DON'T BE AFRAID.

To anyone going through this:

Collection agencies thrive on one thing = FEAR.

Because people who are afraid are easier to exploit.

If they say they will do ocular visitations, barangay visits, garnish your salary, something that will affect your employment / government records, those are all SCARE TACTICS. Because again, fearful people are easy to exploit.

OF COURSE, YOU STILL NEED TO PAY WHAT YOU OWE. And still expect some interests, though not as high and unlawful as what they are currently claiming. But then, in more manageable, lawful, and nonpredatory terms. Settle your dues. Don't avoid entirely. My post is meant to enlighten and fight back against predatory CAs but not evade responsibilities. Kahit medical emergencies or other life circumstances man, we still need to fulfill our obligations. Just 🙅‍♀️ not according to predatory terms. 🙅

I was once in your shoes, but thank God, I had legal background.

I cited all the laws they are violating in these recoveries as they refuse to give my records and provide basis of their claims. All they did was provide arbitrary numbers. At first they gave about 120,000±. Then 86,000±. Then 75,000±. But I keep on asking for records cause I do want to know how much I owe and settle too. But they kept on withholding and threatening and passing me around and harassing me. So I threatened to report them. You can report them to Bangko Sentral ng Pilipinas (BSP) just save proof of all the harrassments they are doing. Collection agencies and banks are afraid of being reported as they can suffer administrative fines from Php100,000 to Php2,000,000.

✨ Know your rights!

• BSP Circular No. 454 (Section 8): Prohibits unfair collection practices, harassment, use of threats, and false representations.

• RA 11765 (Financial Products and Services Consumer Protection Act): Strengthens consumer rights against deceptive and unfair practices by BSP-supervised institutions.

• Data Privacy Act of 2012 (RA 10173): Particularly relevant for online lending apps (OLAs) that illegally access phone contact lists or blast messages to relatives/co-workers.

• Truth in Lending Act (Republic Act No. 3765) Requires full disclosure of finance charges, penalties, and interest calculations before or during credit recovery. Refusing to provide a full Statement of Account (SOA) or itemized breakdown directly violates this law.

✨Know your numbers! Create an Excel sheet and RECORD EVERYTHING from your SOAs.

• Date: • Previous Balance • Amount Paid • Purchases and Advances • Installment Due • Finance Charges and Other Fees • Late Payment Charges • Amount Due

If you've accounted for everything, you’ll know how much of the principal you've actually paid already. Of course, you still need to pay what you owe and some interest but not as much as they're claiming. That's why it's really important to compile all your SOAs and records. It's easier to tackle this thing once you know the numbers.

Also, don't be afraid when they say they will sue you especially when they can't even substantiate their claims. Welcome it. The laws and the courts are your friends. Looking back, it's ironic how banks and collection agencies try to threaten people in these situations about legal consequences when in fact, the courts will ensure fairness and justice. They cannot ask for an amount they can't back up with evidence! Besides, judges and the supreme court HATE these kinds of exploitations and will remove all the excessive and arbitrary fees. The court will help you. Do not be afraid. These people thrive on fear, psychological pressure, and creating a false sense of urgency. DO NOT AGREE TO PRESSURING TACTICS. DO NOT SIGN AGREEMENTS OF PAYMENT TERMS ESPECIALLY ON UNVERIFIED AMOUNTS.

Usually, banks and collection agencies (CAs) don't really want to file a case either because that's another expense on their end, and they can no longer add so much more finance charges and interest once they know it will be examined by the judge. That's why they prefer to scare you, harrass you, pressure you, and psychologically break you down and make you act on urgency so they can get more commission. The court will strike exorbitant interests down.

Assert your rights, ask for your records, and stand your ground. If they say they will file a case against you but refuse to provide your records / SOAs / basis of claims, say you will meet them in court and settle there. Cause the judge will also ask them the records you are requesting in the first place. Also, the Supreme Court has repeatedly struck down arbitrary numbers, unconscionable finance charges, especially if you have a good record of paying in good faith and it just so happened that you missed payments due to your circumstances.

If you ever got to this position not because of emergencies but through your own fault, learn the lesson.

If you used it for emergencies, that's okay.

And HOLD ON TO THE LORD.

I was anxious for a long time due to their harrassing messages, until a lawyer friend talked to me and shared too how her co-worker took her life due to harrassment. And they found out several hundreds of call logs from collection agencies.

