Like this:
Be the first to like this post.
January 14, 2012
61 Comments »
RSS feed for comments on this post. TrackBack URI
Diskarte : Guidelines On Credit Cards Paranoia
-
-
Authors
-
bankerTheme: Shocking Blue Green. Blog at WordPress.com.
Theme: Shocking Blue Green. Blog at WordPress.com.
Banker can I have you land line number in you office? A mobile phone number?
Comment by ambeliever — January 19, 2012 @ 3:42 am
(082) 221-2578
Comment by banker — January 19, 2012 @ 5:40 am
hi banker.. i think i am actually liable to that RA 8484 thing, as I transferred to another address already. i dont know how they got it, but they were able to trace my new address and sent me a demand letter this morning, it was left in front of our gate (the apartment’s gate, that is, were just renting).
since i dont have enought money to pay the discounted amount that they mentioned in the letter,z my plan is to continuously pay at least 100 or 200 pesos directly to the bank, that way i will still be considered “active” in terms of paying. do you think that will suffice?
Comment by Michelle R — January 23, 2012 @ 3:54 pm
RA 8484 is for people with FAKE cards kaya nag-tatago.
it’s not for CC defaulters.
panloloko yan ng collectors to squeeze money from you.
pay P100.00? forget it.
the bank does not care about your account if it turned over
already to collectors.
if somebody owe you money, would you merely let Juan do the
collection?
have you ever wondered why?
Comment by banker — January 23, 2012 @ 4:54 pm
thanks banker.. im actually more enlightened now, after reading your blog and the comments for about 3 hours now. youre right i shouldnt be bothered by that RA. and i think i am now prepared if ever i come face to face with these collectors from Molaer. Hope i can ask a few more questions banker..
here’s the scope. i owe hsbc 59k. may fixed payment terms na ko last year but eventually hindi ko na na mmeet ung agreed monthly amount ng payment hanggang sa 200 or 100 nalang nababayad ko, hanggang sa november last payment ko. then come january i received an email from Emmie Bationg (who by now is very popular haha) of Molaer Law Firm.
here are my questions..
-is there a way for me to be able to transact with the bank again? i wanted to ask for amnesty sana and eventually settle my account.
-if this is brought to the court, ako din ba pagbabayarin nila ng mga fees? sabi kasi sa letter “in addition, you will also be liable for the cost of collection, attorney’s fee, etc etc, if collection is referred to a collections agency and/or enforced through court action”
-if this is brought to the court, can i ask for amnesty/removing the charges/discount from the judge? i mean, is he authorized to make such arrangements? kasi kung possible un, then i guess ill just wait for this nalang to be brought to court
-and lastly, pag umabot nga sa korte to, magkakaron na ba ko ng record sa NBI?
you are so heaven sent! your good deed has prompted me to start doing something to help others as well. ive started looking for volunteer groups already nang may silbi nalang ako sa mundo.
Comment by Michelle R — January 23, 2012 @ 5:56 pm
1. if they bank is serious in collecting from you, it would either negotiate with you or file a case.
if not, it merely refers you to a collector – whether he can collect or does, no longer matters.
2. theoretically,litigation expenses are added. but it could go both ways. kung mag-bayad ka, it is added.
kung hinde, its another bank’s expenses
3. the decision is always ” You Pay “. amount of obligation plus 12% p.a. interest UNTIL FULLY PAID.
if your fully pay at once, no interest. if you pay after 10 years, PLUS 120% interest.
HOWEVER, even if they file a case against you, kung wala ka namang time deposit, condo or Ferrari, THEEND.
hinde ka naman puede i-harap sa firing squad. lol!
4. NBI handles criminal records, not civil cases like utang.
join us if you wish at Diskarte, Pilipinas! ( diskarteforum.niceboard.org)
it’s a group helping CC defaulters who are victims of collector scams.
Comment by banker — January 24, 2012 @ 5:25 am
I received a motion of execution from the court of makati branch 66 and that there will be a special
sheriff assigned to execute the writ. The bank i am indebted to is BPI, i was issued a credit card that
i did not apply for, the account was supposedly closed in 2010, up until now i am still receiving a
monthly bill from BPI. What is the best thing for me to do at this time? I don’t have any money to pay
them in full. Please help me.
Comment by Irene — January 23, 2012 @ 6:53 pm
What will happen if i hide, or my family does not cooperate with the Sheriff? Should i talk to the Bank’s
lawyer or the Sheriff to know my other options? Is there anything else i can do?
