Arm yourselves with the following :
- BSP Circular 454
- SEC Memorandum Circular 18, series of 2019.
- R.A.10175, or the Cyber crime Prevention Act of 2012.
- RA 10173, or the Data Privacy Act of 20125.
- Revised Penal Code provisions on grave or light threats, grave or light coercion, or unjust vexation;
- Department of Justice-Office of Cyber crime public advisory dated 23 April 2021:
(a) accessing the debtors’ phone book/contacts’ list for purposes of sending them messages in the
event of untimely and/or non-payment;
(b) posting the debtors’ personal and sensitive personal information online for purposes of
shamingthem;
(c) threatening debtors with death and physical injuries if they fail to settle their account balances;
(d) using profane language through text message directly sent to the debtors and to the debtors’ references for purposes of shaming them.
Refer complaint/s to appropriate government agencies.