Graduation Day

It's graduation time

-when you received a summons :
B.S.in Credit Card Harassment Major in Citibank
B.S. in Credit Card Harassment Major in HSBC

- when you arrived from Dubai:
MBA - Master in Being Alive from Dubai

- when you are no longer afraid of collectors
MBA - Master of Blackmail Attempts

With Honors:
Summa Sobra ang Nabayad.


Congratulations.
Learn from your experience.

I Will Pay The Bank Directly!

I will pay the bank directly,
instead of the collector.
Such nice words to hear.
But maybe you can ponder on the following:

Di ba written-off na ito?
Does it mean HATI ang bank and collector?
Does it mean EFFECTIVE ang pananakot at pahiya ni collector sa akin?
Doe is mean I am rewarding him for that?
Is my payment being CREDITED against my card card debt account?
or is it simply being credited to the account of the collector?

Kung minsan, nag-tataka ako kung bakit bayad ako ng
bayad, my account does not move naman.
Is it simply being eaten by the charges?
Useless?

Also, why do I pay my HSBC "credit card accounts"
in Citibank or any other bank. THAT sounds queer to me?

Bilkish

Bilkish is a financial call center owned by an Indian.
walang business permit po ito galing BSP.
(they call their collectors "Junior Bank Managers"
>:)

They handle mostly OFW accounts.
http://www.jobstreet.com.ph/jobs/2008/9/default/20/1973660.htm?fr=J

Coming in second is ENZI
ENZI Corporation is one of the call centers/telemarketing collection services company in the Philippines.
http://www.callcenterdirectory.net/call-center-companies/ENZI-Corporation-730.html


my score card:
"filing" a case - zero
"world-wide" travel ban - zero
"deportation" - zero
"hold departure" - zero
"imprisonment" - zero
"NBI/INTERPOL/GCC - zero
demand letter signed by Bilkish Jr. Bank Manager - minus 10 !

Letters

If you still want to make your life simple,
open at your own risk.
what would you expect there anyway?
a win from the lotto ?