Is There A Criminal Case For Non Payment of Credit Card Debts?

clickmarbin By clickmarbin, 22nd Mar 2011 | Follow this author | RSS Feed | Short URL http://nut.bz/87wh.e7p/
Posted in Wikinut>Money>Credit Cards

This is to answer your question, will you be put in jail if you can no longer pay for your credit card debts in the Philippines

The Answer To Your Question

I am grateful to receive a lot of comments and likes on the article I wrote last year about credit card defaulters like me facing the same issue with credit card debt collectors in the Philippines. Since then, I am receiving questions from them and left unanswered because of busy schedule. I apologize. But now is the time that I have more time to answer all your enquiries. Yes, today I will start writing more about your credit card debt problems and how you can resolve it.

For today, let us discussed the problem of my reader named Travis:

“i have a question cause i have a credit card debt.. somebody told me that you should never run or hide with these people because if you do its a criminal case for them because your intentionally not paying your debt.. im just renting a apartment, and im always changing places, my previous place in manila is they’re always hunting me (the debt collector) my previous room mates said that everyday they keep on calling, im so afraid when one day thay said that 2 police came on that place.. pls help me on this, and also one time i talk to the debt collector and they offer me a monthly plan and it is way too high for me, thats the reason why i move to another place..”

My answer:

Travis and I experienced the same thing, being paranoid about resolving our credit card problems, but thanks to a blogger named banker, now I know the truth behind this and I will tell you. No! You will not be imprisoned by defaulting your credit card. Here in the Philippines, as per our bill of rights article 3 section 20:

No person shall be imprisoned for debt or non-payment of a poll tax.

Regarding the police that chased Travis, it is intentionally done by credit card debt agencies to scare people like us. Don’t believe them. You may want to call the NBI to report about this and can file an extortion case against their police officials who clearly appeared as an accomplice by your credit card debt collectors.

Travis also asked:

"hi clickmarbin just wanna say thank you cause right now i am so freaking out and so afraid to go back to manila because of it.. umm what about my NBI clearance? cause i saw lot of stories that many people didnt get cleared for their NBI because of this case, meaning to say that if we have a civil case we never get a chance to work to another company or work abroad.. right now im working as a call center in ortigas and i was planning to work to another or abroad but because of this issue (NBI CLEARANCE) im having a hard time to resign"

Since non payment of credit cards is not a criminal case but only a civil case in the Philippines, you can get an NBI clearance. Our NBI only handles criminal case and not civil cases like defaulting credit cards.

Criminal case against credit card non-payers? Is a big no! Again you will not be imprisoned. Be placid.

Thank you for reading this article, I hope this makes you calm, move on and live a happy life. As per my favorite author banker

“Prioritize your need not their greed – failuretopaycreditcard.blogspot.com”

moderator Mark Gordon Brown moderated this page.
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Comments

author avatar Neliya u.
20th Apr 2011 (#)

The 2009 financial reform CARD Act was meant to help safeguard consumers. One provision of the bill is that those that provide credit can't issue credit unless the applicant can prove that they can repay it. One unintended consequence of these new rules is that stay-at-home parents may lose some financial freedom. I found this here: <a title="Stay-at-home partners could lose ground with CARD Act" href="http://personalmoneystore.com/moneyblog/2011/04/15/card-act-stay-at-home/">CARD Act could strip say-at-home partners of financial identity</a>.

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author avatar Isabelleast
9th May 2011 (#)

i guess i can now breathe.coz i already resigned to my previous jo as a callcenter.and when i was getting my NBI clearance i do have a hit.which means its my first time to have a hit.and im freaking nervous that it might be because of my unpaid credit card.and i`ll be getting my NBI clearance tomorrow,stiil nervous about the result.

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author avatar Rommel
17th May 2011 (#)

I have the same problem Isabel. I didn't pay my credit card debt because of some financial problems. I lost my business. Been in a horrible financial situation for 4 years now. I applied for NBI clearance but I got a hit (red paper) and I have to come back after a days before I can claim my NBI clearance. I am so nervous that this is concerning my credit card default payments. Please leave a message what happens Isabel

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author avatar Theynest pick cash sales
7th Sep 2012 (#)

mam regarding your worried about, i am also same problem with debt of credit card.. in our company many agent convincing us to get CC. first i ignore it but they leaved an application form, my salary is not enough to their required minimum salary. but they manipulated my requirements. after all i got a CC, i accept i used it many times but i made to paid,. years pass by i am shock there are some CC sent to me 3 CC. but i did not used it. i wonder i had a billing and so on i got a demand letter for non payment. some CC Agency call to our brgy capt to look me to inform that i had a filed case at higher court in makati.

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author avatar DAVID
7th Feb 2013 (#)

WHERE U ABLE TO GET NBI CLEARANCE? AM ALSO FACING THE SAME DILEMNA. THANKS

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author avatar Rommel
17th May 2011 (#)

I have the same problem Isabel. I didn't pay my credit card debt because of some financial problems. I lost my business. Been in a horrible financial situation for 4 years now. I applied for NBI clearance but I got a hit (red paper) and I have to come back after a days before I can claim my NBI clearance. I am so nervous that this is concerning my credit card default payments. Please leave a message what happens Isabel

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author avatar DAVID
7th Feb 2013 (#)

WHERE U ABLE TO GET NBI CLEARANCE? AM ALSO FACING THE SAME DILEMNA. THANKS

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author avatar Anreh
17th Feb 2014 (#)

Hello Isabel? may i know what happened when you get your NBI then? I applied for NBI clearance just today but I got hit and I was told to come back next week. I'm not sure but I think it's because of my unpaid credit card debt.

