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Credit Card Payment Problem

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51Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Tue Sep 06, 2016 11:58 am

Yza143


Arresto Menor

sana po mabigyan nyo ako ng advise about my credit card problem

52Credit Card Payment Problem - Page 3 Empty salary loan bp 22 Thu Sep 08, 2016 11:22 am

tpilo09


Arresto Menor

Good afternoon po sir. magseseek sana ako ng advice. Nagloan po kase ako sa isang bank. Nung una ay nakakbayad po ako ng maayos kaya lang po dahil sa mga personal na pangyayare at pagkababa ng sahod ko sa company, hindi napo ako nakabayad ng mga sumunod. Nagsesend po sila sa akin ng letter about bp 22 case. Sa ngayon po ay may work ako and enough lang talaga sa lahat ng gastusin at ibang obligation koh. I plan to pay kase in the future kaso mejo matatagalan pa which is by Jan 2017 pa dahil may binabayaran pa kase ako. Pinuntahan ako sa office ng kanilang agent at pinakausap ako sa isang atty. She said its a criminal case and makukulong daw po ako dahil hindi po aq nakikipagsettle. Uhm Hindi naman po sa hindi ko po balak bayaran ito dahil balak ko ko po ito talaga i settle pero nararamdaman ko na hindi na sya healthy para sa akin dahil nahaharass napo ako and hindi na ako makapagconcentrate sa trabaho. Any legal advice po kung paano ko po sya mareresolba? Salamat po.

53Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Thu Oct 13, 2016 2:05 pm

Yza143


Arresto Menor

Hello po sir pepe, my balance po sa eastwest n unti unti kong binanayaran kso po pansin ko ndi nababawasan ung huling info n binigay sa akin last july.2013 ay 125 tawsan, pinaride ko po ung pinsan ko tpos ndi n ngbyad at nagpakita, tpos may tumawag po sa akin ieenroll nla ung card ko for restructure magbayad lng daw ako ng minimum, ginawa ko naman po pero ndi naenroll ung acct ko sa restructure, jan 2014 lang xa naenroll pero ndi po dinisclose sa akin kung magkno ung amt nababayaran ko, nung Nov2014 ngksakit anak ko kya ndi ko nabayaran amort ko n 3600, c mr.paez ang humwak pero ndi nya ako inadvise n approve n at kailngan magbayad ako ng dec 2014 dun ko po nkita n 171 tawsan balance ko nanghihingi ako ng explanation wla nasagot sagutin naman isasagot sa akin un daw ang naibook, hanggang ngaun 103 twasn p din daw utang ko, gusto ko n sanang tigilan magbayad kso natatakot po ako kc may pinirmahan ako n pilit nilang pinapirmahan kc daw kung ndi ako pipirma ay ndi n daw ako makakahanap ng magandang trabho, tulungan nyo po ako please.....solo parent po ako....

54Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 10:10 am

pepe1928


Arresto Menor

Wala kang pera diba?unahin mo muna needs mo..in fact if may case naman for sure civil lang yan.PM mo ko. Very Happy

55Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 10:18 am

simplyme1601


Arresto Menor

Hello Good morning po! hope you can help me here, hihingi lang po ako ng advice regarding what happened yesterday, here it goes ininform po ako ako ng brngy captain nmin na may tumawag daw po sa knila na police manila and they looking form me at sinasabi na i have 2 cases 1st is article 318 & 2nd RA8484, im wondering bakit po ako nagkakaso and hindi ko nmn po kilala yung complainant na sinasabi sa ibinigay n information.since wl nmn po ako sa pinas im working abroad since 2010. ano po ba ang dapat kong gawin? thank in advance

56Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 10:42 am

pepe1928


Arresto Menor

simplyme1601 wrote:Hello Good morning po! hope you can help me here, hihingi lang po ako ng advice regarding what happened yesterday, here it goes ininform po ako ako ng brngy captain nmin na may tumawag daw po sa knila na police manila and they looking form me at sinasabi na i have 2 cases 1st is article 318 & 2nd RA8484, im wondering bakit po ako nagkakaso and hindi ko nmn po kilala yung complainant na sinasabi sa ibinigay n information.since wl nmn po ako sa pinas im working abroad since 2010. ano po ba ang dapat kong gawin? thank in advance

wala..una di mo naman kilala yung nagcomplaint..saka kung may case kana bakit sa brgy. pa pupunta? Shocked

sa credit card ba yan?

57Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 1:17 pm

Yza143


Arresto Menor

Gud pm po sir pepe, ito po txt sa akin ngaun ng eastwest bank, natatakot n po ako....
Please send us the details of your payment. If no feedback or response received, we will immediately refer the matter for further action w/c would require you to settle the FULL BALANCE. We strongly advise you to reply to confirm your intent to settle or decline. In the event your account will be referred for litigation, you wil bel required to attend court hearing. W/c would entail hiring and paying for a lawyer to represent you. The potential damage to ur reputation and financial standing is considerable, pls call us at 6201700 Local 2882
Help nyo po aq

58Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 1:38 pm

simplyme1601


Arresto Menor

Hello po sir pepe not sure po kung sa credit card kasi wl nmn po ako ibang naiisip na utang ko maliban sa cc ko na hindi ko po nabayaran since nung umalis ako ng pinas ng 2010.
sa brngy captain po namin tumwtawag na ang sabi po sia daw si psi allan. wl nmn po complain letter na pinapadala.

59Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Oct 14, 2016 9:04 pm

Yza143


Arresto Menor

Gud pm po, sir pepe ano po bang civil case ang ikakaso sa akin, bka mwalan po ako ng trabho? Makukulong po b ako?

60Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Mon Oct 17, 2016 11:07 am

pepe1928


Arresto Menor

walang kulong.. sum of money.

61Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Sat Nov 05, 2016 4:54 pm

AMJ


Arresto Menor

I received a Court Summon today for unpaid credit card balance filed by a collection agency on behalf of the bank. I was given 10 days to reply to the summon using a pro-forma reply attached to the summon. Do I need a lawyer to accomplish the reply to the court summon or I can accomplish it myself and file it to the court directly? The same collection agency contacted me a few days ago since I partially paid the balance due. We can execute a compromise agreement for the remaining balance. Is there a court prescribed pro-forma for the compromise agreement? Should it be notarized? Should I include it in my response to the court summon? Thec ourt hearing is set on march 2017 yet. Should I be able to settle it befoe the court date or entered into a compromise agreement with the collection agency how will the civil case for the sum of money be dismissed. Appreciate your prompt reply. Thank you.

62Credit Card Payment Problem - Page 3 Empty RE: CREDIT CARD PROBLEM Tue Nov 08, 2016 10:04 am

gojoann


Arresto Menor

sir meron po kasi kong utang sa credit card and kahapon po may tumawag sakin na taga CIDG daw po sya at sinabing meron daw po silang irereleased na kaso against me re criminal case daw po estafa daw po. dalawa po kasi yung nakaaddress sa credit card billing ko dati at nagtatanong yung CIDG daw po kung san sila pupunta. CIDG po ba kaya tlaga yun and how come po na umabot na sa CIDG. tinatanong ko po kung tungkol sang kaso po yung complaint sakin nagbigay po sya ng number ng complainant ko daw po at tawagan ko lanag daw po yun para baka sakali daw po maareglo pa.

63Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Nov 11, 2016 5:07 pm

Nemy S. Lai


Arresto Menor

Good afternoon po! Ako po ay may metrobank credit card dalawa. I had been a good client ever since nagkaroon ako ng credit cards, higit ten years na. The problem now is that I am going to be operated maybe within this month for TOTAL HIP REPLACEMENT, I was operated last 2003 and partial implant hip ang nilagay. According to the doctor who operated on me, the life span of the implant is good for 10 years but it could go beyond or shorter depending on the usage. Now, it is more 13 years already and I feel so much pain! I decided to have this replacement . Kaya nga po, dapat kong unahin ang health ko, so un mga dapat kong bayarin ay nahinto at inaasikaso ko muna ang operation. The total hip replacement cost about 250 thousand. I am worried about how to pay. I am not running away from this responsibility. I am a retired person receiving monthly pension from SSS in the amount of Pesos 3,120.00. Meron po akong sideline but it has stopped due to my current condition. Paano po ako papasok ng Bankruptcy Law? Please help me. Thank you!

64Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Fri Nov 11, 2016 6:58 pm

Warlord


Arresto Menor

sa may mga utang sa credit card. denied nyo na lang mga yan.. lalo na kung ang mga credit card nyo ay pre-approved lang na normally binigay sa inyo na walang documents. marami na akong kilalang ganyan. kung di kayang bayaran at wala talaga maibibigay, yong agent ang walang problema kundi kayo na may balance na nga pinoproblema nyo pa. better na wag na lang at hayaan na lang. magsasawa rin yan..suggeston lang..

65Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Sat Nov 12, 2016 1:21 pm

Nemy S. Lai


Arresto Menor

Gud afternoon po, Sir! Worry po ako na baka ako makasuhan kung pababayaan ko na lang po mga ito. Meron naman po akong pirmadong application sa mall non inalok ako ng card. Talaga po wala akong ibabayad now kc nga po magpapaopera ako. Paki advise po ninyo ako ano mabuting kong gawin, Sir? Di po ba ako madedemanda? Salamat po sa mga advise ninyo! Higit po kayo may karanasan sa mga ganyan. Salamat po uli!

