Documents To Ask Collectors

I. Collector's Personal Data

- 2 valid Identification Cards ( Company ID and Government-issued ID)
- Authority To Perform Specific Acts as Collectors
- Approved Assignment of Accounts of the Collection Agency
II. Collection Agency
- Collection Arrangement between bank and Collection Agency.
- Notarized Secretary's Certificate or Board Resolution of the bank :
a. authorizing appointment of specific Collection Agency
b. authorized signatory for the bank
- Copy of Bank Endorsement as required by BSP Cir. 702
- Collection Agency's Authorized Delegated Compromise Terms,Conditions and Limitations
- Collection Agency's authorized signatory and specimen signatures
III. Statement of Account
- Latest and dated Statement of Account
- how much is owed ( principal, interest, other charges, expenses etc.)
- Indicated applicable rates
- Indicated covering periods
- signed by authorized signatory of the bank
IV. FORMAL OFFER
- in writing
- duly signed by Collector
Posted by Banker at 5:40 AM

84 comments:
1.
AnonymousMonday, March 26, 2012 at 11:56:00 AM GMT+8

banker,
nakakainis na talaga ung collector na tumatawag sa akin kung ano ano na sinasabi pati sa mga
kasamahan
ko
nabwibwisit
na
ako
sa
kanila
araw
araw
na
lang...
Julia
Reply
Replies

1.
BankerMonday, March 26, 2012 at 2:26:00 PM GMT+8
http://failuretopaycreditcard.blogspot.com/2010/09/calls.html
http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-ofcollectors.html

2.
aleli_malditaWednesday, May 9, 2012 at 5:50:00 PM GMT+8
ganito na lang huwag kayong mangutang ng hindi nagbabyad. kaya yan ang
napapala nyo kapag napapahiya kayo susulat kayo sa article na ito. siguro yang si
banker maraming utang na tinakbuhan... hoy banker malaman lang namin kung
sino ka malilintkan ka.

3.
BankerWednesday, May 9, 2012 at 6:38:00 PM GMT+8
aleli,
may
mali
mali
ba
na
maraming

ba
sasabihan

sa
ko

ang

aking
mga

sorry
kung walang tao na maloloko ninyo.

4.
AnonymousThursday, May 10, 2012 at 5:54:00 AM GMT+8
Banker si aLeli ba ay collector? Baket naremoved yung comment mo?

5.

ginagawa?
tao
na
SWINDLERS?
po!

BankerThursday, May 10, 2012 at 10:24:00 AM GMT+8

I dont want to discuss intelligently with intelligence-challenged individual like
collectors.
baka
ma-MTRCB
tayo
like
T3.
heheheheh
Reply

2.
AnonymousMonday, March 26, 2012 at 3:29:00 PM GMT+8
Hi

Banker

and

the

rest

of

Diskarte

Team,

Thank God I found your blog! May ask lng po ako with regards sa collection strategy. May pumunta
po dito taga barangay namin at may dalang message sa celphone nila, here is the message:
Greetings! Sec. Grace Quizon (Person in the Barangay who received the text message)
This is SPO2 Gina Lucero of CIDG Camp Crame, we have received an order to verify the person
(NAME) at (ADDRESS). This is for violation of Art 315 revised penal code act. no 3815. We urgently
need to talk to him/her to avoid hassles and having derogatory record and his/her name will not be
included in immigration watchlist. If the subject is not around at the moment please inform his/her
relatives
to
call
us
up
@
(02)
7829552
&
09478068334.
Thank
you.
Nagtanong po kami sa CIDG mismo kung meron SPO2 Gina Lucero dun, sabi nila tanunging kung
from anong unit. Nung nag txt po kami dun sa number na bigay nila (GINA LUCERO) at tanungin
anong unit, ang sagot lng kailangan daw tawagin namin sila. Is this another modus to make us call
them? My father is worried syempre although knowing na walang GINA LUCERO sa CIDG nung
mag
verify
kami.
Ask
Thanks

ko

lng

po
po

if

anyone

here

sa

experienced

the

time!

same

situation?

God

bless!

Ms. K
Reply
Replies

1.
BankerMonday, March 26, 2012 at 3:47:00 PM GMT+8
hahaha...lumang
style
tell
the
barangay
"naloko
in
fact,
yung
nag
Swindling
:))

na
yan
ng
and
everybody
lang
text
ang
liable
for

collectors!
na
kayo"!
Art.
315
yun!

else

2.
mommy annMonday, March 26, 2012 at 11:24:00 PM GMT+8
Good

evening

Banker

and

Ms.

I'm Mommy Ann, plainhousewife and unemployed, due to financial difficulties di

ko na rin nabayaran mga cc ko. The same thing happened to me few hours ago po,
may pumunta dito sa bahay a representative from our barangay at may kasamang 2
pulis around 6:45pm, as in tumigil pa sa tapat ng nirerent naming bahay ung
mobile car. The lady from our barangay told me to call this number, 02-7829552/0917-901-2769 kasi daw parang me reklamo against me. Nung tinanong ko
sila kung sino and tungkol saan, sabi nya wala siyang idea inutusan lang daw siya,
and she handed me this piece of paper nakasulat ung name ko with my address and
Art. 315 RPC #3815. Sabi nya tawag na lang ako or text ko ung number to know the
problem. And then sabi nya dun sa isang pulis " Oh text mo na sila pakisabi
nakausap ko na ung concern na tao" and then they left. Grabe ang kaba,takot at
stress level ko, im alone with my 2 kids aged 6 at 7 at nagtatanong sila bakit me
dumating na pulis dito sa bahay, ung husband ko po nasa work pa that time... i
havent called or text those numbers till now. Banker para sa inyo po tawagan ko ba
sila?
Napansin ko para po yatang mga babae ang target nila sa ganitong style ng pag
collect.
Thanks

po

Banker

and

God

bless.

