RA 8484

IF YOU ARE NOT USING A FAKE CARD,

FORGET RA 8484

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Utang Abroad

1. May utang sa Dubai ; I am now in Saudi ( or Pinas)

wala paki ang Saudi or Pinas dyan sa utang mo sa Dubai and vice versa.

hinde naman sila collector ni Dubai!



2. Tumawag ang Bilkish/Enzi at ipakulong daw ako/mag-sampa ng kaso

see no. 1 above

Kaya lang, wag mag-balik doon kahit "transit" lang.

Pero, in fairness ha? masarap pa nga daw makulong sa Dubai keysa

magtira dito sa Pinas - libre board and lodging pa - aircon at masarap

ang pagkain. :D



3. Hina-harass ang pamilya ko.

Sino man ang mang-harass, puede ipakulong.

hinde exempted ang collector.



4.Ano gawin ko?

dare his bluff



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Ang Bilkish/Enzi ay CALL CENTER.

Ang tawag sa collectors nila " Junior Bank Officers"

pero wala silang license to operate dito sa Pinas

ayon sa BSP.



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-------------------a rejoinder ----------------



I’ve been to that same situation before…nakulong na din po ako

..i was in jail for nearly one month and total outstanding ko po is 200k. although combined cards and loan…i got even with some card by sitting in jail and need not to pay them, kc po once na tumalbog yong na-issue na cheque di na pde gamitin ang same cheque para kasuhan ka, nasa custody na yong ng korte as part of your file….although pag inupuan mo utang mo clear ka na…



Here’s the verdict pag utang ka from aed 1,000 to 50,000 that is equivalent to 21 days (1 month in islamic calendar), however, if you have for instance aed 3,000 to 5,000 na utang most likely you’ll stay inside for 7 to 10 days.



Pag tinatakot po kayo ng banko…wag po kayo matakot, ganyan din po ako noon..laging takot, ngaun di na..hindi nila kayo dadamputin hanggat wala kayong police case. walang right ang banko na i-hold kayo anywhere hanggat wala naka file na police case….



also ignore nyo ang mga debt collectors sa pinas better coordinate directly from the bank itself…kaya po ganyan po ka-rude and mga collector na yan dahil po sa komisyon…mga mukhang pera po ang mga yan, they will never care kung kabayan ka nila, specially pag alam nila na nsa abroad.. kung takutin ka nila ng kulong sabihin mo na pakulong ka na lang…



i still have one more credit card left which is FGB, sinisingil nila ako ….sabi ng mrs. ko nsa kulungan ako…so after ko makalaya, tinawagan ulit ako, sabi ko kasuhan nyo na alng ako at papakulong ako, hanggang ngaun po di pa rin nila ako kinakasuhan more than one year na ako di nagbabayad. ang outstanding ko po is aed25K which means less than one month lang ako uupo sa loob bayad na ko sa kanila. kasi pag nagpakulong po ako wala na sila makukuha sa akin or once na kasuhan nila ako…ngaun di nila alam kung pano ako sisingilin…nag-check ako sa dubai courts, police stations wala pa rin ako kaso….bahala na po si batman….mabuhay po ang mga pilipino, lalo na mga ofw.

lesson po natin….”let us spend wisely” ok po ba….



http://failuretopaycreditcard.wordpress.com/2010/09/12/warrant-of-arrest/

Paying Directly To The Bank

The bank will not entertain you.
Refers you instead to its collector.
The collector tells you to deposit your payment
to the bank itself.
Does it really go to the Credit Card Company?

Don't ask me. Ask the collector!

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Happy Reading!

Hope You Can Live With Your Conscience

ang masakit dahil sa series of nervous breakdown ng harassment ng taga Molaer namatay ang mother ko. ngayon ang father ko nmn ang tinatakot nila. aantayin ko pa ba mawala ang nag iisa kong magulang by harassment ng mga ganid na collector? ano gagawin ko malayo ako sa pinas.

The Right Against Self-Incrimination

THE 1987 CONSTITUTION
OF THE REPUBLIC OF THE PHILIPPINES
ARTICLE III BILL OF RIGHTS Section 17. No person shall be compelled to be a witness against himself.

THE SCOPE : It applies to commutative testimony and not mechanical testimony. Commutative testimony involves the use of intelligence on the part of the accused or witness.

It is only when a particular question is addressed to which may incriminate himself for some offense that he may refuse to answer on the strength of the constitutional guaranty. (ROSETE, et al vs. LIM et al., G.R. No. 136051, June 8, 2006)

Kaya next time when a collector calls, try to tell him that per your lawyer’s advice, you are invoking your “Right Against Self-Incrimination”.
and you do not want to answer his questions.

:D

Demand Letter