Paano kayo maningil sa may utang sa inyo?

Ice BurnIce Burn Conflicting Karma PEx Influencer ⭐⭐⭐
Any tips? Kasi may sinisingil ako ngayon at 2 years na siyang may utang sa kin pero di pa rin nag-babayad.
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Comments

  • BadGiRLBadGiRL procrastination specialist PEx Veteran ⭐⭐
    naka.... hirap ng problema mo.

    Hmm... since d naman ako nagpapautang sa mga taong d ko close and konti lang naman pinapautang ko e. So usually I just ask them, "kelan mo ako babayaran?" And they pay naman when they say they will e, usually.
  • KapuTtKapuTt KapuTt is for everybody ! PExer
    well depende. kung ang may utang sa akin lagi kong kasama, minsan kunti lang dadalhin kong pera then sasabihin ko yung utang niya kasi ala na akong pera.
    kung di ko kaclose... bat ko naman papautangin ?
  • Ice BurnIce Burn Conflicting Karma PEx Influencer ⭐⭐⭐
    Buti nga kung di ka-close eh. At least mahihiyang umutang nang ganun kalaki. :rolleyes:

    Yeah...You loan money to a good friend....

    [Edited by Ice Burn on 10-23-2000 at 01:51 AM]
  • imogenimogen drama queen PExer
    it depends naman siguro kung magkano yung amount, if naman medyo di naman gaano kalaki... eh ok lang siguro kahit na di mo kulutin yung tao no. pero kung mga libo libo na o ano... by all means KULITIN MO!

    pag may utang sa kin... usually tini-timingan ko na nagbabayad kami for something... tapos tsaka ko papaalala.
  • lucaslucas BANO Season 2 Runner-Up PExer
    puntahan mo sa bahay, sabihin mo sa nanay niya! singilin mo yung magulang! o kumuha ka ng gamit sa bahay nila na katumbas nung halaga na inutang niya sa'yo >>>kailangan din importante sa kanya yun' para hahanaphanapin niya! well, then di' s'ya makakalimot, makakabayad na s'ya!
  • uptowngirluptowngirl Moderator PEx Veteran ⭐⭐
    lucas

    Parang hostage ang gamit ah! :D
  • SquatterSquatter Member PExer
    kinukulit ko sila. no one can stand it and they finally give in most of the time.

    Kung importante talaga at mukhang walang balak na mag-bayad, sinasabi ko na kailangan ko talaga ang pera at sinasabi ko kung bakit.

    Kung ayaw parin, tutukan mo sabay hirit ng "it's payback time."
  • IraIra Member PEx Rookie ⭐
    I'd inquire tactfully if I could have my money back, because, say, I need it to get some stuff. However, if the debtor is a good friend and he owes me a small amount of money (e.g. < P1000) which he really just can't seem to pay inspite of my proddings because he's financially hard up, I'll just forget about it. I think close friendships are more important to maintain than trying to get back a small amount of money at any cost. After all, true friendship requires not only a willingness to hold a friend's hand during times of trouble, but also a willingness to help out financially in times of need.
  • qwerty78qwerty78 GenjoSanzo PExer
    Originally posted by Ice Burn
    Buti nga kung di ka-close eh. At least mahihiyang umutang nang ganun kalaki. :rolleyes:

    Yeah...You loan money to a good friend....

    [Edited by Ice Burn on 10-23-2000 at 01:51 AM]

    sabi nga ni Shakespeare:
    'neither a borrower nor a lender be...' kasi nga daw hindi lang pera ang mawawala sa iyo, kundi pati kaibigan pag hindi nakabayad yung 'kaibigan' mo! pagmumulan pa ng away...

    pero kung tunay na kaibigan, siyempre tulungan na yan! tiyak na magbabayad din naman siguro ang tunay na kaibigan eh!
  • miselmisel *lilipad*lilipad*takure! PExer
    hay, nakakainis talagang magpautang sa mga walang kusang magbayad. bad trip...:grrr:

    basta, 'pag naniningil ako, laging may kasamang tawa.:) parang joke, gano'n. eh kung di madaan sa tawa, eh dinederecho ko na. "pay up, buster!"


