The Lies I Heard From My Credit Card Debt Collectors in the Philippines
One reason why you're here is maybe because you're experiencing threats or harassment from credit card debt collectors here in the Philippines. Be placid, just don't believe them. Because all you'll hear from them are big lies.
- I am a filipino credit card defaulter
- The piece of paper saying they will file you a criminal case RA 8484
- I have a travel Ban...I can't work abroad?
- Texting me saying I already have a warrant of arrest
- A police came to my home giving a piece of paper
- Saying they will get my properties
- Why these credit card debt collectors doing this to me ?
- Things I need to ask credit card debt collectors
- What did I learn from these situation?
I am a filipino credit card defaulter
For whatever valid reasons I have that I wasn't able to pay some of my credit cards here in the Philippines, I know it was all my fault. I am guilty that I stopped paying my credit cards but I should move on with my happy life.
Yes, it came to a point that I feel too worried about these unpaid credit cards, why? That is because of these credit card debt collectors who never fail to call me, harass me, insult me, give some threats, yell at me and what not. They will do everything just to make me feel desperate to pay them. Yes I feel scared at some point in my life...paranoid maybe.
Until one time I dropped by a blog where I found people with the same situation like mine. The blog gives some guidelines on credit card paranoia. Reading the whole content of that blog is maybe a sign from God telling me to stay calm and I must not be afraid.
To cut the story short, I learned that all the things I heard from my credit card debt collectors here in the Philippines are all lies.
If you are experiencing the same things like mine, here are the words you can hear from them too...that you shouldn't believe.
The piece of paper saying they will file you a criminal case RA 8484
I stopped believing this lie when I learned that defaulting credit card is not a criminal case after all. It's just a civil case in the Philippines. I also learned that RA 8484 is a criminal case only for those people who defraud credit card companies, people who faked their identity to get approved for a credit card.
So the question of what will happen with my N.B.I clearance is already answered. N.B.I is only handling criminal cases. Yes, I'm cleared and can work both local and abroad if I want to.
I have a travel Ban...I can't work abroad?
So if this is a civil case, what travel ban these people are saying?
Perhaps, another fantasy from my credit card debt collectors. For sure.
Texting me saying I already have a warrant of arrest
Well if I already have a case and I have a warrant of arrest, why they should have to text it? Would it be great to receive it personally?
Come to think of it, if I am really a criminal and I received an SMS like this, would I not start looking for somewhere far from my home to hide? Again, it is a lie.
A police came to my home giving a piece of paper
And that piece of paper is another final demand letter from my collectors...yay! another bluff! I should have immediately report this police to the higher authority or file him a case of extortion and use that piece of paper as a scratch.
Saying they will get my properties
Without a civil case file in court? and without proper hearing and all that? This is a baloney. And what properties will they want to get from me, my old appliances, the pet cage of my dog, my bath towel, what else?
Why these credit card debt collectors doing this to me ?
At first I thought that they are just concern with me not paying my credit cards. But after they begin showing their true color, I stopped believing that these people are people that I should trust my whole life with as a credit card defaulter. Not these people who all they need to get from me is money. All they want is to collect money from me so that they can feed their hungry big stomachs.
How unfair life is for credit card defaulters like me here in the Philippines. But at least now I know that I have nothing to worry about. They can't do anything to me as long as I know my right.
Things I need to ask credit card debt collectors
Why should I have to pay my credit card debts if the bank is no longer interested with it? if the bank keeps on referring me to the collections agency of some unknown law offices? Why should I have to pay if the only thing that they can give me is the demand letter asking me to pay this incredible amount of 40k pesos in just 5 days. Who they are by the way?
If they can't provide me my statement of account that is certified true by the bank, why should I have to pay? If they can't agree with my terms, with my intention to pay only the amount I can? Why should I force myself to agree and sign on their biased agreement.
What if I don't like to pay them really and they said that they will sue me in court? Then I will dare their bluff, tell them to go ahead and sue me. At least in court, the judge is fair and will understand my situation. 100 % that they will win the case, but one thing for sure, it's a pyrrhic victory after all. Harassment and threats ? I worry no more, because I know I can can complain them to Banko Sentral ng Pilipinas ( BSP ) for their violation of Circular 454.
What did I learn from these situation?
A lot and I learn from my mistakes.I learn so many things that makes me tougher and braver. In this life, there are people who will want to scare me and take advantage of my situation. But what should I have to be afraid of if I know my right? I treat this as an experience, a challenge that will make me a better person in the end.
Up until now, I am receiving words from my credit card debt collectors here in the Philippines, but unlike before, I'm already placid this time. Now that I know all the words that come out of their mouths are nothing but just lies.
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