mommy ann

3.
AnonymousTuesday, March 27, 2012 at 1:44:00 PM GMT+8
Mommy

Ann,

I went to the barangay this morning to confirm nga kung bakit sila pumunta ng
bahay. I asked them paano at bakit sila sumunod sa order ng so called SPO2 Gina
Lucero of CIDG Camp Crame. Sabi ng secretary sa barangay ay tumawag daw ung
SPO2 sa barangay office at ang bungad agad ay "Kailangan namin ang iyong
cooperation na mapuntahan si "MR.___" dyan sa barangay nyo. Tapos sabay
forward daw dun sa txt containing that message agad naman pumunta ung mga
barangay tanod sa bahay namin. Nakuhag masindak ang Tatay ko, sya pa nman
mag-isa sa bahay nun. Sabi ko nga sa kanila how sure ba sila na totoo ung tumawag
what if it's only a scam or a way to impose authority? Sabi ko nga kailangan ko ma
report yung ganyang gawain eh. What if naatake ang tatay ko sa nerbyos? Basta na
lang sila sumunod without verify if it's a valid call bsta sinabi lang na from CIDG?
Ang ginawa po namin ay tumawag mismo sa CIDG to confirm if there is a SPO2
Gina Lucero, but nobody there seems to know. Nag-txt naman ako dun sa number
na
bigay
nila
at
gusto
call
kmi
so
we
decided
not
to.

Ano

kaya

ang

next

strategy

nila?

Hay

grabe...

MS. K

4.
mommy annWednesday, March 28, 2012 at 11:34:00 PM GMT+8
Good

day

Ms.

K,

Thank you sa pag reply, up to now di ko pa rin tinawagan ung mga numbers na
binigay sa kin , had you noticed pareho ang landline number na binigay sa tin?
(02)7829552. I'm still planning to visit the police station na malapit sa min, to
verify this matter. I read the blogs and the same thing happened to belle. grabe
masyado
na
silang
desperate
para
makasingil.
To Banker, Planter at dragon76, maraming salamat po sa mga advices and mga
information na pinost ninyo halos nabasa ko na lahat at bumaba na po stress level
ko : ). Atleast next time na me sumugod na mga pulis at Ca dito sa bahay me idea na
po
ako
on
how
to
handle
them.
Mommy Ann

5.
mommy annWednesday, March 28, 2012 at 11:52:00 PM GMT+8
Ms.

K,

Thank you so much po sa reply, till now di ko pa rin tinawagan or tinext ung mga
numbers na binigay sa kin nung mga pulis. Had you noticed pareho ang landline
number na pinapatawagan sa tin? (02) 7829552..Im still planning to visit ung
malapit na police station dito sa amin to verify this matter, sa sobra kasing kaba ako
when that happened di ko man lang nakuha ang mga names ng mga pulis....same
thing happened to belle ung nagpost ng comment last march 27.These Ca were so
desperate to collect moneys from us kaya any means gagawin nila para ma
demoralize tayo.di ba bawal yun? just wondering kung babalik sila dito sa bahay
kasi
di
ako
nakipagcommunicate
sa
kanila,
hehehe.
To Banker, Planter at dragon76, maraming salamat po sa mga advices and mga
information na pinost ninyo medyo marami na po akong nabasa at bumaba na
stress level ko. Atleast next time na me sumugod na mga pulis at Ca dito sa bahay
me
idea
na
ko
on
how
to
deal
with
them.
mommy Ann
Reply

3.
AnonymousMonday, March 26, 2012 at 3:57:00 PM GMT+8
Ganun po ba Banker? Bakit po yung sa barangay mismo pumayag sila gawin yun at nag verify kung
di pala nila alam or sure na totoo yung order na yon at di nman pala galing sa CIDG? Is it ok to ask
them, kilala pa nman namin ung Sec. Grace na nag receive ng text sa Barangay. So sad to know they
would
go
to
such
means
para
lang
maka
collect.
Thanks

for

the

time

po

ulit!

Ms. K
Reply
Replies

1.
BankerMonday, March 26, 2012 at 4:37:00 PM GMT+8
I
ask
:)

cannot

answer
her

for
na

her.
lang.

2.
dragon76Monday, March 26, 2012 at 4:39:00 PM GMT+8
ca will do more than that. nagsisimula ka pa lang. Take a step ahead.Read ad learn
para equipped ka na sa mga susunod na pangyayari
Reply

4.
planterTuesday, March 27, 2012 at 2:38:00 AM GMT+8
@ms
k,
tama si dragon76, keep reading all the blogs in this site. You will get the hang of answering
collectors. Another thing: just remember the burden of proof that the credit card company owes you
money is with the credit card company. They have to prove to you that you owe them money.
According to Justice Cuevas, "he who alledges must show proof." They alledged that you owe them
money, so they have to show proof.
Reply
Replies

1.

aleli_malditaWednesday, May 9, 2012 at 5:50:00 PM GMT+8

mga sira ulo

2.
BankerWednesday, May 9, 2012 at 6:54:00 PM GMT+8
aleli,
my
dear,
saan
kayo
kasi....kung
anong
why
dont
you
sira ulo ba yan?

po
ba
ang
legal
ek-ek
pa
just
do

mali
sinasabi
it

dito?
ninyo.
legally?

Reply

5.
planterTuesday, March 27, 2012 at 2:43:00 AM GMT+8
Banker,
Ok ha! It is good you published this requirements for the CA. You think the CA can produce or are
willing to produce said requirements? hehe. last nov 2011, i remember one CA (Lauron)was
bitching with me, kc i ask for a SOA duly signed by the bank and authority to collect. The guy was
saying, "Ano? Gusto mo pa ipa-sign ko kay Henry Sy?" I answerd, "Yes." He replied, "ano ba sir?
hindi naman kita bangko. Pay your obligations. Don't run away from your obligations. It seems you
have no intentions in settling your obligations." i just turned off my cel after that. he bugged me for
a day or two, then didn't bug me after.
Reply
6.
planterTuesday, March 27, 2012 at 2:44:00 AM GMT+8
@ms
k,
tama si dragon76, keep reading all the blogs in this site. You will get the hang of answering
collectors. Another thing: just remember the burden of proof that the credit card company owes you
money is with the credit card company. They have to prove to you that you owe them money.
According to Justice Cuevas, "he who alledges must show proof." They alledged that you owe them
money, so they have to show proof.
Reply
Replies

1.
BankerTuesday, March 27, 2012 at 6:01:00 AM GMT+8
at
hehehe

AUTHORIZED

sila

to

collect

from

you.

