Author Topic: Re: Credit Card Debt (and unfair collection practices) Thread 6  (Read 86991 times)

_hotbabe_

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #80 on: December 04, 2020, 04:53:30 am »
Yung friend ko lubog sa utang sa CC niya. Umabot na halos 900k sa BDO. 400k ang credit limit niya. Sabi ko sa kanya ipaputol na ang card para hindi na lumaki ang interest ayaw daw pumayag ng BDO dahil may utang pa daw sha. Ipapasa nalang daw sha sa collecting agent to set an agreement. Pwede ba yun na hindi pwede ipaputol kung hindi na kaya magbayad? Actually nakakapag bayad pa naman daw sha monthly, pero half lang daw ng minimum. 60k ang minimum pero 30k lang nababayaran niya. Any advice kung ano dapat niya gawin? Naawa kasi ako sa kanya kasi walang nakaka alam ng problem niya not even her own family. Sa akin lang sha lumapit to borrow money. Sana meron makapag advice here. TIA.

mysterioza_me

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #81 on: December 04, 2020, 12:42:36 pm »
^Awww ang laki sis, malamang interest na ang nagpalaki. Try niya makipag-usap sa bank at tanong siya kung may amnesty program.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

_hotbabe_

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #82 on: December 04, 2020, 11:57:28 pm »
^True sis sobrang laki. Ang sabi daw ng BDO need niya muna bayaran yung 200k na interest for 60months, then dun palang sha pwede mag staggered payment dun sa 900k na utang niya. Grabe so bale 1.1M na lahat. Kaloka. Ang advice ko sa kanya wag muna sha magbayad ng ilang buwan para makita talaga ng bank na wala na sha pambyad. At baka pumayag na kung pwede [textspeak!] 400k na credit limit nalang niya ang bayaran. Dahil for sure kaya umabot sa ganyan kalaki dahil puro interest lang lahat yun.

mysterioza_me

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #83 on: December 05, 2020, 05:32:26 am »
^Mainam pa nga siguro na ganun na hayaan na mapunta sa collections agency kasi kapag andun na baka mas madali makarequest ng payment scheme. And makipagdeal siya na alisin na ang interes.
If a girl understands your b******t, stick through your mistakes, smiles even when you've done nothing for her , it's obvious she's a keeper. But it's also obVious that you don't deserve her...

RoadrunnerXCX

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #84 on: February 17, 2021, 12:50:43 pm »
Ask ko lang for my niece ito. May naka experience na ba sa inyo ng nag debit sa bank account nyo ang BPI savings or checking para ipambayad sa utang sa BPI credit card at ang tawag daw dito ay  "The Right Of Set Off Provision." Meaning yung amount ng nasa savings or checking nyo ay ni debit ni BPI para pambayad sa CC kasi nga hindi na nakakabayd ang pamangkin ko tapos nagdedemand si BPI.
"No is a complete sentence. No explanation needed. Set your boundaries and mean it."

twinbee

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #85 on: February 18, 2021, 04:01:53 am »
Ask ko lang for my niece ito. May naka experience na ba sa inyo ng nag debit sa bank account nyo ang BPI savings or checking para ipambayad sa utang sa BPI credit card at ang tawag daw dito ay  "The Right Of Set Off Provision." Meaning yung amount ng nasa savings or checking nyo ay ni debit ni BPI para pambayad sa CC kasi nga hindi na nakakabayd ang pamangkin ko tapos nagdedemand si BPI.

May experience ako na deduct ng BDO yung utang ng husband ko sa cc, ang masaklap pa nun..
joint accounts pa namin yun.. useless makipag laban sa branch kasi ituturo ka sa hotline nila
mamamaga tenga mo kakahintay sumagot sa line intended for ccs

ang ending, pinaclose account ko na agad joint accounts namin
imagine P35k din yun

RoadrunnerXCX

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #86 on: February 18, 2021, 08:55:26 am »
Thank you sa reply twinbee. Problemado sya kasi payroll nya e BPI din.Sa payroll din.
"No is a complete sentence. No explanation needed. Set your boundaries and mean it."

twinbee

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #87 on: February 19, 2021, 03:58:01 am »
Thank you sa reply twinbee. Problemado sya kasi payroll nya e BPI din.Sa payroll din.

best na agapan nya agad itransfer sa ibang bank..
baka kasi magulat ka na lang, [textspeak!] ng laman account mo
kung di pa namna na turn over sa collection company, pwede makipag arrange sa cc company

_hotbabe_

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #88 on: February 21, 2021, 04:32:07 am »
Ask ko lang for my niece ito. May naka experience na ba sa inyo ng nag debit sa bank account nyo ang BPI savings or checking para ipambayad sa utang sa BPI credit card at ang tawag daw dito ay  "The Right Of Set Off Provision." Meaning yung amount ng nasa savings or checking nyo ay ni debit ni BPI para pambayad sa CC kasi nga hindi na nakakabayd ang pamangkin ko tapos nagdedemand si BPI.

Nangyari din yan sa friend ko. BDO naman sa kanya. Gulat sha ubos yung savings niya at dun na nadeduct yung utang niya sa CC niya. Kaya no choice sha. Kaya dapat kapag kukuha ng CC magka iba yung Bank mo for savings account and sa CC.  Para kahit hindi ka magbayad, wala sila access sa savings mo.🤣

RoadrunnerXCX

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Re: Credit Card Debt (and unfair collection practices) Thread 6
« Reply #89 on: February 23, 2021, 03:50:16 am »
Thank you mga GT sa pag share
"No is a complete sentence. No explanation needed. Set your boundaries and mean it."

 

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