Ok. Let’s post something none make-up related today. This is going to be a long rant so beware.
Did this happen to you?
*your phone rings*
You: hello?
Caller: Hi this is Agent from Home Credit Philippines. I would like to ask if you’re in contact with Person?
You: yeah, we talk on FB. Who is this again?
Caller: I’m from Home Credit. I’m going to leave our number please tell Person to call us.
You: umm… Ok?
So. Your Friend who is only your Friend because you spent your childhood together apparently gave a credit company your name as “character reference” without even consulting you. Now, this company, Home Credit, calls you everyday – EVERY FUCKING DAY – to ask for said Friend’s number. EVERY FUCKING DAY.
You were shookt. Wait, did I use that word right?
So that literally happened to me. For several days now, these people from Home Credit Philippines – which I haven‘t heard of yet until now – were BUGGING me by calling me on irregular hours asking for Friend.
I don’t even know that nature of that company! What do they do? What are their services? No. Freaking. Idea.
Our common friend, M, apparently was also made a “character reference” without her knowledge and they called her today 15 times according to her.
FIFTEEN TIMES.
We don’t own Friend. We are not her mom. Stop calling us.
The worst thing about this was that according to one of the agents that I talked to, an investigation was needed so that they can take off my name from their list entirely.
WHAT. THE. ACTUAL. FUCK.
So let me get this straight:
– I was made a “character reference” of person without even consulting me, without my knowledge.
– Home Credit is incompetent and irresponsible enough NOT no verify said character references before transacting with Friend.
– Now, the “character reference” who have NOTHING TO DO with the transaction or even the company are the ones suffering after Friend refuses to deal with said company.
Tell me how that’s a legit, good, and competent business model. Who do such evil thing for money – cause inconvenience to people who very much would not like to be a part of the narrative (shout out to my girl Taylor)?
Now, if said people DEMAND to be excluded from this whole thing, there’s a condition? There’s a need for an investigation?
(I have signed as guarantor for a couple of times now and THAT’S HOW YOU DO IT MOFOS. CONSENT IS KING!)
What kind of fucking company is that?
Of course I let them know this.
For several days now I have talked to maybe half a dozen peope about this problem.
First I would like to apologize to the ladies I talked to – to Loyda, to the person who sounded like she cried, to the front desk in their main office who just hanged up the phone. I apologize because your company is evil. I know you guys are just doing your job but if you guys have the patience to deal with me – except for that front desk girl – you’re better off working for other companies who have regards to other people’s convenience.
So here’s their process. They made me email info@homecredit.ph stating why I needed to be excluded. That itself pissed me off already. I don’t owe you guys anything. To be taken off that list is MY RIGHT. Why do *I* have to me the effort?
But I still did that, but they wanted me to wait for 24 hours. In the mean time I still recieving calls in the morning.
I won’t have this bullshit.
So since then, hell broke loose. I demanded to be given the number of the management or the deletion department but they won’t give me the numbers. I called the head office (as opposed to customer support and collections) and asked to be connected to the number of management or any officer but the girl just hang up on me after I insisted she give me what I demanded.
In all the rejection of the contact numbers I requested, I just repeated my point: if you guys have the audacity to just call me anytime you want, I have the right to call and talk to your management anytime I want.
Again, I don’t owe them anything. They are giving ME an inconvenience.
After several calls, no one would give me the management’s number. There was this girl – I didnt catch her name – who was smart enough to connect me to her supervisor who personally looked into my issue. She called me back at the end of the day to tell me that I’m off the list (which I still doubt). That’s basically the farthest I’ve come.
Oh also, I also sent a message to their president. And I got a reply.
I have no problem with the people in Home Credit. Again, they were super patient with me. My problem is with the company itself. That was why I wanted to contact someone from the management or an officer to give them a piece of my mind on how awful their company is. And a customer support or collection agent and probably a supervisor will not do that.
So I searched for the company. At first Home Credit Philippines did not seem to be registered with SEC nor DTI. I figured they’re probably registered under a different name.
And they ARE registered under a different name (yes, they are SEC registered since… 2013 I think).
So I did my magic and was able to get hold of the contact details of their president.
And boy, did I rant.
Do you know that kind of rant letter that you’re doing more of because you want to get things out of your chest and less because you want to school the person you’re ranting to? That was my letter. It was super informal and partly ridiculous and funny because I was expecting it not to be read.
But the president replied. She apologized and said she would personally look into my concern.
Shookt!
If course I wanted it to be read. I just didnt really expect it. Does that make sense?
