There are a number of good reasons in favor of having and using a credit card. Still, we all know the possible adverse results in the unchecked use of “plastics” or credit cards, such as this one: “THERE’S a credit-card horror story that’s become some sort of an urban legend: A television personality, after losing his job in a top network, resorts to using his plastic money. By the time he finds employment in the rival network, he has wracked up P58,000 in credit card bills. But he figures he’s not yet ready to pay in full, so he pays just the minimum amount due. Yet after five years, he is shocked to realize that his credit card debt had ballooned more than 10 times to P700,000.”
Perhaps you’ve heard, or, most probably, experienced certain “innovative” strategies used by credit card companies and their collection agencies in “persuading” you to pay (they are, of course, entitled to payment). With the rising complaints against these strategies, the Bangko Sentral ng Pilipinas (BSP) issued a set of rules and regulations governing the credit card operations of banks and affiliate credit card companies.
As a rule, banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement. However, in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts. Without limiting the general application of the foregoing, the following are considered unfair collection practices
- a) the use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
- b) the use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws.
- c) disclosure of the names of credit cardholders who allegedly refuse to pay debts, with certain exceptions.
- d) threat to take any action that cannot legally be taken.
- e) communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed.
- f) any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder.
- g) making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6:00 a.m. or after 10:00 p.m., unless the account is past due for more than sixty (60) days or the cardholder has given express permission or said times are the only reasonable or convenient opportunities for contact.
As a rule, banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement. However, in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts, including those enumerated above.
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ask ko lang po me utang po ako sa card ko na 101,000 na ang minimum due at ang mga naka paylite ko ay almost 200k nag email po ako sa kanila na sana ay itigil na nila ang pagpatong ng interest at bigyan ako ng flexible terms para mbyadan ko sila dahil ayoko ng may tinataguan dahil yun lang ang kaya ko…. ngayon po ay wala na kaong pambayad anu po ang mangayayari sa akin? nababahala po ako
I have a credit card from Eastwest bank. I didn’t apply. They automaticaly sent me a credit card with 55,000thousand pesos limit. I used it and I was paying it above the minimum payment and always on time. Not until I got pregnant and gave birth. I needed to file my leave of absences from work dahil sa maselan kong pagbubuntis. During that time I dont have any income. Umaasa lang ako sa Mommy ko kung meron syang iaabot sakin na pera para pambili ko ng gamot at vitamins ko during may pregnancy. I am a single mom wala ako nakukuhang support sa tatay ng aking anak kahit piso. After I gave birth I had some complications, taas baba ang blood pressure ko, hindi pa ako fit mag work. And may condition ang paa ng anak ko noong pinanganak ko sya. He was born with bilateral clubfoot. Kinailangan ng therapy. Nagsosolicit ako sa mga friends at relatives ko para maitawid ang kanyang therapy.May son is 1yr old now he’s still on therapy until he is 5yrs old. I just got back from work 2months ago, i haven’t got my first pay yet..
