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Channel: DISKARTE (Guidelines on Credit Cards Paranoia)
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Thanksgiving In December

November 30, 2012, 2:00 pm
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If you have been blessed by Diskarte Pilipinas, chances are you will either become a “container” or a “channel” of these blessings.

A “container” keeps his blessings unto himself while a “channel” shares these new found hopes to other Credit Card defaulters, knowing fully well how it feels to be a prisoner of this paranoia.

Since 2008, Diskarte Pilipinas has been holding EBs – monthly, Mid-year and Year-enders, to make it even closer to people who needed personal assurance, comfort and assistance for them to move on.. Sadly, We can no longer sustain the efforts, without your help.

Please approach or contact any of the admins/moderators should you wish to be a “channel”.

June 1,2013 Mid-year EB could be our last one.

Wag naman sana.






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2012 Christmas Message

December 22, 2012, 3:13 am
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Some Thoughts For 2013

January 14, 2013, 8:00 am
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 One important lesson I learned from my late father.
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Advise

January 23, 2013, 3:16 am
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If you can tell the difference between good advice and bad advice, you don't need advice.
— Unknown wise person



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They Will File A Case Against Me

February 18, 2013, 2:30 am
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why would they ask PERMISSION from you?
lol!
http://failuretopaycreditcard.blogspot.com/2009/07/they-will-file-case.html

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Forbidden Words

February 28, 2013, 1:36 pm
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                           four words collectors do not want to hear from you: 
                                                     I will pay now
                                                  go ahead, sue me

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To Show Willingness To Pay

March 10, 2013, 1:35 am
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Even if you show willingness to pay,
but you don't or can't still  pay in full your debt,
what choice does a bank has?
It's either to force collection or to abandon collection.

Hence, paying "a little" to show willingness to pay
is pointless.

Just another fantasy peddled by collectors to
squeeze money from you.
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Thank You

March 16, 2013, 8:39 pm
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Our appreciation for those who posted queries
and came back afterwards to say "Thank You",

At least we knew we were able to help you.
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I Got The Answer. Goodbye

March 28, 2013, 3:05 am
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 TRIVIA:
As of March 28, 2013,  posted comments reached 22,136
Guess who actively  responds?
only TWO people!
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Ads-Free Blog

April 3, 2013, 2:26 am
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                We do not earn money from doing this blog,
                    only happiness in helping others.
                        Welcome to your home!
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Incognito

March 31, 2012, 1:59 pm
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Collectors normally do not give their real names.
Reason : when you fool people, you do not want them to know "who you are" don't you?
When people do not give their real names, would you TRUST them? 

April 1 na!
and you know what is means. 

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Home Visits

January 11, 2009, 11:23 am
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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
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Sue Me - Ang Sagot Sa Panloloko

November 5, 2009, 9:42 pm
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Many times we are afraid that we will get sued.
Read on if you still want to pay them, instead of settling it in court

A representative from collection office called me and forced me to pay a certain amount. We negotiated and the amount was reduce to Php5000.She said that after that my billings will return to normal. I even asked for easy installment she said she will call me with the details.She never did, I always called their office but she always say"cge po icheck natin ung acct nyo."

Then my billing came and ung ibinayad ko ay napunta lng sa interest and there was no installment indicated. I called them up and cnabi nila na nkaleave daw ung may hawak ng account ko.Everytime I called gnon ang cncsbi nila.

Then another agent told me na kulang daw and ibinayd ko kya klangan daw bayaran the whole amount or mgissue daw ako ng 6 postdated checks to settle my acct.6 mos lang daw ang longest period nila to settle.The nerve of that woman.

Then I received another letter from a different agency saying this things about RA8484.If my calculation serves me right matagal ng bayad ung princiapal ko.Interest na lng binabayaran ko.

confused girl
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Imprisonment For Debt

June 12, 2010, 10:17 pm
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1987 CONSTITUTION
ARTICLE III
Bill of Rights
SECTION 20. No person shall be imprisoned for debt or non-payment of a poll tax.

RA 8484,and other related laws, punishes you, not because of debt, but because of other things like dishonesty or deceits.

No law is designed to coerce a debtor to pay his debt.
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Office Visits

August 28, 2010, 6:23 pm
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When collectors threaten to visit you,
they will merely hand you a 1/4 s#$t of paper telling you
"to call atty. ek-ek otherwise...."
if he is polite naman,
just receive it without any fuzz.

However, if he makes a scene,and begins to interview or berate you,
remember:
You have the right to refuse entry to anybody, especially collectors.

Ask them for proofs that they are legitimate:

1.Collection Agency authority as required by BSP Cir. 702
2.His authority from the supposed collection agency;
3.Board Resolution of the bank authorizing such appointment
4.Employee ID
5.Statement of Account duly signed by authorized bank signatory
6.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!

The 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 these rude collectors.

see Home Visits here:

http://failuretopaycreditcard.blogspot.com/2008/07/bawal-pumasok.html
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They Will File A Case!

October 2, 2010, 3:00 pm
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No big deal.
Collection Agencies collect, not file cases.
They know this, for practical reasons:
- why file when you can just do a harass-and-collect or
coerce-and-collect modus operandi?
- why spend for unnecessary litigation expenses when
a threatening call will simply do it?
- what if there is nothing to collect even after
filing a case? Debtors stopped paying because they do
not have the money in the first place!

