Extending credit covers the whole of credit processes and procedures - from initiation, evaluation, account management, remedial management, until it goes a full cycle. Somewhere along the way, there are mistakes and weaknesses, thus, an account turned sour. But a loan does not deteriorate overnight. There are "red flags" - warning signs. Early intervention is a must - remedial management. That's what Account Officers are for.Good. Some CC accounts are able to identify these early warning signs themselves and try to renegotiate terms. But there seemed to be a dearth of properly trained AOs out there. Here's a sample of what we used to write :
dear account,
this is with regard to your account which we noticed lately is incurring delays.....
.....if payment is a problem , we would like to discuss it with you and perhaps we can work out .....
In contrast, one would now get the following letter:
dear account,
... we will file a case against you for violation of RA 8484 blah...blah..blah...
Omigosh! the poor guy can't pay. Debt is a finance problem. This is not a legal problem. You could have identified earlier a deteriorating account had you done your job. Or are you sleeping on your job?
Mabuti pa Si Judge, alam ito.
now i know na di legal case ang cc debts na unpaid.
ReplyDeleteYoure right banker, katulad ko,first time na di ako nakbayad, tell ko na agad sa agent wala kong pangbayad pero may amnesty naman daw, in which pala di naman amnesty, kasi dagdag pa din ng malaki interest.e alam naman nila na di na makabayad e pbayaran pa sa yo ng full, then pag di file na daw ang case!DI sana from the start na di na nga makaupdate monthly i stop na nila incurring interest para kahit paano pag nagbayd mababawasn...e DI e!!!mga Ganid sa pera!!!lubog ka na nga pinupukpuk ka pa para di na makalitaw at makaahon!!
Hay naku..sana noon ko pa nabasa itong Blog ni Banker, dami ko ding hinahabol na payments para di ako maksuhan tapos pag di ako naka update ,interest agad ang katapat nun.pag nagbayad naman di nababwasan kasi may hidden charges pa din. tagal ko nagpaloko sa mga ito!!!
Salamat na lang talaga sa inyo Sir, na lighten up ako, ngayon di ko na muna sila priority, talagang gipit eh, nakakatulog na din sa gabi na di ko sila iniisip.BIG HELP talaga si Sir Rene.
Thank you po talaga....
Sir, Ive read na may DISKARTE SA CELLPHONE CALL kayo na di pwede sa blog, pls. share it to me too...
ReplyDeletewait ko po ha,
mryannxen@yahoo.com.ph
hi sir, i've been a lurker for quite some time and was impressed of your legal advice. i hope you could also help/enlighten me on my problem...
ReplyDeletei have a laundry business, and i got the machine from a certain supplier through loan scheme. i've made 50% deposit amounting to 130K with the remaining 130K to be paid for 24months. they've got very poor customer/technical service kaya madaling nasira ung mga machines. actually i've got all of them repaired, with most of the parts replaced & hindi man lang ako nakinabang sa warranty program nila. this prompted me to stop paying the remaining balances. i have paid almost 35K pa. after quite some time, they showed up again threatening to pullout of the machines. at first, i was reluctant pa to surrender it to them pero since hindi ko na rin naman ginagamit because i bought new machines, i decided to give it to them. pero until now hindi pa rin nila kinukuha. the problem is they just told me na nagsampa na raw sila ng case against me. though hindi ko pa naveverify if that is true kasi i haven't received any demand letter & have no time to verify it sa NBI. is it possible? if so, manunullify ba yung case since i'm willing to surrender the machine?ano process dapat kong gawin?
my gut-feel told me na puede ko rin silang idemanda pero as much as possible i don't want to go to that option since naka-move on na ako. i am more concerned on the case they filed against me since i have plans to travel abroad in the future.
Hi Banker,
ReplyDeleteI have a question. This collector from Atty. Paulino Cases texted me yesterday and told me that they will file a case against me and advised me to call them, of course I didn't believe that tactic. I replied and told him/her to send my SOA to my home address, he said they can't do that anymore coz the bank will no longer issue one coz my account is already delinquent. He said I have 29K worth of cc credit with HSBC and if I pay they will just require me to pay 10k...that's cool coz I need to be honest out of the 29k I really spent the 20k due to my bad spending habits, I really owe them, 10k is really a good deal if ur going to think of it. They are the 2nd agency who tried to collect from me I am a graduate of Domingo Molaer, DM stopped bugging me after I complained to HSBC.
I am thinking of paying,but I don't want to pay 10k, I can pay them a maximum of 5k that's it. They said they are going to email the proposal to me, I gave them my email but there's none.
Also, somebody called my parents house (I no longer live with them) Charlie Francisco from Peca Parcel (kuno) phone number 817-5165 and told my mother that I have a package from abroad. I have a brother in Kuwait hu said he's sending me some package so I thought that's it, I called and they said I have a parcel of documents coming from HSBC (demand letters) I told Charlie to send it to my home address, I even volunteered to get it from PECA (kuno) directly when I asked for their office address (coz he said they are located in Makati) coz I said I can dropby to get it from them, he told me to coordinate instead with Paulino Cases and gave me Atty. Cases' office address.
What do you think is the best solution? Like what I said I have 5k max to pay but that's it. I am already resigned and I have no pending applications yet, Im thinking of this diskarte: tell them I can pay 5k max coz I have no work and no means to pay. If they don't accept my offer I'll just say ok sue me coz the judge will see that I have no work and no means of paying but still I offered 5k but u refused...
What do you think???
Thanks.
Teresa,
ReplyDeleteplease take a look again at your agreement. there are guidelines there on what to do in case things like you cite happen.
Is it a Trust Receipt Agreement?
Maybe what you can do thereafter is to write formally, addressed to the company about your intention. send it via registered mail with receipt for your own safeguard.
Hi Banker,
ReplyDeletePahabol, I just received the email from Paulino Cases collector however it shows that the amount that I owe them is different from the amount the collector mentioned yesterday.
She texted me and asked me to fax it today, haller 10k in one day...
Here's the letter:
Dear Ms. ______:
This is to confirm the payment arrangement of your outstanding balance of THIRTY THREE THOUSAND SEVEN HUNDRED SEVENTY EIGHT and 89/100 (Php33,778.89), arising from the use of your HSBC VISACARD No. 4028-9200-0571-3259. It is agreed that the said amount shall be reduced to TEN THOUSAND and 00/100 (Php10,000.00) PESOS, provided that full payment thereof shall be made on March 28, 2008. The certification of full settlement shall be issued upon full payment of the obligation.
