r/zamboanga

nice ukay ukay spots!

Hello po! Can anyone please help me look for a nice ukay slash thrift store here in zc? Always me sa magay pero I can't seem to find stuff na hinahanap ko huhuhu like skirts na affordable sana. I also ukay sa petit barracks (night market) pero parang wala na ata? I hope may alam kayong place 🙏🏻 yung keri lang din sana i-jeep hahahahaha thank you po!

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u/mmirasol — 1 day ago

[HELP NEEDED] Illegal Lending Practice sa Zamboanga City - Saan Ako Dapat Mag-report? Possible Under Barangay Organized lending group

Hello ZamboangaCity redditors,

Mahaba to pero please take time to read its really alarming kung totoo ang naririnig ko na baranggay lng namin ang lending company kuno na ito.

Kailangan ko ng advice kung saan ko pwedeng i-report properly ang isang illegal lending operation. Victim ako ng predatory lending practices at gusto ko malaman kung aling government agency talaga ang nag-iimbestiga dito na alam ko hindi magging bias at iimbestigahan talaga.

SITUATION KO:

Umutang ako sa “Partners Lending Corporation” (based sa contract) noong April 2024:

• Approved: ₱30,000

• Actual na nakuha ko: ₱26,500 (may ₱3,500 deduction na “charges”)

• Term: 40 days

• Daily payment: ₱975

• Total babayaran: ₱39,000 (around 30% interest in just 40 days)

Nakabayad na ako ng 27 days (₱26,325), halos equivalent na sa principal amount. Wala akong missed payments.

RED FLAGS / POSSIBLY ILLEGAL PRACTICES:

❌ Walang official receipts (OR) na binibigay

❌ Walang copy ng contract (photo lang ang allowed, walang original)

❌ Walang disclosed office address or contact details

❌ Collectors lang pumupunta sa shop ko, walang proper office transaction

❌ Predatory interest (sobrang taas, parang over 200% annualized)

❌ Harassment + threats na “dadalhin sa barangay” nung humingi ako ng proper docs at consolidation

❌ Ginanagawa nila blackmail sa borrowers na mattanggal ang collector sa trabaho kapag hindi sila nakapagcollect ng kahit isang araw na payment, auto discharge and auto charge doble sa sahod.

POSSIBLE BARANGAY CONNECTION:

Ito ang pinaka-concern ko: feeling ko connected or involved ang lending group sa mga tao sa barangay namin. Yung collector is close sa families na connected sa barangay hall. Kasi sa contract pa lang illegal na at puno ng violations pero ang lakas ng loob nila na sila pa ang irereport ako sa barangay. So ibig sabihin possible yung barangay din mismo ang nagpapatakbo ng lending na to. Wala tlga sila maibigay na address kung saan saan na address amg sinasabi sa akin. Tapos pag tumatawag ako binababaan na ako kapag naghihingi ako ng name ng sinasabi nilang manager.

Nung humingi ako ng OR, notarized contract copy, at office address, naging defensive sila. Ngayon pinagbabantaan nila ako na idadaan sa barangay which makes me think may influence sila doon.

GINAWA KO NA:

Nag-request ako ng maayos at professional ng:

• Official receipts for all payments

• Copy ng notarized contract

• Office address/contact info

• Debt consolidation options

Ang sagot nila: dinecline lahat, sinabihan akong gumagawa ng “alibis,” tapos continued pressure pa rin.

QUESTIONS KO:

  1. Saan agency ako dapat mag-report na talaga nag-iimbestiga (hindi barangay)?
  2. Dapat ba:

• SEC?

• DTI?

• PNP Anti-Illegal Lending Task Force?

• Ombudsman (kung may barangay involvement)?

• BSP?

  1. Paano ko ma-protect sarili ko given possible barangay connection?

  2. May ibang victims ba? Sabi nila may 40+ clients daw sila. Gusto ko sana i-report properly pero kailangan ko ng tamang channel.

EVIDENCE KO:

• Photos ng contract

• Payment records

• Screenshots ng messages (refusal to give ORs at address)

• Witness sa transaction

Hindi ako natatakot lumaban dito, pero gusto ko gawin sa tamang proseso para may actual action. Since possible may local barangay officials behind it, gusto ko malaman kung anong agency ang hindi basta-basta ma-iinfluence.

Any advice or guidance would really help. Salamat, Zamboanga!

