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  • Unpaid online loan

    Good day!

    I've decided to write a letter to seek a legal advice regarding my overdue online loan, for almost two months. I never failed to advised them thru email and sms and begging pardon for my overdue loan due to financial hardships that we arw currently into. I stated them completely the reason. I sent a formal email to request for a payment arrangement to settle the loan. I am requesting them, repeatedly. I requested for an statement of account, many times, but the agent said no need for that and all they need is my payment. They said i better be prepared as they will visit on my office and barangay, and find valuable things to get for my loan. Is it legal, as i did not sign anything allowing them to get some collateral in exhange of my loan? Also, i asked the agent many times for his name, but he refused to tell.
    I sent a request for an arrangement as i am incapable by now, and asked them to response on my mail. The agent implied that my request is not worthy, and tell me not to reply anymore. He ua urging me to pay full despite coordinating him my concerns.

    There was also time when an agent texted all my contacts saved in my phone disclosing about my loan, even when i already geve specific references. My superiors, co workers, previous co workers, friends, they all received the message which made me feel so embarassed.

    Kindly help me with this po.
    I just want to know how to stand up against that. I am telling the online lender and the agent that i won't run away from my unpaid loan that's why i am making a request for payment arrangement but no response or confirmation.

    Looking forward for your advice.

  • #2
    [QUOTE=Good day!

    I've decided to write a letter to seek a legal advice regarding my overdue online loan, for almost two months. I never failed to advised them thru email and sms and begging pardon for my overdue loan due to financial hardships that we arw currently into. I stated them completely the reason. I sent a formal email to request for a payment arrangement to settle the loan. I am requesting them, repeatedly. I requested for an statement of account, many times, but the agent said no need for that and all they need is my payment. They said i better be prepared as they will visit on my office and barangay, and find valuable things to get for my loan. Is it legal, as i did not sign anything allowing them to get some collateral in exhange of my loan? Also, i asked the agent many times for his name, but he refused to tell.
    I sent a request for an arrangement as i am incapable by now, and asked them to response on my mail. The agent implied that my request is not worthy, and tell me not to reply anymore. He ua urging me to pay full despite coordinating him my concerns.

    There was also time when an agent texted all my contacts saved in my phone disclosing about my loan, even when i already geve specific references. My superiors, co workers, previous co workers, friends, they all received the message which made me feel so embarassed.

    Kindly help me with this po.
    I just want to know how to stand up against that. I am telling the online lender and the agent that i won't run away from my unpaid loan that's why i am making a request for payment arrangement but no response or confirmation.

    Looking forward for your advice.[/QUOTE]

    Kabayan ka ba? I have also unpaid load in kuwaut this bilkish agent here in phillippines called me to pay them.

    Msg me kabayan so we can talk what we will do we can share each other, if they come to my house I will police and talk to lwayer.

    I am paranoid and sleepless at night.

    Comment


    • #3
      In this regard the collection agency could not initiate any action against you without showing proper evidence against you. They are insisting you to pay the amount through their collection tactics.

      Comment


      • #4
        Re: Unpaid online loan

        hindi po ako ofw madam, pero yun nga po, concerns ko sa online lending.

        Comment


        • #5
          Re: Unpaid online loan

          Originally posted by Lexus View Post
          In this regard the collection agency could not initiate any action against you without showing proper evidence against you. They are insisting you to pay the amount through their collection tactics.
          How can i stand up against them? What will be my ground to fire back? I'm continuously sending callls and sms on the number used by the agent, but i hear nothing ion return. i used to follow up the SOA but no response. I just want to know how much my loan is currently amounted. i cannot access my account on the app i applied for.

          As per the lending compnay where i applied the loan, they said that thay only have limited access on my account, and already forwarded to a collection agency. i told the my concerns, and said that they will ask assistance from the agency, but still, no response from the collection agent. he will just send mesage to sue and frighten me, but whwn i reply, he seems to be nowhere to be find.

          Comment


          • #6
            Re: Unpaid online loan

            [QUOTE=374603]How can i stand up against them? What will be my ground to fire back? I'm continuously sending callls and sms on the number used by the agent, but i hear nothing ion return. i used to follow up the SOA but no response. I just want to know how much my loan is currently amounted. i cannot access my account on the app i applied for.

            As per the lending compnay where i applied the loan, they said that thay only have limited access on my account, and already forwarded to a collection agency. i told the my concerns, and said that they will ask assistance from the agency, but still, no response from the collection agent. he will just send mesage to sue and frighten me, but whwn i reply, he seems to be nowhere to be find.[/QUO

            you can file a case against collection harassment. Read BSP circular 454 section 7.

