DELETE ATOME
Yes, you read that right. Delete Atome, Sirain nyo na yung physical credit card nyo, and settle your dues immediately if kaya and delete your account, sabay uninstall the app.
If you wanna do credit and loan cash, best advice—never do it with Atome. Kakapal ng mukha ng mga collectors Nila.
One day before the due, incessant calls na, to the point of harassment na—umaga Hanggang gabi.
On the day of the due, haharassin ka ng mga calls and text—na para bang 1 week ka nang overdue.
Missed 1 day? Tatakutin ka ng sobra ng mga text and calls—galawang illegal talaga collections Nila, na para bang tinakasan mo na at ilang buwan mo na di hinulogan o binayaran.
May Galit na kung may galit pero put##ina nyo Atome, lalo na ATOME CASH.
I am a good payer, I pay even weeks/days before the due date, and even settle the dues once makuha ko na sweldo ko every 15th.
Wala masyado ako paghihinayang sa credit kasi I find the interest and fees reasonable naman compared to other OLAs I tried before na Kupal at ungas talaga.
Here’s the thing, once I got the access na pwede nako mang Hiram ng ₱20k, I used it agad to basically consolidate and pseudo-restructure ko yung credit dues ko.
At that time, may work pa ako noon, but I find it hard to pay 6k for two months straight, then 4k for another two months. So I took out ₱20k and what I liked during that time is walang bawas due to fees and ₱3.5k+ per month for 6 months was something doable for me.
I was able to pay ₱3.5k+ for 2 months. But I got laid off. All I have is my part time job as a VA, and 3.5k was completely out of my range and unreasonable for me cuz of utilities and other expenses. All I can pay is ₱2.5k maximum.
So I contacted them thru the app, asking for a restructure with proper documents supporting na I was laid off work. I even gave them a promissory note, and a formal request for a restructuring, accompanied with a suggestion na I’ll pay ₱2.5k per month for 7 months na, kahit dapat 6 months lang to pay off the rest of my balance (principal and original interest) + late fees na rin for “good will” sana.
Pero Kupal talaga ng support, sabi 2\~3 days mag rereply daw sa email ko I had more than a week to wait for a proper response. Nung the day of the due date pa sila nag reply, king Ina talaga, tas sabi lang:
> We understand that this may be a difficult time, and we wish to support you as best we can. In order for us to better understand your circumstances and explore suitable options, we kindly ask that you provide relevant and official supporting documents.
> Once we receive the complete documents, we will share your request with the relevant team. They will review your case and reach out to you to discuss your payment options.
Oh diba? Nanghihingi ng supporting documents kahit may nabigay nako, and even if may need pa na documents, ba’t walang sinabi kung anong kailangan na documents? At Bakit Ang tagal ng reply?
So alam nyo anong ginawa ko? Pina over due ko ng 1 day, tas may ginawa ako sa settings sa iPhone para di makatanggap ng text and calls from unknown numbers. Bakit ko ginawa? Wala lang, sguro gusto ko lang makatulong sa ibang may overdue. The more time they spent calling me, the less time and attention they have to contact other OD peeps HAHAHA.
Then, kumuha ako ng Gloan. I know, I know, yung “pseudo-restructure” method ko is walang pinag-iba sa tapal system. But my rebut is yung balance ko sa ATOME CASH na ₱14k+ na dapat Kong Bayaran ng ₱3.5k+ per month for 4 more months? Ginawa ko syang ₱2.6k+ per month for 6 months sa Gloan.
A bit higher than I wanted, kasi I had to loan mga ₱14.7k due to Gloan having a service fee na mga almost ₱700 din—which is something I don’t like with Gloan. Pero I had to do what I had to do to survive and SACRIFICE lang talaga sa mga wants and needs.
So it’s getting a bit long and I’ll conclude it here… after 3.5 months (I took the liberty to pay in advance whenever I have extra) since the Atome Cash fiasco, I only need to pay ₱2.6k+ next month para wala na talaga akong utang. And luckily, Pa tapos na rin probation ko sa new job ko, and I’ll finally have my financial freedom back.
NO TO ATOME!! PERIOD!