Credit Card: Collection Agent Harassments

[jblim1980]

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so should pay in advance before leaving mam

[Sol_Itaire]

but people what can you say about collectors' harassments? is this okay with you?

naa kunoy collector ba nga naningil sa usa ka pregnant woman nya ni ingon pa jud, to this effect, "maayu pag mamatay na imong anak para makabayad ka sa imong utang."

grabeh na pod na.

[mymy]

the issue here is your due so no matter where have you been for how many months as long as if you pay necessary dues and interest after...that's all that matter. yeh, its their job to call 2 remind but ignore it. just Update you accounts as soon as you come back.

[mymy]

but people what can you say about collectors' harassments? is this okay with you?

naa kunoy collector ba nga naningil sa usa ka pregnant woman nya ni ingon pa jud, to this effect, "maayu pag mamatay na imong anak para makabayad ka sa imong utang."

grabeh na pod na.

dah! not okay of course. kadawat sya nako yaw2x if ana. Kitay responsible sa utang n2 dili sila so maghinay2x sila sa istorya nila. there was time before na akoa mother-in-law ang gisingil sa phone ako jud gi away...."kinsa pa man ganahan mo pay ninyo ana nga di man katungod inyo gisingil"....nagsorry lage. Di ka dapat padala sa panghadlok nila kay as long as you have payments daugan giyapon ka.

[ladymarie]

samok btaw pud ni cla pro mao lge nkautang man pud ta, paet..

[tokidoki]

karon lang ko react. kabalo ko daan na ni.

in case you guys didn't know, banks actually earn MORE if you don't pay up. When you don't pay on time, they EARN interest. If you don't (i.e. imo gi TY), banks are insured by another funding agency (i forgot the term or the arrangement). Hence, the insurance compensation actually is EARNING them MORE money. Win-win gyud na ang bangko. Never underestimate them in terms of money.

Ergo, ayaw gyud mo padala anang drama nila.

[noliverh]

mas maayo pa, while sayo pa, ayaw na mo anang credit card... tulis na sa imong atubangan...

[rts1980]

dapat para dili na mo maharass, bayad nalang mu on time ug para dili maglisod ug bayad sa card, use it wisely.. wa jud ka mabuhat ana kay ang uban mga collector medyo way breeding... mga bastos.. although i never experience being harass but if ever, malas lang, basin matagak sila sa hospital.hehehe

[hacxcena]

Credit cards and unfair collection practices

There are a number of good reasons in favor of having and using a credit card. Still, we all know the possible adverse results in the unchecked use of “plastics” or credit cards, such as this one:

THERE’S a credit-card horror story that’s become some sort of an urban legend: A television personality, after losing his job in a top network, resorts to using his plastic money. By the time he finds employment in the rival network, he has wracked up P58,000 in credit card bills. But he figures he’s not yet ready to pay in full, so he pays just the minimum amount due. Yet after five years, he is shocked to realize that his credit card debt had ballooned more than 10 times to P700,000.


Perhaps you’ve heard, or, most probably, experienced certain “innovative” strategies used by credit card companies and their collection agencies in “persuading” you to pay (they are, of course, entitled to payment). With the rising complaints against these strategies, the Bangko Sentral ng Pilipinas (BSP) issued a set of rules and regulations governing the credit card operations of banks and affiliate credit card companies.

As a rule, banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement. However, in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts. Without limiting the general application of the foregoing, the following are considered unfair collection practices:

a) the use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.

b) the use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws.

c) disclosure of the names of credit cardholders who allegedly refuse to pay debts, with certain exceptions.

d) threat to take any action that cannot legally be taken.

e) communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed.

f) any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder.

g) making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6:00 a.m. or after 10:00 p.m., unless the account is past due for more than sixty (60) days or the cardholder has given express permission or said times are the only reasonable or convenient opportunities for contact.

[pogy_uy]

ang style ani change ur phone no. amo dri, naa nay moanhi sa balay, wla ra gani ko, basta dli mi mo pirma n we can pay man jud, dli lng mi ganhan mo bayad, if they want our money come and beg to us

ma bad debts rana madugay, believe in me

and your proud of this?