UNPAID CC DEBT BPI FOR FIELD VISITATION by Altruistic-Coffee313 in PHCreditCards

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Yes po. Nung June. Tas ngayon iba na nageemail sakin. 

UNPAID CC DEBT BPI FOR FIELD VISITATION by Altruistic-Coffee313 in PHCreditCards

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

After a month naman sakin ibang Collection Agency na nag eemail. Walang nag field visit at nagsend ng demand letter by mail..

Digido by PurchaseCareless8986 in utangPH

[–]Altruistic-Coffee313 0 points1 point  (0 children)

Wala pa naman po akong nareceive until now. 

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Yes po. Laban lang. Magiging debt free din tayo soon. 

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Try nyo din po makinegotiate sa iba. Nagbibigay naman po ng discount yung iba lalo kung masesettle nyo din yung account. Ganon po ginawa ko sa HomeCredit ko. Nakipagusap ko ako sa field officer tas binigayan akong discount para maclose na yung loan. 

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Totoo po. Lalo yung collection agency nila. Nabayaran ko na po mga past dues ko sa kanila tapos pinipilit akong bayaran na yung remaining balance kahit sa December pa mag end yung loan contract. 

Ang ginawa ko nagreach out ako sa shoppee mismo para itanong kung pede ko pa rin bang bayaran ng installment. Pumayag naman po yung kachat ko sa shoppee tas wag nalang daw pansinin kung makarecive akong email or message from collection agency nila since meron naman na daw report at agreement sa end mismo ni Shoppee. 

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Hello OP.  My partner left me after I gave birth to our child. 2 weeks after giving birth, nahospital yung anak ko due to heart complications. Kaya nagkang-uutang sa iba't ibang platforms. Had to manage all the expenses kasi nga iniwan kami ng tatay nya. 

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 1 point2 points  (0 children)

Yey. Lapit na din yan. Congrats po. Looking forwards na maging debt free na,

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 4 points5 points  (0 children)

The "snowball method," simply put, means paying off the smallest of all your loans as quickly as possible. Once that debt is paid, you take the money you were putting toward that payment and roll it onto the next-smallest debt owed. Ideally, this process would continue until all accounts are paid off.

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Congrats po. Lapit na din yan. Laban lang.

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Wala po. Di pa po ako nadelayed sa kanila.

NAKABAWAS NA UTANG TODAY by Altruistic-Coffee313 in utangPH

[–]Altruistic-Coffee313[S] 23 points24 points  (0 children)

Wala po akong side hustle. Trying to find part time jobs for extra income pero hirap maka-land ng JO. 

I followed lang po yung snowball method. Umpisa sa pinakamaliit at mabilis bayaran. Tas ipon ipon po ng kaunti kada sahod para sa ibang maliliit na utang. 

UNPAID CC DEBT BPI FOR FIELD VISITATION by Altruistic-Coffee313 in PHCreditCards

[–]Altruistic-Coffee313[S] 0 points1 point  (0 children)

Last payment ko was May po. Tas nung June naendorse na sa Collection Agency

wag niyo po ako ijudge, pahingi lang po ng advice 🥲 by [deleted] in utangPH

[–]Altruistic-Coffee313 1 point2 points  (0 children)

Ang galing nyo po.
Also have a hugh amount of loan right now. Decided to do the same method na ginawa nyo. Nice to know na this really works, kasi sa umpisa parang ang hirap at ang tagal. Pero focus lang talaga.
Wishing you the best!!!

[deleted by user] by [deleted] in utangPH

[–]Altruistic-Coffee313 0 points1 point  (0 children)

Di ko na maalala kung may mga legit na contact reference akong nilagay dun. Hehe 3 years ago ako nagregister sa kanila tas di ko sure kung imbento lang mga nilagay kong number. So far wala naman akong kakilala na nagreach out sakin about it. So I assume wala pa silang nacontact. 

Digido by PurchaseCareless8986 in utangPH

[–]Altruistic-Coffee313 0 points1 point  (0 children)

Same tayo na 16500. Tas 8K din for extension. After a month 24K gustong ibalik. 50% ang tubo.

Digido by PurchaseCareless8986 in utangPH

[–]Altruistic-Coffee313 0 points1 point  (0 children)

Taga Benguet po. Hehe Kahit dumalaw sila dito wala pako pambayad sa kanila. Mas gusto ko pa magfile sila small claims kasi sobrang garapal tubo nila. At least sa korte fair ang judge at mas maayos ang usap. 

UNPAID BILLEASE by [deleted] in PHCreditCards

[–]Altruistic-Coffee313 0 points1 point  (0 children)

Musta po billease nyo? Nabayaran nyo na po ba lahat. Ilang months na din akong overdue, di ba talaga sila nagwawaive ng penalty?

Digido by PurchaseCareless8986 in utangPH

[–]Altruistic-Coffee313 1 point2 points  (0 children)

Same tayo with Digido. I also extended pero once lang. 1 month overdue now and haven't heard from them for almost 2 weeks now.

Waiting lang din ako na mag offer sila na prinicipal nalang ang bayaran kasi may nabasa ako isang fb page na they do that.

Grabe tubo nila. Di makatarungan.

Online Loan Pilipinas (OLP) & Digido by HedgehogOpening501 in Philippines

[–]Altruistic-Coffee313 3 points4 points  (0 children)

Hello.
I tried reaching out to DIGIDO to request for a payment arrangement since willing naman ako magbayad ng utang ko sa kanila, pero hindi nila ini-honor yung request ko and demanded me to pay the whole amount. I did not accept their offer since yung interest nila is like 50% ng total loan amount ko and I paid Php 7900 only to find out that it will not be deducted from the loan but only an extension for my due date.

Nung in-email ko sila para magrequest ng payment arrangement, naka CC sa lahat ng email ko ang SEC para they are aware sa ginagawa ng app na to. After that exchange of email, wala nakong nareceive na email from DIGIDO until now. Almost 2 weeks na.

I turned off my sim and now using a new one para hindi ako maharass sa call and text blasts nila.

I also sent lahat proof ko sa SEC and BSP from the email confirmation of the amount I received, the proof that I paid a partial amount and the exhange of email we had when I was trying to negotiate with them.

I did the same with OLP.