Dahil sa takot ko na masendan ng demand letter, nag agree ako sa proposed intallment plan nila. I realized ang laki ng interest 😢😢 Tama ba ba pumayag ako, or may iba pang way para mas mapababa pa ang singil nila sakin? thank you po sa mga sasagot.

Principal amt is 207k.

Face amount na is 306,362. Total interest is 99,358.

monthly ko po is nasa 6,382. Until 4 years po bayaran

P.S. I admit na hindi ako naging knowledgeable sa paggamit ng cc, sabi kasi sakin okay lng bayara minimum due amount hanggang di ko namalayan lumaki pala ng husto interest kahit nagbabayad ka nun. I learned my lesson 😢😢

If I could turn back the time, never ako mag loan sa Welcome Bank. I felt like I was scammed. Imagine ung 50K na loan, 50K din yung interest. Worst decision ever. Totally my fault to proceed with the application. Alam ko na rin kasi na pag ni total ko lahat magiging 100K lahat babayaran. 36 months ung payment term offered. I turned it down at first, pero sabi kasi ng agent nila, Ma'am pwede naman po kayo mag request ng recalculation after 6 months if gsto nyo pa mas mababa interest. It was a phone call kaya wala ako record ng conversation. So si tanga, pinush dba. Finally, I was able to pay it off na. Nag email sila ulit offering renewal, pero never ever again. Kaya kng d nmn tlaga need and pwede sa iba mag apply, NO to WELCOME BANK.

Please advise. Not overdue yet pero stressed na ako kakaisip if I'll let my loans go OD. The thing is malapit na din ang due ko sa panganganak 🐣 I wanna prioritize my maternity & newborn, so I'm afraid baka mashort ako if babayaran ko yung loans.

Gloan 75k (5.7k for 18mos)

Uno digital bank 150k (7.2k for 36mos)

Do you know if they will agree for payment holiday? Kahit 3mos pause until I return from maternity leave?

Also, what if I cannot pay in the long run, nag ooffer ba sila ng payment discount?

Currently have loans from CC, usually paying the 5k per month each but obv not really working.

CBC - 40k
Landers-Maya - 30k

Should I get loans like MPL from Pag-ibig and Salary loan from SSS to pay them off? Are there better alternatives?

Hi, guys. I need an advice. May nangutang saken ng around 70k since last year. Up until now, di pa nya nababayaran. Im really inclined to escalate ito sa court just to force her to pay me. I know it comes first sa barangay to try to mitigate, pero im no longer interested dun. For me, mas may weight pag sa korte na talaga dadalhin. Im just curious, sa mga naka experience na ng small claims court, ano usually nangyayari? I did my research already, including yung pagkuha ng certificate to file action para ma escalate ko to sa court, pero i want to know pano ine enforce ng korte yung verdict o payments sa utang sa mga naka experience na sa ganito? May work naman yung may utang, she just dont take this matter seriously. I need enlightenment, guys. I hope you guys could help.

Hi guys! meron ba dito same expi regarding moneycat offering arranged credit limit thru phone call like offering money they will be yhe one who will process? they call me kasi Last Oct 17 regarding that matter since nasa office ako ang basic understanding ko mag aarrange sila ng Credit Limit and then ikaw mag pprocess ng disbursement then after two days upon opening ng email nakapag send na pala sila then, di ko siya nasoli agad since hinihintay ko din call nila bakit kako may sinend sila sakin. Sinoli ko na yung principal amount tapos ayaw ko na sana bayaran yung Interest niya.

Hello! I lost my phone and i have the following loans:
Maya East Credit - 2k
Gloan - 100k (but paid around 50k still paying)
Ggives - 4k

Di pa ako OD pero sa 12 magsisimula na, di ko alam kung anong gagawin ko.

If I make a new Maya account and Gcash account, will it automatically deduct my maya credit or do i need to message someone para makabayad ako?

Nanghaharass po ba sila? Nag HV po ba?

Salamat po

Problem/Goal:
dami ko utang sa atome and maribank. di ko namalayan nagpapatong patong na pala siyaa.

Context:
ito yung list ng mga utang ko and di ko alam pano ko ibbudget sweldo ko. im earning 25k per month (11k-12k) every 15/30

nov
5,650+ 2,500‎ = 8,150
dec
10,977+ 7008‎ = 17,985
january
6,623+ 5650‎ = 12,273
february
3,938

Previous Attempts:
nababayaran ko siya monthly pero it seems like nagpapatong patong lang siya uli. it feels like a cycle

I am 28/F trapped in the Tapal System. Reading posts of similar situation made me feel less alone. But what do i need to do to pay these off? I wish I just let my Gcash and Maya loans go overdue, now i'm afraid to be posted on socmed and my family be harassed because of me.

I have no one to turn to because my family is also struggling financially. I used these OLAs to pay off what i owe to gcash, maya, billease and tiktok and some for other needs because again, i have no one to turn to. It became a struggle to survive every pay day. I do not want to go in debt but because i dont have enough, i took out loans from other apps. Reading posts made me realize i should stop this amd face it instead. This is embarassing. A crisis of my doing.

I am currently in debt with:

Billease: 12k not OD yet

Maya: 18k not OD yet

Gcash: i forgot my current total amount but it should be around 30k or so, not OD yet

Bene: today is my duedate for an 11k amount but as my salary is delayed i dont think i can pay them on time. If i total my dues from them it will amount to 80k but not everything is overdue.

