Home PEx Business and Careers Personal Investing and Money Management

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

1484951535460

Comments

  • Max_BuwayaMax_Buwaya PEx Influencer ⭐⭐⭐
    bebushark said:
    Update: Today may nareceived ako na text msg from home credit. Kakairita lang is pati char reference ko nasendan din ng text. Pwede sana mag complain regarding that kasi anu naman kinalaman nila sa utang ko. Yung mama ko na stress sa text at nagalit kasi bakit hindi daw ako stress. Lol. Sabi ko nalang andyan nayan. Hirap na nga ngayon sa pera tapos proproblemahin ko pa yan. 


    replyan mo na ikaw din mismo ang kapitan ng barangay eh, so paano yun :lol:
  • MLacusMLacus PEx Rookie ⭐
    cps_1998 said:
    MLacus said:
    Ito na mga CA naglabasan na. Ung MCC Visa ko na 170K credit naging 475K na raw. Actually hindi ko na maalala talaga principal ko since puro monthly ako at nung last check ko tapos ko na installment. Nag accumulate ung finance charges at dahil puro minimum, umabot ulit ng 160k, binalance convert ko nung Aug 2020 pero hindi kinaya at nadefault naging due immediate 300k+, ngayon sa SP madrid nasa 400K+
    Lump sum discounted offer nila 295k. Kapag go raw mag down akong 10k ngayon.

    Buti na lang daming advise rito kung paano ihandle. 1k na nga lang pera ko wala pa sahod kayo hindi pa kaya talaga.
    Hahaha, expire na bayanihan act 2 kaya tuloy ang pananakot ulit.
    Kung tutuusun sobra sobra na bayad mo, yon nga lang wala sa oras at utal utal kaya lumaki sa interest, para sa kanila legal charges kasi. Wala tayo magawa. 
    Kaya nga po sir e. Kung mag file sila ng case kasi more than 400k na, magrequest nga ko sa kanila ng breakdown nung utang ko makikita run puro interest na lang matagal na bayad ung principal. Alam ko mali ako kasi puro mininum lang ako saka legal na mag charge sila :( Sana mag offer na lang silang discounted amount ung hindi 200k hahhaa
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    MLacus said:
    cps_1998 said:
    MLacus said:
    Ito na mga CA naglabasan na. Ung MCC Visa ko na 170K credit naging 475K na raw. Actually hindi ko na maalala talaga principal ko since puro monthly ako at nung last check ko tapos ko na installment. Nag accumulate ung finance charges at dahil puro minimum, umabot ulit ng 160k, binalance convert ko nung Aug 2020 pero hindi kinaya at nadefault naging due immediate 300k+, ngayon sa SP madrid nasa 400K+
    Lump sum discounted offer nila 295k. Kapag go raw mag down akong 10k ngayon.

    Buti na lang daming advise rito kung paano ihandle. 1k na nga lang pera ko wala pa sahod kayo hindi pa kaya talaga.
    Hahaha, expire na bayanihan act 2 kaya tuloy ang pananakot ulit.
    Kung tutuusun sobra sobra na bayad mo, yon nga lang wala sa oras at utal utal kaya lumaki sa interest, para sa kanila legal charges kasi. Wala tayo magawa. 
    Kaya nga po sir e. Kung mag file sila ng case kasi more than 400k na, magrequest nga ko sa kanila ng breakdown nung utang ko makikita run puro interest na lang matagal na bayad ung principal. Alam ko mali ako kasi puro mininum lang ako saka legal na mag charge sila :( Sana mag offer na lang silang discounted amount ung hindi 200k hahhaa
    Habang mainit init pa sila maningil hindi pa yan magoffer ng discount, hayaan mo lang lalamig din yan kung wala sila mapiga sayo. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!


  • MLacusMLacus PEx Rookie ⭐
    Naglalabasan na promo ng CA. Pero mataas pa sa akin hahaha. 250k na raw akin sa SB pero 227k lump sum na lang daw. Pass! Wala pang pambayad.
  • AgapitoAgapito PEx Influencer ⭐⭐⭐
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!



    Citibank also sends text messages like that. They also have robot callers too.
  • kyreskyres PEx Rookie ⭐
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!


    may hindi ka rin ba nabayaran sir cps?
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    MLacus said:
    Naglalabasan na promo ng CA. Pero mataas pa sa akin hahaha. 250k na raw akin sa SB pero 227k lump sum na lang daw. Pass! Wala pang pambayad.
    Mataas pa yan, kung baga sa mangga Hindi pa yan hinog. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Agapito said:
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!



    Citibank also sends text messages like that. They also have robot callers too.
    Haha mas high tech si Citi may mutiple choice pa, A. If already pay B. If will pay in next few days (limot ko na exact word)
    Si HSBC may robocall din 2019 pa. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Agapito said:
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!