However, this arrangement will be nullified upon failure of payment on the date above- mentioned and an additional thirty-five (35%) percent interest and twenty (20%) percent attorney’s fee shall be added on the total outstanding balance. Should the foregoing be in accordance with our arrangement, please signify your conformity at the space provided and send this letter back to us to serve as our arrangement.
Very truly yours,
HARRIS CAALIM
Legal Account Executive
I texted her and told her that the amount in letter differs from what she mentioned yesterday, therefore I am requesting for an updated SOA.
I also told her that I need the SOA sent via mail not email and that needs to be sent in "my home address" and that the address they have on file is wrong. I changed the mailing address I think November and even HSBC used to send me letters on that address, I'm guessing the reason why they still have my old address is because they didn't get my details from HSBC but from Molaer.
Thanks again.
chikit,
ReplyDeletehow can you settle your debt when they cant even settle the issue of "how much?" ^-^
disregard...delete...dedma...
Dear Banker,
ReplyDeleteI happened to read the email threads about the nightmares of other people like me and I'm so thankful that I found and learned from all your advices.
Going to my case, my 2 credit cards (BPI and AIG) were stolen and used by the thieves sometime in Sept 2006. I called up the bank as soon as I knew that my wallet was missing but of course it was too late already since the thieves had purchases already. While reporting the loss of my card to AIG customer service, the representative even told me that there was an ongoing transaction which she denied. I was telling the representative if she could contact the merchant to alert that the person using my card was not me and if she can get arrested. The representative told me that the it was not possible since it's not their SOP. In other words, the illegitimate purchases got into my bills. I emailed both BPI and AIG disputing the purchases but to no avail. They were insisting that I have the full responsibility of taking care of the credit card and that all purchases will be treated as legitimate until they receive a loss/stolen card report. BPI still sends me the bills up to now with the ballooned amount. It was AIG who gave my record to Domingo and Molaer Law Office. I am being pestered (calls and visits) by this "law office?" since November 2007. In the fear of getting harrassed, I don't answer the phone anymore and told my helper to tell them that I am in the province and will not be back for quite some time. Several visits have been made also.
Please help me on the best diskarte to wade them off.
Thank you so much and more power to you. You are really helping a lot of people.
From
Stolen AIG card girl
Stolen AIG card girl,
ReplyDeleteHi there, I used to be with DM I was so happy na I was able to get out of their sight, un nga lang I think they sold my info to his "Atty.Paulino Cases".
Eniwei about your question, I guess what you need to do is to be firm, don't sound too soft as a cotton candy, ako kase what I did when Banker told me na they (DM) should not divulge to anybody na I have utang and that they should not harass my parents because of my utang coz it's not transferrable, I texted them and tell them that the next time they do that I'll file a complaint (BSP) I also emailed the Financial Manager of HSBC, you could probably do that but in your case na it seems even the bank doesnt care, I suggest go to BSP. Up until now I'm still being bugged by the new collector, I'm still doing the same diskarte...letting them know that I'm not stupid, that I know my right...I even have a printed copy of the BSP Circular governing banks, credit card companies etc. Next time na masama ang banat nila sken babasahin ko s kanila ang circular na yun...hehehe
I hope that helps kahit papano.
I rec'd atext from a certain Collection agency saying pag hindi ka pa naka bayad today, malaki ang problema mo kasi sa monday nasa legalna ito. i called the agency and asked ko kung anong case ang ifile sa kin..sinabi na RA 8484 daw.sabi ko puede ipaliwag kasi iba ang alam ko sa pagdating sa RZ 8484.she said something na meron na raw order ng banko sa kanila na puede na silang magfile ng case sa mga clients..and i was like..what the hell...sabi ko i'll talk to my lawyer..and all of a sudden sinabi nya na " maam puede naman natin pakiusapan yung lawyer namin dito" and i answered..if you want to file a case against me then go ahead..i'll see you in court!..Im so pissed with these collectors..to think na 20k lang naman ang utang ko. duh!
ReplyDelete205zdg,
ReplyDeletedaming diskarte.
one is chikit's suggestion - write bsp about the harassment, cc: the bank president.
two - check the chapter "The Harassment process- the calls/visits"
three - write, not call, about the dispute( may form yan)
four - disregard...delete....dedma
taray,
ReplyDeleteI think you can make habol sa graduation ngayon ( ng mga CC victims).
congratulations! nice diskarte.
hi banker.. it's a good thing meron po kaung post na ganito sa blog ninyo.. Alam nio po this is my first time sa ganitong situation..good payer naman po ako kaso nagkaproblema po ako sa health tapos na confine po ako sa hospital ng 1 week eh almost 4 months na akong di nakakabayad dahil nahihirapan na ako magwork.Saka although me work ako hinde pa rin sapat ung kinikita ko dumami ung bills ko ska nagipit tlga ako dahil instead na magbayad ako sa cc's pinamambili ko ng gamot ko.Nakarecieve po ako ng phone calls sa cell ko kaso nagkaton namang cira na tlga cell ko dahil almost 5years na phone ko at hinde ako nagpapalit ..whehe..e2 na po ang problema.. after 3 or 4 months nakareceive ako ng text from collector stating my name vs METROBANK .your litigation file no. 7***=* . under fiscal churva(*hinde ko na po nilagay uing name),RTC 31 subpoena will be serve by sheriff velez /spo1 chenez(*chika lang po ung last name/iniba ko lng po ) for violation of R.A 8484 & sum of money with prayer for writ of premilinary attachment.you are being summoned to appear in court .Coordinate w us @67*****and look for ETChing churva(iniba kolng po ung name..
ReplyDeletetapos po eh natural po kinabahan ako.tinawagan ko.. kasi tumatawag sa tita ko at pinapahiya pa ako ,sabi nakinanabang ako at bat hinde ako magbayad. inaamin ko naman na tlgang nakinabang ako kaso hinde ko tlga mababayaran eh lalo na ngaun na dating 19k lng sya tapos naging 33 k na dahil sa interest at kung anik anik na charges. Banker 3 po ung cc ko pero sa METrobank lang tlga ako naharass ng ganito. hinde ko pa rin po nababayaran ung BPI at citibank ko. Pero gus2 ko rin po silang bayaran kaso lubog po ako sa kumunoy sa ngaun.
Tapos hinde pa po nakuntento ang Metrobank sabi sa akin ng collector magbayad daw ako ng 10 k para atleast hinde dumadagdag at maging 33 k ang babayaran ko. eh nakareceive po ako ng letter naging 33k na utang ko.tapos sb ko hinde po ako makakabayad ng hinihingi nia dahil ang cnusweldo ko lng hinde sapat para ibigay sa kanila . Aba sinigawan ako syempre po tao lng ako sinigawan ko din sya. Sobrang bastos na parang walang pinagaralan ung kausap ko.
hanggan ngaun hinde pa rin po ako nakakabayad dahil wala tlga akong pambayad.