For almost a year now I wasnt able to make my payments to eastwest bank. I’m receiving texts and calls every now and then. I even told them my situation. I advised them na pag nakaluwag luwag ako hindi ko kakalimutan ang balance ko. I got a letter from Telan Hipe Flores Telan & Associates about a demand letter for a settlement. I didnt return the letter. I didnt mind the letter. Dahil kapag nakikipagusap ako sa Eastwest tumatawag ako directly sa Eastwest hotline hindi sa Third party collection. June 14,2015, Sunday 10:00am I was in bed taking good care with my son because he was sick. Tinawag ako ng Mother ko telling me may babae at lalaki na nakamotor sa labas ng gate from eastwest bank looking for me asking me to return the demand letter they sent me. I told my mother na sabihin bumalik sa ibang araw dahil wala yung letter na hinahanap nila. Wala akong panahon maghanap ng letter dahil nag aalaga ako ng anak ko and it was even sunday wala akong consent from the bank na pwede nila ako tawagan or puntahan anytime na gusto nila. Bumalik ang mother ko sakanila to tell them na bumalik nalang sila. Hindi pa din sila umalis, they asked instead na pirmahan ko nalang yung letter nila. My mother ran again to get my signature. I told my mother i wont sign anything. Bumalik uli ang mother ko sakanila pagbukas nya ng pinto ung babae pumasok na ng gate namin kahit hindi naman sya pinapatuloy na pumasok. Sinabi ng mother mo sakanila hindi ako pipirma. Pero hindi pa din sila umalis but instead hinihingi nya ang cellphone number ko. Pumasok uli ang mother ko to ask if pwede nya ibigay ang cellphone number ko. Nilabas ko na sila dahil ayaw talaga nilang umalis. Pag labas ko ng pinto nasa loob pa din sya ng gate namin. Lumapit ako sakanya hindi man lang sya nagpakilala or nagpakita ng ID. Ako pa ang nagtanong sakanya kung taga saan kumpanya sya ang sabi nya Telan Hipes at sya daw si Amor taga Eastwest daw sya. Tinanong ko sya kung anong meron. Sabi ng babae, kailangan nya yung letter. Sabi ko wala sakin ang letter at bakit sya nagpunta ng linggo bawal yang ginagawa nila dahil harassment yan. Pumasok bigla ang lalaking kasama nya sa gate kahit hindi din sya pinapatuloy. Lumapit sya sa amin, ang sabi nya pwede na po yun kahit anong araw pwede kaming magpunta. Sabi ko balik nalang kayo sa ibang araw kasi wala sa akin ung letter. Hindi sila umalis, pinipilit nila na pirmahan ko nalang yung letter na hawak nya. Sabi ko hindi ko yan pipirmahan. Sabi nya kunin nalang daw nya ang cellphone number ko. Sabi ko bakit ko ibibigay sayo, kung taga Eastwest ka you can have my number by checking your database dahil lagi ako may natatanggap na text at calls from Eastwest, bumalik nalang kayo sa ibang araw. Sabi nya bakit daw sila babalik pa sa ibang araw eh nandun na daw sila after ko daw sila paghintayin ng 30mins ako na daw ang tinutulangan ako pa daw ang galit. Sabi ko “d ba ginusto mo yan, kanina ka pa pinapaalis walang nagsabi sayong maghintay ka at hindi ko hiningi ang tulong nyo”. Kung kailangan ko ng assistance i will call Eastwest bank directly. Minura ko na sya. “Tangina mo pala eh”.. Minura din nya ako habang nasa loob sya ng gate namin “Putangina mo din”. Sabi ko Gago ka idedemanda kita trespassing ka. Inaawat na sya ng lalaking kasama nya. Hinihila na sya palabas ng gate pero ayaw pa din nyang paawat. Matapang pa din sya. Dinuro duro nya ko sa labas ng gate. Sinigaw ang fullname ko at napaka kapal daw ng mukha ko utang utang ako hindi ako marunong magbayad. Lahat ng taong dumadaan at mga sasakyan huminto at nakatingin sa amin. Iniskandalo nya ako. Hinaras. Tandaan ko daw ang mukha nya. I showed her my dirty finger. She said mamatay na daw ako. At patuloy pa din syang sigaw ng sigaw about sa utang ko. Sinakay na sya ng lalaking kasama nya sa motor sinigaw nya na papabarangay nya ako at tandaan ko daw mukha nya. Sabi ko go ahead samahan pa kita. Umalis na sila ng bahay. Tumaas ang dugo ng Mother ko dahil sa ginawa nilang iskandalo. Matapos kong pakalmahin ang mother ko, pumunta ako ng barangay para magparecord about the incident. Pagdating ko ng barangay sabi sakin kakaalis lang daw ng babae at nagdedemand sila ng hearing. Ang sabi ko walang problema sakin mabuting magkaharap kami uli at sabihan lang nila ako ng date ng hearing para maudjust ko ang schedule ko.
