My friend asked me to use my name for a loan in Home Credit Philippines, she is a good friend of mine and I know she will not run away with her obligations. Home Credit is a global consumer financing company which you can have a personal loan or avail gadgets or appliances without credit card.
I believe most of you will see Home Credit ads or agents in malls, they are everywhere now and they offer at least 20% down payment and you can bring home the item that you want to purchase; you can even have a personal loan that you can get it on the next day through your bank. Transaction is so easy just filed out he form, submit at least two ID’s and after one hour you can get the result.
But the worst side of it when it comes to reminding payments, my due date is every 5th of the month but the agent will call you to remind you about your due date three days before, iba pa ang text and email reminder. This is good sana but calling you on a daily basis even weekends and holidays is a hassle even though that you already told hem that you will settle on the this date before 5th of the month. I do not know if they take note on that on their system kasi in one day they will call you every two hours. Even though I am a good payer, I do not have any record of late payments but still they keep on nagging me. But once I am already paid they did not even bother to send an acknowledgment about it. Magaling lang silang mangulit or mag remind.
They need to improve their customer service about this payment reminder, I don’t think it’s fair to harass people who are good payers or keep on reminding us every 2 hours with the same script, even though it’s not yet our due date. Even agents are not well trained properly on how to talk properly in reminding us, the way they speak is harassing you to pay agad agad. Kaya nga may due date diba it means we can pay on that date wala naman discount if you pay early.
This is not a rant about the paying scheme or interest since I am aware of it, this is about how they deal with their customer even I am a good payer, they treat me as a delinquent one. You need to improve on this on timely reminder and learn how to acknowledge payment.
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Welcome to my space, my world! I’m Mommy Anna, a first time mommy, a wife, daughter, sister, and a friend.
Having a family, a working mommy and other woman duties rocked my world. I have a little time but a lot of things to do. My world is surrounded by my two boys (as of now), my family, my relatives, my office mate, my on line friends and my true friends. Each day I want to share and discover passion for things that makes them happy. Learning from my past experiences, I want to live life to the fullest, no holding back of anger. I want to be full of love.
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Aww, ayaw ko din ng ganyan. They should call if the client failed to make a payment hindi yung before payment. Aware naman siguro si client kung kelan ang due date.
correct sabi ko nga can you please check your record if may late payment ako, aba ang sagot pa din kailan po kayo magbabayad hello four days pa before t-he due date
I think even if the benefits are ok but the customer service is not, that gives a negative impact. Baka pwede mo po ifeedback sa knila mommy na kahit SMS na lang to remind and no need to call.
naku how many times na I even sent an email with all my receipts that is not beyond my due date, pero deadma cya
Hay, customer service talaga sa Philippines hindi na nag improve. I haven’t tried Home Credit yet pero parang marami nga silang customer.
kasi you can get the items or loan agad agad imagine for one hour okay na lahat, yun nga lang super stress kahit good payer ka :-_
I really find annoying collections agents to be an unfortunate downside to any sort of loan. Lalo na if you are a good payer. I go through the same thing with my credit card. Kaya minsan I feel talaga na it’s better to pay cash. If only I had the means to do so, I would every time.
same here mas okay ang cash 🙂
I don’t like being reminded always too. I don’t like the feeling na para kang bata na pinagsasabihan.
correct, hindi bale kung may bad record
I hate it as well when companies would remind you from time to time and yet do not have the time to acknowledge the payment after settling it. I agree that they should improve their customer service.
Awww, that’s so sad to hear mommy. I do hope this reaches the management of Home Credit so they can improve on their service.
hoping 🙂 so they can improve their customer relationship
Aw. I honestly don’t like getting a lot of calls unless it’s a life and death emergency. I had trouble like this with a cable company. We’re very very updated with our monthly bills and was never late with payments, but they call us like crazy. It can get disappointing.
I think they need to treat you better since you are responsible and consistent in paying your dues. I’ve never applied for a loan but I know the agents are persistent in tempting people to get one.
yah grabe ang kulit nila kaya minsan I am not answering na lang but still paying in my due date 🙂
Never heard about this yet. Im afraid if loans and debts and i think its better for me to stay debt free or else i cant sleep.. haha
Tsk tsk tsk. Customer service is very important. Never get companies who will harass you. Citibank agents are also quite rude, so I dumped all my Citi cards.
Konting tiis pa and matatpos na pangungulit nila
Hmmm. I practically avoid this type of establishment but let me give you my thoughts on this one. The account you posted here tells me they don’t have an efficient record system and that raises some red flags. Better have a file of your own as another document to prove that you’ve paid and always always keep the receipts.