Nakatanggap po ako ng letter from associates na un.
eh nakalagay magbayad daw ako ng atleast 25% as a cardholder's agreement tapos po me nakalagay pa na ""We refer you to the cardholder's agreement w/c you signed ,where you agreed to pay for late payment charges for any unpaid amount on due dates and likewise forfinanacial charges if the account is not paid in full.As a part of the agreement w/c you signed and accepted , you are obligated to pay the costs of collection and/or legal fees equivalent to 25% of the unpaid outstanding balance inclusive of all charges if and whent he colletion of unpaid or past due accounts are referred to a collection agency or law firm and/or enforced through court action.YOu willfully and with intentionally failed to pay your said account,in violation of the card holder's agreement,even after repeated demands for payment.We arre thereore formally serving this demand for you to pay your unpaid accounts,including all the charges within 5 dyas from ur reciepthereof. If the evcidence warrant ,we may be contstrained to criminally prosecute you for violation of RA 8484 fraud against creditors or at the least civilly charge you for collection ofsum of money with prayer for attachment ,before the proper courts ,in order that you maybe penalized with imprisonment including the recovery of all legal costs plus 25% for attorney's fees w/o further notice. This is our last and final demand before the filling of the collection suit against you."
Sa totoo lang po natatakot na ako. Ninenerbiyos ako sa mga ganito. Ilang buwan na po akong napaparanoid bka hinde po ako makapagabroad or hinde ako matanggap sa ibang company. Bka po magkarecord po ako sa NBI. Banker I'm too young to go to jail. Hinde pa po ako nakakapagasawa. Me tumwag nga po sa akin for interview sa work sa states kaso hidne ako nakapunta sa sobrang kaba ko baka pagnatanggap ako makita nila na me record ako. paano po to. Sa totoo lang po last week pa ako hinde nakakatulog. Araw araw po akong ninenerbiyos.Ayoko po kasing mapahiya sa office bka dun po dalhin ang warrant of arrest ko or subpoena,Ung company po kasi namin masyado silang sensitive sa integrity reports. eh baka matanggal ako sa work pagnagkataon.gusto ko po malaman kung sa office po ba nagpapadala rin sila ng subpoena?ska makukulong po ba ako? Sakapara saan poung recordings nila?Alam ko po nagpost na kyo about sa ganitong scenario pero BANKER please answer nio po ang query ko kasi po kita nio naman sa post ko hanggang ngaun ninenerbiyos ako gus2 ko lng pong manggaling sa inio ung sagot para makampante ako kahit papaano.bali po ang utang ko sa bpi asa 26k ata tapos ung sa citibank asa ganun din po 27 k. lumaki na lang po yan dahil sa interest.pero before asa 17 at 19 lang po cya. saka po ung sa metrobank ko.. Sana tlga banker masagot nio po ngaun ung mga questions ko.kinakabahan tlga ako.Pwede po ba nilang ilagay ang mukha ko sa newspaper? or sa internet? natatakot po ako.. ayoko po talgang maiskandalo.. =( naiiyak na naman po ako..=( please help me po banker..
to_scared_to_handle
ReplyDeletehi, i understand how you feel, don't let them control your life. don't be scared, banker will be helping you so are we, mas sobra pa ang utang ko sa cc kesa iyo. i suggest you go over the postings here and advises of banker and follow the suggested rule. I have 10 cc na default lahat and i have2 cc na over 100k ang balance. Nakakatulog ako ng mahimbing after i realized that they are not worth worrying.
too_scared_to_handle,
ReplyDeleteFear is the absence of knowledge. so what are your fears?
1. makulong ka - nope. utang is a civil case. only criminal offenses have imprisonment.NBI handles only criminal cases
2. Rule No. 1 - if you cannot pay,dont.
3. Remember, even if they file a thousand cases against you ( they wont coz they cant) if you have no money to pay, that's IT. the end.
more worries? e-mail me or we have have a chat or I can call you - FREE (bayaran mo na lang ako later pag nasa abroad ka na. heheheh....)
Thanks to you Banker at sa lahat ng mga nagss-share ng magandan diskarte! I've learned a lot from this blog! Keep it up! and Thank you very much
ReplyDeletetoo_scared_to_handle,
ReplyDeletetama si banker. Fear is the absence of knowledge. just patiently read the blogs here. masakit sa mata, pero it's worth it! i used to be as intimidated as you, kasi nga, i've never been a delinquent payer until i had problems with my cash flow. just read on, and pick up the lessons, especially diskartes, posted here.
i still get scared, pero hindi ko pinapahalata sa kausap kong collector. i just keep on coming to this site for re-empowerment. hehehe!
makakatulog k na ng mahimbing... :-)
Text ng ayaw tumigil na kolektor ni Atty. Paulino Cases:
ReplyDelete"Gud am! Ms. (name ko) ths s 2 remind dat ur HSBC accts. has been endors hr at CASES LAW OFFICE documents r for filling CIVIL CASE FOR SUM OF MONEY, MAKATI RTC dis April 10, 10am. Pls. call Atty Paulino Cases at 8138449. For compromise agreement."
Ang kulit nito, sinabi ko n s kanila na send muna nila sken ang talga amount ng utang ko kase dun s initial na "agreement letter" (SOA ang hiningi ko pero according to the collector d n daw magbibigay ng SOA ang HSBC kse delinquent na account ko)the amount in the letter is different from what she said (pero ung amount n sinabi nia is d same s billing statement n pinadala ng HSBC) sbi ko once na settle na nila which is which send me the documents s mailing address ko I even told her na mali ung mailing address ko s email nia and she should get the correct one from HSBC.
Replayan ko kaya to Banker, sbhin ko bkt sa RTC??? d ba dpat MTC???
Kairita!
Magsisinungaling lang d p galingan! Buti n lang nandyan Banker??
Nagtataka lang ako, d ba alam ni Atty. Cases na dpat s MTC d s RTC...naku baka naliligaw sia!!
chikit,
ReplyDeletewag. dont reply:
1. sayang ang load
2. baka matuto pa sila
3. its pointless
o, ingat, yung puso mo. heheheh....
tingnan mo pix above ano ginawa ni Judge sa ganyang lawyer-collector.
