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Old 12-12-2016, 03:48 AM   #1
piggybambino14
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Default Loan debt with doctor cash

I loan made a loan with doctor cash for 4k payable in 21 days last may 2016. They did not send me the contracts with terms and condition. I wasn't able to pay them on time last June so an agent kept on calling me to pay them immediately with late payment of 700+4840 including interest. I told them to give me more time to pay. The agent told me to pay the interest first and the late fees to extend it. So they extended for another 21 days. I called them before reaching 21 days that I still need more time and illvjust pay the interest to extend my deadline coz my childs pneumonia come and go and I am a single mom. I lost my job and forgot my loan due to I was the only one taking and bringing my child to the doctor. Then this Nov. 28 someone from collections agency was calling me but I wasn't able to answer since I was in the middle of interview. They texted me that I still have outstanding balance with doctor cash and that they take legal action against me. They did not update me how much I owe then even thru emails the past months. I emailed and texted them about it but no response.
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Old 12-12-2016, 03:59 PM   #2
AFFA
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Default Re: Loan debt with doctor cash

I wish to inform you that you may inform your doctor that you may not be held liable for interest or late fees as till date doctor have not provided you with terms of loan. You may argue that you can accept terms only when it is informed to you. Absence of sending any agreement may be argued as basis for refusing consent. As regards amount due you may first demand state of your account to determine amount due. You may thus inform debt collector and doctor that interest and other charges should be adjusted against amount due or only a reasonable interest may be charged.

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Old 12-13-2016, 07:13 AM   #3
LJJ
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Default Re: Loan debt with doctor cash

If nothing was ever signed they really will not be able to collect all that interest and maybe not even the principal.
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Old 05-23-2017, 07:12 PM   #4
ddjcg
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Default Re: Loan debt with doctor cash

i have a question, i had the same issue with piggybambino14, i made a loan with doctor cash but due to some financial circumstances i was not able to pay it, now someone from a law firm keeps calling me demanding me to pay because if i don't pay they will make a legal visit and asses my properties and theres a possibility that they will file a case of estafa, is it even covered of estafa since i did not issue any checks? will appreciate your response.
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Old 06-13-2017, 09:59 PM   #5
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Unhappy Re: Loan debt with doctor cash

I just want to share that one of my friend also encounter the same scenario, here is the exact text forwarded to him as of this morning:

"For your serious consideration and guidance, the written 'DEMAND for payment, SMS to your declared mobile number, private messages, field visits and all other means of communication made for the settlement of your due and demandable obligation to our client DOCTOR CASH, have been unjustifiably and maliciously ignored, hence, our said client has FINALLY DECIDED to possibly file in court the appropriate COMPLAINTS against you.
Should the foregoing be brought in the small claims court, there is a possibility that the presiding judge may issue a writ of preliminary attachment, without notice and delay, cause the COURT SHERIFF to preliminary, LEVY, ATTACH, or SEIZE your real and/or personal properties or GARNISH your salaries and/or bank deposits not to mention possible violation of the ff:
1) Civil case for sum of money
2). Derogatory record to NBI
3) Blacklisting with the Credit Management Association of the Philippines (CMAP)

We are strongly advising you to contact tel 02 370 7062 should you still wish to show your good intention."

please help us to understand this text message, my friend had a hypertension when he received this and we are worried about him. he's always been harassed by different collection agency and threatening him. In all honesty, he even called the Doctor Cash office and he was declined to settle it in installment basis, they want to pay it in full amount. According to him, he got a loan of 10k last 2016 and due to pay in 13k after 30days, but he lost his job and ask for assistance from doctor cash, nobody replied to him even in email and text messages. after few months, he started to receive different threat from the collection agencies. hope anyone can help my friend. thank you and God bless!

wynona
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Old 07-11-2017, 11:15 AM   #6
Curious_Gee
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Exclamation Re: Loan debt with doctor cash

I also received a text and email demand from Doctor Cash "agreement # 0019204, with a balance of Php 8,300.00 Despite our previous demands on your outstanding balance to our client Doctor Cash, you adamantly refuse to cooperate with us. In view of the foregoing, you are hereby given this FINAL DEMAND to pay in full your outstanding balance. Failure on your part to pay the aforesaid obligation within 24 hours shall constrain us to take the proper legal action to enforce the payment of your obligation. If we do not see any settlement within the given deadline, we will interpret your silence as an admission of your liability and we will proceed without further notice."

panay tawag nila kahit sinabihan ko na na wala pa ako pang bayad at willing naman ako na magbayad if ever may pera na ako kaso mapilit at hindi nakaka intindi. Now hindi ako sure pero nagpapakilala sila na taga isang Law Firm sila but when I checked the website of that Law Firm iba yung email address at phone numbers compared sa email address at phone numbers na nakalagay sa template ng email nila sa akin kaya nagdududa ako.
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Old 07-12-2017, 04:15 AM   #7
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Default Re: Loan debt with doctor cash

These lenders are all like leeches.
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Old 07-13-2017, 02:46 AM   #8
briana_17
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Default Re: Loan debt with doctor cash

hi i have the same issue with you guys.. what happen now with your loan? did you pay it allready?
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Old 07-13-2017, 02:47 AM   #9
briana_17
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Default Re: Loan debt with doctor cash

hi what happen now?
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Old 07-17-2017, 02:10 AM   #10
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Default Re: Loan debt with doctor cash

My friend also receive the same threat. Did anyone scenario came to court? Naiiyak na ung friend ko sa kaba. Thanks po sa sasagot.
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