unpaid celpone bill?

[bluntz]

fortuna or fortuner ganon na din yun.atleast may FORTUN ;)

[Marantz]

helo guys, ask ko lang sino may experience sa inyo na may unpaid bill sa mga cellpone companies? meron kasi ako di na bayaran di ko natapos ang contract na 2 years meron pa dapat ako 5months to finish it. but tag hirap kaya lumaki utang ko 7k yung pone bill tapos +10k dahil hindi tapos ang contract may dumatin na 2 letters frm the lawyers of globe at freeze daw nila account ko at properties cars etc. ano mga ginawa nyo hakbang? broke kasi ako nagyon talaga pwede ba hulugan ko yon unti unti? thanks 4 ur inputs :freak:

This might pose a problem when you apply for a loan. You might be indicated in the CMAP list. Pay it in terms na lang and get a clearance after. You might get a subpoena pa if you delay it. My two cents.

[karlbo]

This might pose a problem when you apply for a loan. You might be indicated in the CMAP list. Pay it in terms na lang and get a clearance after. You might get a subpoena pa if you delay it. My two cents.

YUp correct you will be positive at CMAP... because of the demand letter from the telco company.

mas maganda po... if you could write a letter to the credit dept of the company, do tell them that you will just pay for the amount na paunti unti... pero mas maganda pa rin talaga if ireconnect mo yun para ma waive yung pre-termination fee. tapos tapusin mo nalang yung kaunting buwan na natitira para cleared ka..

[mazdamazda]

that reminds me to settle my Globe bill.

[pissword]

hahaha kaya ka pala nag sun sir mazda ha ehehehe

[van_wilder]

sayang kung masisira name mo...

[DGame]

With some of your statements. Do you think the company will push through na ipahuli ka sa mga pulis? nagpapanik ako sa utang ko e.

[Flash Back]

matagal na tong thread na ito, pasensiya na kung iuup ko ... pano pag wala ng demand letter na narerecieve and pano kung matagal na yung utang like mga less ten years old na?

[robot.sonic]

kalimutan mo na. most probably kinalimutan na rin yon ng company kung maliit lang naman.

[shadow]

matagal na tong thread na ito, pasensiya na kung iuup ko ... pano pag wala ng demand letter na narerecieve and pano kung matagal na yung utang like mga less ten years old na?

hinde na pagaaksyahan ng phone company yan...ang liit liit na amount...

[1D4LV]

With some of your statements. Do you think the company will push through na ipahuli ka sa mga pulis? nagpapanik ako sa utang ko e.

per Philippine Constutution : No person shall be jailed in non-payment of debts or poll tax. In Civil law, that is only a civil case for sum of money.
different kung estafa or if you've issued bouncing checks. it is still under the Penal Law, which, you can be arrested or jailed.

[d'flash]

matagal na tong thread na ito, pasensiya na kung iuup ko ... pano pag wala ng demand letter na narerecieve and pano kung matagal na yung utang like mga less ten years old na?

wala na yan, waive na yan, magkano ba?

[1D4LV]

wala na yan, waive na yan, magkano ba?

most probably, the debt has been waived off already.

[Flash Back]

most probably, the debt has been waived off already.

ano ba yung waived? paanong waived? kasi i made a call earlier tungkol dun... sabi tuloy tuloy daw ang billing charge... which made me confused.

[d'flash]

ano ba yung waived? paanong waived? kasi i made a call earlier tungkol dun... sabi tuloy tuloy daw ang billing charge... which made me confused.

waived off. wala na yung utang mo.

[Flash Back]

waived off. wala na yung utang mo.

pero may dumating na notice about modernization ng system what does it mean? saka after daw ng lock in auto renew daw ang contract?... totoo po ba yun?

[Galactus]

As a seasoned credit professional, medyo natatawa ako sa ibang statements dito.

