These people are in debt problems and dealing with you guys further buries them deeper. When in fact I had this card when I’m still single. To protect consumers, the Fair Debt Collection Practices Act (FDCPA) has strict guidelines about what debt collectors can and cannot do when attempting to collect a debt from you. @ crying lady, i feel that i was overcharged for the ‘re-structured’ loan. I want to settle it sana in full but for a lower outstanding amt. pano po ung nakalipas na taon na di nila ako nacocontact makakasuhan ba nila ako dun? For sure magbibigay sayo ng discounted amount ang Bank if you will directly pay to them. Hi, i know my directions already. Ikaw din lang ang liable sa HSBC . he would leave badwords and threats in my voicemailbox. In our case (officemates) credit cards simply arrive in the office with a note saying “treat this as cash”…of course, who can resist such a ploy given our minimal monthly income? Prohibited Acts. me ganun bang amnesty. I reported that Anonuevo Credit and Collection service to the bank and they assisted me. This is not the end yet. pls be informed for your voluntary surrender to avoid commotion at yourplace. (a) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, whichever is greater and imprisonment for not less than six (6) years and not more than ten (10) years, in the case of an offense under Sec. I issued some cheques and that was 2009. Please po paki email naman po ako sa jon_cordovajr@yahoo.com. First, in July 2013, the Bureau began accepting debt collection complaints. can they use art. I just immediately agree with the amount, ang tagal kasi ng process nila,ngbabayad at nagbabayad pa rin kasi ako ng amortization kaka-antay ng claim ko. Ed nabus is a fake. Do not rely SOLELY on his inputs, please research more if you have debt problems, DO NOT give him any personal information in case you personally contacted him by email. ms worried, GOOD DAY to all! salamat po .. . God bless. Sa mga nababasa ko..it seems the better option nating mga delinquent cardholders is to make it reach to a collection agency rather than dealing with the bank kasi, kahit mag pay tayo thru installment, malaki pa rin yung interest that will accumulate after years of paying. Wala po ako nareceive na anumang sulat nun nakaraang 2 taon at inakala kong baka tapos na ang isyung ito dahil halos bayad na po naman ako sa utang ko. Hi CRYING LADY, Una sa lahat ang pasasalamat sa Diyos GLORY TO HIM! Hi po sa lahat. From 114,000 Php ung principal nlng daw ang bayaran ko which is 36,000 Php but they want me to pay it immediately pero I have no capacity to pay it now. ngayong year lang po ako medyo naka luwag so I contacted the collection agency na “may hawak” daw ng case ko sa chinatrust. all of my brothers and myself are not staying with her anymore. Hi Sir, good day. Kas0 ung pangako p0 nung kaibigan k0 n nkahram dn sakin ng pera ay huhulugan nalang ak0 pumayag naman p0 ak0 para mkapaghul0g dn ak0 s pngkakautangan ko. Sakin nga naka-mailing address eh, hindi sa uncle ko. I requested na mag pay labg ako to what i can afford since i am unemployed but they are demanding me 2,800+. THIRTEENTH CONGRESS OF THE REPUBLIC) OF THE PHILIPPINES First Regular they even issued me a platinum card. Sabi dadalhin na raw nila sa korte ang issue at dadagdag sa babayaran ko ang attorneys fee. @sir ed… they said paag tumawag ako directly sa bank 283k plus daw ang bbyaran ko… kaya mas maganda n aucin ko. the collections sent a letter that i will further actions will be done pag hindi ako nakipag cooperate. Thanks. pa- advice nmn po aq qng anu magandang gawin. thanks..please help. Medyo na-surprise lang ako dahil all this time alam ko is na-settle ko na lahat and was surprised on how they able to trace my office no. I am really very worried kasi nung mga 8 years ago, I issued some checks that bounced. May utang po ako sa chinatrust na 27k since last 2007 nakakapag bayad pa po ako initially pero nawalan na po ako ng work and has been hospitalized now and then. if not, ano kaya mga pwede mangyari.. pls help me.. medyo paranoid na ko.. salamat.. hi fritz! No one can also take any of your personal