These are some of the initial comments I got for 2009.

It's all about

VISITS(again!) I thought it might be timely to update and republish
our 7/08 Chapter.
Case No. 1
ocianne said...
hi banker,
happy new year! although mine was not so great. problema din sa CC. sometimes i
feel like killing myself kasi sobrang baon na ako sa utang sa mga credit cards na
yan..... kasi nahihiya talaga ako pag may CA na pumupunta sa bahay at ang kasama
namin ang minumura mura e.
Case No. 2
may nagpunta n rin d2ng babae s bhay nmin n tga molaer at nag
occular din pra nmn s bankcard cc ng misis ko
Case No. 3
Anonymous said...
...ang kulit banker nabwiwisit na ko pumunta ba naman sa bahay buti na lang tinago
ako ng mga father ko ito pa nag worry banker baka biglang pumunta sa work area
ko na skul nakakapraning, ano ba dapat kung gawin pag nagpunta? at makita ko...
Trespass to dwelling
Art. 128. Violation of domicile.
any public officer or employee who, not being authorized by
judicial order, shall
- enter any dwelling against the will of the owner thereof
- search papers or other effects found therein without the previous
consent of such owner, - having surreptitiously entered said dwelling,
and being required to leave the premises, shall refuse to do so.
Crimes Against Security
Art. 280. Qualified trespass to dwelling
Any private person who shall enter the dwelling of another
against the latter's will. by means of violence or intimidation
PENALTY
Minimum 2 years, 4 months and 1 day maximum of 6 years
and a fine not exceeding 1,000 pesos.
Bail required P12,000.00
You have the right to refuse entry to anybody, especially collectors.
Ask them WHAT IS THEIR BUSINESS ( more often mag-dala lang ng 1/4 piece of
paper yan)
If they request entry, ask for:
1.Their authority from the supposed collection agency
2.Appointment of their Collection Agency from the bank

3.Board Resolution of the bank authorizing such appointment

marami pa - ID,Statement of Account duly signed by authorized
signatory of the bank,etc.and etc.
Normally WALA silang maipakita. Conclusion? they are just there to harass you and
milk money from you and its EXTORTION/FRAUD/ESTAFA/DECEIT:
Revised Penal Code states :
..By means of any of the following false pretenses or fraudulent acts executed prior
to or simultaneously with the commission of the fraud:
(a) By using fictitious name, or falsely pretending to possess power, influence,
qualifications or imaginary transactions, or by means of other similar deceits.
(b)By inducing another, by means of deceit, to sign any document.
Art. 318. Other deceits.
any person who shall defraud or damage another by any other deceit not
mentioned
Penalty? why, kulong, of course!
CALL THE POLICE. its time to turn the table against scammers.
see Office Visits here:
http://failuretopaycreditcard.blogspot.com/2010/08/office-visits.html
Posted by Banker at 3:23 AM
111 comments:

1.
EJThursday, July 24, 2008 at 2:29:00 PM GMT+8
Be it a reminder to all collectors and trespassers:
1. As per Philippine laws, pag kayo nabaril dahil nag-trespass kayo sa isang bahay,
LIGTAS ang may-ari ng bahay sa demanda.
2. Pag kayo nag-occular o nagmanman secretly, discretely, or against the will of the
owner of the house, you can be sued for INVASION TO PRIVACY and/or
TRESPASSING. Even for taking a picture of a house without the permission of the
owner, YOU ARE LIABLE.
3. Bakit kayo nago-occular? Without court order, DI RIN NAMAN NINYO MAKUKUHA
ANG LAHAT NG MAKITA NYO SA OCCULAR! Huwag kayong magpakilalang SHERIFF

kasi alam namin dito na ang SHERIFF representante yan ng KORTE at HINDI NG
AGENCY NINYO na gusto ding kumita.
4. Nawalan kami ng SAPAT NA KITA kaya kami hindi nakabayad. At the time we used
our credit cards, we found it manageable to pay our dues. Banker is right when he
points out that an "immoral debt" is a different story.
5. DO NOT ACT as if you are the bank. We know that even if the banks have written
off our debts, YOU WILL NOT STOP COLLECTING.
6. Your harsh collection practices are the reason WHY YOU ARE BEING IGNORED. If
you only employed a more professional approach, WE WOULD CHOOSE TO TALK TO
YOU.
7. TANUNGIN NYO MUNA SARILI NYO kung wala ba kayong mga utang BAGO NYO
KAMI MURAHIN. Kasi kung pareho pala tayong may utang din, pag mumurahin nyo
kami, WE WILL GLADLY RETURN THE FAVOR.
8. Lastly, WE DON'T INTEND TO RUN AWAY FROM OUR OBLIGATIONS. Pag meron na
kaming maitabi PAGKATAPOS MAKAKAIN, sino bang di gusto magbayad? However,
we would like to talk to the banks AND NOT YOU, COLLECTORS. Even the bank itself
apologizes for your RUDE practices.
Reply
Replies
1.
mirvinsjMonday, April 23, 2012 at 6:58:00 PM GMT+8
Super Like!
2.
AnonymousFriday, August 10, 2012 at 7:37:00 PM GMT+8
tama, barilin nyo yang mga pu.....na na yan pag nag pumilit pumasok, pag minura
kayo murahin nyo rin ng 2 beses, o kaya puntahan mo sa opis nila at dun mo
hamunin ng suntukan...tingnan lang natin kung lalabas ng opis nila yang mga yan.
Reply

2.
theKOOKIEandtheIYAThursday, July 24, 2008 at 2:35:00 PM GMT+8
hi banker!
Your site is very helpful.. I accidentally discovered it today while searching sa
meaning ng CREDIT ESTAFA which a certain Mr. Charlie blah blah ang citibank
threaten to file a case daw against me for missing my credit card due for merely two
months..
Since it is my first credit card medyo kinabahan ako talaga.. he is asking for like
5,000 pesos to be settled daw within 1 day or else..
Theres no way i can scrimp up P5000 in just 5 hours he will be calling me before the
bank closes kung nakapagsettle daw ako...
i guess after reading your whole blog i would just have to say wala talaga akong
pambayad. At hihintayin ko nalang ang Credit Estafa ko whatever!!
Mabuhay ka Mr. Banker =)
Reply

3.
BankerThursday, July 24, 2008 at 2:45:00 PM GMT+8
ej,
if you wish I can set aside a chapter exclusively for your thoughts. You write well!
theKOOKIEandtheIYA,
there is no such thing as credit estafa in the law books. ^-^

Reply

4.
ms. hopefulThursday, July 24, 2008 at 2:46:00 PM GMT+8
you have said it right and complete, nawa maintidihan ni kolektor at ni anonymous.
wala kaming baril pero may aso kami dalawa at di pa nainjection ng anti rabies,
naku wag silang pumunta sa bahay kasi baka kagatin sila, mahal pa naman ng
gamot at injection.
Reply

5.
theKOOKIEandtheIYAThursday, July 24, 2008 at 2:46:00 PM GMT+8
Hi banker,
Hayyyyy Hulog ka ng langit..
I accidentally stumbled upon your blog while desperately searching for the meaning
of CREDIT ESTAFA which a Charlie Blah-Blah from Citibank threatened to file against
me for missing my credit card due for merely two months.
Medyo kinakabahan padin ako kasi 1st ever credit card ko eto. He is asking me to
pay up like P5000 within the day. Sa isip ko lang it is impossible for me to scrimp
P5000 in such short notice!
Sya na nga ba si dreaded COLLECTOR?? whew.. whammy kasi pag sya na nga ill
have the time of my life mamaya habang kausap sya (nakakatakot kasi boses nya
sa phone bwehe)

thanks ulet sayo banker at least nawala ang stress ko kakaisip ano nga bang
magiging kaso ko..
Mabuhay ang blog na eto =)
Reply

6.
BankerThursday, July 24, 2008 at 2:52:00 PM GMT+8
theKOOKIEandtheIYA,
your civil case would be for " Sum of Money"
but dont worry. takutin ka lang becoz
They wont; They dont ; They cant
Reply

7.
ms. hopefulThursday, July 24, 2008 at 2:56:00 PM GMT+8
to ej again,
can i post your comment to my blog,with proper acknowledgement.ok lang, galing
kasi ng comment mo. i find it very helpful
Reply

8.

theKOOKIEandtheIYAThursday, July 24, 2008 at 3:02:00 PM GMT+8

wala bang credit estafa banker? ay, kaya pala walang lumalabas sa search ko sa
google.. akala ko wrong spelling lang yung es-ta-fa ..
thanks ulet =)
Reply
9.
miss praningThursday, July 24, 2008 at 5:27:00 PM GMT+8
six cards,
idol tlaga kita hehe. nice comment, :)
Reply

10.
EJThursday, July 24, 2008 at 6:46:00 PM GMT+8
hi Sir Rene/banker,
It would be my utmost pleasure to see my thoughts as a chapter on your blog.
thanks ever so much for the recognition. I think I still had a lot of comments on your
previous posts, remember the threat of arrest na kamuntik ako mabangga while
driving, ako po un (Six Cards).
Mejo magkakalaman na rin po siguro ung chapter natin. I'll e-mail you po(we've
been talking dati) to confirm, so that at least you can solicit more comments from
me, need be. Looking forward po! :)
To Ms. Hopeful, we've been communicating din yata sa e-mail. Yes, feel free to
extract my comments and post it on your blog.
Mabuhay po! :)
Reply

