Hello Everyone,
I applied a Personal Loan (Salary Stretch) from China Trust Philippines through Salary deduction. My loan is 50 thousand pesos payable in 3 years. Everything is going smoothly as I have expected. After 1 and a half years, I lost my job and then my nightmares begun. After 1 month of delay they started calling and calling reminding me that the due date is over due, after a month they threatened to sue me for not paying my loan. After the second month, they transferred my account to CNCCSI (CENDANA-NERI CREDIT & COLLECTION SERVICES INC. at Quezon City, Philippines sending out a final demand notice for me to settle the balance even if 3 years in not yet over and I was shocked because my remaining balance incurred an increase of 11 percent from the over all Loan Amount.
I know that when you borrowed something you need to return it, but in this case I don't think it's fair for them to increase the interest to 11 percent after a month of not able to pay my loan and threatens to sue me and confiscate my personal properties. Instead of coming up with ways to help their clients come up with ways to settle the remaining balance, they will be adding additional interest of 11 percent plus threats.
They are also issuing BLANK CHECKS and that if you went overdue even just for a day, you will be paying a penalty of 2000 pesos per day because the check that they issued to you bounced. Luckilly I was able to say NO AND NOT ACCEPT when they tried to issue me out POST DATED CHECKS.
TO THOSE WHO HAVE AN EXISTING LOAN BEWARE! TO THOSE WHO ARE PLANNING TO LOAN FROM CHINA TRUST, THINK MANY TIMES FOR YOU MIGHT END UP OWING THEM FOR A LIFETIME.
For me I lost my TRUST from CHINA TRUST and I am currently working with my Lawyer to file charges against them.
Regards,
Call Center Agent
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Kung makapanira naman. Tandaan ang bottomline. Sino ba ang may utang? Sino ba ang pumirma ng term bago marelease ang loan? Hindi dahilan ang nawalan ng work. Bago ka nagloan alam mo ang terms
ReplyDeleteSir be responsible specially for a loan.. its ur responsibilty to repay ur debts, d kasalanan ng bank na nawalan ka ng work... ikaw ang mag isip isip bago ka magloan...
DeleteSir be responsible specially for a loan.. its ur responsibilty to repay ur debts, d kasalanan ng bank na nawalan ka ng work... ikaw ang mag isip isip bago ka magloan...
DeleteMy advise to you is very simple. Wag mo na bayaran yung loan mo dahil kahit anong bayaran mo dyan dahil 11% interest pinapataw nila, dmo na mababayaran yan unless you settle it in one time payment. I have a loan as well amounting to 200K payable in 3 years lang dapat and since nadelay ako ng 3 months pinatungan nila ng katakot takot na interest and supposedly 200K na loan na nahuhulugan ko naman ng walang palya in 1 full year, ginawa nilang 400K. Wtf? Like seriously? Nadelay lang ng 3 months ganun na lumobo ang loan to almost 500K ðĪðĪðĪ. That's why I never paid it. Maghabol sila puntahan nila ako d2 kung saang lupalop ng Earth. ððð―ððŋ
Deleteano na balita or update sa loan mo? Jin Mikael
DeleteKung makapanira naman. Tandaan ang bottomline. Sino ba ang may utang? Sino ba ang pumirma ng term bago marelease ang loan? Hindi dahilan ang nawalan ng work. Bago ka nagloan alam mo ang terms
ReplyDeleteManahimik ka bakla. Cguro isa kang dugyot na patay gutom na ahente ng CTBC na nagpupunta sa mga companies at mang-udyok na magloan. Wala ka na ba masingil bakla? ðĪŠððĪŠð
DeleteMy advise to you is very simple. Wag mo na bayaran yung loan mo dahil kahit anong bayaran mo dyan dahil 11% interest pinapataw nila, dmo na mababayaran yan unless you settle it in one time payment. I have a loan as well amounting to 200K payable in 3 years lang dapat and since nadelay ako ng 3 months pinatungan nila ng katakot takot na interest and supposedly 200K na loan na nahuhulugan ko naman ng walang palya in 1 full year, ginawa nilang 400K. Wtf? Like seriously? Nadelay lang ng 3 months ganun na lumobo ang loan to almost 500K ðĪðĪðĪ. That's why I never paid it. Maghabol sila puntahan nila ako d2 kung saang lupalop ng Earth. ð
DeleteKaya yan ang issue ng BSP ngayon sa mga bangko sa pag approve ng loan. HIGH FREQUENCY ANG PAST DUE ng mga call center agents sa mga loans. Umutang lang ng kailangang amount at kayang bayaran. Tanga.
ReplyDeleteMy advise to you is very simple. Wag mo na bayaran yung loan mo dahil kahit anong bayaran mo dyan dahil 11% interest pinapataw nila, dmo na mababayaran yan unless you settle it in one time payment. I have a loan as well amounting to 200K payable in 3 years lang dapat and since nadelay ako ng 3 months pinatungan nila ng katakot takot na interest and supposedly 200K na loan na nahuhulugan ko naman ng walang palya in 1 full year, ginawa nilang 400K. Wtf? Like seriously? Nadelay lang ng 3 months ganun na lumobo ang loan to almost 500K ðĪðĪðĪ. That's why I never paid it. Maghabol sila puntahan nila ako d2 kung saang lupalop ng Earth. ððð
DeleteWe would like to acknowledge the exceptional service that we received during the entire refinancing process. Mr Lee's professionalism and knowledge of the loan company was impressive and truly appreciated. Mr Lee is a reliable loan officer.In the past, we have had experience with several other banks and have found the process frustrating and tedious. Mr Lee went above and beyond to ensure that all of our needs were met and that everything was handled thoroughly and efficiently. We have and will continue to recommend him in the future.”Mr Lee Contact Email 247officedept@gmail.com Whatsapp +1-989-394-3740.
ReplyDeleteManahimik ka bakla. Cguro isa kang dugyot na patay gutom na ahente ng CTBC na nagpupunta sa mga companies at mang-udyok na magloan. Wala ka na ba masingil bakla? ðĪŠððĪŠððĪŠ
ReplyDeleteMy advise to you is very simple. Wag mo na bayaran yung loan mo dahil kahit anong bayaran mo dyan dahil 11% interest pinapataw nila, dmo na mababayaran yan unless you settle it in one time payment. I have a loan as well amounting to 200K payable in 3 years lang dapat and since nadelay ako ng 3 months pinatungan nila ng katakot takot na interest and supposedly 200K na loan na nahuhulugan ko naman ng walang palya in 1 full year, ginawa nilang 400K. Wtf? Like seriously? Nadelay lang ng 3 months ganun na lumobo ang loan. That's why I never paid it. Maghabol sila puntahan nila ako d2 kung saang lupalop ako ng Earth. ðððð
ReplyDeleteMy advise to you is very simple. Wag mo na bayaran yung loan mo dahil kahit anong bayaran mo dyan dahil 11% interest pinapataw nila, dmo na mababayaran yan unless you settle it in one time payment. I have a loan as well amounting to 200K payable in 3 years lang dapat and since nadelay ako ng 3 months pinatungan nila ng katakot takot na interest and supposedly 200K na loan na nahuhulugan ko naman ng walang palya in 1 full year, ginawa nilang 400K. Wtf? Like seriously? Nadelay lang ng 3 months ganun na lumobo ang loan. That's why I never paid it. Maghabol sila puntahan nila ako d2 kung saang lupalop ao ng Earth. ðððð
ReplyDelete