Requested from SEC by M. De Leon at 07:57 AM on
Jan 31, 2024.
Purpose: Investigation regarding manner of debt collection
Date of Coverage: 01/30/2024 - 01/31/2024
Tracking no: #SEC-639468309214
De Leon 07:58 AM, Jan 31, 2024
Good day. I would like to request your good office to look into this online lending app named PhPocket who is sending my reference person texts of death threats, threaths of public shaming, threats of involving family and usage of profanities. I would like to particularly report this mobile number:
09858912123
I attempted sending this company an email to inform delay in payment but said mail cannot be delivered as email address is invalid, contact numbers neither working. Their agents would call or use different numbers, which I dont entertain as my ID caller labels these numbers scammers.
Gonzales 08:55 AM, Jan 31, 2024
January 30, 2024
Dear Maricris,
Thank you for your request dated Jan 31, 2024 under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch, for Investigation about unfair debt collection.
We received your request on Jan 31, 2024 and will respond on or before Feb 21, 2024 07:57:59 AM, in accordance with the Executive Order's implementing rules and regulations.
Should you have any questions regarding your request, kindly contact me using the reply function on the eFOI portal at https://www.foi.gov.ph/requests/aglzfmVmb2ktcGhyHQsSB0NvbnRlbnQiEFNFQy02Mzk0NjgzMDkyMTQM, for request with ticket number #SEC-639468309214.
Thank you.
Respectfully,
Isma Gonzales
FOI Officer
Quimio 10:45 AM, Jan 31, 2024
January 31, 2024
Dear Maricris De Leon,
Greetings!
Thank you for your request dated Jan 31, 2024 07:57:59 AM under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch.
Your Request
You asked for Investigation about unfair debt collection.
Response to Request
To find out more about the specifics of your complaint, you may file a formal complaint with us by following the instructions below:
1. To File a Formal Complaint Against a Lending or Financing Company
Kindly follow this link: http://www.sec.gov.ph/lending-companies-and-financing-companies/complaints/.
Please read and follow the instructions carefully to avoid the outright dismissal of your complaint.
In sending the complaint form to flcd_complaints@sec.gov.ph via e-mail, kindly use the following format in the subject head of the e-mail: COMPLETE NAME _RESPONDENT COMPANY _ SUBJECT OF COMPLAINT (ex: JUAN DELA CRUZ_ABC LENDING_DISCLOSURE STATEMENT VIOLATION).
2. To verify Lending Companies, Financing Companies and Online Lending Platforms
For a list of registered lending and financing companies, follow these links:
a. Registered Lending Companies
https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-lending-companies-2/
b. Registered Financing Companies
http://www.sec.gov.ph/lending-companies-and-financing-companies/list-of-financing-companies/
For a list of recorded online lending platforms of lending and financing companies, please refer to this link:
https://www.sec.gov.ph/lending-companies-and-financing-companies-2/list-of-recorded-online-lending-platforms/
3. For more information on Lending and Financing Companies
For more information, refer to this link: http://www.sec.gov.ph/lending-companies-and-financing-companies/complaints/
As to your issues on data privacy violation or violations of R.A. 10173, or the Data Privacy Act of 2012, please contact:
Atty. Michael R. Santos
Chief, Complaints and Investigation Division
National Privacy Commission
Address: 5th Floor Delegation Building, PICC Complex, Roxas Boulevard
E-mail: complaints@privacy.gov.ph; hearings@privacy.gov.ph
Landline: 02-8-2342228 loc 114 or 115
Mobile Number: 0905-5061478 (Globe); 0970-8180555 (Smart)
Pinagiingat ang publiko sa mga nagpapangap na registered Lending o Financing Company na nag-aalok magpautang pero manghihingi muna ng deposito (advance fee) sa borrower.
Pagkatapos makakuha ang “advance fee“ galing sa borrower, ay ibo-block o tatakbuhan na sila ng mga nagpapangap na Lending at Financing Company.
Madalas ang panloloko ay nagaganap sa “Telegram” at iba pang social media platform.
Ang biktima ay isasali sa isang group chat (GC) kasama ang mga nagpapangap na borrowers na nakatanggap ng loan sa tulong ng pekeng Lending o Financing company. Madalas, ang mga makakausap sa GC ay hindi Pilipino o tunog banyaga magsalita.
Ipinapaalala namin na ang mga lehitimong lending o financing company ay hindi humihingi ng deposito, processing fee or advance fees mula sa mga borrowers bago magpautang.
Pinapayuhan ang publiko na maging mapanuri, mapagmatyag at umiwas sa mga ganitong klaseng modus operandi.
Huwag umutang o makipag- transaction sa mga ganitong kumpanya.
Thank you for your time and effort in assisting the Commission in our mandate to regulate and supervise lending and financing companies.
Your right to request a review
If you are unhappy with this response to your FOI request, you may ask us to carry out an internal review of the response by writing to the Commission Secretary at comsec@sec.gov.ph. 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 tell you the result within 30 calendar days from the date when we receive your review request.
Thank you.
Sincerely yours,
Atty. Kenneth Joy A. Quimio
Asst. Director
Financing and Lending Division
SEC
Attachments:
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