u/calmneil

We have heard that line "im a good payer, ngayon lang nangyari.. (nagkasakit, nahospital..etc..)", Well the reason why OLAs resort to brutal tactics like harassment, is wala talaga silang magawa. Kaya sa first round ng loans kahit si satanas umiiyak sa interest na ipatong nila. Why? Sa dalawang beses na magrepeat loan ka sa kanila bayad na yun Pangatlo, under sa batas ng legal interest rate.

Anong ibig sabihin sa pyrhhic victory, si haring Pyrrhus ng Epirus, ang tanging hari nanalo sa Roman Empire. Ito yung imperyo o kaharian na pinakamalakas nuon. Ito din yung kaharian nagpatay ni Hesus, at sa muling pagkabuhay ni Hesus. Nanalo nga si Haring Pyrrhus, pero malaki din yung talo at gastos niya, at parang naging talo din dahil, na uubos din ang yaman nila sa gastos, at hindi nila makolekta ang panalo niya sa Kaharian ng mga Romano, dahil na uubos na ang tao niya.

So, that is what is called pyrhhic victory. Kahit anong gagawin, kung wala kang pambayad, at asset mo lang ang cellphone luma, o kaya sapatos na florsheim, at hulugan pa, wala talagang mangyari. Even if the courts will allow a judgement for collection and there is no cash or asset to seize, or a million times to visit your place or workplace at nag uupa ka lang or ang bahay sa mga parents mo nakapangalan kulelat din. Try telling them if they do HVs you will settle using your old shoes to deduct from your loan, as you have no cash to pay them, mag aalboroto mga yan. Hindi tayo DPWH contractor, BIR, or mga senador/congressman na may real assets or cash to spare. . Kung may income statement man tayo palaging negative yun. Sa ITR lng may positive dahil sahod at may kaltas ang gobyerno, para mka loan tayo and the cycle repeats and rinses.

The originals lalo na si Digigago, dapat masara na ito ng gobyerno for good. Sila yung nagsulat ng playbook nito Robocash pa sila nuon. This will really alleviate the real middle class na at least isang malaking dambuhalang megalodon inupakan ng Pilipinas, at serves as a lesson for the rest of the Olas, kahit isa lng christmas gift para sa amin ang tunay na middle class.

So again in the spirit of christmas sanity, deadma na. Life should move on, for 2026 and beyond.

Happy Holidays.

Just a heads up. Do have that reminder above constantly. Ahente ngayon they operate in hive trolling, this comes from military intelligence tactics. Dati 1 karma lng 1 buwan lng created account. Ngayon fully locked and load na mga yan, from 2 years or more to more than 100 karma. Most of that binili user account.

Mapapinsin mo, may magpost, may hearing sa bgy daw si maya, etc, etc. At sabihin, totoo po ba to, or legit po ba to. O kaya may summon s mtc, pulis, rtc, at kung ano ano.

At sunod sunod yan. That is called hive stalking and trolling.

Most of that natrapped ng filter ng bot at AI, ang hindi mahuli malagyan ng flair.

**So, again, I apologize for being an idiot to place the rules for you to backread**

Again dont trust anyone here.

Its been a long time journey being here, making sure platform is safe, strong and relevant. Sometimes we encountered entitled pricks and bitches who seemed to know it all about olas, lilipas at lilipad din ang mga ito. Entitlement, snide remarks and agents are not welcome here.

Back in 2021 to. 2022, 2 uniformed personnel with legal experience shared pieces of harassing text message. We ask colleagues, friends, kamag anak, mistressess, associates, businessmen and we i initially form some sort of group. Businessmen, a politician, a bpo workers, MDs, RNs, AFP PNP personnel, judicial and prosecution personnel, bankers and working students in law and medicine. Started as 17,then it became 60. So we had scheduled some sort of gathering, only to find out 12 of those are actually agente ng ola from one of our banking friend who handles credit card debts. So yun hindi natuloy.

Anyway.

Someday, somehow we will have that opportunity. Just keep on having faith this will turn around. In the meantine, we reverted back to our reliable 55 man core crew group. 2 judiciary employees, 2 prosecs, 3 lawyers, 8 from uniformed afp, bjmp, pnp, bfp, at 2 retired, 12 bpo workers, 10 msme businessmen carinderia, tianggehan, 5 politician pinakamataas VG,1 from nbi acg. And about 2 percent nasa abroad na,and 5 percent student pa.

Someday there will be reckoning of this economic plague.

Hindi pa tamangan hingayon, daming nakisawsaw

Well, it is official. Ola users are now 70 million. This includes legit(gloan, maya, etc) or illegal(digigago, pinoypeso, etc) . It doesnt matter pag OD na ang user illegal harassment na gagawin nila both legit and illegal. Hiding in a pretext nasa collection agency na daw.

