Credit Card Debt Collection Practices Considered Unfair Under BSP Regulations

[rugby_boys]

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ilisi nalang na tanan imong contact numbers bro. sulbad nana,.. pero ang problema kung mo abroad ka puhon sigurado ma sangit jud ka ana imong record kay ma block list man ka ana. akong mga kaugan nga nang resign na sa amo company nag pundok ilang bill diri sa office. hehe hayahay kaayo mga karaho di na matrace. lolz

ma trace gihapon na nila bro kay mangita jud sila ug paagi nga matrace nila ang CH..

[necrotic freak]

^^bisag nanglupad na sa abroad bro?

[anut]

FEARS of Credit Cards?

1. I will go to jail
Utang is a civil liability. Imprisonment is for criminal offenses.
Therefore walang pakialam ang :

a. Police - they handle peace & order

b. NBI - NBI Clearances cover criminal cases It contains the entire criminal history record
(Criminal Incident History) from the different judicial courts and law-enforcement agencies

c. Immigration - Hold Departure Orders are for criminal cases

d. DFA/Embassy - Passport/Visa issuance is not dependent on CCs

e. Barangay - They cannot entertain complaints from a corporation

f. Courts - They mediate not collect

g. Other Countries - Their laws are not applicable to us.

Cheers!

read more here: http://diskarteforum.niceboard.org/login

[hayden]

Tumpak!

FEARS of Credit Cards?

1. I will go to jail Utang is a civil liability. Imprisonment is for criminal offenses.
Therefore walang pakialam ang :

a. Police - they handle peace & order

b. NBI - NBI Clearances cover criminal cases It contains the entire criminal history record
(Criminal Incident History) from the different judicial courts and law-enforcement agencies

c. Immigration - Hold Departure Orders are for criminal cases

d. DFA/Embassy - Passport/Visa issuance is not dependent on CCs

e. Barangay - They cannot entertain complaints from a corporation

f. Courts - They mediate not collect

g. Other Countries - Their laws are not applicable to us.

Cheers!

read more here: Log in

[alfalfa]

And then, na-priso tong wa nakabayad?

dili man ka ma priso kay civil case man lang na. it was merely a collection of sum of money. we attached one of his properties. pero nakig settle man lang cya.

if the amount is less than 100k, it is a small claim case. we had a number of these. the case is finished in 3 days. technically, one day ra kay kausa ra ang hearing.

sa mga wala pa, ayaw na lang mo kung dili kaya kay kung nahasol mo sa mga telecollectors, pati cla mahasol ninyo!

[mybuuz]

charge to experience, when they noticed a change in my payment pattern sige na dayon panawag samok kaayo. ako nalang gi-settle by 2years para wala na sige tawag. in fairness sad kay mo-respect sad sila kung imo ingnon panawag lang ug office hours.

[anut]

being paranoid of your CC?

When collectors threaten you or to visit or etc....
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.Their authority from the supposed collection agency;
2.Appointment of their Collection Agency by the bank ;
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/TRESPASSING!

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.

from Banker blog post

[yacky2006]

being paranoid of your CC?

When collectors threaten you or to visit or etc....
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.Their authority from the supposed collection agency;
2.Appointment of their Collection Agency by the bank ;
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/TRESPASSING!

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.

salamat sa inputs bro.

naa gyud uban entrapment ang move. Naa ko kaila na biktima ani, diha pay NBI agents ug police kunohay. fake ra diay tanan.... mao ni pait kung utangan

[anut]

other case pwde mo sue sa collector... hehehe

1. Art. 128. Violation of domicile ( pilit pumasok ; ayaw umalis)

2. Art. 280. Qualified trespass to dwelling ( pumasok kahit ayaw mo)

3. Art. 282. Grave threats ( tinatakot ka)

4. Art. 283. Light threats ( blackmailing and extortion)

5. Art. 287. Light coercions ( kinuha gamit mo dahil sa "utang" daw)

6. Art. 155. Alarms and scandals ( pinag-sisigaw ang utang mo)

7. Art. 315. Swindling/estafa ( walang authority ng banko)

8. Art. 318. Other deceits ( iba't-ibang style na panloloko - Dubai?)

9. Art. 298. Execution of deeds by means of violence or intimidation (pilit pinapa-pirma sa Amnesty/Mga Kasunduan)

11.Art. 336. Acts of lasciviousness ( self-explanatory.lol!)

11.Art. 353. A libel(pam-babastos sa sulat o text)

12.Art. 358. Slander — Oral defamation

13.Art. 363. Incriminating innocent person (ma-RA 8484 ka daw)

14.Art. 364. Intriguing against honor (pinag-kakalat na may utang ka)

[ong76win2]

being paranoid of your CC?

When collectors threaten you or to visit or etc....
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.Their authority from the supposed collection agency;
2.Appointment of their Collection Agency by the bank ;
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/TRESPASSING!

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.

from Banker blog post

Thanks for sharing this.