Reply

7.
AnonymousTuesday, March 27, 2012 at 7:48:00 AM GMT+8
Thanks po Banker, Dragon76 and Planter sa mga replies nyo. At least kahit papano
napaghahandaan namin ang mga ganyan situation. Saan ba pwde report ang mga collectors na yan?
I read may taong pwde natin call sa BSP, I just can't find the name. Muntik na maatake Tatay ko sa
nerbyos na binigay nila. Sana matigil na ang mga strategy nilang ito kc nakaka-perwisyo sila ng tao.
Ms. K
Reply
8.
breadwinnerTuesday, March 27, 2012 at 8:46:00 AM GMT+8
Hi

banker,

I hope you can help me.4 months na po akong di nakakabayad ng loan ko sa sterling bank of asia
and sa eastwest. sabay ko pong hndi nabayaran kse isang checking account lang ung dalawang loan
so nagclose na ung checking account ko. I have no intentions of running away from my obligations
pero wala po talaga akong pambayad due to unfortunate circumtances.am i liable for bp 22 since i
issued
the
banks
with
PDCs?
pls
advise
naman
po.
thanks
- breadwinner
Reply
Replies

1.
BankerTuesday, March 27, 2012 at 9:51:00 AM GMT+8
yes. type mo sa search box "bp 22" doon - - - - - >

2.
breadwinnerThursday, March 29, 2012 at 4:09:00 PM GMT+8
hi banker, breadwinner po uit..i read na ung bp 22.so does this mean i have to start
talking to a lawyer na? hindi na po kse ako talag makabayad e..thank you po for
your reply.

3.
BankerThursday, March 29, 2012 at 5:56:00 PM GMT+8

not
just
attend
yan lang po ang requirement.

necessarily.
invited.

when

4.
breadwinnerFriday, March 30, 2012 at 4:23:00 PM GMT+8
ok po thank you very much po banker.
Reply

9.
dragon76Tuesday, March 27, 2012 at 9:56:00 AM GMT+8
answer to your question is "yes". Search mo dito sa blog about BP22 to know what you have to do
Reply
10.
Miss piggyTuesday, March 27, 2012 at 12:38:00 PM GMT+8
Good
ask
ko

lang

morning
ano
meaning

po
letter

ng

WITHDRAWAL

na

sa
received

OF

ko

from

lahat,
DABU,

APPEARANCE

Undersigned counsel, unto this Honorable Court, hereby most respectfully withdraws her
appearance, as counsel for the plaintiff with the latter's conformity effective immediately.
Henceforth, please send copies of notices, papers, pleadings and other court processes directly to
plaintiff
at
its
address
indicated
in
the
complaint.
WHEREFORE, premises considered, it is respectfully prayed of this Honorable Court that
withdrawal of appearance of undersigned counsel for plaintiff be noted and approved.
Respectfully
submitted
Quezon
DABU

City

for

Makati
&

City

12

March

2012

ASSOCIATES

page

Copy

furnished

MISS

PIGGY

address

EXPLANATION
Due to the distance, a copy of this Withdrawal of Appearance was served upon defendant thru
registered
mail
with
return
card

Carmencita

Dabu

salamat po sa walang sawang pag tulong,

Reply
Replies

1.
BankerTuesday, March 27, 2012 at 2:35:00 PM GMT+8
it's like saying Justice Cuevas has resigned as lawyer of CJ Corona.
:)
Reply

11.
AnonymousTuesday, March 27, 2012 at 1:03:00 PM GMT+8
hi banker, palagi po akong nagvivisit sa site nato...im belle pala. hirap kc magregister eh...may
tumawag kc sakin na taga legal counsel daw nang citibank tapos sabi nya P70k na daw yong balance
ko. tapos pabayarin daw niya ako nang 15k para ma close yong account ko at may certificate daw
para sakin na close na. tapos nakipagnegotiate ako na pwede 10k ang ibayad ko tapos e-close yong
account ko. natatawa nga ako sa kanya kc xa daw si atty villanueva tapos ang dami nyang
pananakot. imbes na matakot ako natatawa ako kc sabi niya rd na yong papers ko para kasuhan
tapos yong subpoena ko daw dadaan pa sa brgy..tapos sabi ko na hindi ko kaya yang hiningi nyo
tapos nagagalit sakin. sinabihan ko na yong 10k ko daw mabayaran ko ba on kaagad. sabi ko oo
pero dapat may documents na ma issue to support para close na iyong account ko. iyon hindi na
tumawag. tama po ba iyong ginawa ko banker?
Reply
Replies

1.
BankerTuesday, March 27, 2012 at 2:37:00 PM GMT+8
belle,
TAMAH...

nagagalit
lol!

sila

dahil

hinde

ka

nila

puedeng

lokohin.

Reply

12.
miss piggyWednesday, March 28, 2012 at 12:44:00 AM GMT+8
Thank you Banker, eh paano na po yun? out na sila , kasi actually may writ na nga ako, so sino na
mangungulit
sakin,banko
na
ulit
,
or
free
na
ko
sa
stress,
Wala kasi napala sa akin ang DABU,saka siguro na check na nila na wla akong properties,
Reply
Replies

1.
BankerWednesday, March 28, 2012 at 5:40:00 AM GMT+8
Dabu
realizes
their
stupidity
when
they
filed
a
case.
http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.html
they
will
"follow-up"
pa
din.
so?
diskarte - do what you should do, Mr. Dabu. hehehe

2.
AnonymousWednesday, October 31, 2012 at 11:45:00 AM GMT+8
hi miss piggy.. i just want to ask regarding sa latest updates ng case mo with dabu..
as
of
october
2012?
dabu q.c. b ung tmtawag sau?

3.
yatzWednesday, October 31, 2012 at 11:48:00 AM GMT+8
ms. piggy, sken kc me bngay n cila pyment scheme ,but still dko parin kaya iafford
un
kc
sobra
laki.
mbabait nmn ung nkakausap ko sa DABU. last txt from dem was 2 weeks ago..
dpko ngre2ply. pero im still worried wat wud be deyr next move kc nga d ako
ngre2ply sa txts and not answering their cols.
Reply

13.