^-^
I also had a very bad experience with banks regarding cc.actually, i had issued PDC's with Chinatrust kasi isa yon sa mga requirements nila when you avail loan.kaso lng dahil nga sa laki ng binabayaran ko ngayon dahil sa pagkakaospital ng mother ko for 2 months,hindi na ako makapag deposit on time sa bangko for my PDC.Php 2,200 yung binabayaran ko buwan buwan thru PDC.Yung due date ko is every 13th day of the month.a few months back, 5 days before the due date i fax a letter to chinatrust (addressed to collections dept)that I am requesting them to deposit my check on the 15th na because i don't have enough fund yet.yung salary ko kasi on the 15th pa.However, on the 14th tinawagan ako ng bangko kung saan nandoon yung checking account ko.I was told na a check was deposited in my account.since wla ngang pundo, kailangan kong magbayad para sa overdraft at para sa check na idineposito ng chinatrust.i was told by my bank na para ma cleared yung check i need to deposit at least 5,000 para ma accomodate yung para sa check at para sa OD.kaso lang walang walang nga ako eh, kaya nga ako nag fax 5 days before dun sa chinatrust.Ayoko namang ma close yung checking account ko, so sinabi ko na lang dun sa nag update ng checking acct ko na 2200(hiniram ko sa aking friend) na lang yung babayaran ko for the OD para hindi ma close yung acct ko, then they will have to return to chinatrust yung check.On that very same day, may tumawag na taga chinatrust asking me kung bakit i wasn't able to deposit for my check kaya hayun tumalbog.Iritang irita sya nang sabihin kong wala na akong pambayad kasi yon ang ginagamit kong pambayad sa OD dahil nga they deposited my check kahit na nag fax na ako ng request 5 days before my due date.kailangan daw talagang magbayad at kung ano ano pa ang sinabi na medyo hindi na maganda sa aking pandinig. kaya tinarayan ko na rin ng husto.sinabi ko sa kanya na gusto ko namang magbayad kaya lang kahit 2 days, ayaw nila magbigay ng pabor,eh di na tuloy nakapagbayad sa kanila.sinabi ko na sa 30th ko na lang ipa re-deposit yung check but since she would still insist kailangan ko talagang bayaran yon dahil it's my responsibility daw(at hindi naman idini deny yon),pagalit ko na ring sinabi sa kanya na "sinabi ko na sayo na wala na akong pera eh,dahil yun sanang pang deposit ko dun para sa check pinambayad ko na lng para sa OD, so,if you will still insist, ano kaya kung ipa close ko na lang yung checking account ko at nang sa ganoon, mahihirapan na kayong humabol sa akin para sa bayad, ito ba ang gusto mo!?" so ayon, sinabi nya na lang sa akin na, o sige iti-take note ko na lng dito na sa 30th ka na makapagbayad.Ayon, madali na man palang kausapin nga pa ganoon.hay naku, nakaka irita talaga yung mga ganoon.kaya nga pag natapos ko na yung obligasyon ko ayo nang mag avail pa ng kung ano anong services nila (credit cards, loan, atbp.)
ReplyDeleterubiks cube,
ReplyDeletethat's good that you have finally arranged for it. how about if they "forget" it again?
ang mangyayari kasi, your repayment program will no longer be the same since all payments will not be able to cover your interest and principal repayments na as scheduled (w/ penalty pa yan)
three options :
1. just go on with your existing monthly installments ;
2. ask formally, in writing, for a restructuring
3. STOP PAYING. if you cannot afford it anymore. dont borrow from Pedro just to pay Juan.
e/m me.
Meron ako 'utang' sa isang ospital, umabot kc ng 120k ung bill namin, pero na settle ko na ung 60k. ngayon nag padala na ng sulat saken na kailangan ko na daw bayaran ung remaining balance?
ReplyDeleteMeron ako work pero sapat lng sa pang araw araw ng pamilya ko, anu kya magandang gawin?
anonymous,
ReplyDeleteang mga hospital, like CC, has provisions for losses. pag-hinde nila na collect, they can charge it against their income tax payment ( in effect)
Prioritize your family.
Thanks banker sa suggestions, disregard ko na lng ba ung letter saken or kailangan ko tumawag at sabihin na wala na ko ibabayad?
ReplyDeleteIHMO, its pointless to call them. wala ka din pambayad.
ReplyDeleteHello, i'm new here. napadpad ako dito dahil din sa cc na hindi ko na nababayaran. I have a work but i declare to my collectors na resign na ako dahil they keep on harassing me dito sa office and nahihiya ako makipag usap dahil naririnig ako ng mga officemate ko. I stop paying my hsbc credit card last february and now someome called me up na naka demanda na daw ako at mag iimbestiga daw sila dito sa opisina. Honestly natatakot talaga ako, pangalawa ayoko din mapahiya sa mga ka office mate ko at ayaw kong madamay ang opisina namin. Lastly i'm afraid na baka mabuko ako dahil puro fake yung mga documents na pinasa ko. Nagsisisi ako ngayon dahil nagpahatak ako sa mga friends ko just to avail credit card. At this moment puro fear na ang nasa heart ko..pano pag nalaman nila na fake yung mga documents ko pwede po ba ako makulong nun? Pumupunta po ba talaga ang nga yun to investigate the office kung talagang resign na ako? pano kung pumunta sila what is the best thing i should do? Plaese help..I'm willing to pay for it naman as soon as makaluwag na ako, right now kasi i have so many loads pati pag aaral ng mga kapatid ko ako na ang umaako. Thanks po...
ReplyDeleteGood day banker,
ReplyDeleteMy husband got a call from makati asking for me. I was not home so that man ask if my husband can speak to him? The said he is a lawyer (Atty. gonzales) form RTC something. This atty. Said his a pamangkin daw of Sec. Gonzales(DOJ). And also added his a kumpare of mayor duterte. Etc…then my husband knew that this is about my HSBC CC account. As my husband understands it. This Atty. Gonzales said na client daw nya ang HSBC and his checking why daw wla pang payment sa CC ko, dapat daw august pa nbyaran to. Dahil daw mabait cya ska kumpare nya nga c mayor bigyan daw nya ako hanging sept. 26 n byarn ang amount na 42,000 instead 109,000.00 something or ipapafile nya na ang kaso laban skin. My dalawang kaso daw ako isang civil case ska criminal case daw. Tpos explain nya bkit my criminal case kasi abandonment daw of utang nga, something like that. My mga notice daw cyng hawak n corresponds a 5 days imprisonment w/c kong susumahin n mhigit 60 days daw n pgkkkulong.
