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Date: Jan. 12, 2023, 10:08 p.m.

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Date: 2023-01-13 09:30:11.000000

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Date: 2023-01-16 16:53:32.000000

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Loan Fraud

Published by Securities and Exchange Commission(SEC) on Jan. 12, 2023.
Requested from SEC by S. Morales at 10:08 PM on Jan. 12, 2023.
Purpose: Assistance
Date of Coverage: 12/01/2022 - 01/12/2023
Tracking no: #SEC-532034107672

J.PREMACIO Jan. 12, 2023, 10:08 p.m.

Hello po, Nakikiusap po ako at nanghihingi ng tulong. Nag apply po ako ng loan sa Kviku Online Lending App sa halagang 3,000 pesos. Hindi po nila ako pinakitaan ng kahit anong agreement. Hindi rin po nila ako pinapili ng duration ng repayment. Nagulat nalang po ako dahil na-approve na agad ang loan. Sinendan po nila ako ng contract at naka-indicate doon na mag babayad ako ng 9000+ sa series of payments. Nag-email po ako sa kanila na sobra sobra po itong charge na ito. Nagreply po sila sakin at sinabing 135 days daw po kase ang loan duration and may auto interest po agad kada due date.

I.GONZALES Jan. 13, 2023, 9:30 a.m.

January 13, 2023 Dear Junie, Thank you for your request dated Jan 12, 2023 under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch, for Loan Fraud. We received your request on Jan 12, 2023 and will respond on or before Feb 02, 2023 10:08:02 PM, in accordance with the Executive Order's implementing rules and regulations. Should you have any questions regarding your request, kindly contact me using the reply function on the eFOI portal at https://www.foi.gov.ph/requests/aglzfmVmb2ktcGhyHQsSB0NvbnRlbnQiEFNFQy01MzIwMzQxMDc2NzIM, for request with ticket number #SEC-532034107672. Thank you. Respectfully, Isma Gonzales FOI Officer

A.GUMTANG- REMALANTE Jan. 16, 2023, 4:53 p.m.

January 16, 2023 Dear Junie Premacio, Greetings! Thank you for your request dated Jan 12, 2023 10:08:02 PM under Executive Order No. 2 (s. 2016) on Freedom of Information in the Executive Branch. Your Request You asked for Loan Fraud. Response to Request To find out more about the specifics of your complaint, you may file a formal complaint with us by following the instructions below: 
1. To File a Formal Complaint Against a Lending or Financing Company Download and fill out the Complaint Form completely and accurately: https://www.sec.gov.ph/wp-content/uploads/2021/04/2021FORM_Updated-Complaint-Form.docx 
2. Provide the necessary attachments, namely: a. relevant documents and evidence that will support your claim/s or allegation/s ( e.g. screenshots of text messages and conversations with the financing/lending company); b. loan agreement (if any); c. valid government-issued ID; and d. evidence/proof that you have exhausted all remedies against the company concerned before filing your complaint with the SEC. 
3. Indicate the following personal information of the complainant in the complaint form:
a. personal e-mail address; b. personal contact number/s; and c. address (in the Philippines) where you may be furnished a copy of letter/s and order from the Commission. 
4. Use the below format in the subject head of e-mail in sending the complaint form to [email protected]:
COMPLETE NAME_RESPONDENT COMPANY _SUBJECT OF COMPLAINT (ex: JUAN DELA CRUZ_ABC LENDING_DISCLOSURE STATEMENT VIOLATION) 5. Submit one complaint form per respondent company. For more information, refer to this link: http://www.sec.gov.ph/lending-companies-and-financing-companies/complaints/ Your right to request a review If you are unhappy with this response to your FOI request, you may ask us to carry out an internal review of the response by writing to Commission Secretary at [email protected]. Your review request should explain why you are dissatisfied with this response, and should be made within 15 calendar days from the date when you received this letter. We will complete the review and tell you the result within 30 calendar days from the date when we receive your review request. If you are not satisfied with the result of the review, you then have the right to appeal to the Office of the President under Administrative Order No. 22 (s. 2011). Thank you. Respectfully, Atty. Rachel Esther Gumtang- Remalante FOI Receiving Officer

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