belonging/properties unless it is a court order. HSBC personnel has been very kind. You have to pay po yung monthly amortization till makuha mo yung claim mo. ang alam ko (lang ha) there’s no criminal case filed sa mga ganitong debts be it sa loan or sa cc’s diba dapat civil case bp22 siya? This letter is being sent to you in response to a demand letter sent to me on 02 August 2005 that your claim is disputed and validation is requested. http://failuretopaycreditcard.blogspot.com/2010/08/office-visits.html. and finally, be in jail, not because of my debt, but because of misleading them? 3rd party agency, is it still better to go directly to the bank i owed instead of the agency? Hi Ms Concern, thank you for all the info you shared to all credit card holders who suffered and experience rudeness from collectors of some collection agencies like what had happen to me last october 2009 when a cpllector from a certain collection ageny called me he was very rude and saying bad words which I think he was not eating for some days because of his eagerness to collect from me.during our convrsation I told him that I don’t have that some of money he is collecting me from my EASWEST credit card when in fact my obligation is only 20,000 and I had already paid more than 15,000 thousand for my installment. Thank you for this informative article and exchange of suggestions. Ask ko lang po sana kung pwede ako magdemand ng Official Receipt sa lending company na hiniraman ko ng 30k loan.. every month kasi nagdedeposit ako ng cash sa bdo account nila.. Hi Mam Janet, Fitz Salamat Malaking Tulong itong webpage mo.My mom just passed away after two months battling with lung cancer.The expenses at the hospital and the funeral left us in debt.Now I’m being hounded by http://www.cibi.net.ph/home.asp# for my credit card bill.I would have wanted to explain my side, but the lady collector was so rude,I didnt bother.When I asked her not to call until she was in a better mood,she rang again and yelled “magnanakaw!”(thief! ANG PROBLENA PO, WALA PONG CALLER ID ANG PHONE NAMIN, DI NAMIN MAIRECORD MGA CNASABI NYA..HELP PO,SALAMAT. and ayun na! gusto ko na matapos lahat ito kasi ang hirap sa loob sobra. Of course, I am careful on what I’m posting, Did I said anything misleading like you did, Mr Collector? What should I do? Salamat po. Article 315- breach of contract may roon po akong tanong my utang po ako na 40k sa isang lending last 2006 kaya lng hindi natuloy ang pag alis ko dahil wala pala akong visa di innisyuhan ng embassy kc kulang ako ng requirements kaya ipinagkatiwala ko ang pera sa isang empyeyado ng isang agency na nagpapaalis na isa kung kapitahay din ;at hindi mag issue ng pera ang lending hangat walang visa pero finake ng agency para daw makauha ako ng pang loan;pinagkatiwala ko ang pera na xa alanng magsauli pero hindi nya sinauli at ginastos nya ;hindi din nya ako binyaran para mabayara ko ung lending;sinisingil ako ng lending wala akong pambayad at di ko naman nagamit ang pera ao ang gagawin ko po andami kong demand letter. Ok po at least isang explanation lang gagawin mo para submit sa Fiscal.Punta na po kayo doon asap kahit walang patawag para po masagot nyo ang complain sainyo . Gets nothing. Collector) It is not the certification of full payment from Collection Agency is the required by the Credit Bureau to clear you blacklisting. dahil ang buhay ng isang OFW ay mahirap at nagtitiis lang. thru their local bank dito? me sinabi pang Article 315 and 318. Is this something legal??? It happened that past 2 months, I haven’t paid them, since I don’t know how much to pay. thanks po pala sa blogsite mo na eto.. napakalaking tulong po eto para sa tulad namin na kokonte lang ang alam sa batas.. sana every university/colleges or khit sa highschool meron phil.consti.. , hi I have 4 unbilled credit cards for 6 months gwa ng kakulangan s budget kasi ako po ang bread winner ng pamilya. am aspirng to be debt free life pinoy. Kung hindi paumanhin sa inyu. There is a protection from harassment, just inform your Bank regarding it. When they charge-off an account, they sell your original 100,000.00-peso debt to a collections