r/ola_harassment

Di ko na alam paano pa to mababayaran. Yung iba dyan OD na 😭 mababaliw na ata ako.

MERON BANG NAG HOME VISIT SA MGA YAN? YUNG JUANHAND NA OD AKO NG 3 days tumawag na sa KAPATID KO. Si ATOME ma OD ka lang ng 1 day 50+ calls na yan sila DAY 1 palang. 😭😭😭

Maya Credit - 10,855.16 (1 time payment)
Maya CC - 14,770.92 (1 time payment)
Maya Loan - 8,472.15 (Installment - 7 mon. left)
UB CC - 15,090.80 (1 time payment)
Atome CC - 70,091.06 (1 time payment)
Atome Cash - 24,666.71 (5 mon. left)
JuanHand:
- 39,675 (5 mon. left)
- 27,135 (5 mon. left)
- 19,470 (6 mon. left)
BillEase - 30,140 (10 installment left)
GoTyme Loan - 1,764.87 (Installment- 3 mon. left)
MariBank Loan - 23,695 (Installment- 7 mon. left)
Tiktok paylater - 13,261.55 (Installment- 4 mon. left)
Spaylater - 30,773.8 (Installment- 12 mon. left)
Sloan:
- 8,341.99 (3 mon. left)
- 44,049.81 (9 mon. left)
- 5,156.78 (2 mon. left)
- 15,731.53 (6 mon. left)
- 12,278.26 (6 mon. left)
PesoLoan - 8,555 (3 mon. left)
FidoPH - 1,360 (5 mon. left)
TendoPay - 49,012.4 (auto dedac to my salary)
SSS Salary Loan - 37,087.31 (auto dedac to my salary)
SSS Calamity Loan - 21,726.92 (auto dedac to my salary)
Pagibig Loan - 32,242.47 (auto dedac to my salary)
HSBC CC - 49,187.7 (1 time payment)

Hi, 26F and as the title suggest almost one year na since I officially became an “OD girly” sa mga OLAs. At one point, I had around 10 unpaid OLAs. Most of them were sketchy, some may be registered, but apparently walang proper secondary license/authority to lend. And regardless kung registered sila or hindi, one thing was common “HARASSMENT”. Calls, messages, threats, intimidating emails, and those copy paste templates na parang ginawa ng iisang taong galit sa buong mundo. Thankfully, I never experienced a home visit or an actual physical demand letter. Mostly, I just received the usual template emails na ang laman ay pananakot, pressure, and “pay now or else” energy. But honestly, behind the jokes, this whole experience messed me up mentally. Just like many people who got trapped in predatory lending apps, I fell into depression. I was constantly anxious. Every notification felt like bad news. Every unknown number looked like another collector. I reached a point where I felt ashamed of myself and thought I had ruined my life financially.
But here’s the part I want to share “I survived it”. I was able to pay my debts with banks both traditional and digital. I paid what I genuinely owed to people. I settled the debts that I could reasonably settle.
And for the OLAs? I eventually made a decision. I decided that I was not going to pay unreasonable, high interest amounts that came with harassment, intimidation, and questionable lending practices. Not because I don't believe in paying debts.
I do. But I also learned that being in debt doesn't mean you have to surrender your peace, dignity, and mental health to people who use fear as a collection strategy. I learned the hard way that borrowing money when you're desperate can put you in a much deeper hole. And sometimes, the best financial lesson comes with the most expensive tuition fee. If you're currently in the same situation, please remember this “Your debt is a problem. It is NOT your identity” .
-You are not a bad person because you made a bad financial decision.
-You are not a failure because you got trapped.
-And you are definitely not the amount written on an OLA's screen.
One year ago, I was scared of every notification. Today, I can look back and say:
“Grabe, na survived ko yun?.”
And honestly? That's something worth celebrating. To everyone currently trying to get out of the OLA cycle ang masasabi ko lang ay “one step at a time.” Stop borrowing from one app to pay another if you can. Prioritize legitimate debts and essential expenses. Learn your rights. Document harassment. Ask for help when you need it.
And most importantly, don't let shame isolate you. Money problems can be fixed. Slowly, painfully, sometimes embarrassingly but they can be fixed. Your life is bigger than your balance due. Almost one year OD, but still alive, still rebuilding, and definitely wiser. Cheers to financial peace, better decisions, and never downloading an OLA out of desperation ever again.

