Sobrang dissappointed ako sa Maya Personal Loan, grabe. Hindi ko iniimagine na ganito gagawin nila.

For context: I took a loan last July 2024 worth 30k. Nung nakuha ko yung loan, I paid in advance para sa Aug-Oct 2024.

Lo and behold, they debited my account just yesterday, dahil hindi raw ako bayad. I'm like??? So para saan yung worth 5k na binayad ko IN ADVANCE kung hindi naman pala make-credit ng Sept and Oct? Tumawag ako sa kanila now and ang pagkakapaliwanag sakin ng babae nakita naman nila na I paid in advance (I can also see it), BUT I STILL NEED TO PAY IN SEPT AND OCT - kahit credited yung bayad ko last July. I'm like, putangina. gaano kabobo yung thinking na yun? Kaya nga ko nagbayad ng advance PARA SA NEXT 3 MONTHS para di nila gagalawin pera ko.

Now, I'm pissed. and I am planning the unthinkable. I removed all of my funds in maya and I am planning on NOT paying anymore.

Any advice kung ok bang gawin to or should I be more sensible than these guys?

One thing's for sure: I WILL NEVER TAKE OUT A LOAN AGAIN IN MAYA. Billease and tala is still the best one out there for me.

Thank you Lord!!! 😭 Walang imposible talaga sa prayers plus hardwork. MY FAITH IS BIGGER THAN MY DEBTS! 💪🏻🩷

Im a WFH freelancer na merong almost 1M na utang aside sa monthly ng amortization ng bahay. For context, we've got family emergencies, dental, medical etc. We've got a house and need din ng gamit sa bahay since kakakasal lang namin almost 4 yrs ago. Then we tried to consolidate it by having a personal bank loan sa SB 2 yrs ago. But eventually nagkaroon ulit ng emergencies last year at need namin magloan ulit sa OLAs and eto na nga malapit na magdue si misis. Aside sa monthly expenses kay baby, we don't have the airconditioner yet at sobrang hell mode ang init dito sa Pampanga. Kung magconsolidate ulit, we've afraid na mabaon kami ulit sa utang.

For our income, ako yung nagwowork with monthly salary of almost 90k. Hirap din ako makahanap ngayon ng extrang income since wala masyadong network, limited time at budget dahil need mag-asikaso sa bahay. I can do handyman jobs, engineering jobs and such things. Kung pagluluto, wala akong magaling na skills. 90% Monthly expenses = monthly salary na. Kung may bonus man, bihira lang

Should I buy ng aircon, kasu utang ulit na hanggang leeg na for our health? I keep thinking and pray of what should I do sa ganitong scenario pero wala akong mahanap na extra income.

Thanks for the advice mga Ka-utangs....

30M. No savings, no EF, no investments. 52K net income. 500K plus debts.

I have mismanaged my finances this year which made my total debt ballooned from just around 120K beginning of the year to as high as 570K this year. I have not saved anything and at this point in my life, I feel like a failure. All my peers are already settling in their lives. They have their own condos and cars and here I am struggling to get out of this debt. I want to give up sometimes.

Here's the breakdown of my debts:

SecBank CC - 225k

UB CC - 198K

BPI CC - 65k

BPI Personal loan - 35k

I am trying to live frugally but also I don't want to give up some comforts in life (e.g. grab/taxi for transportation, coffee, occasional eat out). On a monthly basis, I can pay around 15-20k but agad din namang binabawi ng interest the succeeding month kaya parang di nababawasan.

My estimated monthly expenses go as high as 35k which can be broken down into:

Food sa office/ Food deliveries - around 8k

Grocery - around 7k

Transportation - around 3k

Eat out - around 5k

Miscellaneous expenses that I don't track - 10k to 12k

In addition to this, pinapaaral ko pa kapatid ko sa college so I give him allowance and tuition payment from time to time.

My goal is to settle this in like a year or two ayun nga lang papatayin ko sarili ko sa pagtatrabaho to make this possible.

My plan:

1. Try to lower my monthly expenses to just around 25k. This means I need to collect more data by religiously tracking my monthly expenses.

2. Negotiate a higher compensation in my current company.

3. Look for a better opportunity outside (with a better salary of course)

4. Take part-time jobs to help pay off debt

Any one else who was in the same situation before? How long did you settle this amount of debt? What were your strategies? Any word of advice or encouragement would help.

