I told them na willing po ako magpay nang 6k kasi un lang naman ang balance ko kasi yung interest nang loan kinukuha nila before nila ibinibigay yung pera. you can visit Credit Management Association of the Philippines (CMAP)at Rm. With the Police reports and your request you can direct your letter to the Remedial Division ng Bank kung saan kayo nag avail ng Car Loan. he has been posting very rude comments on his wall regarding our whole family as thieves. First, in July 2013, the Bureau began accepting debt collection complaints. after a month, someone called again, i was able to recognize the voice, i told him that we will not entertain his call for the simple reason that it is personal, he could either call shine on her celpone of after office hours, again he shouted, (para syang bakla kung magsalita) he called several times harassing me and saying unimaginable things, he even told me that he will go to the office, and i told him ill be waiting for him. kaso ngayon medyo gipit lang yun nanay ko. Problema lang nman po yan at lahat ng Problema may solusyon. Definitely yes.Dapat sa bawat transaction ng payment mo or kapag na confirm na nila ang deposited amount ng payment mo dapat pinapadala nila ang O.R. or ano ba ung dapat gawin? Currently, I am unemployed. pero wala po talaga ako ibabayad. SEN. Sherwin Gatchalian is pushing to regulate the debt collection practices of financing and lending companies to protect ordinary Filipino borrowers. The federal law, enacted in 1977 to curb abuses by third-party debt collection agencies, carries protections against harassment, threats, unwanted calls to the workplace and disclosing the existence of debts to friends and neighbors. Meron Ba? i hope this will empower all those who are also in debt and are being harassed by the collectors. or just one of those ek ek ng mga collection co? Nagbelow mim. 7. Please help me. There is actually an administrative regulation on this – I can’t remember whether it was from DTI or BSP, but there is a regulation regarding this. willing nman po kming magbayad sa utang na yon basta lang ba makaalis kami ulit. next question ko rin po hindi ba magrereflect ang utang ko kung sakaling mag-apply ako ng immigrant papuntang UK? I would like to know the validity of this arrest they were saying but i’m scared to be harassed because i’ ve been a lot of times already. Three years ago. tanong ko lang meron bang 24k Law firm? 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. Anyway, may pumunta po kolektor sa amin para magkolekt ng payment. Prior to that may ongoing Salary Stretch Loan po ako sa Chinatrust which on the first 5 months I had able to paid religiously. aware naman po ang mom ko regarding the status of her credit card and agreed sa arrangement.she even paid the initial amount of 1,600 pesos. Eventually as my txt’s conversation could prove I was in strict communications with the bank the whole day I’ve informed them when I was about to walk in the branch nearest my place and prior to approach the teller I’ve informed the representative of the collection department of my bank of the partial amount I came up with. 1. which my wife was able to verify. 14.Art. Thanks so much Fitz and ex-collector for sharing your ideas. @heather101, this is just what I know and may not be correct but I believe that having a bad credit history doesn’t greatly affect your chances of getting a passport so you’re fine on that aspect. Bumalik na po ako sa magulang bahay ulit… Need advice di po ako makatulog.. , Hi, Is there any update if the said bill was passed or still sitting with them…. On top of the 15 calendar days for me to get the vehicle back I have to update my outstanding balance inclusive of any required fees and sustain the charge of 300pesos a day for every single day my car will be parked at their warehouse and the issuance of post dated check till the fully maturity of my debt (24 checks) . If pipilitin sa gusto nilang amount, walang makain family ko. The loan is not covered by post dated checks. you can email me at my email address *** so that i can give you the complete name of our lawyer. Thank you so much sa inyo ni Sir Fitz at marami kayong natulungan dito. Simple lang yan gaya ng kaibigan ko get a lawyer then makipag-ayos ka sa bangko na kaya mong bayaran..lahat ng interest sa utang nya sa CC nawala bali principal nalang ang ni restructure sa sobrang pera na maitabi nya sa mga monthly gastosin sa bahay,upa,kuryente,edukasyon ng anak at pagkain.. IMportante kasi sa tao mabuhay bago magbayad ng utang. her name is Aimee Era from Prime alliance. Lastly, you are obliged to pay the interest and penalty because under bank policy, in case of delinquency client obliged to pay all the liquidated damages, which includes penalty charges and interest. MANILA, Philippines — The Securities and Exchange Commission (SEC) has issued a memorandum circular preventing unfair debt collection practices such as … . (j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter; Then this made me suspicious since i did not issue checks. kun wala akong kaso dito sa pinas, o sabihin na nating hindi nila ako makakasuhan dito, anu anu po ang pwde nilang gawin regarding my unsettled loan sa middle east specifically Kingdom of Bahrain dito sa pinas, hi james, maaaring ipasa ng Bank sa mga collection agency rito sa Pinas ang loan mo sa Bahrain FOR COLLECTION purposes. I don’t think I have to pay for the bullsh*t insurance. 