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Browse discussions, borrower experiences, and BorrowTalk guides.
- TendoA settled Tendo account at one employer did not guarantee approval at the next
A borrower reported that a Tendo account and balance linked to a previous employer had been settled and closed. After moving to another employer that also partnered with Tendo, the…
- TendoA manual Tendo repayment plan after resignation reached full repayment for one borrower
One borrower described resigning after roughly half of a payroll-deducted Tendo loan had been paid. Their backpay was later applied, but a balance remained and they could not pay i…
- GGivesA negotiated GGives payoff can clear from the app without a completion certificate
Long-overdue GGives accounts show that collection contact, negotiated payment, reminders stopping, app clearance and settlement documents are not one event. One borrower described…
- GGivesA GGives reversal can clear the installment while an earlier payment remains only partly refunded
A merchant cancellation, a GGives reversal, restored available credit and money already paid back are separate outcomes. In one public account, a GGives-funded merchant payment di…
- GCreditA zero GCredit dashboard, a shrinking SOA balance and silence after payment are three checkpoints
A 2026 borrower said the GCredit dashboard showed zero while statement and collection messages referred to a much larger outstanding amount. The borrower sent proof of payment and …
- GCredit“Active” on one side did not restore a missing GCredit dashboard before closure
One borrower reported that the GCredit dashboard disappeared after an unexpected account-verification message, even though a balance was still due. The borrower said CIMB separatel…
- Home CreditA paid Home Credit loan and its credit-report status are separate records
Paying or completing a Home Credit loan does not by itself prove what a later external credit report will display. One borrower reported Home Credit loans paid in 2020 still appear…
- Home CreditWhat happened after an actual Home Credit visit is a separate checkpoint
Borrowers who said a field officer actually arrived—not merely sent a message—reported different next states. One received a paper reminder, paid after salary and later said collec…
- FinbroA Finbro entry can be absent from one credit report and disputed on another
Public credit-report checks produced different Finbro outcomes. One borrower said Finbro did not appear in a CIBI report. Another borrower said Finbro did appear and was marked del…
- MocaMocaA cancellation request did not stop one pending MocaMoca disbursement
One borrower said a MocaMoca application was already pending disbursement when the loan was no longer needed. The borrower contacted support to cancel it, but reported receiving no…
- MocaMocaExtension payments and account closure need two separate checkpoints
Public MocaMoca accounts describe extension payments and final closure as different checkpoints. One borrower said an extension fee was paid three times before realizing those pay…
- MocaMocaA penalty waiver can close some MocaMoca loans while others stay overdue
One 2026 Android borrower with several MocaMoca loans reported reaching a penalty-waiver agreement through support. The borrower said payment was made immediately and several loans…
- Online Loans PilipinasOLP reflected payment, collector status, account closure and later re-contact are four separate checks
One 2026 discussion described paying a discounted amount inside the OLP app. The borrower said OLP later confirmed that payment was reflected, while a collection group still called…
- Online Loans PilipinasAn OLP arrangement can be offered, revised, missed or paid — those are different outcomes
One 2026 borrower reported that an OLP account was endorsed to a collector and first received a time-limited discount. The same account later described a different offer, then said…
- CashaloAccount deletion and backend data erasure are not the same claim
In a public debt-paydown milestone, one borrower explicitly listed Cashalo among the accounts they had deleted and uninstalled. The same borrower contrasted that state with another…
- CashaloA two-week overdue period ended in payment, with no reported visit or demand letter
A borrower posted after realizing a Cashalo payment was already due and said the full amount could not be paid that day. The original question focused on what might happen next, in…
- CashaloA small-claim email led to an installment agreement, not a reported court result
A borrower reported that a Cashalo balance had been overdue for more than a year. Early calls reportedly stopped, and the borrower later found an April email saying the account was…
- Maya Easy CreditA blocked Wallet funding route does not by itself settle—or erase—the Easy Credit bill
One January 2026 borrower said their Maya Wallet had reached its incoming limit, so they could not add funds there while an Easy Credit bill was due. In a later update, the same ac…
- Maya Easy CreditA settlement certificate is not the same as a closed Maya Easy Credit account
A late-August 2026 public account shows several different endpoints after a discounted settlement. The borrower said a third-party collector accepted payment on June 26 and issued …
- SLoanLeaving SLoan unused, removing the feature and deleting a Shopee account are not the same action
Some public questions ask how to permanently disable SLoan after activation, often because a household wants to prevent future borrowing. The captured discussions did not provide a…