66Credit Card Payment Problem - Page 3 Empty settlement Sat Nov 12, 2016 3:58 pm

ador


Reclusion Perpetua

AMJ wrote:I received a Court Summon today for unpaid credit card balance filed by a collection agency on behalf of the bank.  I was given 10 days to reply to the summon using a pro-forma reply attached to the summon.  Do I need a lawyer to accomplish the reply to the court summon or I can accomplish it myself and file it to the court directly?  The same collection agency contacted me a few days ago since I partially paid the balance due.  We can execute a compromise agreement for the remaining balance..

I think this is an estimate of how you intend or will be able to pay your obligation put in the simplest term and on paper. It's like a promissory note. It should be made available on your court date (ten days) since in effect that is your appointment with them and no other date/s were given in regard to the pro-forma?
So you gotta have it on Monday 14 Nov.

My opinion: go to the claims court early Monday and see if there are forms to be filled-out. You can go to a attorney-at-law located nearby in case you have to.



Last edited by ador on Sat Nov 12, 2016 4:06 pm; edited 1 time in total (Reason for editing : typo(promisory))

67Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Sun Nov 13, 2016 12:28 pm

Nemy S. Lai


Arresto Menor

gud mrning po sir! Sir, paano po kaya gagawin ko? Wala na po kayo reply sa last message ko. sana po mabigyan ninyo ako ng advise about sa CC ko na di na kayang bayaran as of now kc nga po, ooperahan po ako para sa TOTAL HIP REPLACEMENT PROSTHESTESIS. Uunahin ko po kalusugan ko. Please help me thru your advise! Thank you po.

68Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Thu Nov 17, 2016 5:41 pm

docjp


Arresto Menor

Hello, good day! Magtatanong lang po regarding my unpaid credit card due with AUB. Ganito po iyon,I submitted my requirements sa aub pavilion mall sa mandaluyong December 2015 tapos nang January 2016 I received a call and text from them na approved application ko since 3yrs ako dun sa previous employer ko. So,dumating yung card nagamit ko for groceries pag wala pang sweldo since may dalawa akong anak. Nagbabayad naman ako 500 every cutoff since sa aub ikaw mamimili ng due date,so every month 1k binabayad ko. Dumating ang enrolment nung June at naienrol ko naman 2 anak ko na 5 and 3yrs old, nag usap kami ng husband ko na hihinto na ako sa pagtatrabaho as a CSR dahil ako naman ay magpufulltime mom na kaya lang nang nagtry siya mag apply Hindi siya natanggap tapos ako wala nading work kaya napabayaan ko talaga utang na 9k sa aub. Now, dumating ang October at may tinawagan from collection agency,sabe sakin need isettle full amount na 19k eh as far as I know nasa 13k lang balance ko. Ibig bang sabihin natubuan kaagad ng collection agency yun?Wala naman akong balak takbuhan utang ko, nakipagusap na ako sa rep ng agency na magbabayad ako but Hindi in full amount ayaw naman pumayag tapos last last week I received a text na police and brgy chairman will go to our place and will demand to settle in full yung 19k na balance ko. Question is, ganun po ba talaga pag may unsettled balance sa credit card? 1st credit card ko yung sa aub. Sana po may sumagot. TIA!

69Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Mon Nov 28, 2016 9:55 pm

Iya_Pot


Arresto Menor

mayroon akong credit card debt na pinipilit kolektahin ng isang agency. willing naman ako mkipagsettle for a lump sum payment kaso ayaw nila. ngayon nangugulo sila at lagi tumatawag sa opisina ko kahit na binigay ko na yung personal number ko sa kanila. pangalawa hinihingi pa nila yung mga financial documents ko like payslip etc.

tama po ba na hingin nila yung mga documents na iyon? TIA!

70Credit Card Payment Problem - Page 3 Empty Handwritten Promisory Note Thu Dec 15, 2016 1:21 pm

falala


Arresto Menor

Good day po!! Gusto ko po magseek ng advice meron po kasi pumunta samin na Collection Agency at binigay niya sakin yung cellphone niya to talk sa agent na may hawak ng account ko. Nung kausap ko na siya sinabi ko na dahil wala akong work hindi ako makakacommit sa kanya to pay 38k from 171k daw (pero originally almost 40k lang yun before ako nagskipskip ng payment) sabi nia mag settle na lang ako ng 10k as initial payment para mapigilan yung house visitation from the bank at maextend ang promo until January.