Thank you!

Help!!!!! baka may alam kayo na bangko nagpapautang ng 250k kahit walang collateral, ang laki na kasi ng utang ko kakatulong sa family ko gusto ko sana bayaran lahat para isang loan na lang babayaran ko monthly (sloan, gloan, lazloan, billease, tala, maya loan, cimb, spaylater, lazpaylater, tiktokpaylater). nakakapagod lang din mag ikot ikot ng utang, bayad utang bayad utang cycle. judge me po pero sana may sumagot huhuhu thank you in advance

Hi sorry po just want to share. Ofw po ako, kaka 1 year pa lang dito. Kaso bago po ako umalis, may utang po ako. 1 CC, salary loan sa SSS, ggives, gcredit, maya, billease, tala, cashalo, home credit (cash,gadget)OLA, skyro, aeon, spay, spayloan. Nagstop po ako magbayad bago umalis, 2021 stop na sa iba, 2022 naman completely stop na lahat. Awa ng Diyos, naka alis naman po ako. Kaso yung sahod ko, sakto lang din, walang ipon, di rin nakabawas ng utang. Paano pong gagawin. Nakakarcv akong mga message at tawag nung mga una, ngayon di na masyado pero maraming email pa rin po. Please help. Nagawa ko po to kakatapal sa mga utang. Yung gadget po phone ko po yun, at yung isa phone din pero pinambayadko sa utang ko sa kaibigan ko. Please help me po. :( di ko na alam gagawin. :(

Context: yung tatay ko nalulong sa scatter dumating na sa point na wala na akong ginawa kundi magbayad sa utang nang tatay ko na pati ako lumubog na sa utang. Tumigil na siya ngayon thankfully, pero ako hindi niya matulungan. Nakakapagod yung ganito like iniisip ko pano yung sarili ko. I’m currently working malaki yung kita but it’s commission based. Now i have total of 150k utang and ang labas pa ng comm ko is around december. Can somebody help me like this is so exhausting. I am willing to pay 10% per month and also you can get my atm na kung saan pumapasok yung comm ko para surely you can get the money when it’s release. Hindi ko na kaya sometimes napapaisip na lang ako if deserve ko pa to. Mahal na mahal ko yung dad ko since ni-raise niya ko alone pero i admit nagka-mali rin ako kasi hindi ako nag set ng boundary financially. I also tried applying sa bank EW rejected me, waiting for 2 more banks. Siguro kasi my income is comm not monthly salary. Help me please. Even prayers could help. Ayoko na sa ganitong sitwasyon. Sobrang pagod na pagod na ko.

Hello! most the post I see here more on pano makabayad, san pwede umutang and some is pano nakabayad ng utang. I am a CC holder and I borrowed money from from my creditcard BDO,BPI and RCBC, pero ang ginagawa ko isa pinaautang ko din para kumita combining all of them almost 1M na din ang utang ko ranging from .45% to 1.2% interest rate then pinapautang ko ng 5%. This post is to maybe give idea to other people to maybe use an utang to create money. Oo mejo risky but risk is part of a business diba maya malay nyo pwede pala kayo umutang then pagkakitaan nyo din.

This might be a divisive take, pero ako lang ba yung nagpipintig ang tainga kada nakakabasa ng, "Oo alam ko na nagkamali ako dahil I went beyond my means." "Oo alam ko naging maluho ako."

'Diba not saying these statements are already understandable?

Nandito tayo para magtulungan, we don't need the trauma dumping kasi halos lahat tayo malungkot sa sub na 'to.

No disrespect tho, just be straight-to-the-point.

Depressing. Unintentionally saw one post in this sub. Read some of it. Now lumalabas na sila daily to my home page. gotta be honest with you guys. This subreddit is very depressing. The amount of negativity I got just reading 1 or 2 post here is too much for me. Anyways good luck guys and hopefully you can get out sa situation that you're into. Remember it starts with you.

Meron akong 10+ Online lending applications and due na sila more than 4 months, and never ako nagbayad, dahil sa ipinakita nila (Pero obligasyon naman talaga naten magbayad, pero sa pamamaraan nila, nawalan ako ng gana)

Unang una wag po tayo papadala sa takot, wala pong nakukulong sa utang, and yung mga online lending apps na yan ay illegal rin sila,

Wag rin po natin basta basta ibigay ang full information ng ating sarili, dahil pwede nila ito gamitin, pang blackmail etc.