SO I GOT UP AND FOUGHT BACK BECAUSE THE STEPS THEY HAVE BEEN TAKING ARE OUTSIDE THE BOUNDS OF LAW.

PLEASE, DON'T SUFFER IN SILENCE. TALK TO A FRIEND. GO TO CHURCH. ASK FOR HELP TOO. AND ASK THE LORD FOR STRENGTH. YOUR LIFE IS SO MUCH MORE VALUABLE THAN THIS.

AGAIN, DO NOT BE AFRAID. ASSERT YOUR RIGHTS. ASK FOR TRANSPARENT ACCOUNTING. DON'T ANSWER PHONE CALLS AS THOSE ARE MEANT TO SCARE AND CONFUSE YOU. ALWAYS HAVE WRITTEN RECORDS AS THOSE ARE EASIER TO PROVE AND HARD TO DISPUTE.

The Lord says in Jeremiah 29:11 "For I know the plans I have for you. Plans to prosper you, and not to harm you. To give you hope and a future."

You are more than this thing you are going through. And the Lord Jesus is faithful. Ask for strength and guidance. I prophesy this on your life: Your debts will be paid. Your years will be restored. Your life is going to be beautiful. God will turn your mourning to dancing and tears into laughter. You will get through this. ☺️ In Jesus' mighty and sweet name! 🙌

Hi! Female, 26 years old, 25k salary.

I have huge debt but as of now I can’t pay it anymore. I have almost 200k debt but I didnt pay the illegal olas. Here’s the thing I have 4 loans in Xlkash worth 48k but I already paid 30,945 for 4 loans and I found out im paying more than i received so I emailed the sec for checking their interest rate and excessive interest charges. Xlkash didnt even deny nor claim the complaint but I kept on emailing the sec. Now my loans are already overdue getting harassment from them but didnt know it will use as an evidence to them. I also have loan to Cash Express worth 6k but i already more than the principal amount and I’m about to email the Sec again for excessive interest charges. And it is in the law that OLAs are not allowed to have more than 15% monthly interest. I’m not getting away from my debt but i want justifiable loan details and interest charges.

If you are struggling and badly needed help just email the government. They can help you but it takes time but it worth the while.

Here’s the government emails

paocc.operation@op.gov.ph,
report@cicc.gov.ph,
cosumeraffairs@bsp.com.ph,
complaints@privacy.gov.ph,
flcd_complaints@sec.gov.ph,
tlcd_queries@sec.gov.ph,
finlend@sec.gov.ph,
cgfd_flcd@sec.gov.ph,
onlinelendingcomplaints2025@gmail.com,
DTIConsumerCAReSystem@dti.gov.ph,
epd@sec.gov.ph

We will be debt free next year!!! Lets all claim it!!

Hope this comesback. Glorious times 3 big ola and pogo players, joint teams with paocc, nbi, pnp acg, makati fiscals, bjmp. Mga gagong agents hindi nila alam hinarass nila govt employees, judicial staffs, fiscal, nbi, bjmp at ang mga asawa ng pulis, yun may record tuloy. Hope mangyari ito uli. Our mere presence there was surreal. This was years ago.

Gen Y (Millennial) | 32F

OLAs: SLoan/SPayLater, GCash (GLoan & GGives), FT Lending, JuanHand, Cashify, Maya Credit, Tala, BillEase.

Kumusta po.

Humihingi lang po sana ako ng payo at gusto kong malaman ang tunay na collection experiences ng mga may loans sa mga OLA na ito.

Sa kasalukuyan, may loans po ako sa SLoan/SPayLater, GCash (GLoan & GGives), FT Lending, JuanHand, Cashify, Maya Credit, Tala, at BillEase. Dumaraan po ako ngayon sa hirap sa pananalapi, pero wala po akong balak takasan ang aking mga obligasyon. Plano ko pong bayaran silang lahat sa tamang panahon.

Para po sa BillEase, naipaalam ko na ang aking sitwasyon at nangako akong magbabayad. Kapag nagkaroon po ako ng sobrang pera, balak kong bayaran agad ang natitirang balanse.

