Dealing with abusive online lending companies can be a daunting experience. The National Bureau of Investigation (NBI) in the Philippines provides a way for individuals to report such activities, particularly if they involve serious threats, extortion, cybercrime, or potential scams. Here is a comprehensive, step-by-step guide to help you navigate the process of reporting these predatory lenders.
Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in December 2024
| Rank | Lender Name & Application Link | Loan Amount | Loan Term | Interest Rate | Repayment | ID Required | Age Range | Special Feature |
|---|---|---|---|---|---|---|---|---|
| #1 |
SOSCREDIT |
₱1,000 – ₱25,000 | 3 – 12 months | 0% for first loan | Monthly or End of term | Only ID Card required | 20 – 70 | Receive money in 15 mins |
| #2 |
CREDIFY |
₱1,000 – ₱25,000 | 3 – 12 months | 0% for first loan | Monthly or End of term | Only National ID required | 20 – 70 | Receive money in 15 mins |
| #3 |
CREZU |
₱1,000 – ₱25,000 | 2 – 4 months | 0% for first loan | Monthly or End of term | Only ID Card required | 18 – 70 | Easy loan approval |
| #4 |
FINBRO |
₱1,000 – ₱50,000 | 1 – 12 months | 0% for first loan | Monthly or End of term | Only ID Card required | 20 – 65 | Receive money in 10 mins |
| #5 | CREDITIFY Apply Now |
₱1,000 – ₱25,000 | 1 – 180 days | 0.1% | Monthly or End of term | Only ID Card required | All accepted | Approve Bad credit |
| #6 | CASHSPACE Apply Now |
₱1,000 – ₱25,000 | 2 – 4 months | 0% for first loan | Monthly or End of term | Only ID Card required | 18 – 70 | Easy loan approval |
| #7 | DIGIDO Apply Now |
₱1,000 – ₱25,000 | 3 – 6 months | 0% for 7 days | Monthly or End of term | Only ID Card required | 21 – 70 | Receive money in 4 mins |
| #8 | KVIKU Apply Now |
₱500 – ₱25,000 | 60 – 180 days | 1.2% per month | Monthly or End of term | Only ID Card required | 18 – 65 | Receive money in 5 mins |
| #9 | CASHEXPRESS Apply Now |
₱1,000 – ₱20,000 | 7 – 30 days | 0% for first loan | End of term | Only ID Card required | 21 – 70 | Receive money in 5 mins |
| #10 | MONEYCAT Apply Now |
₱500 – ₱20,000 | 7 – 180 days | 0% for first loan | End of term | Only ID Card required | 22 – 65 | Easy loan approval |
Step 1: Determine the Nature of Your Complaint
Before you proceed, it is crucial to understand the types of cases the NBI typically handles. The NBI is primarily concerned with serious offenses that include:
- Threats of Violence or Blackmail: If the lending company has threatened you with harm or used blackmail tactics to coerce you into paying.
- Hacking and Unauthorized Access: Instances where the lender has hacked into your personal accounts or devices.
- Fraudulent Activities: Situations where the lender has misrepresented their identity, the loan terms, or engaged in other deceptive practices.
Ensure that your complaint falls within these categories to facilitate a smoother reporting process.
Step 2: Gather Sufficient Evidence
Collecting evidence is a critical step in substantiating your complaint. The more detailed and organized your evidence, the stronger your case will be. Here’s what you need to gather:
- Screenshots: Capture images of any threatening messages, social media posts, or other forms of harassment.
- Call Logs: Record dates, times, and durations of harassing phone calls from the lender.
- Loan Documents: Keep all copies of your loan agreements, including any correspondence with the lender.
- Additional Evidence: Gather any other relevant material, such as witness statements or other forms of communication.
Step 3: Contact the NBI
There are several ways you can file your complaint with the NBI:
- Visit an NBI Office: Locate the nearest NBI regional or district office and visit them in person. Bring all your evidence along with a sworn statement (affidavit) detailing your complaint.
- Cybercrime Division Website: The NBI has a dedicated portal for reporting cybercrime at NBI Cybercrime Division. Look for options like “File a Complaint” to start the process online.
- Email: If visiting in person or online filing is not feasible, you can send your complaint and evidence via email. Ensure that you provide a clear and concise description of your issue and attach all supporting documents.
Step 4: Provide Detailed Information
When filing your complaint, make sure to include comprehensive details to help the NBI understand and act on your case efficiently. Your report should contain:
- Your Information: Include your full name, address, and contact details.
- Lender’s Information: Provide the company name, website, and any known contact details of the lender.
- Nature of the Complaint: Clearly describe the harassment, threats, or fraudulent activities you have experienced.
- Evidence: Attach all the supporting evidence you have gathered to substantiate your claims.
Additional Tips for a Successful Complaint
- Stay Calm and Organized: Presenting your information in a calm and organized manner will help authorities understand your situation better.
- Follow Up: After submitting your complaint, follow up with the NBI to track the progress of your case.
- Seek Legal Advice: Consider consulting with a legal professional to ensure you have all necessary documentation and understand your rights throughout the process.
By following these steps, you can take the necessary actions to report and address the misconduct of online lending companies, helping to protect yourself and potentially prevent others from falling victim to similar abuses.