Camella Homes
Reviews and Complaints

Part of Camella's marketing strategy is giving away free gift checks (30K All Home GC) once you avail a unit. Come loan release, this committed GC was not given to us as they now insist that it is only applicable for Bank Financing. Our loan term is in-house, which now they say is not covered by this promotion. This was not disclosed from the onset, and not written in any document.

Bad work

The Management
Camella Gensan
Door 7 & *, Juduta Bldg,
J. Catolico Ave., Brgy., Lagao
General Santos City
 
Greetings!
I am writing this letter to request your good office for the waiver of my interest payments starting from January to July 2020.
Here are the facts of my case:
1.       I finished paying my P100, 0000.00 equity for Brielle Townhouse- Lessandra.
2.       I decided to continue paying my monthly payments from January to July 2020, thinking that this will be applied against my principal.
3.       In July 2020, I went to your office asking how to proceed with the loan or bank financing. However at that time, I was informed that BDO cannot process the loan since the house has not reached 5% completion.
4.       I asked the cashier if I can pay a lump sum to lower my principal. It was then that I was informed that out of the P10, 000.00+ that I was paying monthly, only 10% is applied to the principal amount, or roughly the interest comprises of 90% out of the total payments. I paid more than P60, 000.00 in 6 months, and Camella decided without informing me to deduct P55, 000.00 as interest.
5.       I told her, I was not informed about this, she said that this so called intermittent interest was just applied this year, 2020.
6.       I asked her if I can talk to the person-in-charge, but she said such person was not available.
 
Now I am asking for your consideration regarding these questionable interest based on the following grounds, to wit;
 
1.       No Consent from the undersigned.
 
There was no consent on my part, I have not consented to this intermittent interest, in fact I only heard it in July 2020, moreover, the broker who facilitated my transaction and who was with me at that time, didn't know either of this interest. Under the Civil Code of the Philippines, Article 1318 provides that there is no contract unless the following requisites concur, one of them is consent of the contracting parties.
 
Hence, there was no meeting of the minds because I have not concurred to this interest.
 
 
 
 
2.       The intermittent interest on the Contract of Adhesion, is obscure, and was never explained.
 
Now it may be argued that it is stated in your contract, but I don't have a copy of such contract, and this intermittent interest was never explained to me. I was told that everything will be explained once there is signing of the loan contract, which has not happened yet in my case.
 
In the case of Polotan v CA, GR No. 119379, the court held that, "a contract of adhesion is one in which one of the contracting parties imposes a ready-made form of contract which the other party may accept or reject, but cannot modify. One party prepares the stipulation in the contract, while the other party merely affixes his signature or his "adhesion" thereto, giving no room for negotiation and depriving the latter of the opportunity to bargain on equal footing."
 
In addition, "any contract which appears to be heavily weighed in favor of one of the parties so as to lead to an unconscionable result is void. Any stipulation regarding the validity or compliance of the contract which is left solely to the will of one of the parties, is likewise, invalid."
 
In this case, this intermittent interest is left solely to the will of Camella Homes Gensan, there was no explanation given or warning given to the undersigned about this clause.
 
Furthermore, the provision on this interest is obscure and ambiguous and not susceptible of reasonable interpretation. This is a technical term which is beyond the ken of an ordinary layman. I have already searched in "google", the term "intermittent interest", but I was not able to find its meaning.
 
3.       The 90% interest charge of the monthly payments is oppressive and unconscionable.
 
The legal interest rate in the Philippines is only 12% per annum.  Under Central Bank Circular No. 905, "the stipulated interest rates are illegal if they are unconscionable". The court held time and time again that interest rates may be voided if it is unconscionable. In addition, the interest is oppressive since the representative claimed that there was always this clause on every contract, but it was only applied in the year 2020, Camella never applied this interest scheme before to anyone. 90% of my payments was applied to interest while I was led to believe that I was still paying to reduce the principal
 
4.       Imposition of interest when there is breach of contract on Camella's part.
 
As far as my understanding permits, my obligation is to pay Camella Gensan the monthly amortization, and Camella for its part is obligated to construct the building. However, Camella started imposing penalties in January 2020, when in July 2020, it has not yet completed even 5% of the building. I was informed in July 2020, through their cashier that I have to prepare my documents for the loan in BDO, but at the same time, the loan cannot proceed, because the building does not have 5% completion.
 
