Home Visits

These are some of the initial comments I got for 2009.It's all about
VISITS(again!) I thought it might be timely to update and republish
our 7/08 Chapter.
Case No. 1

ocianne said...
hi banker,
happy new year! although mine was not so great. problema din sa CC. sometimes i feel like killing myself kasi sobrang baon na ako sa utang sa mga credit cards na yan..... kasi nahihiya talaga ako pag may CA na pumupunta sa bahay at ang kasama namin ang minumura mura e.

Case No. 2

may nagpunta n rin d2ng babae s bhay nmin n tga molaer at nag
occular din pra nmn s bankcard cc ng misis ko

Case No. 3

Anonymous said...
...ang kulit banker nabwiwisit na ko pumunta ba naman sa bahay buti na lang tinago ako ng mga father ko ito pa nag worry banker baka biglang pumunta sa work area ko na skul nakakapraning, ano ba dapat kung gawin pag nagpunta? at makita ko...

Trespass to dwelling
Art. 128. Violation of domicile. —
any public officer or employee who, not being authorized by
judicial order, shall
- enter any dwelling against the will of the owner thereof
- search papers or other effects found therein without the previous
consent of such owner, - having surreptitiously entered said dwelling,
and being required to leave the premises, shall refuse to do so.
Crimes Against Security
Art. 280. Qualified trespass to dwelling
Any private person who shall enter the dwelling of another
against the latter's will…. by means of violence or intimidation
PENALTY
Minimum 2 years, 4 months and 1 day maximum of 6 years
and a fine not exceeding 1,000 pesos.
Bail required P12,000.00

You have the right to refuse entry to anybody, especially collectors.
Ask them WHAT IS THEIR BUSINESS ( more often mag-dala lang ng 1/4 piece of paper yan)
If they request entry, ask for:
1.Their authority from the supposed collection agency
2.Appointment of their Collection Agency from the bank
3.Board Resolution of the bank authorizing such appointment
marami pa - ID,Statement of Account duly signed by authorized
signatory of the bank,etc.and etc.

Normally WALA silang maipakita. Conclusion? they are just there to harass you and milk money from you and its EXTORTION/FRAUD/ESTAFA/DECEIT:
Revised Penal Code states :
..By means of any of the following false pretenses or fraudulent acts executed prior to or simultaneously with the commission of the fraud:
(a) By using fictitious name, or falsely pretending to possess power, influence, qualifications or imaginary transactions, or by means of other similar deceits.
(b)By inducing another, by means of deceit, to sign any document.
Art. 318. Other deceits.
any person who shall defraud or damage another by any other deceit not mentioned
Penalty? why, kulong, of course!

CALL THE POLICE. its time to turn the table against scammers.

see Office Visits here:

http://failuretopaycreditcard.blogspot.com/2010/08/office-visits.html