Comment by Irene — January 23, 2012 @ 7:28 pm
even if they file a thousand cases,
kung walang ka namang time deposit, condo, or Ferrari,
THE END.
kunin ang electric fan mo?
ano naman gawin ng BPI doon? ha haha…
CHEAP NILA.
NOBODY can enter your house/premises without your permission, kahit sheriff pa yan.
( he wont do it actually)
that is “Trespass To Dwelling” or Robbery – criminal acts yan.
Comment by banker — January 24, 2012 @ 5:28 am
Natatakot po kasi ako na baka kasuhan pa po nila ako, kung patuloy po akong magtago. Thank you po for your prompt response. So kahit po may pinanghahawakan sila na court order basta hindi ko po sila papasukin ng bahay namin, ok lang po?
Comment by Irene — January 24, 2012 @ 6:13 am
http://failuretopaycreditcard.blogspot.com/2011/12/trespass-to-dwelling.html
Comment by banker — January 24, 2012 @ 11:36 am
hi banker ,
.
I’ve been reading all your responses to credit card issues. But my situation is a little different , I owe 110 thousand from BDO , they have given me a gold card but i did not apply for it. I have been a good payer for 2 straight years but i suddenly went bankrupt , now somebody from MPD ( Manila Police District ) phoned our barangay hall saying that i should call MPD and look for Spo2 Joan Awares of Warrant Section , because a warrant of arrest will be issued if i dont make any payment. So out of fear of being arrested I called MPD back , they told me that i should pay at least 10,000 by the end of this month.They also told me that a case was filed and i did not attend any court hearing…. but i did not receive any notice from them about a court hearing whatsoever.
And currently I have no money to pay them with.i have no Ferrari , condo or time deposits
Will i be arrested ? Should i declare bankruptcy with the bank ? What about amnesty ? Please help.
Comment by Anonymous — January 24, 2012 @ 2:39 pm
matagal na scam ng collectors yan!
anybody can call you and pretend to be attorney ek-ek etc.
and why would they call you about “warrant of arrest or otherwise?”
out of concern to you?
lol!
forget it.
dont follow blindly whatever they tell you.
you are just being made “clueless”…
Comment by banker — January 24, 2012 @ 2:57 pm
Thanks banker,
i am so relieved they sound so real and convincing kasi..
good thing i found your blog!
thanks again..
Comment by Anonymous — January 25, 2012 @ 1:59 pm
good pm atty pantaleon call me and told me to pay initial payment para di maissue warrant of arrest for estafa he call me up again and ask if i pay i told him not sbi ko bkt ako makakasuhan ng estafa eh wala nmn ako tseke inissue s knila ang sagot nya bkt un lng b ground ng estafa i even told him na i consulted a lawyer then sabi nya itanong mo sa abogado mo kung pagissue lng ng tseke ang ground ng estafa i ask him san adress nila di nya ako sinasagot at sabi nya papupuntahan kita sa tao nmin bukas sabi ko i will wait naglakas loob lng po ako sbhin mga nasabi ko what if somebody comes ano po gagawin ko help me po salamat
Comment by tessa — January 24, 2012 @ 8:33 pm
Hi Banker,
Same scenario here, pero nakakabayad naman ako sa citibank late nga lang. Because of my business needs, syempre unahin ko muna yung pasahod, pambili ng supplies etc..etc para pag me collection ako yun ang ipambabayad ko sa credit card ko. kaso last dec, hindi ako nakapag bayad dahil na-delay yung collections namin until now wala pa rin akong collections. From Dec till yesterday tawag ng tawag yung citibank sakin, i told them na magpe-pay na lang ako ng interest and penalties kasi wala naman talaga akong ibabayad by end of jan sabi ko bayaran ko sila. pero ganun pa rin tawag pa rin sila ng tawag 3x a day pa.. nakaka stress, given na wala ka nga ibabayad kukulitin ka pa rin.. hanggang sa sabi nung girl na tumawag sakin, talaga daw tatawagan ako ng tatawagan kasi nga raw hindi ako nakapag bayad, magbayad daw ako para hindi nila ako tawagan. tapos binagsakan ako ng phone. Nakakabastos, hindi naman sila ang inutangan ko at sinisingil naman nila ko sa penalties & interest ng hindi ko pagbayad. Kaya ngayon, i-fully pay ko na sya then gusto na ng husband ko pa-close na yung credit card ko.
