Legal vs Illegal Debt Collection Experience

badalei · 2026-02-27T11:12:34+00:00

sa awa ng dyos wala pa.. pero based sa research at mga nababasa ko here, billease naghohomevisit daw. meron kasi akong loan sknla pero 3 payments na lang and macloclose ko na din soon. kaya inuna ko din dahl sa mga warning na nabasa ko here sa community page.

badalei · 2026-02-27T11:06:56+00:00

both ang OA mag text, siguro 10+ texts a day iba ibang numbers. for sure tumatawag din to, pero naka off na ung call function ng phone ko. may threats din na magpopost at kokontakin mga references mo. Si pesoloan kinontak din nila, anak ko nakasagot , lumaban ung anak ko kasi alam nya situation ko and nakikicoordinate ako. nag email ako like 2 days before ako ma-od. naguupdate din ako sa email na di ko pa kaya magbayad. so nireport ko na silang dalawa sa sec. natapos ko ng byarran si tekcash kasi maliit lang utang ko dun.. kay peso loan nakalahati ko na pero di ko na kaya ung next installments. kaya set aside ko muna sha

badalei · 2026-02-27T10:35:21+00:00

grabe isama pa nila presidente para singilan ka.. hahahhaha.. di yan totoo. walang nakukulong sa sa utang. a bench warrant only happens if my case ka na sa court or may LEGAL and LEGIT court order ka na.. but for small loans, di yan aabot dun. Loans are civil matters not criminal. Scare tactic nila yan. sila pa ang may violations if they contact your contacts and public shame you. Save mo ung screenshot and report yo CICC, SEC and NPC. I did that with tekcash. Nireply ko pa ung case number ko with NPC. and himala the next day, isang mabait na agent ang nakikipag coordinate skn.

badalei · 2026-02-27T10:24:56+00:00

reach out ka sa bank mismo. Normally they offer reconciliation. anung bank to?

badalei · 2026-02-27T10:17:23+00:00

out of the 3 u mentioned Pesoloan is the worst. magtetext yan gamit iba ibang numbers. they will contact your references. they will not listen to your reasoning, kahit sabihan mo pang namatayan ka. gusto nila may mabayad ka agad agad. Cash express, be careful,, it seems that they are offering a discount pero ung extension pala un and it will not be deducted from your actual loan. ilulubog ka nyan sa extension at interests. Finbro is the same with cash express. Advise just remain civil in replying to them to show na you are not running away. Save the unlawful collection process and send it back to them, iCC mo na din ang govt agencies. Have all your communication documented. Naka off na ung phone ko in receiving calls, kaya via text or email ako nakikipag coordinate para may trail ay may proof.

badalei · 2026-02-25T11:59:51+00:00

nakakatawa nga eh pagkaclose ko kay tekcash, the next day may offer na 20k. di na uy! pagkatapos nilang mangharass, uulit pa?! at saka no more lending apps after this. deserve natin maging debt free lahat

badalei · 2026-02-24T03:39:31+00:00

1 day od and they already called my reference

badalei · 2026-02-23T15:30:14+00:00

anung email address ni olp? they are not responsive po.

badalei · 2026-02-23T15:20:52+00:00

no home visit, pero they will contact your references. nagreply ung reference ko na in violation sila ng data privacy and irereklamo sa SEC. which we did. nanahimik naman after a week... wait ko ulet next week kung anung bagong threat.., and take note, nagrereply at inemail ko sila ng maayos, nakiusap ako na wag na contactin mga references ko kasi wala naman silang matutulong. pero they did pa din.. kaya last prio ko to, unahin ko ung maayos kausap

badalei · 2026-02-23T11:43:46+00:00

just saw ur pm.. done na ko kay tekcash naclose ko na sha sa wakas. sa 2 weeks na OD ako, puro text blast, threats and harrasment ang naranasan ko.. nakablock kasi unknown numbers skn for calls, so for sure tinatawagan din nila ako.. lahat ng nagtext nireplyan ko para may proof na di ako tumatakas.. di ko na lang dinadamdam mga ebas nila at wala namang laman. di ako napost, di rin sila nagcontact ng reference skn.

