harassment from collecting agent

Good day atty, the last time I sent you a message it was when I told you that a collecting agent called our office looking for me, this is regarding my unpaid balance in my credit card na di ko na po nabayaran since last jan. 2010...which suprisingly bloated to almost 400k na daw po sabi nung agent...out of confusion and nervousness, di hinang ko po ung phone, and kept on denying na di ako yung hinahanap nila... ngayon po, may tumatawag na babae sa office using several names tapos sinasabing kailangan ko sya kausapin, lahat ng co-employee ko sinisigawan nya at pinagagalitan kapag tinatanong sya regarding saan ang pakay nya sa pagtawag.. napikon po ata kasi di nya ako makausap, sinigawan nya ung kasamahan ko at sinabing, "bakit ba ayaw nyo sya ipakausap sa akin, bakit nahihiya sya sa utang nya ha! sabihin nyo bayaran nya ung utang nya!".. sobrang napaparanoid na po ako kapag nagriring ang phone sa office, ganun din ginawa nung ibang collecting agency sa dati ko pinagtrabahuan kaya napilitan akong mag-resign noon.. paano ba naman po ako makikipag-negotiate sa mga ganung tao, e sobrang paninindak at pangmamata ang inaabot ko..

last week nga lang ay linigalig kami ng isang nagtatago sa pangalang eugene manigoy ng Vision services dahil sa unpaid HSBC card ng ka-ofcm8 ko. lahat ng nakakasagot sa phone, minumura nya, foul pa pinagsasabi nya. sinabihan xa ng hr namin na kung di titigil, gagawa na kami ng legal action... ngaun, d pa naman xa 2matawag

I called the collector's number, they said they are from AIQON UNI CORP. Sabi nila, ibinenta na daw ng bank ung mga accounts na may unpaid balances sa credit card, and they will be the one to run after the clients who have not paid the bank for so long...they gave me their website aiqoncapital.com problem is the said company is based in Malaysia, wala man lang nakalagay na Philippine office nila. When I also told the person na tawag ng tawag sa office namin that I am recording our conversation bigla niyang ipinasa sa supervisor daw nya, which is "weird", galing nilang mangharass kapag naman irerecord ko na ung conversation magpapasahan sila.

They are also asking me to deposit 5k sa isang account na ang account name lang is MASTERCARD, I said nga wala talaga ako kapera pera, so they agreed kahit 1k lang daw magdeposit ako just to activate daw my account. Then I asked them to send me thru mail ng details about the said balances na sinisingil nila sa akin.

Atty., question ko lang po, is it legal? I mean, ung credit card company to sell mga unpaid debts sa kanila ng clients? Honestly, kinakabahan ako magbayad sa collector na un, kasi I haven't heard anything from the television or newspaper na the bank sold it to a certain Aiqon Uni Corp. What is more questionable is does this collecting office have the right to force me to pay, since sa bank ako may utang at hindi sa kanila (they just came into the picture just now). Hope you can enlighten me. Thank you.

yes, it is legal. but you have the right to demand for proof that they actually acquired the rights over your debt. ask the credit card company to confirm

IM wrote:Good day atty, the last time I sent you a message it was when I told you that a collecting agent called our office looking for me, this is regarding my unpaid balance in my credit card na di ko na po nabayaran since last jan. 2010...which suprisingly bloated to almost 400k na daw po sabi nung agent...out of confusion and nervousness, di hinang ko po ung phone, and kept on denying na di ako yung hinahanap nila... ngayon po, may tumatawag na babae sa office using several names tapos sinasabing kailangan ko sya kausapin, lahat ng co-employee ko sinisigawan nya at pinagagalitan kapag tinatanong sya regarding saan ang pakay nya sa pagtawag.. napikon po ata kasi di nya ako makausap, sinigawan nya ung kasamahan ko at sinabing, "bakit ba ayaw nyo sya ipakausap sa akin, bakit nahihiya sya sa utang nya ha! sabihin nyo bayaran nya ung utang nya!".. sobrang napaparanoid na po ako kapag nagriring ang phone sa office, ganun din ginawa nung ibang collecting agency sa dati ko pinagtrabahuan kaya napilitan akong mag-resign noon.. paano ba naman po ako makikipag-negotiate sa mga ganung tao, e sobrang paninindak at pangmamata ang inaabot ko..

I understand na tao ka lang at natakot ka siguro. pero tao rin lang ang tumatawag sa iyo at nagagalit siya dahil dati nakakausap ka niya at ngayon sobrang obvious na "hiding" ka.

