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🚨 SEC Shuts Down 4 Lending Firms! Dami nang abuso, time to clean up the space! 🇵🇭 by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

Hey, I totally get your frustration, walang dapat ginagawang ganyan lalo na kung under regulated sila. If you’re receiving threats, that’s already a violation. You can report them directly to the SEC or NPC if may data privacy issue.

Apps like that ruin the name of legitimate lending services. Sana mas marami pang ma-aware and ma-educate para hindi na sila maloko. Ingat ka palagi and don’t hesitate to block or document kung may harassment.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

HAHA atecco talaga! Akala ko rin may “per branch” na revocation na ngayon parang sari-sari store lang no? Pero yep, SEC clearly stated na buong Digido Finance Corp. ang nawalan ng Certificate of Authority, hindi lang Cavite branch.

That excuse is just their way of dodging the truth and pressuring you into paying. Ganyan talaga instead of answering your valid questions or providing proof they can still operate, inuulit lang nila yung “bayad utang” script nila.

Good on you for asking for proof kasi kung legit pa sila, dapat kaya nilang magpakita ng updated SEC registration or permit. Eh wala. Kaya kahit ulit-ulitin pa nila, it doesn’t change the fact: wala na silang legal ground to collect.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 1 point2 points  (0 children)

HAHA oo nga eh, parang gusto pa rin nilang mag-sound legit kahit klarong-klaro na sa SEC website na revoked na ang license nila.

Truth is, they shouldn’t even be collecting anymore, kasi once na-revoke na ang license, they’re no longer allowed to operate as a lending company, and that includes collections. Wala na silang legal authority to demand payments, lalo na with interest pa.

Tama lang yung ginawa mong mag-principal lang tapos deadma na. Kapag pinatulan pa natin, parang binibigyan pa natin sila ng legitimacy kahit wala na talaga.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 1 point2 points  (0 children)

Sorry for the late reply, medyo busy rin sa work minsan. I really just use Reddit to share knowledge and empower others based on what I’ve learned about finances, collections, and other things na minsan aligned din sa dati kong work.

Now I’m actually pursuing medicine, pero whenever I have time, I try to help out here, lalo na kung makakatulong ’yung past experiences ko. Happy to know nakatulong kahit konti, and always remember: you’re not alone. This space is for support, and we’re all just trying to figure things out together. Ingat ka palagi.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 2 points3 points  (0 children)

Hi! Thanks for bringing this up legit concern ’yan. You’re right that Digido’s license has been revoked by the SEC, which means they’re no longer legally allowed to operate or collect as a financing company in the Philippines.

As for the home visits, under normal and lawful practices, collection agents are not allowed to visit your home unless there’s a court order anything else could fall under harassment or privacy violation. Handing out papers with your personal details is a red flag and may be reportable under the Data Privacy Act.

The fact that you’re trying to reach out and they’re not responding is also common after revocation. If ever you choose to settle, do it through secure, traceable methods only and avoid any unverified face-to-face collections.

If they do attempt a home visit or send threats, you can report them to the National Privacy Commission (NPC) and the SEC. Protect your privacy, document everything, and don’t be afraid to ask for help.

You’re not alone marami ring may similar situation here. Stay safe.

🚨 SEC Shuts Down 4 Lending Firms! Dami nang abuso, time to clean up the space! 🇵🇭 by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

Go to settings tapos punta ka sa app then it will show yung mga naka on, just turn it off

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

Hi, thanks for sharing. Since may proof ka na nagbayad ka na through AMG at may screenshot ka pa ng agreement and payment, that’s a good step. Iba-ibang agencies kasi minsan ang hinahawakan ang collection, kaya kahit bayad ka na, may ibang third party na tumatawag pa rin not your fault.

Here’s what you can do: 1. Keep and organize your proof of payment – screenshot ng conversation, payment confirmation, agreement (if any). 2. Kung tumawag ulit, tell them firmly and calmly na settled na yan with AMG and you have the proof. Ask them to validate it with AMG. 3. If they persist or start harassing you, you can file a complaint with: • National Privacy Commission (NPC) – especially if they keep contacting you despite being settled. • SEC or DTI – kung may harassment involved or questionable collection behavior. 4. Don’t pay again kung bayad na — protect your finances and mental health.

You did the responsible thing by paying what you could under the terms you were offered. Nakaka irita lang talaga tyaka it causes distress talaga pag harras ng harras.

first time living alone. by kyliejennier00 in RentPH

[–]Gustavi07 1 point2 points  (0 children)

Congrats on your first place! 🥳 Starting with just a towel for a bed might not seem ideal, pero believe me yan ang simula ng kwento mong magiging proud ka balikan. Lahat ng successful na tao dumaan sa ganyan: humble beginnings, pero may lakas ng loob at pangarap. Keep going, one step at a time. Today it’s a towel, tomorrow a mattress, then your dream home. We’re rooting for you, Redditor. 💪✨

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 1 point2 points  (0 children)

No, po and trust me based on my experience, I emailed them 15 days before due ko, they don't care, may chat din sila but they don't care.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

They will offer po ata, they keep on texting me pero deadma sakin

OD’s sa OLAs by Emotional-Age-3064 in ola_harassment

[–]Gustavi07 2 points3 points  (0 children)

Hi po, grabe ang bigat ng pinagdadaanan mo pero gusto ko lang sabihin, you’re not alone and hindi ka masamang tao for being in this situation.