11.
EJThursday, July 24, 2008 at 6:58:00 PM GMT+8
Guys, FYI, I found out about this when I visited a friend living close to my previous
rented place (the first of my three houses).
i was told that "Citibank" was harrassing the new occupants of the house that I first
rented - the address that I registered at Citibank. I did not renew the contract of that
house, but apparently, the phone number, even if I've had it canceled at Citi when I
was still in good standing, ginagamit pa rin ng agencies to harrass the the new
occupants.
It so happened naman na pulis (Major) ang new occupant, together with his family.
They were so disturbed by the harassment kasi minumura sila ng kolektor na
nagpapakilalang Sheriff.
So the Major (he was so pissed din kasi MAY NAG-OCCULAR)threatened the agency
na pag sila nagpakita pa sa bahay nya, uubusin nya sila at raratratin nila ng mga
tao nya. Yes, he and his men did wait one whole morning, the day mentioned in the
call. Pero walang dumating.
Aparrently, after the threat was given, these guys stopped.
Hay! :)
Reply
12.
new daddyFriday, July 25, 2008 at 11:01:00 AM GMT+8
boss ej..
patirahin na rin kaya namin sa bahay namin yan s major!..
hehe
Reply
13.
singlemomFriday, July 25, 2008 at 4:53:00 PM GMT+8

I have the same experice with EJ. I moved out from the 1st house I've rented
(actually, studio type na room lang un) for more than a year na. It so happened I
was not able to change the billing address of my cards (fortunately or
unfotunately?). Anyway, when I visited my previous landlady she said that there
were some people who came to visit them and asked about me. My previous
landlady told them that I've moved out already tapos kinuha nila name ng landlady
ko or kung sino man ang makausap nila. Some of them (collectors or messengers)
naman, just threw the letters at the gate bcoz they were informed already by my
previous landlady that I am no longer staying there and they refuse to receive the
letters.
Nahiya naman ako sa previous landlady ko bcoz of this incidents.
Baka pati cla maharass din.
Banker, ano po ba mangyayari kung di nila ako mahagilap?
Reply

14.
BankerFriday, July 25, 2008 at 4:56:00 PM GMT+8
singlemom,
they will "move on" just like you.
Reply
15.
AnonymousFriday, July 25, 2008 at 10:34:00 PM GMT+8
Need everybody's advice:
Early this year, I entered into an agreement (via telephone) with a collection
agency/law firm to settle my long-standing credit card dues.
Ang kaya ko lang po ay 1k per month at mukhang acceptable naman sa kanila dahil
every month ay ina-acknowledge nila ang receipt ng aking deposito.
Last month, may sulat ang vice president ng credit card company, sinisingil ako sa
bouncing checks na previously issued, na ngayo'y akin namang sinusubukang isettle kahit paunti-unti.

Tapos, may ibang law firm na sumulat sa akin at ipinapasagot sa akin ang bouncing
checks.
I reported this to my handler/account officer, who told me that I should disregard
the bouncing checks-related demands altogether, since I am already in agreement
with their agency/firm.
Besides daw ay 2004 pa ang mga checks na ito at ang dapat kong sundin ay ang
aming current agreement.
Recently, my handler's agency/firm stopped communicating with me. Sabi eh
automatically tinanggal na sa jurisdiction nila ang account ko at may iba pa akong
standing loan sa same bank, which I really don't have.
Ayaw na rin akong kausapin nu'ng handler ko. The last time we talked, the handler
made me think that there was going to be a case filed against me.
Ano po kaya ito, for the bouncing checks I issued a long time ago, but which I am
trying to religiously replace through the current agreement?
Ano po ang dapat gawin dito, gusto ko pong ituloy na magbayad hanggang fully
settled ako, pero sino ang tatanggap ng payments ko kung wala naman na ang
aking account officer?
In case kasuhan ako, paano ko sasabihin na wala naman akong intention to defraud;
in fact, regular na nga ang payments ko kahit mas maliit ito kaysa sa dine-demand
sa akin?
Please help me, I am really confused. To be fair, ang galing nilang mag-torment ng
mga tao.
Ano ba'ng action laban sa ganito na ginugulo ng kung sinu-sino ang standing
agreement? Lalo pong naco-complicate ang situation.
Meron na po bang natulungan ang regulating bodies ng gobyerno tungkol dito, kung
meron nga talagang regulating bodies ang gobyerno?
My immediate concern is to continue paying, so I won't be faulted for reneging on
my obligation.
Please help me.
Thanks and bless us all.
Reply

16.
sunburstFriday, July 25, 2008 at 11:53:00 PM GMT+8
Hi sir banker!m so hapi tlg na npgwi ako sa blog nato.I myself also suffered the
same fate with others.got 2 cc both from the former pcibank since 2o04.when
"famine" hits us i called the bank n told them to just cut off n lang my cards then il
just pay ung kaya ko lang.d cla payag kaya i stopped paying n lng since
Aug.2006.ayun leftnryt dn calls n pnnkot sakin.Nplitan n lag tlg ako pay kc sobrang
lumobo na int.Ung isa from 70t naging 136t agad n d ader one from 90t naging 160t
agad.honestly lam mo banker kung san ako ntkot?dun sa SOA ng collection agency
cum lawyers kuno kc from 136t naman from the bank naging 236t s knila n from
160t from the bank naging 260t s knila.Pay n lang dn po ako halos maloka ba
naman ako kaiisip n bka makulong ako pano n lang mga kids ko.Again i started
pying 5t each card startng April 2007.Nung nwala ang pci la na rin akong narrcv na
SOA from the bank since then.pero pay pa rin po ako tg 1t mo. til last june kc cge pa
rin po pdala ang arteche etc... sakin as well as calling tru r landlines n my cp.Until i
saw ds blog of urs sir.Knina calln txt n nman po sila do i have to pay pa rin po ba
khit ala nako SOA kc nga ala ng pci?Wat wud b the precise word para d na nila ako
guluhin pa?help me pls sir...
Reply
17.
sunburstFriday, July 25, 2008 at 11:57:00 PM GMT+8
Hi sir banker!m so hapi tlg na npgwi ako sa blog nato.I myself also suffered the
same fate with others.got 2 cc both from the former pcibank since 2o04.when
"famine" hits us i called the bank n told them to just cut off n lang my cards then il
just pay ung kaya ko lang.d cla payag kaya i stopped paying n lng since
Aug.2006.ayun leftnryt dn calls n pnnkot sakin.Nplitan n lag tlg ako pay kc sobrang
lumobo na int.Ung isa from 70t naging 136t agad n d ader one from 90t naging 160t
agad.honestly lam mo banker kung san ako ntkot?dun sa SOA ng collection agency
cum lawyers kuno kc from 136t naman from the bank naging 236t s knila n from
160t from the bank naging 260t s knila.Pay n lang dn po ako halos maloka ba
naman ako kaiisip n bka makulong ako pano n lang mga kids ko.Again i started
pying 5t each card startng April 2007.Nung nwala ang pci la na rin akong narrcv na
SOA from the bank since then.pero pay pa rin po ako tg 1t mo. til last june kc cge pa
rin po pdala ang arteche etc... sakin as well as calling tru r landlines n my cp.Until i
saw ds blog of urs sir.Knina calln txt n nman po sila do i have to pay pa rin po ba
khit ala nako SOA kc nga ala ng pci?Wat wud b the precise word para d na nila ako
guluhin pa?help me pls sir...
Reply

18.
BankerSaturday, July 26, 2008 at 7:50:00 AM GMT+8
sunburst,
say the magic words " Sue Me"
dont just rely on verbal arrangements. do it in writing.
dont trust.
Reply
19.
AnonymousSunday, July 27, 2008 at 8:02:00 PM GMT+8
hi banker...
its been 2 months or three nung last post ko...di na ko gaano nakakabasa ng blogs
mo kc naputol na internet ko..hehe
just this moring,,,me pumunta daw sa bahay ng mommy ko,,kc un permanent
address ko saying he is from metrobank,,nag uupdate lang ng files ng clients...he is
polite nad all,,kaya lang faurd pa din,,,binilin ko na kc sa mommy ko to ask for an
official id,,,when did that nagcram daw,,didn't know what to say,, nagpakiklala
joshua daw but doesn't have a surname,,, my mom is quite old so she told him to
write his complete name if he doesn't have an id,,di na daw bale,,he just left a
number to call ko daw..after reading ung bawal pumasok,,naenlighten po ako..what
a relief,,desperado nga sila,,,kaya lang nakakhiya din kc baka kung ano ano ang
pinagsasabi nun sa bahay,,eh medyo respetado po kami sa community,,lalo na
mommy ko,,and another concern is may sakit sa puso mommy ko,,, is thre anthing i
can say to them,,they are responsible for their actions,,baka may mangyari sa
mama ko kakaharass nila... what do you think po...i am thinking to call them early
bukas to point out to them that if they continue harassing my mom and somethign
happens to her,,they will be liable... can i do that..tnx po
sori po,,i forgot my password,,kaya anonymus nalang po muna
trish po...
Reply

