May nakukulong ba talaga sa hindi pagbabayad ng credit card?

[bankerII]

naka usap ko na yung collectors...tititgnan daw nila magagawa nila.

they know that they cant!
they are only after their commission.
after you pay, you are own your own.

take it from there.

[RINOABREA]

you can transfer anywhere you want.
niloloko ng collectors na dapat you should inform me
based on RA 8484, which is NOT applicable to you.
(see my comment above why)
they just want to tract you down so that they can
extort money from you.

payroll?
no probs.
BPI is not like Metro Bank na kahit illegal ginagawa.

curious lang.. anong illegal na ginagawa? hihi.

[bankerII]

when you default,
Metrobank sometimes illegally gets all of your salary.
they know you cant afford a lawyer anyway.

[aicute12]

wow, actually my utang din ako sa citibank, sobrang grabe nila. 3 years ago na yun. feeling ko nakalimutan na nila ko. pero yung akin naman 10k lang at hindi umabot ng 100k.

[RINOABREA]

when you default,
Metrobank sometimes illegally gets all of your salary.
they know you cant afford a lawyer anyway.

Woah.. how the heck can they do that without your permission? I think everybody should be aware of this.

[bankerII]

wow, actually my utang din ako sa citibank, sobrang grabe nila. 3 years ago na yun. feeling ko nakalimutan na nila ko. pero yung akin naman 10k lang at hindi umabot ng 100k.

card interest is 3.5% p.m. (42% p.a.) compounded monthly
plus 5% penalty compounded monthly
plus other fees compounded monthly
plus
25% collection fee
plus ++
dont worry, it will reach eventually P100,000.00!
and there is no guarantee that collectors will forget their source of income.
wanna bet?

[aicute12]

2 years na din naman nila kong hindi tinatawagan banker!
saka hindi naman 100k na utang talaga. lolobo lang kaya magiging 100k.
aside from that, alam ko naman din na pwede kong tawaran ang 100k na lumobong utang ng 10k lang. dahil 10k lang naman talaga ang akin dun.lol.

at, i doubt kung babayaran ko pa!

[marlowe1701]

2 years na din naman nila kong hindi tinatawagan banker!
saka hindi naman 100k na utang talaga. lolobo lang kaya magiging 100k.
aside from that, alam ko naman din na pwede kong tawaran ang 100k na lumobong utang ng 10k lang. dahil 10k lang naman talaga ang akin dun.lol.

at, i doubt kung babayaran ko pa!

kung ako nasa katayuan mo, i will settle that amount, mahirap pag nasa CMAP na name mo....

[evejay]

Question lang po,makaka affect po ba sa mine-maintian na cc ng isang tao kung meron pa sya unsettled amount sa isang cc company?pwede po ba ipa hold or icancel yung existing cc s ibang bank na in good standing ngayon?Thanks

[bankerII]

the answer is N O .
pakialam namin dyan sa competitor namin.

[evejay]

the answer is N O .
pakialam namin dyan sa competitor namin.

Thanks bankerII

[alongsky]

Wala pa akong nababalitaan na nakulong, unless the intent is to defraud the company. However it will still be string of evidences to prove the person,guilty first. Actually, hindi kulong ang intindihin mo. Yung mga credit collectors ang isipin mo sa sobrang sipag nila hanapin at tawagin ka with their undying love for Bllying tactics,(Laugh out Loud!!!)

[alongsky]

I have read your post, realistically speaking. Hindi ka makukulong. Credit collectors are very good in bullying tactics. Ang ganitong utang mo palalakihin nila para ma-overwhelm ka para kahit papaano ay magbayad ka.Pero anong mangyayari, ang binabayaran mo lang ay sila hindi yung bangko. Try offering them amnesty, they will give you lots of reason to pay first the minimum, then ayun duon lang kayo mag-uusap. Pero yung amnesty condition is to pay in full amount para hintuan ka na nila, di ba? eh hindi mo nga kayang bayaran ng ganuon biglaan. Kaya ma-uuwi uli sa pagbayad ng minimum uli. Kung gusto mo silang tantanan kanila muna for a month or two. bayaran mo muna sila in minimum sa kanilang hinihinging exagerrated stated amount,but give them your condition as well like "I can pay you every 15th and 30th at the total of the minimum,They will agree to that." kasi it's better than nothing at all, right? However, huwag kang papalya kasi pagnangyari iyon, balik ka uli sa square one at umpisa na naman uli, ganun katindi sila. An advice, within the year try saving slowly an amount that can total for your amnesty payment then when you reach that amount, offer it to them,They will readily agree. But for the mean time bayaran mo muna in minimum yung exaggerated amount monthly, just to keep them off your back and nakakapag-ipon ka at the same time for your amnesty payment. sana makatulong itong advice ko sa iyo.

[bankerII]

alongsky, just some caveat:
- are they authorized?
- is it the correct amount?
- saan ba pumupunta ang bayad?

[argamit]

kung ako nasa katayuan mo, i will settle that amount, mahirap pag nasa CMAP na name mo....

gaano ba kabilis or katagal bago malagay sa CMAP ang name ng isang tao?

[marlowe1701]

gaano ba kabilis or katagal bago malagay sa CMAP ang name ng isang tao?

ang tanong ko is may natatanggap ka bang letter from legal office? kung meron at di mo ito na settle after you receive their final notice, ang court na mismo ang magsa submit ng name mo sa CMAP (not the bank huh), then once submitted na ng court ang name mo then, blacklisted ka na. you may try calling CMAP to check if your name is in their database na...eto po ang number ng CMAP - 8129880 / 8178386 / 8182372...just provide them your name and they will inform you kung nasa CMAP na ang name mo... hope this will help....

[bankerII]

Marlowe,

just want to confirm:

is it the court now that submits the credit info to CMAP?
is Credit Information Corp. in existent?

been away for quite a long time.

[marlowe1701]

Marlowe,

just want to confirm:

is it the court now that submits the credit info to CMAP?
is Credit Information Corp. in existent?

been away for quite a long time.

thats how CMAP explained to me when i tried to check my name in their database. sabi ng nakausap ko court po daw ang nagbibigay ng details ng person to be included in CMAP.

[bankerII]

thanks Marlowe


Before, it is the CMAP staff that sourced the info from
the courts.

The court is not "reporting" to CMAP.

(unless I am not updated anymore.)

[dspinon27]

Hi Pexers,

Just an advice with this forum...I made a negotiation in a form of amnesty program with the collection agents but still they don't accept my offer and yet they force me to pay the minimum amount to settle and then they will endorse my account to bank to approve for the amnesty program..Is it really true that I need to pay the required amount of downpayment in order to approved for an amnesty program or I can have it directly once requested... hope somebody will give some sort of advice.. thanks..