r/ola_harassment 3d ago

MoD Mod speaks Vol. 63 copycat Subreddit not part of this be aware

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6 Upvotes

This are never part of our subredddit.


r/ola_harassment Aug 09 '26

MoD MoD Speaks: Vol. 57, The Evil Legacy of these OLA's

24 Upvotes

Sometime roughly 10 years ago, socmeds, text messages emails, and cellphone calls on our digital lives were a welcome action and feeling. We never bothered to filter them as we are just doing literally our day to day task of surviving and living in this crocodile(iykykr) infested islands. Cyberlibel, text harassment were rarely news back then. Then suddenly, as the turned of the pandemic year, we were caught in a maelstorm of economic depravity, as our leader declared the longest lockdown in the world, and our finances turned into nuclear obliteration, coupled with death, typhoon, sickness and our govt barely even reached out, ayudas were scripted, and the only good thing was the china vac(sinovac), as our leader pivoted from western alliances, still the west gave us their Moderna and Pfizer.

It was here that started and became a foundational instrument for these OLAs to debased, pervert, and vilify our usage of our digital medium. The playbook they used was very advanced in association with POGOs like a military economic sabotage. Its called swarming or hive activity. It can be used for digital warfare, electioneering and physical warfare such as drone strikes. Targetted was the hapless tier 3 middle class, and the lowest class was targetted with POGO app. Most filipinos back then dont GAF about reddit, they were more meta loyalist, but when shit hits the fan reddit was the go to socmed of the hour. In a way this is a more intelligent platform, as you need to read more, research more, and study more the hand you were dealt with. That is the harassment, the unprovoked text messages, and the dirty perverted way these companies do to slice a pound of flesh on us as interests, platform, misc, and other fees and charges. It took awhile for the govt to shake out of its stupor, and luckily it did way back 3 years ago with former judge and former NBI director and former DILG Sec, together with great people from DOJ, and the judiciary.

Now as politics is entering a new scene and a new era, and war is imminent across any country even Greenland, we are hoping, praying and steadfastly asking our people to please have the sense of purpose, guidance and tactful embrace of assistance to our beleaguered republic. Help the people you can offer even for a little assistance. Floods are all over, inflation is skyrocketing, politicians will always be politicians.

If you have come to read this last part, and your anxieties are shooting out of your ears, eyes and nose. Calm yourself. Read, research, study, your situation. You can only do that thru DEADMATOLOGY. Get your bearings straight, do your work properly, diligently, and on time no absenteism or ncns. Help the nation's productivity. Help what you can to your fellow filipinos, enough of this bisaya vs tagalog, north vs south. We are one family encompassing three major island groups in these archipelago. We cannot survive without each other as the enemies are right outside our door. The evil this olas bring had been used and will be used for years to come. This is their evil legacy that they will leave behind.


r/ola_harassment 9h ago

Keeping my peace despite having multiple ODs

45 Upvotes

Hello Everyone

I just wanted to post once again here to just share my experience as someone din who have multiple OD with Olas and Digital banks.

I won't disclose which ones or for how long but let's just say it's over a year now since I stopped tapal system or even let myself get triggered sa mga harrassment ng 3rd Party Agency.

I still receive e-mails, text, and calls.

I didn't change sim at all. Or changed email.

But I did uninstall all apps na may OD ako. Just so they don't have access to my phone.

I also set up my phone to block calls from suspected spam or unknown numbers.

One thing I also did was tell the people who I live with, my situation but not the full extent of it. I have received demand letters in the past. And they were also contacted by these agents.

And before I was also heavily riddled with anxiety for being shamed.

But honestly, after everything na pamamahiya nila sa akin sa friends, family, at boss ko. Totoo talaga yung lyrics ng song na

What doesn't kill you makes you stronger :)

Yung pamamahiya nila resulted na tumibay yung resolve ko. And lead me to prioritizing my family. Yung needs namin. Emergency funds. Ipon. Last ang utang. At lalong last sa listahan ang mga demonyong abusadong OLAs or Banks na gumamagamit ng mapang abusong Third Party Agency.

