00:00 [whoosh]
00:02 [typing]
00:04 Hi, guys!
00:06 Wait, guys, because you have to add to cart another luxury, super-duper luxury bag.
00:11 Thank you for the roses! Thank you for the roses!
00:14 Hey, Estella!
00:16 Get out of there! Don't add to cart!
00:19 What you have to do is add to pay!
00:21 You're in debt!
00:22 You're in debt!
00:23 There's no one here!
00:25 [laughs]
00:26 She's gone! There's no one here but there's an answer!
00:29 Show yourself if you don't want to have a hard time in the barangay!
00:32 Why are there flowers and flowers here?
00:37 What happened to the dead?
00:39 Flowers?
00:40 Dead?
00:41 [phone ringing]
00:45 What?
00:46 Do you plan to borrow from online lending apps?
00:50 Before you click, it's important to know their mode.
00:54 Hi, this is Jillian.
00:56 Because instead of a solution, you might have a bigger problem.
01:00 Hi, this is Andre.
01:01 Kapuso, let's go!
01:02 Let's talk!
01:03 Let's backstop!
01:05 Yes, Ms. Malasakit, I'm in debt with milk for Baby Pablo.
01:10 Hey, Junard, why are you delaying paying your debt?
01:16 The truth is, we just discharged Baby Pablo from the hospital because of pneumonia.
01:21 I just made a promissory note so we can go out.
01:25 Oh, I'm worried that Pablo might be sick.
01:29 You're not telling me right away, Junard!
01:32 Don't worry, my loan application will be done by tonight and I'll pay you right away.
01:38 You're in love!
01:40 No, this is a loan-pa-more app.
01:44 I'm paying by paynex and it says, "Instant cashdown in just 5 minutes."
01:48 And the good thing is, it's only 50% interest per month as long as I can pay consistently.
01:54 This is what I'll pay you and the hospital.
01:57 Wait, wait, wait.
01:59 What stage of the application are you in? Let me see that app.
02:03 Ah, it's just in verification.
02:05 I'll just send a selfie later and a valid ID.
02:08 Junard, have you heard of GMG?
02:12 What's that?
02:14 GMG, Google Mug…Guy.
02:17 Check if the online lending site you're using is legit.
02:23 How do I do that?
02:24 Check here on the website of the Securities and Exchange Commission or SEC.
02:31 There's a list of accredited or online lending apps.
02:36 That's it. It's confusing sometimes because they look the same.
02:42 Here's my tip for you, Junard.
02:44 First of all, look for a SSL or TLS certificate with a symbol like this.
02:52 Second, check if there's a contact detail on the mentioned page.
02:56 And third, try searching for a page with the same name.
03:02 And don't click on the unknown text and pop-up icons on the internet.
03:07 You're really childish.
03:09 I'm not wondering why your name is Ali Malasakit.
03:12 You're so good.
03:14 Under our law, the interest rate of the loan is agreed by the legitimate lending company and borrower.
03:21 But this March of 2022, a new circular was released where the ceiling was set
03:27 that the loan is 6% interest rate, not more than P10,000 and there's a 4-month installment.
03:33 According to this, if you can't pay on time,
03:37 they can only ask for up to 5% of your loan as a penalty every month.
03:43 And the 5-6 loan is also illegal.
03:48 In fact, in 2017, 5-6 loan sharks were arrested because they can't pay their debts to small sarisari store vendors.
03:58 With 5,000 loans, 1,000 is the interest rate.
04:02 Guys, I'm so excited.
04:05 I love my bag.
04:07 This is Stella.
04:10 She's flexing her expensive online goods but she can't pay her debt.
04:15 Her face is so thick.
04:17 Thank you for the roses.
04:19 What's that?
04:21 Moses, Moses.
04:22 Hey, Jonad!
04:24 You still have a debt, don't forget.
04:27 Yes, I'll do something to pay it off.
04:29 Bye.
04:30 These guys are so strong in their debt.
04:35 But when they complain that there's no work to be found, they're crazy.
04:39 Hi, guys!
04:41 Welcome to my life.
04:43 Here's my first luxury bag, my DB bag.
04:46 It's worth P150,000.
04:48 And wait, I'll add another luxury bag.
04:53 It's on sale for P500,000.
04:55 I might run out of it.
04:57 Guys, I have gifts for you.
05:00 What's that?
05:01 Thank you for the roses.
05:04 Ice cream, nom, nom, nom.
05:10 Okay, I'll give you a taste of my nom, nom, nom.
05:14 Hey, Stella!
05:16 Get out of there!
05:18 Stop acting like a rich girl.
05:20 You're acting like a rich girl, you should pay your debt.
05:23 You're so stingy.
05:24 She's not here.
05:26 Oh, no.
05:28 Ms. Malasaki is looking for me again.
05:30 She's so unlucky and she's a pain in my life.
05:32 She's not here?
05:35 There's no one here but she's answering.
05:37 Hey, you animal!
05:38 Get out of there!
05:39 You were live earlier.
05:41 Show yourself if you don't want to face the whole barangay.
05:44 Hey, who's ringing the bell?
05:47 Why are there flowers and dead bodies here?
05:53 Dead bodies?
05:56 What?
06:02 RG No!
06:04 You're not on a due date yet.
06:07 Fine, you're not on a due date yet.
06:09 Wait for this, we'll kill your whole family.
06:12 I don't care.
06:14 Just accept our package outside your door.
06:18 And if you're not on a due date yet,
06:21 we'll post you as a scammer and steal your followers.
06:26 Hi, ma'am.
06:31 I'm just here to receive this delivery for you.
06:35 Hello, what's your name?
06:37 Ken.
06:38 Ken?
06:39 You're so pitiful.
06:42 Maybe you can give me a chance?
