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Channel: DISKARTE (Guidelines on Credit Cards Paranoia)
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Let's Have Fun With Collectors

Next time a collector calls,dare his bluff with your own bluff.Tell him to meet you in Precinct 5 of the Makati Police (or any )para mag-bayad ka in FULL.para sa ganoon, hinde ka na niya puede pang...

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Imprisonment In Dubai

Ako dati ang ikinakatakot ko is kapag hindi ko nabayaran ang utang san ako pupulutin? But sobrang desperado ko na noon that's why isa sa option ko is magpakulong or "upuan" ang utang. Yan ang uso sa...

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Documents To Ask Collectors

I. Collector's Personal Data- 2 valid Identification Cards ( Company ID and Government-issued ID) -  Authority To Perform Specific Acts as Collectors- Approved Assignment of Accounts of the Collection...

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Matapang At Mayabang Na Collector

Matapang at bastos ang mga collectors kasi:1. Sa telepono or text lang naman yan;2. Hinde sila kilala ;3. Panay babae na defaulters ang kausap nila.Now, kung talagang matapang sila,try mo na papuntahin...

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Control The Conversion

This is a basic for collector harassment calls.Let's try it as a diskarte:CA  : Hello, puede kay Ms. Dina M. Akabayad? ( pag full name, collector ito!)DM : Yes, this is Ms. Dina ( Mag-ingles ka ; CA...

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RA 8484 In Pilipino

Unless you used a FAKE Credit Card, here's the law for regular unpaid cards:Section 9.Prohibited Acts:(j) Obtaining money or anything of value through the use of an access device, with intent to...

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The End

Even if they file a thousand cases against you,if you have NOTHING to pay(e.g. time deposits, condo and/or a Ferrari)you pay them NOTHING.Hinde ka naman puede i-harap sa firing squad.You might end up...

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Bawal Kunin

Collectors often times tell you that they will come to your house and get your things.Without a Search Warrant or a specific Court Order, NOBODY can do that.Otherwise, it's robbery!Even if there is a...

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BSP Cir. 702 Series of 2010

Collector: M'am, Sa Coercion Agency ito. ano po ang plano sa utang ninyo?M'am : Sir, wala pa po akong natangap na endorsement ng Shitty Bank na kayo ang AUTHORIZED collection agency. Puende antayin...

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NBI

Under its enabling law, Republic Act 157, as amended, the NBI is empowered to: * investigate crimes and other offenses against the laws of the Philippines, both on its own initiative and as public...

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Diskarte - The Booklet

Chapter I   Meet Mr. CollectorHe is usually a high school graduate who earns his living on a no-collect ; no-commission basis, employing mainly:1. Pretense (  lawyer/police/NBI,whatever)2. Harassment3....

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To Show Willingness To Pay

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...

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Thank You

Our appreciation for those who posted queriesand 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

 TRIVIA:As of March 28, 2013,  posted comments reached 22,136Guess who actively  responds?only TWO people!

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Ads-Free Blog

                We do not earn money from doing this blog,                    only happiness in helping others.                        Welcome to your home!

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I'm Tired

                                Give me ONE good reason why I should not delete this blog.

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Housekeeping Muna

A few thoughts and reminders...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...

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Trespass To Dwelling

Nobody can enter your home without :a) Your specific consentAny private person who shall enter the dwelling of another against the latter’s will.(Revised Penal Code Qualified Trespass To Dwelling Art....

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Meet Mr. Collector

He is an employee of a Collection Agency.Which in turns likes to impress us like :"Real Mon De Low Office"He earns on a "No Collect ; No Commission" basis.No commission means nothing to eat,or barkada...

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Lumipat ng Bahay

Collectors fool you into paying their commissionby citing this RA 8484 legal ek-ek:"A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his...

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