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UTANG SA BANGKO

Santiago_Vargas_24Santiago_Vargas_24 MelbournePosts: 40Member
edited January 2015 in General
I lost my job three months ago. I have debt in Westpac about 5000 AUD through credit card. I have no job, no money. I will be back to Philippines in four weeks. I was a 457 visa. What should I do?
Thank you.

Comments

  • vhoythoyvhoythoy Melbourne
    Posts: 1,550Member, Moderator
    Joined: Oct 31, 2012
    edited January 2015
    I lost my job three months ago. I have debt in Westpac about 5000 AUD through credit card. I have no job, no money. I will be back to Philippines in four weeks. I was a 457 visa. What should I do?
    Thank you.
    The best thing is kausapin mo ung authorised representative ng bangko tell them your situations. baka pwede makiusap na bayaran mo utang mo ng hulugan nalang, kahit nasa pinas ka na.

    The other way is up to you. Pero i am sure your profile will be submitted to credit agency/ firms and you will have a bad credit records. Maybe they can also file claims in small tribunal/ court counterpart in australia if meron in worst case scenario.

    ANZSCO 221214 - Internal Auditor
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  • Santiago_Vargas_24Santiago_Vargas_24 Melbourne
    Posts: 40Member
    Joined: Jan 26, 2012
    @vhoythoy Salamat, thank you. I have no sure job in the Philippines. What I am thinking is my super. Is that alright, what do you think? I should get my super and pay it to the bank. Is that possible sir?
    Thank you
  • vhoythoyvhoythoy Melbourne
    Posts: 1,550Member, Moderator
    Joined: Oct 31, 2012
    edited January 2015
    Not sure about Super maybe others might help. Pwede cguro bayaran mo muna minimum payment every month. Dito sa SG since 2011 naka max na ung credit card/ credit line ko mga ganyan din amount katulad sau, then nagbabayad nalang ako mininum payment monthly. Ngaun zero balance na. Hanap ka muna work sa ibang bansa like middle east, singapore, etc. Mahirap may records lalo kung balak mo bumalik sa oz for good

    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

  • mast3reemast3ree Melbourne
    Posts: 81Member
    Joined: Jun 19, 2014
    try mo makipag-settle, mahirap ang may atraso. good luck sayo sir!!!

    2014/06/22-CDR & IELTS Prep | 2014/08/02-IELTS Exam 08/15-0 pts | 2014/12/13-IELTS Exam 12/29-10pts | 2015/01/07-CDR Submit | 04/30-EA Result (233513-Positive) | 2015/04/30-Submit EOI | 05/08-Invite | 2015/05/09-Visa ELodge | 2015/05/15-Singapore COC (05/21 release) | 2015/06/04-Medical | 2015/06/24-NBI Clearance | 2015/06/29-CO Allocated | 2015/07/08-Visa Granted!!!
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  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    call the bank .... and talk to them

    Google for Everything !!!

  • RuCheRuChe Melbourne
    Posts: 100Member
    Joined: Jun 25, 2013
    Agree. Ask the bank for installment payment options. I'm sure they will be willing to help. You could also ask your relatives if you could borrow money from them to pay for your cc.
  • Santiago_Vargas_24Santiago_Vargas_24 Melbourne
    Posts: 40Member
    Joined: Jan 26, 2012
    ganoon na nga ang mangyayari, makikipag areglo nalang ako sa kanila...sana pumayag na babaan oo tangalin ang interest o kaya habaan ang taon ng pagbayad...
  • PogingNoypiPogingNoypi Melbourne
    Posts: 238Member
    Joined: Mar 01, 2012
    ganoon na nga ang mangyayari, makikipag areglo nalang ako sa kanila...sana pumayag na babaan oo tangalin ang interest o kaya habaan ang taon ng pagbayad...
    Hi. My wife works at an Australian bank. They can negotiate the terms and interest. Just tell them your situation and they will help you out.
    Good luck.

    March 5 - ACS submitted......
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    ...........

  • fresvinogfresvinog Brisbane
    Posts: 12Member
    Joined: Jan 12, 2016
    Hi Mga Kababayan,

    May nagpapautang ba na company sa mga expat dito sa Brisbane?
  • lauritoedwardlauritoedward Brisbane
    Posts: 11Member
    Joined: Jan 13, 2016
    Hindi ko lang sigurado kung magpapautang sila kapag expat ka.. nabasa ko rin sa kabila mong thread yung pag ask mo sa payday loan... Actually pwede ka mangutang sa mga kaibaigang mung australian tapos pautangin mo sila sa mga payday loans yung parang ganto https://www.swooshfinance.com.au/ tapos sabihin mo sa kanila ka na lang magbabayad..... Panigurado naman may mga kaibigan ka na jan..... Yung example ko sakto yan sa location mo.. sa brisbane din yan.... Ingat kabayan....
  • fresvinogfresvinog Brisbane
    Posts: 12Member
    Joined: Jan 12, 2016
    Magkano naman kaya ang aabutin na interest nito?
  • melanie_annemelanie_anne Los Angeles
    Posts: 25Member
    Joined: Feb 13, 2016
    @fresvinog
    Hi Mga Kababayan,

    May nagpapautang ba na company sa mga expat dito sa Brisbane?
    Australian citizen kana ba?
  • melanie_annemelanie_anne Los Angeles
    Posts: 25Member
    Joined: Feb 13, 2016
    @fresvinog Di ako sure. Ang alam ko lang yung charges. Kasi nagapply na ako dati.
  • lauritoedwardlauritoedward Brisbane
    Posts: 11Member
    Joined: Jan 13, 2016
    @melanie_anne ano ano ba yung charges ng swoosh finance?
  • melanie_annemelanie_anne Los Angeles
    Posts: 25Member
    Joined: Feb 13, 2016
    Ang alam ko eh eto lang 20% establishment fee depende sa hiniram mo tapos
    4% account keeping fee per month kung gaano katagal ung loan mo.
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