Ngtanong tong atty. If my checking account ba daw ang husband ko pra daw ma issue ng postdated check pra daw s 42000. sbi nya wla akong cheaking account ska hahanapan lng namin ng paraan. He suggested na mgppunta cyan ng tao d2 s bhay pra pprimhan skin to ensure n byran nga utang. After few mins. Ngtwg cya uli at sbi wla dwa avalble na agent pwde s monday n lng daw ako puntahan. My phabol pa cya na tulong n lng daw nya skin yon, ska alam nya n di daw lhat ng dabaweneo tumtakbo s responsibilidad. Etc… d ma recall ng husband ko wat branch no hes connected and wat law firm.
Anu po ung criminical case due to abandonment, banker, di ko nman tinakbuhan, ala lang tlga ako pambayad. And I only received one demand letter, how come many notices na.
Need ur advice po on what to do.. will I be really be imprisoned for not paying? Wat will be my action banker? It will be of big help.
Thank you.
name-dropping eh? lawyers dont call.
ReplyDeletethat is a SCAM.
I am based in Davao City and kumpare ko si Mayor Duterte. next time, get the name of the guy.If Mayor knows that,malamang hinde na yan maka-punta dito, kung totoo man siya. heheheh...
ive been an avid fan of this blog. tnx banker for giving us enlightenment on wat to do, hehhe, cge next he will call, ill get his name. tnx.
ReplyDeleteworried momma
E bobo naman yng c atty. paulino cases ng hsbc pati ung secretary nya istupida ding kagaya nya, pag hinarass k ipadisbar mo! wag u n yn byrn wlng nakukulong s utang, mgssw din yan
ReplyDeletesalamat sa blog na ito at medyo nali-lift ang confidence ko. paranoid na din ako at laging worried sa debt ko
ReplyDeletei have 3 cc's one of them, i got an amnesty na kasi they gave me 36months to pay na yun lang talagang statement balance ko ang babayaran, no other fees, no arte or anything, malinaw at in black and white lahat.
problema ko sa lahat yung hsbc ko na card...bastos ang mga collectors, ayaw magpakilala at sobra makapang-harass, pati mom ko hina-harass...sabi pa mag-legal visit daw sila...eh i told my mom i'll sue them for trespassing if ever they come here kasi they have no rights na mag-sheriff or whatever dahil this is not even my house, HSBC and all my credit card records show that nakikitira lang ako so i guess di nila alam yun dahil they just got my record from DM..another bastos na collector na binagsakan ako ng phone at sinabihan ako na sa court ko na lang i-settle... i got worried then, i felt really down kasi wala ka na ngang work kinukupal ka pa nitong mga to. i'm willing to pay pero hindi yung paglalabasin nila ko ng 90k in one month. hello?!
i'm planning to call hsbc collections dept. today para ireklamo tong mga to.
ano po ba mgandang gawin sa mga lokong to na tawag ng tawag? bibigyan na din ako ng subpoena "kuno" at me text pa na nkafile na daw case ko sa cebu rtc? wtf?
natatawa ako pero nagaalala na din kasi sobra sila mamahiya...nakakaasar! akala mo naman mga wala din silang utang...
help please! naiistress pa din.. hehehe..
thanks!
maria22:
ReplyDeletepag ang collector ay hinde nakakasingil, wala ng gagawin yan kundi ang mangulit at ang mang-asar. asar talo na lang ang labanan dya. wag kang magpaapekto sa mga sasabihin nila. makpiagasaran ka kung kaya mo pero dapat relax ka kasi the more na relaxed ka, the more na napipikon sila
ungas yng si paulino cases, atty. b tlg yn? wl n yng malamon ky pursigidong mksingil ng maliit n utang, bastos yn mkipag-usap, tonto yan! d q n bbyrn utng q cl p dpt mgbyd s qn s pmbbastos nila.
ReplyDeletennqt lng yng mga atty n yn n kksuhn k,mgkano b mgfile ng kaso? e d mas nlugi p cla, kc kht orderan ng court n mgbyd k ng ganitong amt buwan-buwan qng wl k rin nmng maibbyd wl ring mggw ang korte. walang nakukulong s utang sb ng batas.
ReplyDeleteHello Sir, i'm new here. napadpad ako dito dahil din sa mga utang ko sa mga credit cards ko na hindi ko na nababayaran. nag check po ako sa Internet just to check the name of Atty. Paulino Cases dahil tumawag po sya sa HRDO namin. I stop paying my hsbc credit card 2 yrs ago and now someome called me up na naka demanda na daw ako at mag iimbestiga daw sila dito sa opisina at ang sabi po ng HRDO namin Atty. Paulino Cases daw po yung name ng tumawag. tumawag na din sya before dito sa mismong office namin at boss ko ang nakausap nya, ang sabi po ng ka-officemate ko binastos dw po ang boss ko. Honestly natatakot npo ako, unang una, nahihiya ako sa mga ka-officemates ko at boss ko sa twing may tatawag na collectors ng bank sa akin, pangalawa ayoko din mapahiya sa mga ka office mate ko at ayaw kong madamay ang opisina namin. Lastly i'm afraid na baka mabuko ako dahil puro fake po yung mga documents na isinabmit ko. Nagsisisi ako ngayon dahil sa hangad kong magkaron ng CC nagawa kong mag fake ng mga documents. At this moment puro fear na ang nasa heart ko, paranoid nko, pano pag nalaman nila na fake yung mga documents ko pwede po ba ako makulong? Pumupunta po ba cla talaga to investigate the office? pano kung pumunta sila what is the best thing i should do? Plaese help me. masyado na na-aapektuhan ang trabaho ko. I'm willing to pay naman as soon as makaluwag na ako, right now kasi sobrang gipit lng po talaga ako, madami po akong utang na binabayaran dahil kelan lng po na ospital ang mother ko at nagkasunod-sunod pa po ang dating ng problema namin kaya d ko na po alam ang gagawin ko, halos d na po ako makakain at makatulog sa kakaisip, sana po sir masagot nyo po ang mga tanong ko at mabigyan nyo po ako ng advise. Thanks po...
ReplyDeleteanonymous (cases):
ReplyDeletenakademanda ka na? may natanggap ka na bang summons?
this fact shows that they are only lying... dedma mo na lang... do not be affected.
yung sa documents, its not your fault entirely... the bank should have validated to check if your documents are genuine.
pumupunta sila, but only to ask you to receive demand letters. madaming diskarte dyan...
thank you po sir sa advise nyo, nakahinga npo ako ng maluwag, talagang sa sobrang takot ko po nagagawa ko na pong mag leave sa office ng ilang araw pra lng po makaiwas sa mga tawag ng bangko, Sir, pwede po b akong humingi ulit ng advise s inyo kung ano po ba ang magandang diskarte na gagawin ko sa ganitong sitwasyon? pasensya na po kayo gusto ko lang po maging handa kung sakaling may pupunta nga po d2, marami pong salamat, wait ko po ang reply nyo sakin, ingat po and more power po s inyo.
