063-535-2149

Meron ba sila pinadala sayong demand letter?

Bangko Sentral ng Pilipinas issued Circular No. 454, Series of 2004, which includes guidelines for credit card companies in collecting amounts due them. Section 7 of the circular discusses the means allowed and not allowed by the Bangko Sentral in collecting credit card debt.

Pursuant to Section 7 of the circular, banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may use reasonable and legally permissible means to collect amounts owed them. They must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts. The circular also enumerates instances that are considered as unfair collection practices, which are collection practices prohibited by the Bangko Sentral. These are:

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 that amounts to a criminal act or offense under applicable laws;

c) Disclosure of the names of credit cardholders who allegedly refuse to pay debts, except as allowed by the Rules;

d) Threat to take any action that cannot legally be taken;

e) Communicating or threat to communicate to any person credit information that 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 a.m. or after 10 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.

According to you, the collector is claiming that a criminal case has been filed against you. This may be easily verified by inquiring with the court where it is allegedly filed. Section 7(g) of the circular states that they may call you at inconvenient/unreasonable times as long as your account has been unpaid for more than sixty (60) days or you have given them permission to do so. The resort to calling you names and profanities, however, is considered as unfair collection practice. If you think that you are being harassed by the credit card company or its agents, you may report the matter to the Financial Consumer Affairs Group of the Bangko Sentral ng Pilipinas.

We hope that we were able to enlighten you on the matter. Please be reminded that this advice is based solely on the facts you have narrated and our appreciation of the same. Our opinion may vary when other facts are changed or elaborated.

Her and her sister Ruby Carla Bonsol are scammers! Notice to the public! Beware of there people!

Harrasment rude agents from that company asking for a favor and yet theyre arrogant throughout the call

Mario Campo, Eva Malabanan, Carla of Prime Alliance Recovery Management, they all have abusive behavior asking me to pay the next day after the day na nagdala sila ng letter personally, Even threatening to drag my name into the Brgy and to the court.. These names have been reported sa BSP.

any update? received a mail also from them today , its maybe regarding my BDO card before but i am not going to reply since my card was way back 10 years ago.

Calling my office harrassing my officemate to produce my number.  Forcing me to sign the agreement and issuing checks without fund for their assurance. Threatening to come into our house with brgy official and police, if i did not produce 100k in a week.  Ruby bonsol- idk if that is her real name with number 09266005334 and 09157547850. I told them to be realistic. I cannt produce that kind of amount in 7 days but the’re still pushing me. So i ignore all there calls until now. Im willing to settle if they can give me reasonable and realistic option.

How did someone "force" you to write bad checks? Did they come to your office and put a gun to your head?

They went to our office insisting me to issue checks and letting me sign with their agreement. they will not leave unless i sign the papers and checks. Keep on arguing until the whole office was watching. Luckily the agreement form is not the bank i am in debt for. So i ask them to leave but they are still counting in my 7 days paymnt updating thru text and call.

According to other posts in this thread, this DC seems to be located in the Philippines.  A quick web search shows that they have debt collection laws.  I would suggest that you look up those laws and use them to your advantage.

that same guy is calling me, but i've got a advise from my attorney not to mind them , sabihan nyo din guard nyo sa office not to entertain them. he is so intimidating.

Makishare lang sa post mo...this time si mr edmar cabrera naman...edmar, huwag kang bastos..mabilis ang bad karma sa katulad mo

I have experienced the same also by a certain Erika Bonsol, yes thru will keep on bugging you at work. Very very rude, and will argue with you also. I dont know if the discount that they are claiming is true.

Someone's calling me now at my workplace, they wanted to clarify all with my documents I have, the caller is named Christian Prestosa from parmi office this is his number 09472459693, 5846132, what to do help me?

For the information of the public, existing Bangko Sentral ng Pilipinas regulations prohibit credit card issuers and their collection agents from engaging in the following instances of unfair collection practices:

• The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person;

• The use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws;

• Disclosure of the names of credit cardholders who allegedly refuse to pay debts;

• Threat to take any action that cannot legally be taken;

• 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;

• Any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder; and

• 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.

FOR FURTHER CLARIFICATION AND INQUIRIES, PLEASE CONTACT:

FINANCIAL CONSUMER AFFAIRS GROUP
Supervision and Examination Sector
BANGKO SENTRAL NG PILIPINAS
5th Floor, Multi-Storey Building, BSP Complex
A. Mabini St., Malate, Manila
E-mail address: consumeraffairs@bsp.gov.ph
Tel. Nos.: Direct Line: (+632)523-3631• Trunkline (+632)524-7011 local 2584

Well I guess that stops them cold, eh?  What with criminals being so law-abiding and all.
The World can sleep a bit easier tonight.

It may help.  When someone from collections called you, ask them politely to contact you in writing and mail it on the address they have on file then hung up. I also read that never pay the collection agencies, settle it with your bank.  If you owe something to Juan,  give it to Juan and not to Pedro.

hello po kung anong bank ka po may utang don ka paren naman po mag babayad. any collection agencies po di po kayo don mismo mag babayad directly mismong bank paren naman po tlaga kayo mag babayad under your name and your account number . walang ka sense sense yung sinasabe mo .

May tumawag sken before na collection agency instead na 25K ginawa nilang 15k nakapagbayad ako ng 6k June2018 kas pinilit nila ako mag half payment per sa bank HSBC ko din dineposit hindi sa agency then after nun wala na di na sila tumawag since 6k lang nabayad ko after 2 yrs tumawag ulit nalipat nanaman sa PARMI ung details ko may tumawag sken na babae sabi 41k na daw ung babayaran ko tapos inofferan ako ng discount ginawang 10k sabi ko wala po ako pambayad ngayon dahil sa pandemic then binabaan hangang 8k nalang daw. Binigyan ako ng palugit... Gusto ko sana masettle at masure na oag binayaran ko un is makiCLEAR na ako sa kahit na ano at wala ng magugulo sken. Oo nagkamali ako kase ung CC inoffer lang un sa work ko. Dko lang sya nagamit ng maayos. LEGIT PO BA NAKAPAG NASETTLE SA COLLECTION AGENCY EH MAKICLEAR NA MATATAPOS NA UNG PANGUNGULIT NILA?