Retiree's fully-paid house is sold by GSIS to another member

[giddyboy]

---

reminder to retiring/ or government employees with loans to GSIS or other agency. Please make sure your payment are updated. you are authomatically deducted from your salary of your current loan, make sure you get regular print out of your payments, and make sure that if payments have been completed you have a certificate of full payment and get the title of the property if its a housing loan, this is your assurance that if records are clear and your are also cleared of any liability. this will also insure that the remaining family members will surely be the rightfull owners in case you would pass away.

this is a very good reminder...actually this is just common sense. This not only applies to GSIS but to all transactions u have whether its a SSS contribution, a private insurance policy, housing loan from Pag-ibig or from a private bank. Even car loans we should do that also.

There are a lot of subdivisions nowadays which compromises from Phase 1 to 5, under those phases are the blocks, and under those blocks are the house number or the lot number.

Example.
-- Phase 1, Block 5, Lot 20
-- Phase 3, Block 6, Lot 32
-- Phase 5, Block 10, Lot 45

My guess is that a GSIS employee may have encoded a wrong Phase, Block or Lot on their lists of assets for sale. Example..

Actual house -----------> Phase 2, Block 5, Lot 5
Mistaken house --------> Phase 3, Block 5, Lot 5

that is possible...that's also my first guess. But some points i will be stating below (w/ omar50071) REGARDING THE OTHER BUYER that makes u think another different possible scenario.

When Dolores Kapalangan said "When I checked with the GSIS, I found out that I had paid for it completely", I presume she asked for a copy of at least a subsidiary ledger of her payment with a zero outstanding balance.

mao sab. But I also presume wala pa cyay Certificate of Full Payment, or a certification releasing the mortgage. Ky ang precedent man unta ana is na-check na niya from the records nga zero outstanding na cya and submitted it for certification. but saunz, karon paman niya na check nga naa nay bad nahitabo. Worse, maybe the other guy had already one (certification).

Ang ako lang hibulngan is that GSIS declared the property vacant(no occupants), but the suppose buyer didn't bother checking the house first before paying for it.

mao gyud. di ba FIRST AND FOREMOST ACTION nimo when u want to buy a house & lot is to check it first? Why Zulueta didn't do that puzzles me...hmmm. i think i smell something fishy...

Nya ang ako kahibulungan pud is that, per Dolores narration, Zulueta went to the house and took pictures but only after purchasing it. At that point, was Zulueta hallucinating, still believing that the house was "vacant"?

It could be either way: (1) either Zulueta is a buyer in good faith, or, (2) a buyer in bad faith.

WHAT I THINK also is this could be a possible type of scam that has been possibly happening long ago w/ GSIS even before my dad was born. It could be that a scammer (could be in cahoots w/ an insider) knows very well that the house & lot Dolores has been mortgaging will be fully paid in more than decade. What they will do? They will "virtually" declare it as vacant thus giving the scammer to purchase it "virtually", transferring to his/her name, and thus giving him/her the opportunity to use it as collateral for loans!!! All this happening without the "real" owner knowing it...

I have a similar experience, well, but not w/ GSIS. This happened with a loan from a private financing firm (will not reveal the name due to its sensitivity) where we used our family house as collateral. We did not know that the title was secretly (and illegally) transferred to their name. We didn't know that they used the title to loan from a bank. All these happened while we still have not fully paid the loan!!!

[onlyvic]

To top all these problems in GSIS, who's to be blame? General manager? Who?

the crooked system and the people behind it!

[giddyboy]

the crooked system and the people behind it!

if u r talking about technology, the new computerized system of GSIS is not "crooked". It would be more apt to say "flawed". Technology is not a perfect science. New technology always has its disadvantages.

"Technology makes life more complex."

[knightcarl]

Well, this article is one sided..PErhaps this was from Inquirer?

We don't know yet why the occupant was evicted. We should not solely trust newspapers and media especially if they are pro opposition .


..

[LytSlpr]

Winston is trying to turn the GSIS system around and to "improve" it but his moves are all tainted with controversies and his methods are very questionable thereby his motives are being consistently questioned.

Pila'y pusta, mawala na lang na si Winston sa GSIS, his so called system will not be finished or sustained thereby in management principles, is STILL A FAILURE.

Kadugay na ana niya diha, wa man gihapon nahitabo. He is just making these so called new system a reason, a smokescreen if you may. Pang pa pogi points ra ba!

Ang SSS ug Pag-Ibig ni improve na ang system ang GSIS wala lang gihapon.

Basin ang solusyon diha kay tangtangon ang problema, si Winston mismo.

[giddyboy]

Winston is trying to turn the GSIS system around and to "improve" it but his moves are all tainted with controversies and his methods are very questionable thereby his motives are being consistently questioned.

Pila'y pusta, mawala na lang na si Winston sa GSIS, his so called system will not be finished or sustained thereby in management principles, is STILL A FAILURE.

Kadugay na ana niya diha, wa man gihapon nahitabo. He is just making these so called new system a reason, a smokescreen if you may. Pang pa pogi points ra ba!

Ang SSS ug Pag-Ibig ni improve na ang system ang GSIS wala lang gihapon.

Basin ang solusyon diha kay tangtangon ang problema, si Winston mismo.

well, it's not only GSIS having problems but also SSS and Pag-ibig, BOTH MANAGEMENT SIDE and MEMBER SIDE. But clearly GSIS has more.

I chanced upon an article where he (WGarcia) said: "One of the biggest problems the GSIS faces today is the problem of misrepresentation on claiming pensions." He said pension funds all over the world are confronted with this problem, which has resulted to huge losses, to the detriment of their legitimate beneficiaries.

