Kapag ika'y nabaon sa utang, online lending apps (OLA) ba ang iyong takbuhan? Naku! Baka tuluyan ka niyang ibaon... sa kahihiyan!
Marami nang naipasara ang mga awtoridad na OLAs dahil sa pananakot, pamamahiya o pagbabanta sa buhay ng mga kliyente nito.
Kasama sina Jillian Ward at Andre Paras, maging mas mapagmatyag sa iyong mga inuutangan online!
Kapuso, 'paka-wais tayo. Let's #FactsTalk!
Marami nang naipasara ang mga awtoridad na OLAs dahil sa pananakot, pamamahiya o pagbabanta sa buhay ng mga kliyente nito.
Kasama sina Jillian Ward at Andre Paras, maging mas mapagmatyag sa iyong mga inuutangan online!
Kapuso, 'paka-wais tayo. Let's #FactsTalk!
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NewsTranscript
00:00 [whoosh]
00:02 [typing]
00:04 Hi, guys!
00:06 Wait, guys, because you have to add to cart another luxury, super-duper luxury bag.
00:11 Thank you for the roses! Thank you for the roses!
00:14 Hey, Estella!
00:16 Get out of there! Don't add to cart!
00:19 What you have to do is add to pay!
00:21 You're in debt!
00:22 You're in debt!
00:23 There's no one here!
00:25 [laughs]
00:26 She's gone! There's no one here but there's an answer!
00:29 Show yourself if you don't want to have a hard time in the barangay!
00:32 Why are there flowers and flowers here?
00:37 What happened to the dead?
00:39 Flowers?
00:40 Dead?
00:41 [phone ringing]
00:45 What?
00:46 Do you plan to borrow from online lending apps?
00:50 Before you click, it's important to know their mode.
00:54 Hi, this is Jillian.
00:56 Because instead of a solution, you might have a bigger problem.
01:00 Hi, this is Andre.
01:01 Kapuso, let's go!
01:02 Let's talk!
01:03 Let's backstop!
01:05 Yes, Ms. Malasakit, I'm in debt with milk for Baby Pablo.
01:10 Hey, Junard, why are you delaying paying your debt?
01:16 The truth is, we just discharged Baby Pablo from the hospital because of pneumonia.
01:21 I just made a promissory note so we can go out.
01:25 Oh, I'm worried that Pablo might be sick.
01:29 You're not telling me right away, Junard!
01:32 Don't worry, my loan application will be done by tonight and I'll pay you right away.
01:38 You're in love!
01:40 No, this is a loan-pa-more app.
01:44 I'm paying by paynex and it says, "Instant cashdown in just 5 minutes."
01:48 And the good thing is, it's only 50% interest per month as long as I can pay consistently.
01:54 This is what I'll pay you and the hospital.
01:57 Wait, wait, wait.
01:59 What stage of the application are you in? Let me see that app.
02:03 Ah, it's just in verification.
02:05 I'll just send a selfie later and a valid ID.
02:08 Junard, have you heard of GMG?
02:12 What's that?
02:14 GMG, Google Mug…Guy.
02:17 Check if the online lending site you're using is legit.
02:23 How do I do that?
02:24 Check here on the website of the Securities and Exchange Commission or SEC.
02:31 There's a list of accredited or online lending apps.
02:36 That's it. It's confusing sometimes because they look the same.
02:42 Here's my tip for you, Junard.
02:44 First of all, look for a SSL or TLS certificate with a symbol like this.
02:52 Second, check if there's a contact detail on the mentioned page.
02:56 And third, try searching for a page with the same name.
03:02 And don't click on the unknown text and pop-up icons on the internet.
03:07 You're really childish.
03:09 I'm not wondering why your name is Ali Malasakit.
03:12 You're so good.
03:14 Under our law, the interest rate of the loan is agreed by the legitimate lending company and borrower.
03:21 But this March of 2022, a new circular was released where the ceiling was set
03:27 that the loan is 6% interest rate, not more than P10,000 and there's a 4-month installment.
03:33 According to this, if you can't pay on time,
03:37 they can only ask for up to 5% of your loan as a penalty every month.
03:43 And the 5-6 loan is also illegal.
