Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- 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 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 prin…
- 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. In the account repr…
- 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 38% upfront deduction led to an SEC case on rates and public shaming
A borrower said 38% of each Pinoy Peso loan's principal was deducted before the money was released. When the account moved into collection, she also reported threats, harassment an…
- A retired parent's pension was going to medicine when three card debts moved into collection
A daughter only learned the full picture after her 67-year-old mother had retired. Most of the pension was already going to medicine, while three card balances were reported at abo…
- 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…
- 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. The borrower accu…
- 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 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. According to the complaint,…
- 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. According to th…
- 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 eme…
- 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…