May utang po ako sa Doctor Cash Philippines, last aug 12 po ang due date ko, kaya lang sa hindi inaasahang pangyayari hindi po ako nakapag dayad. nag email naman po ako sa kanila at nakikiusap na sa sept 15 ko bayadan dahil may padating kaming bonus ang problema ko po ay nananakot sila at kung ano anong pang haharas ang ginagawa, pmunta sila sa office at bahay para ipahiya ako sa halagang 5,200 kasama na ang interest, ano po ba ang pwede kong gawin, anong dapat kong ireklamo sa kanila?
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umutang ka eh...magbayad ka...ikaw may atraso...nakakahiya ka talaga 5200 lang di mo pa bayaran...tunay na pangalan mo di mo nga kaya ilabas dito
The Bangko Sentral ng Pilipinas prohibits collection malpractices, and agencies found guilty of doing such can be reprimanded by the law. Under BSP Circular No. 454 Series 2004, the following are credit collection no-nos:
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, except under conditions stated here;
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; and
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.
If the collection agencies use these methods on you, you may report them to the BSP Financial Consumer Protection Department at 708-7087 or [email protected]
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, except under conditions stated here;
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; and
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.
If the collection agencies use these methods on you, you may report them to the BSP Financial Consumer Protection Department at 708-7087 or [email protected]
napaka laki pa ng tubo ng mga hinayupak nayan. gipit na lalo kapa gigipitin. Bumbay nga pinag babawal lalo na sila. Kayu mga natatawa soon mararamdaman nyo din magipit, kung di kayu makapag comment ng maayus manahimik kayu. mayayabang kayu masyado
napaka laki pa ng tubo ng mga hinayupak nayan. gipit na lalo kapa gigipitin. Bumbay nga pinag babawal lalo na sila. Kayu mga natatawa soon mararamdaman nyo din magipit, kung di kayu makapag comment ng maayus manahimik kayu. mayayabang kayu masyado
The Bangko Sentral ng Pilipinas prohibits collection malpractices, and agencies found guilty of doing such can be reprimanded by the law. Under BSP Circular No. 454 Series 2004, the following are credit collection no-nos:
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, except under conditions stated here;
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; and
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.
If the collection agencies use these methods on you, you may report them to the BSP Financial Consumer Protection Department at 708-7087 or [email protected]
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, except under conditions stated here;
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; and
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.
If the collection agencies use these methods on you, you may report them to the BSP Financial Consumer Protection Department at 708-7087 or [email protected]
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