Saturday, March 26, 2011

Graduation Day

It's graduation time

-when you received a summons : 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.

Learn from your experience.

Sunday, March 20, 2011

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?

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

Tuesday, March 15, 2011


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.

Coming in second is ENZI
ENZI Corporation is one of the call centers/telemarketing collection services company in the Philippines.

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

Saturday, March 5, 2011


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 ?