@life.unfiltered334 — 85x breakout selling IDRP

@life.unfiltered334 — 85x breakout selling IDRP | Overshot

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IDRP (Interbank Debt Relief Program) ACTS: This is a program offered by banks to help individuals consolidate and manage their debts. It is the central subject of the video, with the creator applying for it and detailing the process and requirements. Removing it would change the entire video. Security Bank ACTS: Security Bank is identified as the lead bank for the IDRP application and is involved in the communication and processing of the application. Removing it would change who is handling the application. HSBC APPEARS: HSBC is mentioned as one of the banks where the creator has a credit card. Removing it would not change the core narrative of the application process. Union Bank ACTS: Union Bank is mentioned as one of the banks where the creator has a credit card. Removing it would not change the core narrative of the application process. BPI ACTS: BPI is mentioned as a bank where the creator has a credit card, and the creator discusses their decision not to inactivate it. Removing it would not change the core narrative of the application process. AUB APPEARS: AUB is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. BOC APPEARS: BOC is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. BDO APPEARS: BDO is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. Citibank APPEARS: Citibank is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. CBC APPEARS: CBC is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. EBW APPEARS: EBW is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. Equicom APPEARS: Equicom is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. Maybank APPEARS: Maybank is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. Metrobank APPEARS: Metrobank is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. PNB APPEARS: PNB is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. RCBC APPEARS: RCBC is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. Standard Chartered Bank APPEARS: Standard Chartered Bank is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process. UBP APPEARS: UBP is listed as one of the banks participating in the IDRP. Removing it would not change the core narrative of the application process.