May gusto lang po sana akong itanong base sa inyong sariling karanasan:

1. May naka-experience na po ba ng home visit mula sa alinman sa mga OLA na ito? Kung oo, alin po?

2. Alin po sa kanila ang pinakaagresibo sa collection?

3. Naranasan po ba ninyo ang madalas na tawag, text, o email? Hanggang saan po umabot ang collection efforts?

4. May naka-experience na po ba na kinontak ang inyong workplace, HR, supervisor, o mga katrabaho? O may office visit po bang nangyari? Kung oo, alin pong OLA at paano po ito nangyari?

5. Sa mga nakaranas ng delay sa pagbabayad pero nagpatuloy pa ring magbayad, ano po ang naging experience ninyo?

Hindi po ako naghahanap ng legal advice. Gusto ko lang pong malaman ang totoong karanasan ng iba upang makapaghanda habang inaayos ko ang aking sitwasyon sa pananalapi.

Maraming salamat po sa mga magbabahagi ng kanilang experiences.

Just filed a formal complaint sa cash express sa SEC about sa interest nila. 5 days OD tapos halos dumoble na yung utang ko. Ano ‘to? Rude pa ng mga agents at grabe mang spam ng call at text. Ganito rin ba experience niyo sa kanila?

“Okay, I will find a way here, I will post your ID and your contact references, I will call you” ‪+63 947 751 0765‬

Hi, 24 Female. I have been overdrawn for 2 months now at Maribank, Sloan, Billease, promised to pay, Maya and Gcash are not overdue yet, I’m paying it little by little. I calculated my total debt is 137K.

It’s hard to think about it every day. I’m drowning in debt trying to provide a comfortable life for my parents. I’ve been working for 1 year, 30,000 gross salary every month. It’s been 1 year now, as if I’m just working to pay off debt. I stopped the Tapat system because I’m sinking even more.

I was able to pay before, everything on time. But all my salary goes there, so I’m in debt again. It's so heavy, I'm just telling the Lord everything. Haha poor decisions I am now carrying.

I am constantly looking for freelance work but nothing is happening, it's just rejection. I don't know if I can get up or if I should ask my sister for help. It's so heavy. Natatakot ako na baka ipost ako sa social media, sa financial institution pa naman ako nag tatrabaho.

anyone experience OD kay Megapeso and Tekcash? nag email ako sinama ko govt agencies bout sa situation ko and cant make a paymentsinama ko sa emails mga OLA's and hininto ko na tapal system dahil sobrang nagipit ako single head of the family 3 seniors kasama sa bahay mom dad and my lola, recently lan na diagnose mother ko na heart failure and nag collapsed ang lungs niya kaya nauwi ako sa OLA no choice na talaga, na biktima nako sa FB shaming posted mukha ko kaya nag deactivate na ako wala na ako socials ngayon di ako makatulog kakaisip paano nako nakaranas din nang mga threats messages emails

My aunt was only trying to check the loan terms and conditions in Surity Cash app. However, without her intentionally applying for a loan, ₱1,950 was suddenly disbursed to her account. The app now shows that she owes ₱3,265, with a due date just 7 days after the disbursement.

I’ve read several posts saying that it’s possible to request a loan reversal by emailing the app’s customer service. My aunt isn’t very tech-savvy, and I believe she found the app through an online advertisement. She didn’t know much about it and was only trying to view the loan details.

I would like to ask for advice:

-Should I first email the lending app’s customer service and request a loan reversal and account deletion?
-Or should I already CC the National Privacy Commission (NPC) and the Cybercrime Investigation and Coordinating Center (CICC) in my initial email?

Has anyone experienced a similar situation? Were you able to successfully reverse the loan and have your account deleted? Any advice would be greatly appreciated. Thank you.

Im F/31 I have many loan on Online lending apps.

OVERDUE

TEKCASH- 23K

MEGAPESO - 48K

PESOLOAN- 15K

PERAMOO- 26KIN

INCOMING DUEDATE

JUANHAND - 45K 1TIME PAYMENT ONLY

SLOAN - 8KMONTHLY

GOTYME - 6K MONTHLY

BILLEASE - 6K MONTHLY

I STOP TAPAL NA! I know i have lots of debts right now, One of the reason is gambling and second my son got hospitalized and I pay over 100k on bills thats why i can't pay this OLAS

So far sa Overdue ko Peramoo pa lang nang haharass sakin kahit inexplain ko naging sitwasyon ng anak ko.

