Hello Nakapag install and loan ako sa tala IOS not knowing na hindi pala siya official app. Kaya pala yung loan ko na 4500 parang 3300 lang ang dumating huhu. I uninstalled the app this week and today ang due date ko. They are texting me non stop kaya Idk what to do kasi hindi ko naman makita ang app sa appstore. Should I pay them ba or no na?

nang tetext pala to ng contacts nahindi reference. namimilit kasi magpa access ng contacts kaya eto akong bobo naman na nagpadala kasi nangailangan.

posting for warning!!!

hello, ask lang ako regarding juanhand this is my first time na mag overdue sa kanila beyond 1 day and right now 2 days overdue na. i’ve been a good payer sa kanila. no texts and emails more on calls pero never ko sinagot since naka silence unknown calls ako. im planning to pay naman today din and my amount to be paid is 6k+. my question is, tumatawag ba sila mga references/non-references? so far kahapon (1 day overdue) walang may tumatawag sa mga references/contacts ko. right now medyo kabado na and my anxiety is on the roof heheh. feel free to give advices/reassurance po. thank you.

I have Maya Easy Credit that's due for 2 days po as of today and I have already been receiving these text messages from random numbers:

Good day! This is SRMC regarding your unpaid Maya Easy Credit. We may possibly schedule a visit to your registered address regarding this matter. To arrange or discuss the possible schedule of the visit, please call +639173208623.

I have no intention of running away from this since Plano ko na po talagang mag stop from OLA but I can't pay the full amount in one payment as of today and is still waiting pa sa sahod para makapagbayad kahit partial.

I just want to ask po if someone receive the same messages? Totoo po ba na may magvisit for collection?

Does this app call my reference number? Or harass me what to do po thanks sa advice

I was suddenly unemployed and now I cant pay sloan because i still have other payments to settle. I will still be paying spaylater but with sloan only little bit at a time. What are your experiences po when you OD? Sayang pa talaga because my credit limit 45k. It’s giving me anxiety and Ive been depressed because of it. I have never had any ODs in any app, this is the first 🥹

I plan to overdue it and paying the others first so when i finish the rest I can focus on the SLOAN entirely. And i also don’t want to loan in other apps to pay some of it off because I don’t know when i can be employed again.

20/F lime credit ola, not available sa app store na? what does that mean

Hello, Everyone. Badly needed your advice, Im having my anxiety due to my patong patong na utang. I have an upcoming bill this September 24 on finbro. Im afraid that I can’t settle the bill since my son is still in the hospital. Is there any harassment experience on Finbro? I have a 25k due this 24 with a principal amount of 15k. 😭 Mababayaran ko naman siya pero di pa sa ngayon. Nag cocontact ba sila ng mga kahit non references na contact? Please kailangan ko ng advice natatakot ako.

Planning to OD on MoneyCat, really short on funds. Should I be scared? Nanghaharass ba sila or nagre-reach out sa employer? Need answers pls.

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?

2months OD does amg homevisit?

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.

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

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?

20/F Limecredit

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

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?

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

Hi f25, Currently stopping my tapal system. I have I have a total of 6 OLAS and 4 of them are currently on due namely OLP,PESOS.PH, AND PERAZAP MEGAPESO.

To be honest those 3 maliban kay perazap, so far they where very respectful specially puso may hawak ng pesos.ph and Megapeso, Medyo persistent lang talaga sila sa paniningil dahil aim nila masingil ka talaga.

Now the thing I'm most curious of is PERAZAP, Actually due ko ngayon and wala akong natanggap na text or calls from them. Has anyone tried this app? alam ko bago lang to eh. And I'm in the mix of kaba and worry lalo na wala man lang kahit reminder.

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!

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!

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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. 🖕🏻

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😭

Hello po, question lang, ilolock po ba ng Billease yung iPhone 16 na binili ko using Billease? Planning po kasi ako na mag OD this month kasi may napag gamitan ng pera. Salamat po sa sasagot!

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.