MAKUKULONG BA AKO SA HINDI PAGBAYAD NG UTANG? (Credit Card Worries)
By: Bayanihan
Disclaimer: The answers provided are solely based on the author's knowledge and may differ from how other banks conduct their business. Thus, one should NOT consider the information below as an absolute fact that applies to all cases. Lastly, please be guided that the answers given in this article is NOT intended to replace the advice of your financial adviser or legal council. (This was made to at least help people to gain more understanding on this sensitive area.)
Makukulong ba ako sa hindi pagbabayad ng mga utang ko sa CREDIT CARDS?
One of the biggest worries of many Credit Card holder is if they will go to prison if they can’t pay their monthly dues anymore.
This is a common problem with us na yung nagkakautang tayo
nang malaki at di na nakakabayad. Then, umaabot na siya sa amount na almost
doble sa ginasto natin.
But ang tanong is, “May nakukulong bas a pagkaka-utang?”
Straight answer is “NO”. Walang nakukuong sa pgkaka-utang (unless may ginawa kang Fraud).
Hindi ka makukulong sa pagka-utang. You are protected by the
law. Specifically, the basis is the Bill of Rights. Kung alam mo ito, mawawala
ang worries mo sa palaging pantatakot nang collection officers.
Article 3, Section 20 of the Philippine Constitution (Bill
of Rights)
Section 20. No person shall be imprisoned for debt or
non-payment of a poll tax.
What does this means? This provision prohibits the enactment
of a law criminalizing non-payment of debt or poll tax.
Ibig sabihin, bawal gumawa nang batas na ginagawang KRIMEN
ang hindi pagkakabayad nang utang.
So, eto palang, queue mo na walang batas na puwedeng
magpakulang sa’yo dahil sa pagkaka utang. So if ever, may threat sayo ang
collections officer na papakulong ka or sasabihin na huhulihin ka nang pulis,
walang basehan yan and purely harassment from their side.
So always remember, kung naiistress ka sa mga CREDIT CARD
bills mo dahil di ka na makabayad, na hindi ka makukulong dahil diyan.
Questions: Eh hindi naman pala ako makukulong, eh bakit may
kaso ako sa court?
Ang sabi lang naman ay hindi ka makukulong but that doesn’t
mean they can’t charge you or file a case against you.
But it is a CIVIL CASE which is Collection of Sum of Money.
Siyempre, may utang ka. Dapat mo din yang bayaran. Of course, if able. Kung
hindi talaga kaya magbayad, then budget your money.
Kung sabihin nang Collection Officer na may kaso ka ng
ESTAFA, then it’s a lie and complete intimidation. ESTAFA is a criminal case
and again, “Section 20. No person shall be imprisoned for debt or non-payment
of a poll tax.” So hindi ka puwedeng kasuhan nang ESTAFA dahil sa pagkaka-utang.
You can also read other articles or click the link below so you can browse other topics regarding CREDIT CARD DEBTS.
You can also ask questions below on comments and the author will try to answer your queries (although it my take some time due to the current situation).
Honestly, takot na takot talaga ako sa aking mga utang. Palagi akong tinatawagan ng mga Collections Agents. Makukulong daw ako. Ipapapulis. Nakakatakot. ESTAFA daw worth double sa aking outstanding debts. Grabe, hindi ako makatulog. Thankfully, nabasa ko to. Mejo naliwanagan ako.
ReplyDeleteGaano po ba ito katotoo? Hindi ba talaga nakakakulong ang pagkaka-utang? Kasi ako takot na takot na ako. Kahapon lang po may nag punta na taga barangay namin. Kasi tnatawagan daw sila ng isang pulis na si SP01 Aquino daw galing sa crimes division at may ipafile daw po na subpoena sa akin kasi sa defaulted cards ko. Dalawa ang credit cards ko, BPI and Metrobank. Sinabi nang mga pulis na may kaso daw ako at kailangan daw sila tawagan. Yung weird lang is nung sinabi nang konsehal na pasendan sila ng subpoena ay biglang naputol yung usapan. Binigyan po ako nang contact number ng pulis na dapat tawagan. Tulong naman po.
ReplyDeleteMejo same story yung sa aking. May bumisita sa village namin. Hinahanap daw ako. May kaso daw akong ESTAFA. Pulis daw siya. Di pinapasok ng guard. Nakacivilian lang daw. Binigay contact number. Yung kuya ko yung nagtext. Ayon, di naman pala pulis kasi nung yinaya namin na pumunta sa malapit na presento, eh nag-iba nag ihip nang hangin. ayaw pumunta at usap lang daw sa phone. Collector nga.....
DeleteI just want to ask rin po, hindi po credit card or banko po. Same po nang online lending 7 days po ang due. May contract kami pagdating po nang due date ko is nag explain ako sa kanya na wala pa akong pambayad kasi nagka sabay yong bayarin namin, humingi ako nang favor sa pinagutangan ko po na sana bigyan ako nang Panahon to pay, kaso po lahat nang fb friends ko kinontact niya at sinabihan ako na FRAUD at ESTAFA ang ginagawa ko which is maraming beses na kami nag transact and ngayun lang po ako na delay nang bayad. Ask ko lang po pwede ba niya ako kasohan nang FRAUD at ESTAFA? Yung utang ko po sa kanya is 10k after 7days magiging 12,200 tapos hindi po ako nakabayad due date ko, humingi ako nang panahon po makapag pay magiging 18,200 August 30. Hindi pa rin po ako makapag bayad nang buo. Makakasohan po ba ako?
DeleteHi maam, sad to hear sa pinagdadaanan mo. Based on your situation. It is a collection agent posing as a police officer. That's one of the tactics. The purpose is intimidation.
ReplyDeleteGet the government officials involve to make you feel that a case against you is real. Using a police officer name or magpanggap na police to give credibility. Ang point po niyan is to make you contact them so they can further harrass you.
I would advise to ignore it or inform the officials that he was a fake police. You can search the name of the police in the directory or inquire with PNP.
If the name is there, high chance na ginagamit niya lang pangalan ng pulis. Or, yung pulis kasabwat but wala naman talagang kaso. If natatakot ka, you can insist to met on the police station. I'll tell you, hindi yun pupunta.
