r/ola_harassment

F23. Sa edad kong ito dapat ineenjoy ko palang yung kabataan ko eh. Pero heto ako lubog sa utang, ang hirap maging mahirap. Even on my own family, hindi ako makahingi ng tulong kasi sakin lang din sila umaasa.

Naging hobby ko na ang magbasa basa dito para kahit papano maibsan man lang yung dinaramdam ko. Wala akong mapagsabihan. Ayoko ko ding sabihan sa friends ko or even sa bf ko, ayaw kong madisappoint sila sa akin.

May mga times na gusto ko nalang mawala. Sana may reset button ang life. I want to start over but at the same time I want to end it. Napapagod na po ako. Yung feeling na buhay kapa pero deep inside durog na durog na.

Matalino naman akong tao eh pero bakit ako napunta sa ganito?

• 1 month OD sa Mega Peso - 46k principal
• Due this July sa Ft Lending - 3,500 principal
• Due this July sa Pesoloan - 6,000 principal

I tried looking for part-time jobs pero no luck talaga even sa mga scholarships.

Hay, ang hirap maging mahirap.

I just received an email from tiktok.officer.ph. They are demanding me to pay yung balance ko na ₱3,063.79, gusto ko makipag ugnayan with them kaso I don't trust the email eh. Baka pag nag email ako to ask for leniency sa payment or if pwede they can extend the date given hindi naman mabawas din yung bayad ko.

Cash express- 50k principal, 86k+ and counting now. More on text, emails and viber. There is a discount being offered but I don't know if it will be deducted from the principal or just a prolongation so I'm not paying attention to it because I really don't have anything to pay yet.

Finbro- 50k principal, I don't know how much it is now, I didn't look at it but I remember before it was due it was 77k including interest. They are also offering a promo discount. Same with Cash express but I'm not sure if it's the minimum repayment. They still haven't replied because I don't have anything to pay yet

Honeyloan- 20k principal, it's 40k+ now. I emailed that I'm struggling financially now, and they wouldn't agree to give a discount. They blast calls and texts every time I turn on my sim/data.

Tekcash-40k principal. I don't know how much it is now, I don't open the app because it requires access location. I'm also off sim so I don't know if there is a threat. As long as they are very active and don't charge before I turn off sim.

Fido ph- 4k principal.. I don't know how much it is but I know it's not that big compared to others who charge a penalty.

Pesoloan- 28k principal 4mos installment, I've only paid 9800+ 2x, I emailed them but they said they wouldn't offer a discount.

Cashify- 7k principal, I'm off sim but they replied to me in the email though, they didn't offer a discount either.

MrCash- 15k installment x3, 2 accounts. Pinaka active sa call and text like every second ata. 🫩

Mocamoca- 2k principal. I messaged them on their app and they were ok to chat with. He just said that the interest will accumulate if I don't pay, I don't know if there are any harassments because I'm off sim

Mocasa- 7500 principal, 3x 3k/installment. 2days OD. Only less than 100 interest added upon checking.

Ft lending- I have a 20k multiple loan account.. I don't know how much it is now, the text blast and calls are so bad.

Moneycat- 10k principal.. 1st installment is now 8k. Only 5700x2 dpat. Very active in email and text.

Big loan/easy borrow- 2k (paid) don't try this. I just received a threat of posting on fb and can't text.

Megapeso-50k principal, dko na alam magkano. Off sim ako pero once i open sim dami texts

Xklash- 7000 principal, 2x 4500/installment I have one payment.. I am due in 2 days for the last installment. I am off sim so I am not sure if there is harassment, but I have not had any experience since off sim.

OLP- 17k principal, I do not know how much but I should get 22k back in 15 days. I have been OD for more than 2 weeks, I do not know if there is harassment since I was off sim but before I went off sim, they are humane in charging based on my past experience from them. I did email them but they said they did not offer any discount.

Cashalo- 4500 principal, 4 days OD, they have not charged any interest as of now. Off sim.

