r/ola_harassment

Hi guys, trust me, we are all in the same boat and YOU ARE NOT ALONE. ❤️

Posting this as a reminder not to let illegal OLA harassment affect you too much mentally.

What’s the worst that can happen? They might threaten to post you on Facebook? Make your social media private or temporarily deactivate if it gives you peace of mind. Flooding you with calls and texts? Block the numbers and, if necessary, consider changing your SIM.

Most importantly, document everything—screenshots, threats, messages, and any unauthorized contact with your friends or family. Contacting people in your contact list who were not declared guarantors for debt collection is prohibited under NPC rules.
Don’t panic just because they are threatening you. Legitimate debt collection is different from harassment, intimidation, shaming, or unauthorized disclosure of your information.

We are not running away from our responsibilities. If we don’t have the capacity to pay right now, we deal with what we can and negotiate when we have the means. Keep records, protect your privacy, and report abusive collection practices when necessary. The SEC accepts complaints against covered lending/financing companies and OLAs through its complaint process.

And please remember: your debt does NOT define you. ❤️
Hustle lang tayo. One day at a time. Makakaahon din tayo lahat.
Rooting for everyone here. Kaya natin ’to! 🫶

hello po, meron din ba may overdue loan kay maya for over 1 year? meron kasi ako overdue loan sakanila na worth 4k pero i think umabot na siya ng 7k ngayon. meron na akong tadtad na texts, calls and emails na nare-receive before but they stopped eventually. i think napasa na rin siya sa ibang collector but idk what happened na pero may mga nare-receive pa rin akong calls at text reminder paminsan-minsan from maya. may possibility ba na mag stop na sila mag reach out sakin at hayaan na lang? 🥹

"may nag message sakin.

Desidido kana itakbo yang inutang mo sa company namin? alam mo ba magiging consequence, tandaan mo di kami nag kulang na papalala sayo ng inutang mo! Kung gusto mo na hindi matawagan lahat ng contacts mo mga kamag-anak kaibigan at katrabaho sa facebook mo

Magbayad ka!

Wag mong baliwalain to

hindi kami nakikipag biruan sayo MAPAPAHIYA KA!!"

NANANAKOT!!! ano gagawin ko kung wala oa talaga ako pambayad?

ang natitira ko pang apps dito na may OD ko pa, MAYA(Credit&Cash), ATOME(card&cash), MEGAPESO, FT LENDING, MABILISCASH. pero pakiramdam ko Atome or Maya to. rereplyan ko ba? kung ko ano kaya irereply ko? 🥹

Hi, I just made the decision to stop tapal method and only pay the debt that I can. However, while drafting email to inform the apps/companies that I will not be able to pay on time or I will have a difficulty in paying, I feel fear and anxiety.

I haven't send the email yet sa apps na madedelay ako ng bayad since I am planning to send it closer sa due dates. ALSO, I AM STILL PLANNING TO PAY THEM EVENTUALLY AT HINDI KO TATAKBUHAN.

Natatakot ako na baka malaman ng ibang tao, family and even sa work, maharass through text, calls and even email, mapost publicly sa socmed, and especially magkaroon ng bad records which can make it difficult na magborrow incase of emergency lalo na senior na parents ko.

I know I made bad decisions and I am paying the consequences of that, pero I am still praying na one day magstop to. I am trying not to look sad outside kasi people will feel something is wrong. I feel tired and sluggish just even thinking of the due dates na incoming.

There are even times na I imagine if madedo ako, tapos na yung feeling na to but I am fighting that feeling bec. I love living and being surrounded by the people I love.

I just know that there will still people na sasabihin na kasalanan ko to kasi utang ako ng utang, or living beyond the means ako, masasabi ko lang is I know, no need na ipamukha pa sakin or to the people experiencing similar. Either wala talaga kayong empathy, agents kayo, or bored lang kayo.

I will try to deadma any harassment calls or text in the future but thinking of receiving them is still scary and give me anxiety.

And I know din na if ever collection agents give dead threats, call other people beside reference contact, or harass ng sobra to the point of public shaming, is to inform govt. agencies and don't pay muna. Kaso I fear that some of these apps report to CICC kaya despite these fear of threats I still plan to pay them.

Sorry sa long post. To people na experiencing similar or just finished this situation of their life, ano advise niyo please.

Anyone here naka experience ng harassment kay unacash. Sa 8 pa due ko pero grabe na sila mang harass tapos hindi ko na din mahanap sa app store.

I just got scammed by someone from Reddit. I posted about my loans here and someone PMed me saying he knows someone who is from BSP and does the work for you but he can only be messaged on Discord.

So I spoke with that guy on Discord, because the one who suggested him told me I needed to tell him my story on why my loans ballooned to around 590k, and not to mention anything about gambling because it won't get approved. I didn't loan to gamble, I loaned because I was a breadwinner and it was for my family.

He told me he can close all of my loan app accounts by just letting me file for bankrupty but I had to pay up an amount for those loan apps to be closed. He was asking first if I had a bank loan, I said no. So he suggested he has a BPI loan of 250k. But then he asked what bank I have, I told him only UB. So he asked me if UB provided a loan for me to which I did receive an email that they were offering a bank loan for ₱106,300.

Mind you, I know you will judge me but I was TOO desperate to just stop the tapal system and be debt-free. So I loaned it and paid him ₱87,400 first. I was shocked why he needed that big amount of money but what I was thinking was just to be debt-free not knowing I was already being scammed.

He didn't reply for an hour because he said he needs to "take a bath", my mom went to my room and I just cried because I got scammed. So this is where the shit gets more serious and me getting more stupid 😭, he actually called me back and told me he just took a bath and need another $10,747 to finish the application process. I know this was stupid, but I sent it to him again. And now he does not reply anymore.

LESSONS LEARNED:

NEVER EVER TRUST ANYONE.

STOP WHEN THEY ASK FOR MONEY.

IF THEY ARE IN A HURRY, IT MEANS THEY WANT YOU TO BE RATTLED AND TO PROVIDE THEM THE MONEY THEY NEED FAST.

I know I'm stupid for just wanting to be debt-free, but instead I only added another BIG loan due to being desperate of just stopping the tapal system. I'm not proud of what happened. It got me depressed even more.

Want a name drop?
His name is mr.putin3111 on Discord. On Reddit, the person who suggested it was ProfessionalKey2041.

He gave his real name and cellphone number too which are:
Jeffrey Delos Santos
0970-383-7219

I believe all of them are just the same person.

SO BEWARE. NEVER BE VULNERABLE ESPECIALLY WHEN YOU'RE DESPERATE ENOUGH TO FINISH YOUR LOANS OR TO STOP TAPAL SYSTEM.