Paano po kapag may nag text at sinasabi po na may bench warrant na daw po at kasama daw po na mag shesherif? Maari po ba talaga mangyari ito, wala naman po ako natatanggap ng subpoena galing sa bangko kaya nagtataka po ako bakit po magkakaroon ng ako ng bench warrant
ReplyDeleteBinisita ka ba nang sheriff? Sytle lang ito ng mga collections agency. Intimidation tactics nila na may "kaso" na daw para matakot ka. Usually, ignore lang ito. Konti lang ang banko na nagkakaso and collection of sum of money lang po yung. Yung bench warrant is for criminal case. Hindi naman criminal case ang non payment of debt. So pakulo lang to ng mga collections agency.
DeleteHi po. Ask lang po ako. May nag text kase sa kin. Sabi. May kaso daw akong "Estafa" di ako naka tapos mag bayad sa. Inutang kung ref.same Aeon Credit. Tapos natakot kase ako baka totoong kaso kase nung apply ako. Para ma approved ako. Sinabihan ako ng Agent nila na mag sabi lang ako na Nag tatrabaho ako sa City Hall. Sinunod ko naman sya. Kaya nung tinanatong ako kung nag tatrabaho ba talaga ako sa City hall ng officer nya. Sabi ko. Uu 2years na. Ang problema di ako agad nka pag bayad ay di ko natapos ang 1year contract sa inutang kong ref kase nag kaproblema ako sa Pera dahil sa pandemic.
DeleteEstafa po ba yun? Kahit na agent nila ang nag sabi sakin. Wala nman akong sinend o nag bigay ako ng pekeng ID na taga City Hall ako..
Sana po masagot po ang katanungan ko. Salamat po
This is my opinion ha. Kung agent lang yan, yung mga "Collector" na tumatawag sa yo at sinasabi may kaso ka na or nagfile na sila. Wag kang maniwala jan. Scare tactics nila yan para magbayad ka sa kanila. Minsan magpapakilala yang pulis ~ hingin mo badge ID number nila, hindi yan magbibigay. Eto kasi, utang ito. So yung kaso mo talaga is "Collection Sum of Money". Hindi estafa. Iba kasi yung sitwasyon basta "Estafa".
DeleteEto lang yung mahirap, if magsampa talaga nang kaso yang Aeon credit mismo. Yan baka may criminal liability ka kasi nagsinungaling ka. Pwedeng grounds nila yan for fraud. Yan yung malala. Pero so far, utang lang talaga ang makakaso sayo.
Kung may kaibigan kang abogado, magtanong ka. Wag kang mahiya. Mas mahirap kung lumalala ang sitwasyon.
Same sa akin, may nagtext sa akin na taga mandaluyong rtc daw sya. Need ko daw pumunta sa mandaluyong rtc the following day, tinanong ko mung anong branch and sinong judgr, mali mali binigay, wala naman daw ganong name ng judge and wala din daw ganong branch pag punta ko sa manda rtc
Deletegud day po, ask ko lng kung ang salary loan s bangko ay civil case? at maaari po bang makulong kpag civil case? Dati po ako teacher sa public school nag salary loan s bangko actually po third time ng reloan un at automatic deduction sa salary na, kaltas na agad s sweldo b.at may kinakaltas dn n insurance kasama s pagloan,kaso na awol ako dahil nagkasakit ako ng depression, 6 years n nkakaraan halos triple n ang sinisingil nla, pumupunta s bhay ng kapatid ko at kinukunan p ng picture daw ung bhay kung san dati ako nakatira. pa advice nman po wla po ako work at nakikitira n lng salamat po
ReplyDeleteHi po. Very common ang case mo. Either be it a credit card or utang sa banko. Siyempre pag banko, tumataas talaga ang amount pag may mga late fees na. very unfair na practice pero nasa contrata yan. Now, your problem is sa collections agency. usually sa kasong ganito, mga aggresive na CA ito. yung nagvivisit at nagclai2m na occular visit daw kasi ipabebenta ang gamit sa bahay. These are empty threats. Kung walang court order. wala yan. Hanggang wala kang narereceive na court orders, tactics yan ng collections agency. base sa experience, 6 months ang pangharras nila then titigil yan. then endorse nnaman ng bank sa other agencies. Pagganito talaga, mahirap pigilan ang kanilang mga visit. Pero my karapatan ka. Di sila basta basta pwedeng pumasok sa bahay. Sabihin mo wala kang pambayad. And you will start paying kung kaya mo na. If magkaso sila, then it will be only a collection of sum of money and pay when able ang judgement jan.
DeletePatulong po, nakareceive po ak nito sa email:
ReplyDeleteFINAL DEMAND with NOTICE OF LEGAL ACTION
RA 8484, ALSO KNOWN AS “ACCESS DEVICES REGULATION ACT OF 1998”
We write in behalf of our client, CXXXXXXXXX with regard to your delinquent MXXXBANK account with (Sold to Collectius) and outstanding balance amounting to 69,610.57 inclusive of interests, penalties, charges but exclusive of attorney’s fees and other legal fees.
METROBANK (A Finance Company) [MCC] assigned to our client, among other things, all rights, titles and interest, over the aforementioned account by virtue of RECEIVABLE PURCHASE CONTRACT . Thus, our client now has full authority to demand, collect, recover, enter into a compromise agreement and prosecute claims involving indebtedness due to METROBANK.
Despite repeated demands to settle your total outstanding balance, no payment has been made and all judicious efforts were unsuccessful for reason(s) that you have been avoiding our calls, evading our personal visits, unjustifiably refusing to pay or abandoning or surreptitiously leaving your place of employment, business or residence without informing our client nor METROBANK of your present whereabouts.