20.
BankerMonday, July 28, 2008 at 5:23:00 AM GMT+8
trish,
calling them is pointless.
just tell your mom not to worry.
next time, call the police na lang.
Reply
21.
mighty_miteWednesday, November 26, 2008 at 5:43:00 PM GMT+8
Hello Sir Rene..I guess it was an answered prayers that I came upon your blog.
You see just a while ago, I received a text message na may nakafile na raw na civil
case against me. But wala namang info kung sino nag send or san landline ako
tatawag to verify (or beg?).
Prior to this, a collecting agency na just a block away from my house came and
gave me an amnesty letter.
Knowing masama rin naman po talaga di magbayad ng utang and to clear my
conscience, I would like po sana to settle this matter in a manner na "win-win"
situation kami pareho ng bank (i mean po, sa paraan na kaya ko lang mabayaran at
the moment.)i entertained the two ladies sa house and i honestly told them my
situation, im unemployed, blah, blah, blah..halos talagang magmakaawa ako na
pumayag kahit 500.00 a month lang ang bayaran ko (my outstanding balance raw is
36,000.00 but when i received a bill again from the bank it was for only 26,000)
bibigyan raw nila ako ng palugit they'll suggest to the bank to give me atleast a
month to settle my credit limit of 15,000 nlang raw. But I begged for atleast 2
months para makahagilap ako ng said amount. It was saturday. Monday came and
boy I was surprised, when their big boss wrote a letter that i have to settle the 15T
in TWO days!! na praning po ako, naintindihan ba nila situation ko.I know my
obligation, and Im willing to pay but hindi ganun kalaki. It was my hubby's
suggestion to check sa business permit bureau kung registered nga sila, and i was
surprised again na nagooperate pala itong collecting agency, without a business
permit (was it legal for them or not? the bureau suggested that I file a complaint
against the collecting agency but ayoko na ppo na gulo at sakit ng ulo). Im not sure
if na visit na sila from the bureau of permits from the city hall, but i guess natakot

rin sila kasi tinigilan na nila ako but then i guess pinasa naman nila sa iba ang info
ko. So i have to stick again to the harassments of this Domingo & Molaer group.
Hay, please pray for me, ayoko po ma-stress since I'm on my last trimester of
pregnancy.
Thank you po, kasi you've came up with this blog..siguro my son in heaven guided
me to you. God bless.
PS. and yes, I'm with you in sharing my blessings to underprivileged kids..til my
next visit from this new group.
Reply
22.
SiopaomanSunday, January 11, 2009 at 1:29:00 PM GMT+8
Hi Banker and to all Blog followers.
1 lang ang card na problem ko as of now pero 80 thousand pesos na outstanding
balance , So as a resulta. di na kayang bayaran. minimum amount lang parati. so
hirap na. daig ko pa ang butas na alikansya.
nagpaparestructure ako kung ano ano sinasabi sa customer support. gusto payment
in full. HELLO wala ngang pambayad eh.inuubos na nila sa interest.
More power to this Blog Salamat po and God Bless.
Reply
23.
AnonymousTuesday, January 13, 2009 at 12:54:00 AM GMT+8
Dear Mr Banker,
I received a text message from a CC Collector of Standardar Chartered bank.
Plaintiff (Standard Chartered Bank) vs Me. WARRANT OF SEIZURE has been released
under Judge Oscar Aguilar of MakatiMTC br 72 for violating the article 315 of the
revised penal code (ESTAFA) and RA 8484 (Defrauding of Creditors). YOU ARE
ADVISE NOT TO REMOVE, DISPOSE, SELL OR TRANSFER your real and personal
propeerties nor to withdraw your bank deposits or your salaries and wages. For
immediate withdrawal of the case we are giving you 24 hrs to coordinate with Atty
Percival Cendana at (02)4110100.
Is this legal warrant thru text?I received this text last Jan 7, 2009.Wal apa akong na
receive na letter from them.

Meron akong utang sa standard chartered bank nung nagki pag usap ako sa kanila
i'm asking for my balance showing the principal and then the interest for I haven't
used my CC more than a year. Nag total na sya ng 30k plus.
Please advise me what to do. Short ako sa budget ngayun may karapatan ba silang i
hold ang salary ko.
Please enlighten me.
Reply
Replies
1.
***CherzzzMonday, February 10, 2014 at 5:09:00 PM GMT+8
may ganyan din ako case sa HSBC di ko pinansin tapos nagpadala pa letter same
halos s txt nila di ko pa din pinansin kasi pinakita nila sakin ang legal n warrant..and
hindi daw gnun ang nilalaman nun parang invitation daw s isang court at nkasealed
un ng isang brown envelope n my snsabi a sila itsura ng sealed..and if u recive that
dapat magpunta ka..pero sabi nila wala pa nmn gumagawa ng gnun as per MY HR
Manager..
Reply

24.
BankerTuesday, January 13, 2009 at 5:23:00 AM GMT+8
a. A warrant of seizure is for unpaid taxes ;
b. Branch 72 is in Malabon
ayan, maniwala ka pa sa kalokohan nila?
press 'delete' and enjoy the day
it wont come back anymore.
Reply

25.
ms. hopefulTuesday, January 13, 2009 at 8:40:00 AM GMT+8
to anonymous(Tuesday, January 13, 2009 12:54:00 AM PHT)
hi,
we will appreciate it if you choose a name, to avoid confusion.
on your queries :
1. Is this legal warrant thru text? No, there is no such thing as that. hehe.
2. Please advise me what to do.
Follow the golden rules authored by banker , here it is :
Rule No. 1 If you cannot pay, dont
Rule No. 2 Prioritize your need ; not their greed
Rule No. 3 - Dont let them control your life. Its your life
anyway
Rule No. 4 - Disregard.. .delete...Dedma
Rule No. 5 - Dare To Fight Back ; Dare Their Bluff
3. Short ako sa budget ngayun may karapatan ba silang i hold ang salary ko.
answer : wala silang karapatan no,
unless you authorized them to.
go on with your life. worrying does not help you solve the problem.
lastly don't forget to give us a name.
Reply
26.
BluffalosoldierWednesday, January 14, 2009 at 12:24:00 PM GMT+8
hi banker,
Been reading your posts for quite awhile. Like everyone else here, I have been
receiving letters and 1/4 sheets from DMLO.
I just got off the phone with them so I questioned them about the so called ocular
inspection, and followed your instructions.(I'm not usually at home, just my dad
which is unfamiliar on what to do). I politely and discreetly made him feel i know the

rules (via ur guidelines).

I discussed with him what I think I initially owe the bank and he admits to that. He
claimed the outstanding bal he is asking me to pay off includes attorney's fee.
He told me if I could make a deposit of 2000, they will waive the interests and just
pay off what i really owe, and pay in increments. I'm not really comfortable about
that because it happened before (with a diff collections agency and before knowing
your blogs). I paid off 3,800.00 and it seemed it went up on air (with the continual
interests and all). But I asked him to send me the notice of the proposal. He said he
would and asked, "so are we settled on your deposit?" I belligerently said, "no, you
would have to send me that first, have it reviewed and then I'll call you and tell you
what I think about it."
If he would really sent me that notice out, can I just email you with the details and
advise me? From there, I am unsure what to do.
DMLO is the worst. Everyone else has given up except for this one. And tough that
they really are, I can't tell what else they can do to further rip me off.
Reply
27.
AnonymousWednesday, January 14, 2009 at 3:32:00 PM GMT+8
Dear Banker:
Good Afternoon, my problem is also regarding personal loan with citifinancial..are
you familiar with this? i have a term for 2 years, but then by now i have a delayed
for 3 months monthly due..pero by that every month meron akong payment kahit
mga 1000 lang..bakit ngayun may letter sila na final demand na if i cannot
pay..sheriff daw and kuha sila properties..what is this? ang monthly ko kasi is
3,086.00, but medyu nagipit...nag bibighay ako 1000...please advised...
snake.girl
Reply
28.
AnonymousWednesday, January 14, 2009 at 3:41:00 PM GMT+8
hi banker;
are you familiar with citifinancial? hindi siya credit card but personal loans...paano
po ito..can i also follow your advised same as cc.?
Reply

