Valley Loan Harassment Philippines reviews have received numerous complaints from Filipinos who are unable to repay their loans and are being constantly bombarded with irritating phone calls, text messages, and emails to collect the debt. If you are being harassed regarding a loan, here are some general steps you can take to address the situation:
Document the harassment:
- Keep a record of all interactions with Valley Loan, including dates, times, methods of contact (phone calls, text messages, social media), and the content of the messages or conversations. Save screenshots or recordings if possible.
- Document any threats, insults, or other abusive behavior.
Report the harassment:
- File a complaint with the Securities and Exchange Commission (SEC): The SEC regulates online lending platforms in the Philippines. You can file a complaint online through their website: https://www.foi.gov.ph/.
- Report the harassment to the National Bureau of Investigation (NBI): The NBI investigates online scams and illegal activities. You can report the harassment to their Cybercrime Division hotline: (02) 844-1651.
- Report the harassment to the Philippine National Police (PNP): You can file a report with your local police station.
Seek legal advice:
- Consider consulting a lawyer specializing in consumer protection or debt collection. They can advise you on your legal rights and options, such as filing a civil lawsuit against Valley Loan.
Protect yourself:
- Block Valley Loan’s phone numbers and social media accounts.
- Change your passwords for online accounts, especially those linked to your bank or financial information.
- Inform your family and close friends about the situation and ask them not to engage with Valley Loan on your behalf.
Additional resources:
- The National Center for Consumer Protection (NCCP): https://fairtrade.dti.gov.ph/services/complaints-handling/
- The Department of Justice (DOJ): https://www.doj.gov.ph/
- The Office of the President (OP): https://www.facebook.com/officeofthepresidentofthephils/
Remember:
- You have the right to be treated fairly and respectfully. Debt collection practices in the Philippines are regulated by law, and harassment is illegal.
- Don’t be afraid to seek help. There are resources available to support you through this difficult situation.
It’s important to act quickly and take steps to protect yourself from further harassment. I hope this information helps you deal with the situation effectively.
Please let me know if you have any other questions.