Hi guys, grabe mang harass at mamahiya tong cashguard na to! kinintact nila lahat ng nasa contact list ko dahil lang sa 6k na utang na 1 day before due date! ayoko na silang bayaran dahil napahiya na din ako sa mga friends ko. may same experience po ba? pls see comment ng text messages nila.

share ko langggg. OD ako sa TALA for 17 days na. minessage ko na sila sa tala app regarding sa di ko muna sila mababayaran since madami nako utang sa mga OLA. ambait nung agent na nakausap ko. one-time 5% late fee lang sila. naunawaan daw nila sitwasyon ko, thankful pa sila kasi nag reachout ako sakanila regarding sa OD ko. naka note na raw sa account ko na di ako makakabayad agad, tuloy lang daw ang tawag at reminder ng tala collections dept. wala raw silang HV or di sila nag iinvolve ng barangays sa collection process nila, di rin sila natawag ng contacts or reference numbers na binigay ko. kasi "they are treating all customers with professionalism and respect". KAYA PAG NAGKAPERA AKO NG MALAKI-LAKI, ETO UUNAHIN KONG BAYARAN. grabe ang customer service nila, ako nalang talaga ang nahiya HUHUHU.

buti din halos lahat ng OD ko sa OLA, mga legit. may billease, tala, mabilis cash, happy cash, cashalo, spaylater, spay loan.

medyo off lang ako sa mga natawag sa contact reference ko (cashalo, mabilis cash, spayloan) pinsan at friend ko pa naman yon nakakastress huhu. sana hindi tumawag sa company ko nakakaloka.

ayun lang, kaya natin to guys! kapit lang, makakaahon din tayo!

LOAN DUSTS TO EVERYONE! HUHU

hello! If I pay the full amount of my grab loan, will I be granted another loan? I don’t have any bad record with grab loans. thank you in advance!

Hi po! I just wanted to know if meron po ba dito nakapag loan sa CasMum na naging overdue. I have 2 active loan accounts which amount to around ₱37k total. I have already reached out to their customer service via email and was given a discounted rate to close the accounts but I wasn’t able to pay it on time kasi they only gave me 1 day to settle. They emailed me around noon and I work nightshift so gabi ko na nabasa. Today, they texted me saying they have assigned a collection agent to my account and for possible home visit na daw.

Tanong lang po sa mga may active loans sa CashMum if totoo ba ang home visit? Or is this just another form of harassment?

Hi 37F.

Ang daming nagtatanong sa akin kung PAANO at SAAN daw magrereport. Kwento ko lang experience KO... Actually 2 OLAs ang nireport ko na HINARASS ako sa text kahit hindi ko pa due. Bago pa lang ako sa OLa non. and takot na takot tlaga ako pero tiniis ko ung pananakot nila hanggang sa 2 days after my due date tumawag na sila sa NON ref ko kaya nireport ko na sila... Ito ung process at ginawa ko. BASED PO ITO SA EXPERIENCE KO HA.

1. Nag gawa ako ng personal email / message ko sakanila. Sinabi ko na ginugulo ako nitong OLA na to chuchuchu. Dito ko sinend:

crd@nbi.gov.ph acg@pnp.gov.ph pnpacgcfcu@gmail.com epd@sec.gov.ph flcd_complaints@sec.gov.ph report@cicc.gov.ph cgfd_enforcement@sec.gov.ph complaints@privacy.gov.ph paocc.operation@op.gov.ph e_sumbong@pnp.gov.ph onlinelendingcomplaints2025@gmail.com

2. Nagreply dyan agad yung: Onlinelending complaints na eadd... Hiningi na LAHAT ng details. Like SS, vids, messages, kung nangulo sa friends and family pati ss ng msgs sknla and calls etc and i-aadvise ka din mag accomplish ng Google form. (may link na ibibigay).

3. Second na ngreply dyan is ung report chuchu.. Mas marami ng details ang hinihingi.. actually same lang sila nung una ngreply pero mas detelyado ung hinihinging info nito. Mas matrabho kasi isususlat mo yung nos ng call and text logs mo (dto sumakit kamay ko hahha sa dami ng tumtwag sa no ko non) send ss, etc. Madami. Pero tyagain nyo lang kasi nagreply to agad sa akin. Pagreply sa akin may Complaint No na agad. So aun. Medyo nakahinga na ko nito non kasi may ticket no na kumbaga.

4. 3rd na nagreply ung epd at complaints chuchu... Hindi ko na nareplayan ung email nila. Parang nakampante na ko dun sa dalawang nasendan ko. So nadeadma ko na ung email nito dalawa.

5. And last... and pinaka msarap sa feeling ung reply ng CICC. Naka undergoing process chuchu na daw ung complaint ko. and meron pa mga nakasulat don na mga dapat mo gawin for your protection and safety so sinunod ko lang yun. Yung reply nito nagbigay saken ng lakas ng loob.

Sa unang email ko pa lang naka CC DYAN ung dalawang OLas na nangharass saken pero inalis nila. PERO AFTER ko magreport hindi na sila nagparamdam sa akin. As in ZERO. wala ng texts, calls or emails. Ilang buwan na nakalipas pero wala na talaga sila paramdam baka nabura na ko sa isipan nila. (sana) Hahaha!

