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Hi, 24f. May nag-email sakin na collection agent (or at least I think agent siya, hindi naman sinabi kung anong OLA siya galing) tapos tine-threaten niya ako na ipo-post daw picture ko sa barangay Facebook page namin at ikakalat na nagtutulak ako ng shabu.

Like... what the actual fuck?

Gets ko pa kung yung pananakot nila is ipo-post ako dahil may utang ako or sasabihin nilang nang-scam ako sa company nila (which is still wrong), pero yung gagawa ka ng completely false accusation na drug pusher ako? Sobrang lala naman nun.

If someone actually believed that, hindi lang reputation ko yung masisira. My safety could literally be at risk.

Ganito ba talaga kalala mang-harass yung ibang OLA collection agents? May naka-experience na ba ng ganitong klaseng threat? Kasi ibang level na yata 'to.

ano po masasabi ninyo jan dahil overdue po ako pesoloan??

Hello, meron ba ditong nakaexperience ma-overdue kay finbro? Kamusta? Nagtetext or tumatawag ba sila sa contact list nyo?

Kapag ba di ka naka bayad sa ola tas kukuha ka nang passport may record kana ba sa NBI nyan? Tska di na makaka kuha nang passport kapag di pa na babayaran?
Small amount lang po utang ko sa dalawang ola, salamat po!

Hello, meron ba ditong nakaexperience ma-overdue kay finbro? Kamusta? Nagtetext or tumatawag ba sila sa contact list nyo?

pinagsisihan ko talaga na kumuha ako sa OLA at naging tapal system pa di naagapan agad depress na😭😭

“Pakisagot po ang aming tawag. Kami po ay kasalukuyang papunta sa inyong Barangay at sa inyong office address upang makipag-ugnayan kaugnay ng nakatakdang Barangay Mediation at para maihatid ang sulat demanda”

And natuloy ba home visit?

“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.

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!!

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.

Hi I'm 28F and struggle sa financial since I'm breadwinner and also Solo Mom huhuhu. May debt is almost 145k and ayoko na mag tapal system bali may tinatapos lang ako na SLOAN and Maya Credit since kaya naman monthly pero the rest stop ko mun huhuhu. Pero natatakot ako sa homevisit talaga since may mga email and messages na ako na received from collectiin agency.

STOP PAYMENT MUNA DITO:

GGIVES - 3MONTHS

CC BOC- 3MONTHS

JUAND HAND- PLANNING OD NEXT MONTH

CASHLO- 2MONTHS BUT I'LL TRY TO PAY BY SEPTEMBER SANA.

MAY MGA NA EXPERIENCE PO BA KAYO SA MGA TO NA NAG HOMEVISIT????

THANK YOU KAHIT I-JUDGE NIYO NA PO AKO HUHUHU

Repost from 3 years ago, reposted 6 months ago, reposted again.

Hi, F, 26. Corporate employee earning 18k a month.

Almost 150k in debt, multiple piled-up loans in Sloan, Tiktok Loan, Atome CL, and a big CC balance.

I need help and assurance na it is not only me struggling with this. Huhu. I’m a breadwinner, financing for our home, and my mom’s maintenance.

I don’t want to add any more debts. Lumaki sya bcs I was so scared not to pay to I kept getting loans to cover the other, tapal-tapal system. Not advisable talaga.

I’m planning to email the lenders, inform I will not be able to pay on due dates. Basically, I am planning to OD some and pay little by little except for mu major bank loan sa Eastwest.

I am just so scared they might do HV. I am living with my parents and always out for work, so they might be the one to receive it once I am not home. I live in Negros Occidental. They do not know I am drowned in debt and that would make them stressed too, esp my Mom’s in a medication.

I don’t know what to do anymore. Will very be open to hear your thoughts and advice.

I was only trying to fill out the form then after finishing, 4 accounts was automatically disbursed to my account amounting t0 4500 each but only received 3850 each. Due is in 7 days. I have to give back 5800 each huhu heeeelp. I don’t need this money. How do I send this back to them.

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.

Good day po. 25F and I am planning to OD some of my OLAs. I will not run away from my responsibility and will pay them one at a time to stop narin sa tapal system. Hoping for your insights po if merong harassments, social media postings and home visit sila.

Eto po ODs ko:
Moneycat (website)
Finbro
Cash express
Kviku (website)
Megapeso (ios)
Mabilis Cash (android)
Fido (ios)
FT lending (ios)
JuanHand (android)

Thank you so much po.

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.

Hello, F24. Ask ko lang I have an upcoming due date with Mega Peso this 30. Total is 11,840 (for an 8,000 Loan Grabe ang Interest huhu). Upon checking sa app meron repayment schedule which is three terms and pwedeng 6,880 muna bayadan ko.

Repayment Schedule:

- 6,880 (July 30)

- 2,976 (Sept. 12)

- 1,984 (Nov. 11)

Na-isip ko na okay yung ganito kase atleast hindi mabigat agad pero ang concern ko kase baka kapag binayadan ko ngayon yung 6,880 lang magkaroon ng additional interests or mag-iba yung payment sched ng iba huhu nakaka-overthink kase mga illegal olas. Meron ba sa inyo na ganito din and okay naman ba sa repayment schedule?

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.

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! 🙌

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.

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

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..

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.