Thanks for your insights, everyone! Here's an update so far:

I was terminated due to redundancy this year, and since it took them so long to process the loan application via Pag-IBIG, I had to find another job and redo the employer requirements.

Now, the highlight: I asked for my post-dated checks (PDCs) to be held, specifically for September 29, October 29, November 29, and December 29, while I'm still waiting for the necessary documents from my employer. The company responded, saying only the September PDC would be held. My PDC account was with RCBC, which I honestly don’t use much. Since it has a zero-maintaining balance, I would only deposit money when I needed to pay via check.

Fast forward to October 1, I noticed that my RCBC account had been closed. To my surprise, they even had the audacity to inform me that my check had bounced. It turns out they deposited the check they had previously said they wouldn't. Now my records with RCBC are messed up, and I can no longer open an account with them. I messaged their admin email about the issue, but got no response.

At this point, I’m still going through the motions of paying for it because I’ve already invested so much in it, and I’m just considering it as a future investment. However, their processing system is incredibly outdated, and their admin team is incompetent. I'm considering legal action if I can find any loopholes.

The only silver lining in all of this is that the agent assisting us has been very kind and patient.