ReplyDeleteanonymous: please get a name so we can identify you properly. ang hirap eh, ang daming anonymous dito.
ReplyDeleteon your question, please visit this site:
http://www.diskarteforum.niceboard.net. lahat ng diskarte andyan. basa basa ka lang ang get all the information you need... because you will need it.
honestly sir, madami npo akong demand letters na naririsiv, sa ibat ibang bangko madami pa po kasi akong cards na hindi ko npo talaga nabayaran, pero d ko pinapansin dine-dedma ko lng po tlga, lalo npo yung galing kay Atty. Paulino Cases, pati mga phone calls nya di ko din cnsgot, minsan po pag ako n ang nkksgot ng phone, sinasabi ko po na nka leave ako, hanggang sa dumating n po yung time na s HRDO n sila 2mwag, sensya npo kyo sir sa kakulitan ko, tlgng paranoid npo yta ako dhil s mga bangko na ito, everytime po na pumapasok ako ng office takot na po ang nafi-feel ko d npo ako mpakali, napapanatag lng po ako pag mag-uuwian n kmi, pls sir, help me, ituro nyo nman po sa akin ang magandang diskarte na gagawin ko, psensya npo kyo ulit sa kakulitan ko, maraming maraming salamat po.
ReplyDeletebanker, ask lang po sana ako regarding sa letter na nareceive ko from enzi law firm, na dinidemand akong magbayad at tinatakot na magfafile ng case against me na makukulong daw ako under r.a. 8484. mga 4 months pa lang po akong d nakapagbayad ng card ko sa metrobank, kulang na kulang na po kasi ang sweldo lalo pa na tumutulong ako sa schooling ng kapatid ko. what should i do? natatakot po akong sa sinasabi nilang kasong ifafile at ang sentence daw 6 to 12 years na pagkakulong. banker pls. help.
ReplyDeletejazy,
ReplyDeleteread that letter again.
...RA 8484, IF EVIDENCE WARRANTS.
isa yan sa mga panloloko ng collectors.
it's like saying:
"makukulong ka, IF may pinatay ka na kolektor" lol!
tapon.
hi banker,
ReplyDeletei just wanted to ask your help and opinion kon ano dapat kong gawin...madami din po akong cc na hindi na updated ang payments dahil masyadong gipit talaga ako, nawalan trabaho husband ko tapos may mga anak pa ako..kulang na kulang ang sahod sa basic needs at tuition fees pa po ng isang anak ko...kadalasan kasi kapag may tumatawag sa celfon ko hindi ko na sinasagot dahil nahihirapan nmn din aong mag explain na wala pa akong pangbayad sa cc...so ignore ko nlang..nag aalala na ako banker kasi for sure ang lalaki na ng amounts nun considering all the charges na pinagpapatung nila..late payment charges, overlimit charge, interest, finance charges, annual fees, and etc....nakakarecv po talaga ako ng mga demand mails nila banker pero ignore ko din lang tinatapon ko sa basura kasi takot na akong makita yung amount kon how much na..di nmn siguro din tama yung mga charges nila banker hindo po bah?? my problem now banker eh, pati sa barangay nmin tumawag na sila, hinahanap ako...ngayon kilala kasi ako ng secretary doon at kinuha yung number ng tumawag den hinatid sa bahay nmin...tama po ba yun banker na pati sa barangay nmn tatawag sila? at ang sabi pa Fiscal daw sa makati...pero nong nagsearch nmn po ako sa internet kon meron yung ngalan na iyon sa fiscal...wala nmn po sya sa list...at ang sabi violation po ng RA8484 na naman...problema ko lang banker baka kumalat sa barangay at pag chismisan ako...sobrang nakakahiya nmn siguro kong mangyari yun dba....ano kaya po ang dapat kong gawin banker?? meron pong ibinigay na contact no..tatawagan ko kaya ito?? baka kase tumawag na nmn sa barangay office nman at baka kong ano ang ipagsasabi doon...nalilito napo talaga ako banker hindi ako makatulog...bothered na talaga ako....
please advise po anong dapat kung gawin for now...
maraming salamat poh in advance...
hello po banker,gud day!ask ko lng po sa inyo kc po yung hipag ko kumuha ng bahay at lupa thru bank financing.So ngayon po na di na nya kaya,gusto napo nyang tumigil sa pagbayad.Mga 2 months na po syang nakapagmove-in sa bahay nya.Ano pong mangyayari pag tumugil po sya sa pagbayad?May makukuha po ba sya?Ano pong dapat gawin para mabawi yung nagastos nya?
ReplyDeleteRose,
ReplyDeletesince this is a real estate problem, try to post it here:
http://realestateproblems-banker.blogspot.com/2010/11/my-house-is-under-mortgage.html
Dear Banker,
ReplyDeleteIm half relief that I came across this site, tulad nila prblema din po sa pera ang iniisip ko ngayon. Sir in my case. lagi po ako full magbayad sa creditcard ko until such a time na nagkaroon ako ng krisis pang pinansyal. Dumating po ang time na hindi napo ako nakabayad sa credit card ko HSBC and in endorse na po sa collections agency ang account ko. We came to an agreement na i close sya at mag avail ako ng kanilang amnesty program. Nagkasundo po kami na magbayad ng ganitong amount tuwing 15 and 30, ang kaso po nagkaroon ako ng problema sa trabaho at hindi ko na rin nagawang mag adhere sa amount na napag kasunduan namin pero hindi pa rin po ako nag fail magbayad, each time na tatawag po sila, lagi po ako nakikipag usap, in inform ko pa po sila sa bago kong number ng nawala ang cp ko w/c only shows na hindi naman po ako tatakbo sa utang ko, pati address ko sinabi ko na palitan nila sa system nila. at hindi napo ako assoc sa dati kong address kung san nila pinapadala ang sulat. ng minsan po ako pumalya at tumawag ang collector sa akin, naging harsh napo sya, sinabi nya pa po na basta kailangan ko magbayad otherwise idedemenda ako ng bango, sir sobrang sakit po ng loob ko na parang kulang nlang pasukahin nila ako ng dugo at pera, in the first place willing naman po ako magbayad, hindi ko lang kaya yung amount na hinihingi bakit po ang treatment sa akin ay para bang ayaw ko magbayad, hindi ko napo hihintayin umabot sa puntong ganito kung may pera nman po ako na ibabayad in the first place, ganun ho ba ang kalakaran ngayon ng bangko? ang sabi pa kapag hindi ko daw po nabayaran yung full amount sa ganitong buwan, babayaran ko kung ano yung nasa statement na pinapadala nila, kasama na dun lahat ng interes. isa pa sa mga bumabagabag sa akin ay kung bakit pilit nila kinokontak ang dati kong address at landline gayong ibinigay ko nman ang bago kong number and on several occassions dun po sa number na yun sila tumatawag at dun kami nagkakausap? Sir mas lalo ko hong hindi mababayaran kung ganun po ang gagawin nila sa akin kaya nga ako nag avail ng kanilang amnesty program, halos hindi napo ako makatulog dito at para akong nagkaroon pa ng depression, kinausap ako ng aking former kasambahay sa dati kong address at sinabi pa na kapag hindi ako naglabas ng ganung pera ipo post nila sa newspaper ang picture ko, sana po matulungan nyo po ako.