AnonymousWednesday, March 28, 2012 at 10:13:00 AM GMT+8

ds s belle parin banker, thanks sa reply. hehe...dito lang palagi akong palaging nag vivisit sa site
nato. dito nawawala lahat nang anxiety ko. imagin last december may tumawag sa police station
samin at sinabihan nila ako na may kaso daw ako na criminal case. sobrang takot ko nun kasi takot
na takot ang mom ko. pumunta pa iyong kagawad sa amin at sinabhan ako na may tumawag sakin.
pumunta ang police samin mabuti nalang hindi xa nakauniform at sinabihan ako na wag maniwala
sa mga manloloko. kc pag pumunta xa sa amin na nakaunform at naniwala sa tumawag
isusumbong ko talaga sila sa napolcom.hehe. at that time kc ako nag research eh dahil sa sobrang
takot at nakita ko ang blog na ito. mabuti nalang at nag katapang ako na harapin ang pananakot
nila. ngayon pag tumawag sila natatawa na lang ako kc sobrang affected nila para lang magkapera
sakin. sabi sakin nagalit daw yong si attorney sakin inihampas padaw yong pinto nang kotse at
dinala yong mga papers ko para kasuhan kc tinanong ko yong complete name nya at inlista ko
pa.hehe ayon legal staff daw xa at hindi na si attorney ang kumausap sakin...sabi pa nya pag may
sub poena daw ako dadaan padaw yon sa barangy. sabi ko mag subpoena ba na dadaan pa kang
sinong poncio pilato hindi didirekta sakin? hehe. hay salamat banker
Reply
14.
George TerryWednesday, March 28, 2012 at 12:05:00 PM GMT+8
This
Thanks for sharing.

is

very

good

information.

Reply
15.
AnonymousWednesday, March 28, 2012 at 3:35:00 PM GMT+8
Good day, banker. started reading threads and it is very informative. thank you. thank you.
i also have a default cc with unionbank, issued mga 2008, i was a good payor until my father passed
away mid 2012. shempre ginamit ko pa din card to help out with the wake and paid a month pa
after that, kaya lang, business went down that i sometimes can't pay for my own transpo fee.
anyway, they've been calling and harrassing me since last year. i told them i waiting for deals to be
closed para makabayad ako with the comm i'll get. eh wala pa talagang deals :(
as i can recall, mga 15k ang balance ko. as per the very harrassing ca, P96k na daw babayaran ko.
when i applied for that card, we were just renting in QC (we don't live there anymore) and yung
company
that
i
worked
for
nagclose
na
din.
na stress ako when i received a WARRANT NOTICE via text message that i committed a violation of
article 315 of the revised penal code blah blah.. that i need to coordinate with a certain atty to avoid
warrant
seizure.
i have a friend working with unionbank, so i tried asking help from her. she gave me a name and
number of a bank personnel. so when i called, ang offer sa kin is 50k one time payment OR ung 96k
pero 1 year to pay with 25k deposit. i told her that i have no means para sa ganyang settlement. i
have
intentions
to
pay
pero
sana
reasonable
amount
naman.
kanina they called again, kesyo i promised daw.. at mega sermon pa na bigyan ko daw ng respeto
sarili
ko...
i dont know how to settle with them kung di naman amenable yung hinihingi nila. btw, i didn't tell
them that i moved to a new address na.. mali din ba ko dun?

Reply
Replies

1.
BankerWednesday, March 28, 2012 at 5:56:00 PM GMT+8
aug23mky,
stop
hehehehe....
useless.
say
simple.

talking

to

the

those

magic

@##$$%

words.

2.
aug23mkyThursday, March 29, 2012 at 9:30:00 AM GMT+8
thanks
banker!
gawain
ko
yan!
yung post ni Ms Milli Reyes, very inspiring! nakakapagpalakas ng loob!
salamat! salamat! this blog is heaven-sent! ;)

3.
aug23mkyThursday, March 29, 2012 at 9:31:00 AM GMT+8
thanks
banker!
i
will
do
that!
nakakapagpalakas din ng loob yung post ni Ms Milli Reyes!
kahit gusto ko magbayad, kung ipipilit nila ang terms nila, kahit nga pigain ako,
wala
rin
akong
maibibigay!!!
:D
salamat! salamat! this blog is heaven-sent!
Reply

16.
tw1shWednesday, March 28, 2012 at 3:46:00 PM GMT+8
Muntik na po ako mahulog sa kinauupuan ko nung mabasa tong 2nd letter nila. 1st was a phone
call. i even thought na friend ko un from pinas na bibisita dito sa SG so sinagot ko ung tawag from
an unknown number. then he said he is Atty. Something and offering me to pay 24K cash or 6mos
to pay 47K. i never agreed but i told them to send it to my home address sa pinas so we can check it.
now they are emailing me at txting na nag-agree daw ako then they send this email below.
We regret to inform you that we will finally bring to court for judicial action the complaint against
you, due to your failure and refusal, without valid ground, to pay your DEBT to our client HSBC.
We will civilly charge you for collection of sum of money under the rule on Small Claims Cases,

which requires one (1) hearing only, and any court's decision rendered is immediately final and
non-appealable. Or to criminally prosecute you if legally warranted, for violation of Republic Act
8484 also known as Access Device Regulation Act of 1998 where defrauding of creditors is one of
the prohibited acts being penalized under the said Act. If you are interested in settling your account
before the date of filling of appropriate complaint in court, you may coordinate with Ms. Emmie
Baetiong of Molaer & Dele SernaLaw Offices at telephone number (02)7090450
Reply
Replies

1.
BankerWednesday, March 28, 2012 at 5:51:00 PM GMT+8
during
lol!

this

holy

week,

think

it

is

time

for

Emy

to

reflect.

