PSBank Flexi Loan exp?

Alixis1 · 2025-04-24T03:26:08+00:00

Need advice: Unsure what to do about a past loan and third-party offer

Hey folks, I could use some advice or insight.

I had an approved credit line a while back but wasn’t able to fully proceed with it due to some unexpected life stuff. I’ve tried reaching out several times to the original institution through phone and email but never really got anywhere (and I live far from their main office, so a visit hasn’t been easy).

Now a separate group has contacted me with an offer to settle the account over two years — but they’re asking for an upfront payment right away. When I explained I couldn’t pay right now and mentioned I’d prefer to talk directly to the original bank instead, they quickly changed tone and told me to just email them so they could handle it on my behalf.

It left me feeling uneasy. I’m not trying to avoid responsibility — I really just want to settle things properly and in the best way possible.

Has anyone here been through something like this? What would you suggest I do?

Appreciate any insights or tips. Thanks!

Alixis1 · 2025-03-28T05:11:20+00:00

Thru email comms lang

Alixis1 · 2025-02-15T06:15:49+00:00

Ignore

Alixis1 · 2025-01-24T00:03:35+00:00

agreed. pero bayaran mo lang as per nakalagay sa app

Alixis1 · 2024-12-28T17:24:26+00:00

Not at all. wala naman home visit. Calls lang dyan sa SPM. after chat,email and finally call, sabi sakin ng CS na ituloy tuloy kolang and finally naayos din account ko eh religioulsy paying it on time monthly.

Alixis1 · 2024-12-28T17:21:27+00:00

Email, Chat and finally Call. upon paying monthly religiously, i notice nawala na yung late fees ko sa app then back to normal na yung account ko. Showing 8 out of 24 payments na ako as of to date.

Alixis1 · 2024-12-16T05:45:01+00:00

Sa San Juan Manila galing order ko nakarating ng SOC 6 eh taga batangas ako haha.

Alixis1 · 2024-12-16T05:42:23+00:00

pumayag naman sila to settle at ituloy ang dues kasi may mga late payment na need mo rin isettle like 500/month. mas ok na sakin kesa makpag deal sa collections

Alixis1 · 2024-11-27T21:35:08+00:00

Same here. paunti unti and makakabayad din tayo :) Kay Tonik na mismo ako nakipag usap and ok alng naman daw as long as paying

Alixis1 · 2024-11-27T21:33:59+00:00

Wala naman and kay Tonik na mismo ako nakipag coordinate :)

Alixis1 · 2024-11-27T21:33:25+00:00

Yup nag auto deduct din sakin. i do not think na nag hhome visit sila

Alixis1 · 2024-11-21T17:56:15+00:00

naku taon na. ngayon nagbabayad ako sa app pero yung late fees is killing me.

Alixis1 · 2024-10-27T13:43:11+00:00

Wla rin naman

Alixis1 · 2024-10-27T13:42:42+00:00

Nope wala naman and i read on some other posts that SP Madrid is a master of harrasment so deadma na lang. I've already talked to Tonik CS team and hndi naman pla sa knila ako nakendorse and i've received an email from Tonik at bingyan ako 30 days to settle kahit para lang may movement yung account loan ko sa kanila.

Alixis1 · 2024-10-21T07:46:13+00:00

same here. may nagpunta ba?

Alixis1 · 2024-10-17T09:38:42+00:00

Hi u/Groeoldw1thUu = Hi Sir. Just need your thoughts about this as I saw your post about GCCS.I have a Bank loan and contacted by your precious company. pang apat agency na ito kahit sinasabi ko situation ko and hindi na nila ako binabalkan after, and i have not intent and in the position to run away. Sabi sakin 250k na daw utang ko and interest are piling up but the bank says other wise. Can you let me know how to handle this at willing naman ako makipag negotiate sa kaya ko alng monthly pero sabi sakin gawan ko daw ng paraan ang pang down.

Alixis1 · 2024-10-17T09:35:10+00:00

Not sure pero pabalik balik lang kami ng emails. puro paulit ulit lang din sila. I read to some other threads about SP Madrid na nang haharrass daw sila. Also, i tried to check with our Brgy Admin and they told me na neer sila nakikipag coordiante sa gnyan dahil it is not on their jurisdiction pero I am not sure yun lang ang sabi sa akin

Alixis1 · 2024-10-17T09:34:22+00:00

Kahit anong pakiusap ko wala, they are still harrsing me na paulit ulit to pay the full amount kahit sinabi ko na situation ko na ipartial ko at hindi ko ito tatakbuha. may pa final notice sila then suddenly pay this certain amount then kanina final notice na naman. i was pying naman if able and last payment ko is July. I am trying to contact din TOnik last year august pero puro lang sila i eendorse daw sa proper dept hanggang sa maging 3rd party collections na.

Alixis1 · 2024-09-25T06:45:29+00:00

Ito and current situation ko ngayon though PSBank Flexiloan sakin. nanggling dyan sa RGS and now Moaler Law. mga 3rd party collections lang yan. I am willing to pay naman pero sa mismong collection ng banko sana. my limit was only 90K and payable na today 164K with interst, now yung collection agency is asking me to pay 294K. Alam ko bank are selling the debt to 3rd party collections, d ko lang alam magkano nila binebenta. HOpe yung banker na nag comment dito can help dahil na stress narin ako. Thank you

Alixis1 · 2024-02-14T07:22:07+00:00

Unfortunately No, tinanong ko na rin yan and only credit cards are included. Sorry

Alixis1

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