Please be advised that RA 8484, also known as “Access Devices Regulation Act of 1998” prohibits, among others, the act of obtaining money or anything of value with intent to defraud or gain and fleeing thereafter, as provided in Section 9 to wit;
“Section 9. Prohibited Acts. – The following acts shall constitute access device fraud and are hereby declared to be unlawful:
xxx
(j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
xxx
Further, Section 14 of RA 8484 also provides that intent to defraud is presumed if a cardholder surreptitiously leaves his place of employment business or residence without informing its creditor, to wit;
“Section 14. Presumption and prima facie evidence of intent to defraud. – The mere possession, control or custody of:
xxx
A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.
xxx
Considering your abovementioned act(s) and failure and/or refusal to settle your delinquent account with our client, despite demands, clearly shows that you do not want to honor the said obligation and intends to defraud our client to its great damage and prejudice and which is a criminal act punishable by fine and imprisonment as provided in Section 10 to wit:
“Section 10. Penalties. – Any person committing any of the acts constituting access device fraud enumerated in the immediately preceding section shall be punished with:
(a) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, whichever is greater and imprisonment for not less than six (6) years and not more than ten (10) years, in the case of an offense under Section 9 (b)-(e), and (g)-(p) which does not occur after a conviction for another offense under Section 9; (emphasis supplied)
xxx
Your prosecution for the abovementioned law is without prejudice to any liability for violation of the Revised Penal Code and other laws, as provided in Section 17 to wit;
“Section 17. Liability under the Revised Penal Code and other laws. – Prosecution under this Act shall be without prejudice to any liability for violation of any provision of the Revised Penal Code or any other law.”
We have already instructed our personnel to conduct the necessary credit and fact-finding investigation preparatory for the filing of the appropriate case/s in court.
That's a normal scare tactics by a Collections Agency. Hindi na yan ang banko but rather the CA's. They throw you emails to confuse you. Of course, at their end they try to collect kung ano man ang utang mo. Which of course you will need to pay. But if wala pa, then wag kang matakot nito. RA 8484 is a very well know tactic by CA's. Don't worry if email lang yan. This is a personal advise but you can just ignore it.
DeleteHi po, need ko po advise. Defaulter po ako ni UB for almost 3 years na. Madalas na din ako makareceive ng text from CAs at calls pero di ko po sinasagot dahil wla pa nman akong pambayad. Ngaun po, kinakabahan ako kase ung UB Mobile banking ng misis ko is na locked daw po. May connection po ba ito sa defaulted CC ko? Kinakabahan po at natatakot po ako lalo na nasa ibang bansa sya. Kakabalik nya lang din po last December. Please po, I need your immediate response. Hindi ako mapagkakatulog nito. I need ur advises po. Thank you much po.
ReplyDeleteHindi po yan. I believe its on the app or sigurado po ba na UB yan nagsabi na locked ang accout niya? Unless you have criminal activities which being a CC defaulter is not, freezing or locking the account is not legal.
DeleteBaka phishing yan. verify mo if UB talaga yan.
Good day po ask po ung case like me na may appliances loan. Then po nawalan po ng trbahoang asawa ko. Then po 3x po ata sila noon tumawag then diko po alam dahil wala n po kmi cp kahit isa.. Then po next year nag sisimula palang po ulit asawa po sa trabaho 3week palang sya nkakapasok biglang pndemic then po year 2021 po ay naka extra extra lang po ng work ndi po nmin na prayority ung loan appliances dahil sa kulang po talaga then this day po bigla may dumating na sulat galing daw saJB MANAGEMENT OPC.the creditor are applied criminally prosecute at civilly charge legally warranted. Penelty of imprisonment . imposed againts you in the criminal court r.a 8484 defrauding of creditor. Ano gagawin ko kc wala naman po ako ibang narecieve n kahit ano bukod sa dating tawag . kahit email wala tapos bigla po nag punta dito sa bahay.. Ano po gagawin ko
ReplyDeleteHi, its one of the tactics of the Collection Agents. Tinatako ka nila para magbayad ka. Kung may kaso ka, hindi yan sila ang mag-iinform sayo especially sabi nila na you are criminally liable daw.
DeleteEto yung 8484 - (Republic Act No. 8484), anyone who obtains “money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter” is criminally liable.
I don't think may intention ka naman na lokohin sila. And this law actually applies to credit card holders, hindi yung mga loan appliances. So malaki ang chance na CA tactics lang ito.
Good day po. May appliance loan (tv)po ako sa aeon nung year 2019,then naka pag hulog po ako 3 or 4 times, dna po nakahulog nung natanggal sa trabaho. After 1 month na dpo nakahulog, cnubukan ko po mag hulog kaso ayaw na po I accept sa bayad center, pero ngayon lang po nangungulit po yung collection agency sa contact ref ko. Sabi pa po nbi. Hindi daw po sya ti tigilan gang d ako naka kausap. Then mag send daw po cla ng demand letter. Worried po ako sa babayaran ko, 4 years napo naka lipas, ngayon lang po cla na kontak sa contact reference ko. D nmn po sila na contact sakin noon hang gang na wala po yung cp ko. Dapat po nuon pa po cla contact sa contact reference ko.
DeleteHi po Maam. Yan po usually ang ginagawa ng ng mga Loan Agencies. Once madefault ka na sa kanina, they would refer your information and contacts to the Collection Agents. Yung collection agents what they will do is contact anyone na nasa reference. And yes, makulit po sila and hindi magalang. Its one way of them harassing you. Yung NBI and other things are threats. In reality, hindi talaga nila gagawin yun. They do it kasi gusto nila makarecover ng pera. Utang yun but if wala ka naman pambayad, then wala po din sila makukuha. Yung lang talaga is apektado yung peace of mind mo.
DeleteHi, same po sakin bec of pandemic now unable to pay na. Nag send ng mga text msgs regarding sheriff. Problem ko lang yan RA 8484 something kc maglipat na akme abroad baka yan ilaban nila na hindi k inform sila ng paglipat.
ReplyDeleteThis is just my opinion kasi hindi naman ako lawyer.
DeleteBut the law says for RA8484 na "with intent to defraud or with intent to gain and fleeing thereafter”. Wala ka namang intensyon na lokohin sila di ba? Itong part na ito, ang pagprove na may intensyon kang lokohin sila ay nasa collector. If you had a CC or debt, then you have been paying it for months or years then nadefault dahil sa pandemic, then you had no intention to defraud them.
Umaapply lang talaga to sa kumuha nang CC, bili ng bili then no records of paying.
This is a general scenario.
How about ito po? Worried na worried na po ako kasi wala pa akong pambayad sa creditcard ko lalo na po ngayon na wala na akong trabaho.
