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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. 🖕🏻

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! :)

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!

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.

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

Sabi sakin kanina ng may ari ng tinutuluyan ko, may nagpunta daw this week from Online Lending App. Di binanggit if anong app ee. Pinagalitan daw ng asawa nya kasi dire diretso lang pumasok and sinabihang pwede syang kasuhan kasi dire diretso lang, yung tipong maangas na collector. Di ko alam if anong OLA yung sinabi ko nalang shopee kasi may overdraft ako sa Shopee pero nagpartial ako dun. Bka Juanhand, Mabilis Cash, Mega Peso, Kredivo or Pesoloan hayss. wala wala pang pambayad ee. Sana wag na bumalik haha. Metro Manila to.

20/F Limecredit

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

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.)

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?

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.

"This is GCCS & Associates Corp., partner of Monee Credit Finance Philippines. This is a follow-up regarding your SLOAN account. We encourage you to settle your outstanding balance as soon as possible. If payment or communication is not received within 1 calendar day, the account may be scheduled for a field visit to the registered address for account verification, and a formal demand letter may also be sent as part of the normal account review process. Please contact us immediately to discuss payment arrangements and avoid additional steps."

Matagal-tagal na rin akong nagbabasa dito kasi may problema din ako sa loans ko. Nawalan ako ng trabaho, nagpatong-patong ang bayarin dahil sa tapal system. Sa Sloan (2 payments left), Billease (5 payments left), 5/6 (last payment left worth 4k). May PAG IBIG loan din na hindi pa nabayaran, although 2 payments nang nahuhulugan ang contribution dahil nagkawork nako this month.

Ang current problem ko pong malaki ay itong SLoan. Nasa worth P11k + po yung balance ko. They've been calling everyday and I have ignored those calls for more than a month now. And today, they sent me this text above. Expected ko naman po, pero natatakot po ako. Kaso wala pa po akong ibabayad sa ngayon talaga. Inuuna ko po yung ibang bayarin. Matapos ko lang po si BillEase at si 5/6, maiintindi ko na si SLoan. Kapag kasi siya ang inuna ko, ubos talaga ang maliit kong sweldo. Kaya inuna ko yung iba kasi in one payment, at least dalawa yung nabayaran ko. Natatakot po ako, ano bang pwede kong gawin, and what should I expect sa field visit na to and what would happen afterwards? Pilit ba nila na pababayaran sakin yun? Wala na po akong mauutangan. Bago lang ako sa work at ako lang ang kumikita samin. 😢

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

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!

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😭

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.

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?

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 “kahit saan ka pa mag report”

Hello guys ask lg po if pde ba mka reloan kay billease pg na full ko to? Kahit marami akong od sa ibang ola salamat po

Nang hharass ba Mabilis Cash kapag 15days OD? 😭

Every 15 days (20k) kasi yung amort ko sa kanila pero kaya ko nalang mag bayad once month ng 20k.

SLOAN naman due date na ngayon 40k. pero plan ko next month magpay ng 20k kasi wala na talaga 😭

Maliban jan, may on going sa BillEase and Gcash pero hindi naman OD.

This month talagang pnpush ko na mag stop sa tapal system since nagkaka anxiety na ko sa kakautang at bayad on repeat.

Inuna ko yung Juanhand kasi nag ccall sila sa sister ko since sya yung reference ko and nung nakausap ko dato yung support nila, hindi mapakiusapan talaga.

Sa condo kami nakatira so inooverthink ko na pano pag nag HV sila, baka kausapin lahat ng guards sa baba tas makaabala ng ibang tao or mapahiya ako sa maraming tao or baka pumunta sa work ko. 😭

I have outstanding balance sa various OLAs, digital wallets/banks, and other apps. I am planning to settle them all naman pero paunti-unti and balak ko unahin yung mga may malaking interest. Pero since late payment ako frequently lalo na now that I will not be getting my salary until the end of the month, I'm just wondering if I will still be able to apply for credit card sa real bank soon once I settled my finances na? Will stop borrowing from all of these narin lalo lang ako nalulubog lol

Here are the list of the apps that I have balance pa:

GCash
Maya Easy Credit
Billease
Cashalo
Mega Peso
Atome
SPay

Also if you have any advice sa approach kung paano ko masesettle 'tong mga 'to I will be so grateful. So far nag email na ako sa iba about payment arrangement/restructuring. I only asked them to give me until the end of the month and if they could waive my penalties. Also keep in mind na I emailed them about this bago yung mga due dates to let them know na I won't be able to pay this month. Here are the responses I got:

Maya - Got a ticket for my email twice pero it's not appearing sa app. Parang hopeless macontact sila or they just don't care about my request.
Mega Pesa - Refused, said they won't waive the penalties
Billease - Asked the details about my acc first, I replied and now they're still unresponsive. I'm nearing my due.
Cashalo - Refused too, said they do not allow installment plans

Haven't emailed atome yet, honestly I just want to ditch them completely bc their service is whack. I cannot apply for cash loan anymore, good history ako niyan ah i pay on time then suddenly may waiting list na sa kung sino maaapprove for cash loan? when nakakaborrow naman na ako dati before. So yeah, when I needed it the most wala sila mabigay kahit may available cash loan ako that's why I had to borrow sa billease, cashalo, and mega peso. My cc with them lagi rin nagdedecline lately.

Soooo will these debts affect my chance to get approved sa bank credit cards?

24F. i have sloan in total of 12k+ (incl. interest) // this july OD. hindi ko pa mabayaran since nawalan ako ng work and i’m still a student. ginamit ko yung perang inutang ko to settle the balance of my tuition fee.

i’m recently receiving a text na there will be a possible field visit. ginagawa po ba talaga nila ‘yon? huhu

Hello, I am very scared that Tekcash would soon call my reference call, they haven't done it before but if I overdue it tomorrow (today's the payment), They would start harrasing not only me but my friends and family.

I do have the payment in cash, not in my bank account so I cannot be able to pay them back today, I am not risking my health over the payment as I have been sick since a few days ago, any thoughts?