            Comment


            • #7
              Re: Unpaid online loan

              San yang online loan nayan? Baka alam ko din so i can share you mine at maka kuha ka ng tip.

              Comment


              • #8
                Re: Unpaid online loan

                Originally posted by Kuks View Post
                San yang online loan nayan? Baka alam ko din so i can share you mine at maka kuha ka ng tip.
                cashwagon po ito.

                Comment


                • #9
                  Re: Unpaid online loan

                  cash wagon defaulter din ako, same senario dumating din time na nagipit po tayo. pero kung sasabihin mo side mo sa collection nila why di ka nakakabayad dika nila papakinggan. wala naman sila magagawa kung wala ka pa talaga pambayad. all you can do , kung ayaw mo sila kausapin wag mo sagutin calls nila. spam mo emails nila, dedmahin yung sms nila. be brave, di lang ikaw me ganyan case , marami pa.

                  Comment


                  • #10
                    Re: Unpaid online loan

                    Originally posted by Kuks View Post
                    cash wagon defaulter din ako, same senario dumating din time na nagipit po tayo. pero kung sasabihin mo side mo sa collection nila why di ka nakakabayad dika nila papakinggan. wala naman sila magagawa kung wala ka pa talaga pambayad. all you can do , kung ayaw mo sila kausapin wag mo sagutin calls nila. spam mo emails nila, dedmahin yung sms nila. be brave, di lang ikaw me ganyan case , marami pa.
                    Ano na po status nung sa inyo ngayon? Everytime nagreresponse o ako sa mga messages nila, nawawala sila bigla. Waiting pa rin p ako sa SOA na nirirequest ko.

                    Comment


                    • #11
                      Re: Unpaid online loan

                      In this regard you should contact the bank officials directly to settle the matter. You can also make a complaint against the unlawful collection tactics practiced by the collection agency. You can request for a reconstruction of the loan and will help you to overcome the present situation if the the bank accepts it.

                      Comment


                      • #12
                        Re: Unpaid online loan

                        they texted me again, saying that their lawyer is already preparing a subpoena for small claims. Whenever i'm replying and asking for the statement of account, i got no response.

                        Comment


                        • #13
                          Re: Unpaid online loan

                          This morning, I received an sms from Legal Dept. of Cashwagon Philippines (no exact name mentioned), stating an invitation to attend a preliminary hearing for an small claims filed against me on October 25 (no exact time and venue), for violation of article 354 revised penal code docketed October 1. If I will not show up, they will issue a warrant of arrest. They gave a certain lawyer named Atty. Paolo Benitez, and to verify the case on her secretary.
                          Isn't the invitation be given in formal writing, days prior to the scheduled hearing?
                          Also, I used to request for my SOA everytime they message me but no response. I even gave my email address for them to send the requested document. Different numbers used to text me, not even mentioning the amount I need to pay, and the identity of the agent.
                          I've tried to request for a payment on installment basis but did no aggreement made.
                          Can you help me with this matter?

                          Thank you.

                          Comment


                          • #14
                            Originally posted by marymarasigan View Post
                            This morning, I received an sms from Legal Dept. of Cashwagon Philippines (no exact name mentioned), stating an invitation to attend a preliminary hearing for an small claims filed against me on October 25 (no exact time and venue), for violation of article 354 revised penal code docketed October 1. If I will not show up, they will issue a warrant of arrest. They gave a certain lawyer named Atty. Paolo Benitez, and to verify the case on her secretary.
                            Isn't the invitation be given in formal writing, days prior to the scheduled hearing?
                            Also, I used to request for my SOA everytime they message me but no response. I even gave my email address for them to send the requested document. Different numbers used to text me, not even mentioning the amount I need to pay, and the identity of the agent.
                            I've tried to request for a payment on installment basis but did no aggreement made.
                            Can you help me with this matter?

                            Thank you.

                            may i know what happened to this?

                            Comment


                            • #15
                              Re: Unpaid online loan

                              nag email na din sila sakin.. na pupunta sila sa brgy.. last na email nila skin may pa na natransfer yung loan ko.. ngayon ng-email sila wala amount ng babayaran ko.. hindi rin sila nag-email ng total due sa nung nakuha ko yung loan.. may nagpunta na po ba sa brgy?

                              Comment

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