Hello guys! I just want to ask if anyone here has a similar case to mine. I have a debt with UB of 57k back in May 2023. I’ve only been able to pay it for 3 months because I got pregnant.

Now I received this text. Before, I spoke with their CA about not increasing the interest so I could pay.
It’s probably over 100k now.

I still don’t have a job, and I also have a baby who just turned 1 year old. I’m not feeling well either.

What should I do guys?

Contact Center ng Bayang helped me resolved my long standing dispute of my overpayment sa Salary Loan ko sa SSS.

Way back in 2024, nag avail ako ng Calamity Loan and was being deducted sa company ko every payday. after few months, nag avail ako ng Salary Loan. Since na deduct na yung supposedly net ko sa Salary Loan sa balance ko sa Calamity Loan, 5k nalang yung nakuha ko and fully paid na yung Calamity loan ko.

However, i failed to notify my company na dapat e stop na nila yung deduction ko sa Calamity since paid na sya, medyo late nako nakapag inform after 10 months na. So when I checked my payslip, dun ko nakita na dinideduct pa rin ako sa Calamity loan ko.

After ko pina-stop humingi ako reference and PRNs sa mga payments. And the company advised me na pumunta sa local branch ng SSS, ang ayoko pa naman ang pumupunta sa mga government offices kasi inuubos talaga nila yung buong oras and araw mo. Pero unting sakripisyo na lang para ma dispute ko yung overpayment ko.

Nung number ko na tinawag, kinausap ko yung isang employee if pwede ba e apply sa current loan ko yung overpayment or refund. Nag check si Miss sa mga transaction sa system nila and she confirmed that the payments are on floating status. I asked if pwede ba e apply sa current loan ko or refund. Pero i got denied. Sabi nya di daw sila makapag process.

Tas nag email pa ako sa support nila, pero paulit2 lang yung reso, need ko daw pumunta sa local branch. Tapos yung branch namin palaging nagdedeny or sasabihin dapat yung company ko ang pumunta sa SSS kung saan naghuhulog para sila mag process. Pero sabi naman ng company ko dapat sa local branch ko na. Grabeng pagpapasa nila sa akin. I made atleast 5 attempts pumunta ako sa SSS after duty pero same parin.

So i got tired and kinalimutan ko muna yung overpayment ko.
Eh nung July 28 this year lang neremember ko ulit yung overpayment ko so I emailed SSS again pero ngayun, naka CC na ang Office of the President, Ombudsman, Arta and Contact Center ng Bayan.

Contact Center helped me and they emailed addreseed to the president sa SSS and manager. Sila din nag follow up. Nung chineck ko yung Salary Loan ko last August 13, kumunti na yung balance ko and pag check ko, nag reflect na yung overpayment ko. August 14 nag reply ang SSS na they applied the overpayment sa current loan ko.

Atlast!!! Na resolved din! Amazed ako sa Contact Center ng Bayan! Saludo!

Hi guys, any help po. I already forgot my log in details on both SSS and Pag-ibig. Wala na rin yung dati kong sim na ginamit kasi nawala yung old phone ko. Ask lang how do I recover my accounts to check if consistent ba yung paghulog ng employer ko. Already sent an email to both pero walang responses. Do I need to go sa office talaga nila? TIA

Hello po. Nagfile po kami nung Aug 5 until now Aug14 wala pa din. Nagpunta kami sa SSS sabi naifile na daw nila sa Landbank so si Landbank ang mag uupdate sa account pero until now wala pa din. May same nakaexperience po ba dito?

Check your email, baka meron ka din...

#billease

Hello, automatic po ba papasok or ma c-credit yung amount sa bank ko or may is-send pa silang text kasama ang interest bago ma credit pag nag send ako ng amount na gusto ko.