Gusto ko lang pong linawin kung may karapatan ang collection agency na pumunta sa bahay kahit sunday even wala akong consent from the bank? At may rights po ba sila pilitin akong pirmahan ang documents nila? Naging mabuting credit card holder naman ako dumating sa punto na i needed to prioritize other things. Alam ko na may balanse ako sa Eastwest hindi ko iyon tinatanggi at magbabayad ako kapag nakapagsimula na ako uli at maging stable na ako lahat. I dont think I deserve that kind of treatment. Hindi lang ako ang iniskandalo nila pati pamilya ko. Sana po matulungan nyo ako or mairefer nyo po ako sa tamang department para mabigyan ng hustisya ang pangbabastos na ginawa nila sa akin at pamilya ko. Salamat po.
hai cai cai anu pong nangyari sa letter na un?. and in what way ka po ng. babayad? kasi my natanggap na letter ang kapatid q same agency dn na ng. bigay ng letter sau. tas kununin nila after 5 days.
Hi ,
Ano na nangyari sa transaction with Telan? I got the same notice from them through phone and email
Hello, from Telan din ang collector ko na super na ang humiliation na ginagawa sa akin. Ano na nangyari kaya sa case ni Chichi?
bakit kasi minimum lang binabayad mo. alam mo naman na mataas ang interest sa credit card umaabot 3.5% per month? dapat pag may credit card ka, palahi kang full payment on or before due date.
hello advice ko lang huwag nyo awayin yung collection agency kasi may authority sila mag file lalo na sa attitude na ipapakita nyo pwede nyo naman kausapin eh
This is about aeon credit. Sabi nila may 100 pesos daw kami na utang which is penalty dahil daw late yung pay,ent namin which is months ago na. Our minimum payment is 1,416.75. Ngayon up to date na bayad namin kinikulit naman kami dahil sa may 100 pa daw kami na utang. Tapos tumawag na naman sila sabi na naging 200 na daw kasi after 5 days nadadagdagaan daw ng 500.san ko ba sila pwede iteklamo. Abusado na tong aeon na to. Tawag ng tawag at nasa policy yunpero di naman kami mabigyan ng copy ng contrata. Pls help. Tnx
Been receiving insulting and “undignifying” words from the representatives of Aeon Credit Philppines. I know, hindi lang ako nag-iisa. Can we file a class action suit against them? they are even disclosing my outstanding loans to some of my contacts na wala naman kinalaman sa loan ko. I only defaulted by 2 months, and I am consistently paying my bills naman.
words like “ang galing mo mangutang, dika sanay magbayad” or like “puro ka palusot, magbayad ka na”.
“kapal ng muka mo, magbayad ka ng utang mo”.
sa mga binabastos jan ng aeon, please contact me
hindi ka nag-iisa sir.. tsaka legal ba yung pagpapatong nila ng penalty na grabe every 5 days may patong na 100.. kahit sa hulugan n motor hindi ganun pero bakit ganun sa kanila? legal ba yun?
Hi! Ask ko lng kung anong mangyari sa debts nyo sa aeon?
Hello po…nababasa ko yung mga comment but what my worst experience is in HoMe credit …alam ba ninyo na ang collection officer dyan ay mas worst p sa collection officer ng bank and take note sa halGang 20.,000 lang at nag delingquent sa pag babayad lahat ng pang haharass ginawa nagpapakilalaga taga NBI …kaya guys etong Company na eto wag na wag kayong mangutang baka tuluyan na kayong mabaliw..mas worst pa yan sa credit card…kaya aware lang po kayo guys
Hi guys same ung ngyari sa akin from enzi etc,pinagmumura ako as in daming foul na salita bnitawan ng collector,one time pinost nya pa sa wall nv fb friends ko ung utang ko pati ung amount ng loan ko,di na na kontento sa pag ppm sa mga friends ko,nkiusap akong e remove nya post nya pero ee dedelete lng daw nya pag ngbayad nko,sobranv napikon ako pti mga friends pnagmumura siya,at snbihan ko siya na sobra ka na ha,kajasyhan kta ng grave slander at libel dhil lhat ng msgs at post nya sa wall nka screenshot,snbi kk dn na pwde sila kasuhan ng trespassing pgpumunta sla sa bhay,ayon ntakot ang gago binura agad at nging ok ung pkikiusap nya sa akin,so dont be afraid know ur rights.lalo na sbi ko sa knya wla slang krapatan mgmura dhil di sa sriling bulsa nla gling ung inutang ko,lalo na sa abroed ko inutanv at di sa pinas..hope makatulong to,have a good day?