agency. Blah Blah calls you and threatens to take you to court because of your unpaid debt. Naging very helpful po ang topic na ito, lalo na sa mga CC users na kagaya ko. Kasi actually nasa debit card ko lang na naka account sa kanila ung money. Magbabayad naman talaga ako kapag nakuha ko na yung salary ko… help naman po pls.. San po ba dapat mag settle ng credit card debts? gawan mo ng paraan para makagalaw kayo ng maayos. This was done in front of family members spending their holidays at my house (on the 21st, 22nd and 23rd of January our annual festival “Dinaggyang” has been held in our city) which not only put me in the situation of disclosing, better yet restating what it shouldn’t be anything new to them: my mother and co-maker of the said car loan medical conditions fighting her stage 2 cancer for the past year. The first place to look for answers on what is and isn’t allowed when debt collectors come calling is the Fair Debt Collection Practices Act. Yes, comprehensive din insurance ko. (b) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, and imprisonment for not less than ten (10) years and for not more than twelve (12) years, in the case of an offense under Sec. i now have a sleepless nights and waking up every morning with nervous and fear..please help me.. another thing..the collection agent found my new work without giving my details to the bank..sabi ko alam ko ang obligasyon ko kaya nga tumatawag ako sa banko eh….sabi pa nya pwede nila ko puntahan sa work at pwede daw ako mawalan na trabaho..pinakinabangan ko naman daw ung CC at bakit hindi daw ako nagbabayad..at sabi pa nya it is my obligaton to tell the bank changes on my personal details and he also said at the end of his text, “now tell me nasan ang harrassment jan?”..it’s been 4 months na kasi nung last ako nagbayad..and walang tigil ung CA sa pag call at pag text..sa isang araw more than 10 missed call palagi..what should i do? gaya ko natakot din ako noong una. Pero never ako nakatanggap nito. Salary Loan, Personal Loan o Credit Card? hanggang ngyon pinapagomot nmin nanay nmin kya hindi po kmi mkpgbigay. Hi guys, i was once connected in an agency of the bank, and being a character of lawyer,police,dfa,ambassador and etc was been my expertise. good day once again mr. ednabus…..pag po ba ang credit card ay issue ng isang bank sa ibang bansa at hindi ito nabayaran, sakop po ba ito ng Republic Act No. sinettle ko lng ng 1000 to 1500 lang monthly na hulog ko.. ung iba po di ko pa naumpisahan bayaran.. gusto ko nman po isettle ung ibang unit pero di ko lang po magagagawa na sabay sabay magbayad.. nababother lang po ako sa due date na masasampahan na daw ako ng case.. pa advice naman po… salamat, ask q lng po qng my nakukulong n s utang s credit card 30 k po ang utang q pero nging 37k dhil s charges ng prime alliance, nakikipag reconcile aq s knila ng payment kya lng nagbigay cla ng 2 option, option 1: bayadan q ung whole amount n 30k (agad-agad) then option 2: 3 months 2 pay ung 37k which is 12k monthly, so ang bigat po nun pra sa part q, kz nga hndi q n nga mabaydan eh tpos gnun p ibbgay sking options, willing nmn aq magbayad kya lng prang cla n din ung bagbbgay ng way pra hndi q n tlga mabayadan. Yes, I am in the field of collections for the past 15 years dahil meron akong collection agency.Pero never akong nasampahan ng complaints dahil inilalagay ko sa lugar ang responsibilidad ko sa lipunan natin. the loan was year 2006. nawala sya because of my previous employer’s maintenance. Hi Sir! After po ng several months nagkausap po kmi nung inutangan ko n we will extend n lng for another year and mag dedeposit na lng ako sa acct nya khit ndi evey=ry month bsta ma byran ko in full. hello Fitz, ask ko lang, i admit naging delinquent ako sa payment ng credit cards ko dahil at that time na me CC pa ako, stable pa yung job ko. I’ve also been a “victim” of them, kunwari trying to “help” pero ang pakay uutuin para magbayad, tapos pag ndi ka mauto, last tactic is harassment. May tumawag ksi sa MAIN OFFICE namin from ANCHOR COLLECTION AGENCY daw, nagagalit na daw kung bakit di nila ako macontact sa local ko, wla daw