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Credit Card Payment Problem

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kizzabianca2
Angela10
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101loan - Credit Card Payment Problem - Page 5 Empty Data Privacy Concern Mon Jun 18, 2018 10:42 pm

lonelyboi


Arresto Menor

Hi.
Meron akong credit card na hindi nabayaran way back 2010 or 2011 due to a financial crisis. After a few bank statements, nakatanggap ako card termination notice galing sa banko at yun na yun. Feeling ko nga nakalimutan na ako ng banko kasi madaming beses ako tumawag sa kanila before at humingi ng amnesty or loan structuring man lang at sinabihan ako ng mga agents nila na wala silang magagawa kasi active pa yung card ko.
I kept my number and email since then but still walang kahit anong contact from the bank.
Last year, I tried to file a loan sa bank. Housing loan sana so kinolekta nila contact details ko then tinawagan ako ng loan officer at sabi may hit daw ako, pero try nya pa din daw ipa-approve. All of the sudden, may nag email sa akin. Mukhang collection agency, asking me about dun sa credit card ko na 7 years na atang nananahimik. Sabi ko tatawagan naman ako ng bank if ever kasi same number pa din gamit ko. Then lumipas ang isang taon, bwenas na nakapag abroad. Same bank na inaapplyan ko ng loan nagpa update ng contact details, so nag update ako in good faith. Bago na number ko kasi nga nasa abroad na. Eto na, me tumawag bigla, collection agency. Kinauaap ko naman ng maayos at willing naman ako mag settle kasi nga medyo kaya na. Ang problema ko lang, bakit yung details ko na alam ng bank ng credit card ko - di nila ako makontak, samantalang yung bagong number, nakuha nila agad. Saka timing sa credit check yung pag tawag ng collection agency.

Tanong ko lang po, pwede ba ako mag habol sa breach ng information privacy ko? May nag advise na din sa akin na kontakin ko daw national privacy commission. Gusto ko lang sana malaman kung may legal merit yung situation ko?

Salamat!

102loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Fri Jun 22, 2018 4:36 am

arnoldventura


Reclusion Perpetua

Sir Pepe. Ako po may pagkakautang at may kasulatan kami. Halagang 40k at ang usapan namin bago mag December mgbbyad ako kaso wala pa ako nabayad kasi nawalan ako ng ktrabaho. Pwede nia ba ako idemanda?

Pwede. Yun ang legal remedy na pwedeng i-avail creditor mo kung talagang hindi ka makakabayad sa kanya. https://www.alburovillanueva.com/proven-ways-debt-collection

103loan - Credit Card Payment Problem - Page 5 Empty Unpaid credit card Sat Jul 07, 2018 12:34 pm

Angelofmine008


Arresto Menor

Good pm panu po kaya un sa aken
Nasa 114k last bill ko na balance lahat
Nagoadala na saken telan law firm na kailangan withnin five days maisettle ko to avoid inconvinience litigation and pamamahiya nila
Sa ngaun wala po akong ibabayad
Ayaw naman pumayag ng card na 5 years ko bayaran
Kase madami po ako binabayaran
Anu po kaya maganda
Madedenda ba agad nila ako?

104loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Tue Sep 11, 2018 6:41 am

Sanding


Arresto Menor

@kizzabianca2

Hello po ask ko lang ano na po nngyri dito sa inyo? Kami kasi my summon nrin and for hearing na.

105loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Thu Oct 04, 2018 1:15 pm

tetpi


Arresto Menor

Good day. Pahelp naman po akp. I need your advice po talaga. Meron po akong utang sa cc na umabot na daw po ng 700k as per sa mga nakakausap ko na tumatawag saken. Sobrang laki nun at di ko talaga kayang bayadan. Sobeang nahihirapan na ko lase tawag sila ng tawag at panay padala ng mga demand letters. Tinatakot pa nila ko na sasampahan daw ako ng kaso at makukulong ako or kukunin nila mga propreties ko. Pati mga family ko nadadamay na. Pahelp naman po kung ano magandang gawin. Sobrang naistressed na po kase talaga ako di ko na alam gagawin ko. Meron naman tumatawag na bayadan ko daw monthly pero ang taas ng monthly. Di ko din kayang bayadan. Kinausap ko kung pwedeng babaan hindi daw pwede. Please help me. Sobrang misirable na ng buhau kp dahil dito Sad

106loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Thu Oct 04, 2018 1:45 pm

xtianjames


Reclusion Perpetua

kung wala ka naman pangbayad, then just advise the collectors to proceed filing their case in court at dun mo na lang sila harapin at tigilan ka sa panggugulo nila.

107loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Thu Oct 04, 2018 2:07 pm

tetpi


Arresto Menor

xtianjames wrote:kung wala ka naman pangbayad, then just advise the collectors to proceed filing their case in court at dun mo na lang sila harapin at tigilan ka sa panggugulo nila.

Opo wala talaga kong pambayad sa ngayon. Kaya nga po want ko kahit mag monthly na lang kahit sobrang tagal pa bago ko mabayadan sa amount na kaya at maluwag ara saken atleast willing ako magbayad. Di ko na lase talaga alam gagawin kon sino ba dapat long kausapin? Yung bank o yung law firm/collection agency?

108loan - Credit Card Payment Problem - Page 5 Empty Re: Credit Card Payment Problem Thu Oct 04, 2018 5:02 pm

xtianjames


Reclusion Perpetua

^unfortunately, mahihirapan ka mapapayag sila sa terms na gusto mo. Your best bet is this case to raise the court at hayaang ang court ang magtakda ng acceptable terms na mababayaran mo sila.

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