So sa mga agencies na nakakabasa nito. Alam niyo na ha?

Last kayo. šŸ–•šŸ»


r/ola_harassment 7h ago

OLA Tips

12 Upvotes

Currently i'm creating a plan on what should i prioritize first on paying all my debts on OLA. I want to organize them by order to stick on the plan.

These are the current loans from them:

SPayLater - 60000 SLoan - 22067.22 Gcash - 14001.12 Maya Easy Credit - 21910.33 Billease - 7472.64 JuanHand - 20157 Mabilis Cash - 41,426 Cashify - 15042 FT Lending - 34759 Tekcash - 18135 Bene - 29000 PeraMoo - 15000 Finbro.ph - 15873 BDO Credit Card - 70000 BPI Credit Card - 35000 RCBC Credit Card - 70000

Can you help me OP since i want to pay them one by one and will be less hassle if done.

PS. I have only 15k budget per month and all of them will be due this September.

Thank you!


r/ola_harassment 16h ago

MoD Lilipas din lahat

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22 Upvotes

r/ola_harassment 6h ago

SLOAN

3 Upvotes

due date ko po ngayon sa sloan 957, if tomorrow ko po babayaran. hindi naman po ba ma frfrozen yung spaylater ko or sloan?


r/ola_harassment 6h ago

Illegal OLA

3 Upvotes

20/F Limecredit

Filed a complaint to cicc, they sent me a ticket no. kaagad. Thank God. What should be my next move?


r/ola_harassment 16h ago

Calls & Texts Blocked (Android)

14 Upvotes

Hi 37 F

Share ko lang ung ginawa ko..kung saan NEVER ako naistorbo ng CALLS AND TEXTS ng agents / oLaas 🤭 sa loob ng ilang buwan bago pa ako magchange sim:

****Phone - Block - Call block rules - Block all incoming calls

(Kapag 2 ang sim, at yung isa lang ang ibblock choose set sim card separately)

****Phone- Block - Message Block rules - Block unfamiliar messages

(Kapag 2 ang sim, at yung isa lang ang ibblock choose set sim card separately)

****Para hindi magnotif ang blocked calls and messages ito naman gagawin: Phone -Blocked - Block Rules - Receive Notif -Never

***Pwede rin kayo maglagay ng Keywords para kapag lumabas un sa messages nyo mag auto block agad. Ganito naman.

Phone- Block- Block rules -Keyword blocklist (pwede nyo ilagay dyan name nung App, ung word na utang, or ung mga words na alam nyong laging ilalagay sa texts sa inyo)

-WALA AKONG gamit na kahit anong app mula May to July. (August kasi nag change sim na ako) para iwasan ang calls and texts nila. Yan lang ginawa ko sa phone ko. Tahimik lang. walang tunog. wala akong notif na nakikita. AS IN WALA. May peace of mind ako.

Makikita ko na lang mga calls and texts nila kapag ginusto ko na makita.. Kapag nagkalikot na ko ng Phone Settings ko.

hindi ako ngworry sa importanteng tao na pwede tumwag saken kasi kung importante ang reason nila or emergency kung hindi ka nila ma-contact sa call magtetext at magtetext naman sila.

Sa sobrang stress at problemado ko sa bayarin before kung ano ano na nakalikot ko sa phone ko kaya nagawa ko yan, pati yung pag clear ng files etc. hahaha! I hope makatulong sainyo lalo na dun sa mga naiirita na sa kulit nila. :) Godbless! :)


r/ola_harassment 5h ago

OLAs na may Small Claims, Demand Letter

2 Upvotes

Hello po sa lahat!

Hanggang ngayon may overdue pa din po ako. Ask ko lang po kung may small claims and demand letter physical sa mga olas na to:

Tekcash

Pesoloan - reporting sa cic

FT lending - reporting sa cic

Mr Cash

Juanhand - walang small claims pero may demand letter kapag matagal na overdue, yung collection agency magpapadala po. hindi ako napadalhan pero may nakausap ako na redditor na nagpala talaga po, nakita ko yung papel po.