ReplyDelete
ReplyDelete**NOTICE TO THE PUBLIC: THIS IS TO INFORM THE PUBLIC THAT "M********* O****** B*****” WHOSE NAME AND PICTURE APPEARS BELOW, CURRENTLY EMPLOYED AT “E****** CONTACT CENTRIS/BPO” HAS A PENDING CIVIL AND CRIMINAL CASE FOR: ESTAFA (VIOLATION OF ARTICLE 315), QUALIFIED THEFT AND PENAL CODE PUNISHABLE BY IMPRISONMENT OF NOT MORE THAN 6 TO 10 YEARS, BLACKLISTED IN THE NBI (NATIONAL BUREAU OF INVESTIGATION) LOCAL AND INTERNATIONAL AND POSTED IN NDB LISTING WITH DEROGATORY RECORDS AT ANY GOVERNMENT INSTITUTIONS. ADMINISTRATIVE CASE 654 UNDER REVISED PENAL CODE. “CIVIL SERVICE LAW” R.A 6713 (SEC. 4 B – SEC. 7A).
CASE IN NOW PENDING AT THE CITY PROSECUTORS’ OFFICE OF QUEZON CITY PHILIPPINES WITH I.S NUMBER 03-5812.
This advertisement will be published for three (3) consecutive Sundays and it was paid by “ATTY. J**** M******” Do call him now at 09068541615 for more information or if you have concerns / queries
You can actually respond that you can file a case against them. What they are doing is a crime against honor. If you are a credit card defaulted or my utang ka lang, hindi yan estada. And if you have a trusted friend to check that case daw sa prosecutors office, then you know that this is made up. They are harassing you. Eto ang mahirap sa mga CA kasi pinapahiya ka but when a legit police talks to them, aattraas yan.
Deletegood afternoon. mag ask lang po ako regarding sa loan ko sa isang credit card. nagpa early termination kasi ako after 6 months. nanghingi ako sa kanila ng table of amortization ko kasi di ako makapaniwala sa principal amount na sinasabi nila. nagpadala sila ng table at continuous din tawag ko sa hotline kasi marami ako katanungan. matagal din sila sumagot sa email ko, kung baga delaying tactics ginagawa nila kahit nai inform ko sila sa email na malapit na due date at kung i-delay nila pagreply dapat di nila ako icharge ng finance charge. Bale naka 3 table sila ng naisend sa akin. Yung unang table na pinadala nila dami ko katanungan sa kanila, then nag send ng 2nd table na iba sa una kaya tinawagan ko ulit sila, after non nag send ulit ng 3rd table. Sa bawat reklamo ko sa mga table of amotization na pinapadala nila nagpapalit sila, kahit yung sa hotline nila pina compute ko rin at di nila ako masagot ng tama. In the end naggawa ako ng sariling computation na nakabase yung remaining principal amount don sa unang table at binayaran ko na in full pati yung kinuha kong hulugan ng 12 months nai full payment ko na rin. Sa ngayon tinatawagan ako nung taga law office na kinuha daw nung sa credit card para maningil. Ano po pwede ikaso sa credit card dahil sa pamalimali yung table of amortization ko na pinadala nila para sana sa pagbabayad ko at malaki rin po interest nila sa akin sa loob ng 6 months (bago ko pina early termination). Then sinasabi din nung taga law office na "they are contemplating to file cases in court against me and my spouse pursuant to rule 3 section 4 of the new rules of court for "small claims" cases. Valid po ba yung sinasabi ng taga law office?
ReplyDeleteAno naman po pwede ikaso sa pagkakamali na nagawa ng credit card sa akin?
Maraming salamat po
In my opinion, as long as you have the records or email conversation regarding the computation, you can use that incase kasuhan ka na ng Banko for collection of sum of money. This way, the rightful amount will be collected against you instead sa kinukuha ng banko. Its hard to file a case against a bank kasi based sa situation mo, you are a defaulter. 2nd, you will be facing the bank legals team. Unless its a very big amount or a property, it will be counter productive to go against the bank. Gagastos ka sa lawyer and the case maybtake for years. This is personal opinion and if you are planning to pursue a case, talking to a lawyer is the best course here.
DeleteGood day po. May appliance loan (tv)po ako sa aeon nung year 2019,then naka pag hulog po ako 3 or 4 times, dna po nakahulog nung natanggal sa trabaho. After 1 month na dpo nakahulog, cnubukan ko po mag hulog kaso ayaw na po I accept sa bayad center, pero ngayon lang po nangungulit po yung collection agency sa contact ref ko. Sabi pa po nbi. Hindi daw po sya ti tigilan gang d ako naka kausap. Then mag send daw po cla ng demand letter. Worried po ako sa babayaran ko, 4 years napo naka lipas, ngayon lang po cla na kontak sa contact reference ko. D nmn po sila na contact sakin noon hang gang na wala po yung cp ko. Dapat po nuon pa po cla contact sa contact reference ko.
ReplyDeleteThis is the same question above:
DeleteHi po Maam. Yan po usually ang ginagawa ng ng mga Loan Agencies. Once madefault ka na sa kanina, they would refer your information and contacts to the Collection Agents. Yung collection agents what they will do is contact anyone na nasa reference. And yes, makulit po sila and hindi magalang. Its one way of them harassing you. Yung NBI and other things are threats. In reality, hindi talaga nila gagawin yun. They do it kasi gusto nila makarecover ng pera. Utang yun but if wala ka naman pambayad, then wala po din sila makukuha. Yung lang talaga is apektado yung peace of mind mo.
Sino po ba si Atty. JM na may cellphone number na 09068541615?
ReplyDeleteGumagamit na rin po ba ng mga fake court notices and face court email address mga collections agencies? Meron kasi na receive yung friend ko pero yung email address ng RTC QC is not the legit email address ng RTC QC
ReplyDeleteYes, one of their common tactics para takutin ang mga defaulter. It is actually illegal and you can report it. I had one experience with a friend. Tinakot na galing sila RTC and pulis sila. Tinawagan ng kaibigang abogado ang number, natameme yung Collector at hindi na tumawag or nag-email ulit.
DeleteAtty. JM na may cellphone number na 09068541615 - tiga san collections agency po ito si Atty JM daw na lagi send ng court notices po?
ReplyDeleteMeron po ba dito naka receive din?
You have the same case in one of the comments here. Unfortunately, hindi ako pamilyar kung sino po siya. Malaki ang chance na fake name yan kasi they are using fake RTC court summons which is illegal.
Deletei received email with the same contact number, the difference is the name of the Atty. that need to be contacted. kamusta po kayo? pwede nyo po report yan dito.. Illegal Collection Practices of Online Lending Companies :: Department of Justice - Republic of the Philippines :: Tel: (+632) 523 8482, (+632) 523 6826. mag rereport din po ako dyan, kasi sobrang stress na po ako sa kanila
DeleteThank you po sa inyong suggestion. Yes, this is a very good option and I suggest kung sino man ang nakakaranas ng mga harrasment galing sa mga CA ay i-report po ito.
