Debt Mngt | May nakukulong ba talaga sa hindi pagbabayad ng credit card at bank loan? (S2)

ebdev28

ANG ORIHINAL NA IKALAWANG SINULID AY HINDI MAKITA ANG LINK O BAKA NAWALA.

UNA: ang | May nakukulong ba talaga sa hindi pagbabayad ng credit card at bank loan?

IKALAWA: Utang | May nakukulong ba talaga sa hindi pagbabayad ng credit card at bank loan? (S2)

The Ultimate Answer to ALL of your credit card delinquency questions, summarized in just 2 MINUTES:

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Im just wondering coz most of the people i know have done this. I mean they weren't able to pay their credit card bills. They said wala namn daw nakukulong sa hindi pagbabayad ng credit card bills? Is that true? It made me curious tuloy.
How 'bout u guys?Have you ever experienced umeskapo sa pagbayad sa mga credit cards?at Keber kung hinahabol at kinukulit kayo na magbayad?

valdeez11

FEBRUARY 07, 2020 POST:

Doomsday! said:

All EYES HERE 👁👁

Kapag utang mo less than 400k small claim court yan. Usap lang with creditor. Kapag di nagkasundo iaakyat sa korte. Wag ka papayag magbayad ng mas mataas sa original utang mo. Walang lawyer needed sa small claims court.

If 400k above, Civil Case Sum of Money. Dito court proceedings na.

Wag na kayo makipagusap or negotiate sa mga CA. Antayin na lang ang court ruling. 

Pay when able mas mababa pa ang interest compared sa offer ng CA and possible na principal amount lang ang babayaran mo plus 6% interesr annually. Depende sa negotiation.

Share ko lang, sabi ni BPI 300k+ utang ko. Nagfile sila ng civil case sum of money sakin. I went to PAO office sa Makati and nagpahelp magsagot ng summon. Declared your salary is under 10k a month so they would help you. Never ako umatted ng hearing pero yung PAO lawyer ko umaattend. So now nagaantay na lang ako ng rulings ng court. 

Nakaipon na ako ng pambayad. Never akong nakipagnegotiate sa mga CA. Nanakot sila. Ang gawen nyo sa mga emails nila. Iforward nyo sa "[email protected]" tapos icc nyo yung email sender. Sabihin nyo, dear BSP please see below harrasment from achuchu law office. Titigil sa kakaemail mga yan.

Then last April 2018 yata or 2019 itinaas sa 400k ang small claim court so yung civil case ko na sum of money waley na. Kapag nakapagfile na si bank ng civil case di na sila pwede magfile pa ulit ng another csse sayo. So since then i assume na wala na effect yung civil case ko kas under na yung utang ko sa small claims court. 2016 pa yung utang ko. 2020 na now. Nakaipon na ako pambayad. 

Kung ako sa inyo wag kayo matakot. Pumunta kayo ng baranggay nyo iplablotter nyo yung law firm kineme. Bawal sila mangharras.

Wag na kayo pumayag sa restructuring etc.. sabihin nyo file a case in small claims court or civil case sum of money para tatanan na nila kayo. Hahaha. Habang nagaantay ng result ng case nyo magipon magipon ng pambayad.

Wag kayo matakot kasi di kayo makukulong.

DON'T BE AFRAID.
Fear comes from the lack of knowledge sabi nga dito sa forum.

Oberin

PAGE 12 | FEBRUARY 8, 2020

Agapito said:

1. Bouncing Check Law para lang sa kaso ng fraud (nag-issue ng checke, wala naman palang pera). But kung naubos lang pera, Sum of Money pa din ang bagsak niyan.

2. Ignore text messages, email messages, or phone calls. Do not respond. Do not reply. Accept only Demand Letters sent to your house. If they come to your house, tell them you are bankrupt.