Well I have yet to decide if indeed this will have any effect on my demand to be taken off their list. If not, Ms. President will surely hear from me again. I’ll update you guys.
So there you go. If you find yourself in the same position as me, impose your right. Do no be bullied into submitting into inconvenience. Again, you don’t owe them anything. You deserve every apology in the world.
Also, let them know how awful their system is.
And for the record, said Friend, who now seizes to be my Friend, is really an unpleasant person. But that warrants for another story.
Same tayo, halos parehong storya, sa ngayon, paulit-ulit ako tinatawagan ng lintek na HOME KREDIT na yan…. iba’t ibang number pa gamit, paulit-ulit lang naman din sinasabi, porke ginawa akong reference without my knowledge nitong kasamahan ko pa naman sa trabaho, di ko na lang maconfront, dahil anak ng employer ko, alang-alang lang sa pakikisama. Ilang beses na din akong iniistorbo nitong HOME KREDIT na ito. Wala naman ako inutang o anumang pinirmahan, ne kinalaman sa inutang o kung anumang transaksyon nitong anak ng employer ko. Tinatananong ko, ayaw naman sabihin kung anu yun, BAD TRIP DIN talaga ang hudas na yan. Panira ng araw, at yung number kong ang hinihintay ko pa naman ay tawag o text ng mga client ko for my living, eto, inaaraw-araw akong buwisitin na akala mo, “feeling-close” at “nakaphonebook” sa phone ko.
MALUGI SANA WALANGHIYANG KUMPANYANG YAN, yun na lang.
diba nakakabwisit talaga sya?! tawagan mo lang rin sila tsaka i-email tsaka takutik at kung ano ano pang katarayan. Ngayon, hindi na nila ako tinatawagan eh.
Hi, I would like to know how the phone number of the president. I have the same problem, well I am the loan account holder. The problem is I paid my first due earlier than due date but it hasn’t been posted on their system until now. I sent an email, a copy of the receipt, they acknowledged the receipt but then I am not sure what’s going on. It hasn’t been posted and they keep on harassing me. Calling, texting emailing many times a day. I am thinking of just paying it but what if all my payments will never be posted and the way I am treated is unacceptable. I am thinking of filing suit against them, harassment. I have payment receipts which I can use for evidence. But first I want to talk to whoever is the highest authority before I go deeper. I hope you can help. Thanks, Jen
buwist na yan, ganyan din problema ko, ni hindi ko kilala kung sino yung hinahanap ng mga lintek na yan, tawag ng tawag. hindi ko naman mapalitan yung number ko kasi matagal ko na yon gamit. kuuuuh… >_<
I am having the same problem with this bullshit home credit philippines! I intend to file complaint against them before the SEC, DOF, the Department of Public Complaint in Malacanang and maybe thru the BIR to see if they are paying correct taxes to our government? Those people who call me up every now and then are devils to me! Even sundays or holidays they will call me. It is as if their business culture allows them to be so arrogant just so they can secure payment. I borrowed small amount only and NOT millions so they don’t have the right to control and put you in bad situation. I missed just 1 or 2 days to meet the deadline and here comes the bugging calls to any one of my kins even though their contact numbers aren’t included in my forms with hcp. Any one who knows where the home office of the hcp? Their office? Is hcp part of SM Group of Companies of the Sy Clan? Please help me. Thanks
Whoa. If they’re calling your family na wala sa form mo, perhaps may na-violate sa privacy law?
Sam here! Nahihiya na nga ako sa friends ko. Hindi ako nakapagbayad 2mos already and wala pa kasing work. Hindi ko na alam gagawin ko. Tapos anglaki pa ng interest nila. I regret applying to their cash loan, huli na ng nalaman kong hindi pala maganda serbisyo nila. Now im stressed! Srsly! Sana maaksyunan to.
Hi, I’ve been having the same problem since November last year. I was just a reference person, without my consent, and worse, the person who borrowed from them claims that she had settled her loan since December last year. I don’t think traumatized is the most appropriate word but now I have fears answering calls made by unregistered numbers in my phone. May I please know what email address should I contact to address the problem?
Paano ba ang gagawin para maalis ang name ko jan? 10-15times tumatawag sila sa akin. Wala naman akong utang sa kanila. Nkakabwisit na talaga. Anong contact no ang kelangan kong tawagan or iemail. Character ref rin siguro ako, but without my consent. Sobrang abala na tlaga.
Hi! My problem is a bit different. A complete stranger gave our home phone number to these pests at Home Credit as his own (I still don’t know if it was intentional). Anyway, these pesky agents kept on calling even after I told them that they got the wrong number – even going as far as calling six (6!) times in just a span of ten minutes asking me to produce that person (as if I can).