“It became apparent that we had to use the best technologies around and develop something that will allow us to continue serving our pensioners without exposing ourselves to fraud,” said Garcia.

As for SSS, they still haven't solved this Long-Running SSS Online Inquiry Problem for months already. And SSS has the same related problem as with GSIS when it comes to new IDing system that needs the member to have a camera shoot and fingerprint. What if u r already in ur wheelchair? what if u r already bed-ridden? what if u r already abroad but still want to continue w/ SSS?

here's an SSS complaint i found from a poster: "Your online services provides a lot of inconvenience to people.. like in our company, not all employees are well educated about online services..sobrang bagal ng system ang hirap pumasok…"

As for Pag-ibig, recent changes to the HDMF program had caused an enormous strain on the organization's legacy applications. Transaction processing times had increased dramatically, and day-to-day operations were frequently disrupted due to the limited capacity of database files and poor performance of mission-critical applications.

Bro, in management principles, "sustainability" is more inclined to the discussion on ecology where a certain business activity takes place, like "sustainable development". But i think i know what u mean.

what u mean could be "effectiveness" and "efficiency" of a system in the long term. Management will call a system a FAILURE if it does not produce the expected effectiveness and efficiency that it expects.

Like using FMEA (Failure mode and effects analysis) for example.

and btw, what "finished" are u also referring to? AFAIK, there are already some systems in GSIS that have been finished and implemented and some to be finished yet like the G-WAPS. Surely, some of those finished needs to be tweaked or fine-tuned in time but u cannot call that "unfinished".

Coz technology is a never-ending endeavor. There's no end to that.

so with these i mentioned, u cannot call the GSIS system a "failure". Coz it still works for a lot of people and they benefited from the new technology derived. "Flawed" is more apt for that.

Simply put, new technology has its benefits, but at the same time its downsides...

[LytSlpr]

well, it's not only GSIS having problems but also SSS and Pag-ibig, BOTH MANAGEMENT SIDE and MEMBER SIDE. But clearly GSIS has more.

I chanced upon an article where he (WGarcia) said: "One of the biggest problems the GSIS faces today is the problem of misrepresentation on claiming pensions." He said pension funds all over the world are confronted with this problem, which has resulted to huge losses, to the detriment of their legitimate beneficiaries.

“It became apparent that we had to use the best technologies around and develop something that will allow us to continue serving our pensioners without exposing ourselves to fraud,” said Garcia.

As for SSS, they still haven't solved this Long-Running SSS Online Inquiry Problem for months already. And SSS has the same related problem as with GSIS when it comes to new IDing system that needs the member to have a camera shoot and fingerprint. What if u r already in ur wheelchair? what if u r already bed-ridden? what if u r already abroad but still want to continue w/ SSS?

here's an SSS complaint i found from a poster: "Your online services provides a lot of inconvenience to people.. like in our company, not all employees are well educated about online services..sobrang bagal ng system ang hirap pumasok…"

As for Pag-ibig, recent changes to the HDMF program had caused an enormous strain on the organization's legacy applications. Transaction processing times had increased dramatically, and day-to-day operations were frequently disrupted due to the limited capacity of database files and poor performance of mission-critical applications.

Bro, in management principles, "sustainability" is more inclined to the discussion on ecology where a certain business activity takes place, like "sustainable development". But i think i know what u mean.

what u mean could be "effectiveness" and "efficiency" of a system in the long term. Management will call a system a FAILURE if it does not produce the expected effectiveness and efficiency that it expects.

Like using FMEA (Failure mode and effects analysis) for example.

and btw, what "finished" are u also referring to? AFAIK, there are already some systems in GSIS that have been finished and implemented and some to be finished yet like the G-WAPS. Surely, some of those finished needs to be tweaked or fine-tuned in time but u cannot call that "unfinished".

Coz technology is a never-ending endeavor. There's no end to that.

so with these i mentioned, u cannot call the GSIS system a "failure". Coz it still works for a lot of people and they benefited from the new technology derived. "Flawed" is more apt for that.

Simply put, new technology has its benefits, but at the same time its downsides...

Right! Right! All this are absolutely valid BUT the bottomline is, they are giving so much inconvenience to the beneficiaries compared to SSS and Pag-Ibig, regardless of each individual agency's problem.

In my opinion, palusot ra na ni Winston. Why make the legit beneficiaries suffer? If NSO was able to "relatively" turn their system around, why can't GSIS? Private banks and insurance companies made that kind of transition too but they did not give so much hassle to their clients. If they can do it, why not GSIS? That's why I don't really see the point in Winston's alibis. Even in a manual system, a legit beneficiary can be determined and the pension released. Ang bangko di'ay sa una, puro ra man manual ang calculator ra man ang electronic. Mao na naka-ingon ko nga kining biometric thing sa GSIS smokescreen ra ni ni Winston. Heck, it is even possible that Malacanang is "in" on this.

I hope di na mo-boto ang GSIS issue like I think it would. Let's just hope Winston is not closing a Pandora's Box but I doubt it.

Again akong 82 years old na lola mura'g hapit na 2 years wa ka dawat sa iyang pension para tambal. Gipa sige pa nila ug balik sa GSIS, mao ra unya na'y kamatyan maayo na lang de driver ug maid, how about kadtong pobre gyud?

on another note, utro sad na ang PVAO wa na pud release2x ug pension.

at least ang SSS ug Pag-Ibig, dili ingon ani. Mao na lang na atong consuelo de bobo.