3. Lahat ng klase ng utang na hindi mabayaran, Sum of Money lahat yan. Hindi naman krimen yung naubusan ka ng pera pambayad ng utang. Sabihin mo lang naubusan ka ng pera. Or kinapos ka sa pera. Yun lang. Kahit maghapon at magdamag kayong magpilitan, wala ka namang isusukang pera. So bring it on. LOL

4. Hatol ng korte sa Sum of Money = 6% interest per annum, until fully paid. Pay when able. So bayaran mo after 50 years. Patay ka na siguro by that time. Moral lesson = Huwag magpapautang! Parati kang talo. Hindi na babalik ang perang pinautang mo. LOL

5. If your combined utang is P500k and above, and you have disposable possessions in life, just file for Bankruptcy if they sue you in Court for Sum of Money. With filing of bankruptcy, the Judge will erase all your debts, and you can no longer be sued again. The creditor will get nothing. Lawyers will not get reimbursed for their professional fees. So sad. LOL

Don't be afraid.

cps_1998

PAGE 22 | JUNE 04, 2020

goodnightpirate said:

@Sato123

Bouncing checks are checks which are returned by the bank because their issuers do not have sufficient funds on deposit. This term originated from the fact that a check is “bounced” back from the bank. Another term for it is “rubber check.”

In the Philippines, there are two laws which criminalize and punish the issuance of bouncing checks. The first is under Article 315 of the Revised Penal Code which punishes for estafa a person who issues a check in payment of an obligation when he had no funds in the bank sufficient to cover the amount of the check. The failure to deposit the amount to cover the check within three days from receipt of notice of dishonor shall be prima facie evidence of deceit.

The phrase “in payment of an obligation” “means that the check should not be issued in payment of a pre-existing obligation. When a check was issued in payment of a debt contracted prior to such issuance, there is no estafa. The reason for this rule is that deceit to constitute estafa should be the efficient cause of the defraudation. Moreover, when postdated checks are issued and intended only as promissory notes, there is no estafa.

The other law is Batas Pambansa Blg. 22 which punishes the acts of: (1) issuing a check to apply an account or for value, knowing at the time of issue that he does not have sufficient funds in the bank, which check is subsequently dishonored by the bank; or (2) having sufficient funds in the bank when he issues the check, by failing to keep sufficient funds to cover the check for which reason it is dishonored by the bank.

How can now these two laws be differentiated from each other?

The gravamen of B.P. Blg. 22 is the issuance of a check, not the payment of an obligation. This law has made the mere act of issuing a bouncing check a criminal act. B.P. Blg. 22 also does not make a distinction as to whether the bad check is issued in payment of an obligation. In view of the purpose of B.P. Blg. 22, the crime defined and penalized there is against public interest, while the crime of estafa is against property. Moreover, deceit is an element of estafa. This is not required under B.P. Blg. 22.

In terms of penalty, estafa under Article 315 is punishable by penalties of imprisonment ranging from 2 months to 8 years depending on the amount of the fraud. In the case of B.P. Blg. 22 the penalty shall be imprisonment of not less than 30 days but not more than 1 year, or by a fine of not less than but not more than double the amount of the check, which fine shall not exceed P200,000.00, or both such fine and imprisonment at the discretion of the court.

This article does not advise which remedy may be better to pursue since this is a matter that has to be decided in consideration of the circumstances of each case with the advice of counsel. It can be mentioned that Assemblyman Estelito Mendoza who authored B.P. Blg. 22 expressed the view that an offender can be held liable under both laws. He said that the “Supreme Court in several cases has decided that where there is a variance between the elements of an offense in one law and another law, there will be no double jeopardy.”

Have courage!

System

PAGE 15 | FEBRUARY 24, 2020

pabloexcobar07 said:

Share ko lang yung naging journey ko when it comes to being a cc defaulter. 

First time ko magkaroon ng cc was around 2006. I was new to work mga 22 years old ako. Citibank was the one who approved our application sa work ko that time. May kakilala kasi yung dati ko katrabaho and to be honest dati pa lang madaling maapprove ng cc dati. Yung landline na ginamit ko dati ay landline number ng katrabaho ko pati yung address na binigay ko ay sa kanila din. On my first year, nababayaran ko siya in full hanggang mag 1 year ang cc ko ay naincreasan ako ng cc to 35K. Hanggang sa dumating yung time na swipe na lang ako ng swipe at minimum amount due na lang ang nababayaran ko. 

