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Browse discussions, borrower experiences, and BorrowTalk guides.
- 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…
- 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 ch…
- A borrower reported paying off PHP825,000 in cards and personal loans
A borrower shared an update after bringing PHP825,000 in credit-card and personal-loan debt down to PHP41,000. The reduction had not come from one settlement or a sudden windfall. …
- 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 agr…
- 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. The borrower said the original principal was ab…
- 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. The borrower later received court papers and sai…
- 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 ide…
- 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 deve…
- Nearly PHP 300,000 in gambling debt was fully repaid, and savings reached six figures
One borrower reported that sports gambling had led to nearly PHP 300,000 in debt across multiple lending platforms by December 2025. During that period, the borrower described diff…
- A PHP 180,000 Revi balance was settled for about PHP 47,000, then the account was closed
One borrower reported that a CIMB Revi principal of about PHP 89,000 had reached roughly PHP 180,000 after around four years overdue. The borrower attributed the increase to intere…
- 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 ask…
- A PHP 373,040 balance came with a 48-month PHP 503,798 restructuring offer, but the borrower did not proceed
One borrower published a restructuring offer for a Security Bank balance reported at PHP 373,040.32. The quoted schedule listed PHP 10,495.80 a month for 48 months, an add-on month…
- After hiding more than PHP 200,000 in debt, telling a sister led to a shared due-date tracker
One borrower said debt across several online-loan and credit services had grown beyond PHP 200,000. Small loans that once looked manageable had accumulated as new borrowing was use…
- 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. The public source does not include a statemen…
- 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 disabilit…
- 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 …
- 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. During the visit, the agent put the borrower on the …
- 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. Two days later, according to the borrowe…
- 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…