Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- A nearly 10-year-old ₱180,000 card balance was settled for ₱26,000; the certificate was still pending
One borrower had opened an EastWest credit card in 2015. After unexpected life events and missed payments, the borrower reported that an original principal of about ₱18,000 had gro…
- Two overdue cards were settled for about ₱68,000; the payment certificates arrived two weeks later
One borrower had several overdue credit cards and decided six months earlier to stop trying to cover the minimum amount due on every account. Instead, the borrower saved money whil…
- Two of six credit cards and a ₱300,000 personal loan were paid; the rest was still in progress
One borrower looked back on a debt problem that had grown since 2022. The public account described six credit cards, personal loans, and overlapping monthly payments that had becom…
- GGives +2 platformsWith ₱3.17M across more than 20 accounts, one borrower stopped trying to meet every minimum
One borrower finally totalled more than 20 obligations and reported about ₱3.17 million in debt. The list included credit cards, personal loans, financing, installment apps, and tw…
- The first due date changed after the auto-debit did not happen
One borrower applied for a UnionBank personal loan through the bank's website. An agent called within about 12 hours to verify details. The borrower reported approval around four h…
- The balance showed ₱1 million. The amnesty offer was ₱600,000—and still unaffordable
I received an amnesty-program offer from a collection agency. The balance they showed had reached about ₱1 million because of charges and other additions. The offered amount was ar…
- Billease +1 platform₱700k across installments: I had started shrinking some loans, but the cycle wasn’t over
My debt started growing in 2022, when my income was not enough for what I was spending. By the time I wrote about it, I was earning around ₱55,000, but the total had reached roughl…
- BilleaseMalayo pa, pero may plano na: how I started sorting out several debts
I had around ₱4 million in total debt and about ₱120,000 take-home pay. For almost two years, I kept paying minimum amounts and renewing loans. The balances were still there. For …
- Nagbayad ako ayon sa usapan—bakit may final demand pa rin?
May loan akong nasa ₱82,000. Nang makausap ko ang collection agency, sinabi kong ₱2,000 lang ang kaya kong bayaran bawat buwan. Sabi ko rin na kung may restructuring program at mai…
- 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…
- FinbroA Finbro account can return from a collection agency to direct Finbro contact before resolution
One public Finbro borrower described an overdue account moving through more than one servicing checkpoint. At about 98 days overdue, the borrower identified New Source as the colle…
- FinbroA Finbro field-visit warning does not establish whether a visit will happen
Public Finbro borrowers reported different later checkpoints after receiving home- or field-visit language. One account overdue since February 3 received a field-visit message in M…