And take note pag katapos nya ako murahin grabe ang hingi nya ng sory tao lng daw siya,daming kaso ang sinampa ng gago sa akin which is panakot lang nila,kc pag dika ngbyad wala slang komisyon kya gnun sla ka eager na pagbayarin ka,kng saan ka umutang un lng ang my karapatang sumingil sayo,kaya sinabi ko sa kanya di nko mkiki pag ugnayan s knya,kalalaking tao kung mag mura masahol pa sa 10 ang bunganga!
Hi po isa po akong dating ofw sa dubai at nagresign po ako sa company n pinasukan ko due to some family problems . May naiwan po akong balance sa credit card ko and ask my husband to pay it for me since sya yung naiwan dun sa dubai. So that my name will be clear if i wanted to go back that was 2011. And after a few months umuwi din yung husband ko at di nbyaran yung balance ko. Dahil nka away nya yung manager nya so he decided to go back in manila. From then on after 8months may naghahanap n sakin sa brgy namin and asking my whereabouts. They gave me a number so i called but its not reachable.to make the story short they were a collecting agency and they informed the barangay that they will file a case against me for my 6.500dhs or 70k pesos . Credit card balance that blew up to 200k . Then something happened we had a big fight in our house with my sister so we decided to go somewhere else. Na d alam nila it took us years to reconcile then i found out that the coll agent came back to them and said that i need to pay it. They told the agent that they dont know my house for years and that we had a big fight so i did not came back to our house since then. After a while my other siblings told me one day in 2015 of june that my name is in the watchlist in makati rtc for an estafa case. They found out that my bal blew up to 800k from 65k in 2011then 200k in 2012 . What should i do ? I want to get an nbi to go back to work overseas but now im scared that somebody may arrest me.
Pls advice.
hi po we are on the same situation can i contact u in person?
Hi ms charm0320
Ano na po nangyare sa case nyo? Ganyan din ung sa akin maliit lng utang naging milyon… collector asking me a huge amount pero and emirates nbd askng me for 8000aed lang…
Maam charm, pwede mag ask kng ano na nangyari sa case nyo, kasi ganyan din nangyari sakin
can credit card company garnish your existing debt to your salary?
is this a legal procedure? if so, what are the requirements and procedures to make it legal?
hi.
nag loan po ako ng apliance s aeon crediting worth 14,999 . nakapag hulog npo ako ng 5mnths sknila. then ngyon 3mnths .po aong hndi naakapag hulog dahil s financial problem. pag tumatawag skin ag agent nila di ko nasasagot dhil bc dn s work. tpos pag ssgutin ko nmn parang lagi silang nananakot. then this week po nag send cla ng msg skin na mag pa file dw cla ng case under republic act9510 .
ang tanong ko po e kung ano ang posible n mangyari pag nag file sila ng republic act.9510
and tama po b na magsampa sila agad ng kaso skin? salamat po. hi.
nag loan po ako ng apliance s aeon crediting worth 14,999 . nakapag hulog npo ako ng 5mnths sknila. then ngyon 3mnths .po aong hndi naakapag hulog dahil s financial problem. pag tumatawag skin ag agent nila di ko nasasagot dhil bc dn s work. tpos pag ssgutin ko nmn parang lagi silang nananakot. then this week po nag send cla ng msg skin na mag pa file dw cla ng case under republic act9510 .
ang tanong ko po e kung ano ang posible n mangyari pag nag file sila ng republic act.9510
and tama po b na magsampa sila agad ng kaso skin pero mag babyad nmn ako pag naka recover nko s financial problem.
salamat po s pag sagot..
Hi…same as you po..ano na pong nangyari sa case nyo?