u/uvweveuvweosas

Totoo po ba ito? Kaya po ba talaga nilang gawin ang sinasabi nila sa mga threat nila?

See comsec for ss ng threats nila

Is anybody here has an OD with EZCash? Are they harassing you?

Also with Kviku, do they contact your references?

I’m drowning in Debt guys and I can’t get approved for Personal Loans. I’m currently reviewing for the Nursing Licensure Examination and my debts are giving me depression and anxiety especially the harassment. Any advice you can give?

Is it true that they can use my face and ID to scam others and borrow from banks?

Loans:
6k Loanshark
10k Atome OD
7.3k Kviku will increase if not paid in full
6.5k EZCash OD
2.5k Illegal Tala App OD
1.1k Maya Credit
6k Rent

M22, I have settled my life this month because of gambling. I won 70k and paid off my debts but I am not satisfied and gambled again even though I said I would stop. Now I have another 40k in debt because of gambling. My depression and anxiety are so bad now that I am thinking about committing suicide. I have no way to pay because I am reviewing for the board exam but I also can't focus because of my debts.

I need to find someone who can lend me 40k that I can pay back in 12 months. I can’t borrow from the bank because I don’t have a job. Any private lenders here?

I lost 30k gambling money that is not mine. I’m unemployed currently reviewing for the Board Exam. I don’t know what to do and based here sa Reddit is nanghaharass daw yung OLA na inutangan ko. I can’t tell my family kasi unemployed ang tatay ko at mga kapatid ko may kanya kanyang pamilya na. I need suggestions on what to do. Please be nice.

Is there anyone here willing to let their Maya Easy Credit to be borrowed? Preferably 20k loan. I need the money to pay for my tuition. I can provide personal details plus I can give you my Maya Wallet account for assurance. I will pay the interest of the Easy Credit plus your own interest for the money I will borrow. Thank you! Please be respectful in the comsec.

I need 6,500 to cover my tuition balance, I’m a freelancer and I can send personal details for verification

Mahaba to so please don’t hate me. I just graduated Nursing last month. Started February 2025 my groupmate was playing scatter, at first nanonood lang ako then nakikita ko na nananalo siya then natatalo din. I got curious so I told him na palaro ako bigay ako pera sayo tapos cash in ka, cash in ako 100 tapos nanalo naging 500 then cash out. I was so happy kasi we were doing our duty sa NCMH and from laguna pa kami uwian everyday. Magastos yung week na yun and need ko talaga pocket money kasi di naman kami well off. Since I won money while pauwi nilibre ko gf ko kasi kagroup ko din siya. After a week nagcreate ako Gcash ko and nagcreate din ako ng account na Bingoplus kasi doon naglalaro yung groupmate ko. At first nananalo then natatalo then nananalo, naging cycle siya for weeks and okay lang kasi small bets palang naman ang ginagawa ko.

May 2025, madaling araw galing akong inuman natripan ko lang mag cash in ng 200, unang buy spin ko nanalo ako ng 5k. Agad agad akong umakyat sa kwarto ng ate ko kasi ang work niya is 10pm-8am. What I did is pinakita ko sa kaniya then umorder ako ng jabee (6pc chicken and 1 family pan spag) tuwang tuwa sila. May dalawa akong ate na wala sa bahay non so nagsend nalang ako sa kanila ng tig 300 pang SB nila sabi ko. The same day di ako nakinig sa klase buong araw, around 6hours akong nagsusugal and hindi ako natalo pabalik balik lang yung pera ko na around 3k nalang ata that time. Dito nagsimula yung pagiging dependent ng dopamine ko sa sugal.

June 2025, before mag end yung semester I did the unthinkable, instead na ibayad ko yung 8k na tuition money ko, pinang sugal ko, nung una scatter lang nilalaro ko tapos naalala ko yung nakita ko sa IG reels na card game called Baccarat kaya nilaro ko yun. Around 5k nalang natitira sa 8k na tuition money that time, nung naglaro ako ng Baccarat umabot ng 12k yung pera ko, nacontrol ko sarili ko kaya natulog na muna ako. Kinabukasan paggising ko ng umaga hinanap ko agad yung dopamine na binigay sakin ng Baccarat dahil nga nanalo ako ng malaki at walang kahirap hirap feeling ko ang basic ng larong yun. Nag cash in ako 2k after 10mins natalo. Nag cash in ako 3k after 5mins natalo. Cash in ako remaining 7k after 20mins natalo din. That when it hit me, nawala yung pangbayad ko dapat sa tuition ko. I stopped for like a week but then I realized na Enrollment na agad and wala akong pangbayad ng balance ko na tuition.

I went to my friend na may business, I asked for help, tinulungan niya ako, pinahiram niya ako ng 8k para mabayaran yung balance ko and we agreed na magbabayad ako every week ng 500 until mabayaran ko yung principal na 8k then anytime na yung interest na 2k so total is 10k. Nakapagenroll ako.