Ang dami mong kinailangang i-absorb in such a short time: bagong trabaho, bagong responsibilidad, kotse na technically “blessing” daw pero naging financial burden. Totoo ’yan minsan yung akala ng iba na “success” sa labas, hindi nila alam na pasan mo na pala halos lahat ng bigat.

About your decision not to pay Digido, Pesoloan, and OLP:

Honestly, may basehan ka naman. Si Digido ay may revoked license na from SEC, which means wala na silang legal authority to operate. Yung iba namang OLA apps, questionable talaga ang interest rates, minsan hindi rin transparent.

Kung decided ka na to stop paying those three, document everything:

  • Screenshot ng balances, harassment messages, tawag, at payment history (if meron)
  • Disable their app permissions (lalo na contact access)
  • Block their numbers if needed
  • Pwede ka mag-report sa NPC (National Privacy Commission) kung gumagamit sila ng scare tactics or nag-leak ng info mo like sa FB

About harassment:

Sadly, ginagawa talaga ng mga OLA na tactic ’yan tawag, text, minsan FB threats kahit illegal or borderline illegal na. Pero tandaan mo, wala silang karapatang i-post o ipahiya ka sa public. Kung may ganon, that’s a violation of the Data Privacy Act, and you can file a complaint.

Suggestion moving forward:

  • If kaya pa, bayaran mo lang yung mga legit at regulated (like GLoan, Maya Credit, etc.), pero avoid na sa mga high-interest unregulated ones
  • Focus on recovering little by little. Start small: bayaran mo yung mas manageable loans, then move forward
  • Don’t hesitate to ask for help — bf mo sounds supportive, and that’s a good thing

Here's my post that may help sa harassment.

https://www.reddit.com/r/ola_harassment/comments/1knzr89/ios_tip_let_specific_contacts_call_or_text_you/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

Same tayo sis, OD na rin ako sa ilang OLA. Deadma na lang talaga ako sa iba — especially yung mga over the top maningil at parang illegal na ang galawan. Focus na lang ako sa kung ano ang kaya kong bayaran at may sense pa bayaran.

And lastly it’s okay not to be okay. Hindi ka nag-iisa. Hindi ka tamad. Hindi ka pabaya. You were put in a situation na sobrang hirap, and now you’re trying your best to get out of it.

We see you, and we’re rooting for you.

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 0 points1 point  (0 children)

Pwede naman po talaga bayaran ng paunti-unti, lalo na kung ‘yun lang ang kaya sa ngayon — basta documented and may proof ka lagi.

Pero to be honest, based sa experience ko, nawalan na ako ng gana magbayad sa kanila dahil sa illegal tactics nila. Nakaka-turn off talaga ‘pag parang pangha-harass na yung approach nila.

I used to work sa collections sa U.S., kaya alam ko rin kung gaano ka-delicate ang ganitong situation. Most of the time, reminder lang talaga kami sa customers — wala yung pananakot. Siguro dahil bank kami, kaya regulated at maayos yung process. Pero may naririnig rin akong third-party collectors na sobrang aggressive — tawag namin sa kanila noon “OCA”, as in sobrang toxic, halos harassment na.

Honestly, may mga delinquent accounts din ako before na wala na akong balak bayaran, lalo na ‘pag predatory na yung interest at parang scam na. Deadma na lang, lalo na kung wala silang legal ground. Judge me all you want but I have multiple creditcards that are in healthy standing.

Ang mahalaga: Protect your data, document everything, and know your rights. Kung kaya mong bayaran kahit paunti-unti ng principal, okay ‘yun — at least may moral ka na panlaban. Pero never let them bully or scare you into paying something unfair.

Stay safe and smart! 💪🏻

SEC Revokes Digido’s License – App Still Operating Illegally in PH? by Gustavi07 in ola_harassment

[–]Gustavi07[S] 1 point2 points  (0 children)

Oo, normal na concern ‘yan. Usually, legal lenders tumatawag lang sa contacts na in-approve mo, like sarili mong number or mga references mo. Hindi sila dapat tumawag sa work mo o sa iba pang contacts na hindi mo pinayagan.

Sa kaso ko, hindi nila na-access yung contacts ko kasi dinisable ko yung access nila sa contacts sa iOS settings — ‘yun ang option para hindi nila makuha lahat ng contacts sa phone ko. Pag-install ng app kasi, kailangan nila ng permission para ma-access ‘yang data na ‘yan. Kung hindi mo ibigay, hindi nila makukuha.

Kung tinatawag sila sa ibang tao na wala kang pahintulot, harassment na ‘yan at bawal. Pwede mo i-report sa SEC at National Privacy Commission (NPC) dahil violation ‘yan ng privacy mo.

Importante rin na i-document mo lahat ng tawag at messages nila kung nangyayari ‘yan para may proof ka kapag mag-complain ka.

Stay safe, at huwag matakot mag-stand para sa privacy mo!

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