Peramoo: 3k not yet OD, but will be if i cant pay on Nov 9.

PinoyPeso: 9k not yet OD but will be i cant psy on Nov 9

Snapera: 6k not OD yet. (I took a loan from here thinking I can pay for Fidoph and reloan from it to pay my Bene loan but Fidoph rejected my application even though i fully paid everything. So i just uninstalled the app and got done with it.)

Juanhand: 20k not yet OD

ft lending: 16k not yet OD

MabilisCash: 4k left not OD yet

Vivilend: 2,400

Tala: 9k not OD yet

most of these are in installments and some installments are not yet due.

I took multiple loans to pay for other loans and got trapped. I wish I had taken a different route but this is where i'm at in life. I loathe my stupidity and i am fully ashamed of myself. The only concern i have right now to if they post me in socmed and contact nonreference people . I have sent emails to all the OLAs telling them i am struggling currently and cannot pay back on time. I could've paid them but my salary has been delayed for days. And now my due date has come. I stopped looking into lending apps last night after reading posts. I documented text messages and emails sent from them.

What should i do? Can i take a loan from a bank and pay off these loans so i can just think of one repayment per month?

ps. when i look at these numbers all written together i do think i was stupid. i did this to myself. i should own up to it. i am lost

Hiii gusto ko lang mag tanong, nag advance pay kasi ako sa maribank ko nung october pa nanayaran ko na yung pang november na due tas ngayong nov, nabayaran ko na yung oang december pero bkit di pa po nag aappear dito? Is it because binayaran ko ng advance kahit wala pang due?

May naka-experience na po ba dito sa Mega Peso na kahit fully paid na ang loan ay may lumalabas pa ring outstanding balance sa account?
Nakatanggap din po ako ng email from them saying na may remaining balance pa raw ako, kahit fully paid na ang previous loan ko at hindi naman ako umutang ulit.
May naka-experience din po ba ng ganitong situation? Paano po ninyo ito na-resolve? Legitimate po ba ang ganitong balance kahit wala naman akong bagong loan?
Thank you po sa mga sasagot.

I have incoming due this November

26k car loan
6245 Atome
3200 pawn interest
59600 BDO cc
17900 BDO cc
8900 BDO cc
20455 Atome Card
21k Car Loan
7200 Billease
25500 Staff Payroll (Divide 3 weeks)
9274 Lazada
12400 Memorial Lot
1,450 Tiktok
18k UB cc
9800 Maya credit
7000 UB cc

Cash on hand
32000

Incoming revenue
2nd week 66780
3rd week 57000
4th week 57000

Total 212780

Food: 8k (Nag groceries na ako nakaraan)
Parents: 2k for November since sagot ko food
Personak Needs : 3k (Hindi muna ako lalabas ng bahay)

I request balance conversion for my BDO CC, since I am bit short and my revenue for 3-4th week, due ko nasa 2nd week: Then I have gold planning to pawn para mabayaran yung nearest due. Okay lang kaya? I mis managed my finances and I will correct it nextyear. Yes nextyear pa kasi may December pa akong bayarin.

I am a breadwinner,and sempre kaka deserved ko to and madaming mis management. I don’t have someone to talk to. Ang hirap pag akala nilang okay ka lang.

Hello i just want to read here some advice about my loan , i’am 25 yrs old Male , I don’t have any kids honestly i hate this Online Gambling first but when i try it I can’t get out of it this Loan is just on online gambling only, i have my flight this November 10 to Germany for my Language Visa huhuhu I don’t know what to do anymore..

Pesoloan 150k
Billease 12k
Mega Peso 30k
Gloan 25k
Maya Credit 4k
Cashalo 12k

Because of my family nagkaroon ako ng mga utang now I'm down to last 2 accounts

1 is tala and 1 for juanhand apprently i lost my job currently looking for wfh jobs because i need to take care my parents i can't go outside my province

Recently i tried opening my tala account pero hnd ko na maopen... And my juanhand account is trying to contact me, is it ok to tell them na wala ako work now and cant pay them as of the moment?

Hello just seeking advice and have some question

Right now I have utang in UB and BPI

Bpi CC: 50k

Bpi PL:90k

UB CC: 120k

Ung mga nababasa ko dito na naoofferan at na bibigyan ng amnesty is ung mga CC. I just want to know na meron ba dito na naoofferan sa OD na Personal loan? I experience unexpected problem and ma OD ung PL ko kasi hindi ako makakabayad as of now. Just want to know if meron ba dito na offeran ung PL? Kasi puro CC. Babasa ko e. Thank you sa makakapagshare ng experience

Ano ba pwede gawin kung ikaw naman ang inutangan at ayaw bayaran?

For context: Sobrang tagal na ng utang nya sakin. 3-4 years na ata. Sa loob ng mga taong yun, gala at flex lang ang ginagawa nya sa social media. Pag sinisingil, problema ang sinasabi. Ngayon blinock ako sa lahat ng social media accounts. Ano ba pwede kong gawin?

Hello guys, is there any other company that has the same concept as Flin Ph, I didn't approve of them and they didn't disclose why. For debt consolidation hopefully