Credit Cards and Unfair Collection Practices

There are a number of good reasons in favor of having and using a credit card. It’s like owning a gun – it’s really a matter of how you use it. I know, not because I own a gun, but because I’ve handled an international credit card institution for years.

Still, we all know the possible adverse results in the unchecked use of “plastics” or credit cards, such as this one: “THERE’S a credit-card horror story that’s become some sort of an urban legend: A television personality, after losing his job in a top network, resorts to using his plastic money. By the time he finds employment in the rival network, he has wracked up P58,000 in credit card bills. But he figures he’s not yet ready to pay in full, so he pays just the minimum amount due. Yet after five years, he is shocked to realize that his credit card debt had ballooned more than 10 times to P700,000.”

Perhaps you’ve heard, or, most probably, experienced certain “innovative” strategies used by credit card companies and their collection agencies in “persuading” you to pay (they are, of course, entitled to payment). With the rising complaints against these strategies, the Bangko Sentral ng Pilipinas (BSP) issued a set of rules and regulations governing the credit card operations of banks and affiliate credit card companies. Without limiting the general application of the foregoing, the following are considered unfair collection practices

a) the use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.

b) the use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws.

c) disclosure of the names of credit cardholders who allegedly refuse to pay debts, with certain exceptions.

d) threat to take any action that cannot legally be taken.

e) communicating or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed.

f) any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder.

g) making contact at unreasonable/inconvenient times or hours which shall be defined as contact before 6:00 a.m. or after 10:00 p.m., unless the account is past due for more than sixty (60) days or the cardholder has given express permission or said times are the only reasonable or convenient opportunities for contact.

As a rule, banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement. However, in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts, including those enumerated above.

I was reminded of this topic when, just last week, I handled my first case representing a credit card holder. This is something new to me because, as noted above, I was at the other side of the fence, so to speak. Maybe I should discuss more relevant topics on credit cards. (Read the full text of BSP Circular 454, series of 2004. See also: Credit cards – How to Stay Ahead of Runaway Credit Card Debt.)


  1. Good morning po! Grabe po ang harrassment na gunagawa ng aiqon capital. Below the belt kung timira, ngayon po sila ang major problem ko lalo na po si MR MIGUEL LAGMAN, sobrang bastos po nya. Minsan sana maranasan nya sa buhay nya na magipit at gipitin para maramdaman nya na TAO ang kausap nya at di sa knya my personal na pagkakautang

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  2. Report sa lahat.mfa bames at office address.nila, all forms of harassments

    Get s PAO lawyer para libre ang services.nyo

    Verify with the courts

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  3. Bastos tlga mga yan parang hndi nagigipit
    Mga demonyo

    I will furnish central bank all emails, text messages and harassment and intimidations directed to me

    Get a lawyer and file a complaint

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  4. Hello po atty.
    Dating ofw ako kaya lang umuwi ako sa pinas for personal reason may utang ako sa asialink 2months na delay yong bayad ako binigyan nila ako ng palugit till now lng 25 kaya lang ng tumawag sila humingi ako ng another 4 days kasi wla pa talaga ako pera at yong mgpapadala sa akin s 28 pa nla ipapadala kaya lng ayaw pumayag ng agent na kausap ko dami pang sinabi ipablock dw ako s NBI. tpus sinabihan pa ako ang kapal ng mukha ko kc d ako nagbabayad ng utang binubulyawan nya talaga ako sa phone na masama ugali ko ilang ulit pa akong sinigawan na makapal ang mukha. Do i deserve this words? Pwede po ako maipablock nbi?
    Salamat po sa reply

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    1. Hindi ka pwede ipa block sa NBI. Ang nasa NBI list ay akusado na nahatulan na ng guilty verdict sa isang criminal proceeding. Ang utang ay hindi criminal offense sa Pinas. Sa katunayan, walang kulong sa taong hindi makabayad ng utang.

      Style lang yan ng asialink para pilitin ka magbayad. Remember this – hindi mo ikamamatay ang pag insulto sa iyo kahit na murahin ka pa. Tibayan mo lang ang loob mo. Pwede mo din gawin – pag sinigawan ka, sigawan mo din. Pag ininsulto ka, insultuhin mo din. Wala kang utang na loob sa asialink.

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  5. hi i received an sms po

    city prosecutor’s officer advisory : (my full name). your complaint party has a direct filling with an affidavit of complaint with sworn statement. attachment of evidence in the Prosecutors office. Expect our CIDG Camp Crame Warrant Section and Sheriff RT official to serve your bench warrant with writ of preliminary attachment (date). please call 09759755338 for inquiries, please be informed for your voluntary surrender to avoid commotion at your place Fiscal Ramon Santiago. Prosecutors office of manila.

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    1. @pammy

      The prosecutor’s office, wherever they are located, will not send their notice by sms. Panakot lang ang tinanggap mo. Scam lang yan. Huwag ka tumawag sa number binigay sau.

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    2. @pammy

      Ang mga kausap mo ay budol budol. Hindi nagpapadal kelan man ang prosecutor sa sms. Peke prosecutor ang kausap mo.