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author avatar Krista
6th Aug 2014 (#)

hello anu poh balita s NBI muh???nkkuha kb???

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author avatar Mad
6th Jun 2011 (#)

Do i need a lawyer to settle my debt? For example, if the collector did not agree to the amount i am only able to pay each month. Please advice.

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author avatar Tin Lim
16th Jun 2011 (#)

Thank you on the info I've read. Now, I have a calm feeling and prioritize my family needs but once I ive got a permanent employer, promise I will contact my credit card collector. Thanks again more power.....

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author avatar Aplhaphiomega
12th Jul 2011 (#)

I have same problem like you guys but I got my NBI Clearance just recently.

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author avatar Jasmine Loyola
13th Jul 2011 (#)

you said that a credit card debt is just a civil case and we can get an NBI clearance..Is it the same case with Bank Loan?

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author avatar Anne
16th Jul 2011 (#)

I am a professional. I would like to ask if I can be blacklisted from my profession, or worst, if they can file for the cancellation or revocation of my license at PRC for non payment of cc debts.

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author avatar Yhanie
20th Jul 2011 (#)

hi!im outside the philippines now and my mom send me message just now saying that there is someone from CIDG who called my father saying that i have a case regarding this non payment of credit card and i have to settle it in 3 days or else i will be put on jail.my uncle verify the name of that caller at CIDG and they said that there is really a person named like that. am i going to jail when i come back in the philippines?is it true that CIDG will arrest me or something?another prob is that i did not inform the credit card company that im not an employee anymore in that company that i worked for when i applied to the credit card company. what will happen to me? I am really freaking out now...i need answer asap...please guys help me..i really need asap reply..

Thank you

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author avatar John
12th Sep 2011 (#)

tell ur father that the cidg is not part of that matter,and call a nbi for that name bka kc gingamit lng ng mga agent ang pangalan ng tiga cidg

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author avatar John
12th Sep 2011 (#)

we are not going to jail or any kind of kulong.i get a advice from my lawyer for this kind of problem.if u not issue a check or any bank check in this bnk u are not going to a jail.

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author avatar Joy
27th Nov 2011 (#)

Hi, I have the same problems. I understand that I will not be put into jail in noty paying my cc, but what should I do once CA go to our place or take things from me as a payment? Of course I dont want that to happen..

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author avatar Mark
17th Jan 2012 (#)

pano po kapag hnd ako nakabayad ng credit cards at ung edad ko binago nung agent n nag apply sakin ng cc para maapprove sinunod ko po ung edad n nilagay nya sa twing tatawag ako dati sa bank pero ngayon hnd n ako nakakabayad financial problem kc .., ano po worst case scenario pwede mangyari ? knwing n mali p ung edad n binigay ko ? salamat

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author avatar Chel
15th Mar 2012 (#)

Good Morning po, paano po kaya yun gagawin ko,kc po yun asawa ko namatay na last 2009 dahil sa kanyang sakit.may naiwan pa po cya 2 credit card. until now di ko pa po na babayaran kc po ako nlang nabuhay sa aming anak.ano po dapat kung gawin.sobra laki na po nang interest, ang credit limit lang naman po nila tig 20k lang.pero ngaun po nasa hundred thousand na billing.

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author avatar Jean
25th May 2012 (#)

Can a collection agency asked for deportation for not paying a credit card 6 yrs ago? Can they sue me even if im not in the phils anymore? are they allowed to harass my family or force my family to tell any details about me abroad?

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author avatar Sisibank
21st Jun 2012 (#)

Hello!
Wala pong nakakasuhan sa credit card.

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author avatar Alex
22nd Jul 2012 (#)

ask ko lang po ksi yung friend ko may unsettled bill sya sa dubai ngayon nakakareceive sya ng mga warrant of arrest letter galing sa collectors agency.pero yung friend ko nasa spain na siya. ma de deport po ba siya?blacklisted na daw siya sa DFA at immigration?please need your answer po. thanks

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author avatar JYL
27th Jul 2012 (#)

morning!my bill me sa internet n d nbyaran dhil sa sobrang laki ng bill.nkareciv po ako ng demand letter my tendency b n ma blocklist un name q?tnx

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author avatar Ein
23rd Aug 2012 (#)

hi. ano pong pedeng gawin sa CA?. nadadamay na pati relatives ko..

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author avatar Theynest pick cash sales
7th Sep 2012 (#)

mam regarding your worried about, i am also same problem with debt of credit card.. in our company many agent convincing us to get CC. first i ignore it but they leaved an application form, my salary is not enough to their required minimum salary. but they manipulated my requirements. after all i got a CC, i accept i used it many times but i made to paid,. years pass by i am shock there are some CC sent to me 3 CC. but i did not used it. i wonder i had a billing and so on i got a demand letter for non payment. some CC Agency call to our brgy capt to look me to inform that i had a filed case at higher court in makati.

Reply to this comment

author avatar Mhaffy
3rd Nov 2012 (#)

if i'm going to other countries for travel, matrace ba if i have unsettled account at citi bank?

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author avatar Secret
25th Jan 2013 (#)

probably ma-trace because citi is more hi-tech and they cover the world

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author avatar Ashie
23rd Nov 2012 (#)

im working as a caretaker but before i came here (abroad) i borrow money in lending company,now i still have 2months unpaid, what will happen if i didnt pay that? the company sending me a messages that i already have a court order..what will happen if i didnt pay?pls.i need advice tnx!

