Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- Paid GLoan on Time—Why Is There a Penalty?
You sent the payment before the deadline, but a penalty is still sitting in GLoan. Start with the transaction record: a receipt showing when you sent money and a loan screen…
By BorrowTalk
Recent comments · 0 - ₱38,000 Borrowed, ₱55,100 Due in 15 Days?
A borrower on r/utangPH said they borrowed ₱38,000 through an app called Vplus on 7 October, with ₱55,100 due on 22 October.…
By BorrowTalk
Recent comments · 0 - GLoan Sakto Says 0%—So Why Is There a Fee?
“0% interest” can sound like you only return what you borrowed. GLoan Sakto’s help page lists both zero interest and a processing fee.…
By BorrowTalk
Recent comments · 0 - Finbro₱2,000 Finbro Re-loan, ₱4,011 Due—What Are the Charges?
A ₱2,000 Finbro re-loan. A ₱4,011 overdue balance. How did it get there? That's what a borrower was trying to sort out in a public request to the Credit Information Corporation…
By BorrowTalk
Recent comments · 0 - ₱16,800 Received, ₱28,000 Due in 7 Days?
A borrower on r/utangPH said they opened Garden Credit just to check whether the app was legitimate and what limit it might offer.…
By BorrowTalk
Recent comments · 0 - Paid Early, Still Charged ₱76?
A GLoan/GGives user said they paid 12 days early through a Fuse bill-payment route after losing access to the phone number used for the account.…
By BorrowTalk
Recent comments · 0 - BDO Refunded ₱75K—Pay ₱400K or ₱475K?
A BDO cardholder says a refund of ₱75,000 for a cancelled purchase posted on October 4, five days before the payment due date.…
By BorrowTalk
Recent comments · 0 - ₱40K Salary, ₱200K Debt—Which Bill First?
Question from a public Reddit discussion (paraphrased): I just got promoted. My salary went from ₱23,000 to ₱40,000, which should feel like good news.…
By BorrowTalk
Recent comments · 0 - Home CreditA borrower reported Qwarta interest after paying, then said they closed the account
A borrower opened Home Credit Qwarta expecting that a charge paid within a month would carry no interest. That was how, they said, a representative had explained it.…
By BorrowTalk
Recent comments · 0 - Home CreditA family member reported 12 payments still remained after PHP116,000 was paid on a PHP70,000 Home Credit loan
A family member described a PHP70,000 Home Credit cash loan with a 42-month schedule at PHP3,885 a month. According to the post, 30 monthly payments had already been made, adding…
By BorrowTalk
Recent comments · 0 - Home CreditHome Credit showed PHP108,000 in the app, then quoted PHP56,387 for early repayment
A borrower said they took a PHP70,000 Home Credit cash loan with a 36-month term. After 12 months, the Home Credit app still showed PHP108,000 as outstanding.…
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 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…
By BorrowTalk
Recent comments · 0 - 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.…
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 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.…
By BorrowTalk
Recent comments · 0 - 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.…
By BorrowTalk
Recent comments · 0 - 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…
By BorrowTalk
Recent comments · 0