“A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company…”

Why should you?
You did not “abandon” nor left
your place “surreptitiously”.
did you?
And your card isn’t even FAKE!

Want then to make the collector look funny?
Ask him why you are liable.
Magagalit yan.
Why?
He does not know!

And you will have another ” Fun with Collectors”

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 co-employee. then i sense that he was the guy who calls us intermittently and very rude. i tell him whats this all about? with a raised voice he told me and also for everyone to hear that we are a company that tolerates estafador.

This irked me, and in my anger i told my other office mate to block the door. then i get my glock 40 cal and place this on top of my table.

I casually told him you could disappear here. then my co-office mate who was harassed by him for a long time vent his anger on him.

The agent attempted to run outside but his path was blocked by other office mate. then he begged to stopped from assaulting him since he is just doing his job and he got daily quota. he further added that he got 4 kids to fed.

We let him leave but we immediately called the barangay to report that a certain individual had came to our office and destroy some company property. we also summon the police precint and ask for police assistance and surrender to him the motorcycle of this agent.

Later, this collection agent comes back with 2 allegedly cidg personnel. we called again the barangay who responded with the police. we notice that this 2 cidg personnel becomes uneasy and wanted to leave. they were all brought to the police station. the agent lodge for physical injuries while we file a case for robbery with extortion.

His case against us for physical injuries was dismissed for insufficiency of evidence while our case against him prosper. he is out on bail. his motorcycle was still with the police.

Occasionally, we received a call from him to settle the case amicably.
this incident prompted our company to change some personnel policy on credit cards.

Hope I would no longer see posts like:
” BANKER, ANSWER MY QUERIES!”

IF YOU ARE NOT USING A FAKE CARD,
FORGET RA 8484

———–

2. Tumawag ang Bilkish/Enzi at ipakulong daw ako/mag-sampa ng kaso
see no. 1 above
Kaya wag mag-balik doon kahit “transit” lang.
Masarap pa nga daw makulong sa Dubai keysa magtira dito
sa Pinas – libre board and lodging pa – aircon at masarap
ang pagkain.

3. Hina-harass ang pamilya ko.
Sino man ang mang-harass, puede ipakulong.
hinde exempted ang collector.

4.Ano gawin ko?
dare his bluff

———–
Ang Bilkish/Enzi ay CALL CENTERS.
Ang tawag sa collectors nila ” Junior Bank Officers”
pero wala silang license to operate dito sa Pinas
ayon sa BSP.

THE 1987 CONSTITUTION
OF THE REPUBLIC OF THE PHILIPPINES
ARTICLE III BILL OF RIGHTS Section 17. No person shall be compelled to be a witness against himself.

THE SCOPE : It applies to commutative testimony and not mechanical testimony. Commutative testimony involves the use of intelligence on the part of the accused or witness.

It is only when a particular question is addressed to which may incriminate himself for some offense that he may refuse to answer on the strength of the constitutional guaranty. (ROSETE, et al vs. LIM et al., G.R. No. 136051, June 8, 2006)

Kaya next time when a collector calls, try to tell him that per your lawyer’s advice, you are invoking your “Right Against Self-Incrimination”.
and you do not want to answer his questions.

Date: July 30,2011
Time: 1-5:00 p.m.
Venue: 2nd floor, Mcdo pasong tamo cor buendia
Makati