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Credit Card Payment Problem

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1 Credit Card Payment Problem on Fri Aug 07, 2015 10:40 am

almynrah


Arresto Menor
Good am po. Itatanong ko lang po kc yung nanay ko, may credit card sya, 2 kaso hndi n po niya nababayaran kasi wala na po siyng trabaho retired na po siya. Pinadalhan na po siya ng final demand letter ng bangko. binigyan po sya ng 5days n ma settle ung account nya to spare embarrassment, inconvenience and additional expenses that a court litigation entails. Ano po ba ang pwede niyang gawin? May sakit sa puso pa nmn po ang nanay ko. Salamat po

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2 Re: Credit Card Payment Problem on Fri Aug 07, 2015 12:43 pm

Filia


Reclusion Perpetua
Wala. Di naman makukulong ang nanay mo dahil sa utang. Kaya nga lang, pwedeng ang mga properties ang maging kabayaran ng utang KUNG maghahabla talaga sila.

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3 Re: Credit Card Payment Problem on Wed Aug 12, 2015 10:18 am

pepe1928


Arresto Menor
relax lang po..makakasama sa mama mo masyado magisip.normally collection agency lang sila at nanakot para makasingil sa inyo.if ever na may case man, sa court mismo yun manggaling and it takes time bago magkaron ng garnishment like nung sinasabi ni Filla

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4 Re: Credit Card Payment Problem on Mon Aug 17, 2015 12:02 pm

mynrah


Arresto Menor
salamat po s mga response nyo Filia ate Pepe1928

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5 Re: Credit Card Payment Problem on Wed Aug 19, 2015 9:03 am

pepe1928


Arresto Menor
welcome.basta wag na lang kamo masyado isipin yun.

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6 Re: Credit Card Payment Problem on Wed Sep 30, 2015 11:21 am

edjoy11


Arresto Menor
Good Morning po, may credit card po ako at di ko na din ito nbayaran dahil nawalan ako ng work ,,madami po tumatawag sa akin almost 1 yr. na din kasi yun since nung nag karoon ako ng card. my mga tumatawag sakin na attourney at sinasabi na may kaso na ako, binibigyan nila ako ng amount na dapat ko bayaran that day. ok lang ba na sa mismong bank ako mag transact di ko na din kaya bayaran ng isang bagsakan, ang gagawin ko sana ay pa unti unti every month...

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7 Re: Credit Card Payment Problem on Thu Oct 01, 2015 8:41 am

pepe1928


Arresto Menor
actually much better talaga na sa bank mismo and one more thing once na naniningil sila may sure that they had referral code from the bank para sure mo na authorized sila ni bank.Gawin mo magipon ka muna pambayad then sa bank ka mismo makipagtransact, wag ka matakot sa mga collector nagpapanggap lang mga yan na attorney. Very Happy

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8 Re: Credit Card Payment Problem on Thu Oct 01, 2015 11:00 am

edjoy11


Arresto Menor
Thank you po. Actually tumawag pa nga sila sa employer ko sya daw ay taga phil. new star ung news paper ipopost daw nila ung muka ko sa newspaper. employer ko pa talaga ang nakausap nila. sinabi pa nila na may kaso na daw ako sa nbi, meron na daw ako derogatory record sa nbi. buti nlang di naniwala ung employer ko.

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9 Re: Credit Card Payment Problem on Thu Oct 01, 2015 7:45 pm

pepe1928


Arresto Menor
wag ka maniwala dun..kung gusto mo idare mo sila magkita kamo kayo sa presinto kung talagang may record ka. Smile

wala pa ko nabalitaang may utang sa credit card na pinublish sa dyaryo at isipin mo company idadamay?haha dare them,di nila magagawa yan.relax ka lang at unahin mo need ng family mo.pag nagkapera at nakaluwag ka saka ka magbayad. Smile

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10 Re: Credit Card Payment Problem on Wed Oct 14, 2015 2:47 am

eramos


Arresto Menor
Good Morning. I've been using my credit card for 10 years. unfortunately I lost a job just this June. I now failed to pay my debt since then. from 220k my total amount due now is 260k. The bank called me and told me that I must pay 12600 first before I can apply for account restructuring with an interest rate of 1%. I was not able to pay it as of now because I am jobless. What should I do or how should I respond to the threats of a law firm that they will file a case against me if I failed to settle the said amount. I have no intention of running from my my obligation that is why I constantly coordinate with the bank.
Please advise.

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11 Re: Credit Card Payment Problem on Thu Oct 15, 2015 7:49 am

pepe1928


Arresto Menor
nagreply na ko sa PM mo. Smile

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12 Re: Credit Card Payment Problem on Sun Oct 18, 2015 4:14 pm

eramos


Arresto Menor
maraming salamat po pepe1928.

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13 Re: Credit Card Payment Problem on Mon Oct 19, 2015 2:28 am

tca33


Arresto Menor
Help! I couldn't pay 2 credit card balance (same bank) because of financial problem. The bank offered me a restructed payment program. I agreed and signed the documents they gave me. I cannot pay the agreed amount anymore. Kala ko kaya ko bayaran. One month pa lang nababayaran ko and my financial status is getting worse. Pag kinasuhan ako ng bank, as they mentioned to me, pwede ba ako makulong for breach of agreement? Asa 500k na din kasi yung balance nadagdagan na din because of interest, late charges and finance charges.

