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[Jck-Frost]

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[🤖]

Good afternoon, Jck-Frost. I'm sorry to hear about the difficult situation you are facing with your loan provider. It is important to address harassment and unfair treatment in such cases. Here are some steps you can consider:

1. Document Everything: Keep records of all communication, including messages, calls, and any interactions that might be considered harassment.

2. Cease Communication: If you feel harassed or threatened, it is okay to stop communicating with the loan provider directly. You can seek legal advice on how to handle the situation moving forward.

3. Seek Legal Advice: Consult a lawyer or a legal aid organization to understand your rights and options. They can guide you on the best course of action to take in this situation.

4. File a Complaint: If you believe you are being harassed, you can file a complaint with the appropriate authorities. This could be with the police, the National Privacy Commission for cyber libel, or other relevant agencies.

5. Protect Your Privacy: If your personal information is being shared without your consent, you can take steps to protect your privacy and prevent further harassment.

Remember, it is important to prioritize your safety and well-being in such situations. Seek support from trusted friends, family, or organizations that can provide assistance. You have the right to address harassment and seek a resolution to this matter.

 

[rykard]

hindi ako abogado, pero sa pagkakaalam ko kapag nagpost ka sa social media regarding someone na hindi totoo matic cyber libel na yun.

pero dapat may ebidensya ka na pinost ka talaga na nagsasabi nang hindi totoo kontra sayo ah, kung pinost ka lang na hindi ka nagbabayad ng utang which is totoo naman, wala siya kaso dun.

 

[Xiene]

Cyber Libel

Yes, pwede kang magsampa ng kaso.
Ang pag-post ng larawan mo at pangalan mo sa social media na may layuning sirain ka ay maaaring pumasok sa Cyber Libel (under the Cybercrime Prevention Act of 2012, R.A. 10175).

Mas lalo kung may mga kasinungalingan o mapanirang pahayag kasama ang post.

Unjust Vexation / Harassment

Ang pangha-harass, pang-iinsulto, at lalo na ang pagdadamay sa yumaong kamag-anak mo ay maaaring pumasok sa Unjust Vexation (Article 287 of the Revised Penal Code).

Kung sobrang grabe at paulit-ulit, pwede ring pumasok sa Grave Coercion (Article 286).

Violation of Data Privacy Act (if applicable)

Kung naglabas siya ng personal information mo (address, contact, or family details) without your consent, lalo na sa social media, pwede rin itong pasok sa Data Privacy Act of 2012.

Emotional/psychological abuse (VAWC)

Kung babae ka at may romantic/close personal relation kayo (past or present), baka pumasok din ito sa VAWC (Violence Against Women and Their Children, R.A. 9262), particularly sa emotional/mental abuse.

 

[Soul Calibre]

Gusto kong malaman ang nilalaman ng kontrata nyo. If the contract states that the lender will be allowed to do all means to collect and you both signed and agreed to it, then wala kang laban. I did it once noong may mangugutang sa akin. I clearly indicated sa pinirmahan naming kontrata that I can do all means, including posting in social media, contacting relatives, contacting friends, visiting workplace, house visit... etc. If it's in the contract, wala kang magagawa.

Ang pwede mong i-counter ay yung percentage ng interest ng inutang mo. If you already ρáíd 13K within the span of 2 years, possible na sobra sa interest yan, which is not allowed sa batas ng Pilipinas. Regarless kung nakalagay sa contract nyo na ganitong amount ang babayaran mo, kung more than what is allowed by the law ang interest rate, hindi sya papaburan ng korte.

 

[Jck-Frost]

Gusto kong malaman ang nilalaman ng kontrata nyo. If the contract states that the lender will be allowed to do all means to collect and you both signed and agreed to it, then wala kang laban. I did it once noong may mangugutang sa akin. I clearly indicated sa pinirmahan naming kontrata that I can do all means, including posting in social media, contacting relatives, contacting friends, visiting workplace, house visit... etc. If it's in the contract, wala kang magagawa.

Ang pwede mong i-counter ay yung percentage ng interest ng inutang mo. If you already ρáíd 13K within the span of 2 years, possible na sobra sa interest yan, which is not allowed sa batas ng Pilipinas.

Regarding sa contract sir, it's just a typical contract, ito po nakapaloob sa contract sir:

Ako si _______ na nakatira sa _________ na nakautang ng halagang 6,000 na may tubong 1.2k kay ______, nangangakong mag babayad sa ikaw 15th ng buwan kasama tubo kapital 6,000 + 1,200 = 7200.

Ito lang yung laman sir. Wala pong any condition about including posting in social media, contacting relatives, contacting friends, visiting workplace, house visit... etc.

 

[Soul Calibre]

Regarding sa contract sir, it's just a typical contract, ito po nakapaloob sa contract sir:

Ako si _______ na nakatira sa _________ na nakautang ng halagang 6,000 na may tubong 1.2k kay ______, nangangakong mag babayad sa ikaw 15th ng buwan kasama tubo kapital 6,000 + 1,200 = 7200.

Ito lang yung laman sir.

Pero ang binabayaran mo ay 1.2K / month? Ihabla mo na yan. Sobra sa interest

 

[Jck-Frost]

Regarding sa contract sir, it's just a typical contract, ito po nakapaloob sa contract sir:

Ako si _______ na nakatira sa _________ na nakautang ng halagang 6,000 na may tubong 1.2k kay ______, nangangakong mag babayad sa ikaw 15th ng buwan kasama tubo kapital 6,000 + 1,200 = 7200.

Ito lang yung laman sir.

Pero ang binabayaran mo ay 1.2K / month? Ihabla mo na yan. Sobra sa interest

Yes po sir, monthly po yun, for almost 2 years, wala po kase ako capability na bayaran sya ng buo kasi magkano lang po yung kinikita ko, and yung purpose ng pag utang ko sa kanya dati noon is i pang down sa bahay na lilipatan.

 

[Soul Calibre]

Yes po sir, monthly po yun, for almost 2 years, wala po kase ako capability na bayaran sya ng buo kasi magkano lang po yung kinikita ko, and yung purpose ng pag utang ko sa kanya dati noon is i pang down sa bahay na lilipatan.

Yung original contract nyo is 6K + 1.2K. Dapat ni-revise yan noong nag-request ka yung interest lang mababayaran mo. And still, mataas pa rin. I-habla mo na yan

 

[Jck-Frost]

Yung original contract nyo is 6K + 1.2K. Dapat ni-revise yan noong nag-request ka yung interest lang mababayaran mo. And still, mataas pa rin. I-habla mo na yan

Salamat sir, ipapa blotter ko po sa police, nung nag punta kase ako sa brgy nung nag pa blotter ako, mukhang 1 sided eh, pupunta din po ako ng PAO para dito.

 

[Soul Calibre]

Salamat sir, ipapa blotter ko po sa police, nung nag punta kase ako sa brgy nung nag pa blotter ako, mukhang 1 sided eh, pupunta din po ako ng PAO para dito.

Oo, punta ka sa PAO para sila ang aasikaso.

 

[Jck-Frost]

Regarding sa contract sir, it's just a typical contract, ito po nakapaloob sa contract sir:

Ako si _______ na nakatira sa _________ na nakautang ng halagang 6,000 na may tubong 1.2k kay ______, nangangakong mag babayad sa ikaw 15th ng buwan kasama tubo kapital 6,000 + 1,200 = 7200.

Ito lang yung laman sir.

Oo, punta ka sa PAO para sila ang aasikaso.

Thank you sa advise sir!