2.
BankerWednesday, March 28, 2012 at 5:52:00 PM GMT+8
all threats ; no teeth.

3.
Yhan CMonday, July 15, 2013 at 9:43:00 AM GMT+8
OMG!!! I remember that name. sya yung tumatawag sa akin vefore. super kulit and
as I remember bastos sya kausap. yun lang :P
Reply

17.
AnonymousWednesday, March 28, 2012 at 3:53:00 PM GMT+8
Hi banker! May kakatawag lang po sakin n collector, as what I have learned here, humingi ako ng
SOA at authorization from the bank. True enough agad inemail sakin at finorward sakin yung email
from psbank, referral daw yun. Nkalagay name ko as the subject at mga amounts n di ko
maintindihan. Prang mga packages ata yun, may mga terms of payment at ilang interest ang addtnl
pg 12, 24,36 at 48 mos ang iaavail mo. May ganon po b tlaga na email from bank? O gawa lang nila
yun? Wla nman nka indicate n singilin ako, just computations lang at mga inerests nlalagay dun.. is
that the SOA n hinihingi ko? I doubt it galing sa employee ng psbank yung ganon...
Salamat
po
ng
marami!
- DINA
Reply
Replies

1.
BankerWednesday, March 28, 2012 at 5:54:00 PM GMT+8
dina,
saan
po
ang
di
mo
I will be glad to clarify it further.

ma-intindihan

sa

post

ko?

2.
AnonymousThursday, March 29, 2012 at 7:54:00 AM GMT+8
Hi banker, Dina po ulit! sorry po if i was not reading & understanding well ur post..
but im just confused s finorward n email sakin ng Guzman law office, its from
psbank, an endorsement full of computations.. what should i do or tell the ca?
Besides the forwarded email meron din po demand letter sinend, as usual they are
requiring me to coordinate & pay...

3.
BankerThursday, March 29, 2012 at 10:15:00 AM GMT+8
Dina, the above documents are needed to ensure that they are authorized and you
will
not
be
scammed.
a
short-cut
to
that
is
to
and/or dare their bluff - go ahead, sue me.

disregard

their

messages

4.
AnonymousThursday, March 29, 2012 at 10:44:00 AM GMT+8
Thank you so much banker. I already listed the documents n dapat hingin so that
pgtawag ulit ng CA enumerate ko s knya. This site really is a super big help. God
bless po, banker.
Reply

18.
aug23mkyWednesday, March 28, 2012 at 4:34:00 PM GMT+8
sorry banker, ako po ang nagpost ng AnonymousMar 28, 2012 12:35 AM, just to identify myself. :)
Reply

19.
Milli ReyesWednesday, March 28, 2012 at 5:17:00 PM GMT+8
hello everyone! came upon your site through my sister's advice. pareho din kasi kami struggling
with cc debts. i have an existing payment arrangement with hsbc (i made sure na hindi sa ca) to pay
out my balance na 104k. i deposited 16k then 7k for the next 12 months. grabe, bigat na bigat ako
especially as a solo parent with a take home pay of 22k lang. my sister has ignored mga ca so
nagdefault siya due to budget constraints din. iniisip ko tuloy sino mas tama ang ginagawa sa amin?
anyway, wanted to share a true story a cousin of mine shared with us a week ago. my cousin was at
the makati rtc waiting for their civil case to be heard and ang naunang case sa kanila is cc debt. yun
judge kinausap yung babaeng may utang at nang malaman na solo parent ito na 8k lang ang sweldo
ay dinismiss kagad ang case kasi sabi nga nung judge dun sa plaintiff, pigain mo man yan walang
mababayad
sayo!
hahaha...
more power to this blog :)
Reply
20.

Mae SeyerWednesday, March 28, 2012 at 6:01:00 PM GMT+8

somehow

my

post

did

not

appear

so

i'm

reposting

here...

came upon your site upon the recommendation of my sister, both of us struggling with cc debt. i got
a payment agreement with hsbc (yes not from their ca, i made sure)to settle my 104k debt by
depositing 16k last november and 7k for the next 12 months pero grabe hirap na hirap na ako being
a solo parent with a 22k take home pay. paano ko napagkasya yun 15k in the last 4 month is by
some kinda miracle. ang sister ko naman just keeps ignoring the ca's dahil din sa budget
constraints. ngayon naiisip ko sino kaya sa amin ang better ang ginagawa?
anyway, just wanted to share lang yun true story na kinwento ng pinsan ko last week. my cousin
was waiting for her turn sa makati rtc para sa isang kaso hinahandle niya dun and ang naunang
kaso sa kanila is credit card debt. nang tanungin nung judge yun babaeng may utang na over 200k
kung magkano sweldo niya at nalaman nun judge na 8k lang at solo parent pa at dinismiss na yung
kaso. sabi nung judge sa plaintiff, "wala ibabayad sayo yan kahit pigain mo! mas importante sa anak
na
lang
niya
gastusin
ang
pera!"
hahahaha!
more power to this blog!
Reply
Replies

1.
PJWednesday, April 4, 2012 at 12:05:00 PM GMT+8
Nice one. hehe
Reply

21.
AnonymousThursday, March 29, 2012 at 9:31:00 AM GMT+8
twish,
familiar sa akin yang Ms. Emmie Baetiong of Molaer & Dele SernaLaw Offices at telephone number
(02)7090450 yan ang collecting agency na unang nangharass sa akin dont mind them tama si
banker all threats ; no teeth. kasi ng sinabi ko sa kanya kung saan ang office at pupuntahan ko sya
maling address ang binigay sa akin after that na lipat na sa ibang collector ang account ko mas
mabangis until now araw araw ang tawag dito sa office namin bastos ever kung mahina ka talo ka
pero
dahil
kay
banker
keber
ahahaha
Julia
Reply
22.

PaoloThursday, March 29, 2012 at 11:57:00 AM GMT+8

I.
-

Collector's
2

Personal

valid Identification Cards ( Company ID

Authority
To
Perform
Specific
Approved
Assignment
of
Accounts
of

Data

and Government-issued ID)

Acts
as
Collectors
the
Collection
Agency

ano po yung authority to perform specific Acts as Collectors?

