Unpaid PLDT balance

Hello po! I'm asking for advice for my situation with PLDT and JNL Recovery (their collection agency of choice).

Around 2014, my mom subscribed to an internet & landline plan costing P1300. Since she was already a senior citizen, we used my name to apply. We had no problems with monthly payment, a few times we even payed in advance.

In 2016, my dad retired and came home from abroad. Let's just say that something drastic happened a few months after, and because of that incident, we are now in a bad financial situation. By that time I was already working, but what I'm earning was really just enough for basic needs and water & electricity bills. Since we could no longer afford extra utilities, PLDT disconnected us, which was understandable.

So since 2017, I haven't been able to pay the balance. Some may think that P4145.78 is just a small amount, but with our current situation, every cent counts. PLDT wanted to be paid in full, which I'm not currently capable of doing.

Around August 2017, JNL Recovery started calling. I explained my situation and they said they would get back to me. But in the following months they just kept texting me, saying that they would file a case against me and even do a field visit to our house. Let me insert the most recent text I received:

Good day, (my name). Please be informed that we are to conduct a field visit on June 14, 2018 regarding your PLDT Acct. in the amount of P4,145.78. Should you wish to save time and further inconveniences, we will expect your full payment within 24 hours only. If payment has been made, please text your OR No. at 09178529299 or call us at 09178612119, 09985866525 or (02) 281-7185 and disregard this message. Thank you. JNL LAW OFFICE

Can they really do those things? I read in some blogs that those were just scare tactics, and that filing a case would be far more expensive for them than what I owe. And how about the field visit? I don't want them harassing & upsetting my parents, who are both nearing their 70's, since I work in Manila and only come home on the weekends..

What should I do? I don't have any intention of not paying, I just really don't have the resources right now for a full payment, which they keep on insisting. Can't they just blacklist my name from their services and stop with the harassment, until I can pay them back?
Your advice would be greatly appreciated, thank you!

Yes they can file a case but only a civil case for collection. Yes they can also visit your house of you are not regularly getting in touch with them.
Unless you can pay your debts with them, you cannot do anything.

Hello po Good day, i also have the same problem. Yung difference lang is that the reason kung bakit di ako nakapag bayad kasi they offered an upgraded promo through phone and yung kapatid ko yung nka receive ng call. the promo was 1799 with Telpad Unit. I think it was in May or June 2016 ng nangyari yung pag upgrade. I agreed to it na iuupgade yung service. However, July came walang na receive na unit sa bahay and to my surprise, yung bill namin naging 8k something. I was alarmed and i kept on calling PLDT since that day. Sabi nla they will adjust the billing however kailangan pa raw iinvestigate. Everyday tumatawag ako to follow up. But same parin yung sagot nla that they will review the calls and the report that was made. Then hanggang sa na busy na po ako ksi nag wowork na ako in Manila that time (our place is in Bacolod by the way).

August 2016 I received a billing stating that my balance is 21k something. So i was more alarmed, I called PLDT and they said that it was because of the telpad unit costing around 14k. I raised my concern again coz i havent received the said unit. So again, they said that they will investigate further. They said that on their system i personally received that unit last July 2016. However, I have proof that i was not in bacolod during that time.

Feb 2017 came, i received a message telling me that i have to pay 23k. so I emailed them so that i have a written proof that i kept on following up my concern since 2016. I am willing to pay my balance but only what is due to me. It is kinda unfair on my part to pay for a unit that i didnt even receive.

so fast forward 2018, again i received a message stating that they will file a case against me. Pero until now di parin sila nag tatake action on my concern.

Sir/Maam, can you advice me po on what i can do about it? Thank you

pumunta ka sa branch kung saan naopen yung account nyo at dun ka mag raise ng complaint. speak to the manager if you have to. bring your proof if you have any para palakasin ang reklamo mo.