29.
ms. hopefulWednesday, January 14, 2009 at 5:00:00 PM GMT+8
hi anonymous and snakegirl,
am banker's volunteer staff,
loans with citifinancial is the same dealings with credit card debts, both are
unsecured.
i suggest you just follow the golden rules in dealing with your fears and worries.
join us in yahoo group and forum.
Reply
30.
AnonymousThursday, January 15, 2009 at 9:25:00 AM GMT+8
hi Ms. Hopeful..
thanks for replying in behalf of banker...i am very curious about you, becuase i know
we have the same situation..how can i join that yahoo? hehehe..please advised..
snake girl
Reply
31.
BluffalosoldierThursday, January 15, 2009 at 2:23:00 PM GMT+8
Hi Banker,
so, i finally got the proposal from a certain Leandro Gonzales, a claimed Legal
Officer of Domingo Molaer LO. The proposal says the usual, pay in increments. There
were affixed signatures but from an acct supervisor, and a name over the tag, "for
the firm" (when in question, Mr. Gonzales claimed that the name appeared thereon
is their lawyer--the signature does not show any PRC# or something to identify as a

legal lawyer). The letter did not come dry sealed nor notarized.
I called the number stated in the letter, and looked for Mr Gonzales. He does not
know one by the name and claimed baka sa ibang dept. He gave me another
number to call, ganon din. i called back then I started probing, "anong company po
ba ung tinatawagan ko?" "san po ba located to?" He said, ano ba sa tingin mo
tinatawagan mo?" Sabi ko, "Sir, nagveverify lang naman po, wag kayong magalit.
(hehehe). Then he quipped, "(mumbling) Domingo Molaer. me 500 employees dito,
di ko kilala hinahanap mo." E di sabi ko, "500 po ba? Andami pala. (Wow, parang call
center). E di sigurado me reception kayo o tel operator man lang?" As expected
binagsakan ako ng phone.
So finally nagsawa ako kakatawag, nag ring naman phone ko. Ayun, si Gonzales na.
Me nagsabi daw kase sa kanya me naghahanap sa kanya. Usap ulit.
I told him what I think is wrong (or right) about the letter. And as you have advised,
ask for SOA. They're showing I owe 50k, reduced to 40k, 10k difference pa din. Sa
kakahingi ko ng SOA, wala daw sila nun at di daw i iisue un ng bangko til the civil
case (accdg to him RA 8484) is filed for security and confidentiality purposes. E ako
na nga ang nagre request. At the end of it all, lumabas din sa bibig nya na 29k lang
naman talaga nagamit ko. We can settle with that amount kung mabibigay ko by
the end of the month. Musta naman?
E mas madali ata ipunin un at bayadan ng buo kesa magbayad ng doble. un nga
lang, nanggigipit sila sa time. Pero like he said, un ung due date nila sa bank, so
most probably malilipat ng ibang collections agency at panibagong amnesty
program ekek na naman un. And the letter states pa na it takes 1 month before
they can issue you the certificate of full payment.
Sorry po sa mahabang post, fresh pa kase ung paguusap namin kaya in full detail.
So banker, di daw nila mai issue ung SOA. I've read this before but need to double
check (ganon talaga pinoy, makulit, sorry na po!) should i do this in writing (req for
SOA) and send to the bank (or the law firm?) via registered mail?
Salamat po talaga.
Reply

32.
BankerThursday, January 15, 2009 at 2:38:00 PM GMT+8
If he cannot furnish you a statement of account, how does he know magkano utang
mo? saan pala nakukuha yun?
tell him to use his common sense.
you are collecting yet "confidential" ang amount? heheheh...pretty sutipd.

next time, no more verbal tussles.just let them do it formally - thru letters - and you
will do yours formally.
Reply
33.
Nervous LadyThursday, January 15, 2009 at 3:59:00 PM GMT+8
Hello Mr. Banker & Ms. Hopeful
Laking pasalamat ko po sa kaofficemate ko when she gave this blog to me. Nabasa
ko po halos lahat ng mga experiences ng mga cc victims. Talagang pong nareleive
po ako sa sobrang takot. In my case, everytime na may naghahanap sa akin thru
phone or may nagpupuntang ca sa bahay at office, i instructed our lobby guard at
mga tao sa bahay na sabihing wala ako o lumipat na ng bahay. Sinunod ko po ang
magic workd na "SUE ME". Ang nangyayari po lilipat lang ng ibang CA, then office
and house visit na naman ang bagong CA. Dasal ko lang matapos na ang pasa-pasa
sa different CA. May intention naman po akong magbayad kaya lang talagang gipit
na gipit pa rin ako. Sa tingin po ba ninyo mga ilang CA po ang dinadaanan ng isang
cc account?
Reply
34.
SophiaThursday, January 15, 2009 at 6:38:00 PM GMT+8
Hi Banker,
Your site has always soothed my fears and paranoia. However, I came across this
article regarding small claims court.
http://www.supremecourt.gov.ph/news/courtnews%20flash/2008/12/12050801.php
This is bad news for us right? They can actually make good on their threats of filing
cases now that it's more convenient for them? I'm at my wit's end. I lost my job and
am a single parent. I'm beginning to understand why people in similar cases are
driven to suicide. I do hope to hear from you. Can't think clearly anymore.
Reply

35.
BankerFriday, January 16, 2009 at 6:02:00 AM GMT+8
no big deal.
even if they file a thousand cases but wala kang pera/valuable properties, that's it.
try to visit our Diskarte forum :
http://diskarteforum.niceboard.net/legal-notes-f14/primer-on-small-claims-courtst40.htm
Reply

36.
ms. hopefulFriday, January 16, 2009 at 9:38:00 AM GMT+8
hi nervous lady,
am glad that we are able to help and comfort you in our small way,
on your query "Sa tingin po ba ninyo mga ilang CA po ang dinadaanan ng isang cc
account?"
hehe, wag mo nang bilangin kung ilan pang CC, maski libong CA, wlang magawa
kung wala kang pambayad. kaya go on with your life and apply the golden rules.
lastly join us in support group and in the forum.
Reply

37.
ms. hopefulFriday, January 16, 2009 at 12:03:00 PM GMT+8
hi snakegirl,
ngayon ko lang nabasa comment mo,
if you want to join the yahoo group, just click the link found on the side of the blog,
here is the link:
http://finance.groups.yahoo.com/group/failuretopaycreditcard/
Reply
38.
Nervous LadyFriday, January 16, 2009 at 2:05:00 PM GMT+8
To Ms Hopeful
Thank you very much for the reply. Actually po isa-isa ko na pong sinesettle lahat ng
cc ko without coordinating with ca, kaya lang yung iba pang cc di ko pa
nababayaran yun ang mga makukulit na CA. Ms. Hopefull, bayad ko na po yung 1 cc
ko sa bdo last sept. 2008 pa, up until now di ko pa rin narereceived ang certificate
of full payment at meron pa ho silang charge na 100 pesos for processing. I made a
lot of follow up for the certification. Sa ganito po bang case, pwede po bang
magsumbong sa BSP o san kaya pwedeng agency magsumbong sa bagal nilang
pag-issue ng certification
Reply

39.
ms. hopefulFriday, January 16, 2009 at 3:53:00 PM GMT+8

hi nervous lady,
magsumbong ka sa bsp at sa president ng bank.
am glad na nakakapag settle ka na.
Reply
40.
Nervous ladySunday, January 18, 2009 at 4:01:00 PM GMT+8
Ms. Hopefull
thank you again, i tried to email bdo thru their callcenter@bdo.com.ph, ito po ang
binigay nilang email address, still no reply po. alam po ba ninyo ang email add and
the name of the president of bdo?
Reply
41.
AnonymousTuesday, January 20, 2009 at 5:36:00 AM GMT+8
Hi Banker,
Your site is very informative. I also have problems with chinatrust loan. Nag loan ako
nung June 2005 thru my company. Amount is 34k only. The amortization deducted
to my payrol monthly is 656.71 only. When I received my payslip, I asked the
chinatrust bakit ganun lang yung amount, nagtaka din yung mga nakakausap sa
customer service kung bakit, pinapasa pasa lang ako sa ibang tao na di rin
makasagot sa mga tanong ko. The deduction went thru until aug08 when I asked
our hr to stop the deduction. Hindi rin nila alam bakit ganun lang yung amount kasi
nagresign na yung nagprocess nung loan ko. Nag follow up ako sa chinatrust,
napudpud na daliri ko kakatawag sa customer service (corporate division), i even
emailed them kasi when i called di nila ako masagot, hindi raw nila maacces and
data system nila kasi rebooked daw yung account ko. kung susumahin nasa 9k na
lang dapat utang ko pero sa kanila as of today nasa 35k na! Halos monthly may
nakakausap ako since nov08, babalikan daw ako asap after i explained the long
story. Until june08 na tinarayan ko yung chinatrust customer service kasi tawag sila
ng tawag sa office monthly, explain naman ako ng explain again and again. di
naman nila ginagawa yung hinihinigi ko. willing na nga akong bayaran ng buo yung
balance basta tanggal lahat ng interest, hayun, finorward nila yung account ko sa
collection agency. kainis, ako na nga itong willing magbayad, ako pa napipirwisyo.
wala na akong work ngayon, naninigil na naman yung bagong collection agency,
ano gagawin ko banker? - evie
Reply

42.
ms. hopefulTuesday, January 20, 2009 at 8:52:00 AM GMT+8
to nervous lady
please check our files in yahoo group. join us in yahoo group and in the forum
to evie,
ignore them, move on with your life.
posting here banker's advisory, in case you missed reading it
ADVISORY
I was advised to rest due to some medical problems. If you have specific queries not
currently addressed by the blog, please go to YOUR Diskarte Support Group Sites
Your SUPPORT GROUP
http://diskarteforum.niceboard.net/
http://finance.groups.yahoo.com/group/failuretopaycreditcard
Reply
43.
personalproblemTuesday, January 20, 2009 at 10:59:00 AM GMT+8
good morning banker
sir knina may nag txt sa akin regarding sa citifinancial personal loan ko sbi i publish
daw ang name ko sa leading newspapers for ESTAFA kasi nde pa nga ako
nakakabayad kahit piso dun sa 60,000 n loan ko its been 1 year and 2 months n ako
d nagbabayad ano po b pwde kong gawin salamat po
Reply
44.
personalproblem27Tuesday, January 20, 2009 at 11:07:00 AM GMT+8
good morning sir banker,

kninang umaga po may nag txt sa akin na i publish daw name at picture ko sa mga
major newspapers for estafa kasi d p nga ako nakaka bayad kahit piso dun sa
personal loan ko sa citifinancial ano po pwde ko gawin 1 year and 2 months n nde
ko nababayaran loan ko since from the start thanks po pero binigay ko naman un
bago kong work address para d nila isipin na tinatakbuhan ko sila thanks po
Reply