Reply
Replies

1.
BankerThursday, March 29, 2012 at 12:16:00 PM GMT+8
authorized ba siya mag-pirma ng Agreement? etc.
Reply

23.
AnonymousFriday, March 30, 2012 at 12:32:00 AM GMT+8
Hi banker I'm annedy I have cc debt with citi for almost 2 years na.problem if they filed already a
case against me would it reflect on my application for A tourist visa? Will be traveling this year and
I'm terribly afraid if it will reflect .by the way my cc account name was still when I was single and
now I'm married, my passport is already married. Any one pls help... Thanks!
Reply

24.
BankerFriday, March 30, 2012 at 4:44:00 AM GMT+8
annedy,
no
type mo "going abroad" doon - - - - >

problem.

Reply
25.
AnonymousFriday, March 30, 2012 at 10:31:00 PM GMT+8
Hi banker, I have salary loan 80k aed in emirates bank. I am working now pacific and planning to
migrate in Australia. I have lost all my copy of bank salary loan records. BILKISH gave me the
records from the bank the my account number and my account name. we agree that I will pay my
loan through bank to bank payment every month. After a week of payment,my beneficiary bank
called me that my money cannot be deposited to my emirates bank account because account name

is different account name to the account number and my beneficiary bank advised me to take my
money back to my account because it was a scam. Bilkish was called me why my payment didn't
reflect to my emirates account and I have told that they gave me the wrong account number. They
gave me another emirates account number assigned to name. I was wondering how could I have a
bank account that I was not in Dubai? Then I refuse to make a transaction to bilkish but now they
are still harassing me and my family in the Philippines by using the office of the OWWA and
barangay officials. Bilkish is still sending an email to me that they will hold my departure and they
will
sheriff
my
property
including
my
house.
Is
it
please

possible
to
give

be

happen
an

what
bilkish
advised

told
me
what

in

the
to

email?
do.

Marcel
Reply
26.
xynielleSaturday, March 31, 2012 at 6:09:00 PM GMT+8
good

day

to

all!

i wanted to share lang my experience regarding din sa cc ko last tuesday kase may pumunta din sa
hauz namin na 2 pulis daw, sinabi lang na may tumawag sa kanila to check if im still residing dun
sa address namin tapos may iniwan na papel sinulat dun name and address ko at may pinatatawan
na fiscal medina ng qc prosecutors offce branch 38 daw. sympre natako ako kase pulis na yun at
madami sinabi na baka next time eh warrant of arrest na daw dadalhin nila. but thanks sa blog dito
and specially kay dragon76 dahil naliwagan ako kase kanina tinawagan namin ang number na
iniwan pero ang sabi ng sumagot eh sa manila trial court daw yun at si fiscal medina ay sa branch
319, so ibig sabihin mali at hindi totoo ang sinasabi nila para lng maka pang harass eh gumagawa
sila
ng
kahit
na
anong
paraan
para
makacollect
sau.
qgain

thanks!

margot
Reply
27.
AnonymousSaturday, March 31, 2012 at 8:29:00 PM GMT+8
Hi

banker,

Question po kasi i received a summon for summary procedure, bakit hindi po ako pinatawag ng
court? ano po ba un? or after pa ng summary procedure un? thanks po.
Bella
Reply
Replies

1.
thereseWednesday, April 18, 2012 at 3:01:00 PM GMT+8
pwede ko bng itanong kung anong credit card yan? at ilang taon ng defaulted?
Reply

28.
BankerSunday, April 1, 2012 at 4:29:00 AM GMT+8
bella,
YAN na mismo ang "invitation" ng court.
Reply
29.
jhun1977Wednesday, April 4, 2012 at 10:53:00 PM GMT+8
Hello banker!I am glad nabasa ko po ito blog nu,at least kahit pano nakatulong sa problema ko sa
utang sa bangko..my credit cards at personal loan po ako, dati binabayaran kaso dahil natanggal po
ako sa trabaho last 2009 halos nde ko na po nbayaran ung mga utang ko kaya sa ayaw ko man ay
hindi ko na po nabayaran ang mga pagkakautang ko.Ang tanong ko po ay sana mabigyan nu ng mga
kasagutan.
1. ung personal loan ko po ay 4years worth 60thou, sa one year ng-issue po ako ng check under my
brother's name na nabayaran ko naman po kaya noong sumunod na taon cash na po ung sunod na
binabayad ko, then nawalan po ako ng job kaya hinde ko na po nahulugan kasi ung reconstruction
loan na suggest nila ay hindi ko din po kaya at sinabi ko po sa bank un kaso sabi nila hindi daw po
ako qualified sa promo nila. So umabot po ung utang ko ng P116thou, sa ganoon kalaki pera hindi
ko po talaga un mababayaran agad kaya hindi na po ako nakapagbayad. Mayron na po ba ako estafa
case
sa
korte?
2. ung po mga credit cards ko po hindi ko na po nabayaran halos triple na po ung babayaran ko
ayon sa mga sulat na ipinadala nila, un na po ba talaga ung babayaran ko at kailangan ko pa po ba
maging
qualified
sa
promo
nila
para
mareduce
ung
utang
ko?
3. At kung sakali po gusto ko po magtravel domestic man o abroad kaya po ba nila ako i-hold sa
airport
at
ikulong?
4. Puwede pa po ba ako kumuha ng nbi clearance? kasi baka pagdating ko po don sa nbi, may
nakalagay na arrest warrant baka ikulong agad nila ako. Natatakot po talaga ako sana po mabigyan
linaw
po
ninyo
ung
mga
kasagutan
ko.
Salamat po ng maraming,..God bless! ;-)
Reply
30.
AnonymousThursday, April 12, 2012 at 1:47:00 PM GMT+8

