Hi guys, would like to ask if this is true? i cant pay my outstanding to them since kakastart ko lang ng work and mas marami akong need ipriority sa ngayon, then suddenly OLP emailed me this, any comments and insights are open but no judgement sana, salamat.
Hello, i currently have three ccs na maxed out. Bpi, metro, and eastwest.
Question: has anyone tried to have their cc restructured para hindi mabigat yung monthly. I also have gcash and shoppee to pay dn kasi.
Hello po meron po ba na may personal loan dito sa cimb? 9 mos na po akong od kanina po may nagpunta sa bahay/baranggay for address verification tapos po may pinakita silang text kay ate eto po yung text
From: NEPPO
To: name ko
“This is to inform you that we will be conducting an operation Bench Warrant against you and Writ of Execution together with Court Sheriff for Police Assistance and Barangay Staff of your resident area at your resident add held on (add po namin)concerning your pending case under Article 315-318 the Revised Penal Code, as well as Republic Act 8484.
We advise you to anticipate this situation and request that you will contact us as soon as possible upon receiving this message.
Please call 0997-189-5700 for further details.
Thank you for your immediate attention.”
then po babalik raw po sila bukas para sa letter ng arrest warrant.
may ganun po ba talaga? salamat po
Looking for an agent that can assist with a personal loan. Willing to give commission once loan proceeds is disbursed. 1 year employed in current job 72,500 basic salary. Also has a freelance 30k per month can provide paypal monthly statements.
Rejected in BPI and PSbank.
Hi, I feel completely helpless and overwhelmed by my debts.i have monthly salary 18k. 5k fixed na sya for bills and needs ko and the rest napupunta na sa pag bayad utang. For the past 8 months ganito routine ko. Para tumaas sahod ko mag day off lang ako isang araw per cut off and it made me feel even more lost rn. I’m scared that no matter how hard I try, I won’t be able to recover from this situation.
I’m scared that my debts might be posted on social media or that someone might come to my home address, and I’ve been carrying this alone because I’m the only one who knows about my debts. I feel overwhelmed and ashamed, and it’s making me feel helpless, but I’m still trying to find a way to fix everything and ask for help before I completely give up. I know I learned my lesson the hard way, and now I’m trying to face the consequences and make things right.
I truly want to fix my finances and become stable again, but right now I need guidance. Last year i had 150k debts
But some i already paid.
My remaining debts
Gloan 1 : 3,282
Gloan 2: 3,386
Maya loan: 11,400
Home credit: 8500 (overdue 6 months)
Bdo credit: 60k ( nasa CA na)
Hii ask lang po if possible pa rin ba ma approve for personal loan? For debt consolidation sana. Asking amount lang is 70k. 50k/month & 5 years na ko sa company.
Maxed out na rin kasi yung credit card ko & I think cancelled na sya… pls helpp
Hello everyone, this community has been my coping mechanism since I started to stop Tapal System last month. Now I have a total of 37k OD and total of 110k debt. Last month I have a total of 150k. It's a small progress yet it was lighter na sa pakiramdam. Though I am still bombarded with calls and messages telling me that a field officer will visit my residential address. Wala akong magagawa. I am now committed with my plan. I am using the Snowball method. I have various due dates every month. I limited my monthly repayment to 10k since that is all I can allocate to loan repayment. I let the balances na ma od. I need money to survive para di na umutang ulit.
My mistake before stoppng: I pay everything I earn monthly and reloan for my needs which is veryvery wrong. From 30k total naging 150k dahil sa tapal ng tapal. Kaya wag niyo po gagayahin.
Lesson: Learn to prioritize your budget for a month(as tight as possible) and allocate an amount for your savings first bago ka magbayad ng utang. Minsan kailangan nating tiisin yung mga bagay na gusto natin para makamit natin yung ginahawa sa huli. Downgrade your lifestyle to minimize your expences and have more extra money to pay loans.
Rule: No reloan. If na short talaga na as in no choice, better umutang sa tao ng tama lang hindi sobra. Yung mababayaran mo pag nagkapera ka ulit. Pero as much as possible minimize reloaning kahit pa sa tao. That way you'll learn self discipline.
Ayun lang naman gusto ko i share incase there's someone out there na nasa situation ko when I started stopping. Kasi yun yung darkest moments ng life ko na na feel ko talaga na nag fail ako.
We will fall pero tandaan niyo, bilog ang mundo, kapag nasa ilalim kana wala ka nang ikakababa pa, pataas nalang destinasyon mo. Kaya kapit lang. Kaya natin ito. Walang itinanim ngayon bumunga agad kinabukasan. Be patient and learn to forgive yourself.