karren,
ReplyDeletehttp://failuretopaycreditcard.blogspot.com/2010/07/publishing-your-face.html
In my case, when I was already having financial troubles, I called my cc company that I wanted to cut my credit account already, and asked them if they could offer me a more affordable payment term. you know what they said?
ReplyDelete"Ma'am, ok lang naman po yan, baka ngayon lang naman kyo may financial problems, baka maayos nyo rin naman so sayang naman po ung card, saka ung application process."
the first month, it was still ok. pero nung mga 3months after, sobrang delayed n ko at halos d n makabayad, instead of offering me to cut my credit services, they started threatening me. , kesyo nasa collections n raw or legal department whatever n raw ung accopunt ko. they would call me hanggang late hours at night, and even sa office, kahit cno n lang ang makasagot, tlgang sasabihin p nila n may credit problems ako sa kanila.
i was so pissed that i stopped responding to their calls and texts.
until one day, they called the office and told my officemate, "pakisabi, kung ayaw nyang magkahiyaan pa kame, magbayad n sya." then slammed the phone.
what an uneducated piece of crap.
sorry to all the readers, I just had to vent this out. sobra n kc tlga minsan ang mga collecting agencies mang harass. i want to understand that they're just doing their jobs... but they're not doing it right.
Dear Banker,
ReplyDeleteGusto ko lang po humingi ng advice regarding my problem sa HSBC cc ko. Hindi po kasi ako nakapagbayad sa kanila since nung October 2010. Nung last January 2011 my nagpadala sakin ng letter ang Domingo Molaer Law Office, pero hindi ko pinansin. Tapos past day po kasi may mga tumatawag sa boarding house ng cousin ko, nananakot daw yung tono ng boses. Nag-iwan pa nga sila ng contact number para tawagan ko. Ang name ng taong hahanapin ko ay si Paulino Case. Tapos kahapon naka-received ako ng sms,
"ATTN MS.Jhien this is from CASES INVESTIGATION DIVISION. We would like to inform you dat we will be conducting a PERSONAL VISIT in ur HOME/COMP. ADD re: ASSET CHECKING/OCCULAR INSPECTION today at 2pm. This include barangay assistance for confirmation of residency. You can call Mr. Frank de Guzman at the INVESTIGATION DIVISION at 8924805;8171656 for proper appointment investigation."
Hindi ko po sila tinawagan kasi hinala ko scam lang yun. Pero just this afternoon tumawag ulit yung Lea Marquez na nananakot. Napuno na po ako nakipagsagutan na ko sa kanila. Tapos tumawag po ako 858-5000 HSBC collection dept. daw, to confirm, ang sabi nung nakausap ko naka-forward na daw yung account ko sa legal office nila, kay Atty Paulino Case yung law office.
Anu po ang gagawin ko? Paano pag tumawag sila ulit at nananakot?
Isa pa po, ang hotline kasi na nakalagay sa website ng HSBC is 85-800/976-8000, pero yung sa collection dept na sinasabi nila ay 858-5000, posible kaya na nagpagawa lang sila ng hotline halos pareho sa HSBC? scammer din ba yung hotline 858-5000?
I really need your help! Thanks
banks no longer call to collect. inuutusan lang nila ang mga collectors for a FEE.
ReplyDeletethese collectors naman will do all things, including coerce,scam or tell you lies in order to collect.
next time, tell them :
"according to my lawyer, sa court na lang daw natin pag-usapan ito para legal lahat. ayaw mo pa nyan?"
hi banker,
ReplyDeleteca i have ur email add pls. i want to ask some diskarte regarding this Paulino cases.
thanks!
-tomtom-
To Banker..
ReplyDeleteI am a Barangay Official, we received calls from persons na nagpapakilala na siya ay galing sa court of clerk, CIDG Crame, forwarding company, PNP of certain city or province.. and they always asked us if the certain person is our resident... and they will asked as to notify the person to call their office to either settle the complaint, collect the padala from other country etc etc. As a policy now of our barangay council, we tell the caller to drop-by at our barangay and we are glad to assist them and we want to see the proper identification. As a barangay officials, we have the obligation to protect our residents from intimidation or threats.... and these collecting company, their agents, their lawyers have something in common.. their attitude is to threatened and intimidate us if we tell them that they have to visit our office.. the caller, the telephone numbers they give is the same one mentioned above.. i hope that this unscrupulous person, must be punished , the lawyers be disbar... thanks.. Walter, the Barangay Official
Walter,
ReplyDeletethanks for writing.
what you are doing is right - inviting them to pay you a visit.
How do they threatened or intimidate you?
maybe you just "take their message",after that,
forget about it.
It's not your duty to be the messengers of collectors. (see Supreme court Adm. Cir. 14-93)
To Banker,
ReplyDeleteI need advice on a person keeps calling our house and looking for a person that does not live hear. I googled the number and found it in your blog. '858-5000' and it seems that this is a collection agency of some sort. Its OK if they called once but every week, twice a week? Do they even do a back ground check on the number they are calling? What should I do to convince them that nobody lives at our home by that name. I told my household not to tell anything about the house, our name, or any information regarding us to be sure. any advice will be much appreciated. Thanks
hi banker..ask ko lang po sna if my case ako kc d ako nkapagbayad n nang cc ko..balak ko pa sana dis januaray n mag apply ng work kya lang hesitant ako kumuha ng police n nbi clearance baka bigla akong ikulong,,ano po kya powede kung gawin? thanks banker..
