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Home Credit

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1 Home Credit on Tue Feb 28, 2017 12:30 am

jamesramos


Arresto Menor
Hello po! Ako po si James. may itatanong lang po ako about sa home credit. Last year ngloan po ako sa home credit worth 60k and the amount was used for family and medical matters. I had an agreement to pay it for 36 months and i was able to pay it to for several months na din kaso ngkaproblema ako sa pera and had to pay off some debts and bills too kasi ako ang breadwinner ng family ko Sad Tintry ko pong bayaran kaso minsan hindi talaga kumakasya sa budget ko and to the point na may pumunta sa bahay namin and even asking for payment. May mga text messages na din na ilalagay ung name ko sa Manila Bulletin. Willing naman po akong bayaran and hindi naman po ako ngtatago. ang gusto q lang pong malaman eh may chance ba na makiulong ako dahil sa late kong pagbabayad? kasi malaki na ung bayarin ko dahil sa interes. maraming salamat po sa sasagot.

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2 Re: Home Credit on Wed Mar 01, 2017 2:37 pm

thepoetsedge

avatar
Reclusion Perpetua
No one gets jailed because of debts since it is a civil case for collection of sum of money. Only criminal cases have the aspect of imprisonment.

You may want to speak to a home credit representative/supervisor to have your payment scheme renegotiated since you are currently financially unstable. Maybe you should go for a longer period of payment with a lesser amount per month, but the catch there is the interest rate will go higher. In effect, lalo silang kikita sa utang mo in the long run.

Weigh the pros and cons and renegotiate your debt in your favor inasmuch as you can.

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3 Re: Home Credit on Mon Mar 27, 2017 9:00 am

jowkel


Arresto Menor
Hi po i have the same problem with home credit po kaso i tried negotiating with them na magbabayad ako pro hndi po malaki mababayad ko kc unstable po income ko and matagal po akong nawalan ng work because of health issues. Kaso sinigawan lng ako ng lawyer nila over the phone and sinabihan na wag nlng akong magbayad kc nakakahiya naman daw saken at antayin ko nlng yung demand letter nila...tpos we received a lot of text ng pananakot na me kaso na daw ako. My family and I decided to wait po kung meron nga kase hndi ko nman po tlga alam kung ano ikakaso nila saken..Kaso wala pong dumating then after a few months ngaun lng ulit cla nagtext saying that me warrant of arrest na daw ako for article 315 and 318. Please advise naman po.

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4 Re: Home Credit on Mon Mar 27, 2017 3:21 pm

ador


Reclusion Perpetua
Hindi sa kanila nangagaling ang warrant. Sa korte. At isa pa, naghearing ba kayo? Settlement lang naman ang pupuntahan nyan.. kung pano ka makakabayad sa terms na kaya mo. Nakakabadtrip yang mga maniningil na ganyan e pakiramdan nila pwede nila takutin at alipustahin ang tao dahil sa utang. Pupusta ako mas madaming utang yang mga nagpapanggap na abugadong mga yan e. Kolektor lang yan kaya wag ka magpa bully dyan. Bulyawan mo din next time. Matapang lang mga yan sa telepono e, papuntahin mo sainyo makita mo hindi sispot yang kausap mo iba kunwari pupunta Pero siya din yung kausap mo na atorni kunwari..!



Last edited by ador on Mon Mar 27, 2017 3:29 pm; edited 1 time in total (Reason for editing : foul language)

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5 Re: Home Credit on Mon Mar 27, 2017 3:31 pm

jowkel


Arresto Menor
wala nga pong hearing na nangyari kc wala naman po akong natatanggap na formal complaint. puro text lng po na me court summon and subpoena daw ako tpos ngaun sabe me warrant of arrest na daw ako galing court. kaya nga po naguguluhan ako

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6 Re: Home Credit on Mon Mar 27, 2017 3:31 pm

ador


Reclusion Perpetua
Hamunin mo magkita kamo kayo sa small claims court

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7 Re: Home Credit on Mon Mar 27, 2017 3:35 pm

jowkel


Arresto Menor
yun nga po sabi ng mama ko na hayaan na lang na magfile sila tska na lng namin sagutin kasama ng abogado..kaso xempre po mejo nakakatakot pa din aarestohin daw. tpos isa pa yubg address na sinasabi nla lagi yung kumang address namin eh matagal ko na naman inuodate yun sa knla yung kolektor nga po dto na sa bagong address namin nagpupunta pro everytime na kinakausap ko sila dun pa din nla daw ipapadala sa lumang address yung summon. iniisip ko po baka kaya me file sila na panloloko daw or artcle 316 yta daw po yun

