Non Payers and People with BADCredit History Philippines

posting of names of non-paying clients are "Collection Agent's" way to humiliate a non-paying client.

Collection agents are lower than cockroaches. Lahat gagawin nyang mga yan makasingil lang ng utang. Andyang murahin ka, takutin ka, iskandaluhin ka, and other forms of harassment and humiliation.

If you are a collection agent, i urge you to quit your job and find a more decent one. Don't prey on the people who are financially down.

i don't agree. not all people with bad credit history meant it to be that way. just my opinion. thanks

Thank you "housewares" for posting your thoughts about this topic that I raised. Your points are well said and valid.

Let me tell YOU, our readers, participants of this forum, and all sulit folks that I am not a collection agent (i know you said "IF") so quiting my job and looking for a decent is none of my concern right now. I am simply like YOU and everyone else here looking for ways to improve my quality of living by venturing into businesses, investing on TRUST (unguaranteed most of the time depending on the nature of the business), taking risk, and finding time to look for honest people to do business with.

I mentioned honest people, tanungin kita, by keeping silent and letting these non payers prey on our fellow sellers(regardless if nagle LENDING sila kasi in a way they are also selling services) do you think that its FAIR for us? Kaibigan pinaghihirapin natin yung ginagawa natin, effort, pera, at kung anu anu pa yung puhunan natin tapos hahayaan na lang natin ng ganun? Kung uomorder ako sayo ng halagang 100K na item at hindi kita bayaran all of a sudden tapos sasabihin ko sayo na I am financially down, papayag ka ba? Tapos I would go on to the next seller then cause the same damage, do you see what i am saying?

Kaibigan if they are financially down tingin mo ba tamang JUSTIFICATION yun para manloko sila ng kapwa nila? Ikaw na nagbabasa ng response ko na ito, tingin mo ba tama yun? Im sure naman na kung makikipag usap sila ng maayos dun sa taong me atraso sa kanila is hindi na aabot sa point na may mapapahiya. I am sure na yung mga business folks naman natin dito ay alam yung salitang ETIQUETTE at DUE DILIGENCE (I am sure alam mo din yan, tama ba?)

 We all have financial issues HOUSEWARES but I think that it should not be used as an excuse or even a reason para manloko ka ng kapwa mo na nagpapakahirap magtrabaho at sumayd line para wala sya maagrabyado na ibang tao. Kaya yun. To share with everyone, malaki na din nawala sa akin BUT i really didnt resorted to those things yet kasi i take the time to talk to talk to those people na pinakatiwalaan ko. MASELAN TONG TOPIC na ito KAYA NGA IM WELCOMING EVERYONE AND ENCOURAGING FEEDBACK and comments.

IN DEFENSE sa mga collections agent at mga tao na kinukuha lang yung DAPAT na sa kanila, sobra naman na sabihin mo (but that is your opinion and its valid) na they are lower than roaches. KAIBIGAN they are just doing their jobs. KUNG MARUNONG LANG TAYO NA MAGBAYAD NG MATAPAT SA MGA SERBISYO NA INA AVAL NATIN HINDI NAMAN TAYO AABOT SA GANUNG SITWASYON.

Ang akin lang mga kasama IS AYAW KO NA MADAGDAGAN PA YUNG MGA BIKTIMA. Kasi if we let it pass, accomplice ang tawag sa atin. Para na rin natin silang kinukunsinte at tinutulungan sa ginagawa nila.

Haba na ng thread ko, pasensya na. Passionate lang ako sa topic na ito kasi I am an advocate of financial freedom. I despise cheaters. yung mga CAPSLOCK IS MGA POINTS LANG NA GUSTO  I STRESS. So there. Guys, YOUR TURN. What are your thought?

 

 

 

Message appended on April 25, 2012 09:51PM

and I second the motion Hygienius. Yung iba nmn talag is nagipit lang. kaya nga what they do is they communicate dun sa mga naatraso nila. kaya lang naman kasi yung iba ginagawa ng hanapbuhay yung manloko ng kapwa nila eh.

I am sure yung iba nakaka relate. may mga tao na paulit ulit nilang ginagawa yung ganito kasi alam nila na itotolerate nmn ng iba at mananahimik na lang.

strength and weakness nating mga pilipino yang ganyan eh. alam mo yun. ayaw natin maka offend ng iba kaya kahet naagrabyado na tayo ay malumanay pa din tayo most of the time. kaya lang yun nga... nakakatulong ba tayo na ayusin yung problema or pinalalala ba natin it?

 

 

simple question:

May i ask WHAT is the REASON that a non-paying client's name be posted aside from HUMILIATION what other purposes will it serve?

my simple answer:

to prevent another casualty (i believe i have stated that in my initail response). its not really about humiliating them its informing people. and come on its not like you will start posting their name right away. again going back to my thread IF you have read it, DUE diligence. right?

this is to make sure na wala ng iba pang maging biktima. kasi it becomes a habit for some.

SO ito tanung ko sayo,

may buyer ka ng items mo, hindi ka binayaran, how would you feel? i short kapag ikaw na ang biktima. give us a human response.

 

 

Message appended on April 25, 2012 11:35PM

this is another question for you HOUsewares,

your 2nd paragraph about collection agents being lower than coackroaches and all that, IS THIs base on YOUR experience? because most people tend to generalize base on what happened to them. Tell us.

 

So kung ikaw ang tatanungin, ARE YOU IN FAVOR that the names of non-payers be posted?

Why dont you answer my initial questions din po para naman fair? :-)

 

 

Message appended on April 26, 2012 12:16PM

1. kapag hindi ka binayaran ng customer mo after several attempts from you na maningil at maayos mo nmn ginawa, 100k halos ang total, naging mabait ka at inintindi mo sila, tapos yuo found out ganun din ginawa nila sa iba... how would you feel?