Deletetotoo po ba yung mag vivisit sila sa house at wala daw po ako magagawa pag kukunin nila yung mga gamit sa house katumbas ng halaga ng cc debt ko po? hind ko na po kasi nabayaran cc ko starting january po. nawalan po kasi ako ng work, pero makikita naman po nila sa payment history ko never po ako pumalya ng payment. possible po kaya mangyari yung sinabi nung tumawag po sakin?
ReplyDeleteHi po, kamusta ka na? pasensya na at hindi ko nasagot ng maaga ang tanong mo. Nagkaroon po ba ng ocular inspection? -- most cases, if email lang yan or text, then its a TACTIC done by collections agency to make you pay. Hindi sila basta basta pwedeng kumuha ng mga gamit niyo. They will need a court order for that. And most cases, banks prefer to settle the amount instead of doing visits. These agents, kung pumunta man sa inyo ay walang karapatan na pumasok sa bahay niyo. that would be trespassing. The only valid reason is if my legal court order sila.
DeletePa tuloy padin po tumatawag sa reference ko yung aeon. Kumuha po ako nuon ng Tv.natigil lang po ako mag hulog ng ma wala sa trabaho. Gang nag pandemic po. 2019 pa po yun, ngayon lang po cla na tawag sa reference ko. Nag aalala po ako sa interest. Bakit ngayon lang po cla nakontak. Mag send daw po cla demand letter. Collection agency po yung na tawag, minsan papo sinabi nila NBI cla. Wala pa nmn po ako work until now.
ReplyDeleteCredit companies endorses the outstanding debts from their clients to collections agencies to collect the amount. Pag nadetermine na ng company na di ka makakabayad, diyan na papasok collections agency and yes, they will contact you. Titigil yan for 3 to 6 months, then cocontant ka nanaman. Hindi yan tumigtigil sa pagcocontact especially tumataas yung interes mo. One thing you must accept as a debtor is that collectors will be part of your life until mabayaran mo utang mo. Now, of course, wala naman tayong pambayad. So, two things, and this is my opinion lang and based on experience, you can ignore it or respond and tell them wala kang pambayad.
DeleteNow, if they claim they are from NBI, eto po yung maganda. Ask their name at full designation sa NBI. wag kang matakot. It's your right to know their name. sabihin mo papacheck mo sa NBI. Usually, they would stop. Kasi alam nila yan na kakasuhan sila if magpanggap silang NBI agents.
good day! na ka received po ako ng email na to just today at sobrang na stress ako ng nareceived ko. meron po kasing ibang account number ng credit card na pilit pinapa ako sa aking ang RCBC Bank, which is pina pa confirm ko po sa credit and collections nila at sa 3 collecting Agency kasi wala naman akong nagamit na ganung credit card at never naman ako na bigyan ng ganong credit card number. from Nov. 2022 until last month nag pa follow up po ako sa status kung na verify nila yong card at mga transactions. since wala din akong na receive na SOA sa Bank using that credit card no. For almost 10mos. wala pong reply or verifcation from 3 collecting agency at sa RCBC. ngayon po, eto po ang nareceived kong email. Totoo po ba eto? stress na po kasi ako masyado na silang nang ha harass. lahat ng kasama ko sa work naka usap na nila. ang gusto ko sana documented ang reply nila pero wala po silang ma reply. lagi lang silang tumatawag sa office at sa company phone. despite of informing them na naka received na akong warning from our HR about sa unauthorized call during office hours. kakabalik ko lang ng work kasi nawalan ako ng kapatid tapos ganito agad sasalubong sa akin.
ReplyDeleteSana po matulungan nyo po ako.
"This is to inform you that a plaintiff/complaint has been filed against you in violation of article 315 and 316 also known as ESTAFA. Consider this as Preliminary Investigation to determine whether there is sufficient ground to engender that a crime has been committed and be held for trial.
Contact your complainant Atty. John Paul F. Barrosa at 09068541615 for possible legal arrangements within 24 hours. After this you are directed to make a report thereon this court and execute the same, you are adhered to issuance of SUBPOENA / WARRANT OF ARREST CONTRARY TO THE LAW.
--
PRESIDING JUDGE: Baylon, Ferdinand Campomanes
ADDRESS:
Bulwagan ng Katarungan, Quezon City Hall Complex,
Barangay Central, Elliptical Road,
Diliman, Quezon City
EMAIL ADDRESS: regionaltrialcourt.branch77@gmail.com
Hi po, mukhang maraming issues tayong i-tatackle sa post mo. First, I want to say that I understand your worries and dealing with collection agents is a big headache.
DeleteWith regards to the credit card, it is best to confirm this directly with the Bank. Don't be afraid to go to the issuing bank. Hindi ka nila dadakipin. They don't have the right to do so and they won't do that as it is a bad image for their clients. If sigurado ka na hindi sayo ang credit card number and you have not make any TRANSACTIONS under that credit card number, then dispute it. Actually, ikaw pa dapat magkaso niyan kasi how can they issue a different credit card number without your consent. You can ask an SOA to verify the transactions.
Second, yung email nila na RTC Judge is clearly gawa gawa lang nila. Yung email address po ni Judge is rtc1qzn077@judiciary.gov.ph based sa Supreme Court site. Hindi po yung gawa gawa nila na gmail address. You can actuall yreport this to the Judicial Branch. This is falsification and impersonation of authority. This is a scare tactics ng nga CA and dapat ireklamo talaga to sila. I am sure yung pangalan ng lawyer is not real. Galing ba ang email na ito sa Collections Agency ng banko? If oo, then report them to BSP. If hindi, ignore.
The calls are a trickier kasi hindi talaga yan sila titigil. If you know the name of the Collections Agency and you know sila yung tumatawag, then file a complaint with BSP or even ask advise from a lawyer. Be also honest with your HR. Tell them their someone harrasing you. Bawal kasi yung ginagawa nila. They cannot publicly disclose your information for alledgely not paying your credit dues. See BSP Circular 454.
Eto po comment ng isa sa ating mga readers. You can also report your case to DOJ.