Hi Banker! May tanong lng po ako, ung sis ko kc nag request ng SOA sa Metrobank to know how
much pa balance nya kung meron man para makipag arrange to pay. After that they replied saying
Php 55.00 per page daw kung gusto nya request yon. Grabeeee naman pla sila, clearly they don't
want to show it in detail kc lilitaw ang totoo. So ang sagot lng ng Sis ko "I have been dealing with
other banks and they are not charging me for such request. A simple detailed proof that I still need
to pay the bank is all I ask for. No proof, no debt, no payment." Are there any instances na nangyari
na
kya
ito
sa
iba?
Just
thought
I'd
share
this.
Yung sa father ko naman dahil complete ang mga billing statement nya sa BPI since 1996 to present
naisipan nya compute all purchases, all bank charges or interests at lahat ng payments nya.
Lumitaw po na may overpayment sya ng P80k dahil nung may work pa sya lagi sya bayad ng bayad
ng credit card nya. Ngayon continuous parin send ng demand letter ung CA at offer na P435k na
daw ung utang nya. To think na may over payment pa nga sya eh. Should this be reported to BSP?
Pati kc sa HSBC nya may P40k pa sya overpayment eh pero still P400k daw ung utang nya ewan ko
lng paano nakarating ng ganun at di ko maintindihan ang computations nila. Ang tindi tlaga!!! Nag
email na sya sa kanila pero ayaw naman sagutin ung concern about over payment. As in deadma na
lng pag sila ang may kulang? para pag sila kung makapang harass eh akala mo kung sino. Ano po
say
nyo
Banker?
Thanks

po

sa

time!

Ms. K
Reply

31.
BankerThursday, April 12, 2012 at 2:01:00 PM GMT+8
collectors
an
simple
look
at
heheheh....

dont
even
know
how
an
SOA
SOA
is
a one
pager
statement detailing
your
MERALCO
bill
to
get

looks
your
an

like.
utang!
idea.

read mo Macalinao vs. BPI

Reply

32.
che-che burecheThursday, April 19, 2012 at 8:45:00 AM GMT+8
Hi. I just would like to ask for your thoughts on this. I have read a couple of entries here and was
impressed about the legal information I was reading about debts and all.
"si A nag guarantor kay B sa ibang nagpapautang @ 10% monthly interest. Nakakapagbayad si B
nung magkasama pa sila sa bahay ni A pero laging interest lang dahil sa financial challenges
involve. Nagkaroon sila ng malaking prob at naghiwalay ng landas. Since then hindi na nakapag
bayad si B ke A kahit interest. May times na hinaharass ni A si B sa wall nya sa fb at don naniningil.
Nakiusap si B na tigilan na ang ganon at tumigil naman si A lalo dahil nangako si B na magbabayad
kapag nakaluwag na. Walang trabaho ang asawa ni B, 3 anak nila at may kanser Nanay nya. Tuwing

sinisingil ni A si B thru email or fb, lagi lang nangangako si B na magbabayad. Hanggang

makarating sa ibang bansa si B. Hindi pa din sya nakakapag bayad at hindi na nakikipag
communicate kay A dahil sa obligasyon sa family at dahil na rin sa iniisip nya na parang habang
panahon na lang nyang bababayaran ay interest. Wala syang evidence pero may pakiramdam si B
na binayaran na ni A ung utang at gusto na lang syang pagkakitaan sa interest. Hanggang sa
harassin
na
naman
si
B
ni
A
sa
wall
nya
sa
fb.
The

agreement

was

never

in

written

and

formal

document.

Questions:
1. Can A use as evidence ang mga communication nila thru fb at email para sa pag amin or pag
acknowledge ni B ng obligations nya? Can A bring this to court for evidence? At anong kaso?
2.

Can

3.

What

use

the

are

the

messages
articles

on

her
of

wall
law

to
both

file

case

parties

of
can

harassment
use

in

to

A?

court?

4. Can A claim B's properties if any for the settlement of alledged obligation kahit walang written at
formal
docs?
Thanks for the enlightenment!
Reply
Replies

1.
BankerThursday, April 19, 2012 at 10:23:00 AM GMT+8
Hija,
1) A guarantor will ONLY pay if, by the use of due diligence, the debt cannot be
made
out
of
the
principal
debtor.
Why would the guarantor then pay if there is NOTHING TO SHOW that the lender
is
demanding
payment?
something
is
fishy.
2) FB - what cant you simply change your personal settings into "private"?

I think it was merely a love gone wrong hence binabawi na ang pera?
why dont you sit it out and talk as matured individuals on
any compromise arrangement?
Reply

33.
JobelleSaturday, May 5, 2012 at 7:44:00 AM GMT+8

Hi

Banker,

Thank you for helping people like me. I had RCBC Bankard Visa and Mastercard for more than 1
year but when I had a miscarriage (sadly my second one), i wasn't able to settle even the minimum
balance of both cards. I was out of work for 2 months and SSS Maternity benefit was not enough to
cover our basic needs. I am willing to settle the balance but I kept getting emails from a certain Law
Office demanding me to pay 16k outright. I ignored their emails for the simple reason that I could
not produce such amounts. The emails stopped but recently I received a call from certain Ronel of
Blah Blah Blah Law office. In all fairness, he was polite when he called me at work so I entertained
him. He offered me payment arrangement and discounts of the penalties and interest. He gave me
16k payable in 3 months. He asked me to sign an agreement that he will send at my work address. I
told him I will look into it but I asked him to send me my SOA first (which I learned from your Blog,
so thank you very much). He then replied saying that the Bank won't provide one because they
already have sent one and that they already processed the SOA before they forward my account to
the
external
agencies
or
law
office.
You were absolutely right Banker, they are just a bunch of clueless people. Good thing, we have you
to enlighten us of our rights. We are not criminals, we are just people who made mistakes and has
financial
difficulties.
Nonetheless, I am still willing to pay my debt but like what you mentioned, in my own terms :)
Thank you Banker!
Reply
34.
AnonymousThursday, May 10, 2012 at 2:25:00 PM GMT+8
hi

banker,

isa rin po ako sa mga may problema sa cc at sa mga collectors na yan. first time ko mapasok itong
blog site na ito at sobrang dami ko na natutunan. salamat at may banker na sumasagot sa aming
mga
katanungan.
the

best

ka

banker..

daig

mo

pa

si

boy

pickup..

boom!!

salamat
ovie
Reply
35.
AnonymousThursday, May 10, 2012 at 4:17:00 PM GMT+8
hello

banker,

gusto ko lang i-share ang nangyari sa akin today... i've been following your posts and forum since
2007 o 2008 when i became a defaulter and as i've mentioned before you really, really helped me a
lot.
thank
you!

