Fruit of Poisonous Tree

The Fruit of the Poisonous Tree doctrine :
A rule in criminal law that makes evidence that was derived from an illegal search, arrest or interrogation inadmissible.

Similarly,if a collector calls you and pretends to be "Atty. Legal Ek-ek",
EVERYTHING follows.
What he will say are therefore all FALSE.
gets mo?

www.failuretopaycreditcard.blogspot.com

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2011 Christmas Message

As the world celebrates the birth of Christ,
let us remember that he was born, not in a rich
mansion, but in a lowly manger.
and Joseph and Mary did not have any credit cards!

Banker
www.failuretopaycreditcard.blogspot.com

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COPIED

It is quite flattering to know that somebody is using
the articles here and publishes them REGULARLY,IN TOTO,
in his own blog.
....without attributing the source.

You may copy articles here to help us disseminate information
for the benefits of victims of CC collectors.
We appreciate it.
Thank You.
You can even earn from it. You need it.
But common courtesy (and conscience) dictates:
"You should not pretend to have written these articles!"

But I leave it all up to you and your God(if any).

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Trespass To Dwelling

Nobody can enter your home without :

a) Your specific consent
Any private person who shall enter the dwelling of another against the latter’s will.
(Revised Penal Code Qualified Trespass To Dwelling Art. 280)

b) Court Order
A search warrant is an order in writing issued in the name of the People of the Philippines, signed by a judge and directed to a peace officer, commanding him to search for personal property described therein and bring it before the court.

Probable cause in the issuance of a search warrant
Facts and circumstances that would lead a reasonable discreet and prudent man to believe that there has been a crime committed and the things and objects connected to the crime committed are in the place to be searched.

Exceptions:
3. Anyone who shall enter cafes, taverns, inns and other public houses, while they are open. (Art. 280, 3rd par.)

Thus,
collectors cannot simply enter your premises for "ocular inspection"
or sheriff to " get your things".

Any person who, with intent to gain, shall take any personal property belonging to another:
a.) Robbery:
by means of violence or intimidation of any person, or using force upon anything
( Art. 293)
b) Theft
without violence against or intimidation of persons nor force upon things but without the latter's consent.( Art.308)

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Meet Mr. Collector

He is an employee of a Collection Agency.
Which in turns likes to impress us like :
"Real Mon De Low Office"

He earns on a "No Collect ; No Commission" basis.
No commission means nothing to eat,or barkada nights.
And gets fired out eventually.

He thus forces defaulter to pay thru harassment,lies, blackmails.

Siya yung tatawag sa iyo at hinde mag-bibigay ng tunay niyang pangalan.
(eh,kung mahuli ako, sabi niya!)
He will pretend to be from the bank's "pre-legal department"
(meron ba noon? WALA!)
as Atty. Mando Rugas
(naku ha lawyer mismo ang tatawag sa iyo? VIP ka 'day!)
or even Major Problemo of the PNP CIDG
(hinde ba Chief Inspector ang tawag doon?)

with a Warrant of Arrest
(thanks for informing me in advance. Tatago na ako)
or conduct a legal visit
(tell your friends to make "legal" visits din ha? Wag yung "illegal" visits)
or asks for barangay protection.
(oo nga naman. what if sinapak mo siya dahil nahuli mo na niloloko ka)

He uses pro-forma reminders and collection letters like:
File a case.
Does your company collector files a case?
Sound stupid?
Yes, it is!

How to deal with him?
...Go on, don't be afraid
Dare his bluff.
"Let's settle everything in court!"
Watch his reactions - ayaw niya.
Alam mo na kung bakit.

Now you know him better.

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Get Real

so what do you intend to do?
simply remain in the past?

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Thank You Kasimanwa

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It's Still A Wonderful World

People may come and go,
but the ideals of Diskarte shall remain.
Always.

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"D" Is A Wonderful Letter

When you have a
Debt
and it is
Defaulted
Because you have no
Dough
What you need is
Diskarte

text messages?
Delete
letters?
Disregard
Calls?
Dare

In other words, D is for Dedma!

Why?
Because you dont want to be
Duped

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Memories

....just a little bit late but you still remain in my memories.

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Recharging

It's not your computer, folks.
It's really blank!
Am off for some recharging.

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Lumipat ng Bahay

Collectors fool you into paying their commission
by citing this RA 8484 legal ek-ek:

"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"

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Unbelievable

Collectors saying they will file a case?
They wont ; they don't ; they can't!

Gusto mo malaman?
dare their bluff.
And enjoy their reactions!

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The Gift

A gift is always a welcome surprise!

A friend shared this very inspiring story on appreciation and false assumptions:

"A young man was getting ready to graduate college. For many months he had admired a beautiful sports car in a dealer's showroom, and knowing his father could well afford it, he told him that was all he wanted.