Nagreport din ako sa forms-receipts-noreply@google.com Pinagfill up ako ng Imessage Portal chuchu... Meron don pipiliin mo ung OLa name and isususlat mo ung complaint mo.

KAYA MAGREPORT KAYO. TYAGAIN mo OP! :) Kung hindi mo gagawin ngayon, kailan pa? Kaya kilos na. Goodmorning!

OD s spaylater and sloan 3months na, meron din akong atome OD cash and card tpos my nareciv akong txt msg n ganito dpt b kong matakot oh cla ang dapat matakot charot, anyone n nkareciv n ng ganitong txt msg?

I turned off my simcard tapos I open to see if may calls and text ba na marami since overdue na ,weird kasi walang text or calls 🤔

Hi po 3mos OD sa spay and sloan , been receiving calls pero naka block sila and text for followups from gcss and bernales.nagbayad po ako partially last month as agreed kay gcss ng 3k then partially sa sloan ng kung ano kaya ko lang since pede edit ung amount. Then this month may extra ulit ako but since ayaw ko na kausapin si collectors so nag chat ako sa cs ng shopee if i can pay again partially. Advise is may magcall sakin pero since naka block mga unknown numbers sakin so di ko sinasagot. Then i checked spaylater pede ko na i edit ung amount so i paid 3k again then sa sloan naman binayaran ko ung isang due ko.

Spay: 10k + 1600 due next month
Sloan:12k + 1300 due next month

Today i received texts from BBSPI (maybe new 3rd party collection) na normal reminder lang pero may separate text na ganito:

IMMEDIATE LEGAL VERIFICATION: Dahil hindi ka makontak, ire-verify na ng aming Legal Field Unit ang iyong employment status sa HR Department / Company mo para sa formal Subpoena Coordination at potential Salary Deduction Directives. Huwag mo nang paabuting ma-alarm ang kumpanya mo at maapektuhan ang trabaho mo. Mag-settle at mag-send ng proof TODAY.

From: +63 963 209 0850

I know pananakot lang nila ito hahahaha pero anyone na may naka received din ng ganitong “pananakot na template”? Para ma report if under ni BBSPI ito?

Nakaka stress. Huhu

1. Nag order ako sa shopee ng samsung ref na nagkakahalagang 14k tas after 2weeks kinancel nung seller. Wala silang abiso na icacancel nila yung order ko at di sila nagrereply sa mga pm ko sakanila. ang nakalagay sa status refunded na daw dun sa bank card na ginamit ko which is ATOME ko. PERO WALA PARIN

2. Isa pa nag order ako ng xiaomi TV na nagkakahalagang 22k tas nung dineliver may damage yung item basag ang LCD. I have proof naman na unboxing hanggang sa iopen ang TV. Manila to davao kasi ang deliver. tas nung nirequest ko sya na return and refund. for approval pa ng shopee (under investigate daw) gamit rin ang ATOME ko sa pambayad neto.

3. Nasa SOA ko na yung dalawang yan sa ATOME ko. na i stress ako kasi need na isettle this week yung sa billing ko.

E paano ko nga i se settle kung yung almost 34k na i swipe ko sa atome ko ay hindi ko pa narerefund. pero kasama na sa billing which is almost 64k ang bill ko.

Ang iniisip ko baka yung sa 14k ay pumasok this week pero yung TV hindi kasi ang process daw ng shopee sa return refund at need muna makabalik s aseller yung item bago nila i pprocess yung sa refund e paano kung may time frame rin yun.

Nakipag usap naman nako sa Live agent ng Shopee pati sa seller. pero may time frame daw kasi ang lahat. Nag contact us na rin ako sa ATOME kaso hinihintay ko pa yung email nila (wala sila live agnent na pwede kausapin lagi pag emergency)

Ang inaano ko mag due date nako pero di ko nga mabayaran yung bill ko sa ATOME kasi nga baka naman pag binayaran ko yung bill ko bigla nilang (shopee) irefund yung 34k ko dun sa ATOME ko.

Hindi ko na talaga alam kung ano gagawin ko kasi ang laking halaga nun. Tas ayoko masira sa atome. gusto ko mag explain sakanila pero di naman sila nag rereply.