Comment by Peng — January 25, 2012 @ 2:07 pm
succumb to blackmail?
I understand.
collectors do that to earn commissions.
http://failuretopaycreditcard.blogspot.com/2010/09/calls.html
Comment by banker — January 25, 2012 @ 2:52 pm
hi banker, to whom should I ask for SOA? may cc issues din kasi ako with citibank, hsbc and unionbank which started when I became a single mom. before, i was a good payer. i wonder how i could reach them? sa customer service kc nirerefer ako sa collections agent nila.
after I get my soa then saan ko ba dapat isend yung proposal letter ko? thanks a lot!
Comment by scorpio87 — January 30, 2012 @ 10:42 am
go personally to the bank and ask for their recovery/remedial unit.
CSR? walang alam yan.
Comment by banker — January 30, 2012 @ 11:52 am
hi banker someone texted me that EW bank will shedule a property field visit sa house namen. is this legal??? everyday my new number na ngtetext sa akin even sa madaling araw for my balance sa bank.
Comment by cheche0216 — January 31, 2012 @ 1:40 pm
press ‘delete’
just because sinabi niya EWB maniwala ka na.
authorized ba siya to enter your house?
of course not! only YOU can approve it.
kahit sino mang hudas yan. heheheh…
Comment by banker — January 31, 2012 @ 5:16 pm
thank you so much banker
for the advice. actually i have two cc’s na wasn’t able to pay dahil di kaya na ng expenses ko, nkk-bother lng sila dahil everyday my new number na ngreregister sa phone ko tapos even sa madaling araw ngtetext sila knowing na they can only do their jobs during business hours lng. sobnrang torture na tlga sila eh…
Comment by cheche0216 — January 31, 2012 @ 9:30 pm
try to visit http://www.failuretopaycreditcard.blogspot.com
in the “Search This Blog” box, type the key words like “calls” “text messages”
etc.
Comment by banker — February 1, 2012 @ 5:51 am
dear banker,
your blog is very interesting, unfortunately, i have asimilar case of harassment but its not about credit card. does the information in yourblog also apply to BDO personal superlite loans? this collectors have been very rude! as in BASTOs! parang hindi tao yung kausap nila. thank you for your time.
Comment by Anonymous — February 1, 2012 @ 1:46 pm
yes. all are utang.
Comment by banker — February 1, 2012 @ 1:48 pm
dear banker,
your blog is very informative! unfortunately, i have the same harassment from collectors ofmy own. but my case is not about credit card. i incurred a debt amounting to 60k from bdo superlite personal loan. does it apply to my case also?
thank you very much!
Comment by Anonymous — February 1, 2012 @ 1:48 pm
thank you very much!
Comment by Anonymous — February 1, 2012 @ 1:50 pm
one more thing banker,
they ask me to pay at least 1k to facilitate whateverthey are saying in my account. that i can pay, i usually pay through bdo (the bank where i incurred my debt). isit advisable to continue doing it i should settle the entire amount through the bank? are there steps to undergo in settleing my account? lets say, entire amount or stagard payments?
thank you again!
Comment by Anonymous — February 1, 2012 @ 1:56 pm
go personally to the bank and negotiate or pay.
dont deal with collectors.
if the bank will not entertain you,
the safer venue is the court.
Comment by banker — February 1, 2012 @ 2:56 pm
sir, i called a person who happens to be a credit collector. she said na P27,000 na daw outstanding balance ko. i said na P19,000 lang yun before. kasi nga daw, kada-agency na lipatan ng acct ko, may additional interest na. i told her na wala ko work. she said i can pay P15,000 to close the account. i remember na year 2008, start ko sa amnesty, was supposed to pay P1,063/month for 12/months, but citibank transfered the acct kahit pa nag-pay ako, i think na-delay me ng isang month lang that time.
panu po yun. ma-demanda po ba ako kasi nag-sign ako ng amnesty? nainis na kasi ako why they had to transfer sa agency when i was paying.
please advise po. wala po talaga ko pambayad.
Comment by mike — February 2, 2012 @ 9:29 am
the court – formal, legal and fair.
same thing will happen – you negotiate and pay what you can afford.
collector? dare their bluff.
they wont; they dont; they cant!