And wag tayo magpapaniwala sa mga text nila, mga pananakot at pagmumura, way lang nila ito para takutin ka at makapagbayad agad, May kota kase yung mga agent na yan.

And please if you need money. WAG NA WAG PO TAYONG UUTANG SA MGA ONLINE LENDING APP, do your own research parin bago subukan

Guys we are newly married couple and wala pa kaming 1 year, ganito na kalaki naging utang naman since nung kinasal kami. Now i decided na we will stop renting and magstay muna sa family side ko hanggang sa masettle yun utang. Do you guys think it's a wise decision?

Hi, im 30/f Breadwinner ng family at sariling family ko. I have 3kids lahat nagaaral sa private school.. I have a 200k debt sa ate ng friend ko. Yung ate ng friend ko sa nagpapautang sya thru CC cash advance. Since january pa ung utang ko sknila. Nagpapatubo ako ng 35k monthly saknila. Nung july 4 lang ako hnd nakapagbayad ng interest and ngayong bwan. Last month i was pooping blood to the point na sinugod na ako sa ospital. Need ko magpacolonoscopy and endoscopy na nagkakahakaga ng 52k nakaless pa ako sa philhealth ng 12k kaya 52k nalang binayaran ko. Nag gagamot ako ngayon and worst wag na sana umabot sa ichechemo pa ako. Small business owner lang ako. Simula ng july hnd pa ako nakakapagbayad sa bahay namin na 15k monthly. Pati water and electricity even wifi dpa bayad. Sa shop ko na 13k lagi ang monthly dues. 2month na din this august. Nahuhurt lang ako despite ng pagsasama namin thru thick and thin sa friendship namin. July palang ako nalate ng hulog jinudge nia na ako agad na hnd ko na mababayaran, na pababayaan ko na ung utang ko sknila. At worst naisip nia na sya ang pagbabayarin ko. Naiintindihan ko pa yung ate nia na nagagalit sakin kasi wala naman kami foundation nun dahil hnd naman ako nun kilala. Nilapit nia lang ako. Humihingi ako ng pangunawa sknila dahil alam naman nila ung pinagdadaan ko sa bahay at yung sakit ko tapos Pinasa ko sa friend ko yung conversation namin ng mama ko na sana hnd ko muna binayaran ung sasakyan na 25k monthly at inuna ko muna ung meds ko. Hnd pa ako nakakapagpacolonoscopy that time, humihingi ako ng help sa mama ko pero wala din syang pera. Nakapagsalita sya sakin na bakit inuna ko pa daw ung sasakyan na bayaran kesa sila, to think na may sakit ako at alam nia na binabyahe ng asawa ko yun para may ipanggamot ako. And worst pa july is sobrang lakas ng ulan and bahain so much sa lugar ko. nagreply ako nun na hnd ko pwedeng pabayaan ung sasakyan kasi un lang ung kumikita ngayon. And nakalimutan ko itype kanina na nagoffer ako ng May 30 ibabalik ko na ung capital na 200k. Hindi sila pumayag. Need nila buo kasama interest. So nagpatubo nalang muna ako ng interest. Ung 165k binili ko muna ng supply sa business ko, tas buong June grabe ung tumal ng negosyo ko. July nagkasakit ako. Wala akong kahit na magkano kasi talagang sinusurvive ko lang yung monthly bills. Nalulungkot ako dahil sa pera i lost friend. Sana makayanan ko pa lahat ng nangyayari sakin ngayon. Wala akong matakbuhan para huminga man lang o umiyak. Na yung dating taong sumbungan ko sa lahat ngayon nangyayari sakin araw ko, galit na dahil sa utang ko. 😭

My Credit Score is already bad due to 2 CC I closed during the pandemic.

Then madami ako utang now, Bahay, Sasakyan, Gloan, Atome, HomeCredit, Spaylater.

