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.
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Documented Cases
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Legal Basis in the Philippines
- • SEC Memorandum Circular 18 (2019) — prohibits profanity, threats, harassment, and calls outside 6am–10pm
- • BSP Circular 1048 — applies prohibited collection practices to BSP-supervised entities
- • RA 9995 (Anti-Photo and Video Voyeurism Act) — covers collection tactics using private images
- • Revised Penal Code Art. 282 — grave threats by collector may constitute criminal liability
Documented Cases
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Relevant guides
All guides →Step-by-step, citing SEC MC 18 (2019) and the SEC I-Message Mo portal
How to file a SEC complaint against an online lending app
Step-by-step guide to filing a Securities and Exchange Commission complaint against a Philippine online lending app — SEC MC 18 (2019), evidence checklist, and the SEC I-Message Mo portal.
Cease-and-desist letter, evidence pack, and regulator filing
How to respond to illegal debt collection — a step-by-step playbook
How to respond to illegal debt collection in the Philippines — SEC MC 18, BSP Circular 1160, cease-and-desist template, evidence pack, and regulator complaint paths.
An outcome-by-outcome plan for the fifteen days after you send the demand
Your loan is paid. What to do when the lender will not confirm it
Your online loan is paid but the lender will not issue a Certificate of Full Payment. An outcome-by-outcome plan: what each reply means, what to send back, and when to file with the SEC or the NPC.