Comment by banker — February 2, 2012 @ 10:25 am
salamat po. im willing to pay din naman, but for now, i need to focus more on how to generate income to support my family.
Comment by mike — February 3, 2012 @ 7:45 am
Rule No. 2 – Prioritize your need ; not their greed.
ang banko ang hinde magugutom.
Comment by banker — February 3, 2012 @ 9:39 am
hi good pm po,
pinatawag po ako sa brgy. namin, may tumawag daw po na police sa kapitan ng brgy at pinapahanap po ako, kasama daw din po sa kaso si kapitan dahil sa utang ko, syempre natakot po kami pareho ni kapitan, weird lng po ksi kanina ko lng na-meet un brgy. captain sa min, criminal case daw po kaya pati un brgy. capt ay natatakot at pgnaconfiirm nila na nasa bahay ako my pupunta na daw po dito para arestuhin ako. atty. pantaleon daw po un ngreport sa pulis. un last demand letter na nakuha ko last year pa po. wala naman po ako ulet narereciv na demand letter or letter na may kaso ako. pede po ba talaga ko hulihin? dapat ko po bang kausapin un atty. pantaleon or sa bank na po diretso?
Comment by mjsb0626 — February 3, 2012 @ 12:34 pm
scam.
tell your barangay captain to read ” Supreme Court Cir. 14-93″
walang paki ang barangay sa utang ng individual.
at kung huhuliin mo ang tao, bakit i-inform in advance yung huhuliin?
hehehe…
Comment by banker — February 3, 2012 @ 1:26 pm
salamat po. halos maiyak na nga ko kanina, nakakahiya. sikat na ko sa brgy. namin, although fault ko po un utang sa card pero sana hindi ganun un way nila mgcollect. salamat po.
Comment by mjsb0626 — February 3, 2012 @ 1:54 pm
you and your barangay captain can both have an entrapment for that “lawyer”
para mahuli siya – swindling.
Comment by banker — February 3, 2012 @ 2:33 pm
good am nkarecieve po ako ng notice for legal action mr banker yesterday frm atty patricia maria de guzman ng greatsource corp. may unpaid bills ako s metrobank creditcard since last yr hindi na po ako nkapagbayad dhil sa kgipit tlga ako..anu po dapat ko gawin? makukulong po ba ako? umabot n sa 75k ang dues ko na pina sesettle sa kin within 5 days,samantalang 30k lng nman ang creditlimit ko.halos kalahati ang interes sa loob ng 6 months n hindi ako nkapagbayad.salamat po ng marami
Comment by sylvania — February 4, 2012 @ 1:25 am
lumang modus na yan ni collector.
bakit pa bigyan ka ng “notice ek-ek” na yan?
…just an extortion-blackmail threat to force
you to pay their commission.
next time, dont open those letters anymore.
no good news there anyway, only LIES.
tapon.
Comment by banker — February 4, 2012 @ 6:13 am
thanks a lot banker the BEST KA
Comment by sylvania — February 5, 2012 @ 12:27 am
gud am Banker
banker ask k lang po kasi po may dumating na letter sakin galing citybank at ang sabi endores na daw ung account k sa Ca po at nakalagay dun ung outstanding balance k etc.ngayn po in case po na pumunta ung CA sa bahay o office at present po ung letter, does this letter serve as a SOA na galing sa bank po?thanks po
Comment by healily — February 4, 2012 @ 9:44 am
If they are authorized,
tangapin lang yung letter galing sa kanila.
no problem.
BUT it does not authorizes them na mambastos.
kung pilitin ka na mag-bayad,
ibang usapan na yan.
dare their bluff.
Comment by banker — February 4, 2012 @ 10:19 am
hi banker and everyone!
good morning! i’ve been reading the blogs and its of great help.. thank you!
im just wondering, paconfirm nmn ako kung tama yung naiintindihan ko so far.. kung wala n sa hsbc account ko at nasa collector n, ibig sabihin kung magbabayad ako, sa collector nlng yun mapupunta at hindi sa pinagkautangan ko, which is hsbc? kaya walang magbabago sa records ko kahit bayaran ko pa yun? in conclusion, buti p wag nlng bayaran kasi wala din nmn magbabago records ko at hindi nmn sa tamang institution mapupunta bayad ko?
thanks!
Comment by ehmz — February 6, 2012 @ 11:01 am
korek.
kaya pawang kasinungalingan at pang-blackmail ang ginagawa
ng collectors.
hmmm…..