Ang sinabi ko po hindi ako pwede magcommit ng hindi ko pa nakakausap ung tao sa paligid ko like si Mama na magpapautang sakin dahil nga wala akong work (Hindi ako pwedeng magYes, ng wala naman akong hawak or ineexpect na pera kasi niloloko ko siya nun). At dahil don, sabi nia na gumawa na lang ako ng letter with three specimen signature, ang sabi ko iemail ko agad. Nung binalik ko na yung cellphone sa messenger nila, naghintay siya sa gate iniintay daw yung letter. Sabi ko iemail ko, kahit agad agad, but then ininsist niya nia kailangan daw ng Handwritten Letter. Binigay niya sakin ulet ang cellphone at sinisigawan ako ng agent na napasinungaling ko daw, manloloko, at may sakit sa pag-iisip. Firm ko sinabi na iplay ang recorded line at pakinggan niya na sinabi ko na mageemail ako asap. Pupunta daw sa Barangay yung staff niya kapag hindi ako nag-handwritten letter, sinabi ko na tatawag muna ako sa bank to talk to them na sakanila ako mag-eemail at nakaCC lang ang CA, nung nasa phone ako (siguro nakita nung messenger na totoong tumatawag ako sa landline) nag-iba yung tono nung agent at hindi na ako sinisigawan, email na lang daw niya sakin ang letter at reply ako within the day. I was meaning to call talaga yung BSP Consumer Hotline wala lang sumagot sa pang3rd na ring, to ask kung gagawa ba ako ng Promisory Letter with 3 Specimen Signature and 2 Govt IDs. Nag-play ko po ang CCTV naming, at talagang nasabi ko nung una pa lang na "cge, email na lang ako."

Kung bumalik po ba siya dito at nanghihingi ng Hand written letter with 3 Speciment siganture, legal po yun at okay lang ba na magbigay ako kahit na sinabi ko na hindi ako pwede magcommit? At kung pwede naman po, Koconfirm ko po yung advice ng friend ko na law student kung sa Barangay naming gawin hindi din po dapat nakaaddress yung letter sa isang company dahil for individual lang ang inaaddress ng mga Barangay, so sa messenger or sa agent dapat iaddress?

Thank you po!

71Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Tue Jun 27, 2017 2:14 pm

Nini@nini


Arresto Menor

Good afternoon po hingi Lang po sana ng advice may utang po Kase Ako sa credit card po BDO 100k plus eastwest 50k metrobank 100k citibank 80k Hindi ko napo alam Kung ano gagawin ko pero ngayon plng po sana first month Ako magiging delinquent Kase po nawalan po Ako ng trabaho pero po the past few years lahat po ng sweldo ko binabayad ko po sa bank LNG nag ttra LNG me for my alowance po.. Salamat po

72Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Tue Jul 04, 2017 11:41 am

pepe1928


Arresto Menor

Nini@nini wrote:Good afternoon po hingi Lang po sana ng advice may utang po Kase Ako sa credit card po BDO 100k plus eastwest 50k metrobank 100k citibank 80k Hindi ko napo alam Kung ano gagawin ko pero ngayon plng po sana first month Ako magiging delinquent Kase po nawalan po Ako ng trabaho pero po the past few years lahat po ng sweldo ko binabayad ko po sa bank LNG nag ttra LNG me for my alowance po.. Salamat po

Pay when you can..kung wala anung gagawin mo..mangungutang ka ulit para ipambayad ng utang?big "NO"

73Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Thu Jul 13, 2017 12:47 pm

Jegu


Arresto Menor

Good pm, seek lang po advice. Nakatanggap po ako ng summon from metropolitan trial court due to my unpaid cc na sobrang lumobo na ang interes. Dapat po ba akong derecho magpunta dun sa attorney ng BPI for the hearing? Wala naman po akong pambayad sa ngayon kaya lang gusto ko lang harapin kasi baka ipadampot na lang ako bigla.

74Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Thu Jul 13, 2017 3:21 pm

xtianjames


Reclusion Perpetua

kung may kaso ka eh sa korte ka dumiretso at the time of hearing at hindi dun sa abogado.

75Credit Card Payment Problem - Page 3 Empty Re: Credit Card Payment Problem Thu Jul 13, 2017 7:25 pm

pepe1928


Arresto Menor

Jegu wrote:Good pm, seek lang po advice. Nakatanggap po ako ng summon from metropolitan trial court due to my unpaid cc na sobrang lumobo na ang interes. Dapat po ba akong derecho magpunta dun sa attorney ng BPI  for the hearing? Wala naman po akong pambayad sa ngayon kaya lang gusto ko lang harapin kasi baka ipadampot na lang ako bigla.

bat ka ipadadampot?may pinatay ka bang collector? Mad Evil or Very Mad

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