I filed a complaint at NTC, BSP, and any other government agency that I can think of. Can you still remember their SEC registered Company Name and Number? It might come in handy with all the complaints I’m thinking of filing.
Thank you very much for your time. 🙂
If I’m not mistaken, it’s HC Consumer Finance Philippines Inc
fake bogus probably a scam dont waste your time
Ako delay lang ng 2days sa payment, everyday na tumatawag ang mga agent. Humihingi ako ng 10days na palugit, ayaw nila pumayag, tapos iistorbohin ka kahit 8am pa lang tatawag na. Gusto ko na mag file ng complain, kasi sobrang stress na binibigay nila, buntis pa namn ako.
Pesky Home Credit!! Sa case ko, alam ko namang ginawa akong character reference ng ate ko, but the thing is, I AM NOT MY SISTER’s KEEPER! Nakakainis, ilang beses ko na silang sinasabihan na hindi kami magkasama sa iisang bahay, nabigay ko na updated number ng ate ko, naforward ko na din yung number nila. Everyday for several times, walang mintis for these past few days, kung tumawag eh iba iba pa yung numbers, same questions lang naman tinatanong. Ini.ignore ko nalang minsan. Nakakaistorbo na sila. Next time, pag tatawag uli sila, magrarant na talaga ako sa operator! Uuugh!
Sorry, naki.rant nalang din ako sa blog mo. 🙂
same with my situation. ginawa daw ako referal .sobra abala na gngawa nila..ktwiran nila cmputer generated system daw ..at may rghts daw sila tmawag 6am to 10pm..holy fuck shit! mga tga home credit phils sa inyo kya gawin yan..ang dami oras ko nasasayang sa gngawa nyo hndi maintndihan ..hndi ko alam san at panu file complaint sa mga zombies na ito.
They keep calling me! I got this new sim card from globe last year and they kept calling me if I know who is Rachel Rule. And i keep telling them to stop calling me because I don’t even know here. And all of the home credit callers are fucking rude. And i want to stop this endless annoying callers.
Ganyan din case namin ,sobrang mangharas sila, nanakot pa! Samantalang nadelay ka LNG naman, kakabayad mo LNG kahit pno makabawas sa payment mo, may penalty agad.. Imbes na matapos ka patung LNG BG patung! Tapos walang tigil sa pagtawag!!! Sana kung sino naman po sa into na kaya, ireport yang pnghahareast nila walang katarungan ng paniningil.. Magawan sila ng action para.. Sa ganu umayus ung sistema nila.. Tnx
I will check for constitutional law about this. I had my lawyer friend to check on this one
I am an account loan owner in home credit. I always make sure that i pay my loan every month on time. At first, i thought it would only be once -a confirmation purpose maybe. But it became so annoying when they are kept on calling me each month to ask if i could settle my bill for the month. I wasn’t been late paying my monthly bill. I even asked them not to call me. I had a lawyer checked for any comstitutional right that i could file against home credit. I hope there would be some TCPA law in the philippines for such. It is the same with UNITED STATES. but will check for it.
magsara na sana kau
dapat makasohan din tong homecredit na to di maayos na business wala sa ayos
Hi! Do you know where I can file a complaint against Home Credit? Nagsspotting ako last month, and begged them not to call me and explain the situation. They didn’t listen and contacted me the whole day. This caused stress on my part, and ang result is heavy bleeding hanggang sa nagmiscarriage ako and nahospital. Nagreklamo ako sa customer service nila, and ang feedback is walang mali sa part ng collection department. Can someone please help me.
hi im experiencing din the same problem i make inquiry sa isang agent to settle my balance then pabalang nya ko sinagot at sobrang bastos ng approach nya sakin i want to complain the person ayaw ko palampasin mga pinagsasabi niya sakin ,can i get the number of the president
Hello everyone I also have the same experience with them, would anyone know anong steps pwedeng gawin ng isang loan owner pra at least ma alleviate ang pang haharass nila? Thank you..
as i read thru this messages now i know ndi pla ako nag iisa in preparing a complaints againts this company…..i never once na nalate s payment for the loan i had borrowed sa knila in almost 2 years onl this past 2 months na nagka financial crisis kming family na nadelay ng halos 5 days un mga payment ko but still i managed to settle the said accounts……im requesting their collection department to move my due date na mas more convenient sa kin since nakalagay sa website nila na pwede itong irequest….pero i must say HOME CREDIT LACK OF CONSIDERATION sa mga client nila……my father na kakalabas lng sa hospital a few months ago pinepeste nila kakatawag na wla nman kinalaman sa account ko even my husband….and their purpose is just to humiliate the account holder so pathetic strategy!!!!! nsan un confidentiality na dpat provided nila sa mga clients nila!!!!!