sumasagot. Now that I have a new one, i want to pay my debt but it increased hugely. Kahit daw isoli ko ang machines ay kelangan ko pa din daw i-settle ang full amount dahil nasa contract daw un. for what they did is total harassment. Paano kung hindi? at alamin kung bakit kayo nadedelay.maayos na paguusap lang muna dapat. The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq. .huh! Only after so many months that i learned from it, when i got another subpoena stating that my case was for decision already. I told them already but they keep on calling, sometimes multiple times in one day. pero sa utang ko pong 27k naging 7k+/month ang babayaran ko for 2 years. So that, I decided to stop paying them and requested to block my atm card. 2. But still i want to sue this bank. Most of my officemates applied for a loan and got approved. po lahat hanggang sa nagkasakit na po ako sa sobrang pag iisip kung pano mabbayaran ang lahat ng utang ko sa kanila halos isang buwan po akong nagkasakit. makakahanap rin kayo ng katapat nyo na halang ang bituka at baka katayin kayo ng buhay at ibenta ang karne nyo sa palengke para me pambayad ng sinisingil ninyo. He’s a collector, working in a collecting agency and not a law firm. Hi Anyone legal advise is much appreciated. Need a legal advice on my loans and credit cards. Ano po kaya ang maaari namin gawin? But I have decided to resigned from my work dahil sa wala naman pong promotion at sa hirap ng buhay dyan sa Maynila. THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. I received a text from their representative saying she is from The Philippine Daily Tribune Publication Department with phone number 381-8637 saying that my name, old employer’s name and old address will be published as notice to the public, a paid advertisement by a law firm led by Atty. 282. )the judge grants you another 15 days. last payment ko was april 2011 dahil nawalan na ko ng work after non. L. 95-109; 91 Stat. I asked SOA from Chinatrust no payment reflect, I called Union Bank kasi dun po ako nag pay, wala na po sila records kasi ang tagao na sobra. Before passage of the FDCPA, it wasn’t uncommon for debt collectors to verbally harass and even physically assault consumers who had an outstanding debt. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 45 days to investigate this information and during such time all collection activity must cease and desist. A certain percentage is being paid by the Bank to an agency if collection effort success. Is it possible for me to get a loan from the bank since i will be using a collateral. I think yung message na yun is meant for another creditor tapos copy paste nla yung message but forgot to change the fullname of that person. 1. Ang trabaho ko lang po ay sideline na lang sa kapatid ko kaya di po sapat ang kinikita namin, lumaki ng lumaki ang minimum na kailangan kong bayaran sa kanila halos araw-araw nila akong tinatawagan para mabayaran ang gusto nilang amount na kailangan daw bayaran ko kung hindi ilelegal na daw nila at babayaran ko daw ang buong utang ko. Nag text po ako sa kanila a week ago na kung sana eh april na ako magbayad. Great Blessed day sa lahat! Natatakot po yung asawa ko kasi minsan nagbabanta sila na magdedemanda at magdadala ng pulis. ed nabus: Yes, I already contacted the bank. Humihingi nga po sila ng kopya sakin ng kontrata dun sa unang lending company para dun daw po yung basehan. @JAR wala po kayo dapat ipangamba, they were barking a wrong tree.Kapag tumawag ulit kausapin mo and get their details such as of name of law office and address and the person calling you. hi po gud pm po my name is jona ask lang po sana aku nang advice abot my boyfrnd hospetal bill umabot na po kc nang 300th po at di po namen kayang bayaran po lahat now ang tanung ku pu my karapatan po ba ang hospetal na de po kame palabasen at they keep ass sa hospetal. Liable ka pa rin sa pagbabayad noon dahil ung receiving copy ng mag issue sau ng loan ang H.R nu forwarded un sa bank.Kumbaga naging agent lang ang H.R nu. O baka nman nagpalit lng sila ng company name. Bukod sa aking mga utang sa Banko at ibang lending institution ay may utang din akong personal. grabe sila. Kahit anung gawin ko ay hndi ko na kakayanin ang halagang sinisingil nila sa akin. Everytime my migraine attacks I collapse. Hello Sir Ed or Sir Fitz.. Ngloan ako sa chinatrust 2008 and payable for 3 yrs, ginamit ko po pang negosyo pero sad to say nalugi ako kaya hndi ko nabayaran ang monthly dues ko for 1 and a half year, after that may tumatawag na sa akin na pulis last dec 2011 and then recently I received a final warning from VE Palis Law Office, the legal arm of ERJ Collection- Mabilis ko nabayaran because I used mybonuses/ Unfortunaly I lost the receipt before I left the company. 