I still have Atome, Skyro, Maya Credit, Gloan, GCredit, they are just small but I can't pay them. I know my situation is really bad. Depression is real. Like, I miss the old me who didn't have this kind of debt. And I always cry in my situation. But as of now, I'm just surviving everyday to live for my kids. Prayer is the only thing I can hold on to.. whatever they do, if they do a home visit, I'll accept it and deal with it if that's what's needed but I really can't pay anything anymore. All of that just became a cover and all the money went around to them, if you think about it, I didn't benefit from it. 😭😭😭😭

Sa mga nakatapos na ng loan kay Cash Express, how were you able to finish it? Binayaran nyo na lang ba in full?

Grabe ang lala. I only loaned 2k tapos nung nakita ko yung payment breakdown, aabot pa ng November yung babayaran ko, at every month, 1070 ang due ko sa kanila. Nauga ako don sis

Wag kayo papatinag sa mga OLA na toh lalo na kapag kayo yung nasa tama, Yes may Utang kayo pero hindi yun dahilan para sirain nila ang pag katao nio, Protect your mental health gais. I report nio sa SEC pls tiyagain nio mag report di lng toh for your own needs para sa lahat toh na nabibiktima ng mga LOAN sharks

Hi guys, I need your help. I keep receiving threats and harassment in XLKash. I was a good payer naman before pero may ng scam sa business ko and medyo tight cash flow ko as of now. I’ve already paid too much sa kanila dahil sa taas ng interest nila and grabe sila mangharass now. Grabe din lahat ng pananakot. 1 DAY OVERDUE PALANG AKO!! sobrang hindi makatao tong Illegal OLA na to. anyone may OD sa kanila? how do you handle these? I’m trying to communicate pero grabe system generated messages nila :(((

Nagffield visit ba loadcash?

Hi, nag email po ako sa MocaMoca for loan reconstruction. And they finally agreed after I included in the CC yung mga authorities. Hindi ko alam kung anu yung gagawin ko dito sa request nila.

Should I email the authorities to withdraw my complaint?

Ito po yung reply nila:

Dear Customer,

Good day,

Thank you for accepting the loan restructuring terms. We confirm that your request is approved, and we are happy to move forward with this agreed arrangement.

Please be assured that no collector will be assigned to your account, and we will stop all calls to your number and your references immediately while this agreement is in place. All communication will be done via email as you requested. Your case is now formally marked as resolved under this plan.

To fully finalize and close the matter, may we kindly ask you to:

Withdraw your complaint filed with the relevant authorities, as they have already been notified of this resolution.

Send a follow-up email confirming this agreement, and copy both the concerned authorities and our official company email so we can properly document and close your case in all records.

Thank you once again for your cooperation. We look forward to your confirmation.

My biggest regret of not shooting it that's so crazy!!

so today me and my friend went to ola showroom located in memnagar with interest of buying ola, we be like lets check what the features , range and others. we go only 3-4 staff members are there and else customers. NO welcome nothing and we are told to sit down and after a guy came sit beside us and starting to explain and after all inquiry we asked for ride and that's smooth till now

Then we asked to ride Ola s1 pro+ that they denied and say no that's not for ride you have to buy it for that , seriously who gonna pay for 1.70 lakh without test and we insisted but they denied so we go inside to check that model how it looks like and what's the features.

Now comes the funny plot twist beside that model there is a table filled with 3-4 peoples and in corner there was an uncle waving at my friend like denying it and then i looked at uncle and uncle's hand gestures be like "No no not this go " first after seeing that we laughed like hell
and after seeing uncle's expression we can not control our laugh and went outside(I'm still laughing while writing this).uncle came outside and told us directly that don't buy this shit.

After that we asked what happened he be like wait let that sales guy go away and i told you if he listen then he not service my scooter ,In a minute uncle started his 15 minutes of biography on ola Uncle told that his ola s1 pro is in service center for 8 months i'll be like what the hell!! seriously uncle? then uncle showed us his documents that all complaints emails and other stuff

After that uncle told us that he is reporter he even publish the news article of his scooter and Even filed FIR. The amount of bad words are coming from his mouth i=even his wife next her is next level after all in anger he even pointed that sales guy that now come next to us and uncle told that this guy sold me that piece of shit. While me and me friend are Laugh our guts out!!

