JuanHand

Not BSP supervisedSEC Registered

Philippine online lending platform (OLP) offering personal micro-loans. SEC-registered. Complaints include contact-list shaming and abusive collection.

https://juanhand.ph ↗

₱0

in damages claimed against JuanHand in the last 30 days

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Complaints

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Calculate Your Damages

Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.

Disclaimer: These are estimated damages for filing purposes. Actual award is at court or regulator discretion. Emotional distress of ₱25,000/incident is a reference figure from PH jurisprudence, not a guaranteed amount. BSP penalties cite BSP Circular 1160 (2022). Lost wages at DOLE NCR minimum wage ₱645/day (DO 241-24, effective Nov 4 2024).

Your information (for PDF only)

Full name

Incident date

Address

Damages

Principal amount lost (₱) — the core disputed amount

Interest already paid (₱) — informational only, not included in damages claim

Lost wages — days unable to work due to this dispute

days × ₱645/day (DOLE NCR 2025) = ₱0.00

Medical expenses (₱) — capped at ₱100k without receipts

I have official receipts / OR (raises cap to ₱500k)

Emotional distress — qualifying incidents (₱25,000/incident, court discretion)

incidents × ₱25,000 = ₱0.00

Filing fee (small claims, A.M. No. 08-8-7-SC)₱1,000.00

Your damages estimate

₱1,000.00

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Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.

Worker Witness Reports

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Witness Wall

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First-person testimonies from JuanHand customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.

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Documented Issue Types

Contact-List Access / Debt Shaming

Lending app accessed phone contacts without consent and used them to shame or pressure the borrower — calling family, friends, or employers about the debt.

JuanHand × Contact-List Access / Debt Shaming

Excessive / Undisclosed APR (Online Lending)

Effective annual percentage rate — including processing fees, insurance, and other charges — far exceeds what was advertised or the BSP Circular 1133 cap.

JuanHand × Excessive / Undisclosed APR (Online Lending)

Abusive or Threatening Loan Collection

Collector used threats, profanity, public humiliation, or called outside permitted hours. Prohibited under SEC Memorandum Circular 18 and BSP Circular 1048.

JuanHand × Abusive or Threatening Loan Collection

Accountability Ledger

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Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.

View Accountability Ledger for JuanHand →

Public Record (1 entry)

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Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving JuanHand. Every entry cites a primary source.

NPC orders immediate takedown of JuanHand and three other online lending apps
2021-03-16 · npc · adverse

View Public Record for JuanHand →

User Reviews & Complaints

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1-2 star Play Store reviews for JuanHand, categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.

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App Permissions

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Declared Android app permissions for JuanHand, reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.

View App Permissions for JuanHand →

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