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Credit Card Payment Problem

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101 Data Privacy Concern on Mon Jun 18, 2018 10:42 pm

lonelyboi


Arresto Menor
Hi.
Meron akong credit card na hindi nabayaran way back 2010 or 2011 due to a financial crisis. After a few bank statements, nakatanggap ako card termination notice galing sa banko at yun na yun. Feeling ko nga nakalimutan na ako ng banko kasi madaming beses ako tumawag sa kanila before at humingi ng amnesty or loan structuring man lang at sinabihan ako ng mga agents nila na wala silang magagawa kasi active pa yung card ko.
I kept my number and email since then but still walang kahit anong contact from the bank.
Last year, I tried to file a loan sa bank. Housing loan sana so kinolekta nila contact details ko then tinawagan ako ng loan officer at sabi may hit daw ako, pero try nya pa din daw ipa-approve. All of the sudden, may nag email sa akin. Mukhang collection agency, asking me about dun sa credit card ko na 7 years na atang nananahimik. Sabi ko tatawagan naman ako ng bank if ever kasi same number pa din gamit ko. Then lumipas ang isang taon, bwenas na nakapag abroad. Same bank na inaapplyan ko ng loan nagpa update ng contact details, so nag update ako in good faith. Bago na number ko kasi nga nasa abroad na. Eto na, me tumawag bigla, collection agency. Kinauaap ko naman ng maayos at willing naman ako mag settle kasi nga medyo kaya na. Ang problema ko lang, bakit yung details ko na alam ng bank ng credit card ko - di nila ako makontak, samantalang yung bagong number, nakuha nila agad. Saka timing sa credit check yung pag tawag ng collection agency.

Tanong ko lang po, pwede ba ako mag habol sa breach ng information privacy ko? May nag advise na din sa akin na kontakin ko daw national privacy commission. Gusto ko lang sana malaman kung may legal merit yung situation ko?

Salamat!

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102 Re: Credit Card Payment Problem on Fri Jun 22, 2018 4:36 am

arnoldventura


Reclusion Perpetua
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?

Pwede. Yun ang legal remedy na pwedeng i-avail creditor mo kung talagang hindi ka makakabayad sa kanya. https://www.alburovillanueva.com/proven-ways-debt-collection

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103 Unpaid credit card on Sat Jul 07, 2018 12:34 pm

Angelofmine008


Arresto Menor
Good pm panu po kaya un sa aken
Nasa 114k last bill ko na balance lahat
Nagoadala na saken telan law firm na kailangan withnin five days maisettle ko to avoid inconvinience litigation and pamamahiya nila
Sa ngaun wala po akong ibabayad
Ayaw naman pumayag ng card na 5 years ko bayaran
Kase madami po ako binabayaran
Anu po kaya maganda
Madedenda ba agad nila ako?

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104 Re: Credit Card Payment Problem on Tue Sep 11, 2018 6:41 am

Sanding


Arresto Menor
@kizzabianca2

Hello po ask ko lang ano na po nngyri dito sa inyo? Kami kasi my summon nrin and for hearing na.

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