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

Trust But Verify

A caller identified himself as Mr. Collector.
"You owe the bank P 100,000.00" he tells you. " You should call Mr.
Fiscal at tel. no. 12345455 to STOP THE CASE." just like that? whew!

You readily called Mr. Fiscal. What does he tells you?
pay P 5,000.00 by Monday at this account number ( who's account?)

Which you complied naman.

After that, there is a "juicy" offer of P 50,000.00 if you pay by
end of the month.

Then, you received your monthly statement. states there P20,000.00
only. OMG! You believed him! What FAITH.
Instead of the juicy offer, you end up being milked.

Think like an auditor.

Utang & Fraud

DEBT - A sum of money due by certain and express agreement.
Debts are discharged principally by cash payment.Other
form is via payments in kind and write-offs.
SWINDLE - To obtain money or property by false pretenses and fraudulent acts
(estafa) by:
- using fictitious name, or falsely pretending circumstances
- post-dating a check, or issuing a check in payment of an obligation

The Collection Agency is only that - a COLLECTION agency. they are not a litigation company. The bank hires them primarily to collect,for a fee, accounts classified as "loss" and not to file cases left and right.

If ever they say you are guilty of fraud,maybe you can turn the table on them:
utang, yes. fraud? Nah..... sila yung mahilig mag-pretend to be from the court, SPO1 or worst, an attorney.So, who's guilty now?
(except if you issue PDCs - it falls under BP 22)

No Approved Therapeutic Claim

originally published May 31,2007

April 25,2008
Hi Rene:
I hope it's okay to call you by your first name :)

Anyway, I just want to share something to you. I am a bit shy about
posting this at our yahoogroup. I would not mind if you post it
though (without my name or email please)

A letter arrived from a collection agency (xxxxxxxx Credit and
Collection Services). This letter just proves that there is indeed
NO AMNESTY PROGRAM.

-------------------------------------------------------------------

Dear Sir/Madam:

Greetings!
One of our objectives is to help you ease the burden of carrying your
accountabilities. Thus, Credit Card Company is offering you a special
discount on your Credit Card with account number XXXXXXXXXXXXX,
which is now long overdue and demandable.

Your balance as of April 16,2008 is PhP54,127 but through this special
discount, you can now avail of the final settlement amount of
PhP36,217 as full payment of your outstanding obligation until
April 25, 2008.

If you wish to avail........ Blah blah blah

Very truly yours,

Mae xxxxxx

--------------------------------

This is what is FUNNY. I received my statement of account dated
April 20,2008 which indicated that my outstanding balance is at
PHP36,344.I do not know if the collection agency has been advised
that I am still receiving a monthly bill despite the fact that my
account has been suspended.

You are right! There is no AMNESTY PROGRAM! :)

Raket ( Caveat Part II)

sabi pa ng ex officemate ko na ex kolektor ang raket nila noon pag may natakot sila at nagbayad binibigyan nila ng ibang resibo they managed to create a resibo na mukhang official un ang binibigay nila sa nagbayad (kawawang defaulter!) tpos pagdating nila sa office at tinanong sila ni lawyer kung may nasingil sila ang sagot nila: WALA!!!

Sabi nga nya sken wag ako magbabayad sa kolektor kase malakas ang chances na di naman nila nireremit yun binayad mo. Worst case scenario, nangutang ka ng pambayad sa kolektor, si kolektor na corrupt kinupit bayad mo, si law firm gusto kumita ng pera binenta ung information mo sa ibang law firm.....may iba na naman kolektor na tatakot syo.

Chikit
Saturday, June 14, 2008
4:48:00 AM PHT
Feeling Knowledgeable

Feeling Marunong

Anonymous said...
i just discovered this blog... basically this whole blog is saying:
"kapalan nyo nalang mukha nyo at hindi nyo na kelangan bayaran utang nyo."

as in "Collector's face"?

"it's ok to borrow money to live beyond your means coz u don't have to
pay back the money anyway."

Its ok to collect money that is not yours and feed your
family with blood money

"Ok lang mangutang at hindi magbayad... wala naman magagawa yung
mga nagpautang sayo e."

Ok lang mag-collect at hinde i-remit. walang magawa
yung naloko natin

"Look at us, we owe tons of money to a lot of people and we aren't
gonna pay them back. Haha suckers!"

Look at us, dami naming na loko

"Only losers pay their debts."

Only Frauds collect fraudulently

Caveat !

When we are afraid, in love, too trusting or overwhelmed by problems, our brain shuts down our logical reasoning.So, take heed of those emotions.

2 wks ago I received a call from a J&T forwarding services, ang sabi may package daw ako from USA, sabi ko wala akong kilalang Tony Gao na magpapadala sa akin.Idedeliver lang daw the ff. wk yung package. Kinuha pa nila yung cell no.ko.

Then after a week nakareceived ako ng text msg na "1st last summon letter@XXX, plaintiff vs civil case no. XXXor?(preliminary attachment proptery) w/in 24 hrs @judge Manolo Francisco of RTC 32 subpoena will be served by sheriff escobar/spo2 ortis for violation of RA8484 FRAUDULENT ACT OF 199/CRIMINAL CASE ART 315 D RVSD PENAL CODE YOU ARE BEING SUMMONED TO APPEAR IN COURT FOR PRELIMINARY HEARING PLS CALL 02-xxx TO COORDINATE AND LOOK FOR RENE TIANGCO.