Under the law, a breach of contract is defined as failure of any party to fulfill the terms of a contract without a lawful excuse. Clearly, since Camella was not able to fulfill its obligation, it committed a breach of the contract it made and should not be allowed to impose interest either for my alleged failure to sign a contract of loan, when in the first place, its non-fulfillment of the obligation, is the cause why I cannot proceed to process the loan agreement.
 
5.       Interest Imposed amidst pandemic
 
As earlier stated, it was only in 2020, when Camella started to implement this interest. The undersigned urge Camella to reconsider the implementation, because the whole world is experiencing the effects of COVID-19 during these times, particularly, the City of General Santos implemented a hard lockdown from March to May 2020.
 
6.       Good Faith of the undersigned
 
The undersigned fulfilled the payments, and even offered to pay a bigger sum to reduce the principal amount. If I have been aware of this intermittent interest, I would have not paid to Camella directly, and waited for the bank and Camella to finalize the loan agreement. That way, Camella would not have been able to impose such interest, and the payment I made could have been paid directly to the bank as lump sum to reduce the principal.
 
Before the issue of interest, the undersigned has been consistently trying to contact Camella and paying the obligations. It was only after knowledge of this interest scheme, that made the undersigned disappointed for lack of understanding and action on Camella's part.
 
7.       Breach of contract
 
It was established that Camella failed to complete 5% of the house unit, thereby, making it the sole reason why the undersigned cannot proceed with the loan
 
I feel like this interest scheme is a scam that should be look upon by the administration. I believe that prior to advertising an affordable home, Camella should inform their buyers of such policy as to avoid future conflicts with the would-be buyers.

P55, 000.00 as payment for interest, which is not even my fault, since Camella did not build a house yet so how can I contract a loan, is too much. P55, 000.00 might be nothing to you, but for me, a mere government employee, this is 3 months of hard work.

However, at this time, the undersigned is willing to settle, cooperate and proceed with the signing of the loan contract once the interest, subject of this letter is waived. However, if this is not possible, I would also like to exhaust all my administrative remedies, and if need be, I would like to seek the remedies offered by the court of the Philippines.
 
I believe that in line with Camella Homes' vision/mission to create home opportunities for thousands of Filipino families by setting standards in quality and service, and as such, if anything can be resolved in the administrative level, would be resolved to protect the said home opportunity being offered to the undersigned.

You may contact me through my phone number: [protected] or you may visit my office, Assessment Section, BIR Bldg, Cr. Pendatun Ave., Laurel St., Dad. North., General Santos City, 9500.
 
Praying for your kind consideration.

I have a unit in camella leyte this is in house facility payment. My loan is matured already last may 2020 after 10 years, I dont have any pending payments. Until now I am communicating with china savings banks but they keep on changing requirements that until now they are not releasing my original loan documents.?

Cbs doesnt have the copy of my camella cts? What a bank. And when I asked them a copy of my cts they have my condo cts which is never connected with my loan? The bank answered if the developer doesnt have the cts they make a new one! Whatttttttttttttttttttttttttttttttt?

Now, I am asking help on the developer which is the camella leyte but they are ignoring my enquiries. They answers enquiries by ages and when they do, they are out of topic.

Are they still have obligation on my - unit?

Ms arfe used to answer my enquiries but not she was transferred to cebu and she informed the representative which is ms melodie but seems none of them are capable.

Actually this is not the 1st time camella, I regretted buying this unit from camella - a lots of problems after the down payment until now, not only that, I have wasted a lots of time and money throughout the course of my whole complete payments.

For me, I want to know everyone who want to take any camella units - please study first. Camella they are not worth. After they got the targets and sales. They dont care at all. Specially to those people in the office. Seems lack information and a mixed of arrogants. I am not saying all of them. I pity those who are working hard few of them only camella is hiring.