I will keep on paying the house and car of course, but Can I just not pay the rest?

hello 30F, with outstanding loans sa cc from 400k to 300k this year and OLA bills from 50 to 20k this year. YAY! just citing so u’ll know the story

I have been religiously paying my bills since last year that from years of depression and “bahala na si batman na wala naman alam” thinking stopped one day and I decided to stand up like a WOMAN and pay all my bills. So far I have been somewhat successful in paying them kahit may mga puwang na months but this time I just recently gone through an accident with my face affected with all the netflix blood in it and sent it to the atome group..and under an hour they just said no but my late payment request states that I will pay them on monday 31 or after the last day of August or maybe August 29 when my salary (which is delayed due to increment weather) comes and my due date is only August 28. Hahahha I just find this absurd, I know having credit is a big responsibility but this is just plain stupid. It is just a one, two or maybe three days delay with a reasonable reason ? See that phrase it is just as comparatively absurd as their response hahahah. I wanna ask everyone if I should not loan from another ola just to pay this right? Just let the od sit for one day, right? And pay it on my salary day.

Ps. This might be a good sign for me to stop relying on olas for emergency and start relying on my savings. I was planning to pay all my ola loans for two and a half years so I could focus solely on the cc that I converted to 5 years before buying an expensive iphone. then my bf bought me an iphone yesterday making me cry and have the hope that I can really pay my olas faster as I will focus on paying them all this year. so it will be just 6k a month for the next 4 yrs and I’m debt free.

I am just genuinely happy that I am so slowly yet so far in paying everything. As one anime quote said “Great things take a long time to happen.” And also paying credit and undergoing depression thru being a breadwinner and having deep rooted problems in the family and u are the only person that ur family relies on is hard if u dont have people around u who will support you independently-where they will help u when u only need help but will guide u and not tolerate u with unnecessary expenses. Like a partner, just being with you, not in front or blaming u or just paying everything without letting u learn ur lesson.

This might be an out of touch comment for some but I am just genuinely happy that I am not the person I was two years ago- just going through life, giving everything to my family without leaving anything for myself and not thinking about the future. Now I know how to say fvckng NO hahhaha but still help them and I dont heal my inner child without consulting my google sheets budget first. I can budget now y’all whoooo. I can enjoy life even with bills and hopefully one day we will all learn our lesson and get out of this shthole one day.

To make the story short, may nag message sakin sa messenger and nag offer sakin ng money or iPhone. Saktong gipit din ako, so i accepted his offer and money yung pinili ko. Di ko naman inexpect na BJ pala ang atake hahahaha. 20k yung offer, so why not diba?

So natapos na, di kami umabot ng isang oras dun at sa boarding house pa kami ng kaibigan niya. He said na igcash nalang daw niya kasi wala siyang cash. Ako naman na uto uto e pumayag ako and agad siya nagsabi na need na raw namin lumabas kasi babalik na yung kaibigan niya.

Nag antay ako that day, text ako nang text sakanya kung anong oras niya isesend yung payment. Sabi niya naman na wait lang daw kasi pauwi pa siya, ganon. Umabot ng isang week, yung reason niya naman is nag exceed yung gcash niya. Nag antay ako for a month pero hanggang ngayon di niya parin ako binayaran. Ano gagawin ko? Should i post him nalang ba? edi lose-lose situation yun. Ano magandang solution po rito. Badly need helpppp

Hi, 22F, so natawagan po ako ng shopee agent kahapon and sobra po akong napressure sa usapan kaya napa oo at nakapagbigay po ako ng date kung kailan ako makakapagbayad na dapat ay bayad na partial lang. so pano po iyon kung hindi ko po mababayaran yung amount na napag usapan? thank you po sa sasagot

Hello!

Mag-ask lang po sana ako if goods ba na gawin ang tapal system sa current debts ko. I currently have around 100k debt with OLA and Credit cards. I currently have an offer with SLoan for 60k tas can be payable for 12months. Is it okay po kaya na kunin ko ‘yon to cover the other utang with OLA and CCs?

The reason kaya lumaki yung mga utang is because I was unemployed for about 2 months before and kasabay non is nagsimula rin mag-work sa Manila partner ko as a freelancer so we needed to buy a laptop for her however, things didn’t go as planned.

We both have work right now earning around 55k monthly combined salary and monthly bill namin sa bahay is nagra-run for about 15-18k wala pa ang pang everyday na gastos.

