Saturday, July 31, 2010

Dubai Debts

Wala tayong pakialam sa batas nila ; wala din sila pakialam sa batas natin.
this is because of the "territoriality concept of law".
once you are here in 'Pinas, mahirap habulin because of the cost and the
separate territorial laws involved.

Di ba ang tawag sa mga bansa "Independent"? wala bansa ang puede
makialam sa ibang bansa.

Kaya, ang mga masigasig lang ay yung mga Pinoy sa Dubai and Pinoy
dito who try to squeeze money from OFWs by blackmailing them.
(Special Mention po dito ay Bilkish)

May debtors prison doon? dito, wala.

Think about this :
Kung puede mag-asawa doon ng lima, dito ay considered yan "adultery"
see the difference?

From A Lawyer:

The XXX (OTHER ARAB COUNTRY) authority can only hold or refuse the entry or departure of an foreign national for violation of its immigration laws or its local laws (it is possible that they consider a person undesirable alien if he has a case before UAE) but the actual case for violation of UAE laws can only be prosecuted and filed in UAE since violation of criminal law is jurisdictional meaning it can be filed only in the place where it was committed.

My Translation : WALA pakialam ang GCC sa kaso mo sa Dubai

Each countries has an agreement with their respective local police through Interpol to apprehend violators of their law and if the host country (GCC) is willing to cooperate with UAE government through its INTERPOL or the immigration office, they can apprehend the subject for eventual turnover to UAE authorities for his prosecution.

My Translation : PUEDE ang GCC country na dakpin ka at i-turn over sa Dubai.
meaning - IF you are that important and has committed heinous crimes or plunder
at tumakas ka with $100,000,000.00 from the bank.

In THEORY, everything is possible.
In Reality, not everything is feasible.

Saturday, July 24, 2010

Publishing Your Face

bag lady avatar
Collector's diskarte: PJ Publication

Threats to publish your name, picture and your face in the newspaper
is silly.

If they do that, WALA ka ng mabasa sa newspaper kundi pur0
pangalan ng 500,000 CC defaulters! Incredible? its like
reading who passed the board exam, complete with your face
and picture.

BTW,ang ba ang pagka-iba ng face and picture?
(It's also libel - a criminal case - no matter the reason)


Saturday, July 17, 2010


Police avatar

Under its enabling law, Republic Act 157, as amended, the NBI is empowered to:
* investigate crimes and other offenses against the laws of the Philippines, both on its own initiative and as public interest may require;
*assist, when officially requested in the investigation or detection of crimes and other offenses;
*act as national clearing house of criminal records and other information for use of all prosecuting and law enforcement entities.

Utang is not a crime. If unpaid, its a violation of certain conditions of a Contract or Kasunduan.( Just like your marriage contract. lol!)

Friday, July 9, 2010

Help Not Blame


What to better define people with credit card problems - worrywarts? oppressed maybe? or victims? Would exploited CreditCard Defaulters be most appropriate?

From the start, Cardholders are already at the losing end, exploited by corporate greed - Tempted to meet their emotional wants and desires masquerading as actual needs.
Rationalization comes in - CCs are handy, to be used only on
"emergency cases". And how many " real emergency cases" did we have? Its Midnight Sale in the mall, there's a promo on appliances sayang naman if we pass this opportunity,I like that bag, baka wala na yan pag-balik ko. familiar scenes?

Default starts. the exploitation continues. Where in the world can you have an interest of 42% plus a penalty of 60% or a total of l02% per annum? you only heard about it when speaking of 5/6 before! On top of that, there are over-the-limit fees, hidden charges na hinde mo naman maintindihan how it got there and at collection fee of 25%,the logic behind it also puzzles me.ahhh....deceits.....greed.....

Aside from harassments of the collectors, and the paranoia created afterwards, when others heard about the exploitation, reaction would most likely be:

"iyan, kasi they are irresponsible in handling their finances"

maybe,losing a job is also being irresponsible?
maybe,using your card to put dear father under ICU to keep him alive is being irresponsible?
maybe,not being able to look at your family go hungry is also being irresponsible?

Exploited na nga yung tao, you add pa to their miseries by blaming them.
In such case, I dont want to go to church with these hypo-critical people.

If you cannot help, dont blame. leave us alone.

Wednesday, July 7, 2010

RA 8484 In Pilipino

Unless you used a FAKE Credit Card, here's the law for regular unpaid cards:
Section 9.Prohibited Acts:
(j) Obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
nangutang na ang layunin ay umalis na lang pag-katapos at hinde na mag-babayad

Section 14. Presumption and Prima Facie Evidence of Intent to Defraud
a. Debt - more than Ten thousand pesos (P10,000.00);
b. Status - past due for at least ninety (90) days ;
c. Action - abandons or surreptitiously leaves the place of employment, business or residence

Nag-layas o umalis sa lugar ng trabaho, negosyo o tinitirahan, ng palihim o patago.

Friday, July 2, 2010

China Trust & BP 22

I havent paid my chinatrust loan mag 2 months na po.sayang kasi june 2010 na kasi ako matatapos pero di na tlaga kasi kaya cause na lay off po ako last nov. sir, paano po yung check na i have signed before? baka ma estafa po ako eh..pero wla naman akong cheking account eh...i dont understand kung for wat yung checks na pina sign nila sa akin before pagka kuha ng loan ko.. please advice po. thanks!

Please call them up and inquire kaninong account name yung checks
which you signed and you will be in for a surprise!