2. bakit parang galit na galit ka sa mga kulektor? me negative experience ka ba sa kanila? yung sinabi mo ba sa unang thread mo ay base sa experience mo with them?

 

What you are trying to propose is ILLEGAL. You are from lending business ( i saw your ad) but you are advocating / inquiring about the posibility of lending institutions to post the name of non-paying clients? Then clients should beware from conducting business with your credit company.

You should have known since youre in a lending business that posting names of non-paying client is ILLEGAL.

Manual of Regulations for NON-BANK INSTITUTIONS by BSP

1. The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person;
2. The use of obscenities, insults, or profane language which amount to a criminal act or offense under applicable laws;
3. Disclosure of the names of clients who allegedly refuse to pay debts;
4. Threat to take any action that cannot legally be taken;
5. 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;
6. Any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a cardholder; and
7. 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.

 

Do you think that regulations are UNFAIR?

I am very happy for the effort you have exerted researching. I am happy to tell that I have already come across this one. And please dont get me wrong, I am not a lending company. I am a micro financer. You might also want to research on the latest innovation when it comes to micro credit which is peer to peer lending. (salamat kasi this forum is also becoming educational at the same time).

Now, my thoughts:

1. hindi mo pa din sinagot yung mga unang tanong ko sayo. I am starting to feel this as a one sided issue tuloy on your part because you just simply want to prove your point base on cases you want to raise. (i dont blame you because if you have court experience /i am into the law and legal aspect as well just so you would know/ these are things done by people who want to present ONE SIDED topics. again ang purpose ko for writing this forum is to get opinions nmn and not really to convice you or other people na dapat ganito or ganyan ang gagawin natin. Its great that we have this kind of discourse.

2. uulitin ko yung nasabai ko na sa simula pa palang, ETIQUETTE and DUE DILLIgence has been practiced. ang premise natin dito sa usapan na ito ay yung mga tao na paulit ulit na nanloloko ng mga kagaya natin na nagpapakahirap kumita ng pera para sa mahal natin sa buhay.

3. i have pgnc (phil govt and new constitution) background so nakita ko na po yang nilagay mo sa itaas. kaya go back sa 2nd point ko when i said DUE diligence. sa US meron silang tinatawag na garnishment. and since i see that you reserach your stuff (which is good) please look that up.

4. ito isa sa mga flaws ng system natin. we are tolerating it kasi. gaya ng pagpipirata ng mga cds etc (example lang ito).

5. so tatanungin ulit kita, kaya ka ba galit sa mga collector is because you have had experience with them? also, paano kung ikaw ang maloko, masasabi mo pa rin ba sa amin mga sinasabi mo ngyon? ipagtatangol mo ba din ba sila lalo kapag nalaman mo na hindi lang ikaw ang nabiktma ng mga sinasabi mong "financially down" na borrowere/buyers kuno.

 

 

 

going thru the process of humilation means wala po kayong pinanghahawakan na collateral, when you lend get a great collateral. thoughts lang po

thanks george! meron nmn ganyan kaya nga lang ang hirap din brod lalo na kapag may puso yung tinatawag mo na negosyo. like for some madalas wala talaga sila at tiwala lang talaga panghahawakan mo sa kanila.

i am sad that you think that this is all about humiliation. hindi nmn po kasi sya ganun. sabi ko nga etiquette and due diligence was practice. hindi nmn ipapaskil yung pangalan nila dahil lang hindi sila nagbayad. dumaan din po sa proseso ng pag uusap yung scenario natin tapos ang prob lang kasi is talagang gawain lang nila na manloko using the same old excuse every time.

ikaw ba george kapag hiniraman ka ng pera, nangako na magbabayad tapos wala nmn, kinausap at pinagbigyan mo for half a year, tapos wala pa din. then malalaman mo na gawain pala nila na manloko... how would you feel?

As a lending institution - it is their RESPONSIBILITY to screen and do a rigorous background check on their clients. so for me, if a lending institution was scammed by a non-paying client - it is primarily their fault.

yes, galit ako sa mga collection agents. there was a time na naggulo sila dito sa opisina dahil sinisingil nila yung mga employees ko pag na late mag bayad sa mga utang nila. Nandung nag padala ng ALL BLACK fax to waste our fax ink, andung magpanggap na pulis, NBI, andung mag mura. So i recorded their phone calls and reported them to the bank and BSP.

Hindi ako pwedeng maloko or ma scam sa trade ko because we are asking for 50% downpayment and the balance of 50% upon delivery. There were times na tumatanggap kami ng term pero only for industries who belongs in the top 500 in the Phil (like del monte phils, acer phils, megaworld, channel 2 and 7 etc) or mga government entity. So the chance of us being scammed is very unlikely.

wag ka magpautang...part na yan, sa laki ba naman ng interest, yung losses nyo sa iba, nababawi naman yan sa good payer....ang point lang in any lending business may kasamang risk yan

Pwede na bang i post ang picture ng mga tumakbo sa akin? ang laki ng maitutulong ng site at forum na to para maiwasan natin ang mga nanloloko ng mga kagaya nating andito sa ganitong klase ng negosyo.


Message appended on July 13, 2012 04:23AM

 

 

  Sisimulan ko na ngang mag post ng ngalan at litrato ng  mga nangutang at hindi nagbayad at tumakbo sa kanilang obligasyon sa akin...salamat sa sa iyo religio na sinimulan mo tong forum na to,malaki ang maitutulong nito sa proteksyon ng ating negosyo.