Yup I have all in a file, they are just keep calling to remind you to pay na even its not your due date and I do not have any record of late payment. Since I am aware if late ka one day pa lang 200.00 ang interest. I am getting irritated because of nagging me in 3 4 days advance and keeps on calling in one day
Grabe naman kung makatawag sila. Tsk. Very bad customer service.
agree 🙂
Baka they’re trained to keep nagging? Minsan ganun.
siguro nga
hahaha ang kuleeet! I wouldn’t want to be reminded so many times but I guess there are people who prefer that kind of babysitting. I haven’t tried home credit and it’s not advised by a financial coach bec of the interests. But I might look into it as my father needs a laptop.
be ready sa kakulitan nila 🙂 sana ma improve nila pangungulit
I haven’t experienced taking a loan with home credit yet, but they should develop an organized follow up scheme. A text and email, IMHO, should suffice. Calls should just be when the debtor isn’t paying or is late in payments.
yes parang sa credit card, pero ito grabe as in hindi mo pa due date and paulit ulit in one day
This is my first time to avail a gadget thru Home Credit. Yes it is very easy to apply and get approved – took me less than an hour but make sure to pay on time because their penalty is really high…
do you also experience that they keep on calling you even its not yet your due date?
my hubby was thinking of applying for Home Credit but decided against it precisely because he has feedback of how bad their customer service is in terms of payment reminders. They should really try to improve that.
hoping for the improvement, and the interest is too high talaga
That is so bothersome! Kakainis pa when they’re so kulit about it. Hope they can do something about it.
That is the reason why I don’t like availing any form of loan, including credit cards. One day late, grabe mangulit. I had an experience when they wrote a letter pa even if I paid already. Grabe.
I’d get annoyed, too, if they will remind me nonstop to pay. While it’s good for business, it’s not something we’d call good customer service.
They are good in reminding but in acknowledging payment as in wala
I think one call, email, or text is enough to remind a borrower. It is really a hassle if they call you during weekends where moms are having a good time with family bonding.
I heard about Home Credit and same problem, they are too demanding when it comes to payments.
yes tapos pag bayad na walang confirmation or thank you man lang 🙂
Naku Mommy, same with Aeon Credit. Tho they will bombard you with texts three days before until the day itself ng due date, calls mga 1 week after pag di nakapagbayad. Truly a hassle yung ganyang pangungulit.
akala ko pa namna mas okay aeon kasi mas matagal na sila
Shout out dun sa bastos na customer service representative nila. Na nag reremind early this morning ng payment And after nila magsalita, di manlang nila tanungin kung may concerns ang client nila. Then goodbye agad. Sana magbago sila ng sistema pagdating sa pakikipag usap sa client nila, 1 week palang kasi before due date araw araw na sila tumatawag even late a night di pinalagpas. Kapag naman nakapag settle ka na nng payment, wala manlang confirmation.
yah totoo wala man lang acknowledgement na they receive your payment na. Even weekends and holidays call ng call eh ang layo p ng due date mo. The same time nandadaya s text reminder
mayroon pa silang Mystery Shopper”s. I try to apply kasi part time lang naman, noong nag training na kami medyo marami rami din kami.. Ang sabi ni trainor na bawal mag share nang mga contacts sa bawat isa.. Din sabi noong nag training kami na 6 Hours ang need gugulin para ma babayaran,, Din naka 5 hours na ako… Hala ka, wala nang kasunod.. kasi yong duties ay mang gagaling sa kanila kasi may Scheduler daw sila.. Ayon,, dina ako binibigyan nang schedule at di na ako mababayaran nila hahaha kawawa naman ang mga Mystery Shopper’s.. parang na isisp ko na inside job na ito
I don’t really recommend home credit hassle sa buhay
A friend of mine asked me as a sort of a “reference” which meant I was ok in giving my phone number to Home Credit. For whatever reason, somebody from Home Credit has been calling me every week to get in touch with my friend. I said I had no obligation to give his number to them. But they kept calling till I got fed up and demanded to talk to their supervisor. Like every call they apologized but now promised to delete my number.
Lesson learned.
Oh may ganun din pala, wala pa naman nag sasabi sa mga reference number na bonigay ko. What I do now kasi I pay on the day talaga of my due date kasi naiinis ako talaga sa kanila
For me its okay n they keep on reminding me about my laon. Since pera yun at yun anv nehosyo nila… pero sana wag nila kukuhaan yung account ko ng pera twice a month ng basta basta na wala naman sa agreement nmin. Pagnanakaw ang ginawa nila….
