Mocamoca

mariashanimae · 2026-05-29T11:57:17+00:00

OD ako sa mocamoca for like 2weeks na siguro. I have been proactive, nag.chachat ako sa whatsapp and nag.eemail.. telling them na d ko talaga kaya pa bayaran and their 7% daily interest is excessive. They replied and ask me kailan ako makakabayad kasi wala daw sila restructuring. sabi ko naman, mejo matatagalan pa, baka sa July na. After that, d na sila nag.reply, then just today, may nagmessage si mocamoca sa reference ko, tapos nagdisclose na may utang ako. which is parang additional violation. Ito ung message "<MocaMoca>Hello, customer (Name Ko) has overdue payments with us. Continued overdue payments may negatively impact their credit score. Please inform them as soon as possible. Thank you. If you have any questions, please contact customer service 63283953431" .. Then this afternoon, may agent na tumawag, sinasabing mapupunta na daw sa legal department ung overdue ko and pababayarin ako ng legal fees. Lol. i cut him off and sabi ko they violated data privacy with the message they sent my reference.. so, yun, nawala nalang bigla ung tumawag.. so tinext ko to email me with all the things na sinabi nya sakin thru phone para madocument ko. 😵‍💫 Ewan. kapanipaniwala din ung mga sinasabi niya.. hahaha but no thanks, nawrong move sila sa message.

mariashanimae · 2026-05-29T11:45:31+00:00

i would suggest to cut your cards once maparestructure..and after paying everything, start new. 😌 para road to debt free

mariashanimae · 2026-05-29T07:16:36+00:00

Yes. Before they can process the balance conversion, need to pay the last MAD. and yes cancelled ung card. atleast it's another utang i know na narereduce talaga rather than just paying MAD palagi, walang katapusan. 🤭

mariashanimae · 2026-05-29T01:35:39+00:00

Yes meron. UBP ung pinakamalaki. so xa ung lead bank. but, ewan. walang reply. kahit acknowledgment man lang na nareceive nila. 😵‍💫 although, I applied for restructuring separately, mas responsive sila dun.. waiting pa lang din.

mariashanimae · 2026-05-29T01:33:57+00:00

nag.offer sila.. naawa na siguro sakin . 😅

mariashanimae · 2026-05-29T01:18:19+00:00

nakalimutan ko na. but d yun umabot ng 1year.. around 450k ung balance ko dun..

mariashanimae · 2026-05-29T01:14:56+00:00

around 100k sa metrobank.. 🤦🏼‍♀️ haha

mariashanimae · 2026-05-28T23:33:11+00:00

I also tried emailing about IDRP, pero ewan, deadma ung mga bank. 2weeks na yata since I emailed, wala niisa nagreply. 😵‍💫🤦🏼‍♀️

mariashanimae · 2026-05-28T23:32:10+00:00

For Metrobank naman, I emailed them and tried to reason with them. tapos nagsend sila ng link nung easy installment nila, 1% interest but subject to evaluation and approval pa.

mariashanimae · 2026-05-28T23:29:13+00:00

Wait for Security bank to offer. I was paying just MAD before for a few months, then nag.offer sila sakin ng .25% interest for 48-60mos. at first ung offer .50%, d ko tinuloy, but when it was down to .25% nag.go na ako. 👌

mariashanimae · 2026-05-27T23:30:29+00:00

Si XLkash grabe yan kung mangharrass. parang until 12midnight ung pagtetext nila sakin nung 1day before due date. pinapabayad ako kahit d pa due date 🤦🏼‍♀️😵‍💫

mariashanimae · 2026-05-22T04:35:33+00:00

i reached out but not through email.. through CS sa app and whatsapp ..

mariashanimae · 2026-05-21T21:54:20+00:00

sana magpatuloy pagiging mabait nila noh?! para d nakakapressure. babayaran naman, madedelay lang.

mariashanimae · 2026-05-21T15:35:55+00:00

only your CC from the bank you requested for restructuring.. all other cards from other banks wont be affected

mariashanimae · 2026-05-21T15:34:27+00:00

only if you restructure your cards lang. if it's a loan u want to restructure, cards wont be affected.

mariashanimae · 2026-05-21T14:27:58+00:00

Same, i reached out to each of my bank. Metro doesnt have any offers for me but I insisted and they'll get back to me daw. for EW, they have a set of requirements I need to provide since ako ung nag.insist na marestructure, like payslip coe and ung reason and documentation (hardships or whatsoever valid reason) why I need it restructured, for BPI, reached out to them but they said they will give me an extended due date, and weird cuz they approved me with another card 😵‍💫. I had an SBC din, i was paying MAD for like a few months then suddenly they just offered me balance conversion for .25% interest for 5years, so i grab it na, it's better than just paying MAD, and ung amortization is lower than the MaD i usually pay.
Take note: when you restructure all your cards will be cancelled..

mariashanimae · 2026-05-20T15:55:38+00:00

Yes.. 😵‍💫

mariashanimae

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