u/AnsemDwise

So this might be the first time, may mababasa kayo na negative experience from Happy Cash. Nagloan ako 3.2k sa Happy Cash for 1 month repayment on May 9, 2026. I swear to God bago ko i-click yung confirm nagpakita pa ng projected amount na babayaran ko which is 3.5k lang.

Low and behold, nagulat ako BIGLANG NAG 9 MONTHS REPAYMENT! So total na babayaran ko 6k for 9 months wow, what if malaki pala yung inutang ko let’s say 36k so ibabalik ko 72k? Nag reach out ako sa CS same day, no response sa chat service nila, tried 3 times and nothing, called their mobile numbers sa app, no response rin.

Today, May 26, 2026 tumawag naman ako sa landline nila bakasakali dun sumagot. May sumagot na CS, explained everything to him. Ang dispute lang daw is 3 days for loan cancellation, tas sabi ba naman bago raw ako mag loan mag screen record daw ako for proof na ganun nga raw nangyari. E malay ko ba na ganun ka greedy yung app nila. Mind you, sinabi niya saakin may previous clients daw na same raw ng experience saakin. Pero sa system daw nila okay naman daw.

Medyo napipikon na ako kanina. So I asked ano pa options ko kung palugit is 3 days lang from the loan date. Pag tumawag daw yung collections dun ko raw sabihin. So I agreed and asked for a reference number, hindi raw sila nagbibigay ng reference number kasi recorded naman daw like huh? So sabi ko, “Paano magiging credible yung sasabihin ko sa collections niyo,if yung mga info na prinovide mo saakin wala naman call reference number?” Tas ayun binigay niya lang full name niya. Ewan ko kung totoo pero ang frustrating like sino magloloan na kailangan naka screen record muna bago confirm??

I'm 26m no family, earning 22,300.00 PHP monthly, been harrased by OLAs and I've thought if bayaran ko nalang ba kung ano yung mas importante, pero hindi pa rin ako sure kasi plano ko talaga isettle lahat pero yung daily interest kasi ng mga OLAs pag overdue is mindblowing for me.

Other unsettled debts

• Tonik  ₱ 34,764 (June 1st) (₱2,897 monthly Every 1st of the month )
• Ggives  ₱ 20,334  (May 30th) ( ₱1,848.50 monthly  Every 30th of the month) 
• JuanHand ₱ 18,384 (May 29th) (₱4,596 monthly Every 29th of the month)
• Gloan ₱ 11,326 ( ₱2265.17 Monthly)
• Friend #1 ₱11,000 (Friend pay whenever I can)
• Friend # 2 ₱5,000 (Fixed 2k monthly)

=============================================

• Pesoloan  ₱ 8,643 (Partially Paid) (OVERDUE)
• Cashalo ₱ 10,688. 00 (May 15th, 2026) (OVERDUE)
• Happy Cash ₱  6,026  (Every 9th of the month ₱ 670 monthly)
• FT Lending ₱  3,472 (  payment split in two in 1 month)
• Gloan ₱  6,615.47 (Every 21st of the month ₱720 monthly)
• Salmon  ₱ 3,099 (1 month only payment)
• Fido ₱ 4,080 (₱680 payment every 15 days)
• Maya ₱ 1,080 (1 month payment)
• Gcredit  ₱ 1,005 (1 month payment)

So ayun, nakikita ko lang kasi sa r/problemgambling madalas yung pag recommend ng gamban. Pero naisip ko lang gagana ba yun sa casinoplus or arenaplus. Para ma block talaga yung access? Just wanted to know if meron din mga naka subscribe dito.

I’ve posted with this sub before, the first time is I was 21 years old, got hooked into cockfighting (roosters unaliving each other) It was the first time I got introduced to online gambling. Thankfully it got banned by our president during that time. But I already lost $300 then, that was back in 2021. I didn’t play for over 2 years since then.

Fast forward to 2023, school was stressing me to the max, I went to the casinos and played baccarat. Instantly got hooked because I won $800. Then of course I bought some stuff for myself, then I lose it all in the end. I’ve even gambled my tuition for 1 semester. Got so stressed out and contemplating suicide at that point. I posted this story start of 2024. I took the advice from the people around here and told my family about it. Got therapy and I stopped gambling for over a year. Was actually proud of myself, my girlfriend and family were very supportive of me, and I was very grateful.

I started gambling again March 2025, it was a very weird feeling during that time, my body was really hot, and the urge was very strong during that time. I relapsed, played, and lost. I got a job before my graduation, but while I’m working, I couldn’t think of anything else besides winning it all back. I still didnt win anything, and my total debt during that time was already $878.

I continued gambling from that point on, and stop gambling on December 31st 2025. But at that point, I was already using online lending apps, I was paying it one by one, and didn’t play for over 4 months, until I had a confrontation with my mother. She talked behind my back to my siblings and it came from them that my mother said “he barely contributed anything on this household” I confronted her, and she denied it, my siblings were there during the confrontation, and they testified that she did say it mockingly when she told them that.

My extended family heard about it, told me I was very disrespectful. I got stressed and gambleb while using loaning apps that have high interest. And right now I’m laying on my bed while writing this, that has a total debt of $2000 at 26 years old. This amount might be small to some, but I lived in a 3rd world country and this amount is big already. I dunno what to do anymore. I kept thinking about ending my life, because I’m scared living like this for the rest of my life. When under stress I gamble. My therapist didn’t help at all because she told me gambling is a tough case because there’s little study about it.