45.
ms. hopefulTuesday, January 20, 2009 at 12:11:00 PM GMT+8
hi personalproblem,
ms hopeful here, volunteer staff of this blog.
please see advisory below:
ADVISORY
I was advised to rest due to some medical problems. If you have specific queries not
currently addressed by the blog, please go to YOUR Diskarte Support Group Sites
Your SUPPORT GROUP
http://diskarteforum.niceboard.net/
http://finance.groups.yahoo.com/group/failuretopaycreditcard/
Reply
46.
AnonymousTuesday, January 20, 2009 at 4:27:00 PM GMT+8
To personal problem
hi, matanung ko lang..may picture ka ba na naibigay sa citifinancial? we the same
case kasi..pero ako naka pay ako for 10 months..ngayun meron payments kaso
konti2x nlang...
snake girl..
Reply

47.
ms. hopefulThursday, January 22, 2009 at 10:52:00 AM GMT+8
hi snakegirl,
comment ko lang , di ko kasi matiis yung sinabi mong payment na konti2x lang, i
was doing that before paying konti2x, financial marathon yun, napupunta lang sa
interest yun, di nababawasan ang utang mo.
Reply
48.
AnonymousTuesday, January 27, 2009 at 7:41:00 AM GMT+8
Hi! I have an unpaid credit card bill from citibank. They are saying through text that
Police will drop by to pick me up at home and they are filing a case of estafa. I have
so many debts that came my way since I am the only one working for my family. my
5 kids all depends on me. I have evaded their calls because they call not just once
everyday and it's kinda annoying but now I am scared because I don't want to go to
jail for it. I close my light when I'm at home, I lower the volume of the tv so no one
hears and even tells the kids to lie for me to tell anyone who's looking for me that I
dont live there anymore... I owe them 33,000. I would pay if I have money but I
don't..I really am so broke. What do I do...Please let me know.
Reply
49.
BabesTuesday, January 27, 2009 at 4:34:00 PM GMT+8
Hi to all,
Lam mo pareho tayo, but after reading the blogs here and other sites by banker,
narelieve talaga ako.Felt harrassed din ako, hindi makatulog. Pero ngayon wla na ko
pakialam sa mga collector na yan, pagod nako.
Reply

50.

ms. hopefulTuesday, January 27, 2009 at 7:04:00 PM GMT+8

Hi Anonymous (Tuesday, January 27, 2009 7:41:00 AM PH)
First, please choose a name, to avoid confusion
do not believe them, delete mo text nila.
read the paranoia prescriptions by banker posted last may 2008. nandoon lahat ang
dapat mo malaman at gawin.
go on with your life, utang lang yan, you are not a haunted criminal.
pray, it helps.
Trust GOD, HE is bigger than all our problems.
HE is powerful than our creditors.
Reply
51.
AnonymousThursday, January 29, 2009 at 7:42:00 PM GMT+8
if i have an account with equitable bank, do the credit collectors can still made me
pay for my unsettled accounts?
Reply
52.
ms_pocket_problemMonday, February 2, 2009 at 1:55:00 AM GMT+8
I am glad I found this site.. I can breathe now.. Gusto ko lang po sanang itanong
itong mga nagpapagulo ng utak ko.
1. May nabasa ako somewhere na there are a certain period na usually iniistop na
ng bank yung pagpatong ng interest at a certain time na masyado ng matagal.
Totoo po ba yun?
2. Meron po bang mga debt legal counsel na parang papagitna between you and
the bank? Gusto ko kc sanang makahanap ng paraan to negotiate para bumaba
yung babayaran ko pero ayaw ko magpakita ng personal. I was hoping sana to find
a credible counsel or lawyer na syempre hindi ako lolokohin. Pwede po ba yun?
3. Wala akong means to pay because I am just a housewife now and I have no
means of income =(. Pero gusto ko po sanang magbayad kung kakayanin ko. Should
I just wait for an amnesty from the bank baka mag-offer sila ng mas mababa or do I
try for a negoatiation now kesa lalong tumagal? Wala na kcng communication for 4
yrs. Ntatakot ako baka milyones na yun.

4. Pwede bang relative ko ang magrequest for SOA in behalf of me?. Ayaw ko kcng
magpakita, natatakot ako.
PLS help me naman. Standard Chartered po yung bangko ko.
Please...
Reply

53.
ms. hopefulTuesday, February 3, 2009 at 9:32:00 AM GMT+8
yes, i think your account is absorbed by BDO.
Reply
54.
AnonymousTuesday, February 3, 2009 at 1:38:00 PM GMT+8
here are some numbers scammers are using 09152329658 / 09194133639 ...
Reply

55.
ms. hopefulTuesday, February 3, 2009 at 1:58:00 PM GMT+8
ms_pocket_problem
on your queries 1. May nabasa ako somewhere na there are a certain period na usually iniistop na
ng bank yung pagpatong ng interest at a certain time na masyado ng matagal.
Totoo po ba yun? Rarely that happens, mostly di interests chrges do not stop
accumulating.
2. Meron po bang mga debt legal counsel na parang papagitna between you and
the bank? Gusto ko kc sanang makahanap ng paraan to negotiate para bumaba
yung babayaran ko pero ayaw ko magpakita ng personal. I was hoping sana to find
a credible counsel or lawyer na syempre hindi ako lolokohin. Pwede po ba yun?
possible na lokohin ka, gagastos ka pa? hirap ka na nga dadagdagan mo pa. pag
may pera ka na , saka ka nalang makipag negotiate directly to the bank.

3. Wala akong means to pay because I am just a housewife now and I have no
means of income =(. Pero gusto ko po sanang magbayad kung kakayanin ko. Should

I just wait for an amnesty from the bank baka mag-offer sila ng mas mababa or do I
try for a negoatiation now kesa lalong tumagal? Wala na kcng communication for 4
yrs. Ntatakot ako baka milyones na yun.
possible nga na milyones na yun.
read further banker's post.
4. Pwede bang relative ko ang magrequest for SOA in behalf of me?. Ayaw ko kcng
magpakita, natatakot ako.
if you or your relative will contact them, you become a promising account and they
will start intimidating u.
one of banker's quote in one of his post was, forget the debt not the lesson.
read and study his post last may 2008 on paranoia synopsis.
Reply
56.
Gr8fulTuesday, February 3, 2009 at 4:34:00 PM GMT+8
Greetings and hello to all posters.
I just wanted to share the ordeals that I went through that I appropriately call my
"dark days".
To start, I can sympathize to those that are hiding from creditors/CAs because of
financial setbacks that they are currently experiencing.
I was in deep financial s**t starting around 2000 to 2005. It started when I tried to
go into a business venture with my wife that eventually failed. I also I did not know
that I was living beyond my means, hence the problem snowballed. Patung patong
credit card bills ko, i had outstanding loans that I took from a bank, my friends and
other family members. In short, kaliwa't kanan ang mga naniningil sa akin ng
walang tigil. To survive, our lifestyle took a dive and had to make do on a day to day
basis.
But slowly I put my finances back on track. What had it going for me was that I was
and still is employed. I had committed myself to rebuilding my personal and
financial standing, I promised myself that I will not be remiss in any payments that
is due and should be debt free by 2010. BUT I will not be paying those loans/bills
that were accrued during those dark days, kumbaga GOING FORWARD, walang
utang, kung may utang magbayad!
At present, I am now 37 years old, and:

1. My wife and I have an insurance policy in place,

2. I have savings stashed, less than 100k lang, but better than having nothing.
3. I try to save 10k every month. this is for future expenses eg. tuition, emergency.
4. After savings we make do kung ano man ang matira sa salary ko.
5. I have a postpaid cellphone plan, globe internet and other utilities. Every month
paid in full.
6. I got a secured/prepaid credit card with a limit of 11k that I use for paying those
bills.
7. My wife was given, repeat, given a BDO credit card (20k limit) w/o any CI done.
Our theory is that she was able to maintain a savings account without going under
20k for the past 2 or 3 years. What's funny is that mas malaki pa credit limit niya
versus my Unionbank. Hers is unsecured pa hehe. We use this only for groceries. My
wife and I are very, very wary of our spending habits.
8. I currently have a chinatrust salary loan since 2006 which will be fully paid in
2010 (na renew kasi).
9. my three kids have a savings account of their own, which I don't 'make hiram'
anymore.
Apologies muna sa lahat at baka medyo mayabang ang dating ng monologue ko. My
point is that financial freedom can be achieved if you are committed and focused.
I'm lucky that my wife and I had the same goal in mind. Nagtipid kami, naghirap at
ilang beses napahiya. We did what we had to do to straighten our lives for our kids'
future.
There IS light at the end of the tunnel, Corny man pero totoo, in my case anyway.
To make it clear, I am not yet out of the tunnel, tanaw ko pa lang. Again I am still
not debt free and my savings is not yet three months worth of my salary (minimum
daw accdg kay Mr. Colayco).
Ang problema ko na lang is that, I am in a position to pay back those "dark days"
loans kahit installment lang, just so I can clear my name for Credit worthiness' sake.
Is this wise? Should I do this or just forget it and invest/save na lang ung dapat na
ibabayad ko? reason I'm asking is that my wife called and said na meron na namang
bagong CA na nagbigay ng sulat kay misis threatening so sue, get our property, etc.
blahblah. Wifey is medyo matatakutin so I said wag pansinin and I'm going to show
her your blogsite the moment I get home. I already printed your BAWAL PUMASOK
posts so she knows what to say when they come to our house again. Better get a pit
bull just to be sure na rin hehe.
It would also have helped if there were personal bankruptcy laws here sa pinas.
meron po ba mr. banker? It was an option I was willing to take back then kasi.
Cheers!
PS. I'm not the churchgoing type unlike my kids but I made it a point to thank HIM
before 2008 ended. He had a hand in it so give credit where credit is due.

