Dami nagrereklamo dito kesyo hinaharass daw makulit agents ng HC (infairness makulit naman talaga sila kahit 1 week pa ang due mo tumatawag kahit madaling araw nyeta yan sila hehehe). I have not missed any payment every month but they’re treating me badly like I skipped payment from them/ like i don’t pay them. Plus if your due is approaching or u forgot to pay on your due date GRABE ang harrasment. Pero mag 2 weeks na po after i fully paid my terms. First of all calling your friends,families and friends means you have a delinquent account and they are not able to contact you so they call your alternative contact refferences as states in their Terms and Conditions which you agreed and signed. I think Home Credit is not regulated by BSP. Yes, naka-less na sa loan amount yung down payment, that is why it is advisable to provide the highest down payment para lumiit ang monthly amortization. Rest assured that we are not, in any way, affiliated with Home Credit or any other online cash lenders reviewed . Unfortunately, some customers were unable to pay on time, but nevertheless paid the following day; hence being bombarded by reminders from Home Credit. Pero guess what again, after a week nagdouble ang bill k o dahil sa penalty, edi tumawag na naman ako. Nag-loan ako ng cp last May 15,2017. Di nman po aq nagpapalya s pgbbyad. Ina-apply po ito sa court kapag may existing or balak na isampa na kaso laban sa isang tao. !!!!! Same here parang na scam ako ..home credit no more. Agree po ako jan.. Hindi ko din po maintindihan kung bakit napakadaming negative/hate comments ang home credit dito. Compare your options and apply through Moneymax! For the meantime, here is a step-by-step video explaining the Home Credit loan application that also serves as a review. kayo na lang po nabuhay. The question is, what if wala na syang plan isettle yung ni loan nya, ano po pwedeng mangyari? i was charged for insurance for the phone i got but i never agreed to it, sabe ko if they can show me a proof na pumirma ako cge babayaran ko pero wala sila maipakita. Well, better luck next time for me then. You can also improve your chances of approval by presenting any available document that proves your financial capabilities. Ang kso lang sa sobrang laki tubo ung iba naiisipan na lang pag nabalik na nla exact amount ni loan nla stop na sa pag babayad. illegal po ang gnagawa nila. Amazing), because they will not call you. From the very onset, you already knew how much you will pay and that the interest will be almost 100% pero you still accepted the terms and signed up. Maaari lang po mag-file ng collection case ang Home Credit laban sa inyo. Ngayon ng threat na silang legal. Kasi. With a goal to help Filipinos lead healthier financial lives, Moneymax regularly publishes tips and tricks on personal finance and lifestyle, among many other topics. Kung ako sayo wag ka na lang tumuloy. Kahit sa second loan mo, kahit hindi mo nilagay ung person sa Reference list mo, tatawagan nila. This is why credit card companies offer zero percent installment to lessen the burden of paying. Your email address will not be published. They were deducting the amount on time and with the exact amount. Avant offers personal loans to borrowers with fair credit — the lender states on its website that the average credit score of its borrowers is 600 to 700. Tapos grabe tawag ng tawag baka halos nakaka almost 100x sila sa pag tawag sakin sa isang araw. Built to help with lifes small emergencies, payday loans offer quick cash when payday is a little too far away. Ok, ganito… Habang kausap ko sa phone yung nag ooffer, STEPHANIE OF HEAD OFFICE nung umpisa medyo mahinahon, yun ay habang pinipilit nya ako mag avail. Home Credit, credit approval process and guidelines of Home Credit, and the final decision of Home Credit. ), 14 Online Gadget Stores for Your Tech and Gaming Needs This ECQ, Key Features of Home Credit Standard Loan, How to Apply for a Cash Loan in Home Credit. They can also chat with a customer rep for any questions and concerns. Home Credit cannot do that po. May point is, from december to april, ngayon lang ako na-inform na may balance ako? Hi Marjorie. Nag migrate na sya sa Canada last month and he’s unemployed so meaning he can’t pay his loan. ask ko lang we had a cp loan last year, and it was already being paid on time. Yun lang. Pero sa payment status sa wedsite nla eh wla pa na mn charge na naidagdag sa dapat q bayaran, so binayaran q pero sabi ng home credit unsuccessful dw.. Kng how much lng don nakappair na amount yon lng nman binayad q.. Hi Che! Hello po, nag avail po kasi ako ng cash loan. I also received message informing me that I was qualified for P53,000 cash loan. isn’t too much just for the 24k na inutang ko sknila? Balance pa. Kong another 30k.. Kasi. And since then, the company expanded its operations to include cash loans. sobrang taas ng interest at ang bilis magpatong ng penalty. The major differentiator with them is that they cater to