Community
Browse discussions, borrower experiences, and BorrowTalk guides.
- After a Year Overdue, a GLoan Borrower Reports a ₱15,000 Settlement and App Closure
A borrower who said their GLoan had been overdue since July 2025 reported finally seeing the loan closed in the app in October 2026. The post described more than a year of uncertai…
- Near ₱400,000 in debt, a first overdue month brings home-visit fears
A borrower posting in r/utangPH on 8 October 2026 described almost ₱400,000 in obligations across credit cards and digital credit products, including BillEase, SLoan, SPayLater and…
- JuanHandA JuanHand borrower reported a lower credit limit after a short overdue spell
In a JuanHand overdue thread, one borrower said their sister received a call during a short delay in payment. They described the delay as about one day in one sentence and perhaps …
- GLoanA GLoan borrower says the Certificate of Full Payment arrived 12 days after the support ticket
A borrower said their GLoan had previously been overdue but was later fully paid. After payoff, they opened a GCash Support ticket asking for a Certificate of Full Payment. When th…
- BilleaseAfter about a year overdue, a BillEase borrower says the balance was paid after a penalty waiver
A borrower said a BillEase account had been overdue for about a year before the balance was finally paid. In the Reddit post, the borrower listed ₱21,000 as principal, ₱14,000 as o…
- A two-year plan for PHP1 million credit card debt was beyond this borrower's budget
A borrower said a failed laundry business had left around PHP1 million in principal on a Security Bank card. They were still paying other cards, but could no longer cover this card…
- Home CreditAfter 91 days overdue, a Home Credit borrower reported a twice-monthly payment arrangement without written terms
A Home Credit borrower said their account was terminated after 91 days overdue. Financial difficulty had kept them from paying the full overdue amount, although they had been makin…
- A borrower reported nearly PHP8 million in card and loan debt while restructuring still exceeded income
A borrower described unpaid credit card debt and instalment balances across several banks that were approaching PHP8 million. Minimum payments had been missed, and the borrower rep…
- A borrower reported that one PHP390,000 credit-card debt was settled for PHP140,000, while two debts remained
A borrower said one credit card debt had grown to PHP390,000 after interest and penalties. The account had passed through three collection agencies. The last collection agency off…
- MoneyCat settlement was one day late, and the account stayed active
A borrower using the MoneyCat loan app said a PHP18,340 settlement was due on June 5. The borrower paid PHP10,000 on June 2, then paid the remaining PHP8,340 on June 6. The public …
- 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…
- 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 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…
- 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…