Concern:
I was scammed online by Kapit Bisig Lending Corporation.

∇ Legal Contemplator

Alright, let’s start with the basics. The situation involves being scammed by an online lending corporation in the Philippines. This raises numerous questions. First, what kind of scam was involved? Was it fraudulent lending practices, like charging excessive fees or offering loans that were never delivered? Or was it identity theft, where they stole personal or financial information? Understanding the specific nature of the scam is crucial.

What are online lending scams generally like?
Online scams by lending corporations often involve one or more of the following:

Fake loan offers that require upfront fees.
Overcharging interest rates beyond legal caps.
Misrepresentation of terms and conditions.
Harassment tactics to extort more money.

In the Philippines, lending corporations are regulated by the Securities and Exchange Commission (SEC). This is an important regulatory body to consider. If Kapit Bisig Lending Corporation is operating without proper authorization, it would be a critical breach. But what if they do have a license? Could a licensed company still engage in scams? Perhaps the fraud is localized to certain employees or practices rather than the entire entity.

Is Kapit Bisig Lending Corporation legitimate?
I should research whether this entity is duly registered with the SEC. Registered companies are required to adhere to the Lending Company Regulation Act of 2007 (Republic Act No. 9474) and SEC regulations, including the Fair Debt Collection Practices. If they are unregistered, their operations are immediately suspect.

Could the scam be categorized as estafa (fraud)?
Under Philippine law, estafa can involve deceiving a person into giving money or property under false pretenses. This might apply here. But what evidence is available? Is there documentation, such as receipts, contracts, or screenshots of communication? Establishing proof of misrepresentation is essential in proving estafa.

But what if they were harassing me instead of scamming?
Many fraudulent lending companies harass borrowers through illegal debt collection tactics, such as public shaming, blackmail, or threats. The SEC has been active in penalizing companies for such behavior. Still, proving harassment would involve compiling records of communication or witness testimony.

How should I approach this?
Filing a complaint with the SEC seems like a logical first step. They handle violations of lending laws and can investigate unregistered entities. But would filing a complaint with the National Bureau of Investigation (NBI) or the Philippine National Police (PNP) Cybercrime Division be more appropriate if the scam involved identity theft or significant financial losses? The choice of agency depends on the specifics of the scam.

Is there a clear path to recovery of losses?
This is tricky. If the scammer is an unregistered or fly-by-night operator, recovering money might be impossible. Legal action could help if they are registered and still operational. But this raises another doubt—would pursuing legal remedies cost more in time, energy, and money than the amount lost?

Let’s consider another angle: collective action. Have others been scammed by this company? If yes, forming a group complaint could amplify the chances of justice. Social media or public forums might provide clues about other victims.

What about preventive measures?
If Kapit Bisig Lending Corporation is still active and engaging in scams, notifying others is crucial. Reporting them to consumer protection agencies like the Department of Trade and Industry (DTI) or the Bangko Sentral ng Pilipinas (BSP) could help protect others. Could I publish an awareness post online without exposing myself to libel risks? I should investigate how to frame such posts lawfully.

Final Thoughts
There are many uncertainties here, but the best immediate actions seem to involve filing complaints with the SEC and possibly the NBI. Gathering all possible evidence is vital, as is researching the company's legitimacy and whether others have been affected. While pursuing legal action may or may not result in recovery, reporting the scam could prevent further victimization.

Final Answer:

Verify if Kapit Bisig Lending Corporation is registered with the SEC.
Gather all available evidence, including contracts, payment records, and communications.
File a complaint with the SEC if the company is unregistered or violating lending regulations.
If the scam involves identity theft or significant financial loss, consider filing a complaint with the NBI or the PNP Cybercrime Division.
Explore the possibility of forming a group complaint if others were similarly scammed.
Report the company to consumer protection agencies like the DTI or BSP.
Consider creating a public awareness post while avoiding defamatory statements.

This process is iterative and may require revisiting assumptions as more evidence comes to light.