anyway, after 4 years of no calls from collectors (because i've applied the diskarte i've learned
before), this Liezel called my new cell number and my company's number. am shocked coz i don't
know how they knew about these records (i have no post in FB, twitter, etc on these). at first,
kinabahan ako at nagkadandautal ako... as in... then sobrang kabado, kasi unexpected call kasi....
hayyssstttt...
ganun
pala
ang
feeling
pag
naunahan
ka
ng
takot...
next

time,

paghahandaan

ko

na

yan....

thanks again!
Reply
36.
AnonymousWednesday, July 4, 2012 at 3:45:00 PM GMT+8
hi

banker,

collectors are keep txting and calling and i keep ignoring them. ssampahan na nga daw ako ng
demanda
and
mag
ocular
sa
address
ko.
im planning to pay naman pero gusto ko sa banko na. hindi thru collectors kc laki ng patong. pag
nagbayd p ba ko khit small amount lng eh haharrasin pa din ako ng collectors.
Reply
37.
LantesTuesday, September 25, 2012 at 12:08:00 PM GMT+8
meron din po akong experience ngayon-ngayon lng po nangyari.tinawagan baranggay namin ng
ACCI.Anonuevo yata ang collection agency na yun. Sinabi nila sa baranggay na nagpapatulong sila
sa pag locate sakin at may affidavit of complain daw para sakin. ang baranggay tanod tumawag
naman sakin sa office. pinapatawag daw ako ay my binigay na number na 02-8069598.may nagtext
sakin at pinapabayad ako ng 26k para fully paid na daw ang cc ko sa metrobank.wla pa po kasi ako
ganun kalaking halaga.so i texted them back.had ask them SOA and Authorization from the bank
and even told them to stop calling our baranggay kasi parang nang haharass na sila.nagreply naman
po sila na they are not harrasing daw po proper coordination at cooperation lng daw ang ginagawa.i
texted them ulit and sabi ko kung hndi kayo nanghaharass ano yung sinabi nyo sa baranggay na
affidavit of complain,can you show me such.nagrply ulit sila at sabi super sensitive daw ako
knowing na ako daw ang may utang.sabi ko sa knila na alam ko ang utang ko at hndi ko yung
tinatalikuran.at sa banko na mismo ako makipag usap.
Reply
Replies

1.
BankerTuesday, September 25, 2012 at 2:13:00 PM GMT+8
wag
mo
hehehehe....

na

patulan

ang

mga

ganyang

klaseng

tao

kasi.

simply
tapos.

say

the

magic

word.

2.
LantesTuesday, September 25, 2012 at 2:31:00 PM GMT+8
Sir Banker, ask ko lng po sana kasi may pinirmahan na akong payment
arrangement sa Metrobank noon but failed to pay for two months now.pag may
pinirmahan ba makukulong yun?

3.
BankerTuesday, September 25, 2012 at 3:55:00 PM GMT+8
nope.
STOP
you are just giving the collector his monthly allowance.

PAYING.

Reply

38.
LantesTuesday, September 25, 2012 at 3:04:00 PM GMT+8
you are really a great help to people who has this CC paranoia.and for that thank you
banker.Godspeed!
Reply
39.
ChicaLokaThursday, October 4, 2012 at 11:40:00 AM GMT+8
Dear

Banker,

Need
your
advise
on
what
to
do
with
this.
Had received NOTICE of LEGAL ACTION from ENZI CORP. it stated as below:
Dear

Sir

Madam,

We regret to inform you that we will finally recommend to our client, MCC, your account for
JUDICIAL ACTION due to your failure, neglect and refusal without just and valid grounds to pay
your
ling
overdue
account.
With this judicial action, MCC will demand 25% of the accounts due as Attorneys fees, another 255
as collection charges/liquidated damages and ohter related litigation expenses.
We have tried to arrange an out of court settlement but you declined by failing to voluntarily pay
your just obligation. While the case is not yet filed, you have the chance to settle the account
directly wiht our client, thus avoiding the trouble of going through a costly judicial process.

Need

your

advise

on

this

po.

Please

help.

thanks po!
Reply
40.
Asha GilMonday, December 17, 2012 at 4:21:00 PM GMT+8
Banker,
i
never

first,
thought

bilib
ganito

ako
rin

at
hindi
ka
nasasawa
tumulong.
magging
problema
ko
like
others
here..

my situation is i think a bit 'advanced' already. indeed, me utang ako sa hsbc/eastwest.molaer &
dela serna contacted me with their "last and final demand"..i received the letter myself, and put a
different
(expired)
mobile
number
dun
sa
mail
man.
also, i advised my "kapitbahays" to tell future visitors that im no longer in this address 'because
nagtanan/lumayas
na
ako'
question is, dun ba sa expired number palang, mayayari na ako? pano nila ako 'kakasuhan', if ever?
and
lastly,

then,
how

can

sa
i

evade

'lumayas',

makakasuhan

mailman/collectors

who

caught

rin
me

at

ba

ako?

the

doorstep?

thank you so much, ang lapit na ng xmas 2012 vacation, and this is really wrong timing for me.
Reply
Replies

1.
BankerMonday, December 17, 2012 at 6:22:00 PM GMT+8
1.
collectors
filing
a
case?
2. evading them? just receive, sabay tapon.no big deal

they

can't!

2.
YuirenTuesday, January 15, 2013 at 9:38:00 AM GMT+8
To

Asha

Gil,

Grabe po mangharass ang collector ng Molaer na yan pti east west na collection
agency. ang ipipilit tlaga nila byadan ay un puro interes na. 30k kasi utang ko sa
eastwest ang pinapabayadan na skin last na nkausap ko ay nsa 70k na grabe. para
sa knila nlang pla ako magtratrabaho.sinu ba nman ang may gustong may utang na
di binabayaran.
Reply

41.
Des-san MickeyThursday, September 4, 2014 at 10:52:00 AM GMT+8
@yuiren..yes
grabe
ang
mga
collector
agency
ng
eastwest.
walang
modo.
pati sa FB nimessage ako.at tuloy tuloy pa rin ang pagsisend nila ng demand letters.lagi
sinasabi.this
is
final
letter..etc.
But i ignore all of it and deleted.period.