Then 2008, nagkaroon ako ng opportunity to work abroad. Last quarter of 2007 eh hindi ko na binayaran ang cc dahil sa isip ko wala na akong pakialam sa cc ko dahil sa abroad na din naman ako magsesettle. So since 2008 hindi ko na siya pinansin, unfortunately, hindi naging successful ang fate ko working abroad so I returned to the Philippines in 2010. Until now walang tumatawag or nageemail sakin about Citibank, prolly yung address ko, contact numbers ay hindi naman talaga sakin. Pero since 2010, nahirapan ako mag apply ng regular cc laging declined sa mga banko.

Sinabi ko sa sarili ko, hindi maari to na ang pangit ng credit score/history ko so I tried to rebuild my credit score by opening a savings account sa Security Bank. Paunti unti ay nagssave ako dun at after 1 year ay nagapply ako ng Secured Credit card, at religiously ay nagbabayad ako ng full amount for 1 year. After 1 year ay naconvert siya into a regular card. Naapprove na din ako ng cc sa AUB at PNB. May existing loans din ako kay Security Bank at CIMB all I am paying in full. Naging responsible ako na payer until now.

Ang tanong ko ay may chance ba na nasa record ko padin ang Citibank delinquency ko until now? Gusto ko kasi malaman dahil one time ma tumawag sakin from Citibank pero diko nasagot, alam ko lang from Citibank dahil nakaregister yung number through Samsung. 

pabloexcobar07 said:

Gusto ko lang i-share ang journey ko to financial awareness.

2006 - Citibank approved me of a cc with CL of 30k. Some personal information that were provided ay hindi sa akin, like home address at landline number. May kakilala kasi kami dati na agent na nagpprocess ng application kaya na approve kami.

2007 - 1 year na almost full payment lagi ang ginagawa ko kaya nagka increase ng 5k ang CL ko. However, in the turn of events, I decided to try my luck abroad to work. So mga last few months of 2007 ay hindi ko na binalak na bayaran ang cc ko with Citi. There were times na may tumatawag from Citibank para iremind ako to pay kahit minimum amount due. Pero di ko sila pinapansin, although hindi pa naman maxed out ang limit ko nun. 

2008 - Umalis ako ng Phils to work abroad (Middle East), I maxed out my limit sa Citibank and never turned my back sa kanila. Hanggang sa wala na ako balita dun sa utang ko. 

2010 - Due to global financial crisis, ay napilitan akong bumalik ng Pilipinas dahil delayed ang sahod ko at puro utang na din ako dun. I started working again and tried to apply for CC but I always got declined.

2010-2017 - Wala talagang nagapprove sakin na kahit anong banks whenever I applied for CC. Hindi din ako natatawagan ni Citi kahit andito na ako. 

Late 2017 - I decided this is not good. I need to rebuild my credit score so I opened a savings account in Security Bank. 30k lang, at kahit paunti unti ay naghuhulog ako ng amount. Lahat ng sweldo ko dun ko tinatransfer para maging okay nag cash flow.

2018 - Nabasa ko ang tungkol sa secured credit card so I inquired kay SB at naglakas ng loob ako na ihold ang 80% ng savings ko para magkaroon ng cc. Ang main goal ko is hindi ang gumastos kundi irebuild ang aking credit score. Since this is auto approved, once I received the card I always make sure to use it whenever I know that before the cut off ay mababayaran ko siya ng full amount. At maliliit lang na purchases ang ginagawa ko. 

2019 - After 1 year of having a SCC at always paying in full and on time, they granted to have this converted into a regular cc at approved ng CLI from 24k to 40K. Na approve na din ako ng Personal Loan sa SB, CIMB at nagkaroon ng second card (Plat) sa SB. I was also approved of AUB CC though Easy card lang siya. May mga banks pa din na hindi ako na-approve like UB, RCBC, Robinsons Bank, at BDO!!! hahaha

2020 - Na approve ako ng PNB cc. Hindi ko pa ito ginagamit kasi wala naman ako paggagamitan. Lahat ng cards ko ngayon ay binabayaran ko ng buo at laging before due date at before statement date. 

