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 CollectorPosted byBankerat5:40 AM84 comments:1. AnonymousMonday, March 26, 2012 at 11:56:00 AM GMT+8banker,

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...

JuliaReplyReplies1. BankerMonday, March 26, 2012 at 2:26:00 PM GMT+8http://failuretopaycreditcard.blogspot.com/2010/09/calls.html

http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-of-collectors.html2. aleli_malditaWednesday, May 9, 2012 at 5:50:00 PM GMT+8ganito 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+8aleli,may mali ba sa aking ginagawa?mali ba na sasabihan ko ang mga tao namaraming SWINDLERS?

sorry po!kung walang tao na maloloko ninyo.4. AnonymousThursday, May 10, 2012 at 5:54:00 AM GMT+8Banker si aLeli ba ay collector? Baket naremoved yung comment mo?5. BankerThursday, May 10, 2012 at 10:24:00 AM GMT+8I dont want to discuss intelligently with intelligence-challenged individual like collectors.baka ma-MTRCB tayo like T3.hehehehehReply2. AnonymousMonday, March 26, 2012 at 3:29:00 PM GMT+8Hi 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 ko lng po if anyone here experienced the same situation?

Thanks po sa time! God bless!

Ms. KReplyReplies1. BankerMonday, March 26, 2012 at 3:47:00 PM GMT+8hahaha...lumang style na yan ng collectors!tell the barangay and everybody else na"naloko lang kayo"!in fact, yung nag text ang liable for Art. 315Swindling yun!:))2. mommy annMonday, March 26, 2012 at 11:24:00 PM GMT+8Good evening Banker and Ms. K

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, 02-782-9552/0917-901-2769 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 ann3. AnonymousTuesday, March 27, 2012 at 1:44:00 PM GMT+8Mommy 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. K4. mommy annWednesday, March 28, 2012 at 11:34:00 PM GMT+8Good 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 Ann5. mommy annWednesday, March 28, 2012 at 11:52:00 PM GMT+8Ms. 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 AnnReply3. AnonymousMonday, March 26, 2012 at 3:57:00 PM GMT+8Ganun 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. KReplyReplies1. BankerMonday, March 26, 2012 at 4:37:00 PM GMT+8I cannot answer for her.ask her na lang.:)2. dragon76Monday, March 26, 2012 at 4:39:00 PM GMT+8ca will do more than that. nagsisimula ka pa lang. Take a step ahead.Read ad learn para equipped ka na sa mga susunod na pangyayariReply4. 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.ReplyReplies1. aleli_malditaWednesday, May 9, 2012 at 5:50:00 PM GMT+8mga sira ulo2. BankerWednesday, May 9, 2012 at 6:54:00 PM GMT+8aleli,my dear, saan po ba ang mali dito?kayo kasi....kung anong legal ek-ek pa sinasabi ninyo.why dont you just do it legally?sira ulo ba yan?Reply5. planterTuesday, March 27, 2012 at 2:43:00 AM GMT+8Banker,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.Reply6. 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.ReplyReplies1. BankerTuesday, March 27, 2012 at 6:01:00 AM GMT+8at AUTHORIZED sila to collect from you.heheheReply7. AnonymousTuesday, March 27, 2012 at 7:48:00 AM GMT+8Thanks 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. KReply8. breadwinnerTuesday, March 27, 2012 at 8:46:00 AM GMT+8Hi 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

- breadwinnerReplyReplies1. BankerTuesday, March 27, 2012 at 9:51:00 AM GMT+8yes. type mo sa search box "bp 22" doon - - - - - >2. breadwinnerThursday, March 29, 2012 at 4:09:00 PM GMT+8hi 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+8not necessarily.just attend when invited.yan lang po ang requirement.4. breadwinnerFriday, March 30, 2012 at 4:23:00 PM GMT+8ok po thank you very much po banker.Reply9. dragon76Tuesday, March 27, 2012 at 9:56:00 AM GMT+8answer to your question is "yes". Search mo dito sa blog about BP22 to know what you have to doReply10. Miss piggyTuesday, March 27, 2012 at 12:38:00 PM GMT+8Good morning po sa lahat,ask ko lang ano meaning ng letter na received ko from DABU,