Hi, I emailed you today to ask for the President’s contact info. I hope you’ll read it. Thanks 🙂
Good day ma’am Charm! Can we ask for their president’s contact info. They were harassing us 6 mos already for the delayed payment caused by 7/11 easy pay. Hoping you might help me. Thank you
Hingi po ako advices, nsa MBA CONSULTING PHIL na daw account ko s home credit which is d ako nkkbayad dhil sapat lng sa budget. Sinasabi nla mgbbyad dw ako ng 35k for atty. Fee ku g dko dw masesettle ung 4k na balanse ko. Ang tnung ko lng po is. Bkit sakin pbbyaran ung atty.fees? Salamat
Nabubuset na din aku sa mga yan. Araw araw nlng natawag kahit paulit ulit ku na sinasabi na next month ku na bayaran ksama ung panibago at ung charges pero natawag prin. Akala ku milyones utang ku. D cla nkakaintindi. Tpus maggicng nlng aku sa umaga kc mas maaga pa cla sa alarm ku clock ku. Grabe mga wlang hiya. Nahaharass at na stress na ku dito.
Home Credit Harassment!
In May of 2017, we decided to buy a Panasonic window air conditioner from Home Credit Appliances. I wanted to pay cash but my wife wanted us to make the purchase using Home Credit Interest Free scheme. I eventually agreed. Now 18 months later Home Credit is still using various tactics and several different cell phone numbers to send my wife text messages and calls trying to get her to pay more money after fully paying for the air con. The full payment for the air con was completed three months ahead of the expiration of the interest free period. To Date my wife has paid an extra 6000 and yet Home credit is still harassing her for more money.
I am a foreigner and still live mostly overseas but I come to Philippines about every two months. I have personally replied to Home Credit telling them that I am the one paying for the air con and I will not agree to Helen wasting not one more peso to satisfy Home credit unreasonably demands. I have asked them to take us to court. For a few days there were no more messages and calls from them but as of today the calls and text are coming again. I am determined for them to take her to court, but so far they have not responded to our request. I will get the best attorney to defend us, plus we will take legal action against them to reimbursed the 6,000 pesos over payment and also sue for harassment during the past 12 months plus.
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. Even though the saleslady told my wife the after paying the 6k deposit the remaining balance was 16k.
If this is a practice home Credit uses (Paying customers deposits to sales people then Home Credit should be exposed. Surely this cannot be legal?
Hi! Hindi na rin ako nakapag bayad sa loan ko sa home credit ngayon bale mag tu-two months na po kase nawalan ako ng trabaho bigla. Wala naman sana akong balak takasan yung kung ano pang kulang ko sa kanila pero tinatakot nila ako na magdadala sila ng baranggay sa bahay namin para singilin ako. Tama ba yun? Hindi ko alam kung anong gagawin ko kase wala pa talaga akong maibibigay sa kanila ngayon. Grabe, katakot takot na kahihiyan ang gagawin nila sakin. Ano po bang pwedeng gawin. Need help please. Thank you.
totoo po b pumunta sila sa baranggay? tinatakot din po kasi ako
what happen? natuloy pagpunta nila?
Can i complain mr. Randy valera na taga home credit daw ipapabrgy daw nya po ako today
totoo po b pumunta sila sa baranggay? tinatakot din po kasi nila ako
Hi good morning nakapagbayad n po ako ng last payment ko nung nov 23 2018 acct nos 3800456798 ref number ay 183271980784 at 950php nabayad ko sa last payment ko sa 7/11 convenience store bakit sinicingil p dn ako nila. Josejoelbiojon po ito may 19 1965 birthdate ko. Magrreklamo ako
Kay president Duterte nito kung kinakailangan. Bakit ganyan ang home credit nastress ako sa kaiisip. Pls advice. Ano b yangsystem natin. Sira bakit? Pakitract naman. At tila namisspost yata
Pakikita ko po ung resibo sa last payment ko. Josejoel biojon po ito.
Wala na akong utang sa home credit binayaran ko na ang last payment ko nung nov 23 3018 acct number 3800456798 950php binayad ko sa 7/11 convenience store majgrereklamo ako jay presidente duterte nito kung kinakailangan. Nastress at nahaharassed nako.
