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

Anti-Caveat

Here's a look at how "confidence" not "meekness" works for you

...hehehe i've really learned a lot from this blog banker and i owe this to you. I really feel so much better now, no more fears despite the fact that i am not yet debt free but somehow i've learned how to handle this kind of situation.

Another incident just a while ago, an account officer from SCB called up looking for me. As usual, i pretended to be somebody else and used different name. Ito yung naging conversation namin.

Collector (C): Ms. Worried please

( Normally pag may maghahanap sa akin whether official business calls or not, pag ako nakareceive ng call palagi ko sinasabi she's out of the resort or office)

Me: Sorry ma'am she's out of the resort right now.

C : Saan ba siya nagpunta?
Me: She went out to government agencies for some official business.
C : Alam mo Ms. X since blah blah blah.... hindi na namin siya nakakausap. sa'ng govt agency ba siya nagpunta? (galit na galit na siya)
Me : Nagpunta siya sa PHIC, BIR, HDMF, SSS... do i have to enumerate pa ba yung itinerary nya ma'am?

C : Ano ba talaga position nya jan?
Me : HR Personnel Ma'am ( I didnt say my exact position title)
C : Eh ikaw ano ba position mo jan.
me : Payroll Officer Ma'am
C : under ka ba nya o same level lang kayo?
Me : same job level
C : alam mo palagi kami tumatawag jan pero ikaw palagi sumasagot ng calls, ikaw lang ba tao jan sa office mo. Nire-relay mo ba mga tawag ko sa kanya at bakit palagi siya out of the office.Pwede ba makuha cellphone number nya
Me : Hindi mo naman siguro pwede questionin yung trabaho ng tao, that's part of her job at wala ka na pakialam don. i can not give you her cell no. and it would be impossible if you dont have her cellphone number. tawagan mo nalang siya if you really want to talk to her kasi she's not in the office nga right now.

C; Yun nga ang problema kasi she's not answering her phone. Maraming beses na kaming tumatawag sa kanya pero panay ring lang yung phone nya.
Me : Well that's not my problem anymore. Hindi ko rin pwede utusan yung tao na she must answer her phone kasi it's personal nga. Tsaka it's her phone not mine.

C: (hala grabe super galit na si manang). ok i think she's hiding. Tell her that this is from the legal office and blah blah blah ( but she failed to mention the name of the bank so i interrupted)

Me : From what bank is this? (pero panay parin satsat nya. non-stop na yung bunganga nya so i said "hey, this is not a business call for Ms Worried nor for me, I am asking you what bank is this kasi ang dami mo ng satsat and im busy. How would i relay to her na tumawag ka na hindi mo pa nga sinasabi kung what bank are you representing)

C : This is from SCB masmaganda siguro kung yung boss nalang ni Ms Worried yung kakausapin ko. Sino ba ang may ari ng company nyo?

Me : The owner is in japan Ma'am baka gusto mo tawagan sa Japan office namin kasi don cya naka base hindi dito

C : Ok can i have the name and tel number
Me : Well im sorry Ma'am but im not in authority to disclose the owner's name and the office number.

C : ( grabe na talaga galit nya ) Ako ba Ms X niloloko mo? You want me to call the owner or Japan office but you are not giving me the number.

Me : Well ma'am binibigay ko lang sa'yo yung gusto mo mangyari. You said "I want to talk to the owner or Ms Worried's boss" then im telling you where's the owner. So what's the problem then? Am I not giving you a favor?

Hayun sa sobra galit nya binagsakan ako ng phone. hehehehe
Ang sarap din kung minsan mag entertain ng pikonin na collectors.


Posted by Ms.Worried
Tuesday, June 10, 2008 3:34:00 PM PHT

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.

My Worse Nightmare

Gas prices going up daily that you want to kill yourself? It's nothing compared to the daily harassments CC victims experience. Here's the real worst nightmare:

HI everyone. I've been reading posts here and want to share my 2 cents.. I've been through a tedious court case involving a loan with usurious interest. It's now in CA on appeal by the other party claiming i need to pay principal + interest + compounded interests. My claim is to pay only the principal since we don't have any written agreement. Nanalo na ko sa RTC, so inelevate nila sa CA. Being involved in a case like this opened my eyes to our civil rights and legal rememdies available to people na nababaon sa utang. Believe me, DON'T GET INTIMIDATED BY THE PROSPECT OF BEING SUMMONED TO COURT. Judges favor mediation between parties. Pag umabot na sa court, mas malaki nga ang mase-save niyo lalo na if you tell the judge you can only afford a certain amount to pay. Ex: may judge na sa isang BP22 case may utang na 78T, e 10T lang ang pinabayad ng judge dun sa pinagka-utangan nung tao na may case filed na bouncing check. Maniwala kayo, di kayo pakukulong ng judge sa utang.