And after listening to the pain of uncle we dropped the plan of buying ola.
uncle showed us reality in service center of ola in sarkhej there are thousand of ola just eating dust.

so guys if you got one how's life going with ola and other Ev's

BTW my first contribution on reddit don't judge!!peace out!!

Hi. I'm asking for advice, not lectures po. I know I made mistakes, and I'm trying to find solutions.
Most of these loans happened because of the tapal system. My mother kept asking me to take out loans for her. I know I should've said no, but she would cry, tell me that we didn't understand how heavy everything was for her, and sometimes even say that we might just see her hanging herself if no one helped.
When I was still a minor, she would even bring me with her as a co-borrower and have me sign papers. Looking back, I know I should've set boundaries, but I genuinely thought I was helping.

The biggest mistake I made was offering her the first OLA I got approved for (SLoan). I hoped it would stop her from borrowing from other lenders. Instead, it only got worse, and eventually I ended up taking more loans just to keep up with the cycle.
Right now, I'm around ₱460k in debt. A huge portion of the money never went to me—I didn't use it for shopping, gambling, or luxuries. It was mostly used to pay previous loans.
My priority right now is TikTok Loan and BillEase because I'm scared they might contact the people in my phone.

I'm currently earning minimum wage, so I honestly don't see a way out if I stay here. My plan is to apply through agencies for work abroad, even as a factory worker, because I think that's the fastest realistic way for me to earn enough to pay everything off.

I have a few questions:

1. If you were in my position, would you focus on getting a job abroad first before aggressively paying the loans?

2. Which debts would you prioritize?

3.Has anyone here recovered from this much debt while earning a regular salary or working abroad?

4.Any advice on dealing with collections while preparing to leave the Philippines?

here are my loans:

gloan

9,700 loan— 1,232.33 — 2/12 every 6th
5,000 loan — 616.17 — 1/12 every 8th
5,000 loan— 1,057.83 — 0/6 every 12th

sloan
6,000 loan — 1,309.99 —4/6 every 13th (2 months overdue)
20,000 — loan — 2,696.75 — 3/12 every 29th (3 months overdue)
9,500 loan— 1,280.91 — 2/12 every 3rd (3 months overdue)
7,300 loan— 984.28 — 1/12 every 10th (2 months overdue)

spaylater
8,324.79 — 3 months overdue

billease
6,000 loan — 1,567.04 — 0/6 — every 23rd

tiktok loan
15,000 loan — 5,750 — 0/3 — every 16th

mayacredit
20,624

home credit

70,000 loan — 3,835.00 — 8/30 — every 28th
101,000 loan — 5,787.00 — 2/36 — every 14th

from an acquaintance
25k— with 15% interest every month and for 6 months only. no payment has been made

Please be kind. I know I made bad decisions, and I take responsibility for signing the loans. I'm just trying to find the best way to get out of this without making things worse.

OD na ako sa lahat ng OLA ko. Last June 27 may nagtext sakin na okay na daw ba ang order ko amounting 2590? Late ko na nakita kasi nasa spam texts ko. Tapos today 2:40pm may nagtext na delivery rider na for delivery na daw po ang parcel amounting same amount. Wala naman akong parcel na na order.

May ganito po ba kayong experience?
OD ako sa ganitong OLAS
Mr. Cash
Billease
JH
Mega Peso
Gloan
Shoppeepay (500 nalang)

Hi female 37. Due ko today sa bigloan pero grabeng harassment nakukuha ko since yesterday yung calls.
Tapos puro threat yung text messages. 2k ang inutang ko 1200 lang na receive ko for only 7 days. Balak ko silang bayaran but not now wala pang funds.

Totoo kaya nagpo post sila sa mga barangay pages and buy and sell? May same ba ng experience dito?