TL;DR: Alam ko na mali yung hindi ko binasa ng maayos ang contract before I got into this but at the time I was in a rush and I had an emergency so umutang ako ng 30k, 26.5k lang nakuha, babayaran 39k in 40 days (975/day). Paid 27 days na. Walang OR, walang contract copy, walang office address. Suspect may barangay connection. Saan ito irereport?

u/No_Show_8071 — 1 day ago

lf gym instructor

Hello reddit! Naiinggit na talaga ako sa mga nag hehealthy lifestyle ngayon na young adults like me kaso wala akong kasama para mag hiking, running, or pickle ball. Di ko pa din kaya ng mag-isa lang.

So why not mag gym nalang? Mas mabuti siguro if may proper trainer kasi babae po ako at wala masyadong alam sa proper forms, meal preps, and workouts na dapat gawin para sa goals ko.

If you can recommend anyone/any gym salamat!! Budget friendly and not creepy po sana (sana maitindihan niyo) thank you!

reddit.com
u/Local_Lecture3229 — 1 day ago

Are there people who actually want to attend WMSU?

It doesn't even have to be in college, have you ever dreamed of being a WMSU Elem-HS student? I've been thinking about this recently. Is anyone willing to be in WMSU if they have the opportunity? Please entertain me.

reddit.com
u/Flashy-Ladder647 — 1 day ago

CSC Honor Graduate Eligibility

Hi guys, I just wanna know if paano yun mag apply ng eligiblity ng honor graduate and also what are your experiences and is it really required to have a booking ?

reddit.com
u/Financial-Mouse6828 — 1 day ago

Zamboanga / early internet love story era and only trenta to kwarenta pips will understand 😂

Nostalgic thought lang… grabe talaga yung early internet days no. mIRC, Yahoo Messenger, DALnet, tapos yung time na you can send a text message then it will be posted on a live broadcast channel, may televiewers yung GC nyo era tapos PLDT dial-up pa ang connection na pag may tumawag sa landline, disconnect ka agad. And yet we are all so patient. 😭

Back then I met someone sa mIRC chat wala pang photos, no guarantees, just pure convo and timing. Wala pa yung scammer culture ngayon, kaya mas fearless pa lahat. I didn’t even care kung sino siya IRL at first, basta yung connection felt real. But when I first saw her, DAMN! Ang ganda and I froze, literally.

Then it turned into something real… a 10-year relationship. Longest I’ve ever had.

And what makes it even more surreal is how everything felt so “local internet culture” back then like yung TV chat channel sa cable where you send a text message and it literally flashes live on screen sa TV 😭 parang public GC na broadcasted pa, only Zamboanga kids will remember that era. Nakalimutan ko lang yung name.

But we grew up, life happened, and now I’m single again. Pero weirdly, when I check her profiles minsan, she’s still single too.

It’s funny how some people from that era never really become “just memories”… they stay like unfinished sentences in your life.

Only trenta to kwarenta Zamboanga peeps will get this. Lapag kayo ng own mIRC / YM / TV chat era stories niyo 😂

reddit.com
u/Embarrassed-Cat608 — 2 days ago

If this is your man, gurl! You better run! you should break up with him. he’s been fooling you for a long time already.

We only talked for a day and a half. He said he was single and ready to mingle, but I wasn’t convinced, so I did some digging. I immediately found out that he actually has a girlfriend. A random girl even messaged me and warned me about this guy it means He’s been talking to a lot of people and fooling around. He also comments on NSFW girls’ posts and flirts with them. He’s from Netherland his name start with J.

1st photo: the one he posted
2nd: his comments
3rd, 4th & 5th : proof that he has a girlfriend a liar a cheater
6th: a photo of him that no one asked for

The reason i posted here I saw a post saying he was planning to go to Zamboanga, hoping his girlfriend or maybe one of her friends is here. I hope this post reaches this guy’s girlfriend.

I’m a girl’s girl. No one deserves to experience cheating!!

Girlfriend, if you see this post, DM me. Send me proof, and I’ll send everything to you! Dump this bastard liar!!

u/unamedunknownanon — 2 days ago

Porque hinde maka enganyo el ZC tourism pubmats?