Reply
57.
gfThursday, February 12, 2009 at 3:06:00 PM GMT+8
thanks mr. banker. another question: okay lang bang ipagpatuloy ko ang 500 to 1k
pesos payment ko monthly kahit ang demand ng citibank eh to pay in full un around
98k pesos plus na yata? tapos pinasa pa nila ngayon sa collection agency. i'm doing
this kasi good intention naman ako na i want to pay them but just cant really afford
the whole amount as of now na puro patong na rin. thanks again. - gf
Reply

58.
BankerThursday, February 12, 2009 at 3:14:00 PM GMT+8
stop paying. SAYANG ang P500.00 napupunta lang yan sa collector and you are
engaging in a never ending financial marathon. walang katapusan yan.
"to show intention to pay?" the bank does not think about you nor your utang.
only the collectors.
Reply

59.
Big. Bad. EJ.Tuesday, March 3, 2009 at 1:55:00 PM GMT+8
Hi Tito Rene and Ms. Hopeful! It's been so long. And I'm sorry I lost touch. Several
other concerns beset me and I have just been consistently throwing my demand
letters straight to the trash. I do appreciate that my last comments were posted
again on this 2009 entry, and that I am still remembered in this helpful blog. At any
rate, I would want to revive my link with you guys because, still, I haven't really
gotten out of my credit card debts and I owe my peace of mind (despite
everything)to this blog. Tumatanggap pa rin ako ng demand letters, nire-receive ko
pa nga ung iba, pero deadma na lang. Hehehe. I still do plan to pay all my debts off,
though, when time comes that I have the money. I have transferred to a different
default blog site but you will see the links to all my blogs which I still maintain from
time to time. New posts are on my new default site, though. More power to you and
yes, I am still willing to write for this blog, need be. God bless po and keep in
touch! :)
Reply

60.
BankerTuesday, March 3, 2009 at 2:15:00 PM GMT+8
Big. Bad. EJ.
WB. we miss you.
and yes,send me your article.
Reply
61.
TimeYUPunishMeFriday, April 16, 2010 at 1:03:00 PM GMT+8
If ever I'm the collector, I won't dare enter a bakurang may ganyan kalaking aso.
LOL
Joking aside, that would be trespassing.
Reply
62.
sugarplanterMonday, September 20, 2010 at 2:46:00 AM GMT+8
just a thought. if you are out of a job, ask the collector if you can apply in their "law
office/collection agency" as an agent also. In other word, tell them you want to be a
collector like they are, how does one apply? they probably think they u wud be
competition and never bother u again. hehe.
Reply
63.
Pinay_bacolodThursday, November 4, 2010 at 5:45:00 PM GMT+8
HI Ms hopeful
Have you already encountered this kind of problem? with regards to CC?
Thank you
Reply

64.

ms. hopefulSaturday, November 6, 2010 at 1:44:00 PM GMT+8

pinay_bacolod
yes, was visited at home, why? do you still fear their visit?
Reply
65.
BlueDragonTuesday, December 14, 2010 at 7:49:00 PM GMT+8
Hi Banker and to All Readers,
Help me naman, eto ang number na nanghaharas sa akin. Tawagan ko daw sila
kung hindi may pupunta na daw legal officer, buti nlang nabasa ko ang bawal
pumasok. :D
Eto number nila, pwede ba help me na balikan sila.
09275115782 or 7091449
Reply
66.
AnonymousFriday, March 4, 2011 at 2:41:00 PM GMT+8
i have 2 hsbc card and well, i haven't been able to pay them kasi talagang wala
akong pera, wait ko sister ko pay niya kasi sya nman gumamit pero wala din sya
pera. Enzi started calling me 2 weeks ago at talagang everyday yan tatawag at
tatawag sila. I was supposed to settle the amount last March 2 kaso wala talaga, I
am not running away from my obligations kaya nga gumagawa ako paraan para
mabayarn sila. sa last text ko dun sa len tolentino, sabi ko magconsult ako ng
lawyer tapos text back niya_"sige magconsult ka para makausap din ng lawyer
namin. I have been having sleepless nights dahil dito kaya di ko na alam gagawin
ko. banker, pls give some advice. thank you so much.
Reply
67.
angelaFriday, March 4, 2011 at 2:45:00 PM GMT+8
I am new to this and I really don't know how to post my comment. pls help me get
thru. thank you. anonymous pinili ko kasi hindi ko talaga alam gawin_LOL!
Reply

68.
BankerFriday, March 4, 2011 at 4:28:00 PM GMT+8
angela,
tell them this :
" according to my lawyer, sa court na lang daw natin pag-usapan ito. ayaw mo na
nyan?"
watch their reactions!
:))
Reply
69.
AnonymousSaturday, March 5, 2011 at 4:20:00 PM GMT+8
gud pm po. nabasa ko po ung mga post d2 mdyo same po kz s problem ko. jen po
name ko
problema ko po ung ng issue ako ng pdc tpos ndi ko n po npondohan, personal
check po un, 3yrs n po un. plan ko po mg apply ulit ng trabaho, kukuha po ako ng
nbi clearance at passport, maapektuhan po b un? mkikita po b yon? tnx po need ko
lng po ng advice salamat po ulit
Reply

70.
BankerSaturday, March 5, 2011 at 5:44:00 PM GMT+8
jen,
ayusin mo pag tinawag ka sa court.
enter into a compromise agreement
Reply
71.
AnonymousThursday, March 10, 2011 at 11:33:00 PM GMT+8
Hi Banker,
I'm christine, Need your advise about sa Citibank savings loan ko, hindi nako
nakapag bayad due to tight budget, i signed the contract with aggreement about
court etc.. I'm willing to pay my dues but the problem is sobrang laki ng interest nila
then they want me to settle in full payment which is hindi ko kakayanin, ano pwede
ko gawin, please help.. thanks

Reply
72.
AnonymousSaturday, March 12, 2011 at 4:52:00 AM GMT+8
hi banker my father is an ofw.. never ko po nakitang gumamit ng cc ang father ko
and isang araw nalang po meron ng naniningil samin bank daw po sa ibang bansa
and meron daw po utang ang papa po.. ngulat nalang po kami sobrang laki umabot
daw po ng hundred thousand because o the big interest at hangang ngauyon hindi
parin po matapos2, actually sa sobrang takot po namin ng mama at lola ko
hinulugan po namin kasi po lagi po nila kami tinatawagan at meron din po
pumupunta dito at sanasabing pag hindi daw po kami nag bayad mkukulong daw po
ang father ko at papabalikin ult dito sa pinas.. we are so worrid po... at pinipilit nila
kami magbayad.. kung tutuusin po bayad n kami eh ang laki2 ng interest nila
sobra.. nakakaiyak na at ang hihirap kausap ng mga ibang lahi dapat daw po
bayaran namin yun kung ayaw daw po namin makulong ang father ko.. ano po ba
dapt namin gawin?? at eto pa po ang nakakaiyak nung nkabayad po kmi halos 50k
na po biglang nagiba sila ng place nilipat nla and nung nagpunta kami dun sa bago
nilang ofice at pinakita po namin yung resibo na katunayan nag hulog kami hindi po
nila un kinonsider.. bali wala daw po ksi almost a year daw po kami hindi ult
nakapag bigay.. nakakasawa na po kasi yun madalas meron nagpupunta dito at
nananakot. kaya lang naman ngheram ng pera po father ko eh kapit po kami sa
patalim nung time n yun kasi po nagsara po ang trabaho ng father ko at wala syang
madadalang pera nung tume na yun.. ano po ba dapat namin gawin?
Reply
73.
bradWednesday, July 13, 2011 at 1:34:00 PM GMT+8
may mga na-recieve ako letter from collectors at binibigayan ako deadline to pay
my utang sa hsbc
pag hindi ako nakabayad on that day kakasuhan ako ng RA 8484 eh fraud yun at
ako naman ang cc user st billing add ko yun pa din sabi ko naman sa kanila tapos
personal properties ko kukunin nila eh tv lang at ref. pwede ba sila manguha ng
kagamitan ko personal? eh wala nga ako kotse at sariling bahay, sa nanay na bahay
ko kasi naka-billing address. 6months to 10 years pa daw ako pag nakulong?
Reply