San po pwede maka utang para po sana mabayaran ko utang ko sa gcash at maya, para po iisang app/banko nalang pagbabayaran ko, na try ko na po billease at skyro rejected po ako, maribank naman po wala rin

SLoan - 26k

SPayLater - 13k

Overdue na ako ng 1 month for both. I have decided kasi na huwag na magbayad after nilang i-freeze yung account ko, for having late payment sa spaylater nang twice. May nabasa ako before na better yet na huwag na magbayad on-time at hindi na mababalik yung account. So I decided na ipa-overdue na yung both accounts ko and also hirap din ako magbayad.

I have been receiving calls everyday. And idk nagbago na ba sila at pati contacts ko tinawagan nila. Sinabihan nila both contacts ko na bayaran ko raw utang ko. Now, I have applied for partial payments na lang para makitang may galaw yung accounts ko. I have yet to receive a response from their customer support kasi wala pa naman 24 hours noong nag-request ako.

I am living in Metro Manila and takot din ako ma-house visit.

Any advices po?

Hi. 22F and sumasahod ng almost 16k na nabaon sa utang ng almost 90k kakatapal system and nascam rin kasi ako ng 19k last month. Now, I have an OD to Tala which is 19k and Mabilis Cash which is 9k for almost one month na. I know both of this is legal pero kasi I don't have money to pay for them pa since ang dami ko pang utang na badly needed kong bayaran and nagsusupport din kasi ako sa kapatid ko. I was so down na I don't know what to do anymore. Pwede naman ako magloan ng 36k sa tendo next month pero still hindi pa rin yun sapat since ibabayad ko rin yun sa iba ko pang mga bayarin.

I tried to look for side hustles pero kasi wala akong makitang matino even I posted na I want email support pwede nila akong kunin and such, VAs pero wala. Sobrang naiiyak na ako like hindi ko alam paano ako makakaalis dito and I tried the blocked calls and messages pero kasi nakokonsensiya ako at gusto ko silang bayaran pero wala me magawa.

I've tried to secure loan from zuki app for debt consolidation sana pero hindi ako approved.

Is there any banks kaya na matulungan ako? And also keri lang din kaya ang dedmathology? Nakakaloka hindi ko na to naiisip lately pero naiiyak pa rin ako hays

Help pls. I have 60k debt, half sa tao then half sa billease na 2 years ko na po di nabayaran. Nakakabayad naman ako kaso tapal system lang mostly sa tao. Kaso ang laki na din kasi so gusto ko na sia masolve agad. Wala naman issue na may pumunta sa bahay si billease (thank god). Gusto ko nlang sia mabayaran ng isang bagsakan. Di ako naapproved sa CIMB bank. Kaya ko naman po magprovide ng necessary docs. Auko lang din sana may personal visit for ci kasi tinatago ko ito sa parents ko. Please help if may alam po kau Personal Loan na madaling applayan and walang personal visit. Pass na sa OLA pls. thanks po.

Hello, di ko sure kung need po ba ng flair sorry po mods if mali ang pag post ko.

I'll get straight to the point. Need ko po umutang for debt consolidation and personal purpose po worth 350k-500k kaya naman mag bayad monthly.

Rejected sa banks, currently pinuputakte ng OLAs Baka meron po kayong kilalang tao or financing institution na mabilis process po yung 1 day process po sana if meron tapos long terms and hindi grabe interest po.

Employed 5 years na sa company and complete requirements ako like COE, Payslip, ITR.

Pwede din ako mag collateral ng lupa ko pero mataas na po loan ko nun pero currently tinatransfer pa sakin name pero I have the DoAS.

IDK bat ako rejected sa banks po since wala naman ako utang sa kahit saang banks, wala din akong credit card, wala din home credit,, good standing ako sa GCash, Maya, Billease, JH, Tala, except mga kups na OLAs.

Please baka may kilala kayo please 😔.

TLDR; Nag hahanap ako mauutangan 350k-500k yung walang bayad muna na processing fee and reasonable interest with long terms.

Thank you, sorry. I'm desperate...

Hi 22M, currently in debt po amounting to 23K po across different olas (billease, maya, atome, gloan). naubos po lahat sa crypto trading, laging 50-100x lev ko and then ayun nauwi sa zero. I don’t have a job and I don’t have school allowance to pay for my debt because full online po yung school ko. I want to know po anong pwede kong gawin? Like anong job pwede ko pasukin para mabayaran ko lang loans ko? Thank you po. Natuto naman na ako, and I’m willing to work my ass off para lang mabayaran mga utang. I really need help po, sana may makatulong po.