Escalation-ladder tracker
When a bank ignores you, the fix is climbing the ladder in order — written demand, BSP mediation, BSP adjudication, and finally a court petition. This tracker keeps your place: mark each stage done, record the key dates and your BSP case number, and see the bank's response deadline computed for you.
Not sure BSP is the right body for your complaint? Check which regulator handles your case →
0 / 5 stages marked done
1. Send a written demand to the bank (FCPAM)
Send a dated written demand to the branch and the bank's Financial Consumer Protection Assistance Mechanism (FCPAM). Record the date you sent it — the tracker computes the bank's response deadline.
2. Wait for the bank's response
The bank has 15 banking days to act on your demand. If the deadline below passes with no release of the Cancellation of Real Estate Mortgage, you have proof of availment and can escalate to BSP.
Enter the date you sent the demand in Stage 1 to see the deadline.
3. Escalate to BSP-CAM mediation
File with the BSP Consumer Assistance Mechanism through the BSP Online Buddy (BOB) chatbot on bsp.gov.ph, or email consumeraffairs@bsp.gov.ph. Continue until you get a reference number, then record it below.
4. Request BSP adjudication
If mediation stalls, ask BSP to adjudicate under RA 11765. BSP can adjudicate civil claims of ₱10,000,000 or less; its decision is final and executory. Mark done once you have requested adjudication.
5. File a §108 petition in court (RTC)
If the bank still will not release the cancellation, a §108 petition (PD 1529) asks the Regional Trial Court, as a land-registration court, to order the annotation cancelled judicially. Generate the draft, then bring it to a lawyer to finalize.
Your progress is saved only in this browser (localStorage) — nothing is sent to a server, and it is not shared across your devices. Automated deadline reminders are a planned future feature. Informational only, not legal advice.