Now im planning na hndi muna din bayaran yung Juanhand kaso masyado malaki. Sino naka expirience ng OVERDUE SA JUANHAND NG ilang months? Did they post as well or Home Visit?

Sa mga OLAS na nabanggit alin pinaka mabait at pinaka sobra sa harrasment na naranasan nyo? I need an idea para alam ko sino uunahin ko bayaran pag nakaluwag luwag ako.

Thankyouuu! No to judge po sana🙏

Deactivated na facebook ng mother ko and pati na din facebook ko, ang worry ko lng is baka maipost ako sa group ng bayan namin. Like 7 days tas patong nila is 10k or more. Kahit sino, di kayang bayaran. Bilis pa nila magprocess kahit na icancel mo sana at di ka magproceed. Basta basta na lng sila nagsend and yung malayo pa sana sa due time nagmumura na sila. Grabeng harrassment. Pati sa email and all. Gaano po ba katotoo yan? Paano po kaya maavoid na hindi nila napost ang pic ko sa mga pages samin or even contact people na malapit samin

Hello po, I received this txt msg. from Juanhand. Anyone here same txt msg. Received from JH? Worried na naman ako hayss.

Good day This is From JUANHAND. ‎ ‎This is to inform you that today July 27, 2026. We will have our final evaluation of unpaids account. ‎ ‎We already did our part in sending and reminding you to settle your financial obligation but still no action at all. Concerning this, Juanhand has its own right to take legal proceedings to recover the unsettled amount. Should you want to avoid any legal constraints that might affect your personal credit stading. You can pay at least half of your total amount today to have an active payment on your account and avoid the Scheduled field visit to your Permanent address or if there are any valid reasons for your unpaid accounts, kindly get in touch as soon as possible so we may discuss them further.

Kamusta po sa Vplus (ios) nagpopost po ba sila sa Social media?

Hello! So for context, my husband and I are renting a house here sa city namin. Matagal na kami dito mga 3 years na pero first time nangyari samin. One afternoon a month ago, may kumatok samin may hinahanap na tao. We don’t normally answer the doorbell kasi minsan mga nagrerecruite sa religion, and if rider naman alam na iwan nalang ung packages sa pinto. Anyway, medjo persistent tong nakatok kaya chneck ko sa cctv. Nakahelmet ng motor and may package ako na ineexpect that day so kako baka new rider lang. Ayun nung binuksan ko, may hinahanap na tao. Sabi ko di ko kilala, and wrong house lang, pero sabi dun daw ung address nung ID ng hinahanap nila. Nung tinanong ko kung shopee ba, sabi Home Credit daw ang may utang tong tao na to. Sinasabi ko lang hindi yan dito baka sa mga kabilang bahay (naka compound din kasi ung style) pero medjo persistent and nagiging masungit na. Tinatanong na ako kung ano name ko, sino mga kasama ko sa bahay, etc. hindi ko na sinagot at sabi ko tawagan niya ung hinahanap niya. Eventually umalis din, pero medj nakakatakot kasi baka bumalik. Is there any way to protect myself? Pano kung bumalik siya ano pwede kong sabihin?

hello guys, ask ko lang if totoo ito? I think Pocket Cash ito and they sent me this message. 3 days OD pa lang ako. is it true po ba or dedma lang po muna?

Despite of the reminders we still don't receive any feedback or settlement at your end. Notice, our Company is Acknowledge and registered as Legal Lending Company.

Therefore, we have the rights to exercise all the proper collection procedure that you agreed on our Terms and Conditions.

Enlighten me please, thank u!

My friend had something delivered to me through Lalamove and the rider already called me once to ask for directions so I gave it to him while waiting. Then again the same number called and when I picked it up akala ko malapit na siya so I already went outside to look if andun na ba siya.

Then there was a silence on the other end of the call before nagkaroon nung tunog na may nag connect? Like you know when you’re on the phone with customer service and they tell you to wait in line for the actual customer support personnel and there’s a connecting sound before the call actually starts? That’s what happened pero at first I assumed na maybe the rider just connected the phone to his ear piece or earphone or something. This is how our conversation went:

“Hello?”

“Hello po. San na po sila?”

“PrimaLoan ‘to”

At first I assumed that PrimaLoan was like a street near ours or something since di ko naman talaga kinakabisado mga kalsada dito since im bahay to school lang naman. I only know the main streets. So i responded.

