Cebuana Lhuillier

Cebuana Lhuillier (operated by PJ Lhuillier, Inc.) is SEC-registered and its pawnshop, remittance, and microinsurance lines are supervised by the BSP under MORNBFI Sec. 4292P (pawnshops) and BSP remittance rules. It is not a BSP-supervised bank.

• Source:BSP — MORNBFI
• Source:PD 114 — Pawnshop Regulation Act

Cebuana Lhuillier disclosed in 2019 a breach affecting approximately 900,000 customers. The matter was addressed by the National Privacy Commission and reflected in NPC Resolution NPC-BN-19-002 (issued 2024).

• Source:NPC Resolution NPC-BN-19-002 (Cebuana, 2024)
• Source:RA 10173 — Data Privacy Act

Submit a written complaint to the branch and the company's customer service first. If unresolved within 15 business days under RA 11765, escalate to BSP (CAM) for pawnshop or remittance issues and to NPC for any data-privacy element.

• Source:RA 11765 (FCPA, 2022)
• Source:BSP Consumer Assistance Mechanism
• Source:NPC complaint portal

Yes. PD 114 §13 grants a 90-day grace period after maturity, during which the pawner may redeem upon payment of principal, interest, and service charge. Public auction is permitted only after this period.

• Source:PD 114 — Pawnshop Regulation Act

BSP pawnshop rules (MORNBFI Sec. 4292P) require the rate to be posted at the branch; Central Bank Circular 905 lifted statutory ceilings, but courts have struck unconscionable rates under Article 1306 of the Civil Code (Medel v. CA, 1998).

• Source:BSP — MORNBFI
• Source:Central Bank Circular 905, s. 1982
• Source:Medel v. CA, G.R. 131622 (1998)

Oo. Under RA 10173 §16, may karapatang mag-file ng administrative complaint sa NPC at humingi ng moral damages sa civil action. Ang NPC ay maaaring magpataw ng administrative fines hanggang ₱5M per offence sa NPC Circular 2022-01.

• Source:RA 10173 — Data Privacy Act

RA 11765 §6 sets a 15 business-day default response window for financial service providers. Failure to respond is itself a documentable violation under the FCPA and BSP Circular 1160.

• Source:RA 11765 (FCPA, 2022)
• Source:BSP Circular 1160 — IRR of RA 11765

Pawn ticket or remittance receipt, screenshot of advertised rate, and any written reply from the branch or call-center. RA 3765 requires a written disclosure of all charges; request a copy if missing.

• Source:RA 3765 — Truth in Lending Act

Mag-demand muna sa branch in writing. Kung hindi ayos, mag-file sa BSP Consumer Assistance Mechanism (RA 11765) at sa MTC small claims kung ₱1,000,000 pababa ang halaga ng dispute.

• Source:BSP Consumer Assistance Mechanism
• Source:A.M. No. 08-8-7-SC — Small Claims Rules

Yes. RA 10173 grants the NPC authority to order data deletion, issue cease-and-desist orders, and impose administrative fines. NPC Circular 16-04 sets a 1-year prescriptive period from the date of discovery.

• Source:RA 10173 — Data Privacy Act
• Source:NPC Circular 16-04 — Rules of Procedure