      Pumunta ka sa police at ireport ang ROBBERY EXTORTION na ginagawa sa iyo.

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  6. hi mr. warrior ask ko lang po kasi ako po ay may loan sa DIB at sa credit card di ko na po sya nbabayaran at nagpasya dto nlng ako sa pinas kaso gusto po bumalik ng asawa ko sa dubai pede din ba sya makasuhan or ma blacklisted?

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    1. @jeffrey,

      Ok lang bumalik si misis sa dubai. Walang kaso sa kanya dahil lang sa utang mo sa DIB at credit card.

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  7. hi po, 2012 nun nagstop ako magbayad sa cc ko from Allied Bank, that yr din po kc ako nagresign sa work at jobless/full time mother of 2 na ako ngayon tapos nitong dec.2016 until now nakakareceive po ako ng letter from law firm at magdedemanda daw sila on behalf sa client nila dahil sa utang ko sa cc ng PNB. PNB daw pp ako may utang pero wala ako cc sa pnb, dahil po b nagmerge sila ni Allied Bank at may savings account ako sa PNB kaya naungkat un utang ko sa allied bank? plan ko po magabroad worried ako baka harangin or i-hold nila ako at makasuhan ako.thank you po in advance

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    1. @PaloPalo

      Hindi ka nila haharangin sa kahit ano man paraan o dahilan. Hindi ka din makukulong dahil sa utang. Yan ang patakaran dito sa Pinas. Ituloy mo lang ang plano mo mag abroad at ayusin mo na mga papeles mo. Good luck.

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    Expect our Official Commo to Issue your COURT ORDER (Bench Warrant) Exactly 4pm MONDAY (May 22, 2017) together with SHERIFF, NBI & CIDG to Issue Writ of Preliminary Attachment to Garnish your Real & Personal Property at your given address Residential/Commercial
    Pls. be inform for your voluntary surrender to avoid commotion at your area.
    MTC Makati

    is this legitimate or nananakot lang.? Salamat sa makakapagadvice.

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    1. English grammar pa lang mali mali na. Tapos panay gamit ng mga ‘big’ words para manakot, wala namang sense yung mga sentences.

      Pati pangalan hanep ALBERTO AZARCON, di ba parang pelikula.

      Charot lang yan.

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      1. Totoo ba na pag mag text sayo na magkita nalng daw kami sa barangay para mag settle. Ipapa baranggay po ba talaga ako?

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      2. Hello po, alam na kasi nila address ko at may nag hatid na nag sulat na nag offer ng amnesty, so I file po b talaga nila sa barangay?

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    2. @randy

      Peke yan. Panakot lang. Ireport mo sa police at sampahan mo ng kaso na ROBBERY EXTORTION. Puwede ka din magsampa ng kaso sa prosecutor office kasi isang criminal offense ang magpanggap na judge o public official tulad ng ginagawa ng ulol na si “ALBERTO AZARCON”.

      Lumaban ka. Huwag kang matakot. KUMILOS KA NA NGAYON.

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    Expect our Official Commo to Issue your COURT ORDER (Bench Warrant) Exactly 4pm MONDAY (May 22, 2017) together with SHERIFF, NBI & CIDG to Issue Writ of Preliminary Attachment to Garnish your Real & Personal Property at your given address Residential/Commercial
    Pls. be inform for your voluntary surrender to avoid commotion at your area.
    MTC Makati

    Sinu po may experience.. hoping for feedback..

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      1. @randy

        panakot lang yan. ang mg korte ay hindi nagpapadala ng notice via sms. nakakatawa full force talaga nbi at cidg para kang terrorist, armed and dangerous!

        una sa lahat walang nakukulong sa utang. pangalawa sa criminal case lang pwedeng makapag-issue ng arrest warrant. if indeed a criminal case was filed, dapat nakareceive ka ng subpoena mula sa court with the attached complaint-affidavit and its attachments.

        ireport mo ito sa NBI, dun sa court na ginamit, at sa BSP for unfair collection practices.

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  10. hi po. ask ko lang po paano kung sa allied bank po nagkaron ng utang tapos pnb na po un naniningil agent? 2012 pa po un utang pero dec.2016 collecting agent ng pnb po sumisingil sa akin. .please advice po. salamat ng marami.

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  11. AUTOMATED TEXT: Attention (my name). This is from the Fiscal Office of MAKATI City Prosecutors Office. This is to inform you that your court summon and subpoena will be served within 48 hrs regarding to Art. 315 and Violation of Sec.9 of Republic Act 8484 (Access Device Regulation Act of 1998) of the revised penal code and CONSPIRACY Civil Case filed which is due for court warrant to be assisted by

    Kindly coordinate asap with
    name of the person and number..

    may utang kme sa asialink.. totoo po ba to?ano po ggwen Ko?thanks

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  12. Hello sir.