ReplyDeleteam fatima..just now somebody called up me from judge corpuz office daw, and last week may nagtetex from paulino cases daw sila...nanghaharas na sila sa mga kasama ko dito sa office, bakit daw tinatago ako...so sinagot ko sila kanina...my overdue account was incurred 10 yrs ago already...i was not able to pay it coz nagkaron ako mabigat na problema sa ofis, na di ko na talaga kaya bayaran ang utang ko sa landbank visa...ds certain mr. sugi was asking me to call the headoffice of landbank, i told him why? sabi ko just send me notice...tama po ba un? eh talagang wala naman po akong interest na bayaran un, kasi matagal na at isa pa, isa lang po akong kumikita...pls.advice..naiinis na po kami sa kakulitan nun mr. sugi na un..thanks po
ReplyDeletehahaha....walang pera lang yan si kolektor!
Deleteprescription period to file a case is 10 years.
try mo ito:
http://failuretopaycreditcard.blogspot.com/2011/10/lets-make-fun-of-collectors.html
i need advice po, a certain mr. sugi, just called up, actually he has been harassing my coleagues here at d ofis, asking about me, eh on travel po ako, sabi po tinatago daw po nila ako...so kanina, i told her not to harass my ofismates coz dat's against the law, dat i can complain them to BSP, eh may evidence daw ba ako na siya un nagharass...so sabi nya me utang daw ako sa lbbvisa, which was way back 2001 pa po, when i got a serious problem and i couldn't affort to pay, kahit po ngayon di ko pa kaya bumayad...konti lang naman po un pero bakit po sila ganun manakot...so i told them to send me notice...tama po ba un ginawa ko?..pls advice...10yrs ago na po un..sole breadwinner lang po ako ngayon...thanks po
ReplyDeletedare them to file the case. and next time they call, tell him "after mo akong ipahiya sa mga kasama ko sa tingin mo may gana pa akong magbayad sa inyo? file mo na lang case yan at dun tayo magbayaran sa korte"
DeleteHi! Sir, I'm April hinge lang po ako ng advise regarding sa HSBC cc ko last payment ko po kc last march 2012 pa this year pero hanggang nagyun po hindi na po ako nakabayad kasi po Hindi sapat po ang aking sahod ngayun nasa legal office na raw Kay atty. Cases kailangan ko na raw mag bayad ng kahit 25% sabi ng kanyang secretary pero kailangan kinabukasan daw mag bayad na po ako para hold daw muna ung notice ang problema po kasi subrang laki 44,000.00 pesos wala po akong ganyang halaga ang utang ko po kasi 145, 000.00 gusto ko pong magbayad pero Hindi muna ngayun kasi wala po akong pera...sir tanong ko Lang po balak ko pong mag abroad makakaabroad pa kaya ako baka kasi mag ka record ako sa NBI...makulong po kaya ako dahil sa utang? Please help me po sir...thanks
ReplyDeleteHello Sir. I would like to ask about small claims filed with the MTC. I have this unpaid account with Prudentialife Visa in which we did not come to a settlement during the hearings it is because i still do not have the capacity to pay at the moment. Moreover, I have a fully paid educational plan for my daughter which I said that the amount due on the credit card be deducted to what is claimable sa Prudential since they belong to the same group of companies. Hindi ko nga alam kung makakaclaim pa ng educational plan kasi nakahold pa sila sa IC at yung nag issue ng credit card ay under the same umbrella of companies kahit papaano ay may utang din yung company sa akin. Since hindi kami nag settle, the Judge will decide at hinihintay ko pa yung decision. What happens in this case? Will I be compelled by the Judge to pay? And why is the defendant not allowed to bring His Lawyer during the MTC Trial on small claims? I hope you will enlighten me on this. Thank you.
ReplyDeletelawyers are not allowed in SCCs for both plaintiff and defendant. pampagulo lang kasi ang mga abogado. lol!
Deleteretirement benefits, pensions, educational plans and/or insurance is EXEMPTED by law against claims by creditors.
Hello Sir.. Gusto ko lang po maliwanagan regarding small claims filed with MTC. Meron kasi po ako hindi nabayaran na PrudentialLife Visa Card at nagkaroon kami ng hearing na two times na hindi ako nakipagarrange ng settlement. First, I do not have the capacity to pay at the moment at meron din ako fully paid na educational plan for my daughter under their group of companies so mas malaki pa ang utang nila sa akin lalo na at nakahold ang claims ng paln holders. So hinihintay ko pa ang decision ng Judge. If ever po ba, will I be compelled to pay by the Judge at puede ba mag appeal sa decision and why is it that on small claims lawyer of a defendant is not allowed? Hindi ba unfair at wala tagapagtanggol ang defendants sa small claims? Hope I will be enlightened kasi po it is bothering me so much. Thank you.
ReplyDeleteSir.. pag ganito ho yung small claims case na nakarating na ng MTC, ano ho yung maging resulta nito pag hindi nag agree ang defendant sa plaintiff? puede pa ho mag appeal pag yung decision hindi in favor sa defendant at hindi pa kaya magbayad? Thank you po.
ReplyDeletethe issue is simple:
Delete"totoo bang may utang ka?"
so, the decision is also very simple:
thus:
" Pay Pxxx plus 12%p.a. interest UNTIL FULLY PAID".
Thanks Banker at naiapply ko lahat ng natutuhan ko from this blog. may tumawag kasi dito sa office. hinaharass nya ko. una binabaan ko. abay tumawag ulit kaya dineskartehan ko. tinanong ko sya "sayo ba ako may utang?" and she said "wala. sa bangko meron" then I told her "eh bat ikaw ang nanggagalaiti dyan na as if sayo ako may utang? bakit di ka ba sasahod kung wala kang masisingil?" she said "sasahod kami kahit hindi ka magbayad!" then sinundan ko agad ng banat "eh yun naman pala eh. eh bat gigil na gigil ka dyan?" then binabaan nya ako ng phone. then tuesday ata may tumawag. mabait. kasamahan nya. tinanong ko kung sino yung tumawag sa akin then sabi nya bisor daw nya ata. I told her pano napromote yun na ang bastos bastos nya na as if sa kanya ako may utang. and she said "I'm sorry po maam di na po mauulit yun." then i was like siguraduhin nyo lang. dahil kahit ako may utang I'll make sure kayo mapapahiya. siyempre sa sarili ko lang sinabi yun.
ReplyDeleteThanks sa lahat ng nagsheshare ng ideas and diskarte.
Advice sa iba minsan barahin nyo sila para matutong makipagusap ng maayos :P
Yhanie :)