Curious ako kung ano na nangyari sa Citibank cc utang ko. Maari bang erased na iyon sa aking credit history dahil more than 10 years na din iyon? May nabasa kasi ako na hanggang 10 years lang iyon nagstay sa ating credit history. 

Sa nangyari sakin ay masasabi ko ba na I have already rebuild my credit score and status? Ang saya ko lang kasi kahit may ilang cc na ako nayon hindi ko naiisip na magswipe ng magswipe at maging impulsive sa mga purchases. Lagi ko iniisip na kailangan ko ba ito? 

Sarap magshare ng ganitong journey.

Don't be afraid.

puuurita

PAGE 23 | JUNE 11, 2020

MJJulao said:

New member po ako...at TAMA nga ang kaibigan ko...maganda itong PEx community...kung masipag ka lang magbasa KAHIT hindi ka na magtanong NANDITO na ang SAGOT .... totoo nga ang kasabihang "Learn from others mistake!".... Ang mga parents ko, alam ko ang dami rin nilang PAUTANG at TULONG sa mga kamag-anak at kaibigan noong may negosyo pa sila dito sa Manila (dekada 80)... ang problema mga nakalista sa TUBIG... ngayon both of them ay nasa 70's na at nagpapahinga sa farm nila sa probinsiya... mabuti na lang kahit paano may SSS pension sila na kung nandito sila sa Manila hindi sila mabubuhay ng maayos sa pension nila. Mabuti na lang din ang parents ko decided to RETIRE sa farm sa province at kahit paano halos libre ang everyday food nila. Wala rin silang maintenance medicine kaya walang dagdag gastos (ay si Tatay pala may maintenance....TANDUAY DARK)...gasolina raw niya kapag nagtatrabaho sa farm. LESSONS I learned from my parents about money....1.hindi masamang tumulong sa kapwa pero MAGLAAN ka para sa sarili mo o sa pamilya mo (know your priorities) 2.bago magpautang, THINK ...nakakatulong ka ba o natoTOLERATE mo silang umasa na lang sa iyo kapag may kailangan sila?(LATE na nga lang pnila ito na-realize) 3.your health is your wealth(sabi rin iyan ng lola ko) 4.Prepare for your old age at baka paabutin ka doon ni LORD... (noon palang nandito pa sila sa Manila nag nenegosyo ay nag-iipon na sila ng pambili ng lupa sa province). 5.Huwag kang umasa sa mga anak mo na aalagaan ka nila pag tanda mo...PAANO kung hindi ka nila alagaan? paano kung ang mapangasawa nila MONSTER? paano kung ang maging buhay nila mas mahirap pa sa iyo...imbes na alagaan ka...sa iyo pa rin pala sila aasa? OPPPS SORRY mahaba na pala kwento ko....sana po may naiAMBAG ako sa usapan ninyo.... SALAMAT mga ka-PEx... GOD BLESS...PEACE!         

Courage!

puuurita

Agapito said:

Lahat ng tungkol sa utang mo sa credit card, bangko ang final decision kahit write-off man or hindi pa. Pag hindi approved ng bangko, then no deal. Ang pagkakaiba lang, pag write-off na, then hindi na importante sa bangko kung magkano yung ma-settle mo. Hinahayaan na nila yung collector na dumiskarte sa tawaran dahil commission niya ang nasa alanganin. LoL Okay lang sa bangko kahit 20% lang ang isoli mo dahil na-write-off na yan eh.

Magiging hands-off na ang bangko sa utang mo, kapag ang account mo ay binenta na ng bangko sa sino mang collection agency na gustong bumili ng mga accounts. Ang binibili dito ay ang 'right to collect' na merong 10 years na limit simula sa last payment made or last notice of collection.

