Greetings!

I'm writing this to inform you about a certain issue regarding in payments in cash loan, without even receiving my check with the amount of 35,000 pesos. I apply for the approval of my check since July 5, 2014, hence I had receive a text message that my check is on the way to its delivery, they also mentioned that I just have to wait for 10 working days, unfortunately until July 23, 2014, I did not receive my check and just a mean while I received my statement of account(SOA) for July 29, 2014 and the check had been concluded in my account. Moreover, my monthly installment is 3,122 pesos and this is for first month. This is the mistake of this bank. "As a costumer do I have to pay any bills in my account without even receiving any check" so of course not. Finally I need any response coming from RCBC bank regarding this serious issue that I'm facing right now, please do call me as soon as possible.

Sir/Madame:
I am a Bankard credit card holder way back 2003-2004. Now my case is with a certain law office here in our city. I called them up, today Feb. 26, 2013 at around 2:05pm-230pm. I was able to speak with thier representative I believed. I called them up in good faith, to talk w/ them on how I can pay my overdue account in a divided payments. I told the man over the phone that I can start paying this coming May15 to June 30 of this year. The agent told me that their client (Bankard) is giving me a discount amounted to P26,200.00 instead of P46,620.41 only until March. He said he can help me have my accounts divided in four payments but I have to start paying this coming March 2013. I humbly ask the representative over the phone if i can ask their office to adjust their due date and allow me to start paying April 15, 2013 instead of March 30. But he said, " ay wala na tayong pag uusapan dito ms ___". Ganon po ba talaga? Can't we meet halfway? And ganon po ba talaga ka rude yong mga representative ng mga law offices, mukhang mga walang pinagaralan. Feeling nila di cla ngkakautang kung maningil akala mo sila may ari nang bankard ayaw mg give way kahit nakiusap ka na nang maayos. Tatakutin ka pa na pakukulong! Bakit ako lng ba ang may utang sa bankard? Nakipag usap naman ako pero parang sa nakausap ko earlier, he left me no choice. Pwede ba ako sa main office makipag ugnayan re: my case?

I was also called by a certain attorney from a law firm that they were the ones handing collections, and demanded that I pay the whole amount of 24K in 24hrs. Is he for real?! or just woke up with a bad mode..Well, I am not that rich that carry that amount of money on a daily basis, and when i ask for some others way the attorney insisted me to pay or else I will be black listed. Is the bank really that desperate that they cant wait for me to pay. I know I am not able to pay on time immediately but should the attorney at least talk properly to clients from RCBC Credit cards. Do Attorneys now have a call center job? he even called me "iho" such an improper way of addressing clients. Good or Bad clients should be addressed sir. Attorney learn some lessons!

that's the same thing happened to me...I juz paid the minimum payment and a day after someone from their collections office called me and told me to pay the entire amount or else I'll be blacklisted...They don't want to have payment arrangement either and want me 2 juz pay the entire amount...Thanks for sharing...I won't pay them coz itz not sure f they will still activate my account... good thing i hav other credit cards:)