06:44 Ma'am, I cannot.
06:46 I'm just working in funeral services and I was just ordered to deliver this.
06:51 Aren't you going to accept it?
06:53 They're so shameless.
06:56 They're embarrassing my followers and my neighbors.
06:59 Why are you in debt that you can't pay?
07:04 I thought you're making a lot of money from your live-streaming.
07:09 I'm sorry, ma'am.
07:12 Well, it's okay.
07:15 It's sustainable.
07:17 But sometimes, my followers are pressured to flex their luxury items.
07:22 So, I'm just in debt.
07:25 But we talked about it.
07:27 Every single day,
07:29 why do they get in debt just for a week?
07:33 And excuse me, Ken.
07:34 How did you know my address?
07:36 Ma'am, to be honest,
07:38 we got your address from the database provided by this lending app.
07:42 Let me see.
07:44 There you go, Stella.
07:53 You agreed to their terms and conditions
07:57 that your contacts, location, and gallery can be accessed.
08:02 Huh?
08:03 I don't remember reading that.
08:06 There you go. Page 4 of 5.
08:10 Oh, my gosh.
08:13 Of course, I didn't read all of that.
08:15 It's too long.
08:17 Where did you get that app?
08:19 It just appeared in my live-stream.
08:23 This is Justin.
08:25 He's running out of money 'cause it's "pecha de peligro".
08:27 But he found "pa-utang galor" and "wada".
08:29 Problem solved.
08:30 Instant cash up to Php50,000.
08:32 Did you read the reviews of that app?
08:39 No, I had no time.
08:41 I was just live-streaming.
08:42 Okay, let's check.
08:45 One out of five.
08:47 My family's life is in danger.
08:51 One of them said,
08:54 "I was fired from my job
08:57 because I was embarrassed in front of my bosses."
09:00 I don't want to reach this point.
09:02 Please help me.
09:04 Here's what you should do.
09:05 Listen up.
09:06 First, uninstall that app.
09:10 Second, don't allow to access all of your apps
09:14 in your location, gallery, and contacts.
09:17 All of those are in the settings.
09:19 Can you sign my delivery sheet?
09:22 I have a lot of deliveries to make today.
09:24 I won't be locked up in my office.
09:26 I might get fired.
09:28 Just go back to your shop.
09:30 What happened to Stella is not new.
09:34 It happened in real life.
09:36 A borrower was delayed for a few days
09:39 by the delivery of Corona, Bulaklak, and Ataol
09:42 after being delayed for three days in paying.
09:45 That's why, my dear colleagues,
09:47 you should check the list of authorities
09:50 to see if they are qualified to apply for a loan.
09:55 Also, call the following hotlines
09:58 of the NBI Anti-Cybercrime Group or SEC
10:01 if you are facing embarrassment or risk in your life.
10:05 I'll get going, ma'am.
10:08 Thank you again.
10:09 But, Ms. Malasakit,
10:13 how did you know all of that?
10:15 You know, Stella,
10:18 not everyone goes online shopping
10:21 and binge-watches everything you can get online.
10:25 There are also good informative shows and content
10:29 that you can take lessons from.
10:33 But, do you know what taught me the most about lessons?
10:37 Experience.
10:39 My brother, Justin, and I are both in the gambling business.
10:44 I'm in online tongkits, and he's in online sabong.
10:46 And because we're running out of money,
10:48 we also started online.
10:50 We have our own account, selfie, and three co-makers.
10:52 We instantly cashed out.
10:53 We owe almost half a billion.
10:55 We made our family a co-maker,
10:57 or the one who will sign the insurance when we pay.
10:59 But we didn't know that our employees also got contacts.
11:02 We started an online lending app.
11:03 We chatted with our employers.
11:04 They made a group chat,
11:05 and we posted it on Facebook.
11:07 So, now, we're just pretending.
11:08 You're so mean, Ms. Malasakit.
11:12 Yes.
11:14 So, wait a minute.
11:16 I'll just call Agent DeJos.
11:18 We contacted him before when we reported to the NBI.
11:22 Yes, Ms. Malasakit?
11:26 Sir, we have a neighbor who got scammed again in the online lending app.
11:32 Can you talk to him?
11:34 Here.
11:36 Hello.
11:41 Sir, please help me.
11:43 Okay.
11:44 We asked for the details of the lending app
11:47 so that we can get a warrant and schedule a raid.
11:50 But, Madam, be careful next time.
11:53 Because since 2021,
11:55 our office has received 152 complaints against their OLA.
12:00 46 of these were filed in the first two months of 2023.
12:05 And as of August 2023,
12:07 41 online lending apps were downloaded from an app downloading website.
12:12 Please go to Madam Stella's office to file a formal case.
12:17 Thank you. See you.
12:19 Ms. Malasakit,
12:22 excuse me.
12:23 I'll just file a case in the NBI.
12:25 Wait, what about your loan?
12:28 Okay. Talk to you soon. Bye.
12:30 So, in times of doubt,
12:33 applying for online lending apps,
12:35 remember,
12:36 red flags are
12:38 Read the terms and conditions carefully.
12:41 Don't just agree with everything.
12:43 Read it carefully, even if it's a long one,
12:46 so that you can avoid harassment.
12:48 E. Examine the legitimacy of the lending agency
12:52 by checking it on the list of SEC-accredited OLA.
12:55 This is the website where you can see
12:58 the legally operating OLAs approved by the authorities.
13:02 D. Decide for capacity to pay.
13:05 If you can't pay from the start,
13:08 then don't borrow.
13:10 This is Jillian Ward,
13:11 and this is Andi Paras.
13:13 Be alert!
13:14 Don't be fooled!
13:15 This is the Facts Talk of GMA Integrated News.
13:18 ♪
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