Delete"i received email with the same contact number, the difference is the name of the Atty. that need to be contacted. kamusta po kayo? pwede nyo po report yan dito.. Illegal Collection Practices of Online Lending Companies :: Department of Justice - Republic of the Philippines :: Tel: (+632) 523 8482, (+632) 523 6826. mag rereport din po ako dyan, kasi sobrang stress na po ako sa kanila"
Hello po. Totoo po kaya ito? May naloan kasi akong appliance before thru Aeon. Last 2019 pa or 2020 pa ata ito. Nung mga unang buwan hanggang ikaanim na buwan, nakakapaghulog pa ko. Pero yung mga sumunod, hindi na. Until now di ko pa rin nasesettle yung balance ko. Tinatawagan at tinetext nila yung reference ko. And kanina lang nakareceive yung reference ko ng ganitong text. Worried lang ako kasi hindi ko alam kung kokontakin ko ba yung no. na naka-indicate dyan kasi wala pa rin naman akong nakaready na pambayad if ever.
ReplyDeleteEto po yung text.
A criminal complaint was lodged before this Regional Trial Court of Mandaluyong City for violation of Article 315 of the Revised Penal Code also known as "ESTAFA" and Article 318 DECEIT also known as "SWINDLING" against you.
Adequate evidence had been forwarded and schedule for hearing set Tuesday, August 29, 2023. Failure to notify this branch will transcribe to issuance of SUMMON/SUBPOENA. For inquiries, please call 09353068905
Hi po, pasensya na po at nahuli sa response. Usually in this cases, mga collector lang po ito trying to scare you to pay. It is not an official communication and definitely not coming from the court. This is actually illegal as they are trying to impersonate a government agency. Estafa is a criminal case with intent to fraud. Hindi po estafa ang pagkaka-utang. If you respond and ask for an official copy of the case with the signature of the presiding judge or even ask them kung sino yung judge or kung anong branch yan ng RTC. By the way, illegal po ang pagtawag sa references mo if the yare collecting debt unless mga guarantor mo sila or co-maker. If you have the name if the colletions agency or if it is Aeon itself, you can report them to BSP or DOJ.
DeleteHi! Got the same email and same number. Ano po update dito? nagfile po ba talaga ng kaso?
DeleteHindi po. So far wala pa naman po akong narereceive na subpoena.
DeleteMeron po akong ganyan! Buti nalang nabasa ko ito! Collections Agency nga. I ignored po and so far wala pong subpoena.
DeleteI just want to ask rin po, hindi po credit card or banko po. Same po nang online lending 7 days po ang due. May contract kami pagdating po nang due date ko is nag explain ako sa kanya na wala pa akong pambayad kasi nagka sabay yong bayarin namin, humingi ako nang favor sa pinagutangan ko po na sana bigyan ako nang Panahon to pay, kaso po lahat nang fb friends ko kinontact niya at sinabihan ako na FRAUD at ESTAFA ang ginagawa ko which is maraming beses na kami nag transact and ngayun lang po ako na delay nang bayad. Ask ko lang po pwede ba niya ako kasohan nang FRAUD at ESTAFA? Yung utang ko po sa kanya is 10k after 7days magiging 12,200 tapos hindi po ako nakabayad due date ko, humingi ako nang panahon po makapag pay magiging 18,200 August 30. Hindi pa rin po ako makapag bayad nang buo. Makakasohan po ba ako?
ReplyDeleteHi po, first what they are doing which is contacting your friends is illegal. Bawal po yan according to our privacy laws. You can read the article below. And to answer your question, hindi ka po makukulong. Walang nakukulong sa pagkakautang. ESTAFA is a criminal case with the intent to defraud someone. Yung history mo palang na nagbabayad ka is a sign that you don't have the intention to defraud anyone. It is just one of the scare tactics of the company to make you pay.
Deletehttp://lawandbar.blogspot.com/2023/08/collection-agencies-tinatawagan-nila.html
Hello po. May nareceived po kasi akong text (sa baba) then after that tinawagan ko na po kasi natakot ako. Utang ko po ito sa RCBC credit card, hindi ko na po nababayaran buhat nung nagresigned ako few months ago dahil nagkasakit ako at until now hindi pa ko napi-fit tp work ng doctor ko. Ang nakausap ko po is Atty daw po, ang sabi niya pwede niya daw ako bigyan ng special discount so from 34k, 23k nalang daw then I explained to him na kaya di po ako nakakapagbayad kasi nagkasakit ako sa kidney, biglang sabi niya sige daw po kahit 10k nalang daw po isettle ko that day (Aug. 31). Humingi po ako ng extension pero di po ako pinagbigyan dahil nga po wala naman akong trabaho, di ko alam saan kukuha agad agad ng ganong halaga within that day. Ngayon natatakot po ako kung anong pwedeng mangyari sakin dahil hindi po ako nakapagbayad kahapon sa due date na ibinigay. Based po sa text, pwede po ba akong makasuhan o mas malala pa? Thank you po.
DeletePS: Inedit ko po yung name ng Atty., Initials nalang po nilagay ko muna.
"Despite several initiated Amnesty Offers, you had Continuously and Deliberately disregarded payment of your outstanding balance which remains unpaid as of today. As previously advised, your account is No Longer Qualified to Avail Discount)Amnesty for Full Payment as consequence of your non-response.
Accordingly,you are advised to coordinate settlement of your Full Ballance which is currently endorse here at Jab Credit and Collection Services,represented by Atty M. D.
Your consistent and deliberate disregard for payment has qualified your account to be recommended for Litigation under Small Claims Court Case, Violation of RA 7484,and Civil Case for Collection Of Sum of Money(Whichever is applicable) to counter act debtors.
Expect notice pertaining to the Venue of the RTC/MTC for the possible Case Filling/Litigation(Small Claims) and to know the schedule of Ocular Inspection to your Residence and place of Employment /Business.
To Avoid Constly Litigation, you are given a Final Chance until August 31, 2023 to Request to Reconsideration for the Cancelled Amnesty."
Hello po. This text is a a very collections agent style to scare or get your attention. First of all, you can verify if lawyer nga yung tumatawag sayo. Check the Roll of Attorneys by Supreme court. Kung nagtatanong sayo yung collector, you also have the right to know who he is at saan siya nagtratrabaho. It is important para incase of any illegal practices, you can report them. Second po, yung collections agents are commisioned by the bank to collect the sum of money but in most cases they are not the one commissioned to file a case against you. My ibang legal team ang mga banks when it coems to filing cases. And if magfile man sila, collection of sum of money ang makakaso nila. Its a civil case to collect debt and it is "pay when able". Meaning kung may pambayad ka lang. No criminal case, hindi ka makukulong.
