Language warning. Some parts may have offensive words. Please read at your own risk.
It has been YEARS since I last posted an entry here and it was all about TOTGA (the one that got away).
Since the last entry a LOT has happened. I got a job which I liked until now, fell in love and broken the heart of the same person (and got heart broken in the process) and had a literal heart problem (Cardiomyopathy) the Pandemic no one ever asked (screw the bat-eating people. Just kidding 😁)
Let's talk about my upcoming wedding to the person I love "M" (the one I broke heart and somehow got a broken heart from the same person as well) on a separate post.
The reason for this is what I encountered in the past year or so. I went to M's place in the province and I was out of money. I loaned through a some online loan app (OLA) for a quick buck since I needed funds to go back to our place in the city. These OLAs are notorious of enticing people to loan a certain amount of money but when you apply, you'll just get a fraction of what was the supposed amount.
Example, Php 3,000 for 180 days. They will charge you with 'interest' close to a third of it and various 'admin' fees. Ending amount you'll receive is about Php 1,500-1,600 AND YOU WILL BE MANDATED TO PAY ON 6 DAYS AFTER You received the money
I loaned since I needed the money and got no choice. Not knowing that 180 days is just a scam I just become relaxed. On the 6th day, I got notified to pay the loan. I kept relaxed due to the 180 day bullcrap policy they had.
On the 7th day which also happned to be payday, they bombarded me with phonecalls and threatening texts. I set my phone to ignore suspicious texts and blocked incoming callers who are not registered in my contacts.
All hell fucking broke loose. They called the numbers they asked as reference and worse, thoese motherfuckers have access to contacts and texted some people in my contacts which were not registered as references.
I paid that day as soon as I received my salary and vowed not to use these services.
There were tough times wherein I needed funds I did go back and did it again but made sure to pay on their stipulated time frame. Worst part, my personal greed took over from me. I loaned on multiple platforms cycling the payments until came a time, I wasn't able to pay some of them. Yes, I got drowned in debt by my own greed. To be honest, I loaned because everytime I went to my apt in the city to spend time with M, I needed money for transpo and food. I would always ask M out to eat at some places.
There came a point where we fought about it. I told M that I didn't want to make her feel bad if I cannot provide food and some stuff if I didn't loan.
I can't think of where it went wrong with those OLAs.
Now, I am just someone who was stupid enough to get drowned in debt with these people/platform.
I need a miracle. I need help. Sometimes I thought God abandoned me. But, I also remembered God will not challenge us to something we cannot overcome. I prayed and prayed for solutions but I didn't pray for forgiveness because I thought I was abandoned.
The future is in our hands. What we reap tomorrow is a result of what we sowed yesterday.