Totoo po ba na Walang Nakukulong pag di nakabayad ng Credit card?

Gud day attorney & moderators,
I have a credit card at bdo amounting to 27,398.96 last april 2010. nagbayad ako partial 2k so naging 25,398.96..ung collection agency (armcollections) na isang law firm d naman prinocess ung terms nmin na 6mos to pay w/o interest. last august may tumawag sakin ibang law firm(maynigo lawfirm) nman at ang utang ko sa credit card ay naging 38k na pro if i'll pay w/in 2months ididscount na nila ung attorneys fees na 8k + 3k discount pa tpos pay ko nlng total 27,584. ito po ung details august 16 pay ako 13,792 & by sept. 16 pay ako 13,792 pro sa BDO billing statement ko 16791.96 pa din..lumilitaw na di nagcoordinate sa BDO ung collection law firm abt sa usapan nmin.. I just called bdo sbi "Closed Account" na daw ito. wala ako job ngaun at ung pangbayad ko sa credit card inutang ko sa mom ko..may bayarin pko sa pag-ibig..pls guide me if totoo na walang nakukulong sa di pagbabayad ng credit card ok lang naman din sakin mailista ako sa credit card watch list DI na ako kukuha ng credit crad. May housing loan ako sa pag-ibig natransfer na title sa name ko kc good payer ako last 2 years but now may balance ako na 2 months laging 1month lang kya ko bayaran, may nabasa ako na pede kumuha sakin ng properties ang bank/collection agency if i cant pay cash..pede po ba un eh nsa pag-big pa ung original title ko kc 17years ko pa totally mabayaran loan ko. ok lng po na ggamitin ko nlng sa family ko ung inutang ko na pambayad. tlgang walang wala ako ngaun. thank you po.

as long as you don't change your office and residence address, there will be no presumption of fraud and a criminal case will probably not prosper.

they have a right to initiate a collection payment though. good luck.

what do you mean po na office address? no job po ako ngaun. abt residence address nsa process na po na maibenta un kaya di nako titira dun..panu po makakasuhan na po ba nila ako ng criminal case at fraud? thank u po.

***as long as you don't change your office and residence address, there will be no presumption of fraud and a criminal case will probably not prosper.

they have a right to initiate a collection payment though. good luck.[/quote]

from RA 8484, access device regulations act:

A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.

matagal na po ako resigned sa last company ko since Nov 2008 pa & ung credit card ay nactivate oct. 2008. liable na po ba ako sa "prima facie" (anu po ito) eh this year lang po ako naging delinquent. pls help. thanks again..

prima facie meaning first look, or on its face. it means you are presumed to have committed fraud.

there are consequences either way. they'll bug you at work if you inform them, but if you don't you leave yourself legally vulnerable to this.

gandang araw po may utang p ako sa credit card, nawalan po ako ng work as of now grabe pa din financial problem ko.. may mga tumatawag at nagpupunta sakin tao, tama po ba na iharass nila ako at takutin,. hinaharap ko naman sila , paano po kung may kasamang pulis ano ang gagawin ko.. please need ur legal advice

failure to pay a debt is not a crime. just don't change residence or office without informing the credit card company

just want to clarify po.. dalawang case po ito.. sa akin tsaka sa bf ko.. nawalan po kami ng work.. we each have our own credit card.. i had citiback and bdo, he has hsbc and east west.. i was able to fully pay my citibank little by little.. i am struggling with my bdo.. yung bf ko naman, struggling sa lahat.. yung hsbc niya, somehow reached 75k.. makukulong ba siya or makakasuhan? how about me po? existing balance ko po is 33k.. yung bf ko, existing balance niya sa hsbc is 75k tapos sa east west is around 20-30k.. paki enlighten naman po.. and how do we go about requesting them to give us a fixed total amount then we do payment arrangements?

you just have to keep negotiating with the bank

Kindly refer also to the provision of small claims court for credits of 100k and below. This is a summary procedure and fast.

In any situation, you can always negotiate with the bank to pay a discounted amount. As much as you wanted to erase your debt, the bank also wanted to reduce its risk.

Hello Attorney,

May tanong lang po ako. May naiwan po kasi akong loan at credit card dues sa Dubai 5 years ago. Makakapekto po ba yon sa apply ko sa canada kc sabi nila nakaBAN na ako sa United Arab Emirates.

Salamat po,

ChildrensDuty wrote:just want to clarify po.. dalawang case po ito.. sa akin tsaka sa bf ko.. nawalan po kami ng work.. we each have our own credit card.. i had citiback and bdo, he has hsbc and east west.. i was able to fully pay my citibank little by little.. i am struggling with my bdo.. yung bf ko naman, struggling sa lahat.. yung hsbc niya, somehow reached 75k.. makukulong ba siya or makakasuhan? how about me po? existing balance ko po is 33k.. yung bf ko, existing balance niya sa hsbc is 75k tapos sa east west is around 20-30k.. paki enlighten naman po.. and how do we go about requesting them to give us a fixed total amount then we do payment arrangements?