May work ako 35k per month sahod. May mga nautangan akong 100K 10%, 50k 15%, another 50k 20%, and P.O na 35% which is 1month payment.
Itong napag utangan ko ng P.O, every 1k is 100 ang mababawas pag kinonvert into cash.
Example. 20,000 - 2000 =18,000 makukuha mo, then need mo ibalik ng 1 month ₱27k
since 2024 na ako humihiram sakanya and ngayon lng tlga ako nagipit gawa ng breadwinner and nauubos bayad/renew system, utang ulit pambayad ng utang.
tinatakot nya na ako na cocontact sya ng lupon/baranggau, super depressed na ako 😢 di ko na kaya, pinakiusapan ko if pwede bang hulugan ko hanggang matapos ko yung total pero ayaw nya kase P.O daw yun.
alam ko kasalanan kong pumayag ako sa terms pero wala po akong choice. wala akong malapitan.
advise pls 😢
Hello. Silent reader here for a long time. I finally come to a point na hindi ko na talaga kayang ipagpatuloy pa na bayaran yung utang ko with the current monthly payment na ginagawa ko. So far wala pa naman OD sa mga utang ko. Baka this month pa lang.
UB Personal Loan - 300K - 5-year term. Paid for 12 mos. = 8,924 monthly payment
Metrobank - 200K - 3- year term - paid for 6 mos. = 8,056 = monthly payment
GLoan - 120K - 2-year term - paid for 3 mos. = 7,388 monthly payment
EasWest CC - 128K - I can only pay the minimum due - 5K
Union Bank CC - 30K - minimum due is 2K, but paying 5K (from 40K down to 30K)
Got scammed kaya nagkautang ako sa EasWest CC. Okay yung finances ko before. Nagstart lang masira ang pagmanage ko ng finances ko when my got sick. Pabalik balik kami sa hospital and she died later on. Nawalan ng direction yung buhay ko when my died. Yung paggastos ko hindi ko na namanage ng maayos. Wala akong bisyo and I'm still single. Salary ko lang source of income ko and around 40K lang sahod ko.
Wala akong intensyon takbuhan yung obligation ko pero nakakapagod lang talaga yung hindi mo alam paano pagkakasyahin yung sahod mo for needs and for pambayad utang.
I just need advice if pwedeng makipagnegotiate sa banks na kung pwedeng gawing 5K monthly yung payment ko para makayanan ko makapagbayad ng tuloy tuloy? Possible kayang may mag-agree na bank?
I'm already experiencing sleepless nights and was actually diagnosed with general anxiety disorder. I'm on medication na. Feelin ko kaya ako nagkaanxiety dahil sa kakaworry ko sa mga utang ko. Wala rin akong mapagsabihan ng problem ko and some of my relatives are also asking money from me kaya wala akong mahingian ng tulong.
Hello! Saan po kaya ako pwedeng mag-bank loan worth ₱150k–₱200k for 24 months? Gusto ko sana i-consolidate lahat ng debts ko para isang payment na lang every month. Wala naman po akong OD, pero gusto ko na talaga makahinga sa mga bayarin sa bank at OLA’s. 😭
Na-decline din po ako sa SB Finance, pero hindi ko po alam yung reason since hindi na rin nag-reply yung agent na kausap ko.
Hello. May utang ako sa several banks like Tonik, UB and Billease. 3 years nanh nakalipas halos wala pa akong maibayad sa kanila kasi pangit man pakinggan pero Jobless po ako na Single Mom. So everytime may mag bibigay ng pera saken (Small Amounts) eh inuuna ko muna sa needs ng anak ko.
Meron po ba na same saken halos years nang di nakakabayad? Ano ano pong sinubokan niyong gawin sa mga banks or ano pong ginawa niyo? Alam naman natin lahat nakakaPraning pero i need po advice. Thankyou!
hello reddit,
may motor kasi ako na kinuha ng hulugan for 36 months. Last July 2025. click 125 SE
pero hanggang ngayon wala padin OR. CR palang meron. limited yung pag gamit.
may thoughts is ipahatak yung motor and kuha nalang ako ng 2nd hand na motor via loan sa banking apps. kasi sobrang nanghinayang ako na doble pala ng presyo yung tubo nun sa 36 months.
planning to get pcx or aerox for 2nd hand.
any thoughts or advise if ano magiging negative impact kapag pinabatak ko yung motor in the future? given na madami akong apps for loan sloan, maribank, gloan.
thank you!