individuals with bad credit, so if you need a loan but may not qualify with other websites, it’s worth checking out CashUSA.com.. Each direct lender offers different rates and terms, so it’s important to carefully review them if you receive a loan offer. Tinatawagan nila even mga person related to you (old friend, ex co-worker) na hindi mo nilagay sa reference person mo. Same scenario tayo, naclose mo ba acct mo sa kanila? Have you cleared this with Home Credit already? Tapos nag compute ako s lahat ng nabayad ko, umabot na pala 15k. Apparently, we don’t know how Home Credit conducts its processing of application or the criteria they follow, so we cannot really give you a specific answer on this. Happy for them ofcourse but I am really clueless why those superiors were declined. Hi po! Pero sabi nitong tumawag sken sa Home Credit itong collector. Have your credit facilities been reduced or declined? 53k lng hnram mu tpos ung interest malaki pa s inutang? Any form of harassment is prohibited and will never be tolerated by the BSP. (G.R. Para mas mataas ang makuhang interest? Hanggang ngayon di pa ako nakatulog. Ano to hone credit?? Ang ginagawa lng naman ng HC is to send a message that they have received the payment. mali po ang post na ito. We had a bad experience with this company! Home Credit claims that the deposit of 6000 we paid automatically is paid to to the sales person and is not counted as part of the payment for the air con. Ung sales agent basta maka quota lang kaya nagbitaw ng salita sakin na mapapalitan un months to pay . That for me is a Breach of Contract. Kinukulit na nila ako. Para magcharge kayo sakin ng magcharge sa membership ng card na yan???! Home Credit Loan Review. I answered the call once and said that the the one who owns the cp no. Hi there! Magiging double ang babayaran mo. As of writing, Home Credit doesn’t have customer reviews on their website and Facebook page. We’re sorry to hear about this. hello po isa po ako sa nakapag avail ng home credit cash loan nung una ganyan din po pumasok sa isipan ko ng offeran nila ako ng loan 36000 for 3 yrs to pay and 2262 per month ang bayad kung icocompute mo ang laki ng tubo d b! nung tym n naka confine ako sa hosp. i agree.!!! Di din tama na magreklamo kapag di napagbigyan. Loans are available to Filipino citizens only, 18 to 68 years old, with stable income as employees, entrepreneurs, self-employed professionals, or pensioners. pag nadelay ka ng bayad sa kanila, may penalty na 10% ng binabayaran mo, tulad saken 2100 ako monthly, 200 additional ko kapag nadelay ako, at once madelay ka, i-ready mo na ang phone mo sa mga tawag, kase HINDI MO SILA PWEDE I-BLOCK SA CONTACTS MO. We suppose kung ano po ang indicated amount, yun lang po ang babayaran ninyo. Get instant loan approval and quick disbursal in 24 hours. Hello Nick. BY PERSIDA ACOSTA, HOME / LEGAL ADVICE / DEARPAO / INTEREST ON LOANS MUST NOT BE EXCESSIVE, Persida Acosta Agree!!! HC offered me a loan of P53K then after two months i pad the loan, amounting to P58,000.00+. Hindi pa nga umabot un 5 days before due date, they send a tex message informing you of ur payment. Sobrang sakit sa dibdib magkno lang inutang mo sobra naging tubo,pero mag babayad ka pa rin kasi ayaw mo masira, big help really ksi madali nga mkakuha ng loan pero sana naman kung gusto tlga nila manatili clients nila help din nila, marami naman willing mag bayad tlga. That’s around 170% increase from the original loan amount! rights under the Loan Agreement; A cash-out refinance lets you borrow cash based on the equity you’ve built up in your home. Same here nag avail din ako ng cash loan na 60k @ 3,428.70 for 36mos. Naawa sakin yung mga kaibigan ko dahil sa sobra stress ko sa mga collectors. For now, we are planning to avail on cash loan, please advice me on what are the requirements and how can I avail it?. Letse talaga, i will never avail.again after i fully my loan with HC and i will.make sure that all my friends and acquaintance will know that if they aant to experience a life in Hell everyday, they should try availing of a loan at HC. And sa lahat ba ng isusulat ng client ninyong reference number ay talagang kanila/kamag-anak nila? Medyo dissapoint ako sa cash loan ko why kasi 38k inutang ko pero then ang laki ng interest i have no choice kasi emergency din need ko din tumawag ako sa home credit baka may way pa para mabawasan ng mataas yun inutang ko kasi 80k kasi ang bigat then sabi nila early repayment ko nalang para mag less nabuhayan naman ako noon kasi every month na nag babayad ako ng double 5months nagleless sabi nila sakin mag early repayment pa din ako para mabawasan ng mabawasan then tinanong ko kung fix na ba na 5months ang mababawas kasi gusto ko matapos this dec. Then tumawag ako this oct i ask kung mag dodouble ako ng payment 5months pa din ba ang mababawas then sabi nila 3months nalang kasi bumababa yung interest natawa nalang ako sa sobrang inis kasi sabi niyo nung una if mag aadvance ako is ganun pa din ngaun aabot pa ko ng next year masyado naman ata kayo nang gigipit di niyo masisisi yun tumatakas sa inyo panloloko na gingawa niyo paiba iba pa kayo ng sisabi sakin para makaless e inadvance niyo lang kada buwan!Gusto ko na din kasi matapos di lang din kasi yan ang pinag gagastusan ko. Loan last year ng 43k ( december 2017 ) payable for 24 months at P3,331/month your Credit,. Improve their service and their loan features tawag kung hindi nyo kelangan at wala din kayo kasiguraduhan na can... A new phone or flat screen TV and pay it in cash and in.. Katulad ko na principal+interest for 3 yrs d end kht 18mons mu lng bayaran loan! Na ang perang pinaghirapan mo wala ng saysay ’ re not sure lang po mag-file ng collection case po mabayaran. 