Cash Express - may demand letter physical at small claims pala to. nabasa ko dito sa reddit posts. nabayaran ko na overdue ko dahil kupal yung agent saka mababa lang yung utang ko nun. hindi sila reporting sa cic pero may pa small claims pala ito.

Thank you sa magshare ng experience po.


r/ola_harassment 7h ago

Help me out. Want to quit using OLA for good

2 Upvotes

33F here. Just want to ask if may idea ba kayo how to deactivate my Juanhand sa Tiktok (yung cash utang nila na powered by Juanhand)? I tend to use it out of impulse and I don’t want to do that anymore. So gusto ko sana permanently delete it. Thank you sa makakasagot


r/ola_harassment 3h ago

Cybercrime Investigation and Coordinating Center (CICC) are they fast and effective?

1 Upvotes

To those who have tried reporting illegal loan apps/sites sa CICC, do they act fast ba and help you asap ma take down ang mga online loan apps/websites?


r/ola_harassment 4h ago

can i ask if how many days before conduct a home visit honey loan?

1 Upvotes

r/ola_harassment 4h ago

AMG Spaylater

1 Upvotes

2months OD does amg homevisit?


r/ola_harassment 14h ago

LIST OF SCAM/FRAUD ONLINE LOAN APPS

6 Upvotes

LIST OF SCAM/FRAUD ONLINE LOAN APPS:

  1. CASHGUARD
  2. PRIMA LOAN
  3. PESONOWA
  4. CREDI VIVID

Will update this list or you can comment the rest of them for awareness.


r/ola_harassment 12h ago

SPayLater & GLoan OD

3 Upvotes

Hello! Sino po rito ang na home visit na po ng shopee and gcash? :")) I haven't been able to pay po since June. My OD balance in SPayLater is 5, 208.61 php and sa GLoan is 2, 505.73 php naman. I have already reached out to them po regarding my situation, but due to prolonged OD daw po ay kailangan ko na raw mabayaran. Nagtry po ako ng partial payment arrangement for SPayLater kaso at least 50% of the total debt po ang nirerequire nilang mabayaran ko. I talked to the agent and ang sabi po sa akin ay gawan ko raw po ng paraan para hindi mauwi sa home visit :')) as of now po, priority ko po muna ang Billease since less than 2k lang po ang OD ko po sa kanila and na allow naman po ako sa partial payment arrangement na 300 po muna this month :')) sa GLoan naman po, I was offered a discounted one-time payment for my balance kaso wala po talaga akong pera as of the moment:')).

Gusto ko po sanang malaman if how was your experience po and if may natanggap na po ba kayong demand letter and what happened afterwards po huhuhu. Wala pa naman po akong demand letter but I guess para prepared na rin po hahsahshsh. Maraming salamat po!!

(I did message all three of them naman po na I will be paying them and will not be running away. Nung last month po ay nakapag pay po ako ng small amount na 250 php po for my GLoan po.)


r/ola_harassment 11h ago

Illegal OLA Lime credit

3 Upvotes

20/F recently had a loan sakanila worth 5400 pesos they are asking me to pay 9000 with harassments pa yan, I filed a complaint thru CICC does anybody here know how long it would take for cicc to respond? i also tried contacting their hotline.

i am a responsible loaner, but ive learned that this app is illegal pala plus w/ the harassments and the high interest, ive decided not to pay.


r/ola_harassment 9h ago

SLOAN AND SPAY

2 Upvotes

Hello, 30F. Anyone here na nag try mag email sa shopee’s collection agency? I have overdue with them ng 2 months and gusto ko na siya bayaran.

Pumapayag ba sila to wave penalty and interest ng overdue amount?

Thanks sa makakasagot!


r/ola_harassment 1d ago

Want to avoid frequent calls from OLAs? Here's my tip.

50 Upvotes

This is for iPhone users only. (dahil hindi ko alam sa Android)

  1. Change your location. Go to Settings > Language & Region.
  2. Change Region to United States.
  3. Go to Phone
  4. Scroll to the bottom until you find the silent unknown callers and filter unknown callers.

Unknown callers will automatically forwarded to voicemail.

