Intentional or Not... Scam???

I really don’t like writing about this stuff but I want to know how many people are having this same kind of dilemma. It’s about my credit card account in some multi-national bank in Ayala (thinking about suing so I’ll not mention the company).

One day, (a few years back) I called the customer agent of this credit card of mine, asking them to terminate my account. The agent instructed me settle the remaining balance in full. This is the only way I can close my account. So I did and afterwards, called the customer agent again to inquire if my payment has been posted. The agent confirmed that it has been reflected and due to this they are now able to close my account. Trusting the customer service agent of this bank, I thought my account was finally terminated.

After several months, a representative of the bank called asking me to settle my unpaid credit card bill of this bank. I was surprised, I told the caller that I already closed my account. The caller said I have an outstanding balance, so I inquired what is it about.. what did I purchase that I failed to pay? The caller checked and we found out that it was the ANNUAL MEMBERSHIP FEE and there are no purchases. So, I said my case and retold the caller that I asked the bank to close my account already. The caller, asked me to refer it to collections department. So I call the collections department to sort things out and look into my case. I was able to get in touch with somebody but they insisted that I pay the membership fee. I plead my case and explained what happened. The person from the collections department said that they will get back to me, she will just explain it to accounting or whatever department. So, I waited for their call and they never did. I thought it was ok already since they did not get back to me. Somewhere, sometime I forgot about it.

After, a few YEARS I received a demand letter from one of their partner law firms harassing and accusing me that I did not pay my credit card. I was very angry and shocked at this new development. This law firm keeps on harassing me. I called them up and explained but only got a shouting from whoever's in charge of the account. I asked them to provide me with the list or any purchases that I made and I will gladly pay it. But, it seems they found out that there are no purchases. Again, the law firm, did not get back to me again.

To date, I received around 8 to 10 demand letters from various law firms. I am so tired of being harassed and hounded everywhere, every minute of the day. I even learned that there are a lot of cases like mine. The last one has been charging me 50,000 for interest and other charges.

What do you think guys, I really feel like I am a victim here. I am not so aware of the policies of bank companies but it seems they are making money out of this. Now, I feel the bank intentionally did not close my account to make more money on me since I refuse to use their services anymore. Haay naku!

Support Earth Hour

@NAIA New Modus Operandi

Just reposting .. since this happened recently, its really sad that reforms by the present government still cant prevent these things from happening... read on..



I got this from a brother mason;
Brethren,


May I share with you what happened to my cousin Mabel Muncada last January 12 at the NAIA Airport on her scheduled flight to Bangkok via Kuwait Airline 412 (about 9pm).

At the last X-Ray Check (after immigration), certain lady inspectors played on her handbag and found a 9mm live bullet. Mabel was brought to a certain LAFORTALEZA (the lady inspector's "Hepe", slim built in his mid 30s) and she was verbally charged of some offense. Mr. Lafortaleza suggested a negotiation for the case for Mabel to pay any amount as bail. She wasdirected to be at the Bo's Coffee and prepare the money by wrapping it with paper. Having no other choice but to give in to the modus operandi, Mabel gave a $100 bill wrapped in a Bo's Coffee tissue paper. That was of course besides having no spare change or a smaller bill. Mabel was able to make it to Bangkok that night.

Mabel is a Teacher by profession and resides in Texas, USA. She visited the Philippines to check her mother Nanay Tonay who is now very old. She visited also a sister in Bangkok. I never expected Mabel to bring a bullet through the airport and embarrass herself. Her sister in Bangkok is an International Lawyer and she has also a brother in Nagoya, Japan who is a respected SVD priest. I know that bullet was planted in her bag of those unscrupulous people who are trying to earn a living out of foolishness.

I am sharing this to the Brethren so you can help other people. Those dishonest people are in the same working place with our own Brethren. I can feel that the families or our Brethren are always seeking assistance from the NAIA brods for a single reason, to keep away from troubles like the one that happened to Mabel.

Disclaimer: blogger cant validate the authencity of the incident

What A Wonderful Year!!!

Wow! My blog looks so lonely without me posting anything hehhee..

I can't believe that a lot has happened since my last post.. Last year about this time I was thinking of quitting my last last job.. Now I am doing a different thing again.. funny how life takes you to different roads and meet new people.. Some are nice and some not so nice .. Well that's life for you..

Lots of story to tell but so little time.. I was plannin' on posting some of my weird and great experiences here and offshore but uhmm.. ahmmm.. Here it is now hehehe..

First, I want to tell you about Deborah Day. This was the day that I and my friends joined a tour to see a bunch of rocks in UK. There were 3 destinations that day: Windsor Castle, Stonehenge and the Roman Baths. This lady guide, Deborah, of Evans Evans Tours left us at the first stop. Well there's a very long queue for the lady's room and to make a long story short she left us! But, we did not give up. We already paid for the tour and tickets to the sites. So we decided to take a train to the 3rd destination skipping the rocks so we can join the rest of the tour again. Boy.. she was so surprised to see us! She even said, "you made it.. some people might have given up and just gone back to London.. But you two girls.." Yes, we found them and vowed that I will write a comprehensive review of the tour and tour guide to all the online reviews that I can find.. hahahaha!!!