Isa din po ako sa gusto nilang kasuhan. Aminado naman ako na nahinto talaga ako sa payment dahil distressed ofw po ko. Wala akong trabaho pa at nagsasideline lang ako. Pero gusto nila punta ng barangay at kausapin dw ako tapos tignan nil ang properties ko para may laban dw si homecredit, o may makuha sila kapag di ako nakabayad. Tapos saka nila iaapela sa city hall. Ano gagawin ko kung diko nga agad mabayaran kahit naman ano gawin ko diko un mbbyaran dahil mas malaki pa ang penalty sa principal amount. Lahat ng reference tinatawagan nila.
same po tayo ng case… ano na nangyari sa case mo tinutoo ba nla yung ipa brgy.natatakot din kasi ako eii.
Possible ba natin sila sampahan ng complaint regarding harassment? Tinawagan din nila ako one day noon 30 missed calls. Tapos ang aga pa! Kagising ko yun ang bumungad na notif sa phone ko!
Hi I’d like to aks for the President’s email address so I can write him/her about it as well?
hi, pa-help po. gusto ko kasi mag-file ng complaint. i have a cash loan with them but i NEVER made late payment. lately, i kept receiving calls from them every day asking me to take advantage of another cash loan even though i’m not even halfway through my existing loan and i almost begged the last agent i spoke with yesterday to remove that offer so i won’t receive another call in regards to that. the agent told me she will but today i received missed calls again from unknown numbers and my former boss just messaged me that Home Credit called him twice today. nanginig talaga ako sa galit dahil ayoko sa lahat ay nakakaistorbo ng ibang tao. akala ko kasi sa application lang nila gagamitin yung character references eh. so please send me contact information for my complaint to be addressed immediately. thank you!
Hi, can I get help for the President email add. Im gonna file a complaint too. Thank you
Same case din po sakin
totoo po b nagpapabaranggay sila? thanks po
same experiences! but In my case I am the creditor.
nag loan ako ng cash sa home credit and sobra akong nagsisisi nung macompute ko kung ganu kalaki ang interes nila. its more than 100%!!! and madelay kalang ng ilang days sa pagbayad mo di ka na nila lulubayan sa kakatawag and the worst part is pati yung mga reference person na linagay mo tatawagan nila ng tatawagan which is so humiliating ! di naman sila tatakbuhan ee.. kahit kasi sabihin mo na namadedelay ka, after few hours meron nanamang tatawag sayo at sa reference personnels mo!
now, I review my contract and found out na pwede mag partial early repayment.
can somebody please explain how partial and full early repayment works? please! I wanted to finish this loan with home credit as early as possible.
diko na matetake hintayin matapos ang 3 years sa ganitong sitwasyon, 5 months palang ngayon umpisa nung nag loan ako and AYOKO na!
please help.
explain po how partial early repayment works.
para nadin po makasave ako. (hoping na mawawala ang interes pag nag early repayment ako.)
imagine!
Installment amount: Service Fee: Principal INTERES:
3,142.85 125.00 522.85 2,495.00
how did they computed the promised 4% interes jan???!!!
2, 495.00 interes monthly!!!!
bale ang total ko,
principal loan: 50,000 INTERES: 58,642.60 + MONTHLY SERVICE FEE!!!
YUNG AKALA MO MATUTULUNGAN KA NILA.. LINILUGMOK KA LANG LALO!
Hi, can I get help for the President email add. Im gonna file a complaint too. Thank you
WALA PO NAKUKULONG SA UTANG..BUT PWEDE NILA KUHAIN YUNG NILOAN MO SA KANILA…NAKAKASTRESS MGA YAN…KAYA DAPAT LANG HINDI TALAGA BAYARAN MGA YAN…
Same sentiments. Nagloan ako from them. yung mga officemates ko from my previous company na hindi naman sana nkalista as references , eh tinatawagan po nila. nahihiya na po ako.
tapos ngayon yung mga sister ko palagi nila sinisendan ng text na from Law office kunu. Eh hindi naman ako nkakatanggapng email from them or commu from them.
what should I ? totoo po ba yung mga text about Law office amd that ipapasa daw nila sa Nbi to kasi mgfafile daw sila ng kaso?
My side of the story is di din ako nakabayad coz of financial issues na talaga and i am fed up kakatawag or kakamessage nila using different numbers. Ang masaklap ay tinawagan parents ko, kapatid at anak ko. Who knows kung sino pa tinawagan nila. Papupuntahan na ako sa field collector nila.
Kakastress from 6am till before mag 10pm sila tatawag ng tatawag.
This company charge huge penalty for delayed payments, very aggressive in their collection approach to a point that you get stressed out. My advice find another way to get a loan, but not with Home Credit company, you will regret it later.