Na-shock ako kasi di ko alam na may case pala ako. Nagreply ako sabi ko wala akong alam tungkol sa case na ito. Sabi nung nagtext from RTC daw sya at tawagan ko daw si Rene Tiango ASAP. Di ko tinawagan yung binigay nyang no. nung May 19 ko nareceive yung txt.

Then ngayon May 29, may nareceive na call yung office mate ko from Police station daw SPO3 Gonzales at may complainant daw sa akin dun sa station at kailangan kong pumunta or tawagan ko sa cell yung babae. Ang ginawa nung office mate ko tinawagan nya yung binigay na no. at kinausap kung anong problm kasi wala pa nga ako sa office lunch brake kasi. Ang sabi daw nung babae kasi may case daw ako na fraudulent act akong ginawa at pati daw sa company namin. di naman sinabi anong klase yun.Sabi lang tawagan ko yung boss nya or sya para malaman ko. So, Syempre kinabahan ako bakit may police ng tumatwag.

Tinawagan ko yung no. at hinanap ko yung boss. Nung nakausap ko sabi ko wala akong narereceive na demand letter or subpoena man lang about the case. Sabi nya di daw ako nagbayad ng bankard ko mga 200,000 thousand pesos ngayon umaabot na sa 600,000. pesos. Nagulat talaga ako sabi ko matagal na yung bankard credit card ko siguro ten years ago na yun at ang natatandaan ko lang mga 10k lang yung di ko na settle at na di ako siningil.kaya akala ko wala na. yung di ko nabayaran pero di naman aabot sa ganung halaga. tsaka di naman ako lumipat ng bahay at nagresign from work nung mga panahon na yun.

Tapos tinanong nya kung may check ako at bayaran ko lang daw yung amt. Ano? sabi ko simpleng employee lang ako at wala akong ganung halaga. Basta sabi nya puntahan ko daw yung secretary nya dun sa police station para malaman ko yung complaint.Kung di ako pupunta ipapahold nya ako sa police at pupuntahan ako sa office.

ang ginawa ko pinatawagan ko sa Atty. namin yung nakausap kong lalaki na di naman pala atty. at ang sinabi lang naexplain na daw sa akin kung ano yun. Nung nakausap ko yung atty. namin puede akong di pumunta dunm pero para daw malaman ko talaga kung anong klaseng kaso yun punthan ko pero magpasama ako sa kapatid ko.

Kaya pumunta ako sa police station at nagtanong kung meron bang nagfile ng complaint sa akin, wala naman daw, sabi baka sa ibang police station kaya tumawag pa sa radio yung police kung meron sa ibang station pero negative naman.

Statement Of Account

You failed to pay your credit card billing for one (1) year. Now they are offering you a SPECIAL OFFER based on this Statement of Account.
CHIANG MAI CHARTERED CITY CREDIT CARD COMPANY (Statement of Account)

************Amount*billed*********Comments
Principal*******P*20,000.00*********This is your total
************************************availments/transactions.
Interest**********10,221.37*********@3.5% interest per
************************************month, compounded
************************************monthly. This will
************************************amount to 51.1% p.a.
Penalty**********12,000.00*********@5% per month; will
************************************reach 60% p.a.
Total*Due********P 42,221.37********111.1% total charges
************************************for one (1) year
Collection Exp. ****10,000.00********How they incur this
************************************expense for a P20,000
************************************debt baffles me.
Sub-total********P 52,221.37*********Total charges is now
************************************161.1% and counting.
Attorney’s Fee*****13,055.34********@25% for failure to pay
Total**********Php 65,276.71********Are you crying now?
“Special Offer”******(13,055.34)*******Waiver of atty’s fee.
************************************Actually, it should not
************************************be included in the first
************************************place; there is no
************************************litigation yet.
Final*Amt********P*52,221.37*******This*is*the*total*due*to
************************************be restructured
Interest*************9,399.85********But….another*18%*p.a.*
************************************interest!**
Final*Amt******Php*61,621.22*******Pay*in*straight*12*equal*
************************************monthly*installments
***************Php*5,135.10/mo*****37.96%*effective
**********************************interest;*47%*of*Principal

SUMMARY:
Here’s*what*they*earned*on*your*P20,000.00*balance:

******************Amount*billed******Comments
51%**Interest******10,221.37************Interest*on*interest
60%**Penalty******12,000.00************Remember*your*
****************************************Indian friend?
50%*Collection*Fee*10,000.00***********Is*this*the*chit*
****************************************from Manila*Hotel?
47%*Addt’l.*interest*9,399.85************Interest*on*interest*
****************************************earning*interest
*******************41,621.22*
Divide*by**********20,000
*********************208*%**************Now*you*know******************************************why*it*is*called*
*****************************************“excessive,*
*****************************************unconscionable*and*
*****************************************immoral*charges”?*


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