I had a credit card then almost 5 years na hindi ko nabayaran then ngayon i got a letter from legal of HSBC so my charged daw was 99K then they offered me to pay 8650 para ma settle daw so they sent me a letter then after i got a letter i sent a copy to HSBC to verify if it is legal so the the HSBC told me its legal daw so i paid the said amount to HSBC bank then after three days I got a certificate from HBSC

"I had a credit card then almost 5 years na hindi ko nabayaran then ngayon i got a letter from legal of HSBC so my charged daw was 99K then they offered me to pay 8650 para ma settle daw so they sent me a letter then after i got a letter i sent a copy to HSBC to verify if it is legal so the the HSBC told me its legal daw so i paid the said amount to HSBC bank then after three days I got a certificate from HBSC"

ganyan din po ang sa mga ka-ofc m8 q, ung isa 10 years na ung utang, nagpadala ang bank na 12k nalang ang bayaran out of 1.5 million na balanse dahil lumobo na sa loob ng maraming taon. ung sakin mag-1 yr palang, sana nga pumayag ung collecting agency na principal amt nalang ang bayaran ko.

IF I WERE YOU DON'T PAY THE PRINCIPAL YOU PAY NALANG LESSER FROM THE PRINCIPAL SA AKIN NGA 1/4 SA PRINCIPAL LANG....PARA MAKABAWI NAMAN TAYO SA MGA PENALTY AND FINANCE CHARGES WHILE WE USED THAT BEFORE...

chiasa_kitana wrote:"I had a credit card then almost 5 years na hindi ko nabayaran then ngayon i got a letter from legal of HSBC so my charged daw was 99K then they offered me to pay 8650 para ma settle daw so they sent me a letter then after i got a letter i sent a copy to HSBC to verify if it is legal so the the HSBC told me its legal daw so i paid the said amount to HSBC bank then after three days I got a certificate from HBSC"

ganyan din po ang sa mga ka-ofc m8 q, ung isa 10 years na ung utang, nagpadala ang bank na 12k nalang ang bayaran out of 1.5 million na balanse dahil lumobo na sa loob ng maraming taon. ung sakin mag-1 yr palang, sana nga pumayag ung collecting agency na principal amt nalang ang bayaran ko.

hi attorney

i have a bdo cc since 2010.na-exceed ko na po ang limit niya, nun una binabayaran ko siya montly come middle of 2011 natigil na po kasi due to financial crisis so ngkaroon ng interest at penalty na po ako s kanila hanggang sa na-turn over na sa collection agency.marami na po akong mga demand letters,phone threats, mga brgy at sheriff na tawagan ko raw sila at mga bp 22 filing case,etc lahat yan hindi ko pinansin.sa tagal tumigil rin sila sa pangungulit sa akin mga after 6mos.then yesterday nakarecive ako ng mga documents hindi letter na stating na may court hearing na ako at kailangan kong umattend w/in 10days or else estafa ang magiging case ko,inaamin ko dito ako natakot.makukulong po ba ako? aattend ba ako or hindi?willing to pay naman ako not to the extent na full payment kasi ngkaproblema lang ako sa pera. thanks

hi! mejo complicated po yung case ko.. Bumili po ko ng laptop gamit ang Credit card po ng tito ko.. 2nd billing po na dumating may charges po ng insurance company, sabi ng tito ko naman po may tumatawag nga po sa kanya po pero actually po nde nya alam na insurance yun until the end of their conversation after maibigay nya yung info ng card nya na yun po pla ay sa insurance.. So nasabi po nya na padalhan po siya ng papers regarding po don sa kung ano po insurance yun kung anong mga cover or whatsoever don po.. It started last Feb 2011 yung charges po.. Updated po ako sa payments ko pero ang binabayaran ko lang po yung minimum payment po non.. nde ko po binabayaran ang insurance non.. dapt po tapos na po ang charges ng tito ko ng Dec 2011, nde ko po binayaran yung last statement kasi ang charges ko lang po dapt ay somewhat 1.7k pero ang minimum n binabayaran ko po is 1.9k.. i kept calling BDO Customer Service pero nde po nila ako inaallowed n mkipagnegotiate about nga po don kasi gusto po nila makausap yung tito ko..until Nov 2011 na mismo po Tito ko yung tumawag. he wasn't able to settle it himself kasi po nde xa actually knowlegeable sa ganito po.. so hinitay ko pa po sya, and BDO required us to send Dispute Letter, nkalagay po don n nde po payag yung tito ko sa mga insurance na yun, yung payments ko po nung previous months should be counted on the last payment, kung tutuusin po sobra pa po yun para bayaran yung last bill ng tito ko.. may 90 days po na investigation ang BDO at nailagay po don na valid po yung mga charges.. na based po don sa courier, they tried to deliver 2 policies to Client address but were returned to sender.. which is impossible kasi po nde naman po lumipat ng bahay.. wala po narereceived yung tito ko po na letter..

and then advice po ng isang CSR sa BDO na tumawag kami mismo don sa insurance, at based nmn po don sa insurance mar 2011 po lapsed na po yung sinasabi po nila na insurance..

how come na nagchacharge pa rin po ang BDO sa Cc ng Tito ko..

Please help me on what things to do first. and kung ano po mga legal na bagay na dapt alam po namin regarding this issue. sino po ba ang dapat managot dito?

Thanks po!

good day!

please help me po,, i have an outstanding balance sa credit card amounting to 222k, d naman po ako pumapalyang magbayad pero yung minimum lang nababayad ko... lately medyo d kona kaya magbayad ng minimum pero still nagbabayad ako .. natatakot po ako sabi ng bdo i forward na daw sa agency yung account ko... papayag kaya ang bdo pag nakipag settle ako na magbayad halimbawa 5k monthly without interest...? yun lang po kasi kaya ko eh... please give me advice.... above 100k na kasi kaya natatakot ako...