WITHDRAWAL OF 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 City for Makati City 12 March 2012

DABU & ASSOCIATES

page 2

Copy furnished

MISS PIGGYaddress

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,ReplyReplies1. BankerTuesday, March 27, 2012 at 2:35:00 PM GMT+8it's like saying Justice Cuevas has resigned as lawyer of CJ Corona.:)Reply11. AnonymousTuesday, March 27, 2012 at 1:03:00 PM GMT+8hi 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?ReplyReplies1. BankerTuesday, March 27, 2012 at 2:37:00 PM GMT+8belle,TAMAH...nagagalit sila dahil hinde ka nila puedeng lokohin.lol!Reply12. miss piggyWednesday, March 28, 2012 at 12:44:00 AM GMT+8Thank 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,ReplyReplies1. BankerWednesday, March 28, 2012 at 5:40:00 AM GMT+8Dabu realizes their stupidity when they filed a case.http://failuretopaycreditcard.blogspot.com/2010/11/threats-of-suing-you.htmlthey will "follow-up" pa din.so?diskarte - do what you should do, Mr. Dabu. hehehe2. AnonymousWednesday, October 31, 2012 at 11:45:00 AM GMT+8hi 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+8ms. 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.Reply13. AnonymousWednesday, March 28, 2012 at 10:13:00 AM GMT+8ds 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 bankerReply14. George TerryWednesday, March 28, 2012 at 12:05:00 PM GMT+8This is very good information.Thanks for sharing.Reply15. AnonymousWednesday, March 28, 2012 at 3:35:00 PM GMT+8Good 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?ReplyReplies1. BankerWednesday, March 28, 2012 at 5:56:00 PM GMT+8aug23mky,stop talking to those @##$$%hehehehe....useless.say the magic words.simple.2. aug23mkyThursday, March 29, 2012 at 9:30:00 AM GMT+8thanks 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+8thanks 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!Reply16. tw1shWednesday, March 28, 2012 at 3:46:00 PM GMT+8Muntik 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)7090450ReplyReplies1. BankerWednesday, March 28, 2012 at 5:51:00 PM GMT+8during this holy week, I think it is time for Emy to reflect.lol!2. BankerWednesday, March 28, 2012 at 5:52:00 PM GMT+8all threats ; no teeth.3. Yhan CMonday, July 15, 2013 at 9:43:00 AM GMT+8OMG!!! I remember that name. sya yung tumatawag sa akin vefore. super kulit and as I remember bastos sya kausap. yun lang :PReply17. AnonymousWednesday, March 28, 2012 at 3:53:00 PM GMT+8Hi 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!

- DINAReplyReplies1. BankerWednesday, March 28, 2012 at 5:54:00 PM GMT+8dina,saan po ang di mo ma-intindihan sa post ko?I will be glad to clarify it further.2. AnonymousThursday, March 29, 2012 at 7:54:00 AM GMT+8Hi 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+8Dina, the above documents are needed to ensure that they are authorized and you will not be scammed.

a short-cut to that is to disregard their messagesand/or dare their bluff - go ahead, sue me.4. AnonymousThursday, March 29, 2012 at 10:44:00 AM GMT+8Thank 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.Reply18. aug23mkyWednesday, March 28, 2012 at 4:34:00 PM GMT+8sorry banker, ako po ang nagpost ng AnonymousMar 28, 2012 12:35 AM, just to identify myself. :)Reply19. Milli ReyesWednesday, March 28, 2012 at 5:17:00 PM GMT+8hello 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 :)Reply20. Mae SeyerWednesday, March 28, 2012 at 6:01:00 PM GMT+8somehow 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!ReplyReplies1. PJWednesday, April 4, 2012 at 12:05:00 PM GMT+8Nice one. heheReply21. AnonymousThursday, March 29, 2012 at 9:31:00 AM GMT+8twish,