Nakakabayad naman ako 1st month. Tapos nademonyo na naman ako instead na ibayad no sa kanya what if isugal ko muna para mas malaki maibayad ko. Nanalo na naman ako around 2k so binayad ko sa kanya. After a week natalo yung 500 na pangbayad ko so nagskip ako sa payment. And then the next week natalo ulit so 2 missed payments na ako. Then kailangan na naman magpay ng tuition sa school so binigay sakin yung cash na tuition money. Hindi ko na naman binayad, pinangsugal ko na naman hoping na manalo at mabayaran ko yung tropa ko at yung tuition ko at the same time. Guess what happened, natalo na naman ako ng 10k. This time naisip ko na magsuicide kasi ang talino kong bata nag aral pa man din ako sa isang Science HS pero ang tanga tanga ko pagdating sa pera.

December 2025 came, guess what I did, sinugal ko na naman yung perang binigay sakin na 7k at natalo na naman. Nalimutan ko na exact na nangyari pero nagkautang ako sa gf ko ng 16,500 dahil pinangtapal ko sa ibang tuition payment dahil sa pagsusugal. I finally told my gf na hindi pa bayad yung tuition ko for 1st sem and she couldn’t take it anymore so siya mismo nagsabi sa ate ko about my situation. Nalaman ng buong pamilya ko, nagalit mga ate ko sakin, nasuntok ako ng ate ko na pulis while yung eldest naman namin sobrang sakit ng mga sinasabi. Deserve ko naman kasi pinaghihirapan nila yung tuition ko. Mga sister ko ang nagppay ng tuition ko while tatay ko sa allowance and nagbibigay din sila ate ng allowance. My father’s solution was to spend his pocket money sana para sa pag uwi namin sa probinsya. Yun ang ginamit nilang pera pangbayad ng balance ko at pang enroll ko for 2nd sem. Pinag enroll agad nila ako kinabukasan. So enrolled na ako for 2nd sem.

Tune in for the exiting part ng miserable kong buhay.

Lost 8bands trying to win back 300. I’ll never learn that’s for sure. The nearest I got to my capital was 7bands but I still didn’t quit. Don’t be like me guys. I’m slowly losing my sanity bcoz of this game but I can’t quit yet bcoz I got almost 30bands in debt.

Hi guys, I need a loan to pay for my needs for the Upcoming NLE (Nursing Licensure Examination). I’m earning around 1k per week from side hustles.

Hi guys, planning to OD my Atome Spending Limit tomorrow is the due date. Ano mga ginagawa nilang paraan para mangharass? Nagmmessage ba sila sa mga reference person? Pwede ba yun bayaran little by little? Nagmessage na ako sa customer service nila ang wala pang reply. Thank you sa mga sasagot 😊

I have a total of 20k debt and I don’t know how to pay it since I don’t have a work and I can’t find one since I’m reviewing for the Boards.

EZCash - 4,200
Bear Cash - 3,000
Cashify - 2,700
Kviku - 2,000
Tala - 2,000
Five 6 - 3,600
School - 4,500
Total of 22k

I’m thinking of selling my phone pero pano ako makakabayad kung wala akong phone. Plano ko din mangutang sa Five 6 worth 20k na pwedeng bayaran ko ng onti onti until the end of this year. If you have any suggestion ng nagpapautang (BIG NO SA OLA’s). Last resort ko is to seek help from a rich Professor I am close with, she’s had history of helping students in the past and I just want to try my luck.

I want to be able to focus on my Review for the Boards so that I can get the 1 Million Pesos reward if I get the Top 1. It’s gonna be hard but I know I’m smart and I’m confident I have a shot at it.

Please give me your suggestions guys.

Around 20k lahat lahat ng utang ko. Planning to end my suffering this morning. My family can’t know about this. Once they’re contacted sila mismo ang manghaharass sakin. I was once a bright kid and studied from a Science High School. My life got fucked up during my 4th Year College and until now that I’m reviewing for the boards. I hope they’ll stop harrassing my references once they know I’m dead. Please drop your suggestions guys. I need all the help I can get before I really end my life. Hindi ako OA. Coming from a family where my father is the only one supporting us (5 children).

Hi guys 1st time ko magpost dito sa reddit please be nice. I currently have loans on these apps/sites. Almost sabay sabay sila ng OD and I can’t pay all of them. What should I pay first? Small loans lang naman dun sa mga loan apps.
Cashify: 2700
Kviku: 1800
EZCash: 4200

So far si EZCash lang ang nagssend ng mga threats to me kahit hindi pa overdue yung loan ko. Ano pwede kong gawin para magstop/ hindi kontakin yung mga people sa Contacts ko. I’m a student kaya wala ako work rn and currently reviewing for the boards. Hindi ako makafocus dahil sa EZCash dahil sa panghaharass nila. Sana mahelp niyo ako with your suggestions.