9 (b)-(e), and (g)-(p) which does not occur after a conviction for another offense under Sec. May loan po ko sa isang lending company… Nagissue po ko ng pdc… Ok nman po sa first four months kya lang on the 5th month hinde ko po napondohan ung tseke. We all know that credit card issuers make a profit from the interest, penalties and other fees that they slap onto the cardmember. It was a relief hearing this but still, I wanted to settle this with chinatrust. In case you’re wondering what Article 287 of the Philippine Revised Penal Code is, I also researched that and it states: Art. The problem is the mgrs of the collections agency s verbally abusing and harassinf me. i will have the money at the end of the month and i want to pay them and settle it for arrangement so i will have a monthly dues..should i contact the bank instead of the collection agent? Question, can we just keep on negotiating with the agency until a fair agreement is reached? The purpose of this bill is to eliminate abusive debt collection practices by creditors and debt collectors for the following reasons: First, means, other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts; second, to ensure that those creditors and debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged; and third, to provide an adequate legal remedy to consumers against abusive debt collection practices. scenario: last year, the client (bankard) of the collection agency instructed them not to proceed with the filing of the complaint against the cardholder and consider the claim closed and terminated. Debt collectors may not solicit payment for fees other than which is legally owed by the consumer. I have a credit card debt. I’m already here at united states from 2009 to 2015.then suddenly after 5 years some law firm call us here.. you can collect without harassment; it also meant settling my debt earlier. Collection sum of money SO ORDERED. i have my passport now already…. Sa personal loan ko ngaun wlang issued na PDC. PLS. she said his manager wants to talk 2 me so she pass the phone to a guy forgot the name and he told me na sya ung manager .. i said i’ll check my finances 1st and then this morning i received a call from aimie she told me na kakausapin ako nung supervisor nya nshock ako ung kausap kong guy yesterday na manager nya dw e sya din kausap ko. Unfortunately, just recently, my husband and I applied for an auto loan. Please help and give me advice on what course of action should I take. I was able to pay my bills ontime from the start, until naging delnquent na rin due to financial problems. All I was told is to communicate with my bank for details and apologized for not being able to answer my questions since themselves clueless. In 1977, Congress passed the FDCPA “to eliminate abusive debt collection practices by debt collectors.” 1 The Bureau engages in a wide range of supervision, enforcement, rulemaking, hello po. I am a CC holder before and that time I was pregnant, was hospitalized when I was in my 7th month, unfortunately, my husband lost his job and ako lang ang may work that time. pls help. This is a long distance call from Makati Prosecutors Office…. My brother dont have the capability to pay the debt by this time due to bankruptcy. which my wife was able to verify. would it be possible makarequest from court a certification n ipapakita sa nbi para mk renew n me kc nid q sa pag aply ulit abroad. Tinawagan ko po yung chinatrust gaya po ng sabi nyo po. Hi Fitz share ko lang to: Halata po na nilulubog nila kmi ng