Pwede ba yun, since na pare pareho tayo ng complaints about

- no house construction for 3yrs
- naniningil ng interest with penalty

My adviser told me to file a case or complaint sa hlurb.

Now, can we all or most here ay magsama sama, or people power ba,
Na sabay sabay tayo magcomplain sa kinauukulan,

Since this is parang comparable to mass estafa?

Can we create a group or something?

year 2019 bago po kami umalis papunta ng Thailand naka kuha kami sa camella bulakan bulakan, nag down kami 15k tapos binayaran namin hanggang 2020 ang down payment, sabi uumpisahan last year tpos nagka pandemic hanggang ngayon wala padin nasisimulan. Pwede na po ba tayo mag pa tulfo? Madami na pala talagang complain laban sa kanila.

Akala ko nung una pag sa Camella ka kumuha ng bahay, wala kang magiging problema. Malaking company eh, but somehow awa ng Diyos mula nung natapos namin bayaran ang DP puro sakit na nang ulo ang nakuha ko. From the delayed construction to a nakakaubos ng energy na account/admin officer na may hawak sa amin. Nakakapeste lang. Kung d ka masigasig magfollow up kung ok na ba bahay mo, d sila mag uupdate. Bayad na ng bank namin ang HL, and now we are processing the refund ng overpayment namin worth 120k+ pero awa ng Diyos wala pa din. Guess what, kung hindi pa hinimay ng kapatid kung CPA yong ledger na binigay sa amin, d ko pa malalaman na may overpayment na pla kami. March nagfill up na ng application para sa Meralco, and sa kamalasan, natengga sa Alabang yong form. Expected mo tumatakbo na ang 60 days mo. Yun pla, inaamag na sa opisina ng kung sino mang nagreceive nung application form namin. Tonetoneladang bato na yong pnukpok ko sa ulo ko mula nung bumili kami sa inyo ng bahay. Wala kayong concern sa mga customer ninyo. Yong after sale ninyo, kung may rating lang na Zero, d lang isa bbgay ko.

Hindi sila mkpagbigay ng breakdown ng 20k admin charge na guato nila ibawas sa dp namin dahil ngpptransfer na kami. At complete na ng reqts c new buyer. Ang sabi is transfer fee lang and reqts. Ngaun gusto pa nila ulit bawasan un dp ng 30k. Tinatae ba ung pera? Napaka bulok nyo naman CAMELLA

Our drainage in camella homes taal batangas are all cloging ..we cant use our comfort room .because all the water in drainage are going to our safery tank..pls do some action regarding this matter

Our unit was turned over last year and we processed and paid the installation of meralco right away. I think it was around January 2021 when the meralco meter was placed since then I have been religiously following up with the HOA Admin and Camella main office as to when will they tap the electricity inside the house. The wire connecting from the post to inside our house is still not connected. I escalated it to HOA and then to Camella main office but I have been tossed around to different people but at the end of they day still no update still no electricity.

Yung pagkuha nitong unit feels like kumuha ako ng batong ipupokpok ko sa ulo ko sa dami ng issue at walang direksyon. After mo magbyad iiwan ka nalang sa ere, figure out mo paano mo hahabaan pasensya mo sa mga Camella officials, engineers and admin na pagpapasa pasahan ka na lang.

Hoping this will feedback will reach those people in charge and get my request for electricity tapping done.

We started paying for Camella Cielo in San Jose del Monte, Bulacan last April 2018. Our unit is Criselle- block 16 lot 24. It was a pre-selling then. But they said that you can move in once you completed the downpayment. It's been 3 years now and yet no house has been built. We are already paying for the house. They did not give us a follow-up unless we ask for it, or most of the time, no reply at all. They keep on giving us the same reason that the land is not buildable yet; They even reason out the pandemic. But the ECQ happened only last year. Two years passed during that time and yet even the land is not ready. Now, they want us to pay with interest.

I paid my unit last feb 2017... And until now, camella management cannot give me my title. They said it was lost and it is in the court for the title issuance. As far as I know, it took 6months only for the re-institution of title. But until now, they still keep on tellimg me that its still in the court. Sometimes, I suspected that they use my unit to get loan from the bank. Though, I cannot confirm it yet in hlurb because I am an ofw.