  • Air_magicAir_magic Member PExer
    Yayain mo'ng kumain sa resto, pag tapos na kayong kumain sabihin mo "ililibre na kita, tsaka ibawas mo du'n sa utang mo sa 'kin." sabay alis.:lol: :D :lol: :D ...
  • aigheeaighee Member PExer
    hirap non lalo na pag friend mo ung may utang..
    ako... nagpaparinig ako (in a nice way,,, ung di mashado halata)na la na kong pera,,, para sya na lang ung mag initiate nang bayad... pag N.R., sori na lang ako... singil the hard way na lang
  • violtravioltra Nerni! PExer
    well, i just wait for the person to pay me up...if not, i ask him in a sincere way if he has the money...kung wala pa rin, i still wait...unless kung kailangan ko talaga yung money...
  • LiLJjLiLJj Member PExer
    i have the same problem, Ice Burn.
    di ko alam kung bakit minsan mas nahihiya pa ang naniningil kaysa doon sa umutang.
    hindi ko rin alam kung paano ko siya sisingilin, kasi i know meron siyang financial problem, e malaki-laki pa naman yung amount na hiniram niya. one time, ni-remind ko sa kanya yung utang niya, wala raw siyang natatandaan na may hiniram siya. what's worse, naputol pa ang communication namin ngayon. how's that? close friend ko pa naman siya. :(
  • qwerty78qwerty78 GenjoSanzo PExer
    Originally posted by LiLJj
    i have the same problem, Ice Burn.
    di ko alam kung bakit minsan mas nahihiya pa ang naniningil kaysa doon sa umutang.
    hindi ko rin alam kung paano ko siya sisingilin, kasi i know meron siyang financial problem, e malaki-laki pa naman yung amount na hiniram niya. one time, ni-remind ko sa kanya yung utang niya, wala raw siyang natatandaan na may hiniram siya. what's worse, naputol pa ang communication namin ngayon. how's that? close friend ko pa naman siya. :(

    i-post mo dito pangalan niya, at nang mahanting ng mga fellow pexers mo! lagot siya sa amin!
  • Ice BurnIce Burn Conflicting Karma PEx Influencer ⭐⭐⭐
    Can i ask kung harassment ang pagiging makulit na sa paniningil ng utang? Mod Zen seems to think I am harassing the person na may utang sa kin dahil Pexer siya at nag-post ako sa isang thread niya para mag-bayad na utang.

    Kung obvious na di ako pinapansin, eh bakit hinde ako mag-reresort sa pag-popost sa PEX kung yung lang naman ang pinapansin niya?

    So does asking for a payment of debt classify as defamatory, harassment, libelous, slanderous or any of those whatsoever?

    Why does it seem that ang naninigil pa ang dapat mahiya in the first place?
  • mangbhoymangbhoy Member PExer
    Ganito ako sumingil ng utang.....

    "Pare, pasensya na, ililibre pa kita sana ng Jollibee kahapon eh kulang yung pera ko kasi may utang ka pa sa akin eh."
  • MikoidMikoid Administrator PExer
    The forums of PEx are for the discussion of topics, not the airing of personal grievances.

    If you want to send a personal message to a specific PExer (whether or not it has anything to do with debt collection), just e-mail the person or if you absolutely must post it, keep it in the Small Talk forum. Buhay Pinoy is for collective, rather than one-on-one, discussions.

    Back to topic. Me, I'd contact the person individually and ask for the moolah back in no uncertain terms. It's that simple. But to embarass the person while doing so, like calling public attention to the debt issue, is defintely burning bridges. I've made that mistake before and it cost me a great deal.
  • Ice BurnIce Burn Conflicting Karma PEx Influencer ⭐⭐⭐
    Mikoid:

    I posted it in Small talk, by the way...
    As for the Buhay Pinoy thread, I wanted to see how people collect debts from a person who owes them money.

    Back to topic...

    How long does it take for a person to pay you back if you make constantly remind them of it? Gaano ka tagal ang iyong palugit?
  • AdaAda Administrator PEx Moderator
    Originally posted by LiLJj
    one time, ni-remind ko sa kanya yung utang niya, wala raw siyang natatandaan na may hiniram siya. what's worse, naputol pa ang communication namin ngayon.

    That's one tough situation you have there. While it's obvious that you're not at fault, it might be wise to forgive and forget. Just play it safe in the future and don't lend this person any more money lest he/she gets another attack of debt amnesia.
    Originally posted by Ice Burn
    How long does it take for a person to pay you back if you make constantly remind them of it? Gaano ka tagal ang iyong palugit?

    It depends on how big the amount is. If someone owes me more than, let's say, P 1,000, I tell the person two to three weeks in advance that I need the money by a certain date. That ought to be enough time for him/her to raise the money.

    I think you must consider the situation of the person as well. Is he/she unable to pay you because he/she has financial problems at the moment? If that is the case, then I suggest you ask the person to pay you at a later time. I don't believe in destroying a friendship just because of money. Sometimes we must understand that even if a friend sincerely wants to pay us back, circumstances may prevent him/her from doing so.



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