Next, we had a surprise treat at Oxford! We went to Oxford University to see the famous hall where they shoot the Harry Potter - "Great Hall of Hogwarts" but we stumbled upon a white tent where a bookfair was being held.

There was a book signing by the famous author of The Golden Compass, Philip Pullman. For a fantasy-fiction book lover like me, this was really a treat!

I can never forget the time that we went out to see some musicals. We saw Stomp and Wicked. Wicked was wicked!!!

Of course, my year will not be complete without the culinary excursions ... hihihi.. We went to Jamie's in Canary Wharf. The Tiramisu was to die for!
And who could forget the Haggis in Scotland. This culinary treat gave me the heat durin' a cold day in Edinburgh.

Back here at home, my colleague, Mike Casio, introduced me to 8065 Bagnet. This heart stopper culinary trip wins my vote for the best Bagnet out of the Ilocos province.

These days, my time has been occupied by lots of parties, reunions and other get togethers. But the thing that I am excited the most is my current project. Boo and I decided to have a bonggang-bongga house renovation. I can’t wait for my new kitchen to finish : D I am sooo excited to try out new dishes and I plan to master some of the old ones.

Well, that's it for me this year.. (will post new photos of my new kitchen soon hihihi...)

Save The Planet: Copenhagen Summit on Climate Change

Hi everybody.. I am supporting this movement. Please click the post title to go to the link.

Tumi Quotes: Things That Make Me Smile

Tumi Quotes


dada : i will throw all your diapers tumi so that you will learn how to pupu in the toilet.


tumi : throw all the toilets dada, because i already know how to pupu in the diaper.

********************
tumi : teacher, you are so hardheaded you


don't listen to me. I want to go home.

********************

tumi : (to his teacher again)


teacher, im a dog...ar ar ar ar!!!

********************


when tumi was horseplaying in school


and the teacher approched him to scold him..


tumi : I love you teacher ... (then hugs and kisses the teacher with matching beautiful eyes)


********************


tumi and dada during house pictorial.


dada put a marking on the floor so that


tumi will establish his position all throughout the shots.

dada : keep ur feet tumi on the marking.

tumi : dada this should be two because


i have two feet....(ayus!)


********************

tumi on living things and non-living things issue

tumi : why are trees living things...


they dont have hands and feet...

********************

dada : removing his belt to make this


little boy wonder listen and obey...

tumi : dada, do not remove your belt...


your pants will fall!


:-)

********************

dada telling tumi not to cross the street


alone...(tumi is used to dada doing the ice


remedy wherever/whenever his head/face hits


anything...tables, chairs, walls etc)

dada : do not cross the street alone big boy!

tumi : why?

dada : because the cars will hit you!

tumi : and you have to put ice on the car?

********************

dada told tumi that spanking and hitting


other people is bad...

dada teaching tumi how to read...as usual,


the little boy's attention is somewhere


else...

dada : Listen to me tumi, i will spank you!!!

tumi : hmmm, diba dada spanking is BAD!

********************

tumi, with this very honest and sincere question


to his dada...

tumi : why did you spank me when i kicked you???


********************
tumi's early crush...

tumi : dada, come here i will tell you something.
(dada moved towards tumi...)

tumi : (whispered...) i love Sophia (girl classmate).

dada : (overjoyed!!! asked the question)... WHY!

tumi : because she is HANDSOME.
(yari!!!!)

********************
while visiting her aunt at the Manila Control Tower..
tumi on seeing distant objects...

tumi : i want to use the VERNACULARS!


dada : BI-NO-CU-LARS!!!


tumi : BI-LA-CU-LARS...


dada : BI-NO-CU-LARS!!!

tumi : i want to use the TELESCOPE!

********************

when reviewing fish topics


Dada: What make the fishies float?


Tumi: Life vest and kick board


(haaayyy....)



These are some of the anecdotes and quotes compiled by Boo. Btw, Tumi is our 3-year old son.

: D

Rafe One Day Sale

Me ol' colleague asked me to re-post this..

New York-based accessories designer Rafe Totengco is donating Rafe New York ladies shoes and bags to be sold at deeply discounted prices for this One Day Only Sale in Manila.

100% of sale proceeds will benefit the Typhoon Ondoy victims and Tapulanga Foundation in Negros who help send children to school for free.


Shoes at P2,500
Bags at P5,000


Supplies are limited. This is a rare opportunity that is not to be missed!

Every peso will be given to charity.  Shopping is never going to feel this good.

This event is planned to start at 9:30 am on Nov 14, 2009 at PROMOCENTRAL INC, 3/F PROMENADE BLDG, 198 WILSON COR P GUEVARRA STS, SAN JUAN, MM.