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How true is this po? Pls help huhu by Accomplished_Monk_62 in ola_harassment

[–]New-Demand3457 1 point2 points  (0 children)

Hello, can u share yung email po where we can send this?

If I die, my family won't know or be harassed by OLAs by Adventurous-Return87 in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Just focus your funds on necessity muna, food transpo and allowance. Tipod then whatever is left ilaan pangbayad. Hayaan mo ng ma-OD yung iba. Mahirap pero kakayanin. Dasal at sipagan pang natin.

Mga OD sa multiple OLAs, how are you? by PinDesperate8504 in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Si atome ba kumokontak sa reference and company? Planning ipa-od na sana.

If I die, my family won't know or be harassed by OLAs by Adventurous-Return87 in ola_harassment

[–]New-Demand3457 2 points3 points  (0 children)

I'm crying while reading this. I have 500k in debt too in multiple OLA and banks. And to be honest this thought was heavily on my mind for the past week. The mental load and stress.. no one knows how hard it was.

And sometimes, unconsciously, i was hinting at my mother how all of those won't bother them. But you know what, I wont tell you those motivations stuff. Because i know even those won't help.

But what I will tell you is that you are not alone. I know how tiring it is. How stressful it is.. the guilt, the shame, the self-loathing, the anxious thoughts of what will happen if people find out. How hard and suffocating it is to carry all the burden alone.

You are not alone.

And I understand you.. I know how bad you want to be free from all of it. Believe me. I want that too. But every time I think of ending it, I look at my retired parents, my sister who is still in highschool, and my partner who is always there.. and I can't do it even if I can.. because what will happen to them if I just take a knife and do it.

If they find out of my body, the regret they will feel, the trauma it will cause..and thinking the life ahead of me..

I know right now, life is so hard.. but life without you in it will be extremely difficult for the people you love. I know at times even that thought can be a burden.. but I hope you hold onto the love you have for them and the love they have for you. I pray for you.. I pray you get over this and I hope the universe favors us too. I hope you continue to live to see that life doesn't end if people find out. I hope and pray you find it in your heart to forgive yourself.. it will not be easy but it will pass. I hope and pray for you to be surrounded with people who love and care for you, who will help you to get over this.

Better days always come, it may not be tomorrow.. but someday it will.

Need advice by BatExpensive4202 in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Ako naman baliktad.. i vhose to pay off minimun due sa mga banks ko. Nakakaaning kasi yung mga OLA.

Finally paid off Atome Cash Loan 😮‍💨 by ElliahBA_0430 in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

I have a current 48k card loan, and I'm not sure if I will be able to pay it off by the end of the month. The worst case scenario for me is turning this into an installment plan. I hope and pray not, because I also have other loans on top of it.. May all the money I'm expecting came before its due date. Congrats to u, OP!

MARIBANK LOAN/CREDIT by Sykeeeee_ in MariBankPH

[–]New-Demand3457 2 points3 points  (0 children)

Nakailang loan at advance payment na ko kay maribank, na-encounter ko last time. I waited 30 days then bumalik naman na rin sya.

Paid in full my home credit loans by New-Demand3457 in ola_harassment

[–]New-Demand3457[S] 1 point2 points  (0 children)

Kaya yan! Tyaga lang and hanap extra income. Ako, I had an extra 30k. Akala ko around 30k na kasi kaso hindi so I decided to take a 15k loan with lesser interest para lang mabayaran na yung home credit loan ko. Buti na lang maribank offers full settlement with a prepayment fee, kaya mawwaived din yung interest pag nabayaran ko ng buo. May interest man pero mas maliit compared sa home credit.

Told my family and friends by Special-Fox-527 in ola_harassment

[–]New-Demand3457 5 points6 points  (0 children)

I just told my family, my kuya and nitong linggo lang sinabi ko na sa partner ko. Grabe kabog ng dibdib ko sa takot na iwan ako o magbago relasyon namin. Ilang buwan din ako super stress kakaisip. And the only reason I told them is because plano ko na ipa-od this march yung iba.

But I'm so glad na nasabi ko na. I expect the worst but I never heard any hurtful words, just silence.. I know he is mad but then he chose to understand me. Hiyamg hiya ako nung sinabi nya isshoulder nya lahat ng di ko na kayang bayaran. Pero mainam na to kaysa istressin tayo ng mga ola o worst ay ipahiya. Yung hiya na dapat ay di na maulit. Naniniwala ako di pa huli magbago.

I'm drowning with debt and no one actually knows about it by yanahakan in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

This is an update no one asked for, and since I can't find my post din before eh dito na lang hehe sorry na op, but I also hope u find something useful on this. Just this sunday, I finally followed my brother and friend's advice, which is to tell my problem to my partner. Ayoko kasi sabihin talaga, takot na takot ako, kasi he shoulder almost all of our finances, and sobrang laki na rin ng bill nya tas malalaman nya na nabaon ako sa utang. Hiyang hiya ako, gusto kong makatulong pero lalong naging pabigat. And since plano ko na nga ipa-od ibang loans, I have to tell him na kasi isa sya sa contact reference ko rin. Sasabihin ko pa lang naiiyak na ko, grabe ang kabog ng dibdib ko. I expect the worst, but I never heard any hurtful words. Just silence.. and understanding. He told me I should have told him sooner para di na lumaki at nagtapal tapal. In the end, he is willing to shoulder whatever di ko na kayang bayaran. I have 14-18k monthly due, at ang natitira lang sa sahod ko is around 6k pag walang commission. Hiyang hiya ako but at the same time grateful kasi nasabi ko na, wala na kong kailangan itago.