DeleteAnd an advise from a former defaulter din, paying 10k at a time is not sustainable. Wag kang manininwala sa mga CA na yan. Unless may pera ka na na pambayad ng full amount, wag kang tingi tingi. ang mangyayari, babalik lang sa old amount ang utang mo dahil sa tinatawag nilang "penalities" and "interes".
Ito po yung last list ng mga collections agency and try to check if nandiyan yung tinawagan mo.
Collection Agency: List of Accredited Collection
Collection Agencies: Tinatawagan nila ang mga kaibigan ko
ReplyDeleteGusto ko lang sana manghingi ng advice sa mga katulad kong CC defaulter. Kaninang umaga may nagpagadala ng isang message thru one of my office mate corporate email address.
ReplyDeleteIto po ang content
We received a paid ad " Notice to the Public " against my name indicating that have a pending case violations of article 315- 318 of the revised penal code / RA 8484 Access Drive
We notice that it will bring negative publicity in line with our mandate of protecting the interest of member newspaper organization and promoting ethical standards in the profession.
In granting the same , may we request to coordinate with the advertisers representative of said advertisement .
It will be published starting September 22, 2023 in the newspaper and paid by a certain lawyer.
Pahelp naman po kung anu po ibig sabhin nito. Shaming po kasi ito sa work ko .
Makakasuhan ba ako nito?
Hi po, pasensya na po at nabusy masyado at hindi nakasagot. Kamusta ka na? I am hoping walang masamang nangyari sa yo. By reading your situation, I am pretty sure this is one type of harrasing defaulters done by CAs. Ginagamit nila yan para matakot ka and if you contact the person, they will scare you to pay your remaining balance. Hindi po basta basta yung pinaparatang nila. Kung may pending case, sana may warrant of arrest ka na. I recommend reporting the email address and if you have the courage to talk to them, get every info about them and report them to BSP and DOJ. Pinapahiya ka kasi nila which is hindi pwede. Hoping you can update us if meron ba talagang nagpublish sa name mo.
DeleteCollection Agencies: Tinatawagan nila ang mga kaibigan ko
Hi po naka receive po ako ng email from occ_rtc.br3@yahoo.com
ReplyDeleteYan po ang exact na naka sulat and nasa pdf file po yan na sinend with logo of regional Trial Court legit po ba yan? Sobrang worried po kasi ako meron po ako utang sa Aeon Credit ref po pero di ko alam bakit po 2 counts nakalagay
Regional Trial Court Branch 69 Bulwagan ng KatarunganCity Hall Complex Brgy San Nicholas Pasig
This is to inform you that your record is ready for execution for legal suits against you, for two counts of violation under article 2210 sum of money case and RA 8484 access device of regulation act 1998 for civil case under small claims. The case filed was review and paid by third party finance last 26th of October present year at Pasig regional Trial Court Branch 69 under Honorable Judge Bethany Punzalan V Conde the plaintiff submitted formal complaints primary sources of evidence that would be used as the primary petition for the issuance of summon notice once the formal complaint is filed. It will Will definitely reflect as pending case that would appear to your NBI and Police Clearance as well as to all financial institution/entities. We are giving you 48 hrs for your cooperation Upon receiving this email notice. Otherwise our mediation should recommend plaintiff to proceed case filing.
You may call this mobile number 09815445706 and request an appointment to our mediation head
NOTE: Once you're already informed pertaining to this legal matter and give your legal rights to fix before the court proceeding date, there's still no dismissal order that the plaintiff should have to submit, our coordination will be disregarded. The court notices subpoena will be sent on your permanent address as well as your employer to inform you as part of the rule of the court. Cooy of foregoing answer was served to plaintiff's counsel by registered mail due to time and distance constraints and for the lack of undersigned's who can serve the same person.
Atty Susan Espera L Concha
Legal Head Mediation
Roll no 54939
Page no 411
Book no 301
Series of 2023
Sana maka tugon po kayo
Deletehi po, i'll just point out some inconsistencies on the email.
Deleteocc_rtc.br3@yahoo.com - hindi po ito ang official email address ng Regional Trial Court Branch 69 Bulwagan ng KatarunganCity Hall Complex Brgy San Nicholas Pasig. If you go to the official website, then it is
metc2pas069@judiciary.gov.ph
So email address palang, sablay na. You can actually email the official email address or contact them at +63 2 8681-9622 to verify the information. Actually, pwede silang makasuhan ng impersonation of person with authority sa ginagawa nila. You can also visit the site address below if you are more comfotable contacting them through twitter.
https://sc.judiciary.gov.ph/pasay-city-regional-trial-court-rtc-branch-231-pasay-city/
09815445706 - hindi ito ang official number ng TRC. any number must be published and actually, government offices encourages visiting the office instead of calling. Sigurado if tawagan mo ito, mapu2nta ka sa Collections Agency.
Also, this is a CIVIL case, so hindi po yan mag-aappear sa NBI sakali man mag file ng kaso ang mga AEON sa iyo.
Take note that civil cases like annulments, ejectments, and funds claims aren't covered by the NBI clearance and therefore not contained in the database. The NBI Criminal Database can be a collection of criminal offender records extracted from the next: Courts (MTC, MTCC, MCTC, and RTC).
There are a lot of typos din po sa email na senend nila.
Hi, help po. Sobrang stress ko na po. Inaamin ko naman po na may loan ako sa Security Bank at hindi ko pa natatapos bayaran dahil wala pa kong pambayad, naka-received ako ng email today, eto po sabi:
ReplyDeleteFrom: cora.pujante1985@gmail.com
RE: NOTICE TO THE PUBLIC_Sxxxxxxx
**NOTICE TO THE PUBLIC: THIS IS TO INFORM THE PUBLIC THAT Sxxxxxxxx WHOSE NAME APPEARS ABOVE HAS A PENDING CIVIL AND CRIMINAL CASE FOR: ESTAFA (VIOLATION OF ARTICLE 315), QUALIFIED THEFT AND PENAL CODE PUNISHABLE BY IMPRISONMENT OF NOT MORE THAN 6 TO 10 YEARS, BLACKLISTED IN THE NBI (NATIONAL BUREAU OF INVESTIGATION) LOCAL AND INTERNATIONAL AND POSTED IN NDB LISTING WITH DEROGATORY RECORDS AT ANY GOVERNMENT INSTITUTIONS. ADMINISTRATIVE CASE 654 UNDER REVISED PENAL CODE. “CIVIL SERVICE LAW” R.A 6713 (SEC. 4 B – SEC. 7A).
