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Credit Card Payment Problem

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51 Re: Credit Card Payment Problem on Tue Sep 06, 2016 11:58 am

Yza143


Arresto Menor
sana po mabigyan nyo ako ng advise about my credit card problem

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52 salary loan bp 22 on Thu Sep 08, 2016 11:22 am

tpilo09


Arresto Menor
Good afternoon po sir. magseseek sana ako ng advice. Nagloan po kase ako sa isang bank. Nung una ay nakakbayad po ako ng maayos kaya lang po dahil sa mga personal na pangyayare at pagkababa ng sahod ko sa company, hindi napo ako nakabayad ng mga sumunod. Nagsesend po sila sa akin ng letter about bp 22 case. Sa ngayon po ay may work ako and enough lang talaga sa lahat ng gastusin at ibang obligation koh. I plan to pay kase in the future kaso mejo matatagalan pa which is by Jan 2017 pa dahil may binabayaran pa kase ako. Pinuntahan ako sa office ng kanilang agent at pinakausap ako sa isang atty. She said its a criminal case and makukulong daw po ako dahil hindi po aq nakikipagsettle. Uhm Hindi naman po sa hindi ko po balak bayaran ito dahil balak ko ko po ito talaga i settle pero nararamdaman ko na hindi na sya healthy para sa akin dahil nahaharass napo ako and hindi na ako makapagconcentrate sa trabaho. Any legal advice po kung paano ko po sya mareresolba? Salamat po.

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53 Re: Credit Card Payment Problem on Thu Oct 13, 2016 2:05 pm

Yza143


Arresto Menor
Hello po sir pepe, my balance po sa eastwest n unti unti kong binanayaran kso po pansin ko ndi nababawasan ung huling info n binigay sa akin last july.2013 ay 125 tawsan, pinaride ko po ung pinsan ko tpos ndi n ngbyad at nagpakita, tpos may tumawag po sa akin ieenroll nla ung card ko for restructure magbayad lng daw ako ng minimum, ginawa ko naman po pero ndi naenroll ung acct ko sa restructure, jan 2014 lang xa naenroll pero ndi po dinisclose sa akin kung magkno ung amt nababayaran ko, nung Nov2014 ngksakit anak ko kya ndi ko nabayaran amort ko n 3600, c mr.paez ang humwak pero ndi nya ako inadvise n approve n at kailngan magbayad ako ng dec 2014 dun ko po nkita n 171 tawsan balance ko nanghihingi ako ng explanation wla nasagot sagutin naman isasagot sa akin un daw ang naibook, hanggang ngaun 103 twasn p din daw utang ko, gusto ko n sanang tigilan magbayad kso natatakot po ako kc may pinirmahan ako n pilit nilang pinapirmahan kc daw kung ndi ako pipirma ay ndi n daw ako makakahanap ng magandang trabho, tulungan nyo po ako please.....solo parent po ako....

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54 Re: Credit Card Payment Problem on Fri Oct 14, 2016 10:10 am

pepe1928


Arresto Menor
Wala kang pera diba?unahin mo muna needs mo..in fact if may case naman for sure civil lang yan.PM mo ko. Very Happy

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55 Re: Credit Card Payment Problem on Fri Oct 14, 2016 10:18 am

simplyme1601


Arresto Menor
Hello Good morning po! hope you can help me here, hihingi lang po ako ng advice regarding what happened yesterday, here it goes ininform po ako ako ng brngy captain nmin na may tumawag daw po sa knila na police manila and they looking form me at sinasabi na i have 2 cases 1st is article 318 & 2nd RA8484, im wondering bakit po ako nagkakaso and hindi ko nmn po kilala yung complainant na sinasabi sa ibinigay n information.since wl nmn po ako sa pinas im working abroad since 2010. ano po ba ang dapat kong gawin? thank in advance

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56 Re: Credit Card Payment Problem on Fri Oct 14, 2016 10:42 am

pepe1928


Arresto Menor
simplyme1601 wrote:Hello Good morning po! hope you can help me here, hihingi lang po ako ng advice regarding what happened yesterday, here it goes ininform po ako ako ng brngy captain nmin na may tumawag daw po sa knila na police manila and they looking form me at sinasabi na i have 2 cases 1st is article 318 & 2nd RA8484, im wondering bakit po ako nagkakaso and hindi ko nmn po kilala yung complainant na sinasabi sa ibinigay n information.since wl nmn po ako sa pinas im working abroad since 2010. ano po ba ang dapat kong gawin? thank in advance

wala..una di mo naman kilala yung nagcomplaint..saka kung may case kana bakit sa brgy. pa pupunta? Shocked

sa credit card ba yan?