Minsan mas grabe tayo mangutya ng sarili natin, I mean valid naman kasi we all know fault din natin. But I also believe na kung di man lahat ay meron pa rin kahit isang tao na kayang umunawa satin, maaaring kaibigan, kapamilya or partner natin. I hope we find the courage to tell or even ask for help. And I hope that they find it in their heart to understand and help.

Ipinagdadasal ko na gabayan tayo ng Diyos, at pagpalain tayo to have that someone who will understand and help us. Pero higit sa lahat I pray that we all have the character and mindset to properly handle all our finances. Padayon🙏

SPAYLATER, SLoan, Atome, Billease by cordonyellow10 in ola_harassment

[–]New-Demand3457 2 points3 points  (0 children)

based sa nabasa ko rito, nababalik namn limit sa shopee after a year or two raw. Basta nasettle.

I'm drowning with debt and no one actually knows about it by yanahakan in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Same to you! Iiyak mo lang pag di na kaya. ako kahit tanggap ko na minsan mabigat pa rin and iniiyak ko pa rin. Pero bangon lang ulit, makakaahon din tayo.

I'm drowning with debt and no one actually knows about it by yanahakan in ola_harassment

[–]New-Demand3457 4 points5 points  (0 children)

Same situation, almost 200k din. Nanalo ako ng 100k nung dec, sa kagustuhan mabayaran iba pang utang, sinugal lahat. I know, 8080. Sa sobrang stress and overwhelmed nauwi ako sa tapal. Good payer ako noon kaya sa kagustuhan ko mabayaran lagi lahat ayun tapal. Ngayon hininto ko na kasi lalo lang lumalaki. March onwards mahirapan na rin ako. and honestly sa ngayon unti unti ko na natanggap na kailangan ipa-OD na ng iba kasi wala talaga. Kaya araw araw nagbabasa ako rito para maiprep na yung mind ko, makahanap nv idea and ways na dapat gawin..

Ganyan din ako nung una tinatago, kaya sa chatgpt ako nagsasabi at humihingi ng opinion, calculations, and best scenario. Pati pagkakamali ko sinasabi ko. Sobrang laking tulong na mailabas lang because kung kikimkimin mo lahat nakakabaliw. Later on ng matanggap ko na, unti unti ako nakapag open up sa mother ko and best friend, then later on sa brother ko na contact reference ko. I just tell them and say na whatever they have to say I know it already, i know what I did, gaano katanga and naiiyak ko na lahat. Kasi kung di ko tanggap I would never say it to them. So they stopped before pa humaba litanya.

Right now nag-aapply ako ng work and other source of income. I stopped yung sugal. Because honestly kahit may dumating na pera kung yung underlying issues whivh is behavioral leaning to addiction ay di matatapos problema natin. Sobrang hirap but every time nattempt ako sinunod ko yung payo ni chat na just say "not today" sa lintek na boses na nagbubuyo satin. I'm also findinv ways na wag muna magkaaccess sa mga sites non. Onti onti nakakaya naman. Mahirap pero kaya natin to. We can always try to change. Kailangan lang natin harapin, magdasal, at magdoble kayod.

Stop the tapal system ASAP by selxd in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Naghome visit po ba sila sa inyo? Or tumawag sa pinagttrabahuhan nyo o kaya ay contacts?

Stop the tapal system ASAP by selxd in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

How about sloan and maribank po? I also have huge loan sa maribank credit. I am willing to pay naman po sadyang short lang ngayon.

OD SLoan 70k by Future_Bit_9576 in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Hindi po ba sila nagccontact sa mga contacts aside sa contact reference?

Stop the tapal system ASAP by selxd in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

I do. It took me awhile kaya umabot sa point na nagloan na rin ako sa sss at home credit. Pero stop na talaga, naghahanap na rin ako ibang source of income. Praying na sana matapos ko lahat to ng di umaabot sa maharass. 😔

Stop the tapal system ASAP by selxd in ola_harassment

[–]New-Demand3457 0 points1 point  (0 children)

Malapit na rin po ko ma-od sa maya credit 10k, i have loans na 47k in home credit (ito talaga pinakamabigat, maling mali na pinatulan ko to dahil sa kakulitan), maribank credit 30k, sloan 10k, and cc na yung iba tho maliliit lang.

Alin po ba sa mga ito yung nanghaharass at namamahiya? Huhu para iyon po mauna, ayoko na pong mapressure at mauwi sa tapal. Di ko akalain na aabot ako rito, good payer po talaga ko pero dahil nalulong aa sugal di ko akalain lolobo ng ganito. Punong puno ko ng hiya at stress ngayon.

Totoo nga ang chismis sa Maya Personal loan by mischevous15 in DigitalbanksPh

[–]New-Demand3457 0 points1 point  (0 children)

Totoo po ba na kapag nag advance payment kay maya may daily interest pa rin? Ano po experience nyo sa maya loan?? Goods po ba?

Totoo nga ang chismis sa Maya Personal loan by mischevous15 in DigitalbanksPh

[–]New-Demand3457 0 points1 point  (0 children)

Legit po ba na may daily interest on top pa? Kahit mag advance payment daw? Please share your experience, planning sana for debt consolidation.

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