I was overcharged the sender fee on a padala — can I get it back?
Last updated: 2026-07-11 · Educational content; not legal advice.
Short answer
Yes. If the agent collected more than the fee it disclosed or advertised, the excess must be returned — a provider cannot lawfully keep a charge it never disclosed to you. RA 11765 (2022) gives you the right to disclosure, transparency, and redress, and the Truth in Lending Act (RA 3765) backs your right to a written statement of the charges. Bring your receipt and any proof of the advertised fee, demand the difference back in writing, and escalate to the BSP if the agent refuses. See LabanPH's M Lhuillier overcharge answer for the refund-demand route.
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Frequently asked
What evidence do I need to claim an overcharge?
Your original receipt, proof of the advertised or disclosed fee (a photo of the counter tariff or a screenshot), and any written reply from the agent. The Truth in Lending Act (RA 3765) requires the charges to be disclosed in writing — request a copy of the fee schedule if you were not given one.
How do I demand the difference back?
Put it in writing to the provider's consumer-assistance channel, state the disclosed fee versus the amount collected, attach the receipt, and ask for the excess to be refunded. LabanPH generates this refund-demand letter for free.
Where do I escalate if they refuse?
To the BSP for remittance services. File with the BSP Consumer Assistance Mechanism (BSP-CAM) under Circular 1169 after the provider's own mechanism fails; per BSP's FAQ the process may take 55 to 65 days and needs no lawyer.
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Padala fees, refunds, and overcharges at remittance and pawnshop counters.