May nakukulong ba talaga sa hindi pagbabayad ng credit card?

[aicute12]

Kaso naman ayaw makipag cooperate nila, gusto nila magbayad ka agad sa araw na ganito.. E paano kung wala naman na talaga maibayad yung iba, kesa naman isipin ng collections na tinatakbuhan nila, why not show the willingness to pay nalang..??

[baby_blues]

thank you baby_blues

filing a complaint

saan at kanino dapat i-address?

again, my appreciation for your inputs.

allo...you can call the customer service of your card company...take note of the name who called you...the csr will course it to the supervisor/manager...and the disciplinary action will depend on how "valid" the complaint is....

[cornelsky]

Kaso naman ayaw makipag cooperate nila, gusto nila magbayad ka agad sa araw na ganito.. E paano kung wala naman na talaga maibayad yung iba, kesa naman isipin ng collections na tinatakbuhan nila, why not show the willingness to pay nalang..??

no one can force you to pay ur debts pag talaga wala ka pambayad. as long as your intent to pay is there, your solubility ang solvency di nila kaya ipilit yun.......

promise to pay lang

but no checks ...... trap yun

[aicute12]

Kase nga nangungulit sila eh. ehhe..

[dgarcia]

Umalis ako ng Pinas kasi pabagsak na kompanya na pinagta-trabahuhan ko. Kaso malaki utang ko sa credit card - i think P80k - now e P250k+ na daw. Eto ako aral at trabaho para masuportahan pamilya sa Pinas at para mas maganda future ko. A few years later - a few weeks ago actually - nagsimula mang-harass yung collection agency / law firm (bakit ba pinapayagan 'to which I heard is now a source of misrepresentation, false pretenses, etc.).

Aminado ako dapat nagsimula ako magbayad kahit paano. Pwede pero pahirapan. Pero ang siste e ganito: may threat yung collection agency na papahanap daw ako kung nasaan ako at papabalikin sa pinas para magbayad. Before this, may threat na i-Hold Departure ako kung babalik ako para hindi ako makaalis ng Pinas.

Ang tanong: hanggang saan kaya or pwede i-pursue yung pagkolekta? Pwede ba ako ma-extradite for this? If I start paying now - but I do not want to pay the collection agency and instead pay the bank, maayos ko kaya etong problema?

Konting tulong or advise will be appreciated. Salamat.

[cornelsky]

that is purel a case for a collection of a sum of money, hindi criminral, papayaan mo nalang and concentrate sa job mo at family, medyo dedma at pakapal muka, just make promises promises para may intent to pay ka at no intention to defrau your creditors.

they cannot force you to be solvent if you are not, your capacity to pay, mas ok pag nag work ka

hold departure order bec of credit card non payment, ano yan lokohan? bigay mo cp no ng collector ako mag legally harrass sa kanya.

[sweet_ryan]

May amnesty programs ba ang mga credit card companies? If for example I have
an outstanding of 50k sa citibank and I promised to pay sa next cutoff, irere-structure
ba nila yung utang mo (like waive off the the 50% of your utang , hehe, wishful thinking)?
Or will they give you discounts?

thanks

[cornelsky]

May amnesty programs ba ang mga credit card companies? If for example I have
an outstanding of 50k sa citibank and I promised to pay sa next cutoff, irere-structure
ba nila yung utang mo (like waive off the the 50% of your utang , hehe, wishful thinking)?
Or will they give you discounts?

thanks

wait for a moatorium on debts. pag sumama na economic situation just like 1930's at 1947 after war
reason behind is to give preference sa gastos ang food over debt payment

[sweet_ryan]

may chismis lang kasi ako narining na ang citibank daw nagbibigay ng big discounts sa credit card debt nowadays as long as you settle it asap, haha.

[glamconnection]

mag ingat din kayo sa di pagbabayad kasi pag may plan kayo mag abroad magrereflect yan baka yan pa ang problemahin nyo...i knew someone na nahold papers nya dahil sa credit card.

[bankerII]

can you share the story? what "papers",where and why?

CIRCULAR NO. 39-97
TO: ALL JUDGES
Hold-Departure Orders shall be issued only in criminal cases within the exclusive jurisdiction of the Regional Trial Courts;

[aicute12]

Pag 2 months lang ba ang past due, ikakancel na ang card?

[sweet_ryan]

a friend of mine payed only 17k sa citibank credit card nya to close the account considering na almost 70k yung utang nya, parang amnesty

[dgarcia]

that is purel a case for a collection of a sum of money, hindi criminral, papayaan mo nalang and concentrate sa job mo at family, medyo dedma at pakapal muka, just make promises promises para may intent to pay ka at no intention to defrau your creditors.

they cannot force you to be solvent if you are not, your capacity to pay, mas ok pag nag work ka

hold departure order bec of credit card non payment, ano yan lokohan? bigay mo cp no ng collector ako mag legally harrass sa kanya.

Andito ako sa ibang bansa and kwidaw ako kontakin sila kasi alam ko kung ano ano sasabihin ng mga yan.

Pwede ba ako sumulat and ask for an updated statement of acct - pero use the address ko dati (kung saan andun pa naman mga kaanak ko hence alam ko na hinahanap ako)? Pwede din ba ako magpadala ng bayad either sa bank or law office/collections agency to show proof of willingness to pay?

[icydevil]

a friends of mine works b4 from one of the major credit card company here in our country ang sabi nya pag hindi nkakabayad kukulitin ka *** ng kukulitin tru fone calls as in hihiyain ka na daw ng sobra para lang magbayad ka,padadalan ng letter or something basta ganun pero wala daw nakukulong for that...again "sabi yan ng friend ko" share ko ***......heheheh......bad thing lang pag hindi ka nagbayad sa ganyan bad record ka na it could be a problem sa mga future plan mo....

[aicute12]

e paano kung matapos ng bayaran lahat??

[bankerII]

you will still have a bad credit record experience.

one cannot erase an experience.

[metropolitan]

RA 9510 - Credit Information System Act
Section 3 (h):

The negative information on the borrower as contained in the credit history files of borrowers should stay in the database of the Corporation unless sooner corrected, for not more than three (3) years from and after the date when the negative credit information was rectified through payment or liquidation of the debt, or through settlement of debts through compromise agreements or court decisions that exculpate the borrower from liability. Negative information shall be corrected and updated within fifteen (15) days from the time of payment, liquidation or settlement of debts.

[aicute12]

SO pagnabayaran na ng buo ang card, after 15 days wala na yung record?

Saka diba hanggat di mo pinapaclose yung card, pag nabayran na lahat, pwede activate ulit yun?

[jo3l]

hello, i work as a collections officer...yes wala namang nakukulong sa utang but they can refer delinquent accounts to an attorney either for salary garnishing or kung may mga assets ka to have them liquidated and maipambayad mo sa utang....posing as a lawyer is a no no; misrepresentation yun....if you feel that you are already being harrased or the collector is using profane words, you can file a complaint...kung di mo na talaga kayang mabayaran yung utang mo, you can always ask for a payment option with your account officer or better yet pumunta ka na lang sa branch nung bangko mo..makakapag file ka lang ng bankcruptcy kung nasa states ang account mo....and downside ng pagiging delinquent mo dito is ma-bablacklist ka sa lahat ng bangko. even if you fully paid yung account mo, mag rereflect pa rin yung previous history mo, kaya karamihan nahihirapan makakuha ng credit card or loan ulit....hopes this will help = )

hi collection officer, meron ako utang sa credit card 100k, pede ko ba pambayad yung car ko na worth 500k? penge na lang sukli na 400k...