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  • REQUEST SUBMITTED

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    Date: 2022-05-13 08:53:01.756263

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    Date: 2024-01-24 08:50:30.192842

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OLA Harassment and Invasion of Privacy

Requested from CIC by D. Ymasa at 08:53 AM on May 13, 2022.
Purpose: Investigate OLA, stop threatening and invading privacy
Date of Coverage: 04/01/2022 - 05/13/2022
Tracking no: #CIC-157606691847

Ymasa 08:53 AM, May 13, 2022 

I would like to request to further investigate these loan apps: Wellcash, Cash Go, Binhi, Wow Pera, and Madaloan. They threatened me, saying they would kill me or any of my family members. They even invaded my privacy by texting different people on my contact list and using harsh words and defamation. I'm sure I'm not the only one who gets threats like this. Many of us have filed a request with your good office, and we are hoping that you will act as soon as possible so that they will not be able to do the same to other borrowers. Thank you

Fulgueras 08:50 AM, Jan 24, 2024 

January 24, 2024

Dear Danica Ymasa,

Greetings!

Thank you for your request dated May 13, 2022 08:53:01 AM under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch.

Your Request

You asked for OLA Harassment and Invasion of Privacy.

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

Kindly provide feedback through this link: https://shorturl.at/egHRS.

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:
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