Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- JuanHandA JuanHand borrower reported a lower credit limit after a short overdue spell
In a JuanHand overdue thread, one borrower said their sister received a call during a short delay in payment. They described the delay as about one day in one sentence and perhaps …
- GLoanA GLoan borrower says the Certificate of Full Payment arrived 12 days after the support ticket
A borrower said their GLoan had previously been overdue but was later fully paid. After payoff, they opened a GCash Support ticket asking for a Certificate of Full Payment. When th…
- BilleaseAfter about a year overdue, a BillEase borrower says the balance was paid after a penalty waiver
A borrower said a BillEase account had been overdue for about a year before the balance was finally paid. In the Reddit post, the borrower listed ₱21,000 as principal, ₱14,000 as o…
- GCredit collection message? Verify before paying
An agency name on a GCash list does not verify a particular caller. Use a four-part GCredit check and a ready-to-send message for official support.
- Collection Complaint Watchlist: What BorrowTalk Found in 89 Reviewed PH Source Units
In a 12-month PH review, BorrowTalk screened 89 public source units and found 38 qualifying collection events. Maya Easy Credit appeared in 7 qualifying events and Home Credit in 5…
- After loan-app harassment, a borrower reported complaints and gradual payoffs
A PH borrower described online loans spread across more than 20 loan apps by January 2026. Taking new loans to cover old ones had left her deeper in debt. She said harassing calls …
- A two-year plan for PHP1 million credit card debt was beyond this borrower's budget
A borrower said a failed laundry business had left around PHP1 million in principal on a Security Bank card. They were still paying other cards, but could no longer cover this card…
- Home CreditA borrower reported Qwarta interest after paying, then said they closed the account
A borrower opened Home Credit Qwarta expecting that a charge paid within a month would carry no interest. That was how, they said, a representative had explained it. They paid the …
- Home CreditAfter 91 days overdue, a Home Credit borrower reported a twice-monthly payment arrangement without written terms
A Home Credit borrower said their account was terminated after 91 days overdue. Financial difficulty had kept them from paying the full overdue amount, although they had been makin…
- Home CreditA borrower paid the Home Credit balance in the app after a family payment did not appear
A borrower found an old Home Credit account linked to their details after opening a new account. Relatives had used those details for a school-related purchase and, according to th…
- A borrower reported nearly PHP8 million in card and loan debt while restructuring still exceeded income
A borrower described unpaid credit card debt and instalment balances across several banks that were approaching PHP8 million. Minimum payments had been missed, and the borrower rep…
- Home CreditA family member reported 12 payments still remained after PHP116,000 was paid on a PHP70,000 Home Credit loan
A family member described a PHP70,000 Home Credit cash loan with a 42-month schedule at PHP3,885 a month. According to the post, 30 monthly payments had already been made, adding u…
- A borrower reported that one PHP390,000 credit-card debt was settled for PHP140,000, while two debts remained
A borrower said one credit card debt had grown to PHP390,000 after interest and penalties. The account had passed through three collection agencies. The last collection agency off…
- Billease +4 platformsA borrower reported that a debt consolidation loan covered only half the amount, but monthly payments became easier
A borrower was trying to manage more than PHP420,000 across several loans, installments and credit-card balances while earning about PHP70,000 a month. The list included balances w…
- Home CreditHome Credit debited PHP25,000 after account termination, then refunded it
A borrower said a Home Credit loan of about PHP150,000 had been opened in 2022. After three months without payment, the account was terminated and endorsed to a collection agency, …
- Home CreditHome Credit showed PHP108,000 in the app, then quoted PHP56,387 for early repayment
A borrower said they took a PHP70,000 Home Credit cash loan with a 36-month term. After 12 months, the Home Credit app still showed PHP108,000 as outstanding. The borrower contact…
- MoneyCat settlement was one day late, and the account stayed active
A borrower using the MoneyCat loan app said a PHP18,340 settlement was due on June 5. The borrower paid PHP10,000 on June 2, then paid the remaining PHP8,340 on June 6. The public …
- Home CreditTwo cooling-off payments appeared as advances in the Home Credit app
A borrower was approved for a PHP60,000 Home Credit cash loan on June 4 and said a little over PHP59,000 reached the bank account after processing charges. On June 16, after decidi…
- Partial payments did not stop a credit-card balance from reaching PHP141,518.34
A borrower used a BPI credit card and later fell behind. The statements reproduced in the court record began with PHP94,843.70 in October 2002. They also showed payments of PHP15,0…
- The bank's internal record replaced a higher statement balance, but PHP98,527.40 remained due
A credit-card holder and the issuing bank entered court with different starting figures. One statement showed PHP278,649.87. The bank's own internal record showed PHP223,749.48, wh…