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  • REQUEST SUBMITTED

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    Date: 2023-11-08 13:59:44.537733

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  • REQUEST SUCCESSFUL

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    Date: 2024-01-19 12:44:09.934340

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Online lending

Requested from CIC by J. Catan at 01:59 PM on Nov 08, 2023.
Purpose: To file a complaint and to let the agency of government be aware of this kind of lending online.
Date of Coverage: 11/08/2023 - 11/08/2023
Tracking no: #CIC-952304474271

Catan 01:59 PM, Nov 08, 2023 

I hope the proper agency of governments are aware of what does this online lending doing to there client. Text blasting, harrassment, exposing and using the id of their client on social media some even received a death treat.  Specially pinoy peso, lemon loan, peso u bag, pesohere, peso loan, peso buffet, peramoo these are the most common lending that has a lot of complaints. I had have experience this with pinoy peso there collecter are ill-mannered.They will call you any thing like makapal muka, mamatay kana, ipapahiya kita ipost kita sa fb mo including your family.Hope this lending will end

Fulgueras 12:44 PM, Jan 19, 2024 

January 19, 2024

Dear Jonaliza Catan,

Greetings!

Thank you for your request dated Nov 08, 2023 01:59:44 PM under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch.

Your Request

You asked for Online lending.

Response to Request

The Credit Information Corporation (“CIC”) does not tolerate or condone illegal activities of any of its Submitting Entities. Further, please be informed that:

The CIC does not collect debt payments;
The CIC does not send payment notices in any form on behalf of any company;
The CIC does not issue a negative credit report nor blacklist ‘delinquent’ borrowers in its database;
The CIC does not resolve negative debt issues between the lender and borrower; 
The CIC does not ask any borrower directly for 
any information; and
The CIC does not provide any kinds of loan.

To report any illegal activities or unfair debt collection practices of any online lending applications or online lending platforms (“OLA/ OLP”), please refer to the CIC’s official social media card attached to this answer.

Your right to request a review

If you are dissatisfied with this response to your FOI request, you may ask us to carry out an internal review of the response by writing to our President and CEO, Ben Joshua Baltazar at cichelpdesk@creditinfo.gov.ph with the following subject head: [CIC - EFOI Request Review].

Your review request should explain why you are dissatisfied with this response, and should be made within 15 calendar days from the date when you received this letter. We will complete the review and notify you of the result within 30 calendar days from the date when we receive your review request.

If you are not satisfied with the result of the review, you then have the right to appeal to the Office of the President under Administrative Order No. 22 (s. 2011).

Thank you.

Respectfully,

Atty. Philip Gerald Fulgueras
FOI Receiving Officer

Attachments:
 Social Media Card.jpg

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