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As a consequence, other Banks may or may not grant you a loan of any kind and may or may not allow you to open a checking account. However, based on my knowledge the Bank can still grant you a loan or allow you to open a checking account as long as there is a management approval. You will not be imprisoned for non-payment of a credit card obligation as long as there is no intent on your part to defraud the Bank.
Collection agencies are the last resort for banks to collect the amount you owed. I think the Bank incurs minimal or no losses at all for those credit card debts which have been gone sour. At the inception, the Bank has already projected the likelihood of default and has already factored in all the financial hazards before they offered the product.
Makukulong ba kapag hindi nakakabayad ng utang sa Home Credit?
My sister had a credit card po. Unfortunately, she passed away last September due to a vehicular accident. She was with her daughter and the kid had a broken femur which until now hindi pa po fully recovered. Nagtanong po kami sa kakilala namin sa banko and she was able to pull out my sister's credit standing and confirmed na may utang pa nga po siya.
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My brother had a bad credit history due to a defaulted CC. Oh, and don't sign anything from the creditor unless you are with and/or have fully discussed it with your attorney. You are not obliged to sign any document on the spot.
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He works for collection agency, he told me that today he'll be atty. Calling credit cards delinquent accounts are bogus. They just scold and threatening you that you'll gonna be sued and jailed, bla,bla. A colleague of mine says na wala pa ngang nakukulong pag di ka nakabayad ng credit card bills mo. nevertheless, you will be blacklisted if you do so.
Collection agencies would really get to your nerves because it is their way of earning or living. They get a portion or commission for the sum they can collect from the defaulted cardholder. For a period of time where the collection agency cannot contact the debtor, the Bank will report you to the Credit Information Corporation.
Kauf und Verkauf von eigenen Grundstücken, Gebäuden und Wohnungen
I can’t believe I am reading this thread. I am supposed to read about credit card terms and conditions of various banks for comparison. So, I know most of the cases which everyone is so concerned about. Actually, there’s nothing to be afraid of.
And kung di ka talaga matigil sa kakabasa and pag-iisip ng utang mo, better read from page 1 of this thread. Hindi yung magtatanong ng magtatanong na may sagot na sa previous replies. Collection tactics lang yan ng collection agency.
Paano maningil ng utang?
You cannot be forced either to pay the obligation if you don’t have the capacity to pay for it. The best course of action is to inform the Bank ahead of time of your financial difficulty to prove that you are in good faith. You may also file for insolvency or bankruptcy, if necessary. There are also cases where the cardholder can no longer be contacted. In that case, the account is hopeless.
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There's a fat chance to acquire for a new one. Please be reminded that being sued in court can be very expensive, inconvenient, and embarrassing considering that court cases appear in credit investigations. Pero hindi rin naman pwedeng basta na lang harbatin yung mga ari-arian ng umutang, may legal process pa rin yan.
Pero I advise na you contact homecredit and report the incident, as well as try to negotiate for a settlement. Baka may way para mapababa yung babayaran. Im just wondering coz most of the people i know have done this. I mean they weren't able to pay their credit card bills. They said wala namn daw nakukulong sa hindi pagbabayad ng credit card bills?
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Or better yet, do other things kesa magcheck ng email/gadgets until such time na manganak ka. You can reason in court naman na buntis ka and mahirap magtravel to answer the summon . If you keep on thinking about this thing, and something happened to your child, will you be able to sue BPI because of the stress? So, hanggang walang summon, wag mastress. As mentioned, walang nakukulong sa utang generally, but there are exceptions.
The Bank can just stop the collection efforts and report the account to the CIC. For those cases, the cardholder can go debt free and still roam around. However, he/she should not expect to avail of future bank loans and be granted of such loans.
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I'm not Agapito, but I think his response will be to ignore it. Sabi mo nga wala kang pambayad, so don't pay. Hindi mo naman pede icollateral yung unborn child mo, Rapunzel lang ang peg? Don't stress yourself too much.
May nakukulong ba talaga sa hindi pagbabayad ng credit card at bank loan?You can still open deposit accounts, but I think you will be limited to savings account. One is not dumb enough to open a deposit account with the Bank he or she has an unpaid credit card obligation. Your deposit balance may be applied to your unpaid obligation with the Bank. Your one future prob is that you can no longer issue a check since you may encounter difficulty opening a current account because of bad credit history. Hi everyone, I need advise po sana.
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If you are, that can be seen as a form of coercion, making that document invalid (i.e., no informed consent was formed). Once you die, all concept of financial asset or debt becomes irrelevant.