17:00 AM GMT+8Hi,

Firstly, thanks for this very informative blog site.

I want to share my experience 3 years ago when an unexpected collector (with their "CI") came to our house. Since I didn't know about this "trespass to dwelling" law, I left with no choice but to entertain them. After telling them my incapacity to pay, and when we were about to close our conversation, the collector handed me a piece of a 1/4 sheet of paper (with blank fields in it) for me to sign to recognize their visit and our face-to-face talk. And, because of so much tense and nervousness, I lost my senses for a while and signed above my name WITHOUT even reading what was in that paper. Only when they left that I realized my stupidity. (A lesson learned, I know.)

The good news is, I have not been bothered and/or harassed by the CA for about 3 years now since my stay here abroad. Although there are still letters sent to our house, which are unopened and unconfirmed if received.

My concerns:1) What possible strategy they could use from that signed piece of paper against me?2) If I remember exactly, I used a different signature (my married signature) not the signature I used in my cc application form or any of my cc documents. Do you think such signature is valid for whatever purpose it may serve them against me?

I'm worried now because I will go back to the Phils. very soon, although I will not be seen at the same address anymore, but the messenger can still drop the letters at my old address.

Please enlighten me.

Thank you and I wish you all a happy holiday season!Reply80. BankerThursday, December 29, 2011 at 11:14:00 AM GMT+8stupid,forget it.they can send all the letters they want.welcome back to Pinasand change your name to stupid-no-more:DReply81. stupid-no-moreThursday, December 29, 2011 at 8:47:00 PM GMT+8Thanks, Banker.

Here I go with a changed name :-D

Okay, I can forget it and I can let them send all the letters they want. What if one of the unopened letters is a Summon? What's my option now?Reply82. BankerFriday, December 30, 2011 at 5:12:00 AM GMT+8stupid-no-more,collectors filing a case?they wont; they dont; they cant.IF, IF......http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.htmlReply83. AnonymousWednesday, June 6, 2012 at 2:01:00 PM GMT+8Thank you so much ms. hopeful and Sir Banker...

punta ako sa barangay namin bukas and sasabihin ko at ipapaliwanag ang mga maling ginagawa nila plus ang mga tao pa sa barangay namin ang nagkakalat ng tsismis na estafador daw ako. sila kaya kasuhan ko sobra sila... dagdag pa sila sa stress =(

worriedlizzyReply84. BankerWednesday, June 6, 2012 at 3:31:00 PM GMT+8dont explain.just try to inform them:- they are being used by collectors to do the collection for them!- it's not their duty ( Supreme Court Cir. 14-93)- it's up to them kung papagamit pa sila.:)Reply85. AnonymousWednesday, July 18, 2012 at 5:00:00 PM GMT+8hi,buti na lang nakita ko tong site nyo. hay,savior talaga! here's my situation, I had a cc from RCBC. hindi ko na po nabayaran since last december. ngaun starting february may kumokontak sakin na collections agency,kesyo law firm daw sila at idedemanda nila ako. i changed my phone number so stop na din ang communication.kaso last tuesday sabi ng tita ko may mga pumunta daw sa bahay namin (nakikitira ako dati sa tita ko at yun ang address na dineclare ko sa rcbc) na mga ocular inspectors.may binigay daw na letter at sabi i have until this friday take care of my debt. 15k ang utang ko. sabi pag hindi daw ako nagbayad kakasuhan ako "under the new law", naisip ko lang, my bagong batas ba about cc collections??? may iniwan silang contact nos. and im seriously thinking about calling them back pra makapag-settle kasi nahihiya ako sa tita ko,sya ang nahaharass. sya lang kasi ang naiiwan sa bahay kaya sya lagi ang nkkausap.tapos maghahatak daw sila ang gamit, e hindi ko naman gamit yun,sa tita ko yun,baka mahatak nila.kawawa naman ang tita ko. yung mga dineclare ko kasi na gamit nasa bagong apartment ko ngayon. natatakot pa ang tita ko baka daw kasuhan ako. gusto ko din naman sana iclear na ang utang ko.kaya lang gusto ko sana sa bangko mismo magbayad at hindi sa collection agency.pwede po ba yun? makakapag settle pa din po ba ako sa bangko kahit na-write off na ang cc acount ko? ano po ang dapat gawin ng tita ko kapag may pumunta ulit at maghatak ng gamit sa bahay? salamat po.

