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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.
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vhoythoyMelbourne 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.
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@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
vhoythoyMelbourne 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
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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
mast3reeMelbourne Posts: 81Member Joined: Jun 19, 2014
try mo makipag-settle, mahirap ang may atraso. good luck sayo sir!!!
JCsantosSydney Posts: 1,416Member, Moderator Joined: Jan 11, 2011
call the bank .... and talk to them
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RuCheMelbourne 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.
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...
PogingNoypiMelbourne 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.
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fresvinogBrisbane Posts: 12Member Joined: Jan 12, 2016
Hi Mga Kababayan,
May nagpapautang ba na company sa mga expat dito sa Brisbane?
lauritoedwardBrisbane 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....
fresvinogBrisbane Posts: 12Member Joined: Jan 12, 2016
Magkano naman kaya ang aabutin na interest nito?
melanie_anneLos Angeles Posts: 25Member Joined: Feb 13, 2016
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Posts: 1,550Member, Moderator
Joined: Oct 31, 2012
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
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
Posts: 40Member
Joined: Jan 26, 2012
Thank you
Posts: 1,550Member, Moderator
Joined: Oct 31, 2012
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
Posts: 81Member
Joined: Jun 19, 2014
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2016/03/15-Arrived in Melbourne
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Google for Everything !!!
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Joined: Jun 25, 2013
Posts: 40Member
Joined: Jan 26, 2012
Posts: 238Member
Joined: Mar 01, 2012
Good luck.
March 5 - ACS submitted......
March 20 - ACS result.. Suitable (Analyst Programmer)
March 10 - IELTS Passed!
June 23 2012 - Sent my paper based application to Adelaide.
June 26, 2012 - DIAC received and sent a receipt.
August 9, 2012 - Received Medical and NBI Clearance Request.
August 10, 2012 - Had a Medical Exam on a Panel Doctor
August 13, 2012 - NBI Clearance application.
August 23, 2012 - Medical Results was submitted by the Panel Doctor.
September 2, 2012 - NBI clearance received by DIAC.
Visa Grant! - September 6, 2012!!!
...........
Posts: 12Member
Joined: Jan 12, 2016
May nagpapautang ba na company sa mga expat dito sa Brisbane?
Posts: 11Member
Joined: Jan 13, 2016
Posts: 12Member
Joined: Jan 12, 2016
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Joined: Feb 13, 2016
Posts: 25Member
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Posts: 11Member
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Joined: Feb 13, 2016
4% account keeping fee per month kung gaano katagal ung loan mo.