Loan Terms Not Properly Disclosed
Interest rate, fees, or amortization schedule not clearly explained before signing.
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Documented Cases
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Escalated / Verified
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With Amount Disputed
Legal Basis in the Philippines
- • RA 3765 (Truth in Lending Act) — full cost disclosure before loan signing
- • BSP Circular 730 — clear and accurate pricing disclosures
Documented Cases
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Relevant guides
All guides →Step-by-step, with the exact BSP intake channels
How to file a BSP consumer complaint — online and on paper
Step-by-step guide to filing a complaint with the Bangko Sentral ng Pilipinas — BSP Online Buddy, consumer email, and the paper Consumer Assistance Mechanism form.
PD 114, BSP supervision, and the BSP Consumer Assistance Mechanism
How to recover pawnshop overcharges and disputed appraisals
How to recover pawnshop overcharges in the Philippines — PD 114 limits, BSP Consumer Assistance Mechanism, evidence checklist, and small-claims path.
RA 11765, BSP Circular 1048, and the SEC complaint path
How to stop a GPS kill-switch on your financed vehicle
How to stop a wrongful GPS kill-switch activation in the Philippines — RA 11765 limits, evidence pack, demand letter, SEC and NPC complaints, and small claims for damages.
The document that clears the mortgage annotation on a paid-off title
How to get your Cancellation of Real Estate Mortgage — when the bank refuses or lost it
Step-by-step: how to get the Cancellation / Release of Real Estate Mortgage from a Philippine bank after a loan is paid, escalate to BSP if it refuses, and register the cancellation at the Registry of Deeds — including for heirs of a deceased borrower.
Common questions
Related LABAN Answers
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