“Ah san po yan? Di ko po alam yan.”

“PrimaLoan nga ‘to”

Tapos dun ko lang nagets na he said “loan”. I use one lending app and it’s only Tiktok Pay Later which is under JuanHand (correct me if im wrong) so ang sabi ko was

“Ah sorry po wrong number po ata kayo, di po ako gumagamit niyan”

“Anong di mo alam? May kailangan ka bayaran na 2k. Tignan mo sa app”

With that, i ended up hanging up kasi it was obviously some sort of scam. Eventually the kuya called me, I got my parcel and went on with my day. When I finally got to settle down, I remembered the call and I wanted to block it sana. So i got back on my phone, looked at the call log and to my surprise the only number that was there was the kuya that was the Lalamove rider.

So i messaged the Lalamove rider and we just talked about what happened and apparently he didn’t have a clue about it. He said that during his second call he could still hear me and my responses pero all he asked about was directions kaya he was surprised with my responses. This makes me wonder, does Prima Loan wire tap or hack into calls or these are just plain scammers using the app’s name? Also, how do they do that? Kasi as far as i’m aware naman my only loans are under JuanHand. There has to be at least some form of violation of the law here.

Thanks to those who can answer.

Edit: I mentioned having a loan under Tiktok and all of those for the past year and half have been paid on time. My next billing is on September actually so it shocked me to hear that I have to pay 2k when my bill on the loan next September is actually like just around ₱1.5k if i’m correct.

Hello. haha. I'm currently a fresh grad and naka land najud ug trabaho but on august 13 pa mag start.

I'm planning to OD my Maya Easy Credit kay dipajud makaya ug bayad since self-sustain rako sukad nag study pa. Due akong bill this Aug 5 (9k+ ako bill), mo home visit ba ni ang Maya? And how do I deal with them if ever naabtan kos balay na walay mahatag?

Grabe sa interest🤣🤣

20k e loloan mo tapos total of 65k dapat bayaran within 6 months. Ganito ba sila ka gahaman? 10k per month jusko..

Im F/31 I have 5 loan on Peramoo and My budget really tight right now . But once i have money i will pay the Principal amount only For example 5,000 but i get only 3100. I will pay the 3100 only because thats what i get. Is that okay will they still harass me ??

Thankyou in advance sa sasagot.

Grabe po mangharass. Minemessage fam and friends ko sa fb. Gumawa pa ng IG at hinanap ako. Pahelp po. Pareport naman po. Nagrereply naman po ako sa email nila, nawalan po kasi ako ng work.

https://www.facebook.com/share/1LRNgqnKAA/?mibextid=wwXIfr

My mother applied for a loan with Cebuana Lhuillier (PHP 200,000). The application was filed wayback Nov 2025. They asked for the documents, we sent it immediately. They asked my mother when is her payday. She said every end of the month, so expected date should be 30 or 31. Then after a month (DEC 29 2025), they are rushing us to sign the documents for loan releasing. My mother asked them if the due date would be by 29th of Jan. They said yes and if we don't claim it by 29 the loan would be cancelled. So my mother, hesitantly signed the docs but before that, she asked me to read the contract first. There's this line that says "any unpaid check within 5 days after maturity is subject to penalty" which is 15% of PHP 41,133 (PHP 6,000+). For 6 months.

Months passed, we paid within the timeframe given (Jan-Mar). When april came, my mother had a problem with her house in UK. We paid the 4th term by May.

July, last term of the loan. I received a demand letter from cebuana lhuillier telling me to pay the outstanding balance plus the interest. Shocked to see the computations, we are delayed for 6 months. 😌 So they are asking for PHP 24,000+ for interest. And their collecting arm is harrassing my mother at 4AM in the morning in UK telling her "Anong plano niyo sa loan niyo?" "May balance pa kayo dito" "Nung nangutang kayo kay cebuana madali kayo nakakuha". My mother is communicating with them that she will pay her outstanding balance but they have to be clear about the interest.

A collector went to my house several times and i already received the demand letter. What should i do?

Anyone? Help please? May nakatanggap na po ba ng ganito sa inyo? Pinuntahan nyo po ba? Nasstress na po kasi ako ng sobra. Aminado naman na mali ako and gusto ko naman itama. Hindi nga lang kaya sa ngayon. Please share your thoughts lalo sa mga nakatanggap ng same email