CAMELLA HORROR STORY pa rin 2021 NA.
I acquired preselling property last 2018 and paid extended DP until now walang construction, 2021 na. Sinasabi pandemic daw kaya nadelay yun pala ganito na talaga years ago. Biggest mistake of my life talaga. Trying ako na marefund almost 300k and they are offering 50k and mind you sabi pa financial assistance daw ng mgt. OMG Unbelievable. Sana po may magconnect sa inyo na may case or makahelp. Scam po talaga ang Camella, Camella Provence Malolos po kami.

The checks issued was lost..no action ayaw makipag usap ng maayos puro wait until now hindi parin tapos yung unit hindi raw nagbabayad eh nasa kanila mga checks nawala nila tapos kami pa mag pepenalty. Sa camella alta silang. Anyone na pwedeng maka usap. Wala bang number na pwedeng tawagan. Gusto ko taong makaka usap hindi email o chat mahirap mag explain.
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AO justine joyce iglesia and Rochelle fernandez

A year ago, e purchased a unit in Camella Pampanga Lot 9 Unit 14. I am an OFW and have lived in my unit for only at least 2 months within the year. Few months ago, our caretaker informed us that yung sementadong pasamano sa second floor e kusang bumagsak at nabasag mga paso sa ibaba. This was reported to the Eng Mayjane and Precious Legaspi Manger of camella admin in Pampanga. But no action weas taken till now.

This 14 March our caretaker reported that while washing his hands on kitchen lavatory, nagbagsakan daw po mga tiles ng libabo. We presume na malabnaw po ang timpla ng sementong ginamit kaya nagkaganon. Kung ganon po may possibility na maaring ding bumagsak ang kisame. Ang dinding po sa may libabo ay nabiyak din. This is very dangerous po. Buti na lang at wala pang nakatira doon. Napaka low standard naman po ang ginamit sa conetruction ng bahay. Paki check po t seryosong bagay po ito bago pa may maaksidente o mamatay.

My email address po ay [protected]@gmail.com. Cel no. [protected]. Baka po pareho din kayo ng staff ng camella pampanga na walang sagot at hindi sumasagot sa tawag. Pag nagka ganoon ipost po namin sa FB ang complaint namin at baka may tumawag pansin kay senator villar. Salamat po.

Stay away from this company! They're bunch of crooks! Think thousands of times before making any transaction with them.
Eto yung literal na bato na ipupukpok mo sa ulo mo.
Staff are incompetent and unprofessional.
We lose money because they misinformed us and yet they didnt even honour their words. And take note not even an apology!
Bring your business elsewhere. Search camella's reviews online for your reference.

Yup. You're welcome!

Until now wala pa din water. Need to go to the clubhouse para kumuha ng water. Daming problems sa designs ng house from wood na design sa harap ng bahay na nahuhulog pati yung pipe na mali maling designs pag malakas ulan bumabaha sa toilet at dirty kitchen. Kadiri baho need pang maglimas. Yung admin staffs lalo na yung engineer hindi ma contact at hindi humaharap pag pinapatawag. Camella baliuag improve niyo yung customer service niyo. Homeowners kame pero parang mas gusto niyo kame pa sumunod sa inyo. Sigh.

Its been almost 3 years pero wala pa rin tubig sa phase 6 ng camella baliuag.. puro pangako.. mga nakatira nga sa camella nag iigib naman.. karamihan samin ofw ang asawa so sino nag iigib kaming mga misis.. nagbuhuhat ng mabigat everyday! Ano ba naman camella! Nagbabayad naman kami ng tama pero pinapahirapan nyo. Napkabagal mag linya ng tubig. Pila balde na nag iigib sa clubhouse nyo. Homeowners nagiigib! Terible!

They send me a computation of my bill with penalties that is equivalent to my downpayment (my unpaid downpayment is 251, 916 pesos and my penalties is 248, 226.48) I was unable to pay my monthly downpayment due to lockdown here in Kuwait..