03:48 In fact, in 2017, 5-6 loan sharks were arrested because they can't pay their debts to small sarisari store vendors.
03:58 With 5,000 loans, 1,000 is the interest rate.
04:02 Guys, I'm so excited.
04:05 I love my bag.
04:07 This is Stella.
04:10 She's flexing her expensive online goods but she can't pay her debt.
04:15 Her face is so thick.
04:17 Thank you for the roses.
04:19 What's that?
04:21 Moses, Moses.
04:22 Hey, Jonad!
04:24 You still have a debt, don't forget.
04:27 Yes, I'll do something to pay it off.
04:29 Bye.
04:30 These guys are so strong in their debt.
04:35 But when they complain that there's no work to be found, they're crazy.
04:39 Hi, guys!
04:41 Welcome to my life.
04:43 Here's my first luxury bag, my DB bag.
04:46 It's worth P150,000.
04:48 And wait, I'll add another luxury bag.
04:53 It's on sale for P500,000.
04:55 I might run out of it.
04:57 Guys, I have gifts for you.
05:00 What's that?
05:01 Thank you for the roses.
05:04 Ice cream, nom, nom, nom.
05:10 Okay, I'll give you a taste of my nom, nom, nom.
05:14 Hey, Stella!
05:16 Get out of there!
05:18 Stop acting like a rich girl.
05:20 You're acting like a rich girl, you should pay your debt.
05:23 You're so stingy.
05:24 She's not here.
05:26 Oh, no.
05:28 Ms. Malasaki is looking for me again.
05:30 She's so unlucky and she's a pain in my life.
05:32 She's not here?
05:35 There's no one here but she's answering.
05:37 Hey, you animal!
05:38 Get out of there!
05:39 You were live earlier.
05:41 Show yourself if you don't want to face the whole barangay.
05:44 Hey, who's ringing the bell?
05:47 Why are there flowers and dead bodies here?
05:53 Dead bodies?
05:56 What?
06:02 RG No!
06:04 You're not on a due date yet.
06:07 Fine, you're not on a due date yet.
06:09 Wait for this, we'll kill your whole family.
06:12 I don't care.
06:14 Just accept our package outside your door.
06:18 And if you're not on a due date yet,
06:21 we'll post you as a scammer and steal your followers.
06:26 Hi, ma'am.
06:31 I'm just here to receive this delivery for you.
06:35 Hello, what's your name?
06:37 Ken.
06:38 Ken?
06:39 You're so pitiful.
06:42 Maybe you can give me a chance?
06:44 Ma'am, I cannot.
06:46 I'm just working in funeral services and I was just ordered to deliver this.
06:51 Aren't you going to accept it?
06:53 They're so shameless.
06:56 They're embarrassing my followers and my neighbors.
06:59 Why are you in debt that you can't pay?
07:04 I thought you're making a lot of money from your live-streaming.
07:09 I'm sorry, ma'am.
07:12 Well, it's okay.
07:15 It's sustainable.
07:17 But sometimes, my followers are pressured to flex their luxury items.
07:22 So, I'm just in debt.
07:25 But we talked about it.
07:27 Every single day,
07:29 why do they get in debt just for a week?
07:33 And excuse me, Ken.
07:34 How did you know my address?
07:36 Ma'am, to be honest,
07:38 we got your address from the database provided by this lending app.
07:42 Let me see.
07:44 There you go, Stella.
07:53 You agreed to their terms and conditions
07:57 that your contacts, location, and gallery can be accessed.
08:02 Huh?
08:03 I don't remember reading that.
08:06 There you go. Page 4 of 5.
08:10 Oh, my gosh.
08:13 Of course, I didn't read all of that.
08:15 It's too long.
08:17 Where did you get that app?
08:19 It just appeared in my live-stream.
08:23 This is Justin.
08:25 He's running out of money 'cause it's "pecha de peligro".
08:27 But he found "pa-utang galor" and "wada".
08:29 Problem solved.
08:30 Instant cash up to Php50,000.
08:32 Did you read the reviews of that app?
08:39 No, I had no time.
08:41 I was just live-streaming.
08:42 Okay, let's check.