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57 Re: Credit Card Payment Problem on Fri Oct 14, 2016 1:17 pm

Yza143


Arresto Menor
Gud pm po sir pepe, ito po txt sa akin ngaun ng eastwest bank, natatakot n po ako....
Please send us the details of your payment. If no feedback or response received, we will immediately refer the matter for further action w/c would require you to settle the FULL BALANCE. We strongly advise you to reply to confirm your intent to settle or decline. In the event your account will be referred for litigation, you wil bel required to attend court hearing. W/c would entail hiring and paying for a lawyer to represent you. The potential damage to ur reputation and financial standing is considerable, pls call us at 6201700 Local 2882
Help nyo po aq

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58 Re: Credit Card Payment Problem on Fri Oct 14, 2016 1:38 pm

simplyme1601


Arresto Menor
Hello po sir pepe not sure po kung sa credit card kasi wl nmn po ako ibang naiisip na utang ko maliban sa cc ko na hindi ko po nabayaran since nung umalis ako ng pinas ng 2010.
sa brngy captain po namin tumwtawag na ang sabi po sia daw si psi allan. wl nmn po complain letter na pinapadala.

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59 Re: Credit Card Payment Problem on Fri Oct 14, 2016 9:04 pm

Yza143


Arresto Menor
Gud pm po, sir pepe ano po bang civil case ang ikakaso sa akin, bka mwalan po ako ng trabho? Makukulong po b ako?

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60 Re: Credit Card Payment Problem on Mon Oct 17, 2016 11:07 am

pepe1928


Arresto Menor
walang kulong.. sum of money.

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61 Re: Credit Card Payment Problem on Sat Nov 05, 2016 4:54 pm

AMJ


Arresto Menor
I received a Court Summon today for unpaid credit card balance filed by a collection agency on behalf of the bank. I was given 10 days to reply to the summon using a pro-forma reply attached to the summon. Do I need a lawyer to accomplish the reply to the court summon or I can accomplish it myself and file it to the court directly? The same collection agency contacted me a few days ago since I partially paid the balance due. We can execute a compromise agreement for the remaining balance. Is there a court prescribed pro-forma for the compromise agreement? Should it be notarized? Should I include it in my response to the court summon? Thec ourt hearing is set on march 2017 yet. Should I be able to settle it befoe the court date or entered into a compromise agreement with the collection agency how will the civil case for the sum of money be dismissed. Appreciate your prompt reply. Thank you.

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62 RE: CREDIT CARD PROBLEM on Tue Nov 08, 2016 10:04 am

gojoann


Arresto Menor
sir meron po kasi kong utang sa credit card and kahapon po may tumawag sakin na taga CIDG daw po sya at sinabing meron daw po silang irereleased na kaso against me re criminal case daw po estafa daw po. dalawa po kasi yung nakaaddress sa credit card billing ko dati at nagtatanong yung CIDG daw po kung san sila pupunta. CIDG po ba kaya tlaga yun and how come po na umabot na sa CIDG. tinatanong ko po kung tungkol sang kaso po yung complaint sakin nagbigay po sya ng number ng complainant ko daw po at tawagan ko lanag daw po yun para baka sakali daw po maareglo pa.

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63 Re: Credit Card Payment Problem on Fri Nov 11, 2016 5:07 pm

Nemy S. Lai


Arresto Menor
Good afternoon po! Ako po ay may metrobank credit card dalawa. I had been a good client ever since nagkaroon ako ng credit cards, higit ten years na. The problem now is that I am going to be operated maybe within this month for TOTAL HIP REPLACEMENT, I was operated last 2003 and partial implant hip ang nilagay. According to the doctor who operated on me, the life span of the implant is good for 10 years but it could go beyond or shorter depending on the usage. Now, it is more 13 years already and I feel so much pain! I decided to have this replacement . Kaya nga po, dapat kong unahin ang health ko, so un mga dapat kong bayarin ay nahinto at inaasikaso ko muna ang operation. The total hip replacement cost about 250 thousand. I am worried about how to pay. I am not running away from this responsibility. I am a retired person receiving monthly pension from SSS in the amount of Pesos 3,120.00. Meron po akong sideline but it has stopped due to my current condition. Paano po ako papasok ng Bankruptcy Law? Please help me. Thank you!

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64 Re: Credit Card Payment Problem on Fri Nov 11, 2016 6:58 pm

Warlord


Arresto Menor
sa may mga utang sa credit card. denied nyo na lang mga yan.. lalo na kung ang mga credit card nyo ay pre-approved lang na normally binigay sa inyo na walang documents. marami na akong kilalang ganyan. kung di kayang bayaran at wala talaga maibibigay, yong agent ang walang problema kundi kayo na may balance na nga pinoproblema nyo pa. better na wag na lang at hayaan na lang. magsasawa rin yan..suggeston lang..