Nabawasan account you twice, kaya I don’t enroll debit sa payment center lang talaga
This is bullshit lending company! last time, i knew its my last payment on february 2017 amounting 658, then nag overdue ako ng 1 week so they add 400 so naging 1058,so i settled that amount. after 2 days again they call me that i have to pay 658 for my last payment. OMG nagulat ako kasi alam kong last payment ko ung binayaran ko. so ung 658 3months kong di nabayaran at naging 1658 with the penalty interest, i keep on my mind na diko tlaga i siseattle un dahil wala na talaga akong balance.
To make the story short, ung 1658 na balance ko including the penalty is ma wa waived daw ung penalty na 1000 so 658 na lang, then kahit sa heavy traffic ako i call my niece to settle that amount to nearest 7 11 kasi para dina sila tumawag saken at family ko at sa mga workmates ko. when i reached home i asked my niece kung na settle na ung amount na 658, sabi nya yes at ibinigay nya ung resibo at chinecked ko… ok naman bayad nya, then ngaung umaga lang! tumawag n naman ang home credit na need to pay 1658 dahil may promo ay i wawaive daw nya ang 600 na penalty so ang babayaran ko lang is 1058! sobrang mautak kau HOME Credit, sinasabi nyo ngaun n may balance pa ako na 400 since nagbayad ako ng 658, ang galing niyo magpa ikot ng tao.
Last time na nag complain ako , nagpa NBI ako and then after a days tumawag kau na ok na ang payment ko at settle na lahat at para diko na itulou ang pag file ng case, Pero ngaun theres no more reason para hindi magfile ng case..
Guys! we can file a complain against them sa pang haharass nila sa mga clients
OMG, grabe sila hope I will not experience that kaya we have to file our receipts talaga, why do they need ask you to pay again if last payment mo na sa kanila diba they have contract, ang alam ko before their head office is in Alabang area.They should practice good customer service, after this transaction hindi na talaga ako uulit sa kanila.
Its ok to remind payments if you are the one who loan it… But being just on the list and the caller is being sarcastic and already harassing you at threatening you thats a different story… Home Credit what can you say about this? Im not your client but I’ve been harassed by your caller even threatened my life… is that what you call phone etiquette?
You mean you are just the reference of their client and they been harassing you, that is really unprofessional
Hi! I’m Casey, a supervisor from Home Credit PH Customer Service. I read your blog and would love to talk to you about it. Please get in touch with me via email and I’ll see what I can do to improve your experience with us. Send your email to info@homecredit.ph. Please address your email to me.
Hi! As per your customer service all call is recorded, you can check it there so you can hear it personally how unprofessional and how annoying them. You don’t even acknowledge if payment received. You can email me at myworldmommyanna@gmail.com for more information thanks
it just happened to us a few minutes ago we are late for just a few days in making a payment since my husband was admitted to he hospital due to a mild heart attack and an agent tumawag sa amin a week ago to ask when can we make a payment sinabi na namin na by may 12 and we agreed to the fees since late nga kmi maka pay pero yes tonight an agent called my husband so rud insisting na magbayad na kmi sa due which in fact naka inform na kmi na hindi kmi maka pay dahil sa nangyari sa husband ko..i asked him several times to connect me to a supervisor since super rude na talaga sya pero ayaw nya..any suggestions on what legal actions we can do with them because if this is how they handle there customers magsara na lg kau..i even overpayed last tym pero any thank you or notifications that the payment is posted we never receive any..if ma heart attack yung husband ko sa kakapilit ng agent na magbayad kmi ngayon sila ba magigiging liable if mamatay yung husband ko because of there bad customer service???
Hi sorry to hear that, yah I agree with how rude you are, can you email me your husband’s name and contract number I will raise this one with the Home Credit. Last week Home credit management called me up and talked about my complain maybe its better I can include yours. They must be aware that in case of unforeseen event they should be flexible in terms. Thank you
Hi.. may naavail din kmi sa home credit,, at yun nga khit 6am ng umaga tumatawag sila,, actually ung balance na 532 pesos. Binabayaran ko pa ng advance na month ulit para ndi cla mangulit,, pero khit na ndi pa due tawag n sila ng tawag,. Ndi na nila gunawang peaceful ang buhay ko..
Yes even we pay in advance same pa din treatment nila, kaya sa inis ko I don’t answer their call and I paid on the day of the due date. None sense naman if maaga magbayad eh.