Di ko ma uploan dito sinabi nya pero sobra sama ng bunganga.
‘Mag pray ka kay santanas, magnanakaw magbayad ka ng utang mo.
Fk my decisions in life. Sobrang dami kong utang ngayon. This is the consequences of my action. Sobrang lala grabe. Last week lang ako ulit bumalik sa sugal pero grabe na naipatalo ko. Nagumpisa lang sa 500 - natalo - nag rage bet - naging 1k bet - 5k - tas sunod sunod na buong linggo. Ngayon sobrang dami kong utang. 25k/monthly lang sahod ko. Di ko alam kung pano babayaran tong mga to
Shopee loan - 32k
Maya - 16k
BPI - 16.5k
Total - 64.5k
Yung 30k pa dyan due na next month. Ngayon hindi ko alam kung pano gagawin. Mga kuys patulong naman kung ano pwede ko gawin. Walang wala na talaga eh
Patulong naman po
2M to 2.5M?? Kaya siguro hanggang 60k monthly,
Earning 2700usd/160k monthly
Paying around 140k monthly, house,car, PL, credit cards (mostly min. lang muna), bills, planning to finish muna sana car and PL until next year pero talo talaga kami sa interest ng CC,
2.5m sana kase may sinalo ako na property,may nagrerent naman kaya d kasama sa bayarin, kaso nakaloan sa pagibig kaya d matransfer sakin hangga't d nafull
Hello, good afternoon. Looking for advise po. Nasa CA na po kasi yung loan ko. Nasa Legal na daw po. Ang laki ng outstanding balance ko for personal Loan 1yr + OD umabot dun dahil lagi ako nakikiusap na sana mag monthly ako. Kaso nasa CA na ngayon and pinapaki usapan ko na di ko talaga kaya bayaran ng isang bagsakan, monthly kaya ko pag commit. Kaso ngayon ang sabe sakin pa di nabayaran for small claims na daw po? Isip ko nga dun na lang talaga kasi kaya ko i prove na wala naman ako asset, may overdue din ako sa ibang banks like cc. Isip ko sa small claims pwede pa makipag negotiate ng amount na kaya bayaran. Thoughts po? Thank you.
Since may 18 po naka experience na ako ng harassment tru text at email kahit may 20 pa po due ko. Sinesendan din po nila ako ng pic at id ko. Nagreport po ako sa CICC and eto po sabi (photo below)
Bayaran ko pa po ba digit peso? salamat po sa sasagot
I have this client of mine who I was working with for the past year. He’s generous and kind. He helped me through a lot and because of that I have purchased my wants. From a lot title to my current ohone (Iphone 15 Plus)
Recently, end of April. I was promised an Ipad and he told me to purchase it using my CC and will be paid off by the end of the month. I agreed because I already trust him enough. I bought a new Ipad worth 60k and charged in on my Atome CC.
Last week, he blocked me. Cut ties and never spoke to me ever again. What can do in this situation?
I don’t know where I can pay off this 60k from Atome.
Hello guys. Again im here to ask if this is real because what are my options. I was laid off and has been transparent of my financial situation. I closed my bpi account because I dont have the capacity to pay rather than lumaki due to finance charges and all. Now they are sending me this and nakakabahala. I'm not escaping my responsibilities pero I have been answering their emails (na hindi sila sumasagot btw) of my situation and wanted to have payment arrangement that is more realistic on my situation. But they do not respond. They even did a house visit pero sakto wala ako aa bahay. I mean if they will escalate this to court hindi po ba magkakahit ako sa NBI because of a lawsuit? and that will worsen my chances of getting work kasi may hit ako sa NBI? so mas lalong di ko mababayaran? Thanks guys sa suggestions! I'm really fighting/
I will be attaching the photo sa comment section.
I've had a salary loan with SSS that I wasn't able to pay back then (3-4 years ago) stopped working and focused on small business that time (my bad for not thinking about it back then). Now I'm working again and remembered my SSS loan but the Problem is the amount I've loaned was just less than 20k but after checking it at their branch my total balance is now around 80k and still increasing, I've tried paying it thru my salary auto-deduction but the amount I pay every month doesn't suffice the monthly interest they are charging (cant increase the amount because that will hurt the living expenses). Is there any way I could get them to stop the interests so I could atleast pay the balance without getting suffocated? May naka experience ba neto?
Again, I know it's my fault and that's why I'm trying to fix it. Sa mga makakatulong, Thanks in advance!