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65 Re: Credit Card Payment Problem on Sat Nov 12, 2016 1:21 pm

Nemy S. Lai


Arresto Menor
Gud afternoon po, Sir! Worry po ako na baka ako makasuhan kung pababayaan ko na lang po mga ito. Meron naman po akong pirmadong application sa mall non inalok ako ng card. Talaga po wala akong ibabayad now kc nga po magpapaopera ako. Paki advise po ninyo ako ano mabuting kong gawin, Sir? Di po ba ako madedemanda? Salamat po sa mga advise ninyo! Higit po kayo may karanasan sa mga ganyan. Salamat po uli!

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66 settlement on Sat Nov 12, 2016 3:58 pm

ador


Prision Mayor
AMJ wrote:I received a Court Summon today for unpaid credit card balance filed by a collection agency on behalf of the bank.  I was given 10 days to reply to the summon using a pro-forma reply attached to the summon.  Do I need a lawyer to accomplish the reply to the court summon or I can accomplish it myself and file it to the court directly?  The same collection agency contacted me a few days ago since I partially paid the balance due.  We can execute a compromise agreement for the remaining balance..

I think this is an estimate of how you intend or will be able to pay your obligation put in the simplest term and on paper. It's like a promissory note. It should be made available on your court date (ten days) since in effect that is your appointment with them and no other date/s were given in regard to the pro-forma?
So you gotta have it on Monday 14 Nov.

My opinion: go to the claims court early Monday and see if there are forms to be filled-out. You can go to a attorney-at-law located nearby in case you have to.



Last edited by ador on Sat Nov 12, 2016 4:06 pm; edited 1 time in total (Reason for editing : typo(promisory))

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67 Re: Credit Card Payment Problem on Sun Nov 13, 2016 12:28 pm

Nemy S. Lai


Arresto Menor
gud mrning po sir! Sir, paano po kaya gagawin ko? Wala na po kayo reply sa last message ko. sana po mabigyan ninyo ako ng advise about sa CC ko na di na kayang bayaran as of now kc nga po, ooperahan po ako para sa TOTAL HIP REPLACEMENT PROSTHESTESIS. Uunahin ko po kalusugan ko. Please help me thru your advise! Thank you po.

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68 Re: Credit Card Payment Problem on Thu Nov 17, 2016 5:41 pm

docjp


Arresto Menor
Hello, good day! Magtatanong lang po regarding my unpaid credit card due with AUB. Ganito po iyon,I submitted my requirements sa aub pavilion mall sa mandaluyong December 2015 tapos nang January 2016 I received a call and text from them na approved application ko since 3yrs ako dun sa previous employer ko. So,dumating yung card nagamit ko for groceries pag wala pang sweldo since may dalawa akong anak. Nagbabayad naman ako 500 every cutoff since sa aub ikaw mamimili ng due date,so every month 1k binabayad ko. Dumating ang enrolment nung June at naienrol ko naman 2 anak ko na 5 and 3yrs old, nag usap kami ng husband ko na hihinto na ako sa pagtatrabaho as a CSR dahil ako naman ay magpufulltime mom na kaya lang nang nagtry siya mag apply Hindi siya natanggap tapos ako wala nading work kaya napabayaan ko talaga utang na 9k sa aub. Now, dumating ang October at may tinawagan from collection agency,sabe sakin need isettle full amount na 19k eh as far as I know nasa 13k lang balance ko. Ibig bang sabihin natubuan kaagad ng collection agency yun?Wala naman akong balak takbuhan utang ko, nakipagusap na ako sa rep ng agency na magbabayad ako but Hindi in full amount ayaw naman pumayag tapos last last week I received a text na police and brgy chairman will go to our place and will demand to settle in full yung 19k na balance ko. Question is, ganun po ba talaga pag may unsettled balance sa credit card? 1st credit card ko yung sa aub. Sana po may sumagot. TIA!

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69 Re: Credit Card Payment Problem on Mon Nov 28, 2016 9:55 pm

Iya_Pot


Arresto Menor
mayroon akong credit card debt na pinipilit kolektahin ng isang agency. willing naman ako mkipagsettle for a lump sum payment kaso ayaw nila. ngayon nangugulo sila at lagi tumatawag sa opisina ko kahit na binigay ko na yung personal number ko sa kanila. pangalawa hinihingi pa nila yung mga financial documents ko like payslip etc.

tama po ba na hingin nila yung mga documents na iyon? TIA!

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