74.
BankerWednesday, July 13, 2011 at 3:20:00 PM GMT+8

brad,
type mo "RA 8484" doon sa Search Box--------->
Reply
75.
Kei HimekawaFriday, October 28, 2011 at 3:12:00 PM GMT+8
Hi Banker!
I'm doing a thorough read of your blog and posts and I also approached a friend to
ask of what to do if may mangungulit na CA. She told me to tell my parents and
work place na wala ako and/or I quit from the company and/or I transferred to
another home. In short, taguan and hide from them. Instead of "avoiding" calls, it'll
be like "hide" from calls.
What I wanna do is accept their calls and face them. It shows na hindi ako takot sa
kanila and I know my rights. Tama ba yung plan ko na gawin? Instead of hiding, I'll
face them up front? Or it's better na sundin yung suggestion ng friend ko?
Reply

76.
BankerFriday, October 28, 2011 at 3:41:00 PM GMT+8
kei,
http://failuretopaycreditcard.blogspot.com/2010/09/calls.html
Reply
77.
good payer turned defaulterFriday, November 11, 2011 at 6:49:00 PM GMT+8
This afternoon a girl from "EASTWEST BANK" told me na pag di daw ako nakapag
settle sa monday ng unpaid balance ko mag o occular/field inspection na daw sila..
d na ako natatakot... They can do whatever they want... Wla naman akong property
na pwede nilang kunin saken tsaka lagi naman akong wla sa bahay... kung sa
opisina pa makikita nila ako... Hehehe! Thank you po talaga sa mga nag-share
tungkol sa mga di na makabayad na cc holders tulad ko...
Reply
78.
Gerrard RosalesMonday, November 14, 2011 at 5:27:00 PM GMT+8

i've been reading the posts here for quite a long time, but i signed up just now. i
think i can help share my experiences and how i handled it. sa ngayon, solve na
problem ko. thanks to banker and the rest who are really active in replying queries
in this site. God bless us all.
Reply
79.
stupidThursday, December 29, 2011 at 10:17:00 AM GMT+8
Hi,
Firstly, thanks for this very informative blog site.
I want to share my experience 3 years ago when an unexpected collector (with their
"CI") came to our house. Since I didn't know about this "trespass to dwelling" law, I
left with no choice but to entertain them. After telling them my incapacity to pay,
and when we were about to close our conversation, the collector handed me a piece
of a 1/4 sheet of paper (with blank fields in it) for me to sign to recognize their visit
and our face-to-face talk. And, because of so much tense and nervousness, I lost my
senses for a while and signed above my name WITHOUT even reading what was in
that paper. Only when they left that I realized my stupidity. (A lesson learned, I
know.)
The good news is, I have not been bothered and/or harassed by the CA for about 3
years now since my stay here abroad. Although there are still letters sent to our
house, which are unopened and unconfirmed if received.
My concerns:
1) What possible strategy they could use from that signed piece of paper against
me?
2) If I remember exactly, I used a different signature (my married signature) not the
signature I used in my cc application form or any of my cc documents. Do you think
such signature is valid for whatever purpose it may serve them against me?
I'm worried now because I will go back to the Phils. very soon, although I will not be
seen at the same address anymore, but the messenger can still drop the letters at
my old address.
Please enlighten me.
Thank you and I wish you all a happy holiday season!
Reply

80.

BankerThursday, December 29, 2011 at 11:14:00 AM GMT+8

stupid,
forget it.
they can send all the letters they want.
welcome back to Pinas
and change your name to stupid-no-more
:D
Reply
81.
stupid-no-moreThursday, December 29, 2011 at 8:47:00 PM GMT+8
Thanks, Banker.
Here I go with a changed name :-D
Okay, I can forget it and I can let them send all the letters they want. What if one of
the unopened letters is a Summon? What's my option now?
Reply

82.
BankerFriday, December 30, 2011 at 5:12:00 AM GMT+8
stupid-no-more,
collectors filing a case?
they wont; they dont; they cant.
IF, IF......
http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.html
Reply
83.
AnonymousWednesday, June 6, 2012 at 2:01:00 PM GMT+8
Thank you so much ms. hopeful and Sir Banker...
punta ako sa barangay namin bukas and sasabihin ko at ipapaliwanag ang mga
maling ginagawa nila plus ang mga tao pa sa barangay namin ang nagkakalat ng
tsismis na estafador daw ako. sila kaya kasuhan ko sobra sila... dagdag pa sila sa
stress =(
worriedlizzy

Reply

84.
BankerWednesday, June 6, 2012 at 3:31:00 PM GMT+8
dont explain.
just try to inform them:
- they are being used by collectors to do the collection for them!
- it's not their duty ( Supreme Court Cir. 14-93)
- it's up to them kung papagamit pa sila.
:)
Reply
85.
AnonymousWednesday, July 18, 2012 at 5:00:00 PM GMT+8
hi,
buti na lang nakita ko tong site nyo. hay,savior talaga! here's my situation, I had a
cc from RCBC. hindi ko na po nabayaran since last december. ngaun starting
february may kumokontak sakin na collections agency,kesyo law firm daw sila at
idedemanda nila ako. i changed my phone number so stop na din ang
communication.kaso last tuesday sabi ng tita ko may mga pumunta daw sa bahay
namin (nakikitira ako dati sa tita ko at yun ang address na dineclare ko sa rcbc) na
mga ocular inspectors.may binigay daw na letter at sabi i have until this friday take
care of my debt. 15k ang utang ko. sabi pag hindi daw ako nagbayad kakasuhan ako
"under the new law", naisip ko lang, my bagong batas ba about cc collections???
may iniwan silang contact nos. and im seriously thinking about calling them back
pra makapag-settle kasi nahihiya ako sa tita ko,sya ang nahaharass. sya lang kasi
ang naiiwan sa bahay kaya sya lagi ang nkkausap.tapos maghahatak daw sila ang
gamit, e hindi ko naman gamit yun,sa tita ko yun,baka mahatak nila.kawawa naman
ang tita ko. yung mga dineclare ko kasi na gamit nasa bagong apartment ko
ngayon. natatakot pa ang tita ko baka daw kasuhan ako. gusto ko din naman sana
iclear na ang utang ko.kaya lang gusto ko sana sa bangko mismo magbayad at hindi
sa collection agency.pwede po ba yun? makakapag settle pa din po ba ako sa
bangko kahit na-write off na ang cc acount ko? ano po ang dapat gawin ng tita ko
kapag may pumunta ulit at maghatak ng gamit sa bahay? salamat po.

- barbie
Reply
86.

barbieWednesday, July 18, 2012 at 5:13:00 PM GMT+8

hi,ako po yung nagpost ng comment previously about cc sa rcbc.ngayon ko lang
nahanap kung pano mag join.hehe. sana matulungan nyo ako sa problema
ko.thanks ulit
Reply
87.
Keihimekawa01Thursday, July 19, 2012 at 8:52:00 AM GMT+8
Hi Barbie.
First of all, medyo iwas tayo comment using "Anonymous" kasi commonly di sha
napapansin ng members and ni Banker :D
With regards to your problem, una mong gawin is sabihan mo mga tao sa bahay
niyo ng issue mo about your cards. Kelangan aware sila na may mga CA talaga na
bongga mang-harass. Ano yung "Under the Law"? Ayus ah... As for your question na
mangunguha sila ng gamit, as long as walang proof na nakapangalan sa iyo yung
property or items, wala silang "K" na kunin yun. Since you're living with your tita,
mas lalo silang walang karapatan kasi di sila pwede manlimas ng gamit UNLESS sa
iyo nakapangalan yun (which is something na mahihirapan sila i-prove). Can you
imagine? 15k DAW utang mo then ano kukunin nila sa house? Electric Fan? And may
mga proseso pang dadaanan before nila magagawa yun.
Sabihin mo sa tita mo, wag sila papasukin and if nambastos sila or namilit, pakuha
mo name, company and other details then sabihin mo, sila kakasuhan for
trespassing. Better, kunan sila ng picture para matakot mga mokong. Commonly
naman kasi if may mga nagpupupunta na CA sa bahay or office, magaabot lang yan
ng papel then sasabihin to call whoever there is to call then pagtumawag ka, same
spiel and paikot-ikot na conversation. Kakapagod lang. Then sabihan mo rin tita mo
and mga tao sa bahay na wag ibibigay new address mo. Hayaan mo sila maghanap.
Dun naman sila magaling. Mag-"research". HeheheLaw firm ba kamo? Meron bang mga attorneys or law firm people na uubos ng oras
na mangolekta ng pera sa defaulters KUNG meron silang ibang mas mahalagang
kasong hinahawakan? Collection agents lang yan. Ginagamit lang law firm para
matakot and mansindak.
Good luck sa yo. Keep on reading to learn more diskarte. Wag ka basta-basta
matakot. Marami kami nadaan diyan. Basta stand on your ground. May mga CA na
wagas mambastos and manakot.
Reply
Replies

1.
BankerThursday, July 19, 2012 at 10:12:00 AM GMT+8
It's not that we dont want to answer.
BUT just imagine if everybody posts as "anonymous"
with DIFFERENT queries:
Anonymous: makukulong ba ako?
Anonymous: So,dedma ko lang?
Anomymous :What will I do?
My Answer: Y E S!
"wahh... makukulong daw ako!"
lol!
Reply
88.
barbieThursday, July 19, 2012 at 8:02:00 PM GMT+8
hi,
thank you sa reply Banker and Keihimekawa01. tomorrow na yung due date na
binigay nila sakin, i'll wait kung ano ang gagawin nila. kinausap ko na din ang tita ko
na wag na silang kakausapin. natetensyon ang tita ko sa kanila. sana tigilan na nila
ako. :)
Reply
89.
Teacher JoyTuesday, July 24, 2012 at 4:39:00 PM GMT+8
Good pm Banker,
May tumatawag po sakin for the past month from Anovuevo.. okay naman
makipagusap, kaya pinilit kong magbayad nung nagpagkasunduan naming
payment. Kaso kanina, naging clear sakin na ung nauna ko palang binayad ay
nabalewala na dahil lampas na daw ng 1 buwan kaya nareset at balik sa 'amnesty'
na bingay daw ng banko. Na high-blood ako sa narinig ko, na ung pinaghirapan kong
ibayad sa kanila ang nawala parang bula.
Ano po ba ang pwede kong gawin, pwede ko po ba tawagn ang banko para ibalik sa
knila ang billing sa card ko?
Totoo po ba na walang saysay ung naibayad ko na last month?
Thank you po at aasahan ko po ang reply ninyo.
More power at salamat sa pagtulong sa mga tulad ko.