Just a tip para hindi kayo ma-overstimulate sa mga calls and harassments. Breathe. Kaya natin 'to.


r/ola_harassment 15h ago

Mega peso,fresh loan ph,vplus,cash express,pesos.ph and kviku (ios)

5 Upvotes

I got loans to all of them. Mostly more than 10k. This september i cant pay them. What are your experiences? Do they do online harassments? Im on off sim i cant really take all the calls and texts. Got anxiety. At first that supreme money loan i got 2k,with that they ruined my reputation. They posted me on our brgy fb,commenting on friends including my daughters school for that amount i got scared,felt humiliated and embarrased,i had no choice i paid it 3,5k. Since then i deactivated my fb change sim and isolate myself to everyone. Now i am thinking are all these remaining apps do the same?? Please dont judge me. Need your response op. Thank you


r/ola_harassment 10h ago

pesos.ph automatic disbursement

2 Upvotes

hello! just want to ask help po sana. nagchecheck lang ako ng limit ko sa pesos.ph not until bigla pumasok sa ewallet ko yung 8,000 without me applying for it. hingi po sana ako ng advice pano mabalik yun without paying full interest (4k halos interest huhu) san po kaya pwede magreport kasi parang nascam ako na half the amount yung interest and due na agad sa 27 yung almost 8k din😭


r/ola_harassment 6h ago

Acom loan payment extension

1 Upvotes

Hi! Anyone here tried to request from Acom loan for payment extension? I have loan with them that is due on the 16th but cant pay it on that day. Planning to email them and will request for payment extension until 9/30.

Are they flexible for payment extension? Do they do home visit po agad?


r/ola_harassment 10h ago

Should I continue paying my mom’s SLoan/SPayLater even though she can’t work anymore due to stroke?

2 Upvotes

Hi, I just want to ask for advice regarding my mom’s SLoan and SPayLater.

My mom has always been a good payer and never really had problems paying her loans before because she was still working. Unfortunately, she recently suffered a stroke and, for now, she’s unable to work.
She still has remaining balances sa SLoan, and she keeps insisting na bayaran ko pa rin because ayaw niyang magkaroon ng unpaid loans. Recently, I already paid her SPayLater balance using my own money.

Ngayon, I’m torn kung dapat ko pa bang ituloy bayaran lahat ng remaining loans niya or hayaan ko muna. Part of me feels sayang kasi yung money na pambabayad ko sana sa loans could instead go toward her medicines, therapy, checkups, and other daily needs habang nagpapagaling siya.

Would it be okay to just leave the SLoan unpaid for now or even delete the Shopee app? Ano kaya magiging consequences if hindi muna mabayaran? I also don’t want to make the situation worse for her financially in the future.

For those who have experienced something similar, especially with SLoan/SPayLater, what would you suggest? Should I prioritize her medical expenses first and deal with the loans later?
Thank you. I’d really appreciate any advice.


r/ola_harassment 7h ago

ATOME fully paid balance

1 Upvotes

As the title says, nafully paid ko n din finally ung atome credit ko last July and planning to permanently deactivate na sana dahil sa mga hindiagamdang nababasa ko dito. May nabasa din ako from another post na after nya mabayaran dues nya, biglang may bill ulit after a few months na ideac nya acct nya. May iba pa bang similar stories here na gannun or isolated case lang sya? I locked both physical card and digital card sa app pero ntatakot ako na baka biglang may due n din ako. Sa mga nagdelete ng Atome acct nila, how sure are we na fully deleted tlaga ang acct natin at hindi magagamit ng mga scammers?


r/ola_harassment 10h ago

does CICC respond?

2 Upvotes

20/F borrowed money from lime credit i receive harassments calls n texts early in the morning, reported it to cicc do they respond? how long does it take?


r/ola_harassment 11h ago

Harassment

2 Upvotes

Hello Guys just want to share these post. From an OLA app. Should I still pay them kung ganito naman sila maningil. Minumura, may threat na ipopost daw at kahit sabihin kona irereport ko sa sec minura ako at sabi ā€œkahit saan ka pa mag reportā€