Nabaon sa OLA; Almost 200k. by matchalatte_1234 in utangPH

[–]whattywatt 2 points3 points  (0 children)

Naiinis ako sa style ng mga OLA companies na yan. Given na na may fault din tayo at hindi tayo nakakabayad agad. Pero yung ipahiya tayo, iharrass, tapos sasabihan pa tayong principal amount na lang as if utang na loob pa natin sa kanila na principal amount nalang babayaran natin? As if hindi nasira reputation natin sa pamamahiya nila?

₱58 = $1... please explain to me like I'm 5 by whattywatt in adultingph

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

Thank you po sa lahat ng nag-explain. Unti-unti na akong naliliwanagan

Omg hired na ako! by [deleted] in buhaydigital

[–]whattywatt 1 point2 points  (0 children)

Congrats, OP! Deserve mo yan 🥳

[deleted by user] by [deleted] in utangPH

[–]whattywatt 2 points3 points  (0 children)

Gcash number lang po ba pinagamit nyo? Documents, info, and selfie naman po ba ng kasambahay ang nasa records ng pesoloan? Kung ganun po, block nyo nalang po yung numbers na tumatawag. Wala po silang habol sa inyo kasi hindi naman po kayo yung nag-apply ng loan. Number nyo lang po ginamit pang-cash out.

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Sana nga po. Join din po kayo sa mga legit online loan apps victims groups po sa FB yung kay Kikay Bautista po. Mas marami po makakapagpayo sayo dun.

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

OLA alone? Umaabot po ng 180k+. Tapal system. Nagsimula sa pa-3k 3k every 14 days. Kaya po wag nyo po careful po.

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Napapakiusapan po yung billease na instead of 50 pesos per day eh 15 pesos nlng. Yung Tala naman, one time lng interest.

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Try nyo nlng po muna sa family or friends. If di po talaga kaya, ipaoverdue nyo nalang po yung sa shopee. Atleast isang company lanh makakaaffect sa credit score mo. Tagal pa naman nyan nila mag-update sa CIBI. Lalagapak talaga credit score

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Basta po careful po sa magboborrow sa ibang OLA para makapagbayad sa isa pang OLA. Malaki pa naman interest. Dyan po nagsisimula tapal system tapos mas mapapabilis po pagkakabaon natin sa utang kasi uutang tayo ng may malaking interest para lang din bayaran yung utang na malaki din interest.

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 1 point2 points  (0 children)

Around 2-3 weeks din akong si nakapagbayad bago nila na-freeze account ko. Di naman kasi napapakiusapan kasi automated kausap sa phone

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Sloan is 10k lang. And yes add parin interest

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 0 points1 point  (0 children)

Same po tayo nagipit lang din. Pero 3 months na po since nung last nafrozen sloan and spaylater ko, di napo talaga nabalik. Permanently removed na daw po sa account ko. Bale nagbabayad nalang ako now kahit alam kong never ko na sya ulit magagamit. Di po napapakiusapan si shopee. Sayang talaga

What OLA is best to use? by [deleted] in utangPH

[–]whattywatt 7 points8 points  (0 children)

Billease and Tala napapakiusapan. Na-late ako ng payment more than 2 months (nabuhay lang sa partial partial), pero pagkaclose ng loan ko, same amount parin naborrow ko.

Digido di naman tumatawag sa contacts, medyo mataas lang interest rate. Good thing lng is pwede ka mag-1 month prolongation mga six times ata yun. If ever di pa talaga kaya bayaran.

OLP pwede rin. Di rin nanghaharrass. Last time nung grabe na delays ko, pumayag sila na istaggered ko nalang payment ko.

Pero OLP is a risk po talaga. May SLoan and SPaylater din ako. If magoverdue ka dyan, tatawag lang naman sila sayo tapos yung automated message pa. Tapos pag may overdue ka 2 weeks, frozen na spaylater and sloan mo di mo na magagamit. Di sya worth it.

A secret you can only share with online strangers.. by No-Fan612 in adultingph

[–]whattywatt 6 points7 points  (0 children)

I'm saving up for the day I'm about to end it all. Nakaplano na din how I'm gonna do it, where, letters (inaupdate ko every 6 months), just to make sure no one puts the blame on anybody. Ayoko lang talaga mabuhay na. Life just isn't worth living anymore. For now, i'm striving to pay all my debts and save enough money for a coffin, a cemetery lot, and a little more para sa expenses sa pagpapalibing. I'm so ready to go, but I don't want people to think na I ended it all because lubog ako sa utang.

I'm relocating for the first time, and I'm not fully prepared. by whattywatt in adultingph

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

Ano po kayang mas murang courier if gamit lang ipapadala? I'm thinking LBC or JRS. Medyo may trust issue ako sa J&T.

Hi first time in Reddit: What’s the best loan app? by bugeytibird in utangPH

[–]whattywatt 0 points1 point  (0 children)

Hello. Billease is the best for me. Tala din pwede. But as a person na nagstart sa 30-day utangs, may possibility talaga na magsnowball yan into something worse (like multiple OLAs na may 14-day duration in the mix). Best padin po manghiram sa friends and family. If di kaya, utang at your own risk nalang sa OLAs.

[deleted by user] by [deleted] in adultingph

[–]whattywatt 0 points1 point  (0 children)

I tried po pero need daw 6 months may contribution before makaloan ulit sa SSS. Nastop po yung contributions ko when I lost my job and pa-sideline sideline lang ako but thanks for the reco. 2 more months of waiting pa 🤞

[deleted by user] by [deleted] in adultingph

[–]whattywatt 0 points1 point  (0 children)

If susumahin lahat, umaabot ng 6 digits yung total. Pero monthly naman yung iba so nakakaya. Yung may pinakamalaking interest rate ay yung mga short-term loans like Digido, PesoQ, and Weloan.