UTANG SA BANGKO

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• vhoythoy Melbourne
  Posts: 1,550Member, Moderator
  Joined: Oct 31, 2012

  January 2015 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_24 Melbourne
  Posts: 40Member
  Joined: Jan 26, 2012

  January 2015

  @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
• vhoythoy Melbourne
  Posts: 1,550Member, Moderator
  Joined: Oct 31, 2012

  January 2015 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
• mast3ree Melbourne
  Posts: 81Member
  Joined: Jun 19, 2014

  January 2015

  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!!!
  2016/03/15-Arrived in Melbourne
  2016/04/01-Started Working... (Thank God!)
• JCsantos Sydney
  Posts: 1,416Member, Moderator
  Joined: Jan 11, 2011

  January 2015

  call the bank .... and talk to them

  Google for Everything !!!
• RuChe Melbourne
  Posts: 100Member
  Joined: Jun 25, 2013

  January 2015

  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_24 Melbourne
  Posts: 40Member
  Joined: Jan 26, 2012

  January 2015

  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...
• PogingNoypi Melbourne
  Posts: 238Member
  Joined: Mar 01, 2012

  January 2015

  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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  September 2, 2012 - NBI clearance received by DIAC.
  Visa Grant! - September 6, 2012!!!
  ...........
• fresvinog Brisbane
  Posts: 12Member
  Joined: Jan 12, 2016

  February 2016

  Hi Mga Kababayan,
  
  May nagpapautang ba na company sa mga expat dito sa Brisbane?
• lauritoedward Brisbane
  Posts: 11Member
  Joined: Jan 13, 2016

  February 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....
• fresvinog Brisbane
  Posts: 12Member
  Joined: Jan 12, 2016

  February 2016

  Magkano naman kaya ang aabutin na interest nito?
• melanie_anne Los Angeles
  Posts: 25Member
  Joined: Feb 13, 2016

  February 2016

  @fresvinog

  Hi Mga Kababayan,
  
  May nagpapautang ba na company sa mga expat dito sa Brisbane?

  Australian citizen kana ba?
• melanie_anne Los Angeles
  Posts: 25Member
  Joined: Feb 13, 2016

  February 2016

  @fresvinog Di ako sure. Ang alam ko lang yung charges. Kasi nagapply na ako dati.
• lauritoedward Brisbane
  Posts: 11Member
  Joined: Jan 13, 2016

  February 2016

  @melanie_anne ano ano ba yung charges ng swoosh finance?
• melanie_anne Los Angeles
  Posts: 25Member
  Joined: Feb 13, 2016

  February 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.