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author avatar Skye
17th Dec 2012 (#)

what to do with people calling i have to pay when the Credit Card is reversed and paid for 3 years ago? thanks.

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author avatar Yurien
19th Dec 2012 (#)

hi please help naman.
alam ko po na wala nkukulong dahil sa walang pambayad sa utang pero sobra na po ang collecting agency ng eastwest tumatawag sa dati ko work nagkukunyari pulis anu po b dapat ko sabihin sa kanila para hindi na sila pmunta sa place namin dahil alam ko bawal un eh.

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author avatar Leyall lancer
18th Jan 2013 (#)

hello po gud day..itatanong ko lng po kung ung tungkol sa kaso ko dahil nagkautang po ako sa banko sa dubai credit card po un sa halagang 2000dirhams noong andun pa po ako nababayaran ko pa po ung buwan buwan nya na interest.pagbalik ko po dun bigla po ako naterminate ng pinapasukan ko kaya po napauwi ako ng pinas.tapos nag aply po ako sa saudi tinawagan nmn po ako nila.sabi nila kapag hindi rw ako naghulog ng 4000 dirhams ipoforward dw po nila ang kaso ko sa saudi eh sa dubai po ako nagkautang.tanong ko lng po pwde ba ako nila ipahuli sa saudi at ipakulong?

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author avatar Ayabella
19th Feb 2013 (#)

hi i've been working in uae now and i have unpaid credit card, my mom call me that she received a letter from a legal office stating that i need to settle the amount i am very nervous as my mom have an heart attack. i'm planning to go back phil. but im afraid maybe i have travel band or they report it already to immigration or somewhere else. but my credit card naman is not such big 6k and 3k in dirhams. can you please give me advice as im very nervous right now. thanks.

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author avatar Yuri
17th Apr 2013 (#)

is it the same as loan? nag loan kasi ako before mga 3 yrs ago na. kaso hindi ko na nabayaran hangang nka alis ako ng pinas. ngaun ang problema ung cosigner ko ang gnugulo nila, nag pnta daw sa bahay nila may ksamang mga barangay tanod. sabi pababalikin daw ako sa pinas. worried lang ako kung anong pwede kong gawing move sa pang haharass nila. eh til now wla pa rin akong work.

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author avatar Anon666
4th May 2013 (#)

pano kung sa utility bills (water, electric, phone) bills?

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author avatar Jhon
26th May 2013 (#)

I also have a problem with credit cards months ago. I'm already here in Australia since february dahil na approve ang husband ko to work there ksama ang family. After 1 week of delivering my child umalis kmi ng 2 anak ko leaving my youngest dahil di pa sya ksama sa visa. We are working for his papers para mkapunta sya dito. and I need to go back to the Philippines to get him. Ask ko lang po kung may travel ban ba sa mga hindi nkakabayad ng credit card? Worried po ako na baka hindi ko mkuha ang baby ko o madala dito sa Australia

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author avatar Summer
26th Jun 2013 (#)

My tunawag din sa akin that if i cannot pay until fri. Hintayin ko nalang daw and harapin ang kaso ko. Atty arturo zialcita daw po sya. Dahil hindi kasi ako nka bayad sa cc ko sa amount na 19k at umabot na ito sa 60k pero bigyan daq nya ako ng discouny 40k nlng daw or pwedi din daw na post dated check ang e bayad ko. Takot po ako kasi baka anytime my dadating po sa bahay. Ano po ang gagawin ko?

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author avatar Anony
6th Aug 2013 (#)

Summer, don't issue postdated checks 'coz you will only give them grounds para mkasuhan ka kung walang sufficient fund ang account mo. Pag nag-bounce yan, may grounds na sila para kasuhan ka--it may lead to estafa. Di ka pwedeng ikulong kasi di naman criminal case yan. Pananakot lang nila yan para mgka-commission sila. Do your best na mbayaran mo ang utang mo kung may pera ka na at the right price.

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author avatar Summer
26th Jun 2013 (#)

Pls help me po

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author avatar Summer
26th Jun 2013 (#)

As of the moment wala po akong trabaho. Takot po talaga ako.

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author avatar July
26th Jul 2013 (#)

@Summer - I hope you're well. So what happened? What did you do? my pumunta ba talaga sa inyo? Civil case lng ata yan. I hope you can reply and share.Thanks!

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author avatar Em
14th Aug 2013 (#)

Hi..Goodday..I just want to ask about personal loan its unsettled..and I leave the country due to a personal reasons..and I want to come back again there is this may cause problem wen ill enter to the same country that I have unsettled payment for my personal loan at the immigration or am I banned already but im planning to continue to pay my loan ...thank you

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author avatar Vhang
16th Aug 2013 (#)

please help me may nareceive na txt ang pnp namin sa province galing cidg about alleged case daw sa akin.ngaun kinausap ako ng tito kong pulis kung may nagawa daw ba akong kaso..ang sabi ko ung hindi lang pagbbayad sa cc ko. according pa pa sa pumunta sa bahay may warrant of arrest na daw po ako.. anu po ang gagawin ko..hindi po kasi dinetalye ung txt n nareceive nila kung anu bang kaso ang nagawa ko.. natatakot po akong .makulong..presently im pregnant and hindi ko n po alam ang gagawin ko.. sana po matulungan niyo ako.. salamat po.

