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ENFIL

Free Legal Form

Letter to a Lending Company

For a borrower whose lending company, financing company or online lending app is asking for a balance they think is wrong, or collecting through threats, insults or messages to their contacts.

From You

For example, by email at juan.cruz@email.com. You can ask to be contacted only in writing.

For example, 8 October 2026.

To

For example, ABC Lending Corporation. Check the SEC list if the app uses a different brand name.

For example, the QuickPeso app. Leave it empty if none.

The Loan

The number only, as "Loan Account No." is already printed. For example, QP-2026-0045123.

For example, 2 July 2026.

The amount that reached you, after any fees deducted up front.

Leave it empty if you have paid nothing yet.

Your Concerns

For example: You now demand ₱18,500.00 for a loan of ₱5,000.00 taken 90 days ago, made up of charges and penalties that were never explained to me. Leave it empty if you do not dispute the amount.

For example: Since 20 September 2026, your collectors have called me up to 15 times a day, called me a thief, and sent messages about my loan to my sister and my co-workers, who are not my co-makers. Leave it empty if there is none.

For example: I am willing to pay the principal and the interest agreed when I took the loan, in two instalments on 15 and 30 November 2026. Leave it empty to skip.

For example, ten (10).

What you type is kept on this device only, so you can come back and finish later. Nothing is sent anywhere. Press Clear to erase it, especially on a shared phone or computer.

your full name
your address

date

company name
company address or email

Subject: Loan Account No. loan or account number: request for statement of account

Dear Sir or Madam:

I write about the loan I obtained from your company on date of the loan, under the account number above, from which I received amount in words (₱amount received).

Statement of account. I request a written statement of account showing the principal, the interest rate and each fee, charge and penalty applied, how each was computed, every payment I have made, and the balance you claim, together with a copy of the Loan Agreement and the Disclosure Statement given to me when the loan was made. Please send these within number of days days from your receipt of this letter.

Please communicate with me only email or mobile number, and only at reasonable hours. Do not contact my family, friends, employer or anyone in my phone contacts about this loan.

If I do not receive the statement of account within the period above, I will bring the matter to the Securities and Exchange Commission, without further notice.

Very truly yours,

your full name
Borrower

Before You Print

  • Not legal advice. This is a general form. For your own situation, consult a lawyer, especially if your case is unusual or a lot of money is involved.
  • It does not need a notary to be valid. Sign it, and keep a signed copy.
  • Under SEC Memorandum Circular No. 18, Series of 2019, the Securities and Exchange Commission (SEC) bans lending and financing companies, and their collectors, from collecting debts unfairly. This includes threats, insults and swearing, sharing a borrower's name or personal information to shame them, lies or tricks, and contacting the borrower at unreasonable hours.
  • Disputing the amount does not erase what you really owe. Say what you are willing to pay, and keep paying any part you do not dispute if you can.
  • Keep screenshots of every message, call log and post, with dates and the numbers or accounts used. You can report harassment to the SEC, and misuse of your contacts or personal data to the National Privacy Commission. See the guide Debt collection harassment.
  • Send it through the company's official email or address, as shown on the SEC's list of registered lending and financing companies or in the app, and keep proof of sending.
  • If you are threatened with violence, report it to the police or the PNP Anti-Cybercrime Group as well.

For the steps around this document, see the guide Debt collection harassment.

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