Pag binili yan ng collection agency, male-maletang delinquent accounts ang laman, na barya lang ang binayad nila. So halimbawa P500 ang binayad nila sa isang maleta ng accounts, tapos sisingilin ka nila ng P35,000 kahit ang utang mo ay P300,000 tubong lugaw na sila. LoL

PAGE 45: AGAPITO
XXX

aprilalito

PAGE 63 | #1257 Post | March 10, 2021

gachaboy said:

Share ko lang tong nabasa ko
Source: DISKARTE (Guidelines on Credit Cards Paranoia)
Diskarte - The Booklet

Chapter I Meet Mr. Collector

He is usually a high school graduate who earns his living
on a no-collect ; no-commission basis, employing mainly:
1. Pretense ( lawyer/police/NBI,whatever)
2. Harassment
3. Blackmail
4. Extortion
5. Swindling
which are all CRIMINAL OFFENSES just in case you don't know yet

Chapter II Ways of Contacting You

1. Demand letters
1.a. Receive them. No big deal. You can even sign it front and back or left to right.
1.b Do not open. There are no good news there anyway, only lies. tapon

2.Text Messages
Para iwas stress, simply press 'delete'

3.Calls
3.a) Take the call. It can't kill you anyway.
3.b) Do not argue, plead or explain, so that the call will not take long.
3.c) "According to my lawyer, sa court na lang daw natin pag-usapan ito"
3.d) Stick to that line. simplify your answers to "yes" or "no"
3.e) Remember this sound - "click"
3.f) Huwag ma-pikon. " Tama ka" is standard reply para SIYA ang ma-pikon.

Chapter III The Lies Collectors Tell

The first lie is his name.
That is not the collector's real name.
So, why would you believe anything he says afterwards?


1.Court Case
They won't ; they don't ; they can't
Why would they'd be called "collectors" in the first place!

2.Imprisonment
Failure to pay means you promised, but did not fulfill it.
Its found under "Obligations and Contracts" of the Civil Code,
not in the Revised Penal Code, hence, not a criminal act.
This also applies to debts abroad like UEA.

3.Amnesty and Promos
Show me first the documents that he is legally allowed by the bank to do sobefore I believe him.

4.Travel Ban
You are not a criminal, what gives?

5.Getting Your Properties/Assets/Money/Salary
May court decision na ba?
Meron ka bang condo/Ferrari/Time deposits?
Plain robbery

6.Publishing Your Face
Have you ever seen one in a newspaper?

7.Warrants of Arrest/ BP 22/ RA 8484/ PNP/NBI/CIDG/INTERPOL
These words imply "imprisonment" ; now go back and read again if you missed anything.

Chapter IV Threats and Blackmails - Visits

1. Office
2. Home
3. Barangay

What for, Eskadalo?
ano ba usually ginagawa ng isang tao pag may mag-eskadalo sa kanya?
yun din ang gawin mo!


Chapter V How To Pay

1. Go to the bank personally
2. Ask for an updated Statement of Account
3. Review and request for waiver or reduction of charges
4. If there is an agreement, document it ; the start paying
If there is no agreement ( referred only to collectors),
wait for the court, if ever it will come.
5.The process will simply repeat again from steps 1 - 4

Chapter VI Worst Case Scenario

If the bank is serious in collecting from you,
matagal ka na dapat pina-tawag sa court.

Even if the bank files a thousand cases,
if you have no condo, ferrari or time deposit,
THE END


Chapter VII The Five Golden Rules

1. If you cannot pay, don't
2. Prioritize you need, not their greed
3. Disregard, delete, dedma.
4. Don't let them control your life, it's your life anyway
5. Dare their bluffs ; just for laughs?
(I forgot the last one. honest. ha..ha..ha..)

Chapter VIII Lessons Learned

1. Debt is a humbling, not a humiliating experience.
2. Forget the debt, not the lessons.

Maging matalino.

aprilalito

Baka po may nakaranas na ng gnito dito sa grupo, hingi po sana ako ng advise.. Thank u

hsuson

aprilalito said:

Baka po may nakaranas na ng gnito dito sa grupo, hingi po sana ako ng advise.. Thank u

Magkano ba utang mo sa BPI.