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8 Re: Home Credit on Mon Mar 27, 2017 3:38 pm

ador


Reclusion Perpetua
Baka sa sunod sabihin naman nila dadamputin kana ng NBI.. o CIA! Basta wag mo lang sasabihin na hindi ka magbabayad, wala kang kaso dyan.
Mas mainam kung may record ka nang pagupdate ng address mo. Kahit hand written lang, tapos ipareceive mo kahit dun sa kolektor tapos picturan mo katabi ng id nya.

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9 Re: Home Credit on Mon Mar 27, 2017 3:40 pm

jowkel


Arresto Menor
ahh wala po kc sabi lng saken itawag sa customer service nila pra iupdate yung information eh. pro yung nga receipt na sa bahay kmi nagbayad kc pinuntahan kame nakatago pa pti yung text ng kolektor na pupunta xa nakasave pa po

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10 Re: Home Credit on Mon Mar 27, 2017 3:42 pm

jowkel


Arresto Menor
sabe ko nga po magbabayad ako kung magkano yung napag usapan sa cobtrata na monthly since me stable work na ko kaso ayaw nla dpat daw 15 thousand agad ibayad ko now na pra daw magkaroon ako ng tro at di ako ipadampot sa pulis. sabe ko po hndi kaya kc wala nman akong makukunan ng ganun kalaki, ayun po nagalit at ipapadampot nlng daw ako antayin ko nlng daw

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11 Re: Home Credit on Mon Mar 27, 2017 3:45 pm

ador


Reclusion Perpetua
Mairerecord mo ba sa phone mo kung maguusap kayo nung abugago na yun? Like yung pagsabi nya na dun sa lumang address nila pinadadala? Katulad nun kaya nga kailangna lang may pruweba ka na nagupdate ka ng address mo. Kung may resibo kang latest while you are residing dyan na sa huli mong bahay, edi cert of residency lang kailangan mo kahit from your barangay pwede na ibangga dun sa resibo.
Over and out.

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12 Re: Home Credit on Mon Mar 27, 2017 3:49 pm

jowkel


Arresto Menor
ahh cge po thank you sa advice.

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13 Re: Home Credit on Thu Sep 14, 2017 7:45 pm

lalabzz08


Arresto Menor
Hi. How about if may nareceive na demand letter from them? Pano po yun? Regarding cash loan from Home Credit.

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14 Re: Home Credit on Mon Sep 18, 2017 2:05 pm

Sharkbait01


Arresto Menor
Hi sir baka po pwede nyo po ako tulungan for an advice po sobrang worried na po ako at d na makatulog sa problema ko with doctor cash same din po ang narecieve ko na txt


CAMP. CRAME Warrant & Subpoena Section Advisory:

expect our official commo to arrest you (Bench Warrant) at exactly 12pm tomorrow together with sheriff to issue writ of preliminary attachment to check ur property. pls be informed for ur voluntary surrender to avoid commotion at ur place.. Pls do call....

This time po sa camp crame naman po ung nagtxt d ko na po nabayaran ung utang ko sa doctor cash kasi po nagkasakit inlaws ko ng diabetis since ang mahal po nang gamot tinawagan ko po ung sumagot camp crame po at makipag uganayan daw po ako sa pasig court tinawagan ko ung atty same po pinapasettle nya sa akin ang unl that day utang ko na 6k lang po tapos po gusto iclaim sa akin 150k nung pinakiusapan ko isettle gnawang php 66,500 kung d daw po masesettle papipirmahan na nya daw po sa judge ung case ko at mahihirapan daw po ako kumuha ng nbi etc willing naman po ako magsettle nagbayad na din po ako nung unang tawag ko po please help po for an advice natatakot na din po ako at worried ako for my kids d na po ako matahimik at d na po makatulog. Salamat po

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15 Re: Home Credit on Tue Sep 19, 2017 9:27 am

Sharkbait01


Arresto Menor
Hi Sir, magtatanung lang po ng important anu po ba amg bench warrant? At bakit po pwede pa rin kayo makasuhan ng estafa, fraud, bridge of contract? Dahil po ba sa contract na pinirmahan mo?

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