08:45 One out of five.
08:47 My family's life is in danger.
08:51 One of them said,
08:54 "I was fired from my job
08:57 because I was embarrassed in front of my bosses."
09:00 I don't want to reach this point.
09:02 Please help me.
09:04 Here's what you should do.
09:05 Listen up.
09:06 First, uninstall that app.
09:10 Second, don't allow to access all of your apps
09:14 in your location, gallery, and contacts.
09:17 All of those are in the settings.
09:19 Can you sign my delivery sheet?
09:22 I have a lot of deliveries to make today.
09:24 I won't be locked up in my office.
09:26 I might get fired.
09:28 Just go back to your shop.
09:30 What happened to Stella is not new.
09:34 It happened in real life.
09:36 A borrower was delayed for a few days
09:39 by the delivery of Corona, Bulaklak, and Ataol
09:42 after being delayed for three days in paying.
09:45 That's why, my dear colleagues,
09:47 you should check the list of authorities
09:50 to see if they are qualified to apply for a loan.
09:55 Also, call the following hotlines
09:58 of the NBI Anti-Cybercrime Group or SEC
10:01 if you are facing embarrassment or risk in your life.
10:05 I'll get going, ma'am.
10:08 Thank you again.
10:09 But, Ms. Malasakit,
10:13 how did you know all of that?
10:15 You know, Stella,
10:18 not everyone goes online shopping
10:21 and binge-watches everything you can get online.
10:25 There are also good informative shows and content
10:29 that you can take lessons from.
10:33 But, do you know what taught me the most about lessons?
10:37 Experience.
10:39 My brother, Justin, and I are both in the gambling business.
10:44 I'm in online tongkits, and he's in online sabong.
10:46 And because we're running out of money,
10:48 we also started online.
10:50 We have our own account, selfie, and three co-makers.
10:52 We instantly cashed out.
10:53 We owe almost half a billion.
10:55 We made our family a co-maker,
10:57 or the one who will sign the insurance when we pay.
10:59 But we didn't know that our employees also got contacts.
11:02 We started an online lending app.
11:03 We chatted with our employers.
11:04 They made a group chat,
11:05 and we posted it on Facebook.
11:07 So, now, we're just pretending.
11:08 You're so mean, Ms. Malasakit.
11:12 Yes.
11:14 So, wait a minute.
11:16 I'll just call Agent DeJos.
11:18 We contacted him before when we reported to the NBI.
11:22 Yes, Ms. Malasakit?
11:26 Sir, we have a neighbor who got scammed again in the online lending app.
11:32 Can you talk to him?
11:34 Here.
11:36 Hello.
11:41 Sir, please help me.
11:43 Okay.
11:44 We asked for the details of the lending app
11:47 so that we can get a warrant and schedule a raid.
11:50 But, Madam, be careful next time.
11:53 Because since 2021,
11:55 our office has received 152 complaints against their OLA.
12:00 46 of these were filed in the first two months of 2023.
12:05 And as of August 2023,
12:07 41 online lending apps were downloaded from an app downloading website.
12:12 Please go to Madam Stella's office to file a formal case.
12:17 Thank you. See you.
12:19 Ms. Malasakit,
12:22 excuse me.
12:23 I'll just file a case in the NBI.
12:25 Wait, what about your loan?
12:28 Okay. Talk to you soon. Bye.
12:30 So, in times of doubt,
12:33 applying for online lending apps,
12:35 remember,
12:36 red flags are
12:38 Read the terms and conditions carefully.
12:41 Don't just agree with everything.
12:43 Read it carefully, even if it's a long one,
12:46 so that you can avoid harassment.
12:48 E. Examine the legitimacy of the lending agency
12:52 by checking it on the list of SEC-accredited OLA.
12:55 This is the website where you can see
12:58 the legally operating OLAs approved by the authorities.
13:02 D. Decide for capacity to pay.
13:05 If you can't pay from the start,
13:08 then don't borrow.
13:10 This is Jillian Ward,
13:11 and this is Andi Paras.
13:13 Be alert!
13:14 Don't be fooled!
13:15 This is the Facts Talk of GMA Integrated News.
13:18 ♪