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Unbelievable
Collectors saying they will file a case?They wont ; they don't ; they can't!Gusto mo malaman? dare their bluff.And enjoy their reactions!
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Afraid
The fear never ends.I know you lost your job,you were a good payer before,can no longer pay your cards anymore,received demand letters, calls, text messageshome visits, office visits and barangay...
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Resbak
I would like to share my experiences regarding rude CA who came to our office to collect the unpaid debt of my co-office mate.This agent comes arrogantly inside our office and ask for the name of my...
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Crazy
You cant pay anymore.so you went to the bank for restructuring of your account.they wont.Instead, they merely referred you to their abusive collectors.Option?Wait if they take you to court.Same thing...
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Just-Tiis?
MEMORANDUM CIRCULAR NO. 04Series of 2010STANDARD OFFICE PROCEDURES IN EXTENDING LEGAL ASSISTANCE TODELINQUENT CREDIT CARD HOLDERSSection 1. Clients – Pursuant to the mandate under the Administrative...
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"Small Claims" Court
1. Scope -purely money claims not to exceed One Hundred Thousand Pesos (P100,000.00);and -does not include interest and costs. 2.Kinds of claims covereda. actual damages caused to vehicles, other...
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Going Abroad
Bureau of Immigration- handles the administration and enforcement of immigration, citizenship, and alien admission and registration laws.SOME RESTRICTIONS ON THE RIGHT TO TRAVEL OF FILIPINOS:- A Hold...
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Draft Complaint
One of the tricks of collection agencies is to write you a demand letter, then attach yung"draft complaint" kuno.I dont see any logical purpose in doing so, exceptmaybe to coerce and fool you into...
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Warrant of Arrest
Text ni Mr. Collector" Please be informed that you have a pending warrant of arrest" FRAUD" To Hold,call Atty. Ek-ek at 999-8888" BLACKMAIL" Pay at least P 5,000.00" EXTORTIONIf you are arresting...
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Help Not Blame
THIS IS A REPOST FROM 2008What to better define people with credit card problems - worrywarts? oppressed maybe? or victims? Would exploited CreditCard Defaulters be most appropriate?From the start,...
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Emotional Blackmail
While surfing last week, I chanced upon an article:Emotional blackmail are attempts to influence or control by manipulating emotions. Emotional blackmail often follows a cycle of :Demands - Resistance...
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Amnesty Fantasy
What is there to waive if your debt is already "closed".Who is waiving but just the collector and not the lender,who by the way is no longer interested to collect ( for a "wondrous" reason)How sure are...
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The Parable Of The Ten Lepers
Leprosy was a terrible skin disease,it just like having defaulted cards.One tends to shy away from people because one feels having a debt is humiliating.The story about the ten lepers occurred when...
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This Is My Country,The Only One I Got!
We deserve the kind of leader we choseOriginally published May 30, 2010
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Forbidden Words
four words collectors do not want to hear from you: I will pay now go...
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Forbidden Words
four words collectors do not want to hear from you: I will pay now go...
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My Wish List
Five things I wish everyone would do:1.Introduces self , kahit man lang alias, just to have some semblance of personality;2.Goes straight to the point at hinde na i-kwento ang buong buhay...
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Restructuring of Credit Card Accounts
BSP Circular 760 Series of 2012 has deleted the word "restructuring" from Manual of Regulations for Banks as regards "Unsecured loans requiring co-maker"This effectively mandates bank to no longer...
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Grace ( or Ano Mapapala Ni Banker Sa Ginagawa Nya)
First book to read after a long time. Given by my daughter on my birthday and took me two months to finish!Talks about grace and asks if our lives proclaim it as powerfully as our words.Can't tell you...
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