Reply
90.
AnonymousThursday, August 16, 2012 at 9:30:00 PM GMT+8
Hello Banker,
Your site is very helpful! I would like to ask if a personal loan is the same as Credit
Card debt? Thanks!
Reply
91.
AykentteykitenimorFriday, August 17, 2012 at 7:07:00 PM GMT+8
mag ingat sa mga scam...please read this, muntik na ako
mabiktima...http://theequalizerpost.wordpress.com/2009/12/11/warningcredit-cardscam-in-the-philippines/
Reply
92.
AykentteykitenimorFriday, August 17, 2012 at 7:08:00 PM GMT+8
Check this out....maraming scam sa credit
cards...http://theequalizerpost.wordpress.com/2009/12/11/warningcredit-card-scamin-the-philippines/
Reply

93.
6lennonFriday, August 24, 2012 at 12:21:00 AM GMT+8
Hi banker ngtext na sila (Cases law office) pupunta daw sa bahay o sa office bukas
ng 10am ano gagawn ko? pls help :(
Reply
Replies
1.
Kei HimekawaFriday, August 24, 2012 at 8:36:00 AM GMT+8

Malamang sa malamang, walang magpapakita diyan. The same thing happened to

me quite a lot of times na rin. Lagi nila sinasabi punta kami ng ganitong time then
wala naman pumupunta. If ever may pumunta, they'll just give you a sheet of paper
then papapirmahin ka that you received the letter then mangungulit ulit kung when
ka magbabayad. kung wala ka maipakita, then uuwi rin silang walang cash.
Pwede mo sila harapin then use the diskarte you learn here or pwede mo rin ipasabi
sa tao sa inyo na wala ka. Hehe
Reply
94.
AnonymousFriday, August 24, 2012 at 12:23:00 AM GMT+8
Hi Banker,
Nag text na sila (Cases Law office) pupunta daw sila d2 sa bahay or Office for
personal visit with coordination ng barangay, ano gagawin ko? please help :(
Reply
Replies
1.
dragon76Friday, August 24, 2012 at 6:10:00 PM GMT+8
the answer is already in this thread. may hinde ka ba maintindihan?
Reply
95.
AnonymousThursday, September 27, 2012 at 9:12:00 PM GMT+8
Pls help. may utang ako sa BDO 200k hiwalay ako sa asawa at walang work dahil
kapapanganak ko palang. nahaharrass na ako sa collection agents. is it ok kung
hindi ko sagutin mga calls nila? natatakot na ako plus may dumadating sa akin na
billing SOA ng bdo american express card eh wala nman ako CC na ganun :( sino na
naka experience ng ganun? thanks. -Ashley
Reply
96.
Yuen AntonioThursday, February 21, 2013 at 10:17:00 PM GMT+8
dear banker

help naman po please kasi yung hsbc hinihingian ko po ng SOA pero ang sabi po
nila sakin hindi daw po sila authorized na kumuha ng SOA ako daw po na card
holder and dapat mag request sa hsbc nun..and pinipilit po nila ako mag bayad ng
5k til 24 hours..and sabi nila pupunta daw po sila sa office namin to talk about the
matter and have a black and white discussion...help po banker evryone..need your
suggestion what im going to do if pumunta na sila sa office namin...
Reply
97.
KeiFriday, February 22, 2013 at 7:06:00 AM GMT+8
Nasabihan na rin ako niyan before and wala naman pumunta dito sa office or sa
bahay namin but if ever pumunta sila sa place niyo, pustahan tayo.. Magaabot lang
yan ng papel na may note, tatawag yung messenger sa CA mo tapos kulitan blues
ulit.
You have the choice naman to face them or not.
Isipin mo.. Since they are endorsed ng bank, di ba dapat mas mabilis if sila na ang
kukuha ng SOA from the bank? Bakit sinasabi nila na ikaw na lang? And if ever ikaw
manghingi sa bank, baka matagalan ka rin before makakuha kasi it would take them
some time to find, process and compute yung mga billed amounts mo and interests
incurred.
Reply
98.
Yuen AntonioSunday, February 24, 2013 at 11:48:00 PM GMT+8
kaya sabi nila, kung ma poprovide ba naming yang soa mo makakabayad ka ng
buo..tas sabi ko alanganin kasi kulang ang kinikita ko.tapos sabi ba naman yun
naman pala ang dami mong ka ek-ekan..mag fifile nalng kmi ng demand letter
sau..then bagsak ng phone..tas nag fax sa office ng demand letter ra 8484
daw..alam ko naman ra 8484 is for using the fake card,ang inaalala ko lang mga
susunod nA GAgawin nilang pang haharass.baka yun ang dahilan baka matanggl
ako sa work ko.kasi ang company namin ayaw sa gulo...hayyyy..buhay nga
naman..sana ma help nyo ko guyzz...thanks advance
Reply
Replies
1.
KeiMonday, February 25, 2013 at 10:30:00 AM GMT+8

Marami pa yan. Panindigan mo lang mga natutunan mo dito. Ganyan naman lagi
mga styles nila eh. Yan ba yung way nila to "help" defaulters? Kung yan lang way
nila to help us, then, I don't need their help :P Dagdag stress lang sila sa buhay ko.
Lolz!!!
Reply
99.
mark arrebowlesMonday, April 1, 2013 at 7:56:00 PM GMT+8
hi banker.
im mark
1: kapag inavail ko ang arrangement plan ng bank, totoo ba na magpapadala sila ng
certificate of clearance?
2. kapag natapos ko na yung aggrement ko sa ca. tapos na ba talaga ung utang ko
sa cc?. kasi ang lalabas lang daw sa soa ko ay yung payment na ginawa ko..iba daw
lalabas na outstanding..disregard ko na lang daw...sa contract daw ako
sumunod(kaduda duda???)
3. 2 cards ko na default,,ung isa tama birthdate yung isa mali....matatrace ba nila
yun? makakasuhan ba ako pag na-found out na mali...
4. is there way na sa bank ako mismo makipagdeal at hindi sa collection?how.
5. nag-avail ako ng online soa para convenient, mahihinto ba pagpagdala nila sa
email address ko ng soa kung ndi na ko nakakabayad?.sabi kc sa terms and
condition pg may remaining pa rin, tuloy pa siya...kailan po ba natatapos
magpadala ng soa...
last, kailan nagsisimula at natatapos ang statute of limitations...
salamat po ng marami banker
Reply

100.
BATang VIAHEROTuesday, September 10, 2013 at 11:56:00 AM GMT+8
Hi Banker....
this morning CJM strategic management called me to settle my cc obligations in
hsbc...
nagulat nga po ako at bakit nila nalaman ung bago kong company...
anyway...ung agent po eh nag offer sa aking ng at least 75% discount sa utang ko
and me pinadalang agreement regarding sa babayaran ko and from 190K to 7K na
lang daw para ma close ung account ko...
if i signed the agreement po ba eh makakakuha ako ng certificate of full payment
and totally closed na ung utang ko sa kanila....
need your advice po....thanks
Reply

101.
Tina GrucoThursday, May 29, 2014 at 2:31:00 PM GMT+8
This comment has been removed by the author.
Reply

102.
BankerTuesday, September 2, 2014 at 1:21:00 PM GMT+8
Since comments are getting longer, I would suggest you post your
query/ies on the first page of the blog
Reply
103.
ZoomWednesday, November 5, 2014 at 10:19:00 PM GMT+8
Hi Banker,
Ask ko lang si BPI nag file na ng case, and nag attend na din ako ng several
hearings, and palagay ko tama nga sinabi ninyo na since wala din naman ako
pambabayad, wag ko na ko attend sa hearing, and nag submit na din ako ng
proposal sa kanila and ayaw naman nila, nag double na kasi yung amount, kaya
lalong hindi ko na kaya bayaran, ang question ko lang po is if ever mag karoon na
ng decision ang Judge, and gaya ng nasabi niyo po before, ang ending is " you must
pay" , may right ba i freeze yung natitira namin money sa other bank? Maraming
salamat po Banker.