Comment by banker — February 6, 2012 @ 11:19 am
thanks sa confirmation! =) would you know kung may difference ba in terms of amount? 2 cards kasi meron ako sa hsbc, isa 40k limit visa, isa MC with 120k limit.. so far yung visa p lang ang namention n amount sakin ni molaer.. may ibang process b ang bank pag more than 100k yung utang mo sa kanila? thanks!
Comment by ehmz — February 6, 2012 @ 11:48 am
Hello Banker,
recently lang po di ako nakapagbabayad ng mga utang ko sa credit card ko. nabaon po ako dahil puro minimum payment lang yun binabayaran ko. Nagkaroon din po ako ng malaking gastos ng manganak un asawa ko then binili ko po un kailangan ng pamilya ko at huli na po un pambabayad ko ng utang. Marami na rin po calls nareceived ng office namin and sa bahay po but i keep ignore it. ok lng po ba yun? madalas un coworker ko ang sumasagot sa office at sinasabing maya pa ang pasok ko o nsa field ako then d nila binibigay un number ko.
Banker mali po ba un ibang credit card ko binabayaran ko kahit papano dahil yun lng naman kaya ko sa ngayon… malalaman po ba ng ibang bangko yun at pede nilang gamiting na kaya kong magbayad.
cyrus
Comment by cyrus — February 7, 2012 @ 11:06 am
Grabe talga ang mga collector na yan…..
Comment by Uolra — February 7, 2012 @ 5:27 pm
sir ayusin ko lng po un mga queries ko. una po ok lng ba na di ko sagutin un mga calls nila sa akin at un huli po mali po bang binabayaran ko un iba kong card dahil yun lng ang kaya ko? salamat po. -cy
Comment by cyrus — February 7, 2012 @ 5:42 pm
1. puede. pero take the call if you can and simply dare their bluff. dont argue. stick to that line.
2. may formal agreement ba bago mo binayaran? authorized signatory ba? totoo ba ang figures?
you might be engaging in a never ending financial marathon.
Comment by banker — February 8, 2012 @ 7:17 am
sa ngayon po wala pa naman agreement kc may soa pa rin akong natatagap to the bank kc po patuloy pa rin ako nagbabayad kahit minimun.
Comment by Anonymous — February 8, 2012 @ 11:30 am
your account will never be fully paid by paying “minimum”.
if your interest alone is say P 200.00 but you are paying only
P100.00, THINK what will happen?
Comment by banker — February 8, 2012 @ 12:07 pm
hi banker its me again cheche0216. i have another concern po kasi regarding my cc. they sent me a letter from MOLAER & DE LA SERNA LAW OFFICES. the last statements written on the letter was:
however in the spirit of justice annd fairness, we have decided to formally give you a non-extendible period of 5 days from receipt of this demand (dated feb 3, 2012 and received today feb. 8 2012), to pay and or settle your said unpaid account, including all charges. otherwise, our said client, would constrained to civilly charge you and your spouse (wala naman ako asawa), if any, for COLLECTION OF SUM MONEY under the rule on “SMALL CLAIMS CASES”, before the METROPOLITAN TRIAL COURT OF PASIG CITY, METRO MANILA, which rule requires only 1 hearing and any court’s decision rendered shall become immediately final and non-appeallable, in order to recover from you, and your spouse, if any, the said unpaid account including, legal costs, damages and other incidental legfal expenses, without further notice and delay.
your spouse if any, shall be included as MANDATORY PART-DEFENDANT IN THE SUM OF MONEY CASE, PURSUANT TO RULE 3, SECTION 4 OF THE NEW RULES OF COURT.
***paxenxa na poh at medjo mahaba. nag aalala poh kasi ako sa letter na toh. pinadla pa mismo sa house namen eh dati naman poh sa work lang sila madalas ngpapadala ng letter…
sana poh matulungan niyo ako.
totoo na po ba ito???
Comment by Rachelle — February 8, 2012 @ 7:32 pm
next time, dont open anymore.
no good news there anyway.
only LIES.
tapon.
Comment by banker — February 9, 2012 @ 7:22 am
so those were all lies??? damn it!!! i was really scared to think that they already found my house… good thing my mom told them na hindi na ako nakatira dun… she accepted the letter but signed a different name. that’ what she told me.
more worse might come right??? i should be prepared for it….
thanks so much Mr. BANKER.