- barbieReply86. barbieWednesday, July 18, 2012 at 5:13:00 PM GMT+8hi,ako po yung nagpost ng comment previously about cc sa rcbc.ngayon ko lang nahanap kung pano mag join.hehe. sana matulungan nyo ako sa problema ko.thanks ulitReply87. Keihimekawa01Thursday, July 19, 2012 at 8:52:00 AM GMT+8Hi Barbie.

First of all, medyo iwas tayo comment using "Anonymous" kasi commonly di sha napapansin ng members and ni Banker :D

With regards to your problem, una mong gawin is sabihan mo mga tao sa bahay niyo ng issue mo about your cards. Kelangan aware sila na may mga CA talaga na bongga mang-harass. Ano yung "Under the Law"? Ayus ah... As for your question na mangunguha sila ng gamit, as long as walang proof na nakapangalan sa iyo yung property or items, wala silang "K" na kunin yun. Since you're living with your tita, mas lalo silang walang karapatan kasi di sila pwede manlimas ng gamit UNLESS sa iyo nakapangalan yun (which is something na mahihirapan sila i-prove). Can you imagine? 15k DAW utang mo then ano kukunin nila sa house? Electric Fan? And may mga proseso pang dadaanan before nila magagawa yun.

Sabihin mo sa tita mo, wag sila papasukin and if nambastos sila or namilit, pakuha mo name, company and other details then sabihin mo, sila kakasuhan for trespassing. Better, kunan sila ng picture para matakot mga mokong. Commonly naman kasi if may mga nagpupupunta na CA sa bahay or office, magaabot lang yan ng papel then sasabihin to call whoever there is to call then pagtumawag ka, same spiel and paikot-ikot na conversation. Kakapagod lang. Then sabihan mo rin tita mo and mga tao sa bahay na wag ibibigay new address mo. Hayaan mo sila maghanap. Dun naman sila magaling. Mag-"research". Hehehe-

Law firm ba kamo? Meron bang mga attorneys or law firm people na uubos ng oras na mangolekta ng pera sa defaulters KUNG meron silang ibang mas mahalagang kasong hinahawakan? Collection agents lang yan. Ginagamit lang law firm para matakot and mansindak.

Good luck sa yo. Keep on reading to learn more diskarte. Wag ka basta-basta matakot. Marami kami nadaan diyan. Basta stand on your ground. May mga CA na wagas mambastos and manakot.ReplyReplies1. BankerThursday, July 19, 2012 at 10:12:00 AM GMT+8It's not that we dont want to answer.BUT just imagine if everybody posts as "anonymous"with DIFFERENT queries:

Anonymous: makukulong ba ako?Anonymous: So,dedma ko lang?Anomymous :What will I do?

My Answer: Y E S!

"wahh... makukulong daw ako!"lol!Reply88. barbieThursday, July 19, 2012 at 8:02:00 PM GMT+8hi,thank you sa reply Banker and Keihimekawa01. tomorrow na yung due date na binigay nila sakin, i'll wait kung ano ang gagawin nila. kinausap ko na din ang tita ko na wag na silang kakausapin. natetensyon ang tita ko sa kanila. sana tigilan na nila ako. :)Reply89. Teacher JoyTuesday, July 24, 2012 at 4:39:00 PM GMT+8Good pm Banker,May tumatawag po sakin for the past month from Anovuevo.. okay naman makipagusap, kaya pinilit kong magbayad nung nagpagkasunduan naming payment. Kaso kanina, naging clear sakin na ung nauna ko palang binayad ay nabalewala na dahil lampas na daw ng 1 buwan kaya nareset at balik sa 'amnesty' na bingay daw ng banko. Na high-blood ako sa narinig ko, na ung pinaghirapan kong ibayad sa kanila ang nawala parang bula.Ano po ba ang pwede kong gawin, pwede ko po ba tawagn ang banko para ibalik sa knila ang billing sa card ko?Totoo po ba na walang saysay ung naibayad ko na last month?Thank you po at aasahan ko po ang reply ninyo.More power at salamat sa pagtulong sa mga tulad ko.Reply90. AnonymousThursday, August 16, 2012 at 9:30:00 PM GMT+8Hello Banker,

