Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- 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.…
By BorrowTalk
Recent comments · 0 - 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.…
By BorrowTalk
Recent comments · 0 - 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.…
By BorrowTalk
Recent comments · 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.…
By BorrowTalk
Recent comments · 0 - A PHP1.76 million credit-card claim was recalculated to PHP1.211 million in principal
A cardholder admitted using a bank-issued credit card but disputed how the balance had grown. The bank's collection complaint sought PHP1,757,024.53, including interest and late…
By BorrowTalk
Recent comments · 0 - A PHP1.21 million credit-card claim was dismissed after proof gaps
A Philippine bank filed a collection case for PHP1,213,114.19 in principal and supplementary credit-card charges. The respondents said they had not applied for or received the…
By BorrowTalk
Recent comments · 0 - The Supreme Court restored an NPC ruling in a borrower's contact-list complaint
A borrower filed a privacy complaint against FCash, operator of the Fast Cash app, after alleging that the lender accessed her phone contacts without authority.…
By BorrowTalk
Recent comments · 0 - A borrower reported a final credit-card decision and lump-sum demand after missing a hearing
A borrower said a credit-card balance went unpaid after a period marked by family loss, health issues and other financial setbacks.…
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 - GGivesA PHP 5,000 deposit was auto-debited, leaving no money for food that day
A borrower said several loans were being paid one by one. A credit card and a large personal loan had already been closed, and the borrower saw real progress, but automatic debits…
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 - A salary deposit became unusable while the payoff certificate and account status remained unresolved
One borrower said a Certificate of No Outstanding Balance was requested on July 14, 2026 after using a UnionDigital special payoff program.…
By BorrowTalk
Recent comments · 0 - The loan was due the next day, but the app and loan history had disappeared
One borrower said the Big Loan app would not open shortly before a loan payment was due. After uninstalling it and trying to reinstall it, the borrower could no longer find the app…
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 - The car loan was paid, but the vehicle documents stayed held until a later repayment review
One borrower said a BDO car loan had been fully paid in May 2025. When the borrower requested the original vehicle registration documents, the bank reportedly said it would first…
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