u/BeginningAction5580

I didn’t pay the promotional discount amount, cause i already paid more than the capital. In just 3 months. Now they keep texting me this. Should i be worried?

For the context 24k down to 9700.
Capital 36k total paid amount 58k

They texted me:

Since it appears you no longer intend to settle your loan, we will have no choice but to proceed with possible legal action and report your account to the Credit Bureau in the Philippines, which may result in name blacklisting.

Cash-Express