Your site is very helpful! I would like to ask if a personal loan is the same as Credit Card debt? Thanks!Reply91. AykentteykitenimorFriday, August 17, 2012 at 7:07:00 PM GMT+8mag ingat sa mga scam...please read this, muntik na ako mabiktima...http://theequalizerpost.wordpress.com/2009/12/11/warningcredit-card-scam-in-the-philippines/Reply92. AykentteykitenimorFriday, August 17, 2012 at 7:08:00 PM GMT+8Check this out....maraming scam sa credit cards...http://theequalizerpost.wordpress.com/2009/12/11/warningcredit-card-scam-in-the-philippines/Reply93. 6lennonFriday, August 24, 2012 at 12:21:00 AM GMT+8Hi banker ngtext na sila (Cases law office) pupunta daw sa bahay o sa office bukas ng 10am ano gagawn ko? pls help :(ReplyReplies1. Kei HimekawaFriday, August 24, 2012 at 8:36:00 AM GMT+8Malamang sa malamang, walang magpapakita diyan. The same thing happened to me quite a lot of times na rin. Lagi nila sinasabi punta kami ng ganitong time then wala naman pumupunta. If ever may pumunta, they'll just give you a sheet of paper then papapirmahin ka that you received the letter then mangungulit ulit kung when ka magbabayad. kung wala ka maipakita, then uuwi rin silang walang cash.

Pwede mo sila harapin then use the diskarte you learn here or pwede mo rin ipasabi sa tao sa inyo na wala ka. HeheReply94. AnonymousFriday, August 24, 2012 at 12:23:00 AM GMT+8Hi Banker,Nag text na sila (Cases Law office) pupunta daw sila d2 sa bahay or Office for personal visit with coordination ng barangay, ano gagawin ko? please help :(ReplyReplies1. dragon76Friday, August 24, 2012 at 6:10:00 PM GMT+8the answer is already in this thread. may hinde ka ba maintindihan?Reply95. AnonymousThursday, September 27, 2012 at 9:12:00 PM GMT+8Pls help. may utang ako sa BDO 200k hiwalay ako sa asawa at walang work dahil kapapanganak ko palang. nahaharrass na ako sa collection agents. is it ok kung hindi ko sagutin mga calls nila? natatakot na ako plus may dumadating sa akin na billing SOA ng bdo american express card eh wala nman ako CC na ganun :( sino na naka experience ng ganun? thanks. -AshleyReply96. Yuen AntonioThursday, February 21, 2013 at 10:17:00 PM GMT+8dear banker

help naman po please kasi yung hsbc hinihingian ko po ng SOA pero ang sabi po nila sakin hindi daw po sila authorized na kumuha ng SOA ako daw po na card holder and dapat mag request sa hsbc nun..and pinipilit po nila ako mag bayad ng 5k til 24 hours..and sabi nila pupunta daw po sila sa office namin to talk about the matter and have a black and white discussion...help po banker evryone..need your suggestion what im going to do if pumunta na sila sa office namin...Reply97. KeiFriday, February 22, 2013 at 7:06:00 AM GMT+8Nasabihan na rin ako niyan before and wala naman pumunta dito sa office or sa bahay namin but if ever pumunta sila sa place niyo, pustahan tayo.. Magaabot lang yan ng papel na may note, tatawag yung messenger sa CA mo tapos kulitan blues ulit.

You have the choice naman to face them or not.

