Credit Card Debt Collection Practices Considered Unfair Under BSP Regulations

[ong76win2]

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other case pwde mo sue sa collector... hehehe

1. Art. 128. Violation of domicile ( pilit pumasok ; ayaw umalis)

2. Art. 280. Qualified trespass to dwelling ( pumasok kahit ayaw mo)

3. Art. 282. Grave threats ( tinatakot ka)

4. Art. 283. Light threats ( blackmailing and extortion)

5. Art. 287. Light coercions ( kinuha gamit mo dahil sa "utang" daw)

6. Art. 155. Alarms and scandals ( pinag-sisigaw ang utang mo)

7. Art. 315. Swindling/estafa ( walang authority ng banko)

8. Art. 318. Other deceits ( iba't-ibang style na panloloko - Dubai?)

9. Art. 298. Execution of deeds by means of violence or intimidation (pilit pinapa-pirma sa Amnesty/Mga Kasunduan)

11.Art. 336. Acts of lasciviousness ( self-explanatory.lol!)

11.Art. 353. A libel(pam-babastos sa sulat o text)

12.Art. 358. Slander — Oral defamation

13.Art. 363. Incriminating innocent person (ma-RA 8484 ka daw)

14.Art. 364. Intriguing against honor (pinag-kakalat na may utang ka)

Thanks for sharing.

[entz_fire]

ayaw kahadlok atobanga, tubaga ang mga collector dili na ka pugos ug wala gyod kay kabayad hangyoa lang na kon maka work naka mo pay ka.

[rjgo_1979]

ay sus baya.....ipa salvage rana....tanawon nato mu sulko pa ba....

[jorjie]

The way sila mo tubag is hadlokon ka dile ka pasoltihon dere-deretso walay mga batasan gyud!

[tessF]

sakto jud ana jud sila ka walay batasan. samot dli ta ganahan mo pay kay daghan kaayo threats. dapat mo please sila para nahan sad ta mo pay.

[anut]

naa gyud uban entrapment ang move. Naa ko kaila na biktima ani, diha pay NBI agents ug police kunohay. fake ra diay tanan.... mao ni pait kung utangan

Art 177 usurpation of authority of official functions.
Art. 178. Using fictitious name and concealing true name
Art. 179. Illegal use of uniforms or insignia.

Any person who shall knowingly and falsely represent himself to be an officer, agent or representative or agency of the phil govt who, under pretense of official position, shall perform any act to any person in authority or public office of the Philippine Government.

Art. 318. Other deceits. — The penalty of arresto mayor and a fine of not less than the amount of the damage caused and not more than twice such amount shall be imposed upon any person who shall defraud or damage another by any other deceit not mentioned in the preceding articles of this chapter.

Any person who, for profit or gain, shall interpret dreams, make forecasts, tell fortunes, or take advantage of the credulity of the public in any other similar manner, shall suffer the penalty of arresto mayor or a fine not exceeding 200 pesos.


vil Code of the Phils.

Art. 26. Every person shall respect the dignity, personality, privacy and peace of mind of his neighbors and other persons. The following and similar acts, though they may not constitute a criminal offense, shall produce a cause of action for damages, prevention and other relief:

(1) Prying into the privacy of another's residence:
(2) Meddling with or disturbing the private life or family relations of another;

(3) Intriguing to cause another to be alienated from his friends;

(4) Vexing or humiliating another on account of his religious beliefs, lowly station in life, place of birth, physical defect, or other personal condition.

MORAL DAMAGES
b. Besmirched reputation
c. Mental anguish
d. Fright
e. Moral shock
f. Wounded feelings
g. Social humiliation
h. Serious anxiety

-If you have encounter person/s trying to be police man, and intimidate you for collection purpose, it is a crime.

-If someone send you a message that he is Judge Dela Cruz of certain RTC and he wants you to pay/settle and actually, he is not, it is a crime.

-If you receive a letter having imprints like logo of the supreme court/PNP without their authority, it is a crime.

-If you receive a letter indicating the name of a public official like Judge, atty's of RTC without their authority, is a crime.


Visit disketforum for more.. cheers!