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

JuliaReply22. PaoloThursday, March 29, 2012 at 11:57:00 AM GMT+8I. 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

ano po yung authority to perform specific Acts as Collectors?ReplyReplies1. BankerThursday, March 29, 2012 at 12:16:00 PM GMT+8authorized ba siya mag-pirma ng Agreement? etc.Reply23. AnonymousFriday, March 30, 2012 at 12:32:00 AM GMT+8Hi 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!Reply24. BankerFriday, March 30, 2012 at 4:44:00 AM GMT+8annedy,no problem.type mo "going abroad" doon - - - - >Reply25. AnonymousFriday, March 30, 2012 at 10:31:00 PM GMT+8Hi 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 possible to be happen what bilkish told me in the email?please give an advised what to do.

MarcelReply26. xynielleSaturday, March 31, 2012 at 6:09:00 PM GMT+8good 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!

margotReply27. AnonymousSaturday, March 31, 2012 at 8:29:00 PM GMT+8Hi 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.

BellaReplyReplies1. thereseWednesday, April 18, 2012 at 3:01:00 PM GMT+8pwede ko bng itanong kung anong credit card yan? at ilang taon ng defaulted?Reply28. BankerSunday, April 1, 2012 at 4:29:00 AM GMT+8bella,YAN na mismo ang "invitation" ng court.Reply29. jhun1977Wednesday, April 4, 2012 at 10:53:00 PM GMT+8Hello 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! ;-)Reply30. AnonymousThursday, April 12, 2012 at 1:47:00 PM GMT+8Hi 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. KReply31. BankerThursday, April 12, 2012 at 2:01:00 PM GMT+8collectors dont even know how an SOA looks like.an simple SOA is aone pager statementdetailing your utang!look at your MERALCO bill to get an idea.heheheh....

read mo Macalinao vs. BPIReply32. che-che burecheThursday, April 19, 2012 at 8:45:00 AM GMT+8Hi. 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 B use the messages on her wall to file a case of harassment to A?

3. What are the articles of law both parties can use in 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!ReplyReplies1. BankerThursday, April 19, 2012 at 10:23:00 AM GMT+8Hija,

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 onany compromise arrangement?Reply33. JobelleSaturday, May 5, 2012 at 7:44:00 AM GMT+8Hi 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!Reply34. AnonymousThursday, May 10, 2012 at 2:25:00 PM GMT+8hi 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!!

salamatovieReply35. AnonymousThursday, May 10, 2012 at 4:17:00 PM GMT+8hello 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!Reply36. AnonymousWednesday, July 4, 2012 at 3:45:00 PM GMT+8hi 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.Reply37. LantesTuesday, September 25, 2012 at 12:08:00 PM GMT+8meron 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.ReplyReplies1. BankerTuesday, September 25, 2012 at 2:13:00 PM GMT+8wag mo na patulan ang mga ganyang klaseng tao kasi.hehehehe....simply say the magic word.tapos.2. LantesTuesday, September 25, 2012 at 2:31:00 PM GMT+8Sir 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+8nope. STOP PAYING.you are just giving the collector his monthly allowance.Reply38. LantesTuesday, September 25, 2012 at 3:04:00 PM GMT+8you are really a great help to people who has this CC paranoia.and for that thank you banker.Godspeed!Reply39. ChicaLokaThursday, October 4, 2012 at 11:40:00 AM GMT+8Dear 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!Reply40. Asha GilMonday, December 17, 2012 at 4:21:00 PM GMT+8Banker, first, bilib ako at hindi ka nasasawa tumulong.i never thought ganito rin 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 then, sa 'lumayas', makakasuhan rin ba ako?

lastly, how can i evade mailman/collectors who caught me at the doorstep?

thank you so much, ang lapit na ng xmas 2012 vacation, and this is really wrong timing for me.ReplyReplies1. BankerMonday, December 17, 2012 at 6:22:00 PM GMT+81. collectors filing a case? they can't!2. evading them? just receive, sabay tapon.no big deal2. YuirenTuesday, January 15, 2013 at 9:38:00 AM GMT+8To 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.Reply41. 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.