    Writ of chuchu na din ang natanggap ko. SMS at email. 200k plus plus na utang ko sa BPI cc. Natatakot ako kasi, baka makuha nila yung bahay na pinupundar namin ng asawa ko. Anog gagawin ko? Salamat.

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    1. Btw, Galing sa Luzano Law Office ang mga natatanggap ko. Natatakot talaga ako sir. Pakitulungan ako please.

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  13. Hello po. I really need your advice.
    Matagal na po ako di nakakabayad ng utang sa credit card. Nagpatong patong po kasi mga problema ko tapos lumobo na ng husto interest. Mga 10 years ago na siguro un. Tumigil na sila sa pangungulit kasi nagpalit na ako ng phone no. and ilang years na po ako di nakatira sa amin.
    Ngayon po, napabalik ako sa branch na malapit sa bahay namin so balik ulit ako sa dati ko address (bahay ng parents ko). Since madalas na po ako nakikita sa street namin, bigla kanina po, may pinadala Summons brgy. captain namin for the same day. Wala po ako sa bahay nun at iba po nag receive.
    Wala po ako iba alam na atraso kundi credit card para lang mapatawag sa brgy. And dati na din kasi nagpapadala ng sulat ang brgy. in behalf of credit card or collecting agencies.
    Nabasa ko po na kung 3timea na ako napadalhan ng summons and di ako sumipot, pwede ako magbayad ng fine na 5k or makulong for 1 month.
    Ano po ba pwede ko gawin? Alam ko po wala nakukulong sa utang. Kaso summons na po ng brgy. ito.
    Di po ako uwi sa amin sa takot ko.Nakikitulog po ako ngayon sa kaibigan ko. Kaso pansamantala lang naman po itong pakikituloy ko.
    Sana po matulungan nyo ako.

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    1. @Desperada

      Hindi nagpapataw ng kahit anong parusa ang barangay kahit na hindi ka umatend sa summons nila. Hindi korte ang barangay. Puwede mo nga ignore and “summons”.

      Huwag kang matakot. Continue living your life.

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  14. Hi!
    Ask ko lang po ng advice nyu. I have loan before in SAMBA in Jeddah that was 2010, I didn’t pay my remaining balance that year since i went foe my Exit that year. I was able to go back here in KSA. I tried to check in SAMBA after I came back regarding my balance.. but the thing is they dont have my iqama #already and they cant open if either I have still account in SAMBA.. In my surprise this couple of weeks ago this Christine Santos from Envi-Salva law office, keep on sending this to one of my relative.
    “Good Day! This is Ms Christine Santos of Enzi-Salva Law Office.May i request for your attention MS SERAPION, MHYLENE SALDE that we need your immediate call and coordination.This is regarding with your unsettled liability with SAMBA BANK KSA. The Bank is giving you until May 20,2017 to coordinate with us or directly with them.If no response receive from your end will mean waiver of your right to be heard. We’ve tried so many times to coordinate with you and the bank gave you enough time to settle this matter in your own freewill but it seems that your just ignoring us and continuously avoiding us.Its an indication that you don’t have intention to pay. And because of your action,we finally recommend your name and account liability to formally file all the prepared Legal Case against you by Samba Bank KSA. And as of today Samba Bank advised us that your name will be included to their delinquent list to be submitted to SIMAH-SAMA(Saudi Arabia Monetary Authority) to Ban and Blocklist you from all kinds of Bank and Financial Institutions ,even in leasing and rental in Saudi Arabia to Gulf Cooperating Country(GCC).You will be reported also to General Directorate of Residency and Foreigners Affairs (GDRFA). You only worsen your problem. Bank Defaulters in Middle East Country esp. in Saudi Arabia is HARAM.And it is a Criminal Offense..We advised you to talk to Mr.Faleh Al-Faleh – Management Associate OSA International – Collection-Internal Ext : 49549/Tel: +966-11-4759549-Fax : +966-11-4759511-Mob : +966 -597702001-P.O. 833, Riyadh 11421-E-mail: or Atty Pedro Leslie Salva / Ms.Karen Dagan at +632-651-7600 loc 132 mobile #+ 639427495749. STOP ignoring and running away.Take this as our final reminder. Your credibility ruin.This is a huge effect to your record to the International Banking Negative Filing System.The Bank might also file criminal-fraud/civil case. Please be remind you submitted document with signature. And Now everything has been synchronized with Iqama & Passport & fingerprints. FYI, The Philippine Court recognize and enforce the Foreign Judgement and will forward to the BAP-Credit Bureau’s to Negative File Information System (NFIS) to track all inquiries made by the bank’s various branches and other financial institution as for their reference for your credibility standing.Please be guided. Thank you and GODBless”
    I am not afraid if they will let me pay this remaining balance of mine, but i will do that only if the SAMBA will be the one who will send me this info, but what i’m worrying is… bout my family. What if they will be worried bout me here that something might happened to me and worst case is what if something might happened to my family because of this harrassment of this Christine Santos.
    Hope you can give some advice.

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    1. @Mhylene Asgar

      Saan located ang collection agency? Sa KSA or just here in Pinas?
      My reply will depend on your reply.

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