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UNPAID HOME CREDIT LOAN..PLS HELP

+14
vipergodz26
Emwayelayen
thepoetsedge
Mr.08
bdict
zc968903@gmail.com
bertsabit
Jadis
robelleejo
raheemerick
reginarico
cream
LandOwner12
jackxy
18 posters

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26UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Sun Apr 15, 2018 5:25 pm

Mr.08


Arresto Menor

please help naman po.
nag-offer po kasi sa akin ang home credit ng cash loan last June 2017 for the amount of 24k na payable for 24 months (2k/month) which is equivalent to 48k.
Unfortunately, nawalan po ako ng work dahil sa health issue noong November 2017 kaya nahinto din ang pagbayad ko monthly. Fortunately naman po ay nakabalik ako sa trabaho last February 2018. Bale 3months po yung delay ko na hndi nabayaran.Nung month of February po na naisipan ko na din ituloy tuloy yung pagbayad ko monthly which is dapat 2k lang monthly pero yung month of November,December & January ay naging 2700/month dahil sa interest/penalty. So need ko po muna bayaran ang php8100 for 3months delay ko para mgstop yung penalty na papatong every month kapag yung pagbayad ko ay kung ano ang kinagawian ko which is 2k/month.
Sa kasamaang palad po, nawala yung gana kong magbayad dahil sa penalty monthly. nakiusap na ako sa home credit kaso need ko daw e'fully paid ang 3months kong delay para mgstop ang penalty monthly.Dahil sa hindi ko na nga nabayaran nang tuluyan,ang loan/contract ko po ay terminated na at need ko daw bayaran in a full which is php38,100 in total daw at kapag hndi ka pa daw mababayaran,mgsasampa daw po sila ng Legal Case.
naendorse na daw yung account ko sa field officer nila.
i keep on contacting them para makuha ko ang contact number ng field officer para makipagcoordinate kaso wala silang reply thru chat & email.Binigay ko na din sa kanila ang new contact # ko which is patunay na hndi ako tatakbo sa utang ko.
Umaasa po ako sa tawag at reply nila,kaso wala eh.
Additional info po, lumipat na din po ako ng tinitirhan.
iba na din po ang address ko ngayon sa dineklara kong address sa home credit.
Ano po ang gagawin ko?
PLEASE HELP :'(

27UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 10:47 am

thepoetsedge

thepoetsedge
Reclusion Perpetua

Renegotiate your original debt with them in terms na mas angkop sa financial status mo. Explain fully and in truth lahat ng financial details mo for them to fully understand that you are not in a position to pay in full yung buong utang mo sa kanila agad. Opt for a deferred payment of your debt that is in an amount na kaya ng current budget mo.

Alternatively, you may go to the PAO to seek free legal advice regarding your problem.

28UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 11:07 am

Mr.08


Arresto Menor

@thepoetsedge salamat po talaga sa info.
paano po yung sa address ko?
what if makipagcoordinate sa barangay dun sa dineklara kong address sa contract ko & wherein is iba na po address ko ngayon kasi nagrerenta lang po ako.

tsaka po boss paano po if ever magsampa sila ng small claims at hindi kami magkakasundo sa mga agreements during court trial, mapipilitan po ba akong bayaran ng full amount ang utang ko?

paano po boss kung hindi ko masabi sabi sa kanila ang recent address ko ngayon?
is that a ground for estafa even though i keep on communicating to them thru email/chat?

tahimik kasi ang nirerentahan ko ngayon at takot ako baka mag'eskandalo sila (home credit) just what i read sa mga posts dito.
Takot din po ako ma'harass.

Thanks in advance po.

29UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 11:45 am

thepoetsedge

thepoetsedge
Reclusion Perpetua

Update your address with them to show that in good faith, you are willing to pay said amount.

Kung mag-eeskandalo sila, disadvantage sa kanila yun kasi pwede silang makasuhan of causing alarm and scandal sa neighborhood nyo. Humingi ka ng reassurance sa kanila na walang mangyayari na ganun.

Kung small claims court, pwede pa naman magnegotiate dun kung anong terms mo pwedeng bayaran. Kung walang perang pambayad, they cannot force you to pay the whole amount unless the court will decide that you sell some of your personal belongings to settle the amount kung di talaga magkasundo sa deferred payment plan. Depende na yan sa korte, of course. It also depends kung ano yung terms and conditions nung utang mo sa Home Credit na pinirmahan mo. Basahin mo ulit yun since baka may mga terms dun regarding their collection na disadvantageous sa iyo.

30UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 12:00 pm

Mr.08


Arresto Menor

maraming salamat po sa advice.
i will keep on communicating with them.
hinihintay ko pa kasi reply nila sa email ko regarding sa contact # ng field officer nila.
Last week pa ako nag'eemail pero hanggang ngayon wala pang reply.

makakaapekto din po ba ang small claims case sa pagkuha ng NBI?

31UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 12:00 pm

Mr.08


Arresto Menor

maraming salamat po sa advice.
i will keep on communicating with them.
hinihintay ko pa kasi reply nila sa email ko regarding sa contact # ng field officer nila.
Last week pa ako nag'eemail pero hanggang ngayon wala pang reply.

makakaapekto din po ba ang small claims case sa pagkuha ng NBI?

32UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 3:15 pm

thepoetsedge

thepoetsedge
Reclusion Perpetua

Consistently do a follow-up to show your good faith, and keep a record of all the emails you sent since that can be used as evidence in court to establish your intent to settle said debt.

I am not sure on the NBI part, pero as long as wala pang kaso na naka-file sa iyo, siguro di naman magkakaroon ng "hit". This is just my guess.

33UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 6:30 pm

Mr.08


Arresto Menor

thanks sa advice po sir.
masarap din yung wala ka nang alalahanin pa.
nagreply na po sa akin at home credit at nakausap ko na po ang field officer.
naibigay ko na din po ang most updated contact information ko.
salamat po.
hoping pa rin for a peaceful transactions.

34UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Mon Apr 16, 2018 11:13 pm

thepoetsedge

thepoetsedge
Reclusion Perpetua

Of course. Peace of mind is priceless, kaya infinitely better to keep everything in good faith with total compliance sa mga batas natin.

Good luck sa situation mo, and I hope you will get a restructured loan that has a better payment scheme that will make it possible for you to complete the payment in due time.

35UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Aeon unsettled loan Mon Apr 16, 2018 11:41 pm

Emwayelayen


Arresto Menor

Hi good pm po..i would like to seek an advice regarding our loan sa aeon. Last dec 3 2017, na approved po yung loan namin sa aeon which is 1tv and 1 aircon. Nakuha namin yung appliances and yung contract stating that our 1st payment is on feb 3 of 2018. 2 weeks after naka tanggap kami nga txt from an unknown number saying that we nees to oay our first payment by january 3. We didnt mind at first kasi akala namin wrong send lang and to think hubdi siya nagpakilala na they are from aeon. After jan. 3 we received a call from aeon saying na delayed na daw kami. We said how come na as what as stated on the contract it is supposed to be feb 3. Marami po silang explanation then mejo nagiging rude na sin po yung agent. Basta ang sabi namin we will follow what is stated sa contract. Everyday na po sila tawag ng tawaga until nag tettext na we need to settle this amount para mahold ang yung pag endorse sa collection. Then kami po dahil sa sobrang daming dates and amount na gusto nila i pa settle sa amin, naguluhan po kami then today we recieved a letter from a law firm na we nees to settle 47k in 3days or else they will conduct an credit investigation and file a case.
I need some advice po on how to handle this.

36UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty unpaid home credit Wed Apr 18, 2018 3:23 pm

vipergodz26


Arresto Menor

Gud pm po pwede po b ako makahinge ng advice regarding sa unpaid home credit loan ko may nakulong na po or na blocked ang employment sa company kasi binalaan ako ng field officer bka dw po d ako mkpag trabaho totoo po b un thank you po sa sasagot



Last edited by vipergodz26 on Tue Apr 24, 2018 12:40 pm; edited 1 time in total

37UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Wed Apr 18, 2018 3:26 pm

vipergodz26


Arresto Menor

Ung sakin dn po totoo po b ung cnbi nla na baka mablocked ako sa employment ko

38UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Tue Apr 24, 2018 12:41 pm

vipergodz26


Arresto Menor

Gud pm po sir ask ko lng totoo po bang mag hahatak cla ng gamit dto sa bahay d po ako nkpag bayad ng aking remaining balance po thanks po sa sagot

39UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Pa help naman po Sun Aug 26, 2018 6:53 am

Jayr071322


Arresto Menor

Nuong 2016 my nakilala kameng diane.
Pinakuha kame ng cellphone sa home credit.at binigyan nya kame ng 1k kapalit ng pag kuha namin. Ang pangako nya sya daw po ang maghuhulog ng monthly.taong 2017 ng september tawag ng tawag ang home credit skin at akoy siningil sa nakuhang cellphone.kaya tinawagan ko c diane. Ang sbi nya wag daw kme matakot dahil hanggang text lng daw cla wag ko daw pansinin. E2 na ngaun 2017.
Dumating ang imbestigador ng home credit. Tinanung nila lahat ang mga pangyayari na kung bkit daw kme kumuha ng unit. Tpos nag punta kame sa lawyer upang mag pa affidavit.
Ngaun august 2018 my dumating na sobpeona samin.kinakasuhan kme ng estafa kht wla smin ang unit. Dahil ang pangako ni diane sya daw ang maghuhulog ng monthly..
Anu po kya ang mga dapat namin gawin. Pa help naman po

40UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Wed Aug 29, 2018 1:01 pm

jijigf


Arresto Menor

Hello Atty,
My unpaid loan po aq s HK, amount HKD30,000. Na terminate po aq last 2009 nakabayad n po aq ng 2month's bago po aq na terminate. Pagkauwi q po d2 s Pilipinas, tinawagan q ung Finance kung saan aq may loan. Sinabi q po n na terminate aq at magbabayad aq once po makapag trabaho aq ulit. Sinagot po aq ng pilipino n staff doon n "Yari ka pag babalik ka d2 s Hk" Hindi po aq pinalad n makapag abroad ulit, kaya nag aalaga aq ng pamangkin q at ung sister q nagbibigay ng konti s pag aalaga q s anak nya.
Wala po aq natatanggap n any letter or demand letter, s mga nakaaang taon. Nitong week lang po may tumawag s Police Station d2 s amin nagpakilalang Major. R.M. at nag verify kung tagarito b talaga aq. Tinawagan po namin ung contact number ni Major kinausap ng pinsan q sinabi nya n may dalawang pending n warrant of arrest para s akin. Binigay ni Major ung number ng abogado tapos tinawagan namin. About daw doon s loan q s Hongkong na umabot n po ng 1.4m. Sinabi ng abogado n magbayad daw aq ng initial payment n 330k sabi q s kanya wala kami ganun kalaking halaga. Sabi nya sige ganito n lang 162k wala p din po kasi wala nman aq trabaho. Sabi nya ganito n lang ung kalahati n 86k ang ihuhulog q s binigay nila n bank acct# at binigyan aq ng hanggang 29 nitong buwan. Mahirap po maghanap no ganun kalaki. Willing nman po aq magbayad.
Tanong q lang po pwede po b aq hulihin at makulong?
Magbabayad po aq pero wala po documents or demand letter aqong natatanggap.
Pwede po b un na mag deposit ng pera s account n binigay tapos walang receipt n galing s kanila?
Please po I really need your advice. Hindi po aq makatulog ng maaus. Tinawagan n nman ni Major ung pinsan q d sinagot kaya nag txt. Na bakit dn daw aq ma kontak pinahiya q daw ung abogado at mag take n daw sila ng legal action. Tanong q lang po atty bakit ung pulis komontak s pinsan q nd ung abogado?
Maraming salamat po

41UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Thu Oct 04, 2018 7:11 am

Shemmel


Arresto Menor

Same case din. Pero binayadan ko na yung past due ko na 3 months. Sa halagang 10k nung sept 26 yet may pumunta sa bahay nung sept 29 collection officer nila. Tapos kahapon October 3 pumunta sa work ko nagulat ako pano nalaman n dun ako nagwowork tapos pinipilit akong magbayad ng 20k sa isip isip ko ha? Kakatapos ko lang magbayad hindi p lumilipas ung isang linggo may maniningil na agad. Ang paliwanag nya kasi daw terminated na daw account ko kaya dapat daw 50% ng outstanding ko which is 80k na dapat 40k lang eh bayadan ko daw. Ano po kaya pdeng maging solution at pdeng gawin about this? Parang hindi naman makatarungan ung 80k kasi ung 80k for 3yrs ko p dapat un babayadan eh wala p kong 1yr. Pahelp po

42UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Thu Oct 04, 2018 1:50 pm

xtianjames


Reclusion Perpetua

^sa mga nagtatanong kung totoo ba na pwedeng "mahatak" ang mga gamit pag di nagbayad ng loan. kung magsampa ng kaso sa korte yung pinagkakautangan nyo at inattach nila yung mga properties nyo, pwedeng ipaliquidate ng korte yung assets nyo para mabayaran yung utang nyo.

kung wala talaga pangbayad, I would advise sabihan nyo na lang yung mga pinagkakautangan nyo na magsampa sila ng kaso sa korte at dun na lang kayo magharap. mas linient kasi kadalasan ang korte compared sa financial institution regarding payment terms and interest.

43UNPAID HOME CREDIT LOAN..PLS HELP - Page 2 Empty Re: UNPAID HOME CREDIT LOAN..PLS HELP Fri Oct 05, 2018 12:50 am

Shemmel


Arresto Menor

Pano naman po ung case nung akin sir xtianjames? Yung loan ko is 40k tapos nagpast due ako ng 3months simula nung May. Pero by Sept 26 nagbayad ako ng 10k. Tapos after Sept 29 may nagpunta sa bahay field collector ng home credit tapos October 3 pumunta sa pinagtatrabahuhan ko pinipilit akong bayadan ung 80k kasi termindated n daw account ko. Sabi ko kahit hnd sya pumunta sa office magbabayad ako ng 10k bukas at aun nga ung nangyari October 4 nagbayad ako pero ngayon tinatakot ako nung field collector n ppuntahan daw ako kc hnd ko nasend ung reference no. Ng pinagbayadan ko.

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