Comments on: Credit card fraud

By: warrior

warrior — Sat, 13 Mar 2010 06:26:47 +0000

sonet,

You are experiencing harassment from a good for nothing collection agency. You can still get an NBI clearance even if you have credit card debt.

You do not become a criminal because of credit card debt. Under the Philippine constitution, there is no imprisonment for debt.

Do not answer calls from the collection agency. Change your numbers. If you receive a letter from a “lawyer”, cross out your name on the front portion of the envelope and write in big letters, “RETURN TO SENDER”. Drop the letter in the post office mailbox.

Tell your mom not to entertain or talk to people she does not know. She has the right not to receive the supposed letter from the “lawyer”. When the collector goes again to your house, just close the door or you can hit him with a dos-por-dos for trespassing.

Those “lawyers” are actually fakes. Lawyers do not spend their time calling you or going to your house. Read one of their letters to you and you will see the very poor writing style and bad grammar. They are actually dumb.

Do not issue post-dated checks to the collection agency. Since you are a former HSBC employee, why not try to come up with a suitable payment scheme with them. If your attempts fail, so be it. LIfe is like that.

By: Sonet

Sonet — Fri, 12 Mar 2010 09:22:15 +0000

Hi Atty Fred,

i have same problems with others but i have debts with HSBC and Citibank and im just worried that by Immigrant Requirement to Canada my ruined all my plans going and leaving overseas.

the problem is i’m a EX-HSBC employee? and i have STAFF CARDS with 200,000 debt and loans with them. and im receiving calls and letters from law office and my mother told me that meron pa daw pong nag puntang tao sa bahay namin and looking for me and dala ang letter ng lawyer. i’m worried about my NBI clearance and other requirements.

can you help me with this? and on what to do? hindi po ba ako makakakuha ng NBI Clearance would appreciate your immediate answer

Thank you.

By: warrior

warrior — Thu, 11 Mar 2010 15:21:30 +0000

maribeth,

Binobola ka lang at tinatakot ng tarantadong collector sa collection agency. Walang nakukulong sa utang. Hindi sakop ng RA 8484 ang pagkaka-utang sa credit card. Hindi ka criminal dahil lang ikaw ay may credit card debt.

Huwag kang mag-issue ng post-dated check. Huwag kang umutang sa kaibigan o kamag-anak para lang may ipambayad sa credit card. Palitan mo ang phone numbers mo.

Walang mangyayari sa pakikipag-usap sa collection agency.

By: warrior

warrior — Thu, 11 Mar 2010 15:18:19 +0000

Nica,

Sa Pilipinas, walang nakukulong dahil lang sa utang. Binobola ka lang at tinatakot ng tarantadong collector sa collection agency.

Magpalit ka ng phone number. Huwag mo silang kausapin. Kung sakaling puntahan ka sa bahay, huwag mo sila harapin.

Huwag kang mag-issue ng post dated check. Huwag kang umutang sa kaibigan o kamag-anak para lang impambayad sa walang kuwentang credit card.

By: warrior

warrior — Thu, 11 Mar 2010 15:14:37 +0000

jing,

Ignore the harassment. Huwag ka na makipag usap sa collection agency. Hindi taga bangko ang kausap mo.

Niloko ka lang ng tarantandong collector. Dahil ikaw ay nakabayad na, kasama din nila sa collection agency ang tumawag sa iyo. Kunwari naman taga bangko siya. Maraming gimik ang collection agency,

Magpalit ka ng phone number, Itago mo ang mga resibo mo. Dapat kasi written ang agreement. Huwag ka mag-issue ng post dated check.

