I have overdue loan of 1 week from BIG LOAN, Mr cash. 7600 ang total amount sa lahat. My mom was hospitalized and I don’t have any choice. What kind of harassment they’re doing? Is it true that they post you on social media?

I have 2 restructurings with EW, one for 5k and one for 8k, I thought I could pay both. But in the end, I can't pay the 8k. I'm talking to them to see if I can restructure it again. But they're still hounding me. I totally drained my savings since I gave birth and then the baby got sick. How about some help?

i have a question, if may overdue payments ka from other OLA, maapektuhan ba pag reloan sa esalad? matatapos na kasi esalad ko but i have overdue payments sa OLA huhu

Hello,

I need your advice. I don't plan to OD on my loans, but it seems like I no longer have a choice but to let some of them become overdue. 😭 I don't think I can continue with the TAPAL system anymore. It has led me to borrow from other loan apps that I didn't originally have.

Originally, I only had Billease, Tala, and JuanHand. This started in 2022 after we invested in a crypto scam. Then it was one problem after another, and on top of that, I was introduced to gambling sites. I admit that I became addicted and let things get out of hand.

I was trying to manage my addiction while also dealing with my family's needs because I felt like whenever they asked for something, I was obliged to provide for them. So I would take out loans, send the money to them, and use the rest for gambling. Sometimes I won, but countless times I lost, which only led to more stress and more problems.

I have already submitted my self-exclusion form for five years. I really have to put an end to this.

I have never had any loans become overdue before, but this month has been extremely difficult. We had to pay loans that were made by our relatives, and I have already sold almost anything I could sell just to make amends.

My relatives might think that I'm still okay, but I'm actually really struggling right now.

I am planning to stop the TAPAL system, but I'm afraid they might visit my address, which is actually my sibling's address. With UNO, I have sent them multiple SMS messages and emails asking them to restructure my loan, but I haven't received a single reply from them.

I don't answer calls from numbers I don't recognize. I've always been that way unless they text me first.

I want to continue using my credit cards: BPI, Metrobank, UnionBank, and maybe Atome. I'll find a way to manage them. I just converted one of them to a six-month installment plan and have already made my first payment.

My priority is paying the GLoan under my relative's account. I don't want her credit score to be damaged because of that loan. Technically, it was my loan, but I took it out for another family member, so it wasn't entirely for myself.

My biggest concern is the newer online lending apps. I don't know if they will harass me, contact people I know, or even go to my workplace. I'm overthinking a lot right now, and honestly, I'm scared of what might happen.

I might have to give up Tala and JuanHand because I can no longer afford them. I also shared my work email with JuanHand, so I don't know what they might do with that information.

For context, I only earn around ₱30K+ a month.

For the debts I owe to actual people, I already have a plan and I will do everything I can to pay them. I'd rather let go of these online lending apps and deal with those debts than have people I personally know suffer because of money I owe them.

With my salary, I know it'll be too difficult to manage paying the GLOAN, BPI, Billease and Atome monthly if I chose to keep paying these 4 especially the first two.

I know this is a lot, but I would really appreciate your advice on what I should prioritize and what I should do next. Note that I don't plan on not paying them, I just want to be able to save then pay once I have the money. Although if I keep paying BPI, I would never save anything but they have my sibling's number and they had called in the past. Should I give up BPI too and just focus on my priority (Gloan) and the CCs that doesn't have interests? Should I uninstalled the online apps? I had good credit standing which is why I got to apply from multiple lending apps but I can't get approved anymore with other online apps.

The reason I'm scared of paying the newer lending apps is because my system has always been "pay, then reloan." If I pay them and they don't allow me to reloan anymore, I will really be screwed because I won't have enough money to cover everything else.

I'm sorry this is so long but thank you for those who would give me kind and good advice.

Yung friend ko na magsesend dapat sakin ng 50k sa BDO namali salaat 2 digit.

Questions:

1. Mababalik ba ng bdo ito knowing di match uung account name sa account number?

2. Kusa ba ibabalik ito ng nakatanggap ng pera or may way ba para makausap yung nakatanggap ng pera?

It started with a simple problem: managing shared family expenses, tracking bills, and splitting costs with friends without dealing with clunky spreadsheets or losing track of receipts.

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Yung biglaang gastusin:

“Uy, friend tara sa Baguio mamaya! Sorry biglaan ‘to ah.”

#RedefiningFilipinos

Hi, I have an active eSALAD loan from Security Bank, which I started before my maternity leave. I haven’t been able to make payments since then, and my bank account has already become negative because of the deductions.

I’m worried that when I return to work, my entire salary might be deducted to cover the outstanding balance. Is there any way to stop or prevent the deductions from taking my whole salary? I’d really appreciate any advice on what I can do.

20male
Qc

Ask lang po. Totoo po kaya na nag vvisit sila sa address na nilagay sa atome? Overdue na po ng 15 or 16days na 7k plus po yung overdue

Eto po sabi sakin tsaka SMS/NUMBER lang, hindi mismo atome.

Atome Customer, * ****
Your account is now in serious delinquency due to non-payment. Your late fees and interest are continuously increasing, and your account is at risk of legal escalation and permanent suspension.

Immediate full payment is required today. Failure to comply will result in reporting to credit bureaus and possible legal procedures.

This is your final and last opportunity to settle before enforcement begins.

started around July 2025 nad eto na recent savings ko, papalo na ng 47,500 di pa kasi nag reflect yung deposit ko yesterday.

Nakakagana makita na may ipon. Matic every sweldo, 2500 agad hinhulog ko.

Share your stories of how you manage to grouw you MP2 funds! :)

Bagong gawa yung account ko, tapos may hinihingi pang details. Kaso hindi ko nasave yung ss number tyaka password. Ilang months ko hindi ginalaw. Paano maayos yun?

I am currently unemployed and just resigned from work 4 months ago. Apparently, some emergencies happened and is needing to loan to pay next next month's bills until I get myself back on feet and be able to have salary again.

I am currently offered with 10k sa MEC and has 7.5k sa Savings ko in Maya. However, that 7.5k will be drained once I paid my bills for next month.

Can that 10k offer still be changed or will it stay even if mawalan ng laman Maya Wallet/Savings ko?