asawa ko. I moved out from the apartment na naka address when i filed my loan. Sayang kasi opportunity. Mr. Hi this is a good site and discussion group, Sir Fritz. problem is we cannot get and verify if your blocklisted, unless you tried to apply for a loanand was declined bec of being blocklisted.. but if you wanna settle and your name is already in CMAP, CCAP or CBAP then the best thing to do is settle you dues and we can request for a quitclaim which will serve to renounce all claims and liabilities that have settled. I called them and explained what happened. If you will continue to ignore them mapipilitan silang isampa ang case sa SMALL CLAIMS COURT o sa MTC. 2008 when they first call reg my account. trust me. I believe wala nman masama sa hinihingi ko? and more……. After another month, you file a “Motion for extension to file answer” Problema lang nman po yan at lahat ng Problema may solusyon. Sana makapg-update kayo ng balita. We made an agreement on the amount that I have to pay. request for staggered payment and amnesty for u to settle ur bal. Sana po ay me makatulong sa akin. hi good day po…may tumawag po sakin police daw po sya..currently ndi n po ako nakatira dun sa bahay ng parents ko..pumunta daw po sya sa bhay ng parents ko pero ndi n nga daw po ako dun nakatire..may warrant of arrest daw po sakin…meron po syang binigay n name ng attorney…sya daw po ung nagsampa ng kaso sakin..wala nmn po akong narereceive n any communication sa bank n pinagkakautangan ko..lahat lang po ng narereceive ko ay calls from collecting agency and harassments..now may warrant n daw pong nakaserve sakin..sa calls n narereceive ko po..sinasabi ko nmn po sknila na indi ko po kaya magbayad ng utang ko.. HELLO FITZ VILLAFUERTE they have a different number 8973172. so i told them i thought ur da manager how come supervisor ka nlng.. so aun nanakot cla na pu2ntahan dw nla ko d2 sa work ko and they told me na mgfile cla ng case against me. any advice is much appreciated. Naisip ko nga po na sa korte nalang ako mag plead pero nakaka takot naman po yun They also indicated that within 24 hours if i fail to comply they will work with our police station and NBI to serve the warrant of arrest. Thank you very much, next time na me pumunta or tumawag sa akin from collection agencies, kausapin ko na lang sila in a nice way na wala pa talaga ako pambayad, and then kung talagang manakot sila, magalit at kung anu-ano pang harassments and threatens ang gamitin, Pwede ba akong magalit at tell them na sige file it in court na para makapag explain at madefend ko rin ung side ko? Thanks for shedding light on this ed. here abroad. (a) By using fictitious name, or falsely pretending to possess power, influence, qualifications or imaginary transactions, or by means of other similar deceits. I’m planning to apply for a job this year and I’m afraid I couldn’t get one because of being block listed. Upang madagdagan pa ang kamalayan mo na yan, makabubuting basahin mo ang kabuuan ng R.A.8484 at dapat maunawa mo ng tama.In fairness to you tama na nakapaloob nga yan sa batas na nabanggit ang “unauthorized use of cc”.Para sa karagdagan ng iyong muwang hindi lang po yan ang nilalamam ng batas na yan sa kabuuan. 5. It will harm your employment if they will continue calling your office.An you can not hurls them in calling your office numbers specially if you declared it with your application documents. yung kasama kong pinadalhan din pinipilit siyang gamitin na ang credit card niya sa eastwest. You can ask a lawyer about that. hi.. There is abundant evidence of the widespread use of abusive, deceptive, and unfair debt collection practices by many creditors and debt collectors. marami akong ginawa na paraan para maka hanap ng maayos na work. Nang pinuntahan ko po sa post office bumalik na po sa sender ang letter. A month back, someone tried to harrass me sa ofc and they identified themselves as police. Interesado sana ako malaman ang mga nangyari na sa problema ninyo. Tapos yung natitirang 2 eh nakakaresiv po ako ng letter from their bank na ang acct ko is under a collecting agency.
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