By: jing

jing — Thu, 11 Mar 2010 14:59:59 +0000

gdpm po Atty.,ask lang po regarding dto sa credit card na verbal na npgusapan nmin last aug 2009 ng law firm “daw”..we agreed na 13,175 nlng yung bbyrn ko strting aug 2009 til Feb 2010..so 2k mthly po til jan 2010 n 1,175 nlng sa feb..idisregard ko dw yung statement of acct n pinapadala sa kin ng banko..no mthly interst na rin dw po yan sabi nya..i even asked abt kng pwede pdlhn ako ng letter na proof na ngbbyad..sabi nya certification daw after n mkbayad ako will be sent..ang ipingtataka ko po..after ilng mths ng pgtawg nya to remind me of my payment,,iba n nmn yung tmwg..all i did was to pay the amount til jan 29,2010..nagfully paid na ko pra kako d na ako twgn at kulitin..tpos all of a sudden me tmwg n nmn..ibang law firm at pinapabyarn sakin yung bal..accdgng sa law firm 15th plus..pero yung bank n tmtwag ay 12th plus..sabi ko i’ve already paid..nasan dw yung agreemnt or conforme,i have here my pyment slip..i told dem na d na ako mgbbyad..then they texted me telling me na “sa inyo na ho mismo nanggaling na ayaw nyo na magsettle sa banko, harapin niu na lng po yung legal team namin na ppnta sa bhy niu,sa inyo po ang pgkukulang,d sa bank.”..sabi ko nga ho matino akong tao kya ngbyad ako tpos yung taong kausap ko pla ay nag leave dw at yung 2nd na kumausap sakin ay nagresign nmn dw..wat shld i do w/ this harrasment?wat if me bglng dumating?me mga rights b cla na hal. sa warrant of arrest,,ano ang ggwin ko pg dmting yung time na yon .pls help me..tnx and God bless.

By: maribeth

maribeth — Thu, 11 Mar 2010 14:51:58 +0000

sir eto pa ang continuation….not to mention penalty of imprisonment from Six (6) to Twelve (12) years which may be imposed against you in the criminal aspect (R.A.8484-Fraud against creditor) without prejudice to violoatin of any other penal laws.”
hingi po sana ako ng advice kung ano po ang dapat ko gawin…masyado na po ako na stress kakaisip po, i always ignore po lhat ng calls nila sa mobile ko. please enlighten me po…..

By: maribeth

maribeth — Thu, 11 Mar 2010 14:46:56 +0000

good evening po, hihingi lang po sana ako ng payo, may na received po na letter dito sa bahay namin from ENZI Corporation, as usual po regarding po ito sa hindi ko pag bayad ng cc ko, last year po nakakabayad pa po ako til december (under collection agent po) tinawagan ko po sila nitong january para inform na di ko na po kaya mag bayad kasi nawalan na po ako ng work, sabi nila tawagan k na lang daw ang hsbc to inform them na yun nga po di na ko makakbayad….di ko po tinawagan last early this year po nabasa o po itong atty@work and nabasa ko po yung mga problem din regarding sa cc. ang nakalagay po dito sa letter “we may immediately, w/out notice and delay,ask the court to cause the COURT SHERIF to preliminary LEVY,ATTACH, or SEIZE your real/personla properties,as a legal consequence of theexpecteed favorable courts decision, which if becme final and executory, the said levy attachement, seizure and/or garnishment, may be permanent,not to mention the penalty

By: maribeth

maribeth — Thu, 11 Mar 2010 14:35:57 +0000

hi anvil, thank you for your post, it helps a lot.

By: nica

nica — Thu, 11 Mar 2010 09:10:01 +0000

sir gud day po,
ask lang po ako ng advuce kc since aug laat year pa po ako wlang trabaho kya d ko n mkyang bayaran yung eastwest credit card ko ang alm ko po almost 30k lang yung utang ko tapos ngaun nagulat po ako nkarecive ako ng demand lettr need ko dw po byaran ng 80k e yun nga 30 di ko n kya 80 p po kya tpos nkasulat po dun n pwede dw po isama yung husband ko sa case n ififile nla sa akin, tsaka makukulong po b ako pag d ko yun nabayaran sa knla? sana po matulungan nyo ako maraming salamt po.