[ong76win2]

Art 177 usurpation of authority of official functions.
Art. 178. Using fictitious name and concealing true name
Art. 179. Illegal use of uniforms or insignia.

Any person who shall knowingly and falsely represent himself to be an officer, agent or representative or agency of the phil govt who, under pretense of official position, shall perform any act to any person in authority or public office of the Philippine Government.

Art. 318. Other deceits. — The penalty of arresto mayor and a fine of not less than the amount of the damage caused and not more than twice such amount shall be imposed upon any person who shall defraud or damage another by any other deceit not mentioned in the preceding articles of this chapter.

Any person who, for profit or gain, shall interpret dreams, make forecasts, tell fortunes, or take advantage of the credulity of the public in any other similar manner, shall suffer the penalty of arresto mayor or a fine not exceeding 200 pesos.


vil Code of the Phils.

Art. 26. Every person shall respect the dignity, personality, privacy and peace of mind of his neighbors and other persons. The following and similar acts, though they may not constitute a criminal offense, shall produce a cause of action for damages, prevention and other relief:

(1) Prying into the privacy of another's residence:
(2) Meddling with or disturbing the private life or family relations of another;

(3) Intriguing to cause another to be alienated from his friends;

(4) Vexing or humiliating another on account of his religious beliefs, lowly station in life, place of birth, physical defect, or other personal condition.

MORAL DAMAGES
b. Besmirched reputation
c. Mental anguish
d. Fright
e. Moral shock
f. Wounded feelings
g. Social humiliation
h. Serious anxiety

-If you have encounter person/s trying to be police man, and intimidate you for collection purpose, it is a crime.

-If someone send you a message that he is Judge Dela Cruz of certain RTC and he wants you to pay/settle and actually, he is not, it is a crime.

-If you receive a letter having imprints like logo of the supreme court/PNP without their authority, it is a crime.

-If you receive a letter indicating the name of a public official like Judge, atty's of RTC without their authority, is a crime.


Visit disketforum for more.. cheers!

Thanks anut. Thanks for sharing all of this. At least we would know what to do and say to those erring collection agencies in case they harass us.

[fern-pewee]

ang ako cc before kai nka utang ko ug 14k which came up to 30plus mn cguro to but i did completed my utang na 14k then i started paying the 5k before but after wla nako namayad kai ako amiga from cc cya nag work ingon cya insured daw na..so wla nako bayri..aw wla man manawag or unsa pa...hehehehehe!!!!

[dexlimp]

plano ta ko mo apply CC sauna for emergency purposes lng..pro la lng ko nidayon kay naa mn sad mi insurance sa among company..daghan to cge panghagad sauna pati manawag kay pa applyon ko CC, cla na gd daw bahala sa tanan (ITR, payslip, etc...) pro la lng jud ko nagpadala..

[psyche54]

plano ta ko mo apply CC sauna for emergency purposes lng..pro la lng ko nidayon kay naa mn sad mi insurance sa among company..daghan to cge panghagad sauna pati manawag kay pa applyon ko CC, cla na gd daw bahala sa tanan (ITR, payslip, etc...) pro la lng jud ko nagpadala..

maayo ra jud bro nga wala ka gapadala...

Sayon ra raba kaayo ang tanan to get anything. A simple card plastic could do it all. Ang problema, pagbayad na, impas na jud...

Sometimes, Credit Cards are good if you are very careful on using it. Now a days, sa kadaghan sa mangunguot, snatcher, tulisan, mas maayo pa di ka magdala ug cash... Another thing is, when your budget is tightening up, sometimes we resort to using it to fill that monetary gap.

Consequences are, 3.5% monthly or so, hidden charges, etc. Plus, the more di ka mubayad, the more ka malubong... I remember one time, nga ang utang sa ako officemate, miabot ug 116K from a 40K credit card debt. And at the end of the day, moresort ka for an amnesty progam, paying 3 Folds of the original amount!

Or worst comes to worst, they will endorse you to legal services, this is were they do the dirty works. balikason ka, hulgaon ka nga ipa priso, hulgaon nga ipa-barangay, etc. Hehehehehe, its because of the commission that they will be getting. Mao na nga tanan paagi suwayan, para makabayad ka....