Back read post in this blog.
To know your rights. To know their lies.

By the way, may mga bonus pa ang mga iyan. " Early Birds" or
"Top Performer Of The Month".
see?
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Text Messages

February 28, 2011, 6:00 pm
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When you received a text message from collectors
simply press 'delete'

It will save you from all those worries and questions you normally
ask here.These are LIES anyway.Hinde naman totoo ang mga sinasabi
nila. Pati sila hinde totoong tao! ( judge? SPO1? c'mon)

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A few thoughts and reminders....

April 21, 2013, 2:40 am
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1. This blogsite was created to HELP. The author & moderators do their best to attend to your concerns, but please keep in mind that we, especially Banker, have our own lives outside this blogsite.

Our worlds do not revolve only here.. We have our families, jobs, and there are also other personal things that we must prioritize, and there are other things that we have to attend to.

So, please do not demand to receive an answer right away. It's not as if we owe you an answer when you asked.


2. We always ask everyone to use the search button to find related topics to your concern. Sometimes, the question has been asked so many times, that we feel like not not answering anymore.

When can we get over with the question, "Makukulong po ba ako dahil sa utang?" or with the statements,

"Ipapakulong daw po ako ni attorney.."

 WHEN?

3. When you are too paranoid, and can't absorb anything in blog, and you WISH to speak
to Banker, or any of the moderators, please ask first. We entertain sms, calls, and emails. 
BUT PLEASE.... 

DO NOT DO TEXT SPEAK when sending SMS. Let's be more formal.

You are not exchanging sms messages with a textmate. 

4. We do not earn money here... Only your warmest THANKS and appreciation are the prizes we are receiving. What we truly wish, is that after what you have been through, and after your paranoia has been eased, try your very BEST to be of help to others who have the same situation as yours. 

Blessings never decrease when being shared, as well as Happiness.

The usual scenario here is  that when someone got the answer they need, they disappear... Then, after a long time, a new 
CC problem occurs, they will come back, demanding answers again.

This hit us. We feel like, people will only stay when they need you, and leave you when they no longer do. SAD.

5. Suggestion: "Diskarte Pilipinas: Credit Card Diskarte Forum" is a support group for victims of credit card companies
and their collectors. This forum site is an affiliate of this Blog, and we would like to invite you to join us there.
There are different helpful threads in there, arranged by topics and categories.

The blogsite will be maintained, of course, but we will be more glad to meet you all there.

6. We are family. If you want to become part of it... then WELCOME!

7. Always be COURTEOUS and RESPECTFUL. As I said, we are not paid here. Do not give an approach as if we have "sweldo".

8. Don't forget to thank BANKER, and all the things he has done, and shared just to help us.
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Calls

September 4, 2010, 8:03 pm
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Take the call.
It cant kill you anyway.

1. Make it simple -
answer "yes" or "no"
2. You are under no obligation to accomodate them.
No need to explain, plead, argue. useless.
walang nanalo dyan.
3. Just tell the truth - wala kang pambayad.
4. Inform them:
"according to my lawyer, sa court na lang daw natin
pag-usapan ito. Formal at legal. Ayaw mo na nyan?"
5. After which DONT LISTEN anymore kahit ano pa sabihin niya.
6. If the caller starts berating you, what is there to listen
for? kaya, hang-up or let the table, which has no brain too,
listen to him instead.

these suggestions are practical and common sense approaches.
why listen to an irrational caller?


-------
..just a reminder

Hi banker... I was so thankful that i found this blog... Regarding my HSBC card, last year an agent called and told me to pay my outstanding balance amounting to 24k, but he said to me that there is a discounted amount that could be offered to me, amounting to 10k. I made a loan to our comapny just to pay that amount, but I made it in 2 payments, 5k and another 5k. He promised me to give a certificate of full payment on that. But time passed by, i have not recieve any confirmation from that agent. After 5 months they called me up with another agent, asking for my payment. I told him that I made a payment last year, but I never recieve any certificates. I forgot to get his name, and told me that "naloko daw ako ng agent na yun, marami na raw complaints na ganun". Afetr that call, i recieved a txt msg, that I have to pay my account or if not they will go to our barangay with the attorney. Please help me with this, advise me what will i have to do. Thank you very much...
imeldific....

Posted under " Utang, What I'd Do"
Tuesday, September 7, 2010 1:16:00 PM GMT+08:00
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Demand Letters & Text Messages

August 14, 2010, 5:22 pm
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These come in three forms:
1. Unsealed at tad-tad ng staples na demand letter.
2. a 1/4 s#$t of paper.
3. SMS.

even at unholy hours.

It simply tells you about:
1. Being imprisoned ( IF you kill a cat or under RA 8484 ek-ek);
2. This is your FINAL demand ( you received it a hundred times, though)
3. That they will get your things ( even if you do not have one)
4. To call Atty. Ek-ek otherwise.....
5. That your spouse shall be included under rule 3 sec 4 of the new
rules of court.( eh, single ka? or so what? Wedding vow namin yun!)
6. That you will have NBI,Barangay,Police running after you
( some would even include manhunt operations by the entire AFP,
including the Phil. Air Force and Phil. Navy! - sus, ginoo.)
7. That you will be blacklisted forever in the files of,well, everything!

Since there are no good news there anyway, but only lies:
letters - dont open ; "take and tapon" diskarte
SMS - press 'delete'
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