Kung ayaw mo ma feel yan na takot at kaba. be a man. face the debt. work with the agent. be patient. and if you are working with the agent at binabastos ka parin, saka ka magalit.

try mo kaya tumawag sa isang tao na kailangan mo kausapin tapos alam mo na tinataguan ka, tapos may utang sa iyo at kailangan mo na pera mo, hindi ka magagalit?

bakit bloated yung amount? tinanong mo ba?

someone is just doing their job to call and explain to you, you didn't like what the amount of your utang was so you hang up and not even ask why?

you provoke the person by hiding and screening your calls through your office mates, you pretend to be somebody else even if they know its you(collection calls are recorded)

sabay sasabihin mo "paano ba naman po ako makikipag-negotiate sa mga ganung tao, e sobrang paninindak at pangmamata ang inaabot ko"

seryoso ka ba? sorry may mali yung kolektor, pero may mali ka rin

may pag kukulang ka sa senaryo. ginamit mo ang card ng hndi ka man lng kinabahan. now ganyan na ang inaabot mo sa paninigil sau? eh saka ka kakabahan. anyway natural lng na singilin ang inutang na halaga. ikaw man ang may ari ng credit card comp. at ako client mo, gamitin ko at i maximized ang credit limit saka kita pag taguan at i denied ko sarili ko sayu? diba magagalit ka din? anyway about sa agent comp na naniningil sau. infact. ang ate ko ay nakapag trabaho sa ganyang nature ng trabaho. obligasyon nila na i hunt ang sino mang mga nag tatago or hndi na mahagilap na mga tao na gumait ng credit card at pinag taguan na lng dahil hndi na kyang bayaran at hndi na hinarap ang obligasyon s apag babayad. even mga instalement at delquent na mga motor cycle na hndi na din mahagilap ang kumuha ay sa ganung agent comp na din nka turn over. kahit mga salary loan na di din nabyadan ng taong nag laho sa comp ay sa kanila na din nka nka obliga. according to may sister kya ganun ka sugid maningil ang agent at ganun ka eager na ma hunting ka? its bcoz may comision ang bawat agent sa masisingil nila b4 nila i remit ang na singil sa inutangan. may limit ang sytem nila ng paninignil but may cae na umaabot sa arestohan mismo s alugar na pinag tratrabahuhan. i dnt knw if legal yun pero sa case ng sister ko non. may isa dw silang na hunt non. na ang lakas ng loob pa mag denied sa sarili at tago ng tago kahit sa pinaka mabuti at maayos na paraan na ang ofer nila ng terms of payment. yung sinisingil pa dw ang matapang. ayun 1 day. pulis na nag punta sa ofc nila dahil tipong pa tigasan ang gusto nung sinisigil. the best thing according to my sister sa ganyan. mag promisory at payag naman dw ang mga ganyan sa pinaka magaang terms ng bayaran.

IM wrote:I called the collector's number, they said they are from AIQON UNI CORP. Sabi nila, ibinenta na daw ng bank ung mga accounts na may unpaid balances sa credit card, and they will be the one to run after the clients who have not paid the bank for so long...they gave me their website aiqoncapital.com problem is the said company is based in Malaysia, wala man lang nakalagay na Philippine office nila. When I also told the person na tawag ng tawag sa office namin that I am recording our conversation bigla niyang ipinasa sa supervisor daw nya, which is "weird", galing nilang mangharass kapag naman irerecord ko na ung conversation magpapasahan sila.

They are also asking me to deposit 5k sa isang account na ang account name lang is MASTERCARD, I said nga wala talaga ako kapera pera, so they agreed kahit 1k lang daw magdeposit ako just to activate daw my account. Then I asked them to send me thru mail ng details about the said balances na sinisingil nila sa akin.

Atty., question ko lang po, is it legal? I mean, ung credit card company to sell mga unpaid debts sa kanila ng clients? Honestly, kinakabahan ako magbayad sa collector na un, kasi I haven't heard anything from the television or newspaper na the bank sold it to a certain Aiqon Uni Corp. What is more questionable is does this collecting office have the right to force me to pay, since sa bank ako may utang at hindi sa kanila (they just came into the picture just now). Hope you can enlighten me. Thank you.

You obviously stopped opening your mail from standard chartered bank the moment you stopped paying them. on of the letters that standard sent you was a letter telling you that the account has been sold to aiqon. therefore sa aiqon ka na may utang at hindi sa standard charted bank.

kung wala kang natanggap sa sulat that means you did not inform the bank of any changes in your address, hence automatically people collecting your debt would thing you are hiding.

I suggest you update your details, address and phone number, and BE RESPONSIBLE. talking to the agent doesn't mean you are paying. work with them, be patient and eventually you will agree on a realistic plan.