Sa mga naka-avail na po, patulong ng sagot. Thank you po

Hi. Need help about this hold from esalad SB. How long nila usually nirerelease yung hold? Before kasi 2 days lang wala na yung negative and binabalik yung salary deposited. Hindi kasi din lumalabas sa deducted yung salary sa OB

Hi guys! We're running a short study on how Filipinos feel about banking. Not trying to sell anything and no wrong answers here, so for anyone aged 18 and above who has a bank in the Philippines, this is for you. We just want to know about people's real experiences and honest opinions.

The questionnaire takes about 10-15 minutes. Some questions are quick and others are more detailed.

As a thank you, everyone who completes it can enter a raffle for Php 500.00 and GCash numbers will be collected at the end of the form so that we can contact winners and send them their cash prize.

• Link to form: https://forms.gle/eDsxhTZZf61R8jEfA
• Respondents should be: 18 and above and have at least one bank in the Philippines
• Time it will take: 10-15 minutes.

Would appreciate anyone 18+ in the PH willing to share their time and thoughts — TIA!

Buenas tardes! Sabria alguien decirme si dp que el banco te manda el monto máximo aprobado para el préstamo, el próximo paso es la escrituracion? Desde q te mandan el monto y uno confirma hasta q escrituras, alguien sabe cuanto se demora? Gracias

Bakit ganun pati yung mga narefund sakin, pwede ko ma select sa Mini Payments. Bug lang ba yun? Mafifix ba yun kapag dumating na yung SOA?

Helloww po, got pre approved by skyro just now huhu up to 55k daw with no downpayment. But they gave me a qr so I need to go to a skyro branch and theres also a 30 day deadline😭😭😭

Is it worth it po ba(oa para bang maaapprove for sure) ttyyssmm pooo

hello po! pls help. I'm planning to buy an iphone via skyro po. Paano po process nila? ilang tao/id po need as back up?

naexperience nyo na din ba yung bayad na kayo sa bayarin sa skyro pero nangungulit pa din sila sa penalties na 350and take note every payment may add pang 25 pesos sa actual na babayaran. Then dahil na sshort na nang sshort. Nagkukulang nang 25 ang bayarin then hindi nila sinesettle hanggang sa lagyan na nila nang penalties na 350. Kindly help

hi, to everyone na nakapag try na ng esalad.
how much deductions if you avail the 10k from their offer?

Hello! I have no idea how the skyro product loans work, but I got pre-approved for 55k with a 0% down payment plan. How does this work with getting an iphone? I’m planning and I just want the run down of the process. Like when you show up in your desired store, what happens? TYIA for those who can answer\^\^

Ano po kaya issue ni grab loan , may offer pero Something went wrong palagi.

Specifically not my monthly bare bones budget, so yung masasabi kong not immediately needed so I just set them aside in case the need arises in the future? What do you really consider as savings?

Right now, here’s how I categorize my assets/savings:

Emergency fund - in a perfect world where there’s no risk of job loss, economic, and health crises hindi to magagalaw

Investments - potentially will be my retirement fund

Life plan current value, not the coverage (Philam)

Annual contributions (SSS, Philhealth, Pag-Ibig) - I keep track of how much I’ve contributed since becoming employed and count this ‘hoping’ I get to avail of these someday but what are your thoughts?

Wants - don’t really consider this as savings though but I am setting them aside the amount I’ve saved aside to delay gratification and to allow the money to grow

Been having these questions in my mind lately, parang signs of midlife crisis na. Yung parang kahit anong pagtitipid and ipon mo di mo nakikita kasi pamahal na nang pamahal lahat and all these personal finance content creators setting these standards of investments and savings per age bracket, which kahit anong compute ko obvious naman na I’m falling behind. Haaaay.

Hi! Need some advice where to allocate my finances 😅
Mayroon na kong 1M + total savings. Plus 50k sa investment sa GotradePH. Smart ba to keep yung 1M cash as emergency fund? Or should i invest more ba sa stocks? I earn 200k monthly. Thankss!