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author avatar Weng
20th Aug 2013 (#)

Ako din, on-going pa rin yung paniningil sa akin ng law office dito sa Davao, nagpapadala na sila sa akin ng formal demand, Nakalagay sa sulat na, "if you again fail to heed our said demand, we be constrained to criminally prosecute you if legally warranted under, Par (j) Sec. 9 of Republic Act No. 8484, Pwede po ba ma-explain kung ano itong RA na to. Salamat po...

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author avatar Jen
30th Aug 2013 (#)

tanong ko lng po, pede po ba mkipagtwaran sa collecting agency ng bills ko, kasi po 18k lng po ung utang ko sa CC ko, tpos after 6mos of not paying nging 28,742 na sya..willing po tlga ko mag bayad sa knila pero sana di gnun kalaki ang tubo,,almost 10k.. pls help..

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author avatar Chichi
1st Sep 2013 (#)

You can try to negotiate at kung ano mang settlement ang mapag agreehan nyo, make sure that they send you a formal letter signed by the bank, not just the collecting agency.

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author avatar Isang
9th Sep 2013 (#)

Hi. Pano kaya kung me unpaid loan ka sa lending company and nagsara na ung company. Magkakaroon ka kaya ng record sa nbi? Tnx

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author avatar Doray
18th Sep 2013 (#)

good day! ask lang po ako for advise, paano kung meron na dati nag offer na mako-close ko na daw yun account ko if I pay 20k within a month. tinawaran ko kasi ng 18k lang kasi hindi na ko financially capable to pay the amount of 20k at ipapangutang ko na nga lang yun 18k, kaso hanggang 15k lang ang na-approve sa akin na i-loan kaya yun lang ang nabayaran ko. since hindi ko nga na-settle yun 20k a month, iba namang collecting agent ang tumawag at bumalik nanaman yun bill ko sa 20k, dahil hindi ko nga daw na settle yun 20 dati kaya yun uli ang sinisingil sa akin. since then, hindi ko na binayaran yun credit card bill ko until finally may dumating na demand letter na sasampahan na kami ng spouse ko ng civil case for nonpayment of our credit card bill balance na nasa 60k na daw. I refuse to give it attention kasi 5k na lang dati sana tapos binalik sa 20k? I'm still worried though kasi nga umabot na ng 60k at may demand letter pa, so what should i do now? ayoko na sanang pansinin kasi parang nakakaloko na eh and besides, i am no longer financially capable of paying my credit card bill dahil nasa 3k na lang ang take home pay ko a month. please advise. thanks!

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author avatar Doray
18th Sep 2013 (#)

...btw, i think i lost my proof of payment. hindi pati na ako ang nagre-receive ng mga billing statements at nun demand letter na pinadala nila...

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author avatar Kathy
7th Oct 2013 (#)

Good day! Im jst asking for advice. . i have an unpaid obligations with Globe due to my postpaid line na hindi ko binayaran cecause i got financial problems. Ung Credit limit is 1k noon nababayaran ko ung but when nagkaproblema ako financially i stopped using the service and applied for disconnection but Globe wanted me to pay 11kplus including the penalty for breach of contract daw coz the lock-in period is 2 years di daw pwedeng magpa disconnect unless di mabayaran ang disconnection fee worth 7k. they sent me demand letters but i received a final demand letter from the collecting firm stating that if i failed to pay them in full they within 3 days from receipt of the letter they will file a case in court. ano po ba advice nyo? salamat po

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author avatar SSS
16th Jan 2014 (#)

if i didnt pay my creditcard will the collector go to my office if they cant see me at home?

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author avatar Nervousreign
17th Jan 2014 (#)

i just have received a demand letter today, telling me to pay my CC debt,it's a total of 113K then i browse the web and i found the answers here, i feel so relieved and great... thank you guys, god bless us all.

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author avatar Ann
28th Mar 2014 (#)

I have unpaid credit card amounting only to 17k last 2012, and pero balak ko na cya bayaran under amnesty, and now plano ko mag apply ng credit card ulit kc may agent na pumunta sa office namin at nag offer, madedecline po ba yung application ko?, blacklist na ba yung pangalan ko sa lahat ng credit card company?

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author avatar Triplezzz
6th Apr 2014 (#)

Hi i have the same prob. I just got a call from a cc company na d ko nabayaran. Im currently in uae now and i was just wondering pano nila natrace ung work at number ng office ko dito. Do they have the right na sabihin sa employer ko ung abt sa debt ko. Natatakot lng kasi ako baka siraan nila ako. Pls reply

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author avatar Miniminimynimoo
7th Apr 2014 (#)

Nagtatago kasi kayo at hihunting ng pinagkakautangan nyo kayo kaya kayo natatawag na criminal, makipag.usap na lang kayo sa pinag.kakautangan nyo at makipag.kasundo, lahat naman nadadan sa magandang usapan. Baka madala na ang mga nagpapautang sa mga gaya nyo wala na kayo matakbuhan pag kelangang.kelangan nyo at wala na magtitiwala sa isang balahura. Kaya nga my mga ca dahil sa mga katulad nyo, kung wala kayo wala sila. Di naman kayo ang agrabyado kundi ung pinagkakautangan nyo na nagtiwala sa inyo. Masaya kayo sa nautang nyo, nakatulong din sa inyo ng malaki, nagtiwala sila sa inyo, ang kelangan lang naman nila ung connection di mawala,kahit di makapag.bayad kung nakikita ng taga.pagpautang naman na sincere kayo pero gipig lang talaga

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author avatar Miniminimynimoo
7th Apr 2014 (#)

Pero gipit lang talaga maiintindihan nila yun at baka bigyan pa kayo ng discount o anu man tawag nila sa pagbawas ng utang nyo.
Wag kayo natakot magtanong o makipag.usap sa banko dahil mas gusto nila ung kahit walanb pambayad e nagaabiso parin.