    Citibank also sends text messages like that. They also have robot callers too.
    Haha mas high tech si Citi may mutiple choice pa, A. If already pay B. If will pay in next few days (limot ko na exact word)
    Si HSBC may robocall din 2019 pa. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    edited January 15
    kyres said:
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!


    may hindi ka rin ba nabayaran sir cps?
    Nagbayad ako sa mismo due date thru Gcash, 2 to 3 days pa kasi ang posting of payment. Paglampas ng 1 day hindi pa nagpost may robocall na, pero wala sya finance charge at late fee kung meron automatic reversal din sa SOA, payment date kasi ang basehan. 
  • MLacusMLacus PEx Rookie ⭐
    Kaya nga e sana hindi muna sila mag file ng case, bigyan  muna kong time hahaha. 
    Mas masarap sa feeling na alam mo napano handle ung mga CA. Hindi na ko nagpapasindak sa kanila. At hindi na rin ako aligaga kakahanap saan magloan pambayad ng utang. Never again hahaha
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    MLacus said:
    Kaya nga e sana hindi muna sila mag file ng case, bigyan  muna kong time hahaha. 
    Mas masarap sa feeling na alam mo napano handle ung mga CA. Hindi na ko nagpapasindak sa kanila. At hindi na rin ako aligaga kakahanap saan magloan pambayad ng utang. Never again hahaha
    Lalo ka lulubog sa pagloan, kung hindi sila magfile ng case magooffer sila ng discount soon mas malaki ang chance ni ca may masisingil sayo, kung mag file naman sila ng case wala sila assurance kung kailan ka magbabayad. Hehehe
  • kyreskyres PEx Rookie ⭐
    cps_1998 said:
    kyres said:
    cps_1998 said:
    Hahaha, may patext na nayon, paranoid na mga bank nayon sa mga hindi nakabayad!


    may hindi ka rin ba nabayaran sir cps?
    Nagbayad ako sa mismo due date thru Gcash, 2 to 3 days pa kasi ang posting of payment. Paglampas ng 1 day hindi pa nagpost may robocall na, pero wala sya finance charge at late fee kung meron automatic reversal din sa SOA, payment date kasi ang basehan. 

    Ah un robocall pala ng ibang bank
  • MLacusMLacus PEx Rookie ⭐
    Nabuhay na naman sila.
    Numg December nasa 240K na raw,
     Ngayon ibang CA na naman. Dedma muna walanv pambayad

    "This is with regard to your UNIONBANK [Visa Card/ MasterCard] account with outstanding balance amounting to Php. 429308.8 We deemed your obstinate failure and continued refusal to settle the aforementioned as evident bad faith and lack of intent to settle amicably. In this regard, please expect a personal visit at your residence to be conducted by our legal officer(s) to discuss this matter personally. Note: If payment has been made kindly disregard this SMS and provide the details of payment."
  • Hi mga Sirs.
    May natanggap po akong email from rgs recovery Atty Roberto Ultado

    Nasa kanila ung UB ko naging 420k last week 240k. Principal 140k.

    Dapat ko po bang replyan ito sa email ko? Na wala pala kong pambayad? Thank  you po.

    Pursuant to Unionbank’s Terms and Conditions Governing the Issuance and Use of the Credit Card, provides that failure of the Card Member to pay even the Minimum Amount Due up to the next billing cycle shall constitute “DEFAULT”. In which case, the Total Amount Due shall become due and demandable without need of notice or demand.

     

    Therefore, formal demand is now being made that you pay the total outstanding balance within five (5) calendar days from the date you receive this letter. Should you fail to comply, we will be constrained to use any and all legal means at our disposal to collect the total outstanding balance owing your account. We will also recommend to our client the filing of the appropriate criminal and/or civil case in the proper court of law, without further notice and as the circumstances may warrant.

     

    Please note that incase of court filing, you will also be liable for attorney’s fee, collection fees and other litigation expenses. Your spouse shall be jointly and severally liable for all the availments, advances and charges made using the Credit Card. This is without prejudice to the inclusion of your spouse, if any, as mandatory party defendant upon filing of a civil collection case in court, pursuant to Rule 3, Sec.4 of the Revised Rules of Court.

     

    We respectfully suggest that you treat this matter with the utmost urgency and settle the total outstanding balance due on or before the 5th calendar day from the date of this letter.

     

    FOR EXTRA-JUDICIAL SETTLEMENT: Cash payment should be over the counter through any branches of Union Bank of the Philippines, Inc. (UB) or any accredited payment facilities only.

  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    May t&c ka pa hehehe, paki backread nalang. 
Sign In or Register to comment.