Isipin mo.. Since they are endorsed ng bank, di ba dapat mas mabilis if sila na ang kukuha ng SOA from the bank? Bakit sinasabi nila na ikaw na lang? And if ever ikaw manghingi sa bank, baka matagalan ka rin before makakuha kasi it would take them some time to find, process and compute yung mga billed amounts mo and interests incurred.Reply98. Yuen AntonioSunday, February 24, 2013 at 11:48:00 PM GMT+8kaya sabi nila, kung ma poprovide ba naming yang soa mo makakabayad ka ng buo..tas sabi ko alanganin kasi kulang ang kinikita ko.tapos sabi ba naman yun naman pala ang dami mong ka ek-ekan..mag fifile nalng kmi ng demand letter sau..then bagsak ng phone..tas nag fax sa office ng demand letter ra 8484 daw..alam ko naman ra 8484 is for using the fake card,ang inaalala ko lang mga susunod nA GAgawin nilang pang haharass.baka yun ang dahilan baka matanggl ako sa work ko.kasi ang company namin ayaw sa gulo...hayyyy..buhay nga naman..sana ma help nyo ko guyzz...thanks advanceReplyReplies1. KeiMonday, February 25, 2013 at 10:30:00 AM GMT+8Marami pa yan. Panindigan mo lang mga natutunan mo dito. Ganyan naman lagi mga styles nila eh. Yan ba yung way nila to "help" defaulters? Kung yan lang way nila to help us, then, I don't need their help :P Dagdag stress lang sila sa buhay ko. Lolz!!!Reply99. mark arrebowlesMonday, April 1, 2013 at 7:56:00 PM GMT+8hi banker.im mark1: kapag inavail ko ang arrangement plan ng bank, totoo ba na magpapadala sila ng certificate of clearance?2. kapag natapos ko na yung aggrement ko sa ca. tapos na ba talaga ung utang ko sa cc?. kasi ang lalabas lang daw sa soa ko ay yung payment na ginawa ko..iba daw lalabas na outstanding..disregard ko na lang daw...sa contract daw ako sumunod(kaduda duda???)3. 2 cards ko na default,,ung isa tama birthdate yung isa mali....matatrace ba nila yun? makakasuhan ba ako pag na-found out na mali...4. is there way na sa bank ako mismo makipagdeal at hindi sa collection?how.5. nag-avail ako ng online soa para convenient, mahihinto ba pagpagdala nila sa email address ko ng soa kung ndi na ko nakakabayad?.sabi kc sa terms and condition pg may remaining pa rin, tuloy pa siya...kailan po ba natatapos magpadala ng soa...

last, kailan nagsisimula at natatapos ang statute of limitations...

salamat po ng marami bankerReply100. BATang VIAHEROTuesday, September 10, 2013 at 11:56:00 AM GMT+8Hi Banker....

this morning CJM strategic management called me to settle my cc obligations in hsbc...nagulat nga po ako at bakit nila nalaman ung bago kong company...anyway...ung agent po eh nag offer sa aking ng at least 75% discount sa utang ko and me pinadalang agreement regarding sa babayaran ko and from 190K to 7K na lang daw para ma close ung account ko...

if i signed the agreement po ba eh makakakuha ako ng certificate of full payment and totally closed na ung utang ko sa kanila....

need your advice po....thanksReply101. Tina GrucoThursday, May 29, 2014 at 2:31:00 PM GMT+8This comment has been removed by the author.Reply102. BankerTuesday, September 2, 2014 at 1:21:00 PM GMT+8Since comments are getting longer, I would suggest you post your query/ies on the first page of the blogReply103. ZoomWednesday, November 5, 2014 at 10:19:00 PM GMT+8Hi Banker,

Ask ko lang si BPI nag file na ng case, and nag attend na din ako ng several hearings, and palagay ko tama nga sinabi ninyo na since wala din naman ako pambabayad, wag ko na ko attend sa hearing, and nag submit na din ako ng proposal sa kanila and ayaw naman nila, nag double na kasi yung amount, kaya lalong hindi ko na kaya bayaran, ang question ko lang po is if ever mag karoon na ng decision ang Judge, and gaya ng nasabi niyo po before, ang ending is " you must pay" , may right ba i freeze yung natitira namin money sa other bank? Maraming salamat po Banker.