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author avatar Miniminimynimoo
7th Apr 2014 (#)

Mas makaka.discount kayo kung sa ca kayo nakipag.usap kasi cla ang nakaka.usap nyo alam nila kung sincere kayo sa kwento nyo at ramdam nila un.. kung ramdam nila na totoo ang prob mu sila pa ang hihingi ng discount sa banko kahit lumiit pa ang kita nila ara katulong sa prob nyo at the same time nakakapagbayad kayo ng utang..

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author avatar Miniminimynimoo
7th Apr 2014 (#)

Experienced ko to kaya ito ang kwento ko, mga 6 mos ko na noon di naupdate ang utang ko, tinawagan ako ng banko tinaguan ko cla, tinawagan ako ng ca nagtago din ako,one time di ako ang nakasagot ng ofc phone kaya di ako nkpag.tago,ayoko din kutsabahin workmate ko nakakahiya dahik pag gipit ako hiraman ko din cla,panu na pag nalamn nila na my utang pla ko ng tinataguan baka wala nko maipakitang muka.. sabi ng workmate ko banko dw, so napilitan ako mkpag.usap, naka.usap ko c leah dw sya, maganda ang tono nya iba sa dating àtawag sakin, maayos nya ko kinausap, sinabi ko mgbabayad ako ng ganitong arw kahit di naman kaya tumawag sya ulit iba na naman nakasagot, tinanong nya ko kng my prob ba bat di ako nakapagbayad sa usapan namjn, nagpromise ult ako ng date, sagot nya sakin "ms.kng my prob po kayo sabihin nyo sakin para maiadjust ko ngang sched nyo baka gipit kayo ngaun, natuwa naman ako, wala naman ca na ganun mkpag.usap,bgka ako nahiya sa ginawa ko, sinabi ko sa kanya na my prob ako sa pera biglaan lang, sabi nya sakin pumunta dw ako sa banko at makipag.kasundo kung anu ang kaya ko, di ako.nagpunta,hjya, takot ang nararamdamn ko pag nakikita ko ung banko, tinawagan ulit ako ni.leah, pinilit nya ko.magpunta di na dw nga ko sisingilin muna basta magpunta ako para dw di lumubo ang bal ko pero wag kk dw sabihin sa pinapunta nya ko, nilakasan ko loob ko nagpunta sa banko at ginawa kk ang sinabi nya, binigyan ako ng banko ng mga options na pabor sa akin at ok naman napag.usapan namjn sa banko, tinawagan ko c leah na ok na,nakahinga ako ng maluwag, tinanong ako ni leah ng arrangement ko sa banko,sabi ko mdyo malaki pa pero kaya ko na,sabi nya gagawan pa dw nya ng paraan makaliit ang arrangement babawasan dw nya ng service fee, di ako naniwala pero cge kako,ilang arw lumipas tinawwgan ulit ako ni leah ok na dw mas mababa na, at dhil alm ko na sa komisyon cla kumikita binirobko syang my kita parin naman sya sakin, tumawa sya at sabing wala nga e tulong ko na sau suno sa background nya sabi ' yan na ung wala ka kita pare?' Di sya sumagot.. tsaka ko narealizes sana noon pa nakipag.usap na ko sa bank di na sana lumubo utang ko..
Mula non regular nko nakakaagbayad, last na this month..

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author avatar Miniminimynimoo
7th Apr 2014 (#)

So payo sa inyong lahat wag kayo magtGo , harapin nyo ng maayos kesa eklamo kau ng eklamo ng harrassment..

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author avatar Miniminimynimoo
7th Apr 2014 (#)

So payo sa inyong lahat wag kayo magtGo , harapin nyo ng maayos kesa eklamo kau ng eklamo ng harrassment..

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author avatar Carlo
7th May 2014 (#)

Ask ko lng,ng plan kasi ako sa smart,ung wifiau advance payment nman at byad sa modem,pero ndi ko n tiniloy pgbabauad,makakakuha ba ako ng NBI CLEARANCE? Tnx

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author avatar Bogs
14th May 2014 (#)

Hi,

Good day po Banker, ask ko lng po sana kung ano ang gagawin ko, nagkautang a ko s standard chartered bank since 2005 pa pero nagbayad nman ako cguro 2 mos before I go to Brunei, nagmit ko lahat ng laman ng credit card nun na my credit limit na 35k,kumuha ako ng mga appliance worth 25k at cash,and the by May 2005 my nagalok sa akin na coworker papuntang brunei as tourist lng muna, the get a working VISA after we found a employer..so pumayag ako nagresign nako sa company,2006 bumalik ako sa pinas kasi hindi maganda ang kinahinatnan nmin dun, naiilegal recruitment kmi, so nagpaadmit kmi sa Phil embassy, then Atty, brillantes make us a statement to bring here in the phils. and this is a evidence na naillegal ecruiment kami, banker gusto ko n bayaran ung utang ko kaso, in previous year my mga nakarating na demand letter sa dati ko pinapasukan at sa dating tirahan..posible ba na direkta ako makipagugnayan sa banko o law firm na ngbigay ng demand letter, actually gusto ko ng bayaran ung 35k in full para wla na ko intindihin sa kanila, kaya lng pagdating sa law firm ang laki n ng inabot almost 200k na ..ano po ang dapat kung gawin willing nako magbyad pero gusto sa bank mismo na Standard chartered ..please advise, kabayad ko lng kasi sa PSBank ng personal loan..thank you!!