Yes, my case is against a couple. The amount we're talking is in the millions. Actually nag claim na ako na bayad na ang utang ko, sa laki ng interest na naibayad ko na sa couple na ito. Sabi nga ng RTC may utang pa sila sa akin na P2M. Kumbaga, I already overpaid due to the unconscionable interest charged me, e wala naman kasing written agreement. However in the case of credit card, may agreement tayong pinipirmahan right? Kaya lang super unconscionable din ang interest nila. Ang point ko lang, most of the concerns here are apprehensions about being haled to court for credit card debt. Gusto ko lang iparating sa lahat na HUWAG MATAKOT SA COURT ORDER kung totoong umabot na sa demandahan (however in the case of most cc companies e pananakot lang ang ginagawa). Based on my experience (meron na din akong several experiences on failure to pay cc dahil nga dito sa malaking pagkakautang ko sa couple na ito, di ko na nabayaran cc bills ko), I would rather face a judge in court than face creditors na tatakutin ka sa garnishment, etc. Alam nyo bang mag-file ka lang ng case e malaki na gastos mo? You have to pay filing fees, lawyers fees, not to mention the hassle of attending hearings.. cc companies avoid going thru all this expense and hassle, kaya inaasahan nalang nila ang collection agencies or insurance.

alam ng mga cc companies na pagdating sa court ng collection case, e sa mediation lang ang bagsak, meaning, magkakatawaran din sa harap ng judge. this is what usually takes place before the judge during a mediation between creditor and debtor:
judge: how much is the amount we're talking about?
debtor: Php xx amount, say P100t
judge: both parties are willing to settle?
both: yes
judge: debtor, how much can you afford to pay?
debtor dictates the amount. kahit sabihin mo P5t lang kaya mo ibayad the judge will accept that.
judge: creditor, can you accept that amount?
usually pag sinabi ng creditor unacceptable, the judge will encourage tawaran between parties to arrive at a settlement beneficial to both parties. the judge knows how much cc companies suck on the blood of debtors kaya mas pinapaboran nya ang pobreng debtor.
ayan, narinig ko na ito while sitting in several courtrooms during the course of my case. sana mapanatag na kayo.
siempre this is not always the case but ito lang yung sinasabi kong reality.

From the post of Sanay Na

Paranoia Synopsis - Answers To Most Queries

Signs - Animated



SECTION A - FEARS :

1. I will go to jail

Utang is a civil liability. Imprisonment is for criminal offenses.
Therefore walang pakialam ang :

a. Police - they handle peace & order
b. NBI - NBI Clearances cover criminal cases
It contains the entire criminal history record
(Criminal Incident History) from the different
judicial courts and law-enforcement agencies
c. Immigration - Hold Departure Orders are for criminal cases
d. DFA/Embassy - Passport/Visa issuance is not dependent on CCs
e. Barangay - They cannot entertain complaints from a corporation
f. Courts - They mediate not collect
g. Other Countries - Their laws are not applicable to us. Remember Contemplacion?

2. They will visit our house and get my properties/Cause a scandal

Trespass To Dwelling is a crime against security - kulong sila.
Is there a court order? file muna sila ng case!
Get your properties? does your name appears in your electric fan?

Sec.13 of Rule 39 of the Rules of Court outlines some properties
they cannot get from you :
- family home
- salary/pension
- furniture ( beds/dining tables etc.)

Check mo Crimes Against Honor - Art. 353(Libel);Oral Defamation etc.

3. They will charge me with RA 8484 because:
-I transferred residence/office/went abroad
without informing them;
-I am defrauding creditors by not paying.

Did you used a fake card and supplied faked information?
(reasons why you do not want to pay)
Did you left your place “surreptitiously”? (look for its meaning)

If your answer is “YES”. Then, maybe you are guilty indeed.

4. They will file a case.

The Worst They Can Do, or What You Have Been Afraid Of

They wont ; They cant. Impractical, expensive,waste of
time and pointless. What makes you more important than the
other 999,999 accounts?
You've been complaining about high interest before? Now is the time.
Our compassionate Judge usually reduces it to 12% Interest PER
ANNUM na lang, ayaw mo pa noon?

And, even if they file a thousand cases against you, if you do not
have the money or identifiable properties, That’s IT!

5. They will come and talk to our Manager/HR ; cause a scandal

See no. 2 above and some suggested diskartes below

6. I issued PDCs.

BP 22 has been decriminalized. Just attend when invited. That is the
only requirement.

7. My account will balloon because of continued interest and charges.
I surrendered already my card but the charges wont stop.

Your card is automatically suspended even without you asking for it.
Your account will continue to incur interest and other charges
"until fully paid" - That is what your Card Agreement says.
So, it will never stop, but collection efforts can.

8. I will be BLACKLISTED

You cannot erase an experience,even if you pay it now. but you can
justify it - nawalan ka ng trabaho e. A good credit officer( not them
CC officers)looks beyond that experience.Why not try to find it out?
A good number of people do get to be issued new credit cards despite
the experience. Try before you quit. Pakiusap lang,
LEARN FROM YOUR EXPERIENCE.