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. An0 p0 b pwd k0 gawin. ms worried, But still, that does not justify their inbred behavior. 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. Thanks a lot po for your help Sir Ed!Can I have your email address po? Also, according sa neighbor namin meron daw pumunta na pulis sa house and meron daw isi-serve na warrant of arrest.Pero nung pina-check ko sa police station wala namang nakitang record dun. 401 Cattleya Condominium 235 Salcedo Street Legaspi Village Makati, 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. […] there’s already Senate Bill Number 1277 or the Philippine Fair Debt Collection Practices Act, it’s unfortunately still pending since 2007, so we can’t expect any of those […]. Una nagpapasalamat din ako sau for appreciating our info as well as with Sir Fritz.Di ko rin kasi matiis ang mga taong kailangan ng information na pwedeng makatulong sa kanilang dalahin. Nope. I must settle the amount they want, else ipalelegal na nila ako. Ano po ba ang dapat kong gawin? Sabi ko po hindi ko kayang bayaran yun ng one time kung meron silang installment basis na monthly pwede ko pa siguro mabayaran. thanks and god bless. I request for a copy pero index card lang ang pinapakita nila sakin. Mga sir tulungan nyo naman po ako kasi kailangan kung makakuha ng NBI ko kasi pinapaprocess na ako ng inaplayan kung trabaho sa ibang bansa. Kahit daw isoli ko ang machines ay kelangan ko pa din daw i-settle ang full amount dahil nasa contract daw un. EMAIL AD PO? You can request for a lower One Time Payment amount. Since gusto ko na talagang maitigil yung pag accummulate ng interest, despite the many requirements they asked from me, I re applied for another request. Filed by: Nelson Loyola & Associates Sayang kasi opportunity. Plus kelangan mo pa magleave sa work para maasikaso. hi, i received a text message that says my credit standing is officially block listed in CCAP and BAP and All banks refer for backgound checking in terms of loans and work application to justify their concern.. i’m not worried about loans coz I don’t plan to.. it’s just that, will this really affect my work application to a certain company? Thank you very much and God bless you too. nahihiya po ako at natatakot ngayon.. Hwag daw akong magtago at kahit daw tumawag pa ako ng pulis at abogado. Humihingi nga po sila ng kopya sakin ng kontrata dun sa unang lending company para dun daw po yung basehan. Ano po ang dapat kong gawin? I just went back here in the phils for an emergency leave pero nung pabalik na ko i found out na ipina-cancel ng employer ko ang pass ko without my knowledge. This could be an important step to stop debt collection harassment. 9 (a), and (f) of the foregoing section, which does not occur after a conviction for another offense under Sec. After another month (again! you may call or email the HSBC customer service. the Judge, even without a lawyer, for the initial stage of the @ sheldane: tyhey can ask the help of the lokal official to assist them for contacting you and possible arrangement. ed, Is the proposed bill already in effect? nakuha ko din po agad yung clearance ko from hsbc right there. 0000011362 00000 n Your bank, credit card company, and auto loan company are not debt collectors and cannot be held liable for anything violating the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collection Practices Act (FDCPA), Pub. Do debt collection agencies need to have a license to operate in the Philippines?? Email nyo po ako please. The bank replied me and granted my request. This is to inform you Regarding CIVIL/CRIMINAL CASE COMPLAINT ( ESTAFA) filed at MAKATI CITY MTC. No one goes to jail because of bad debt. para one time installment payment nalang. i’ll email you po. this is the risk you should be willing to take. Hello po sir Ed., salamat po g marami sa site na to. Gusto ko na pong matapos ang problema ko kaya sana po Please, please help me. which agency can i ask for help. very delinquent nako. There is a protection from harassment, just inform your Bank regarding