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author avatar Jane
1st Jul 2014 (#)

I’m Mrs Bela by name. I live in UK but currently in Kuwait, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Rev.John who lend me an unsecured loan of $85,000 under a day without any stress. If you are in need of any kind of loan just contact him now via: sangqiangcashloans@yahoo.co.za I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Rev.John, i pray that God should give him long life his email. sangqiangcashloans@yahoo.co.za .Thanks

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author avatar Jane cunt
2nd Jul 2014 (#)

You are a fucking scammer jane as well. Stop advertising the email of your douchebag pastor who mongrel fucking thief. Dont believe jane, she is the scammer herself, will going ask for you full name, date of birth, address and phone number and will tell you that your loan has been approved and your identity has already been stolen!

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author avatar Ken
10th Jul 2014 (#)

Hello po,,i just want to ask if what will happen to me after Globe Telecom texted me,,tha if my globe broadband account is not settle within of of july,,my name will be in blacklisted og credit in bureau. Diko po alam,,kung ano mean nila. Last time,,sabi nila,,4 thousand dapt bayaran ko,,pra di mgkaproblema,,, pero niw ngtxt cla n 10k n babayaran ko. Ano po nangyari?? Please help me. Gaya po ng iba,,rent lng ako house,,at plipat lipat pi kami. 1 month ko lng ngamit ung globe po. Then gusto ko pa cut ayaw nila,,xe hnd daw pwd

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author avatar Jones
11th Jul 2014 (#)

My Name Is jones clefford From poland, An X-Scam Victim and how i get back on my feet and be a personal business owner with cars and landed properties…. This is to announce to the general public about a legitimate lender online.
HERE IS MY SUCCESS STORY:
I was in a critical search of a genuine loan lending company were i can obtain a loan of $50,000.00 some lender’s that Came to me sheep clothing i never knew they where frauds until i was given the terms of their loan and i agreed eventually i was scammed they scammed me of my hard earn money up to four lender’s that scammed me the sum of $10,000.00 and i though that all is over that there can never be any other genuine lender until my Husband’s Friend Barbara Blue ford the general manager of Cot sat and cot sat company told me that there is a genuine lender that he obtained a loan of $70,000.00 At 2% interest rate From that makes him own a private business and a house of his own he Referred me to a Loan company Investment,E-mail:smithstevecashloans Where he obtained the loan of ($80,000.00 ) i told them how referred me to them i applied for a loan of $50,000.00 after my application and i sent to them the useful information for them to process my loan after 12hours i received a notification From their company that my loan has been approved and processed in the next 12hours my loan of $50,000.00 was transferred into my account. And i promise them for coming to my rescue i am going to spreed the good news to the entire world ABOUT smt IS SMITHSTEVCASHLOAN IS THE BEST IN THE WORLD
smithstevecashioans@yahoo.com is their contact email
And tell them jones clefford referred you to them and your wish will be fulfilled… thanks

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author avatar Ying
14th Jul 2014 (#)

Dear Sir/Madam.

Are you a business man or woman? Are you in any financial stress or do you need funds to start up your own business? Do you have a low credit score and you are finding it hard to obtain a loan from local banks and other financial institutes? the solution to your financial problem is Ying Micro Finance Loan company.

a) Personal Loan, Business Expansion.
b) Business Start-up and Education.
c) Debt Consolidation.
d) Hard Money Loans.
e) Mortgage Finance.

We are a private financial Institution we offer 5% interest loan from the range of $5,000.00 to $20,000,000.00 from one year to fifty years.

For more information and application contact us with the information below:

Contact Mr. Ying.

Email: (hai_ying43@yahoo.com) or (contact@haiyingonline.com)

AN APPLICATION FORM WILL BE SENT TO YOU AS SOON AS WE RECEIVE YOUR MESSAGE.

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author avatar MR.Mohammed musa
15th Jul 2014 (#)