Gsto ko silang ireport. Baka pwede nyo icomment yung mga email na dapat kong i cc para makapag file ng report.?

29F, hi, just need your advice everyone, as a breadwinner and a average I can't catch up the multiple dues payment and I want to stop doing the patching/tapal system, it leads me drown deeper to debt which I am has gotten worse, stress and I can't even concentrate. Can you please advise me what to do, your advice is much appreciated.

I got loaned from this bank and Olas

CIMB - 175k (interest included) OD for 5 days

Skyro- 96k (interest included) OD for 5 days

Juan hand- 82k(interest included) due on a July 7

Money Cat- 19500 now accumulated to 31864 due to penalty, due last May 28

Tala- 17600- due on July 15

Gcash loan- 13800- (interest included) due on July 11

Ft lending - 9500k due yesterday and they're sending threat messages like they will contact or post me and connect with Pag big,SSS and Philhealth

Peramoo - 32500 due today. And receive threat to if not they contact my contact list or family or colleagues

Aquitances -75k due every 15th)

I really don't know what to do, I don't have any vices but due to the tapal system and I continuously send money to my parents because they're old, helping my siblings now I got drowned in debt. I can't talk to them either with my situation. Give me some advice please. I'm down right now though I read some confessions here too but stil my anxiety, stress and overthinking attacks me.

Should I send them an email? what about HV and if it's submitted to the third party will I get jailed for this? I'm planning to pay them because it's my responsibility but now I just can't because I don't have money to pay anymore and sincerely wanted to stop the patching system.

Please advice me,🥺🥺🥺🙏

PERANYO WEBSITE (IOS)

Help, sino may experience dito kay peranyo, triny kolang iclick yung website and naka login agad ako, then nag auto disbursed ng loan 3K pero 1600 lang na receive ko, payable ng 7 days. Wala naman akong pinasang valid ids and information ko. Pano kaya ibalik to sa kanila? Salamat sa sasagot🙏🏻

Ive had debt from OLA's for the past year or so, and Ive just been ignoring their calls, texts, etc. Alam ko naman na they cant really do anything other than file a civil case against me, bat naprepressure kayo?

Kamusta Mr. Cash android niyo sa may mga OD?

Hello. Magtatanong lang if meron dito OD na from spay&sloan na na-HV and from Cavite? Around Dasma or Trece, magkaiba kasi receive address ko sa ID address ko and may nabasa ako here na they were told pupuntahan both address kung sakali if magkaiba.

For context kaka-2 months OD ko palang (nasa 12k+ spay then 6k+ sloan), I asked shopee cs before for partial pero di pumayag. Nagkasabay sabay lang kasi talaga, nawalan trabaho tapos nagka blood parasitism pa all my three dogs and mas inuna ko sila (until now under meds padin yung isa)

I'll pay naman pero hindi pa talaga kaya ngayon :(

Ano experience nyo ? Palagi nalang rejected tapos sabihin apply after 5 days , 7 days , and borrow again after July 4th and today rejected again may experience ba kayo?

Hello! Is it okay na i-OD muna yung atome ko since ayoko na po sana talaga mag tapal system just to pay it.

Aside from them spam calling you, do they call ur reference contact too? And totoo po ba na they also call other people from your contacts na di mo naman nilagay sa reference? How do I avoid that if it's possible?

Please ayoko na po magtapal system. I can pay for my other debts this month pero di talaga kaya sa atome. Rejected po ako sa ibang banks for personal loan, wala ring feedbacks from others.

I only have utang sa SpayLater and atome pero mejo malalaki the amount at hindi ko talaga kaya muna for now yung atome. I wanna stop tapal system pero takot ako sa harassment for me and my contacts kaya naiisip ko pa rin mangutang na naman to pay it off. Please badly need your advice po thanks

Anyone naka experience mapost nitong OLP na ito? Ilan month OD bago napost? And magkano principal ninyo? And ano yung nag ipost sa about sa jnyo?