Para sa mga papautang...

**99moves** · July 6th, 2015 03:24 PM

Originally Posted by 1D4LV

you have to prove in court na talagang may amnesia o may sira ka na.

what if proven, sir? hindi na ba macompensate yung nagpautang? or pwede mag hakot ng assets?

**JJ All Day** · July 6th, 2015 03:40 PM

Para sa mga credit cardholders na kinukulit ng mga collection agents..

**shadow** · July 6th, 2015 03:43 PM

Originally Posted by 99moves

kung sakali magka amnesia or masiraan ng ulo yung may utang, valid pa ba yun?

Amnesia na eh di wala na.

**JJ All Day** · July 6th, 2015 03:46 PM

Heto pa:

Credit Card Debt Collection Practices Considered Unfair Under BSP Regulations

Do you know that there are existing regulations that are meant to provide for credit card debt collection methods that are reasonable and legally permissible?

Do you know that credit card issuers and their collection agents should observe good faith and refrain from engaging in unscrupulous or untoward acts, to the extent of harassing and humiliating
the credit card holder?

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.

**glenn manikis** · July 6th, 2015 04:36 PM

Originally Posted by 1D4LV

nope.... civil cases for sum of money do not come with a warrant..... nagkakaroon lang ng warrant kung may BP22 or estafa cases.

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nope.... civil cases for sum of money do not come with a warrant..... nagkakaroon lang ng warrant kung may BP22 or estafa cases.

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you have to prove in court na talagang may amnesia o may sira ka na.

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you have to prove in court na talagang may amnesia o may sira ka na.

yes sir i know.. civil cases wala talagang warrant... kaya nga or ang nakalagay.... pwede kasing criminal or civil in nature ang file na case...kaya nga MAY writ or warrant.. depende syempre sa file mong case...

ang tanong naman paano kung may amnesia o may sira... PRESUMTION NATIN dito at ayun kasi ang tanong..may sira or amnesia na... syempre prove mo muna sa court...