BEST LOAN OFFER,
WE ARE PRUDENTIAL FINANCIALS SERVICE COMPANY THAT SPECIALIZES IN GIVEN OUT LOANS TO INDIVIDUALS/ LOAN SEEKERS AND COMPANIES AT AN INTEREST RATE OF 4%, ARE YOU IN NEED OF LOAN, FOR BUSINESS TRANSACTION, AUTOMOBILE PURCHASE,HOUSE PURCHASE LOAN AND OTHER PERSONAL LOAN E.T.C WE GIVE OUT LONG TERM LOAN FOR FIVE TO TEN YEARS MAXIMUM WITH 4% INTEREST RATE IN THIS YOU CAN AS WELL TELL US THE AMOUNT YOU NEED SO THAT WE WILL SEND TO YOU THE TERMS AND CONDITION THAT IS IN IT. IF YOU ARE REALLY INTERESTED IN GETTING A LOAN FROM US, LOANS ARE GIVEN OUT IN EURO AND UNITED STATES DOLLAR.WE CAN GIVE YOU THE BEST
SATISFACTION IN GETTING A LOAN FROM US. AS BEING GIVING GUARANTEE AND INSURANCE THAT YOU RECEIVE YOUR LOAN AMOUNT IN YOUR PERSONAL BANK ACCOUNT IN YOUR COUNTRY. WHICH ONLY TAKES 48HRS.BANKING PROCESS.WE ALSO RENDER COLLATERAL AND NON-COLLATERAL LOANS FOR YOUR BUSINESS START UP.OUR LOANS ARE WELL INSURED FOR MAXIMUM SECURITY IS OUR PRIORITY.
INTERESTED PERSONS SHOULD CONTACT VIA E-MAIL
LENDER’S NAME: MR RICHARD WILLIAM.
LENDER’S EMAIL:creationfinance00@gmail.com
BORROWERS INFORMATION:
NAMES: ………………………………………………………………………………………………………………………………………
COUNTRY: …………………………………………………………………………………………………………………………………….
ADDRESS: …………………………………………………………………………………………………………………………………….
AGE: …………………………………………………………………………………………………………………………………………….
FAX NUMBER: …………………………………………………………………………………………………………………………………..
PERSONAL PHONE NUMBER: …………………………………………………………………………………………………………
OCCUPATION: ……………………………………………………………………………………………………………………………….
SEX: ………………………………………………………………………………………………………………………………………………
MONTHLY INCOME: ……………………………………………………………………………………………………………………..
AMOUNT NEEDED AS LOAN: ………………………………………………………………………………………………………..
LOAN DURATION: ……………………………………………………………………………………………………………………….
HAVE YOU APPLIED BEFORE:……………………………………………………………………………………………………………………….
BRIEF DESCRIPTION OF INDIVIDUAL:
NOTE : YOU ARE REQUIRED TO FILL THIS
FORM AND GET BACK TO US IMMEDIATELY
SO THAT WE CAN GET THIS TRANSACTION
STARTED.
HENCE, YOU CAN CONTACT US TODAY VIA
THIS EMAIL ADDRESS
( creationfinance00@gmail.com )
TERMS AND CONDITIONS APPLY(R)
AWAIT YOUR URGENT RESPONDS
BEST REGARDS,
MR.Mohammed musa
YES-LOAN MANAGER

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author avatar Elbert
22nd Jul 2014 (#)

Just wanna ask po ksi i have unpaid bill in globe tel com can i be imprison because of this or can they file any case like stafa?

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author avatar Mohammed
23rd Jul 2014 (#)


Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only:
mohamendloanservice@gmail.com

Please, do provide us with the Following information if interested.
1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Monthly Income:.....................
9)Occupation:...........................
)Which site did you here about us.....................
Thanks and Best Regards.
mohamendloanservice@gmail.com

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author avatar Dang Tang
29th Jul 2014 (#)

May tanong lang po ako na medyo iba yung situation. Hindi po siya credit card, kasi meron po akong kinuhang installment na item sa Automatic Center sa Cubao na na-finance ng AEON credit payable for 12 months. Nahulugan ko po yung item ng 2 months worth 4,500 na naibayad ko all in all and yung price ng item is 22,000. Ngayon nawalan po ako ng trabaho so hindi ko na po muna kaya bayaran yung item tapos yung address na na-submit ko sa kanila is wala na ako dun since wala na akong pang bayad sa upa. Sa lugar po kung nasaan ako is mahirap ang signal ng cellphone, so nangyari ang madalas nilang kino-contact is yung reference ko (officemate ko dati). Sabi gagawa daw sila ng legal action at idadamay yung office mate ko. Ano po bang kaso ang isasampa nila sa akin at ano po ba ang dapat kong gawin. Please advice, thank you....

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author avatar Dang
15th Aug 2014 (#)

Collecting agency yan. di na yung banko na pinag kautangan mo. mga mapagsamantala try mo basahin ibang mga blog about credit card non payment. just ignore. di totoo na makulong ka. sabihan mo frend mo ignore nya. sabihan nya pag kinontak cya ulit nag abroad kna

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author avatar Dang Tang
26th Aug 2014 (#)

Ang kaso po hindi siya bank. AEON is Financing Company, pareho lang ba yun? Kasi ang alam ko hindi pa collections agency ang may hawak nun eh, AEON pa rin.

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author avatar Mr Michael David
8th Aug 2014 (#)



Welcome

Do you need a loan?

Welcome to Mr Michael David Loan Company...we issued any type of loans to
Applicant who is in need of an urgent loan financial assistance and to whom the bank denied them from having credit and we are legally backed by the government. I must tell you,That in this company we give maximum satisfaction you can ever desire. All that is required of you as a borrower is genuine
information about yourself, if you are interested in our ads.

Compose a new message Contact us via Email....michaeldavid364@gmail.com


Company name: Michael David Loan Company Ltd

FILL THE BORROWER INFORMATION

Name:.......................

Country:...................

State:........................

City:............................

Address:...................

Loan amount:...................

Age:...................................

Sex:...................................

Occupation:......................

Loan Duration:.................

Monthly Income:..............

Mobile Phone Number:........

Office Number:..................

E_mail Address........................

Contact us for more info: michaeldavid364@gmail.com

Thanks

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author avatar Zoe Amber.
17th Aug 2014 (#)



Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
here is the details that i used in contacting them : mrsstarkloans@aol.com

Mrs Zoe Amber.
Neitherland.

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author avatar Zoe Amber.
17th Aug 2014 (#)

Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
here is the details that i used in contacting them : mrsstarkloans@aol.com

Mrs Zoe Amber.
Neitherland.

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author avatar Zoe Amber.
17th Aug 2014 (#)

Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
here is the details that i used in contacting them : mrsstarkloans@aol.com

Mrs Zoe Amber.
Neitherland.