I also have this bad experience. Ngaun lng ako nadelay for 5 days tapos I said willing ko bayaran ung overdue fee na 200. And I set a date na siguradong mababayaran ko. Grabe ayaw iconsider nung agent. Hindi daw puwede, kailangan daw Thursday. Sabi ko naman sorry pero ayokong magpromise kung alam kung di ako sigurado. Maayos akong nakikusap tapos ang bastos sumagot. Grabe ha parang nanliit ako sa sarili ko that time. Ngaun lang ako nakaencounter ng bastoa na customer service. I really feel bad until now. Is there a way to report those situations?
Hi, they are really rude even in reminding us parang galit agad. I reported before through their hotline pero wla nangyari that is why I decided to make a blog post to get their attention.
Their management contacted me, I told them my bad experience same with some other people as of now they lifted the numerous call reminder ka kasimula pa lang last month.
Hello, please help me. I had a bad experience too. Now lang ako na din ako na delay kasi i had an emergency. May naiwan na penalty sa pastdue ko. Kasi sabi ng Kausap q sa hotline once n ma post ung payment waived ang penalty. Theh, that day bbyaran q ung mo. installment i forgot ung contract no. Tumwag ulit ako sa hotline then sabi wala daw note n waived ung penalty so bnayaran q lang ung gross p din and nag raised aq ng concern multiple times sa knila. Yesterday i got a txt from my Mom. May pmunta daw sa bahay insisting 44days pastdue but actually penalty lng ung naiwan. Now ung field officer dinisclose ang loan granted then previous transactions ko sa mother q even though confidential. Edi nagalit ang Mother q ng nlaman. Then nanthreat ung field officer sabi ipapa barangay daw ako tom.. Kahihiyan un dahil lng sa penalty sana sinabi nila na ndi nila i grant ung waived ng penalty para tapos. hope ma help mo po ako. thanks
Hi Ness! They really had a bad service they should not disclose to anyone the loan, can you please email me your name and contract number. One of the management contacted me last month and we had an agreement no call reminder. But I can forward your concern kasi foul na yan
hi ms ness, what happen na sa home credit mo po? same here ng txt sila n mag file daw sila ng case sa barangay hall namin..
hi the management lifted the call reminders na,
I also had a bad experience with home credit. Di aq delinquent customer. I settled my dues on time.. Nahospitalized ako for 6 days at kakalabas lang kahapon due to thyroid problem. My due date is every 18th of the month. They started calling me june 10. As in everyday. Walang pinipiling oras. As early as 7am, as late as 10:30pm. Nagsilent ako ng fone kasi maya,t maya natawag nakakahiya sa kasama kong patient din sa room. Minsan after magendcall may kasunod agad in just split of seconds. How can i accomodate those calls if my thyroid is in pain? Then my sister answered one of their calls last june 18. Told them that im in the hospital and will settle the payment as soon as makalabas na. Then nung makalabas kami kahapon dumaan muna kami sa 7-11 para magbayad ng P1060.Pero still tumawag pa rin sila kagabi. Nakakainis talaga. Total number of calls with different numbers: 38
Hi Kai, same here they keep on calling as early as that and even on holiday, I also don’t answer their call kasi paulit ulit lang it’s not my due date pa. When I posted this blog they get in touch with me and they lifted the call reminder, I told them I will not take down this post if they don’t improve sa ibang customer and yet tama ako they still harass people.
Hi! Kai, we are sorry to hear about the inconvenience our frequent payment reminders have caused you. Can you please email your contract details to info@homecredit.ph to help us further investigate your concern?
Ay, napakabad pala ng customer service sa Home Credit. Balak ko pa naman magloan ng gadgets, pero nung nagserch ako ng mga reviews about HC puro negative lahat. 🙁
Hi Eira, they are good in releasing super accommodating when it comes to collection grabe sa kulit kahit you are a good payer
Hi can I ask po? In my case po kasi I got sony phone and agreed na installation po. Nag down po ako ng 10k and on my first month of due I paid po ng 25k as the rest po sa 7/11. The thing is, nawala yung Original Receipt ko na patunay na nag bayad po ako. They sent me messages to pay my debts and last night po they sent me message na they will visit our brgy in 2 days. And asked me to pay some additional legal fees of 20%. Sabi nila wala silang record na nag bayad ako ng 25k and threatening me na they will send a lawyer. Ano po dapat kong gawin? Thank you po in advance.
Hello sorry for the late reply have you resolve the issue