SECTION B - Sources of Harassments:

a. Collection Letters

You already know what's inside. Throw it right away without even
opening it. No good news there. It will just spoil your day.

b. Text - SMS & Calls

delete. avoid sending replies. sayang ang load
divert those calls.

c. Visits

Ask for their ID, authority as representative and/or Court Order.
You have the right to refuse them entry if they cannot show one.
Then call for police assistance (This is their ACTUAL function)

Ito ngayon ang may imprisonment:
c.1 Trespass To Dwelling ( Crime Against Security)
c.2 Fraud - Pretending to be somebody
c.3 Extortion
c.4 Robbery
c.5 Oral defamation

d.Calls - office and home landlines

We always assume they are from the bank
how can you be sure? ask them that.

d.1 Don't take the calls. You have other better things to do.
d.2 If you can't avoid it, just make your replies simple, even if you
do not mean it, to avoid prolonging your agony
d.3 No need to explain why you cannot pay, plead that you be given
time,nor engage in an argument - all pointless.
d.4 Can't take the call anymore? Bang the telephone! That is your right.

e. Call/Text Messages

e.1 A case has been file already. To stop, call this number
- You cannot stop a case if already filed. It has to be formally
withdrawn
- Did you actually received a Summons? Ano ito,shortcut?
e.2 You have a package for pick-up
- You should know better

SECTION C - Venues for Sama ng Loob

Bangko Sentral ng Pilipinas is our friend.
So is the Bank President.
IBP/Supreme Court can remind lawyers
This Blog reduces tensions
Your friends are willing to lend an ear
Our support group - Diskarte, Pilipinas ! is on your side.


SECTION D - The Golden Rules on Credit Card Paranoia

Rule No. 1 – If you cannot pay, don’t
Rule No. 2 – Prioritize your need ; not their greed
Rule No. 3 - Don’t let them control your life. It’s your life anyway
Rule No. 4 - Disregard….delete…..dedma
Rule No. 5 - Dare To Fight Back ; Dare Their Bluff

Paranoia Prescriptions - How To Settle Your Debts

Signs - Animated

1. Ask for a Statement of Account

Duly signed and Certified Correct by the Bank
Under Pain of Perjury

This is the FIRST step. You mean you are willing to accept just ANY
amount just because sinabi nila ?.... okay, I give up then.
go ahead, pay.

Otherwise, you cannot go to Step 2 without resolving this issue first.

Mga Maling Rason Nila( Alibi):
1.“Ma’m, its confidential”
Reply – “ Then, I’ll pay ‘confidential’ na lang”
2."Ma'm, sayang ang AMNESTY PROGRAM mo!"
No such thing. jack-up the price, then "reduce" it - much like
those Midnights Sales and other promos you hear.
3.Billing Statements are being sent
Those are computer-generated with no breakdowns
4.You have to pay before I give you an SOA
Give me a receipt to show to the bank/BSP/Court

2. Once received, review.
Is it duly signed and certified correct by an authorized bank
signatory? baka hinde authorized yan? confirm it by phone.
You would not want a janitor signing your SOA, would you?

3. Offer what you can afford, not what they want.
You are the one responsible for its payment, not them.
propose reductions or waivers.
(especially those excessive charges!)

4.If there's an Agreement, document it!
No verbal agreement Please. They can deny it later on.
Never trust.

5 If they won't agree, don't force yourself to agree.
borrow from Pedro to pay Juan? (debt consolidation)
"just to show willingness" or stop their harassments"

Wrong reasons for paying. It will only dig you deeper into debts.
You are likewise engaging yourself in a never-ending financial
marathon

6.If no agreement is reached, better let the court decide.

The Court is such a compassionate court that it will reduce your
interest from 3.5% per month to only 1% p.m. ; penalty from 60%
per annum to 12% per annum and about P 10,000.00 attorney’s fee
instead of 25% of your total obligation.
Ayaw mo pa noon?


Learn from the lessons from here on.
Avoid making credit cards as your financial crutches.
Respect Money. Dont use it to meet your emotional needs.
There is more to life than credit cards.

NEVER AGAIN.Promise Me.

Utang - What I'd Do!

PLEASE REFRAIN FROM POSTING QUERIES HERE.
THE COMMENTS ARE UNREASONABLY LONGER.
INTEAD,USE THE SEARCH BOTTON THERE - - - - >

1. Ask for a Statement of Account

This is the FIRST step. Otherwise, you cannot go to Step 2 without resolving this issue first.
You mean you will just accept ANY amount just because of their say so?.... okay, I give up then. go ahead, pay.


2.Once received, review.
Is it duly signed and certified correct by an authorized bank signatory?
You would not want a janitor signing your SOA, would you?

3.Offer what you can afford ONLY,not what they want.
You are the one responsible for its payment,not them.
propose reductions or waivers.
(especially those excessive charges!)

4.If there's an Agreement,document it!
no verbal agreement. they can deny it later on.

5 If they won't agree, don't force yourself to pay even if you cannot afford.
it will just dig you deeper further into debts.

6.Since no agreement can be made,let the court to decide.
(definitely, the court will reduce it!)

So now, you have your reason everytime they call.
How can they collect when you are still asking for that SOA?
How can they charge you with RA 8484(Intention to Defraud)?
How can they file a case when you are willing to settle it?

Learn from your lessons after that. Avoid making the credit card
as your financial crutches.

for supplementary reading :

http://failuretopaycreditcard.blogspot.com/2010/10/i-want-to-pay.html