Comment by cheche0216 — February 9, 2012 @ 8:32 am
Hello Banker.
Nakareceive po ako ng email from eastwest bank na restructuring program (0.99% monthly interest) with a promissory note. I need to filled up their form and send it thru email and fax with my company id on or before feb.16,2012 1pm. E2 po un email
Ms/Mr.,
Please read the instruction, conditions and items to be submitted carefully. Kindly find attached files for your account.
Attached herewith are Restructuring forms. Kindly fill out all the blanks and sign the attached forms.
These are to be submitted together with the requirements of the Restructuring Program until
February 16, 2012 until 1PM only.
Please text or email us upon receipt of this email. Submission of documents beyond deadline will no longer be processed.
Please be reminded that all East West Bank Credit Card accounts under your name (if you have any) will be CANCELLED PERMANENTLY once approved to Amnesty Program in line with our CROSS BLOCKING POLICY.
*Items to be submitted are the following: *
1. CONTRACT PAGE 1*RESTRUCTURING FORM* (1 copy in short bond paper)
-Cardholder Information, Spouse Information and Contact Person in Business & Residence (Please be advised not to leave these fields blank) important*
2. CONTRACT PAGE 2*PROMISSORY NOTES* *(1 copy in long bond paper) Do not forget the signature important*
3. CONTRACT PAGE 3*DIMINISHING BALANCE ATTACHMENT (1 copy in long bond paper) Do not forget the signature important*
4. Photocopy of *Company ID* or *Updated Business Permit* important*
Pls. send all documents thru fax (attention to JOANNA CARNATE) or thru email (scanned)
EMAIL Addresses:
· mjmarco@eastwestbanker.com and jzcarnate@eastwestbanker.com
FAX Numbers:
· 02-6367427 or 02-8308912
Medyo diktador po kc un email. kaya naiinis lng po ako. Kung susunod po ako dito at naging delinquent payer naman po ako pede na nila akong kasuhan kc may promisory note na?
Thank u and more power po.. sana mapaliwanagan nyo po ako.
Daniel
Comment by cyrus — February 15, 2012 @ 12:26 pm
legal ba yan?
i dont think so.
why dont they just take it to court
para LEGAL lahat.
Comment by banker — February 15, 2012 @ 2:27 pm
sir banker,
good morning po sa inyo! i’ve been reading the blogs and its of great help.. thank you!
ask ko lang po kung hindi ka nakabayad sa CC ng matagal na panahon,makakapag loan pa ba sa SSS,PhilHealth, or sa SunLife Insurance? Ma bloblock listed po ba ako pag umuwi ako o nag abroad po ako uli. Hindi ko po alam kong mababayaran ko pa yong utang ko sa CC, nandito po ako ngayon sa afghanistan nakikipagsapalaran sa hirap ng buhay sa pinas kaya po nagkautang utang ako sa HSBC.
sana po matulungan niyo ako.
Comment by ryan — February 22, 2012 @ 3:47 am
puede naman. kasi its against your future benefits as “collateral”
Comment by banker — February 22, 2012 @ 4:45 am
Hi Banker,
I been reading the thread since na search ko yun blog nyo, ganun din po ako my cc din po ako puro amount due lang yun nababayad ko then last year (2011) ang nababayad ko na lang 200, 300, or kung ano lang yun kaya ko ihulog mga ganun kasi po hindi ko na po kaya yun minimum na lumaki na yun credit ko gawa ng penalty, tumatawag pa ko sa tollfree to talk sa customer service baka pede hindi earn ng interest na para di lumaki pero they always says na kailangan po ninyo mabayaran yun minimum muna. then ngayon my na received na ko letter & text messages they will coordinated to our barangay for legal procedure daw po. hingi lang po ako advice sa inyo.
kung sa kali po ba tunay na pumunta sila sa barangay ano po ba yun dapat ko gawin?
kung hindi po ba ko mag reply sa text messges nila ok lang po ba?
Comment by Nel — February 23, 2012 @ 11:08 am
walang paki ang barangay, so bahala ka na kung ano gawin mo.
text messages? press ‘ delete’ para iwas stress
Comment by banker — February 23, 2012 @ 12:34 pm
Thanks Banker,
Matagal ko na din iniisip problema ko sa cc.
ngayon sa mga nabasa ko sa thread na relief ako.
salamat
Comment by Nel — February 23, 2012 @ 3:45 pm