If you intend not to pay, disregard mo na lang.

puuurita

Aprilalito HM po due nyo sa BPI same po kasi yung problem ko medyo takot lng ako sa harassment ni CA kaya gusto ko sanang settle kaya kaya lng sobra naman yung tadtad ng charges 300k lng limit ko tapos biglang 410 daw eh yung 300 nga may interes na yung magrerequest ako ng payment arrangement papatungan ulit parang magiging twice na pinatungan ng interes kaya pinanghinaan ako ng loob na bayaran paunti unti. Paadvise po sir agapito o banker kung anung magandang gawin. Sa akin kasi mukhang hintayin ko na lng kung may offer si bpi na 50 percent o 80 percent discount.

markapinya

^Di ba BPI ang payroll mo? Best to move your payroll account dun sa bank na wala kang utang.

aprilalito

Dumating na po kasi sa 355k yung utang ko kasama na interest, gusto ko naman pong byaran yon khit pakunti-kunti kaya lang yong CA SP madrid, humingi sana ako ng arrangemnt sa knila pero 20k per mos yong dpat maging monthly ko, eh mas malaki pa sa sahod ko eh. 

aprilalito

CHinabank nmn yong pyrol ko. 2014  pa kasi yang card ko, good payer ako from 2014 to 2018 kaya palagi ng increase yong credit limit ko. Ginagamit ko kasi yan sa business, eh may ngpswipe skin na malaki pero hndi ako nbyaran, tapos yong online busines ko humina, nascam pa ako sa organico. Hanggang hindi na talaga ako nkabayad. Pero gusto kong mabayaran yon, kasi nbasa ko sabi ni banker at sir agapito pag sa court daw 6% P.A na daw ang hatol ng judge. 

puuurita

Yung case ko naman is nasa head office pa ng bpi collections for 3 months past due na.
Medyo complicated kasi yung sitwasyon ko kaya natakot ako sa mga CA.
Sana my maka tulong sa inputs to give a light sa akin.

Currently self employed ako sa own med clinic.

 Aside dito pumasok kasi ako sa isang financial institution, medyo maganda ang offer na position.

Ang siste pa nasa military ang husband and wala syang idea about it.

Ano ang worst scenario ng CA dito para po mapaghandaan na?

Ang root cause ng default is palpak na negosyo, medical crisis sa family, dami pa.

puuurita

Maapektuhan din kaya yung napipintong promotion ko sa financial institution?

Matatakot kaya ang ca na isama si husband sa panghaharass o mas madadalian sila na contact sya?

Been depressed for months kaya tumatambay dito though things are starting to get better, nagkakalakas loob na akong sagutin yung sangkatutak na tawag ni CA, isang sagot lng hindi pa kaya bayaran due to bankruptcy.

aprilalito

Ganon po ako dati sa CA takot ako makipag-usap kaya ngchange ako ng cp#. Don ako nag email sa bank ng arrangemnt pero ayaw nila irerefer na nmn ako ulit sa C.A. Pero hindi ko kaya yong arrangemnt nh CA ang laki ng interest.  Hindi nga rin alam ng husband ko ito dati akala kasi binabayaran ko yong cc ko. Pero laking gulat ko na doon sa kanyang pinagtrabahoan ntanggap yong summon kaya nagulat tapos sa amin pa nkapangalan kasi cya yong spouse, inshort damay tlaga ang husband natin mam puuurita.

Edil088

I recieve a letter from palis law office to settle my three card s rcbc all in 209k nagtataka lang ako kase un isa ddun currently hinuhulugan ko monthly bakit naisama dun
Nakalagay sa sulat na wag ko gagalawin account ko sa mga banko at wag magbebenta ari arian e wala nga ako pera sa banko at wala ako ari arian

Edil088

Sabi nun nagdala ng sulat mabait dw yan palid law opis makipag usap lang daw ako

That same day i recieve a txt na for file na bukas sa small claim un kaso ko

Baka dw po makatanggap ako notice

Edil088

Sa ngaun totally bankrupt ako ano gagawin ko po

hsuson

Tell that to the judge sa Small Claims court.