Remove posts by lending apps and collectors

What to do right now

• Screenshot everything before it disappears: the post, the account or page that published it, the date, and the messages sent to your contacts.
• Copy the links (URLs) of each post, group thread and comment.
• Do not answer threats with insults, and do not pay a person who promises to delete the post: deal with the loan only through the app’s official channels.
• Warn your contacts in one short message that a collector is posting about you and that they can ignore or report it.

Shaming posts are prohibited

Public shaming is not a legal collection method in the Philippines, whether the loan is late or not:

• SEC Memorandum Circular No. 18, series of 2019 prohibits lending and financing companies from disclosing or publishing the names and other personal information of borrowers who allegedly refuse to pay, from contacting people in the borrower’s contact list other than named guarantors or co-makers, and from using threats, insults or profane language.
• The Financial Products and Services Consumer Protection Act (RA 11765) prohibits abusive collection practices by financial service providers and their collection agents.
• The Data Privacy Act (RA 10173) protects your photo, ID and contacts as personal information. The National Privacy Commission has ordered several online lending apps to stop processing personal data, or to be taken down, after shaming complaints.

We cite these rules in our reports to the platforms. We are not a law firm and do not give legal advice.

What lending app posts look like

• Your photo or selfie with ID posted with words like “scammer”, “wanted” or “magnanakaw”
• Posts in your barangay or town group, or on a page created just to shame borrowers
• Edited images that put your face on a poster or a fake warrant
• Tags and comments on the profiles of your relatives, friends or employer
• Your contact list, phone number or address published so others can harass you: see how we remove your phone number from Google

Facebook, Messenger and group posts

Most shaming posts are on Facebook. Meta’s Community Standards prohibit sharing the personal phone numbers, home addresses and ID numbers of private persons, and its bullying and harassment rules cover posts that target a private person with insults or degrading claims. We report each post, the page or dummy account behind it, and the copies in groups. When an image of you was edited to humiliate you, we add that ground too. More on Facebook procedures: remove Facebook posts about you.

Messages sent privately to your contacts through Messenger or SMS cannot be deleted from their phones. What we can do is report the sending account so it is restricted, and remove everything that is public.

How we remove lending app posts

1. Free assessment. Send us the links on Messenger or through the form. We tell you what can be removed and the price, before you pay.
2. Reports to the platform. We report each post, group thread and account under the right policy: privacy, harassment or fake account.
3. Google and copies. We ask Google to de-index any copy that appears in search results for your name.
4. Follow-up. We check each link until it is gone and watch for new posts from the same collector.

This service is part of our work to remove personal information. Packs are on our content removal prices page.

Evidence for NPC and SEC complaints

Removing the posts and filing a complaint are not in conflict. Before we report anything, we save dated screenshots and links of every post, so the evidence survives the removal. You receive this file and can use it for a complaint with the SEC (for unfair collection by a lending or financing company), the National Privacy Commission (for misuse of your personal data), or the PNP Anti-Cybercrime Group, with or without a lawyer. We do not file these complaints for you.

What we cannot stop: calls, texts and the debt

• The loan itself: we do not negotiate, reduce or cancel debts. Any amount you owe stays between you and the lender.
• Calls and text messages to you or your contacts: we cannot block them. Report them to the SEC or the NPC with your evidence.
• Private messages already received by your contacts stay on their phones. We remove what is public.