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author avatar Miller Douglas
17th Aug 2014 (#)


Hello Viewers ,

I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
email : winonamillarayloanfoundation@admin.in.th
or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com

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author avatar Miller Douglas
17th Aug 2014 (#)




Hello Viewers ,

I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
email : winonamillarayloanfoundation@admin.in.th
or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com

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author avatar SkyGroup
2nd Sep 2014 (#)

We offer Business funds and Personal funds to anybody above 18 years with low interest rate If you are financially stressed, You have no more problem again because I will surely solve your financial stress with ease. This funds company can be trusted because of our vast experience over the years, Serious Applicant should contact us through email: skygroupsfinaids@gmail.com

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author avatar SkyGroup
2nd Sep 2014 (#)

We offer Business funds and Personal funds to anybody above 18 years with low interest rate If you are financially stressed, You have no more problem again because I will surely solve your financial stress with ease. This funds company can be trusted because of our vast experience over the years, Serious Applicant should contact us through email: skygroupsfinaids@gmail.com

Reply to this comment

author avatar SkyGroup
2nd Sep 2014 (#)

We offer Business funds and Personal funds to anybody above 18 years with low interest rate If you are financially stressed, You have no more problem again because I will surely solve your financial stress with ease. This funds company can be trusted because of our vast experience over the years, Serious Applicant should contact us through email: skygroupsfinaids@gmail.com

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author avatar Cornell Destiny
5th Sep 2014 (#)

Good day

We offer private, commercial and personal loans with very low annual interest rates as low as 3%

in one year to 50 years repayment period anywhere in the world. We offer loans of any amount.

Our loans are well insured for maximum security is our priority. Are you losing sleep at nights

worrying how to get a legit loan lender? Are you biting your nails to the quick? Instead of beating

you, contact Cornell Destiny Loan Firm (Loan Services) now, the specialists who help stop loans

bad credit history, to find a solution that victory is our mission.

Those interested should contact me by email:
Name of creditor: Cornell Destiny.
Lender E-mail: cornelldestiny@live.com

Best Regard,
Mr. Cornell Destiny.

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author avatar Marsha
8th Sep 2014 (#)

Do you need personal loan? Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? We give out loan to interested inviduals who are seeking loan with good faith. Are you seriously in need of an urgent loan contac us at Email: fasterloanservice@gmail.com
APPLICATION DETAILS
Your Full Details:
Full Name:
Loan Amount Need:
Loan Duration:
Phone Number:
Applied before?
State:
Monthly Income:
Country:
You are to send this to our Company Email Address: fasterloanservice@gmail.com

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author avatar Marsha
8th Sep 2014 (#)


I am a private loan lender which have all take to be a genuine lender i give out the best loan to my client at a very convenient rate.The interest rate of this loan is 3%.i give out loan to public and private individuals.the maximum amount i give out in this loan is $1,000,000.00 USD why the minimum amount i give out is 5000.for more information contact us email fasterloanservice@gmail.com
Your Full Details:
Full Name :………
Country :………….
state:………….
Sex :………….
Address............
Tel :………….
Occupation :……..
Amount Required :…………
Purpose of the Loan :……..
Loan Duration :…………
Phone Number :………
Contact email:fasterloanservice@gmail.com

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author avatar Kanke Loaners
14th Sep 2014 (#)

Do you need a business loan or to pay off your debt , Kanke Financial group of company is the right company to assist you. If you need a loan of any kind ,Kindly email us now for more information. diskanke@gmail.com

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author avatar Lim koh
15th Sep 2014 (#)

Attention:
Do you need cash to settle you debts and solve other financial problems? search no more because we are currently giving out loan to individuals and companies at 2% interest rate...Reply back to us so that we can furnish you with more information on getting a loan.
NOTE: All Responses should be forwarded to: ( lim.koh56@yahoo.com ) for quick processing.
Thanks and God bless you.
Regards,
Lim Financial Services...

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author avatar John Famous
17th Sep 2014 (#)

Dime cuánto has vamos a ver si es suficiente para comenzar su transacción de transferencia de préstamo

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author avatar John Famous
17th Sep 2014 (#)

Are you are looking for a loan of any kind, in order to solve your financial instability? We wish to inform you that we are here to help you in any way finincialy. Please E-mail us today to get your emergency loan at an interest rate of 2%.
EMAIL: famousloans@hotmail.com

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author avatar Helen
18th Sep 2014 (#)

Hi, please i quickly want to use this medium to shear a testimony on how God directed me to a real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,700 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Andy Jackson who is the CEO Andy Jackson Loan Company So i applied for a loan sum of ($90,000.00) with low interest rate so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than three(3) days the loan was deposited into my bank account i thought it was a joke until i received a call from my bank that my account have been credited with $90,000.00 i became so happy that finally god have answered my prayers by directing me to a real loan lender who was able to grant my heart desires. big thanks to Mr Jackson for making life reasonable for me so i am advising everybody who is interested in getting a loan to kindly contact him via email (andy.jackson130@gmail.com) that was how i was able to get my loan, so i was able to pay off my bills. thanks as you took out time to read about my success story and i pray god will also do his will in your life

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author avatar Lim koh
23rd Sep 2014 (#)

Attention:
Do you need cash to settle you debts and solve other financial problems? search no more because we are currently giving out loan to individuals and companies at 2% interest rate...Reply back to us so that we can furnish you with more information on getting a loan.
NOTE: All Responses should be forwarded to: ( lim.koh56@yahoo.com ) for quick processing,even if you have bad credit your loan will still be 100% approved.
Thanks and God bless you.
Regards,
Lim Financial Services...

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