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14 Re: Credit Card Payment Problem on Mon Oct 19, 2015 1:12 pm

pepe1928


Arresto Menor
tca33 wrote:Help! I couldn't pay 2 credit card balance (same bank) because of financial problem. The bank offered me a restructed payment program. I agreed and signed the documents they gave me. I cannot pay the agreed amount anymore. Kala ko kaya ko bayaran. One month pa lang nababayaran ko and my financial status is getting worse. Pag kinasuhan ako ng bank, as they mentioned to me, pwede ba ako makulong for breach of agreement? Asa 500k na din kasi yung balance nadagdagan na din because of interest, late charges and finance charges.

walang nakukulong sa utang, kung meron man..siguro napakadami ng nakakulong ngayon Cool

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15 Re: Credit Card Payment Problem on Mon Oct 19, 2015 2:34 pm

tca33


Arresto Menor
Thanks so much pepe1928!

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16 Re: Credit Card Payment Problem on Mon Oct 19, 2015 2:39 pm

tca33


Arresto Menor
Eramos, we have the same situation and problem. I hope you can share how you will reply to threats from law firms. I also do not plan to run away from my obligations...

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17 Re: Credit Card Payment Problem on Mon Oct 19, 2015 3:10 pm

pepe1928


Arresto Menor
threats?panong pananakot po ginagawa sayo?

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18 Re: Credit Card Payment Problem on Mon Oct 19, 2015 8:23 pm

tca33


Arresto Menor
Hahabulin at hahabulin daw ako kasi malaki yung amount. Pagnasa court na daw yung case kukunin daw ng bank any ownership na meron ako para mabayaran ang bank. Problem ang laki ng nirerequire nila na amount if makikipagarrange ako sa kanila. Di ko kaya yung monthly amortization tapos 3% monthly interest pa, which I mentioned na to the law firm.

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19 Re: Credit Card Payment Problem on Thu Oct 22, 2015 3:09 pm

pepe1928


Arresto Menor
Then sabihin mo na ituloy nila ang case, Did you know that once they filed the case wala na silang komisyon (law office) at hindi sila nagfifile nun, si bank mismo. Normally matatalo ka talaga sa decision ni judge and they will require you to pay but syempre dadaaan lahat sa proper procedure and ang mas maganda nito normally 1% lang ang charges so possible na irecompute yung utang mo. yung attachment of properties na sinasabi nila matagal pa un, normally once na may judgement na and telling you to pay and wala talagang pambayad then saka magrerequest si bank ng writ of execution pero may mga exempted naman sa garnishment and normally they only look for savings/deposit account mo with other banks.

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20 Re: Credit Card Payment Problem on Thu Oct 22, 2015 3:28 pm

tca33


Arresto Menor
Thank you so much pepe1928!!!

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21 Re: Credit Card Payment Problem on Thu Oct 22, 2015 5:19 pm

pepe1928


Arresto Menor
@tca33 if ever naman na super harass sila you can also sue them,like grave threat etc. basta wag ka kabahan.unahin mo need ng family mo and move on. settle your obligation when financially stable ka na. Godbless

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22 Re: Credit Card Payment Problem on Mon Nov 16, 2015 7:14 am

Sniper_16


Arresto Menor
Eramos, we have the same situation and problem. I hope you can share how you will reply to threats from law firms. I also do not plan to run away from my obligations...

Same hear please share.. andamin ko n problema,dko n po sinasagot un calls nila kc na aapektuhan n previous work ko pati family ko. Now may mga letter p n natatanggap. Stress n sobra utak ko.. thanks

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23 Re: Credit Card Payment Problem on Thu Nov 26, 2015 11:15 pm

Breatheagain


Arresto Menor
may tanong po ako, may account ako dati mga 8yrs ago sa citibank na hindi ko na nabayaran, naalala ko mga 20k un, tapos ngyn bumili ako ng bahay at nasubmit na ang document ko sa bank. Nirerequire ako ng clearance from bank. Does it mean na bayaran ko ung unsettled account ko? makakakuha ba ako ng clearance certificate pag nagbayad ako? sa bank po mismo ako magbabayad or sa collection agency? appreciate anyone who can give me advise.

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24 Re: Credit Card Payment Problem on Tue Dec 01, 2015 1:45 pm

hypnosia15


Arresto Menor
Good day po salat. I need your advice on this. Meron po akong utang sa standard chartered bank na 210k. Ang minimum po nito na binabayaran ko ay nasa 11k per month po. Nagka problem po ako s budget ko due to medication at iba png kailangan sa bahay. Bread winner po ako sa amin, hind ko na po nakayanan na bayaran ung minimum sa bank. Tumawag na po ako s kanila na ipinapa-freeze ko n ung account ko but they don't allow it. Hanggang sa umabot na yung balance ko ng almost 300k because of the penalties they keep on adding on my account. They offer me an installment plan pero kailangan ko daw mgbayad ng almost 15k in which i cant afford po. And now there is a law firm sent me again a demand letter to pay or else s court n ung usapan. Need ur advise on this po. If ever na may pwede po ako maka usap na lawer sa inyo sna po makausap ko po kyo. Medyo affected n dn po ung family ko at stress n dn po ako. Maraming salamat

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25 Re: Credit Card Payment Problem on Tue Dec 01, 2015 4:20 pm

missMECG


Arresto Menor
Sir Pepe. Ako po may pagkakautang at may kasulatan kami. Halagang 40k at ang usapan namin bago mag December mgbbyad ako kaso wala pa ako nabayad kasi nawalan ako ng ktrabaho. Pwede nia ba ako idemanda?

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