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IDRP APPLICATION Inbox Cympre, bago makarating dito grabe na yung pagka anxious ko. Since nga working ako sa bank, takot na takot ako baka kasi isisip ko magka conflict. Pro ayun, ginawa ko kung anu ang sa tingin ko mas tama para Sa sitwasyon ko me Mar 16, 2025 to SBC Hi Ma'am/Sir, Good Day! I would like to apply for Interbank Debt Consolidation program, as I am currently experiencing financial troubles. I would be happy to provide the necessary documentation needed. Bago ako dumating sa point nato, na nag email ako, nilista ko muna lahat lahat ng utang ko sa cc. Para malaman ko ang totoong sitwasyon ko. Ito and unang email ko. My reply cla jan, kaya ng attached ako ng letter of intent to apply for IDRP me Mar 17, 2025 to SBC Hi Ma'am/Sir, Please see attached file for formal letter of intent to apply for IDRP SBC Collections Mar 18, 2025 to me Greetings from Security Bank! This is to acknowledge e-mail below. May we kindly confirm the card number you wish to apply for IDRP. Ito since Interbank Debt Relief Program nga, inask nla yung mga cards ko na e apply. Thankful ako at mabilis ang reply ng SBC collections. me Mar 18, 2025 to SBC Hi Ma'am/Sir All my SBC credit card, ending in and also my other credit card with HSBC and Union Bank. I also have with BPI - not activated. Yes po, kahit nd pa activated yung card, dapat padin e declare. Di ko tlaga inactivate ung BPI ko kasi ayaw na madagdag problema ko. Pro thanks BPI! Dear Sir/Madam, Application for Interbank Debt Relief Program I hope this letter finds you well. I am writing to formaly request consideration for participation in the interbank debt relief program due to my current financial difficulties. I regret to inform you that, as the primary breadwinner of my family, I have been unable to properly manage my credit card expenses, which has led to an unnoticed accumulation of outstanding balances. This situation has caused me significant stress and anxiety, and I am now seeking to take the necessary steps to address and correct it. Despite my best efforts to manage my finances, my basic pay alone has not been sufficient to cover my monthly expenses without the additional support of overtime pay. To further complicate my situation, I am anticipating the start of my maternity leave in April 2025, which will reduce my income even further. This upcoming leave will make it even more difficult for me to meet my financial obligations. I am committed to repaying my debts and consolidating them will help me stay on track with my finances during this challenging time. I would be grateful for your understanding and support, and I am happy to provide any additional documentation or information needed for this review. Here is the list of my Credit cards: Security Bank MC Gold Rewards Card Security Bank MC Titanium Card Hsbc Red Mastercard Union Bank Rewards Visa Platinum Other Loan - Personal Loan - Personal Loan Ito po yung letter of intent to co. Totoo tlaga ya lahat. Kasi yan ang situation ko that time. My declaration ako jan ng other 2 loans ko pa. Kasi need m tlaga ma disclose lahat. Thank you for considering my application. I look forward to your favorable response. Yours faithfully, This is regarding your request application for IDRP. Please be informed that Security Bank will be the lead bank. Please fill up attached application form and sign the terms and conditions. Each page of the application form and T&C shall be signed by the Primary Debtor. Kindly refer to the below instructions: (Please submit in PDF format) Ito po yung mga initial requirements. 1.) Application Form - Please fill-up and sign(handwritten) right side for all pages 2.) Terms and Conditions Form - Please sign(handwritten) right side for all pages 3.) Other requirements - 3 specimen signatures - 1 Government Issued ID - Most recent payslip/ITR/COE Approvals: - All your credit card privileges with all banks whether current or delinquent will be cancelled and shall be included in the program - All rebates and rewards maybe forfeited - Bank where customer has the highest outstanding obligation will act as the Lead Bank. Lead Bank will be in charge of facilitating and coordinating the application of the Customer. - Application will be evaluated and needs to be approved by all Banks where customer has an outstanding obligation. Pakibasa nalang po Legit ung sira ung credit score m dito. Pro iniisip ko nalang, babawi ako kapag na settle ko na ito. Natuto ngdnamn ako sa kung ano ang dapat. Kaya nxt time alam ko na accounts booked and have due ang gagawin. Reporting: - Banks shall report to the CCAP Negative File CCAP Board on a monthly basis accounts booked / defaulted in the Program. Pre-termination / Payment Default: 0. Customer may pre terminate the agreement by paying the remaining outstanding balance of all the accounts booked under the program. Pre-termination will not be allowed on a selective basis only. No pre-termination fee will be charged to the customer. 1. Program will be considered default if customer misses to pay the amortization for 2 consecutive months. The default criteria will be based on "default one, default all" policy. If customer defaults with one Bank, the IDRP arrangement with the rest of the Banks will also be nullified. Ito din, pg gusto m e pay off dapat lahat sabay2. D pwede ung 1/4 or 2/4 dapat lahat sabay e pay off. This is regarding on your request application for IDRP. Please see below proposal. The computation for your IDRP was based on principal balance across all banks with applied interest rate of 1.50%. Based on our initial evaluation, we offer of 36 months term, mode of payment (Cash). Due date is every 25th of the month, starting June 25, 2025. *Note: Please be informed that all details subject for changes At ito na un, ung provide ko na mga requirements, wingstart na agad r payad neto June 2025. Matatapos ako June 2028. Hindi tlaga cya madali, pro I belong malalagpasan ko din ito. At least now my peace of mind ako na dadating time makaka pay off na ako. LIFE, unfiltered Hindi man ito ang pinaka magandang option pra sa iba, sken kc that time ito lg tlaga pinaka option ko. Actually, pag via PDC ang mode of payment mo, mas mababa daw interest. Pro asa probincya kc ako that time wala mga bangko doon. real life. real feelings. real me. LIFE, unfiltered Ito yung mga banks na kasali sa IDRP AUB, BOC, BPI, BDO, Citibank, CBC, EBW, Equicom, HSBC, Maybank, Metrobank, PNB, RCBC, SBC, Standard Chartered Bank and UBP real life. real feelings. real me. LIFE, unfiltered Please continue to like, share and follow as I update my CC debt repayment journey! Salamat po. real life. real feelings. real me.

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