CASE IN NOW PENDING AT THE CITY PROSECUTORS’ OFFICE OF QUEZON CITY PHILIPPINES WITH I.S NUMBER 03-5812.
This advertisement will be published for three (3) consecutive Sundays and it was paid by “ATTY. ROMEO P. VILLEGAS” Do call him now at 09556591162 for more information or if you have concerns / queries.
--
Cora Pujante
Legal Staff
VILLEGAS AND ASSOCIATES
A: Room 203 2F Wonder Building,
29th St. Cor. 9th Ave.,
Bonifacio Global, Taguig City, Metro Manila
E: cora.pujante1985@gmail.com
- please pakicheck po if this email is legit. Wala naman po akong nareceived na letter galing sa kanila. Sana po masagot nyo ko. Thanks po.
Hi po, I hope you are okay. This is my opinion lang po but the way the email is constructed, this is the typical emails sent by collections agency. So para sa akin, hindi po yan totoo na may kaso kayo. There are a lot of similar stories here with you. Yung pag send nila yan ay para i contact mo sila at para makuha nila bayad sa utang mo. I tried to see if their is Villegas Associates at wala naman akong nakikita.
DeleteAt ang pakaka-utang po ay hindi basis para makasuhan ka ng estafa. if there is indeed a case filed against you, then it will be a civil case for collection of money.
Good day po,
ReplyDeleteNakautang po ako sa online lending before ng 2k. Dahil po nawalan ako ng trabaho, di ko po nabayaran hanggang nagpandemic na po. After pandemic, nadiagnosed po ako ng breast cancer stage 4 na po. Dahil po po dito di na po ako nagkaron ng chance na mabayaran yung utang ko dahil sa pagpapagamot hanggang pumutok na po yung tumor ko. Ngayon po kasi may natanggap ako sa email ko from the court.
Republic of the Philippines Office of the Clerk of Court PASIG REGIONAL TRIAL COURT Branch 69 Bulwagan ng Katarungan City hall Complex Brgy. San Nicolas Pasig City Presiding Judge: Bethany V. Conde
Mr. / Ms. XXX
This is to inform you that your record is ready for execution for a legal suit against you, for the two (2) counts of violation under Article 2210 Sum of money case and R.A 8484 access device regulation act of 1998 as civil offense under violation of small claims. The case filed was review and paid by the Third-party Finance last of 29th February present year at Pasig Regional Trial Court Branch 69 under honorable Judge Bethany Punzalan V. Conde. The plaintiff submitted formal complaints and primary sources of evidence that would be used as the primary petition for the issuance of summon notice. Once the formal complaint is filed, it will definitely reflect as pending case that would appear to your NBI and Police Clearance as well to all financial institutions/entities. We are giving you 48hours for your cooperation upon receiving this email notice. Otherwise, our mediation should recommend to the plaintiff to proceed with the case filing. You may call this mobile number 0981-544-5706 and request an appointment to our Mediation Head, Note: Once you're already informed pertaining to this legal matter and give your legal rights to fix this before the court proceeding date, there's still no dismissal order that the plaintiff should have to submit, our coordination will be disregarded. The court notices subpoena will be sent on your permanent address as well to your employer to inform you as part of the rule of court. Copy of the foregoing Answer was served to plaintiff’s counsel by registered mail due to time and distance constraints and for lack of the undersigned’s who can serve the same in person
ATTY. XXX
MEDIATION ROLL NO. Xxxxx
Doc. No.xxx Page
No. Xxx
Book No. Xxx
Series of 2024
Pano po kaya ito lalo ngayon na d na ko nakakalilos ng maayos.
Salamat po
Good day po. I hope you are feeling better. Mahirap po itong pinagdadaanan mo and dinagdagan pa nang problema.
DeleteQuestion po, ano po ang source ng email? @gmail.com? @yahoo.com? If oo, then malamang collections agency po it. They always use the name " Judge Bethany Punzalan V. Conde" which is a real honorable judge pero i think they are using here name without permission.
Eto po yung opinion ko dito, sum of money case is a civil case. hindi po ito papasok sa NBI or poice clearance. Yung access device naman po, have you changed address at hindi ka nagpaalam sa lending company? Pero may payment records ka? Mahirap i-prove ang access device kasi kailangan patunayan nila ang elements of fraud. Anyway po, kung civil po ang case, then yung choice po natin is to face it. Pay when able po ang ruling usually ng judge with reasonable interest.
But again if this email is legit, which is i doubt totoo. meron po dito, same case sa inyo. same number ginagamit - 0981-544-5706. Read lang po sa comment last year oct 2023 which is galing sa isang collection agency.
Hi, I have a case din po na nakareceived ako ng text, eto po ung details below:
ReplyDeleteOFFICE OF ATTY: MANALO
FINAL WARNING,
We are Finalizing your Information to File a Legal Complaint and We also requested for a BARANGAY HEARING schedule on the day after tomorrow at 9:00 am and We will tag as a Case SECTION (R.A) no. 10951 ESTAFA.
Expect our Legal team & Barangay officials ANYTIME to your house or office address . We are giving you until TODAY at 6:00pm to coordinate to us at 09456832064
Pay your debt today!!
I don't know po kung saang bangko ito galing. Pero natakot po ako na baka magpunta nga sila sa bahay. Legit po ba ung text na yan? Wala naman po akong na-received na tawag o email from them. Please help po. Thank you.
Hi kamusta na po kayo? I hope you are doing well. There are times na pumupunta ang mga colletions agency sa bahay. but take note po, they don't have the right to enter your home. sa labas lang talaga sila pwede. they have the option to have a conversation in the barangay pero hanggang dun lang po yun. the purpose is to settle the debt. kung wala kang pambayad, you can tell them to file the civil case for sum of money. hindi po eto estafa. walang criminal case po diyan.
Delete