Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- A borrower reported paying a 50% card settlement, then receiving the certificate
A borrower was trying to close a BPI credit-card debt through a third-party collector. The collector agreed to a one-time payment equal to 50% of the balance and sent a written…
By BorrowTalk
Recent comments · 0 - Pregnant and out of work, a borrower could offer PHP 90,000 but the settlement request was refused
Pregnant and no longer working, a borrower was trying to resolve a Metrobank credit-card balance that had reached about PHP 168,800.…
By BorrowTalk
Recent comments · 0 - A borrower reported eight CashGuard loan products; the SEC found harassment and charges above the cap
One borrower said a loan obtained through CashGuard, Fast Coin Lending Corp.'s online lending app, generated multiple loan accounts covering eight loan products.…
By BorrowTalk
Recent comments · 0 - The balance was paid at 11 a.m., but collection calls continued into the afternoon
One borrower missed a credit-card payment due on August 7. On August 18, while at work, calls began arriving from a series of numbers that the borrower did not recognize or see…
By BorrowTalk
Recent comments · 0 - A borrower said collectors intercepted him on the road; the SEC fined Global Dominion
A Philippine borrower complained that third-party collection agents working for Global Dominion intercepted him on the road because of delayed payments.…
By BorrowTalk
Recent comments · 0 - Home CreditA borrower said collectors kept using a third-party home after a written objection; the SEC fined Home Credit
A Philippine borrower complained that Home Credit collection activity took place at a residence occupied by people who were not guarantors or co-makers on the loan.…
By BorrowTalk
Recent comments · 0 - A borrower reported shaming and threats to contact employers; the SEC fined the lender
A Philippine borrower complained about collection activity after delayed payments. Public reporting on the case said the borrower described shaming language, threats to contact…
By BorrowTalk
Recent comments · 0 - A final demand offered up to 50% off, then one account offered about 64%
One borrower said credit-card debts and a personal loan connected to a family business in the Philippines had become overdue after the borrower moved overseas and the business…
By BorrowTalk
Recent comments · 0 - About PHP 90,000 was overdue, but the law firm asked for PHP 180,000 before restructuring
One borrower reported that a UnionBank personal loan had about PHP 90,000 overdue after roughly four months. The account had already reached a law firm, which the borrower said…
By BorrowTalk
Recent comments · 0 - A PHP 25,000 balance became PHP 33,842, then two very different payment offers arrived
One borrower said a UnionBank balance began at PHP 25,000. After about five to six months overdue, the amount shown was PHP 33,842.30.…
By BorrowTalk
Recent comments · 0 - Home CreditAfter a stroke, one family faced medical costs, a missed loan payment and an unresolved insurance request
A family member said a Home Credit loan belonged to the borrower's father. The borrower had experienced a stroke, was partially paralysed and was treated as a person with…
By BorrowTalk
Recent comments · 0 - After about half the three-year loan schedule was paid, a collection demand listed PHP 500,000
One borrower said a CTBC personal loan began at PHP 200,000 with a three-year payment schedule. The borrower reported making payments for almost one and a half years before…
By BorrowTalk
Recent comments · 0 - A home visit brought a next-day down-payment deadline on a PHP 101,000 card balance
One borrower said a field agent arrived at the home with a demand letter showing a PHP 101,000 outstanding credit-card balance.…
By BorrowTalk
Recent comments · 0 - The PHP 250,000 personal loan was finally closed, while credit-card debt still remained
One borrower first returned with an update about two years after an earlier debt post. During the earlier period, calls from collection agencies and online lending apps had caused…
By BorrowTalk
Recent comments · 0 - The payment check showed PHP 5,000–9,000 left, while collectors asked for PHP 21,000 or more
One borrower publicly listed several debts under a total loan figure of PHP 181,633.52. In a later update to the same thread, the borrower described a specific UnionBank balance…
By BorrowTalk
Recent comments · 0 - After a one-time settlement, the branch found no hold on the payroll account
One borrower said repeated calls to Security Bank collections eventually identified the collection agency handling an overdue credit-card account.…
By BorrowTalk
Recent comments · 0 - A new collector said a settled salary loan was unpaid, then the bank issued a payment certificate
One borrower said a salary-advance loan had been settled through a collection agency in January 2025. The borrower paid the amount requested and kept an email confirming…
By BorrowTalk
Recent comments · 0 - Five debts were paid after two years, but one card still appeared active in the app
One borrower said five card or loan obligations were paid between March and May 2026 after roughly two years of delinquency.…
By BorrowTalk
Recent comments · 0 - A final demand arrived nearly two years after the borrower believed the card was paid
One borrower said a BPI credit-card outstanding balance had been paid almost two years before a new final demand letter arrived.…
By BorrowTalk
Recent comments · 0 - After the payment arrangement ended and the balance was paid, the card was reinstated
One borrower had a credit-card account that was already under a payment arrangement and had been endorsed to a collection agency.…
By BorrowTalk
Recent comments · 0