PLS HELP HUHU THANKYOUUUUUUUUUUU

I have a lot of on going loans and cc debt and failed to pay all of them lalo na this month kasi ang daming emergency na need ng cash + the past few months na sobrang mahal ng kuryente :( what should I prioritize paying off?
Atome card - grabe harassment ng calls pati reference deadma ko lang per posts here pero ang hirap naka airplane mode palagi :(

Atome cash
Sloan
Spay later
Laz fast cash
Laz pay later
Bdo credit card- longest OD ko na to :(
Bpi CC

Should I prioritize paying off trad banks first? Nabbother kasi ako sa panggulo ng atome every single day calls and text blast. I emailed them but they only offered me a restructuring plan that turns my debt into 100 k + ang layo from my principal amount. Sorry sobrang frozen ko na at di makapagisip ng maayos. Please help me make a logical decision, as much as I want to build an emergency fund first parang nasasakal naman ako sa amount of calls and texts na ginagawa nila.

eto na. nag start na ang moneycat calls at every minute ata ang text😌🥺 3days od here. kayo po ano mga ginawa nyo nung na od po kayo sakanila. any tip/advise po. wala pa po kasi ako pambayad😢

Finally closed mabilis cash and trylimit 😭 medyo Malaki pa yung total amount and marami pa yung OLAs na to pero it feels so good. Yung sa Ibang apps, nakausap ko na at humihingi Ako ng extension dahil Hindi ko kayang bayadan lahat sa Isang bagsakan lang, since kakasimula ko lang sa bago Kong trabaho. Buti nalang napapakiusapan ko sila and calls and text lang Yung narereceieve ko.

27F | CIMB | Outstanding balance ~₱100k

Hello po. I have an outstanding CIMB Revi Credit balance of around ₱100k. Two times na rin po nagkaroon ng home visit, pero wala pa talaga akong capacity to pay the full amount right now.

May naka-receive na rin po akong Demand Letter from The Law Office of Atty. Roberto B. Ultado and Associates. Legit po ba sila? May naka-experience na rin po ba dito ng similar situation?

Nagbabayad naman po ako paunti-unti whenever I can. Hindi nga lang po kalakihan yung payments. May payment din po ako nitong August, pero sinabi nila na hindi raw enough.

During our call, they offered an installment arrangement of ₱10,000, supposedly for holding the account, pero honestly hindi ko po talaga kayang mag-commit ng ₱10k right now. May iba rin po akong financial obligations na binabayaran, kaya ginagawa ko muna yung debt snowball method para matapos ko isa-isa at eventually mas malaki ang ma-allocate ko sa CIMB.

Ang concern ko rin po is yung Demand Letter. Nung dine-deliver po ito, sinabi ng delivery rider sa guard namin na may demand letter ako from CIMB, and eventually kumalat po sa subdivision. Sobrang nakakahiya po at naging reason na ayoko nang lumabas or umalis ng bahay dahil baka malaman ng ibang tao yung financial situation ko.

After receiving the demand letter, tumawag agad po ako sa kanila and requested na i-send sa email ko yung copy/letter para may proper documentation ako. Sinabi nilang isesend nila, pero until now wala pa rin po akong natatanggap.

Ngayon po, hindi ko na alam kung ano ang best gawin. Hindi naman po ako refusing to pay. Nagbabayad po ako according to what I can currently afford, pero hindi talaga kaya ang ₱10k installment.

May naka-experience na po ba dito ng CIMB/RGS collection, home visit, or demand letter from Atty. Roberto B. Ultado and Associates? Ano po yung ginawa ninyo, and paano ninyo na-handle yung payment arrangement?

Thank you po sa makakapag-share ng experience or advice.

Hi 35 F. Ano po OD experience niyo po sa kanila? Hindi lase sila nagrereply sa emails ko for payment reconstructure. Natatakot na ko. Days palang naman OD ko pero nag ooverthink na ko.

>!Ganito din pa sainyo si Maya?!<

0950-136-8730

“GIGISING KA BUKAS NG UMAGA NA PINAG UUSAPAN KA NG MGA KAPIT BAHAY, TADTAD NG COMMENT ANG FACEBOOK DAHIL SIKAT KANA BILANG SCAMMER BAKA AKALA MO HAHAYAAN KITANG MATULOG NG MAHIMBING? WALANG HIYA KA! IDILAT MO MGA MATA MO SA GABI KITA IPOPOST BILANG SCAMMER PARA MAS MARAMING MAKAKITA AT MAKAPAG SHARE. UTANG UTANG HINDI MARUNONG MAGBAYAD TAPOS KA NGAYON!”

Hi. Just want to know, ano pwede gawin if maka rcv na ng physical demand letter from atome.? They are requiring me to pay within 5 days. I dont have enough money to pay yun 11k. I think im 2 months OD.

Currently in need Ako and nakapag search Ako Kay uno. Medyo mataas ang interest. Pero pagka compute ko now. Sakto lang. Help. Takot din Ako sa Home vist for additional Context lang hahaha pero mas kailangan ko Ng Pera now. Helppppp see comment for reference