Credit Runaway

how can you take these people seriously if
they dont even know what they are saying?

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Just-Tiis?

MEMORANDUM CIRCULAR NO. 04
Series of 2010

STANDARD OFFICE PROCEDURES IN EXTENDING LEGAL ASSISTANCE TO
DELINQUENT CREDIT CARD HOLDERS

Section 1. Clients â€" Pursuant to the mandate under the Administrative Code of 1987 and in relation to Republic Act No. 9406,

"the Public Attorneys Office shall provide free legal services
to qualified credit card holders as set forth under Memorandum
Circular No. 18, series of 2002,as amended"

Requirements To Qualify for Legal Assistance:
1.Latest Income Tax Return or pay slip or other proofs of income; or

2.Certificate of Indigency from the Department of Social Welfare and Development, its local District Office, or the Municipal Social Welfare and Development Office having jurisdiction over the residence of the applicant; or

3.Certificate of Indigency from the Barangay Chairman having jurisdiction over the residence of the applicant.

http://www.pao.gov.ph/28/Persons-Qualified-for-Legal-Assistance

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AC/DC - Awayin and Collect or Dayain and Collect

Guidelines For Credit Card Collectors:

1.Gulpi De Gulat

Call them by identifying yourself as either from:
a.Bank
b.Legal Department/Law Office
c.Court â€" RTC/MTC
d.Police/NBI
e.Newspaper
f.Barangay
g.City Hall

By pretending to be from any of these sources, CC defaulters will be AFRAID of you - they are always afraid of having a case!

2.Give them a number to call and look for Atty.Ek-ek or SPO 123 for arrangement “otherwise…….”

Be sure to be on the other side of the line to continue the scam.
It does not matter also even if you give the correct number of the bank or court.
But it is always better to have somebody as accomplice on these places.

Variation:

Ask a barangay tanod or a corrupt police to deliver a small piece of paper to the Debtor.
Indicate mo na may kaso siyang “Serious Physical Injury” kaya dapat tawagan ang Manila City Hall.
After tumawag sa number mo, tell the caller to call Atty. Mando Rugas ( ikaw din yun) otherwise itutuloy ang kaso.
Pag-tumawag, jackpot! Singilin mo sa sa utang niya!

3.Tell them about promo and amnesty offers.
Give them a deadline. To qualify, ask them that they should give at least P 5,000.00 tomorrow “to show willingness to pay”.
pag-nagbayad,inuman na,libre pulutan pa!
"Sir/M'am, sorry po disapproved yung Amnesty ninyo /wahaha
or
Tell them about RA 8484, Warrant of Arrest, Publishing their Faces, or Estafa.

4.Other techniques

a.Pa-konsiensya Effect - Nagamit mo naman yan…
b.Pa-galit Effect â€" Balasubas!
c.Pa-Blackmail Effect â€" Tatawag kami sa HR ninyo

Tell them anything that sounds “legal” â€" warrant of distraint, credit abandonment or preliminary attachment. They won’t know it anyway.


See? Ang dali lang maging collector no? meron dyan matagal na at supervisor ngayon â€" si ESB. Kilalanin mo!

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"Small Claims" Court

1. Scope
purely money claims not to exceed One Hundred Thousand Pesos (P100,000.00) and
does not include interest and costs.

2.Kinds of claims covered

a. actual damages caused to vehicles, other personal property,
real property or person.
b. Money owed under
- a contract of lease
- contract of loan
-contract of services
- contract of sale or
- contract of mortgage

-It also includes purely civil actions for payment of money covered
by a bounced or stopped check.
-An amicable settlement reached in the barangay or an arbitration award involving a money claim may also be enforced under this rule.

3.Are lawyers allowed at the hearing?
No, lawyers are not allowed to appear at the hearing
unless they are the plaintiff or the defendant.

4.What happens if the parties do not appear at the hearing?
a. If the plaintiff does not appear:
the claim shall be dismissed without prejudice.
b. If the defendant does not appear:
the effect will be "failure to file a Response"
c. If both parties do not appear:
the claim and counterclaim shall be dismissed

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