We have a stupid economic ecosystem of liquidity for the middle class. The retail tiannge style, and the huge malls. ALL ola users are middke class. 60 percent of ola users will always default, statistically ever since this started and documented 8 years ago. The math will always explain it. It is like gravity. You cannot survive in this economy if inflation grows year on year at an average of 6 percent, then this year it became 10 percent. Hence, ola time, to survive within the gap. But who helps the middle class? The lower class have ayuda. The seniors have their quarterly payout, bigger if your in QC, Makati and Cebu. The rich millionaires and billionaires have their billions park somewhere or are serving congress, or the senate.

Which brings us back to us. Before This year, if you have gone thru a calamity like typhoon tino or uwan, has a family member that was criticalky sick or you were critically sick, that alone had a computed cash flow garnishment of 177 percent per month against your income. We filipinos are a patient and emotional bunch, unlike mexicans, spanish, americans or even our neighbors the indonesians who have fiery demonstrative aggressive emotions. If you have outstanding olas now even if 5 lang yan at average of 7k per ola, sahod mo ay 30k.The math shows you can recover only after 48 months vis a vis against their unconscionable interest rate.

The olas will survive long after, we are not here, as long as the govt allows it and no intervention is done. They will just change their corp names. They are also feeding and entire ecosystem, the digital banks your using, SEC, 3rd party like constantino, rggs, sp madrid etc. Their agents, Globe and smart internet infrastructure, and the debtors.

Looking closely, if we had paid attention to ratios, and fractions and percentages in elementary, highschool and college, we would not be in this mess. Yeah we did pay attention, just that at certain point in life, esp if there is gap in surviving money cashflow, we used the dreaded ola. And we continued to do the tapal thing, until we had an einstein moment like wtf this is not working.

So to recap, unahin needs, not wants, get back on your feet. Save for an EF. Walang iiyak sa atin kungdi tayo tayo lng. Not like the women senators now crying for themselves and their lost privileges, but not for the middle class filipinos that are contemplating of killing themselves due to debt.

Chose to live. ANDAMI NATIN 70 million may ola. Have a mantra sticks and stones may break.my bones but your words can never hurt me. Or the best of them all DEADMA, chgsim, offsim, deact socmeds and old emails,this one works all the time.

Its official there are now 70 million filipinos trapped in the cycle of abusive digital lending app. You can use google ai, using their gemini algorithm.

So it could be anyone, your neighbor, your coworker, your supervisor.. etc.

The only time there was real govt action was in 2023. The raids, the prosecution and incarceration. Now its all about the politicians lust for power, iniwan na naman tayo.

Hay naku, agents ng pinbru, atbp, AI and bots here are getting better. Why do you think nag tangalan ng employees ang AMAZON at EP B.

We tested it last Sunday, sa mga na ban na b4, sa mga know it all, at esp sa mga ola ahente na pa simplang simplang. Daming trapped sa filter at tuluyan byers.

LMMs now are really better in detecting you guys out, as air supply once sang "i can wait forever.."

Duon na lng kayo sa EP B maghasik ng lagim.

**Guys, update new ai and bot are installed along with new reddit version**

**If you find your tagalog, waray, ilocano, illongo, cebuano,mandarin, russian translated to english thats because the subs new default is english. It will auto translate everything to english if your using the latest version of reddit'*.

**Just click "Show Original" on top of the post or comment to revert to your post or comment**

https://www.reddit.com/r/ola_harassment/s/naHYXZZ1xX

https://www.reddit.com/r/ola_harassment/s/KFxPMIVdue

https://www.reddit.com/r/ola_harassment/s/ycGyMDod2y

https://www.reddit.com/r/ola_harassment/s/wLCkqPJWGB

https://www.reddit.com/r/ola_harassment/s/9K1no0rGKB

Again, read the rules. Test us with your entitled snippets. FAFO

https://www.reddit.com/r/ola_harassment/s/bVbsTKBIXg

https://www.reddit.com/r/ola_harassment/s/i4bIcyEv48

Time and again, we have posting or comment "bayaran ko pa ba?, anlaki ng interest, breadwinner ako hindi ko kaya, etc. etc."

For the umptenth time, unahin muna pag survive this crises. Unahin needs, not wants.

Why? For the Ola's the bad debts will only be reclassified as expense on their accounting entry. They will survive not you or me. Sira pa mental health mo.

Bad debts in accounting are recorded by debiting Bad Debt Expense (income statement) and crediting Accounts Receivable (balance sheet) under the direct write-off method, or Allowance for Doubtful Accounts under the allowance method. These entries recognize the loss of credit sales that are deemed uncollectible.

Kaya nga, special business which have fidiciary trust such as banks, are subjected by bsp to stress test para tingnan kung kaya ba ng bank to undergo multiple defaults and cash deposit overruns or bank runs. Govt also Intervenes for banks such as BSP, treasury and PDIC.

They also have insurance for this. As such, Accounts receivable insurance (often called trade credit insurance) protects a business from financial losses when customers fail to pay for goods or services, typically covering insolvency, bankruptcy, or protracted default. This insurance secures cash flow, minimizes bad debt, and allows companies to confidently extend credit to new or existing customers.

Babalik tayo sa deadma, esp. ngayon is real crises mode.

And you think your ola's are your end of existence