Waived off does not automatically mean wala na yung utang mo. There is no such thing as waiver of debts in accounting books, pero merong write off. Meaning, hindi na recognized as accounts receivable (or notes or loans receivable) yung utang on the part of the creditor, pero pwede pa ring singilin yung sa borrower. Pag nagbayad yun, it is recognized as "other income."

The only limitation is kung over 10 years na yung utang, and in that time, walang demand letter or statement of account na natanggap ang borrower. That is the only time that the debt will be extinguished. But of course, only the court (if a case will be eventually filed), can make that distinction.

Re: freezing of bank accounts, only the Anti-Money Laundering Council and the courts can order that. Pero in order to do that, kailangang mag-file muna ng motion ang creditor, and engagement of lawyers and filing motions will cost money. If going through all that is deemed economically unfeasible, the creditor may simply write off the debt. Pero there are times na kahit maliit yung amount, tinutuluyan pa din sa korte just to teach the borrower a lesson. I've attended court hearings where credit card companies sued some borrowers for less than 20k. Baka arogante yung borrower na yun, kaya kinasuhan.

Been there, done that.

[shadow]

^small claims na lang yan diba? No need for lawyers...

Kahit naman magdemanda bank eh ano mapapala nila? Talaga naman may utang yun CC holder eh...

Baka nga lamang pa yun may utang dahil sabihin ng judge na 1-2% na lang interest start from the day when they defaulted and hinde compounded interest singilin ng bank

Saka bago dumating yan sa judge dami pa mediations.


Sent from my iPad using Tapatalk HD

[Flash Back]

As a seasoned credit professional, medyo natatawa ako sa ibang statements dito.

Waived off does not automatically mean wala na yung utang mo. There is no such thing as waiver of debts in accounting books, pero merong write off. Meaning, hindi na recognized as accounts receivable (or notes or loans receivable) yung utang on the part of the creditor, pero pwede pa ring singilin yung sa borrower. Pag nagbayad yun, it is recognized as "other income."

The only limitation is kung over 10 years na yung utang, and in that time, walang demand letter or statement of account na natanggap ang borrower. That is the only time that the debt will be extinguished. But of course, only the court (if a case will be eventually filed), can make that distinction.

Re: freezing of bank accounts, only the Anti-Money Laundering Council and the courts can order that. Pero in order to do that, kailangang mag-file muna ng motion ang creditor, and engagement of lawyers and filing motions will cost money. If going through all that is deemed economically unfeasible, the creditor may simply write off the debt. Pero there are times na kahit maliit yung amount, tinutuluyan pa din sa korte just to teach the borrower a lesson. I've attended court hearings where credit card companies sued some borrowers for less than 20k. Baka arogante yung borrower na yun, kaya kinasuhan.

Been there, done that.

sir i would like to ask something to you in private. nagppm po ako kaso di masedn because you already had exceeded na sa stored messages.

[Galactus]

The cases were filed before the enactment of the Small Claims Court. I've been attending our own cases filed in 2002, until now, under litigation pa din sa QC MTC.

And pwede na silang kasuhan under the Access Devices Regulation Act (RA 8484), under the provision na lumipat sila ng bahay without informing the credit card company. Criminal case yun, and not simply a civil case for Sum of Money.

We also file BP 22 cases sa ilang mga borrowers namin to teach them a lesson, kahit less than 50k, kasi criminal yun in nature, so may arrest warrant. And we make sure to transmit the court records to the credit bureaus to restrict their access to credit. And since automatic naman na pinapadala ng korte yung list of records nila sa NBI, then magakakaroon din sila ng NBI record, eh di mahihirapan silang maghanap ng work. Sometimes, kahit hindi kami mabayaran, basta may kaso sila, masaya na ako. Maybe ganun din yung aim ng bank.

Some borrowers kasi, sila na nga ang may atraso, sila pa ang mayabang. I've personally slapped the handcuffs on some of our arrogant borrowers (may kilala na kasi kaming pulis from the QCPD Warrant Section), and the feeling is priceless.