it. i think its unfair for those who wishes to pay more than 2 times a month. Everything he said are all BS. Pls. My boss spoke to me and told me she was able to talk to the guy. but other than that your post is somewhat helpful but i am sure if they come here with abuse or threatening attitudes i am sure they will think twice. Kapag or interbank deposit or inter branch payment meron talaga charge ng 50pesos. Ung partner ko po nanalo na sya sa kaso.. kaso bakit ganun kahit may sheriff na binigay hindi pa din sya makakilos . Our office personnel was smart enough to call the headquarters they represent at nalaman na wala daw names na ganun na ngeexist dun. walang maipa-kita ang mga iyan. Kay Ms Doll.Tama lang naman ang sinasabi ng taga Prime Alliance.Pero kung hindi mo kaya ang pinababayad nya sayo dapat sabihin mo ito sa kanya at makipagkasunduan ka sa halagang kaya mong ibayad. I requested na mag pay labg ako to what i can afford since i am unemployed but they are demanding me 2,800+. i kept on asking them for papers of agreement, they also sent it via email. ? Hello po. 2008 when they first call reg my account. 2092 (2010) As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. May tumawag uli sa akin on the third time at police daw siya at alam niyo ba may ginawa pa sila estelo na gumawa sila ng serena na police para pantakot nila na hindi naman siya pulis at tianakot talaga nila ako at nagkunwari may tumawag na siya daw si attorney eh sa pagkabigla ko naman ay nakiusap ako sa atty. What are my rights and can I have to pay smaller than my due? Same story with barangay captains. can a case be filed against me? Tinawagan ko po yung chinatrust gaya po ng sabi nyo po. actually i had a conversation sa bank months ago and they want me to pay ung overdue amount which is around 19k na daw sabi ko i can only pay around 5k at the end of july para maavail ko ung payment arrangement ng bank (HSBC) pero they did not let me pay it instead they forwaded my account to the legal department and now to collection agency..so ano maganda ko gawin? (YOUR DISKARTE NOW. And i also BDO already filed a case against me in May 2010, unfortunately the time that they sent to me the first subpoena, i did not receive it but my father got it. I have no intent of running away of my obligation but as of today I don’t have the means to pay the total amount due of Php 315k. Maelao:walang karapatan ang agency o ang bank mismo na ibigay ang lahat ng detalye ng loans mo sa kahit na sinong tao o kahit na sa Brgy chairman nyo.Malaking paglabag ito sa confidentiality ng account mo.Maaaring matanggalan ng license ang Agency na nagpadala nito sa Brgy nyo. i was enticed to take out a loan from my credit card since i used to (and still am) receive a lot of text messages and calls from the card company and their agents saying that i was qualified for a cash loan. Just because you owe money that you’re unable to pay doesn’t mean you are devoid of your rights as a consumer. I have 2 defaulted credit cards. HELP WAHT TO DO WITH THIS…. 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. Sinabi ko sa bank na fully paid na ako provided of the insurance but according to them, wala silang narereceive na payment. How do you stop Collection Agencies from calling you at work and what rights do you have regarding this? Kasi actually nasa debit card ko lang na naka account sa kanila ung money. Now, my question is, do I have to inform the bank that my mom has passed? So, nag lapsed na on November 2010. thanks for all the informations you feed in this site.Kaya lang na mis interpret yata ng iba. recently, my wife received a call from a credit card collection department. May kaibigan akong mag asawa sa probensya namin, dati po may negosyo dahil po may nag finance sa kanila.Ang nanyari po, na stop yong rattan na business at yong mga tauhan nila may utang pa syempre di sila makabayad kasi nga wala ng rattan na makukuha sa bukid. Your response is highly appreciated. If ever you have raised the amount of your Outstanding Balance na 30k You can request to them the penalty amnesty so that you can settle the loan.Is your Current Account used for PDC still active? kung noong una maayos naman ano naging problema? Hello Mr Ace, wala rin naman po akong pera na ipambabayad sa lumobo na utang ko doon, kung tutuusin 10k lang ata ang nagamit ko dun, 20k po ang credit limit nun. first I dont use credit card nor i have debt to anyone, if that Lagman from RCBC whats to harras someone i hope he will not harrass someone who would be a future client. I have no one to turn to pra mabayaran ko ung personal loan ko..meron nang sms notification sakin sa 3months delay payment ko, they asking me to settle it immediately to avoid endorsement to Lawyer. What should I do now.