Porque se umalin di atun tourism pubmats? Quiere quiere kita man boost el turismo del ciudad pero di atun pubmats no hay chance hinde maka engganyo. No hay creativity el mismo opisina de turismo. Manada kita local creatives puede man tap to do campaigns. Maskin na mga expo tan join el ciudad bien umalin di atun mga designs comparando na otro ciudad. Hopefully man invest tamen el ciudad na culture and arts para tiene tamen taste na designs!

reddit.com
u/Derpy_Dick2024 — 2 days ago

prc examinees

halluu ask lng, sa mga nkatake na ng boards here in zambo, almost all ba ng chairs are armchairs sa room ? plastic ba todo? or tiene tamen wooden ? thanku puuu

reddit.com
u/financeengr98 — 2 days ago

VIRTUAL ASSISTANTS IN ZAMBOANGA

Buenas! Kere lang yo sabe si manada ba mga VA aki na Zamboanga? Ta pensa lang yo bale era ase online community nuh like man GTKY kita mga Zamboangueños VA 🫶

reddit.com
u/Spare_Worker_6661 — 3 days ago

School and office supplier etc consumer goods trading business

May ka kilala po ba kayong supplier para sa school and office supplier? Buying bulk sana, around mindanao kahit kontak number lang po, email or fb page? salamat.

reddit.com
u/kitbryan97 — 2 days ago

Any restos for recommendations??

Hi! My birthday is coming up in a few weeks and I want to treat my mom and siblings sa resto. (HEHE big girl money na e) Bale 4 kaming lalabas to eat out. Any recommendations? Thanks!

reddit.com
u/Beau_Butterfly — 4 days ago

Anyone here looking to invest on a coffee x bar chill lounge? Read up.

I’m looking for Business Partners / Investors for Café Relaunch

I’m currently restructuring an existing café business located near a major university belt in the city. After temporarily closing operations for redevelopment, I’m now rebuilding the space into a more community-driven café concept focused on comfort, conversations, creativity, and atmosphere.

My vision is simple:

A cozy café by day and a chill drinking space by night.

Not a loud party place.

Not a rave bar.

No pool tables or nightclub setup.

Instead, the goal is to create a warm, aesthetically pleasing environment where people can:

• Study or work with coffee

• Have meaningful conversations over drinks

• Relax after classes or work

• Enjoy good music, cozy interiors, and a calm social atmosphere

The place is already equipped with the cozy vibe and aesthetic foundation, so restructuring will mainly focus on improving the concept, menu, branding, and customer experience.

Future offerings will include:

- Specialty coffee & comfort food

- Café-style snacks and meals

- Curated liquor/alcohol menu

- Acoustic/chill ambiance

- Study & work-friendly setup

- Café-to-night-lounge transition concept

Target Market:

• Students

• Young professionals

• Freelancers

• Creatives

• People looking for a relaxed social space

I’m currently looking for at least 5 business partners or silent investors with a minimum investment of ₱50,000 each.

Funds will help support:

• Interior restructuring & improvements

• Bar and café equipment upgrades

• Initial inventory & working capital

• Branding and marketing

Investment setup and profit-sharing terms can be discussed transparently with interested partners.

I’m looking for people who genuinely believe in building a sustainable café concept and community space with long-term potential, not just a short-term business flip.

If you’re interested, feel free to send me a message so we can discuss the concept, projections, and partnership setup further.

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u/Embarrassed-Cat608 — 5 days ago

How often do you see Foreign Tourist in the city?

Just curious how often the locals here see foreigners visit their city? Do you commonly see white foreigners or just nearby SEA countries foreigners?

reddit.com
u/LoLThalys — 4 days ago

UZ College Entrance Exam

Good day po! I'm asking po sa mga nag take this entrance exam sa UZ College 2026 kung ano mga lumabas and to studay lalo na what to expect sa exam, natatakot rin po ako lalo na wala ako other back up university to choose from and UZ nalang natitira😢

reddit.com
u/creativeMaize4243 — 4 days ago

Gotyme physical card

Sino dito nakapagtry na kumuha ng physical card ng gotyme? My app na ako pero wala pa akong card. My minimum amount ba kailangan sa account?

reddit.com
u/Repulsive-Nose-3630 — 5 days ago

Where to buy Blade of an Electric Fan here?

For context, ya quebra el blade dimio electric fan kay ya tumba denante. Onde gaha pwede compra ansina igual na attached picture aqui na zamboanga? si man order iyo online, 7 days pa before liga :( chene gaha se na makers or unitop? Or baka chene kamo sabe onde pwde compra. Gracias!

u/AstaGray — 4 days ago
▲ 3 r/zamboanga+2 crossposts

Jasmine white rice 5% broken, DT8,5451

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📝 Contract signing available with Proof of Funds (POF).
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First come, first served! Serious inquiries only.

u/FitAge2784 — 4 days ago

any thoughts Southern City Colleges

planning to enroll in BS Nursing at SCC, pero hesitate pa ako kasi nakita ko bago lang pala ang nursing nila. Maganda ba school nila like maganda po ba ang quality of education nila doon?

reddit.com
u/gin66meelsie — 8 days ago