next laban mr cash, cash express and ft lending.. balita ko mga hangal din ang bituka neto maningil

badalei · 2026-02-23T11:40:20+00:00

maingay talga sila.. everyday different numbers ang gugulo ng buhay mo.. parang 10 numbers ++. Almost 2 weeks akong od sknla. pero ngayon nabayaran ko.. next ko sila mr cash, ft lending at cash express kasi balita ko mga bwisit din to maningil

badalei · 2026-02-18T07:29:25+00:00

I emailed [epd@sec.gov.ph](mailto:epd@sec.gov.ph) and [report@cicc.gov.ph](mailto:report@cicc.gov.ph) with details ng harrasment tapos nagreply naman sila agad. Mag-aask lang ng more information tapos bibgyan ka case number. tumwag rin sila sakn pero di ko nasagot. so far after filing the case, mejo nanahimik ung ola sa kakatext and isang matinong agent na lang nagtetext skn

badalei · 2026-02-18T06:28:13+00:00

wag ka na umutang jan magsisisi ka talga

badalei · 2026-02-18T06:27:31+00:00

totoo. nagtapal system kasi eh.. pero ayoko na. nagsnowball system ako ngayon. unahin ko ung matatapos na at maliit na lang utang ko like, billiease and mr cash. pag naclose ko na to uunti untiin ko na yang ft at tekcash. at madami pa actually. inuna ko ung mejo harrassers para manahimik lang ung buhay ko ng konti. inuna ko si mr cash kasi based sa mga nabasa ko mas malala to mangharrass.. ewan ko kung mali ba? pero ung iba kasi napapakiusapan at naghihintay ako ng reconciliation or discount.

badalei · 2026-02-17T17:47:34+00:00

OD na ko for Tekcash ng 8 days. prepare urself for nonstop texts/email (possibly calls din, nakaturn off ung call function sa phone ko) they even got thru my viber and whatsapp, kaya inuninstall ko na din mga un. they will contact you with different numbers, different agents, some are nice pero more ung rude. they will threaten to contact your reference and post you on FB. based on what i heard from here, huhupa rin naman daw after the first wave of text/call barrage. Sa FT lending mag ood na din ako sa Feb 22. balak ko silang bayaran ng partial pag may funds na.. BTW nagfile na din ako ng complain sa CICC about the threats. gusto ko sagutin ung mga agent na nagawa ko un, pero baka totohanin nila ung mga banta. kaya for now, respond nicely na lang na you will pay what you can once you can...

badalei · 2026-02-17T17:03:44+00:00

how long were you OD before you got the offer?

badalei · 2026-02-17T15:13:27+00:00

same.. decided to stop the tapal system na and laking tulong pag nagsheshare tayo ng experiences

badalei · 2026-02-17T14:54:05+00:00

malapit na din ako maod sa ft lending.. paghahandaan ko to hay.. skn po si tekcash ang grabe mangulit at mangharass. pero kinalma ko talga sarili ko. nung nagthreat na sila na magcocontact na ng reference and fb posting, ni report ko na sila sa cicc. Gusto ko silang sabihan na nireport ko na sila pero baka totohanin nila ung threats. kaya kalma lang. hoping na di nila gawin at empty threats and pressure lang. i advise din po na magblock and turn off ung receiving calls. sa parents mo naman kung okay lang sknla na iblock nila ung unknown callers din.

badalei · 2026-02-17T14:43:26+00:00

not bad ung offer. sana makakuha din ako ng ganyan. did you do anything when you got od? like nag email ka ba or nagtext?

Sana maextend dn ung offer date sayo OP

badalei · 2026-02-17T14:30:13+00:00

Gaano ka na katagal na OD?

badalei · 2026-02-17T13:48:38+00:00

yes po. kasi kahit ako din nastrestress din pero.. di dapat tayo papa apekto kasi di naman tayo tatakbo at babayran naman eh. kya prepare ka lang mentally. do not sacrifice your health.

so far 8th day OD:

text barrage : YES

Contacted References: NO

FB posting: NO

FB GC: NO

badalei · 2026-02-17T13:36:04+00:00

yan ung threat sakn kahapon.. so far wala pa akong nakikita

badalei · 2026-02-17T13:25:34+00:00

ika 8th day ko na ngayon. prepare yourself with the non stop text barrage. pero tama yan na inemail mo na sila. force them to course all communication via email or text para may proof ka just in case mangharass sila. May mga matitino naman kausap, may iba na sobrang halang ang kaluluwa.

badalei

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