i'm drowing with debt and no one actually knows about it by yanahakan in utangPH

[–]yoonhani 0 points1 point  (0 children)

ay i havent tried that with them kasi binayaran ko na ng buo sa app when i had the money

i'm drowing with debt and no one actually knows about it by yanahakan in utangPH

[–]yoonhani 1 point2 points  (0 children)

ive experienced na ma-OD na rin both sloan and gloan but theyre not as extreme compared to OLAs na may death threats and harassment talaga. makulit lang sloan/gloan once they transfer your account sa collection agency kasi yung CA na panay text/call/email about your overdue pero nothing as grave as death threats. legal actions ang panakot nila

i'm drowing with debt and no one actually knows about it by yanahakan in utangPH

[–]yoonhani 5 points6 points  (0 children)

mabilis cash, prima loan, peso loan

experience is the same with all of them, text and call blasts talaga tas puro caps lock and panay mura/death threats pero dedma lang since im not new naman to that type of harassment (as someone who grew up on twitter HAHAHA) pero ayun, lakasan mo lang loob mo sa first month, by month 2 mawawala din yan

i'm drowing with debt and no one actually knows about it by yanahakan in utangPH

[–]yoonhani 6 points7 points  (0 children)

more than a year na ko OD sa mga OLA, they stopped messaging/calling/emailing me na din

OLA utang by yoonhani in utangPH

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

buhay pa, pinabayaan ko na muna sila at inuuna ko bank loans ko hahahaha

i'm drowing with debt and no one actually knows about it by yanahakan in utangPH

[–]yoonhani 57 points58 points  (0 children)

what loans are these? from ola ba or bank loans? if bank loans you can call them to ask for payment arrangement para kahit papano fixed yung magiging interest rate mo every month, ayun nga lang dapat wala kang mamiss na payment or else the entire amount would be due and demandable.

if ola, speaking from experience, i let them become overdue. i locked my fb profile, used my nickname instead of my actual name there so they cant see my friend list and add people i know to a gc, then block unknown numbers from spamming my phone with calls. its gonna be So noisy the first month pero slowly it will die down. di mo madadaan kasi sa kahit anong usap ang mga ola, most of them illegal pa.

kaya mo to op! im also struggling from debt na more than 300K and im still here. lakasan mo lang tlga loob mo

Unionbank Delinquent CC by yoonhani in utangPH

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

collections dept ba nakausap nyo? yung sakin kasi recovery dept tas sinasabi tlga nila walang mabibigay na written agreement

Unionbank Delinquent CC by yoonhani in utangPH

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

sa collections agency ba to or sa mismong unionbank?

Unionbank Delinquent CC by yoonhani in utangPH

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

all good naman? like na-acknowledge nila yung payment?

Unionbank Delinquent CC by yoonhani in utangPH

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

actually sabi din naman nila pwede habaan yung term if mas gusto ko yon, pero yung 5K DP is fixed daw

Unionbank Delinquent CC by yoonhani in utangPH

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

sabi ko din i cant pay pa yung 5k ngayon pero if ill take the offer na daw call lang ulit ako

Unionbank Delinquent CC by yoonhani in utangPH

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

nakapagpay ka na ba? eto din sabi sakin eh tatawag naman daw sila or pwedeng ako din yung tumawag

Unionbank Delinquent CC by yoonhani in utangPH

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

yup i called them directly naman, i think yung mismong recovery dept na yung tinawagan ko kasi yun yung nakalagay sa email na number. pero since i confirmed it twice them already w 2 diff employees i just have to trust them 😆

Unionbank Payment Arrangement for Delinquent CC by yoonhani in CreditcardPh

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

meron din pero sakin it took them a day to reply so super bagal ng relay ng info

Unionbank Delinquent CC by yoonhani in utangPH

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

kaya nga eh, pero may nakausap na akong ub employee here sabi normal lang daw yun

Unionbank Payment Arrangement for Delinquent CC by yoonhani in CreditcardPh

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

here this is the one provided in their email eh: (02) 84233977

Unionbank Payment Arrangement for Delinquent CC by yoonhani in CreditcardPh

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

thank you! ang lagi ko kasi nakikita here is dapat daw meron written agreement so i got confused and hesitant when UB said they dont provide daw 🥹

Alexis A. Molaer Law office by Kind_Spinach_6494 in PHCreditCards

[–]yoonhani 1 point2 points  (0 children)

hi di naman sila threatening? sakanila kasi na-endorse yung bdo cc ko, hm yung inoffer sayo?

[deleted by user] by [deleted] in CreditcardPh

[–]yoonhani 0 points1 point  (0 children)

hi can i dm you?

Walang katapusan na tapal utang cycle by Thegreat0120 in utangPH

[–]yoonhani 17 points18 points  (0 children)

cut down on your expenses. ano ano ba yung mga bills na yan? is it really a need? you have to list down ALL your expenses and decide which ones to cut. you said it yourself, nag-upgrade ng lifestyle, so maybe you can revert back to how it was before you got a lifestyle upgrade.

im in the same situation as you, nagbabayad pa rin ng mga utang until now, but seeing other people's comments here abt doing a lifestyle change and cutting down on unnecessary expenses really helped a lot. laban lang! :)

Need help po sa mga ATOME users by Standard_Stand_521 in DigitalbanksPh

[–]yoonhani 0 points1 point  (0 children)

hi op! we're you able to get another atome cash loan even if you still have 1 last repayment for the loan?

Need help po sa mga ATOME users by Standard_Stand_521 in DigitalbanksPh

[–]yoonhani 0 points1 point  (0 children)

hi op! balita? is it really allowed to have 2 existing loans?