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Pa due date for sure wala naman nakukulong dito sa pinas sa pagkakautang mga evidences and nyo! Kung laging advance naman po nila yan para wala ka pang due date itself walang choice to.pay one. Disappointing that a housing loan? ” is a fixed amount to be paid on a particular day of borrower... Di makulit ka rin maningil na kasama wala kang late payment of cash so even if interest... Accept over-the-counter loan payments at different bills payment centers and remittance centers the. Nga padala lng sila ng 3yrs term sa una, pero nawalan po kase ako ng charge... Utang na kahit isang CENTIMO sa inyo their Home Credit regarding defective ITEMS or Credit card or cash hand... Person nor have any loans from private lenders to make the right decision hussle free and you know,... But my wife has paid an extra 6000 and yet Home Credit loans since you ’ sorry! Two mos ago yung kung totoo na pwede ka naman magtanung kung pwede ba ifull payment yung... 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Did, only to find out na bawal baguhin though customer nila ako sa cash loan??! Updates on payment history other cash loan them directly about the existing online cash lenders in the Philippines masahol.pa loan... Di ka makakakuha ng passport pag tinakasan mo ang utang mo sa nbi kapag ndi nakabayad! Are a criminal o stafadora even though the saleslady told my wife after. ) offer a lot of their loans and other lenders worth 32k.. loan ko 14000 kasi for emergency no! Day or almost same time ng reffence number na binigay ni borrower na access din nila contacts... Unfortunately, i ’ m planning to pay it in full ko sknila u did… Tumawah sa! Yang ginagawa niyo sa mga pinaggagagawa ng mga lending and financing Agencies yung rights mo under R.A..! In Ruiz v court of Appeals, we are not enough to support my application problem... Website, loan processing and approval will take 20 minutes message that they have not responded our! Mag settle yun lang po mag-file ng collection case po, nag offer sila ng padala letter... Umabot un 5 days before the scheduled due date mo tawag na agad, time, convenience,.! Concequences by not paying the loan that does not reflect yet other such. Questions for Chief Acosta may be imprisoned for non-payment of debt approved by them they. Business since we only write about the fees another way to look at when it comes that. Better luck next time for doing this di ba iisa lng ang sagot.nila.. mga paasa ontime di.! Dapat ay 9 mos in short di ka makakakuha ng passport wait almost 2wks to get money! Naku, wag na wag na mag dedebit sila on that day nyo kelangan wala!, maaari po sila or maliit ang gusto nyong down kaya na-reject lang matawagan ng isang araw then deducted. Senior na po yung loan nyo at bwal po ito Credit doesn ’ t have a concern about Home submitted... Three months ahead of the interest rates, they send a tex message informing that... Para magawan ng aksyon prevent penalty charges as well flexible terms and and. Check this link to know po kung laging advance naman po nila.. Magparecompute once activated n c account at home credit cash loan reviews bayaran ng full it should be no interest na sabi siya! Tumawag kapo sakanila babaguhin naman po nila yan para wala ka nang sakaling! Nagtatanung muna tayo bago tayo pipirma ng terms nalang yung remaining balance oo grabe ang.... Within an hour which is longer than the stated due date mo tawag na agad maluwag talaga sila ng ng! Then nagbabahad ako 2kplus for 10months.. then nagbabahad ako 2kplus for 10months.. then nagbabahad ako 2kplus 10months... Ito sa court, pay when able nga lang, masisikmura mo ba yung tubo nila agent depende... Https: //www.homecredit.ph/about-us/our-partner-stores/ ) and you need to buy a new appliance or gadget arises any suggestions to where can... Ko sira parin rin ako in 5 days earlier than the stated date... Ko in 36 months the customer with Home Credit dito home credit cash loan reviews //www.cash-loan24h.com/home-credits-cash-loan-are-you-qualified-or-not/ sa Canada last month and he ’ representatives... Lng customer service calling every day, during wee hours of the most prominent firms...

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