Diskarte - Questions and Comments

How our eyes would strain reading those over a hundred comments! I opened another chapter here to help you avoid that experience. However, it is advisable to visit regularly our Diskarte Bulletin for any advisories.

Post it away........

Got Any Query? Series II

JUST SOME REMINDERS

Go to our Diskarte Bulletin(January 2008) chapter first to view any advisories.

THIS CHAPTER IS CLOSED FOR YOUR CONVENIENCE
Please go to "Diskarte - Questions and Comments"

The most Frequently Asked Question is "What Shall I Do With The Collectors?"

Answer :
Ignore, if you can.
If not, dont argue,explain or plead. pointless.
The more you entertain them, the more you get harassed.
( check the dictionary meaning of entertain )

Got Any Query?

The blog would have covered almost all questions you might have about credit card paranoia. But I wont deny you the freedom to ask them yourself, so here it is.

After going thru the different chapters of the blog, you can post your query in that section (although medyo mahaba na), posting it here might be better for you and our regular visitors?

What's Your Paranoia Score?

This is now the 20^th chapter of the blog. Take this simple test to find out if you can now move on or is still stuck in the Credit Card Paranoia quicksand.

True or False

1. I will be imprisoned because I failed to pay my credit cards and personal loans.
2. The threat: If I don’t pay today, a subpoena from the court will be sent tomorrow.
3. The attorney informs he has filed a case in RTC about my unpaid P 10,000 debt.
4. They are going to get my properties if I cannot pay them;
5. A preliminary attachment has been filed in court against me.
6. They are collecting from my father because I am just a supplementary
7. A civil case will be filed against me for violation of RA 8484
8. Mr. Collector told me “not to dispose my properties or withdraw my deposits”
9. My name will be published in the newspaper because I did not pay my debt
10. One of my option would be to write the bank president for a reconsideration
11. I transferred residence without informing them. This is a violation of RA 8484.
12. The collector is allowed to call or visit me at any reasonable time.
13. I called the number given to me and talked with Atty. De la Cruz.
14. The collector told me to pay P 5,000.00 first before being given an SOA.
15. They will ask our HR to hold my salary.
16. An HDO will be issued if I returned here due to my obligation with them
17. I am liable for BP 22 because I issued PDCs for my utang.
18. My credit records will be “cleansed” if I pay my utang 10 years ago.
19. I cannot open a savings account if I am on the negative list.
20. The bank can pay my utang from my deposit with them without informing me.

still unsure of the answers? go ask.

The Recovery Ward

Congratulations for having handled your Paranoia! It's time to move on.
And what is better to do it than to seek extra income. Care to share? Diskarte, Pilipinas! was created especially for this.
Let us bury the past.

DISKARTE NI MR .COLLECTOR

Thanks talaga banker for the ideas on how are we going to handle this CC dillema. I have been following your advise not to read those "love" letters from the collectors or entertain their calls. Since i defaulted never na ako nakikipag usap to them kasi i cant pay naman so it would be useless to make a deal with them.

One time a collector from Citibank called up in the office. He was looking for me and fortunately i was the one who received his call. I simply told him na Ms. Worried is on indefinite leave pa and i was using another name. Tapos galit na galit yung collector. He pressumed na ako palagi nakakareceive calls for Ms. Worried dahil siguro sa boses. Then he asked if i informed daw ba Ms. Worried about his calls, and i said yes. Tapos ask na naman siya kung ano sabi ni Ms. Worried and I said wala naman sinabi basta informed her about your calls. To the point na nagalit na talaga siya katatanung kasi as if innocent talaga ako about his concerns for Ms. Worried. Panay tanung kung kelan mag back to work si Ms. Worried tapos sabi ko "indefinite leave nga, hindi mo ba alam ano ibig sabihin non?". Tapos kung anu-ano na sinasabi nya, not knowing na ako yung hinahana nya. So i told him. "hey this is Ms. Worried's boss, if you have personal concerns for Ms. Worried sa kanya mo sasabihin yun dahil wala nman ako pakialam don. And dont harass the people here in the office because this is not a business call for Ms. Worried, she is not allowed to entertain any personal calls". Then i asked his name pero he didnt give. In fact ako ba binalingan ng tanung ng name ko but i told him " No, I wont give my name unless you give your name" pagalit ko rin sabi. Yun napikon si collector kaya binaba nya ang phone...hehehehe

What's YOUR Diskarte?

I made a terrible mistake today :D

I answered the phone and talked with a collector form PSBank. The good news is the collector was very polite. Maybe its because I told him I was the "sister" of the one he was looking for. Hehehe

I guess he was following a script because he was reciting the usual lines.... the account has been referred to us blah blah blah... pay or we will file... blah blah blah.

Maybe its because I never spoke with any collectors since my account became delinquent or maybe I feel a bit tougher, knowing about my rights and such --- I found myself lecturing the collector! about criminal case vs civil case, estafa vs failure to pay due to financial constraints, and even about negotiating with the CC directly.

The collector was actually at a loss for words. I told him there is no point in calling again since my sister (me) refuses to have anything to do with collection agencies and is negotiating with Metrobank (owner of PSBank) directly. I said goodbye and that was that.

after 30 minutes, the phone was ringing again and I let the maid answer it. Hahaha! Surprise! Supposedly it was a long distance call from Metrobank! I guess the first collector talked to his supervisor and decided to retaliate.

Of course, I did not speak with the person! Even as I am writing this, I am berating myself for answering the first call. Now, I can probably expect daily calls!

Sigh!