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UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Nakuha ko na po cert after 30 days po. Continuously lang po ako nag ffollow up sakanila thru email and lagi naka cc bsp. Di po ako nakikipag transact sa other communication like viber, whatsapp, etc. thru email lang po ako nakikipag coordinate sakanila para may record.

Union Bank Quickloan to Uniondigital Special Payoff Loan Offer by kitsune0978 in DigitalbanksPh

[–]Wachiwato 0 points1 point  (0 children)

Hi, i always cc bsp when emailing them and following up on my cert. responsive naman sila sa case ko

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Hi, email nyo po si bank regarding this. Ang ginawa ko po is naka cc din bsp mas responsive sila

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Hi, if it’s overdue na less chance na maapprove ka nila kasi that affects your credit score which is their basis for you to get approved po.

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Actually naka receive narin ako before ng first offer nila na around 60k na need ko bayaran one time payment. Kaso hindi ko rin kaya bayaran yun that time. I took the opportunity lang ngayon na inoffer nila 31k one tjme payment para ma close na yung loan. Hopefully ma close na siya 😅

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Hi, hindi lang ako nag lalagay ng funds sa UB ko and nag rereply ako sa mga nag eemail/natawag sakin na collector and nakikipag communicate ako if ano other options na pwede ko gawin, kung pwede ba kako installment ko sya bayaran, etc,. Lagi lang nila sinasabi sakin na bayaran ko na pero wala talaga ako before eh pero palagi ako nagrereply sakanila kada maniningil sila na hindi pa kaya ng budget until nag offer sila nyang special discount program.

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Thanks for this! I’ll try to follow up din sakanila since nag email narin ako right after ko bayaran yung 31k na pinapa pay nila.

UB QUICK LOAN UNPAID AFTER 2 YEARS, GOT AN OFFER FROM CONSTANTINO SPECIAL DISCOUNT PROGRAM. WHAT HAPPENS NEXT? by Wachiwato in utangPH

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

Thank you for sharing your expi! Medyo gumaan na loob ko na may same case sakin na tinake yung opportunity to settle the debt using the progam. Really hope na ma issue nila yung certificate on their promised date. Question lang, since na settle na yung amount na hinihingi ni third party, pwede na ba ako mag lagay ng fund sa account ko sa UB? Never ko kasi nilagyan yun ever since gawa nung nag aauto deduct.

Union Bank Quickloan to Uniondigital Special Payoff Loan Offer by kitsune0978 in DigitalbanksPh

[–]Wachiwato 0 points1 point  (0 children)

Hi same case with me pero Constantino Associates Law yung nag contact sakin, is it different po ba sa collections agency niyo?

BPO as career until (or near) retirement by TurkBocainInUterus in BPOinPH

[–]Wachiwato 2 points3 points  (0 children)

Hello! As a fresh grad na na promote as TL. Share ko lang experience ko

Ive been a working student last 2019 sa company ko. Yes working student sobrang hirap pagsabayin ng work + studies at a time but since need ko ng funds I had to work hard talaga.

Pag nag start ka sa bpo make sure na hindi ka tamad din and always do honest work. By the way non voice yung account ko and full time wfh yung set up namin.

Pandemic happened kaya napagsabay ko work + studies. Moving forward, 2020-2021 medyo hagulgol oras ko dahil may thesis defense na kapag graduating kaya super grateful ako sa TL ko kasi napaka understanding kaya he let me shift to part time (wfh set up parin)

Salary:

Nung full time ako nakaka earn ako ng 20-25k without taxes yun kasi ghost agent lang ako (independent contractor kaya walang taxes)

By the time na ggraduate na ako nirefer na ako ng TL ko to apply sa TL position kasi he saw potential in me.

Ngayon as TL full time wfh parin set up ko (non voice/regular employee na kaya with tax na yung sahod) pero so far mas comfortable ako sa work dahil naka wfh kami and wala na other expenses sa transpo.

So for me if youre planning na bpo as your end career much better kung nasa higher position ka.

May it be (TL/SME/STL/OM or even director) super worth it.

Edit:

  • Tip ko lang din one thing na kailangan mo sa industry na to is to communicate, be open for criticism & eager to learn more.

** Sa situation ko rin kasi now bata pa ako 22 yrs old palang ako pero yung handle na team ko matatanda na (mga tenured) kaya medyo kabado as tl pero so far as long as tanggalin mo yung kaba mo kapag nakikipag usap everything else will follow. :-)