As Graduation Day approached, the young man awaited signs that his father had purchased the car. Finally, on the morning of his graduation his father called him into his private study. His father told him how proud he was to have such a fine son, and told him how much he loved him. He handed his son a beautiful wrapped gift box.

Curious, but somewhat disappointed the young man opened the box and found a lovely, leather-bound Bible. Angrily, he raised his voice at his father and said, "With all your money you give me a Bible?" and stormed out of the house, leaving the holy book.

Many years passed and the young man was very successful in business. He had a beautiful home and wonderful family, but realized his father was very old, and thought perhaps he should go to him. He had not seen him since that graduation day. Before he could make arrangements, he received a telegram telling him his father had passed away, and willed all of his possessions to his son. He needed to come home immediately and take care things. When he arrived at his father's house, sudden sadness and regret filled his heart.

He began to search his father's important papers and saw the still new Bible, just as he had left it years ago.  With tears, he opened the Bible and began to turn the pages. As he read those words, a car key dropped  from an envelope taped behind the Bible.  It had a tag with the dealer's name, the same dealer who had the
sports car he had desired. On the tag was the date of his graduation, and the words...PAID IN FULL.

How many times do we miss God's blessings because they are not packaged as we expected?"

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Afraid

The fear never ends.

I know you lost your job,
you were a good payer before,
can no longer pay your cards anymore,
received demand letters, calls, text messages
home visits, office visits and barangay visits.
I know..I know...
you are not running away from your obligations.
You want to show good faith.
BUT
there is this fear, and
you are A-F-R-A-I-D !!

of what?

skip those familiar stories.
and tell me straight forward:
"what are you afraid of?"

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Rich and Poor

Model:  Rommel Gallego

I want to share this story from one of my Facebook friends: One day, a rich dad took his son on a trip. Wanted to show him how poor someone can be. They spent time on the farm of a poor family. On the way home, dad asked, "Did you see how poor they are? What did you learn?".
Son said, "We have one dog, they have four, we have pool, they have rivers, we have lanterns at night, they have stars, we buy foods, they grow theirs, we have walls to protect us, they have friends, we have encyclopedias, they have Bible." Then they headed, "Thanks dad for showing me how poor we are."

Money is not the only thing which makes us rich.

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Let's Have Fun With Collectors

Next time a collector calls,
dare his bluff with your own bluff.
Tell him to meet you in Precinct 5 of the Makati Police (or any )
para mag-bayad ka in FULL.
para sa ganoon, hinde ka na niya puede pang "kasuhan"( or any threats)
WATCH HIS REACTIONS. and enjoy.

common alibi:
hinde kami tumatangap ng pera. i-deposit mo na lang sa banko.

answer:
di tangapin mo lang at ikaw ang mag-deposit. lol!

reason:
when you deposit, while you are citing your credit card account number,
he will not tell you that "it merely identifies na nag-bayad ka na, at
for credit to his OWN account!"

Question:
What if pupunta siya talaga doon?
two things you can do:
a. WAG pumunta. lol! ; or
b. Ipahuli mo siya for swindling/extortion.
(di ka na mahihirapan pang dalhin siya para ipakulong)

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Potato Exercise

Image Credits:  www.growveg.com

Forwarded message from my inbox:

"A kindergarten teacher has decided to let her class play a game.

The teacher told each child in the class to bring along a plastic bag containing a few potatoes.

Each potato will be given a name of a person that the child hates.

So the number of potatoes that a child will put in his/her plastic bag will depend on the number of people he/she hates.

So when the day came, every child brought some potatoes with the name of the people he/she hated. Some had 2 potatoes; some 3 while some up to 5 potatoes. The teacher then told the children to carry with them the potatoes in the plastic bag wherever they go (even to the toilet) for 1 week.

Days after days passed by, and the children started to complain due to the unpleasant smell let out by the rotten potatoes. Besides, those having 5 potatoes also had to carry heavier bags. After 1 week, the children were relieved because the game had finally ended.

The teacher asked: "How did you feel while carrying the potatoes with you for 1 week?". The children let out their frustrations and started complaining of the trouble that they had to go through having to carry the heavy and smelly potatoes wherever they go.

Then the teacher told them the hidden meaning behind the game. The teacher said: "This is exactly the situation when you carry your hatred for somebody inside your heart. The stench of hatred will contaminate your heart and you will carry it with you wherever you go. If you cannot tolerate the smell of rotten potatoes for just 1 week, can you imagine what is it like to have the stench of hatred in your heart for your lifetime?"

Moral of the story: Throw away any hatred for anyone from your heart so that you will not carry sins for a lifetime. Forgiving others is the best attitude to take!

True love is not loving a perfect person but loving an imperfect person perfectly!!"

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Resbak

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.


Posted in
"RA 8484 In Pilipino”
Wordpress Blog

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The Date

One of the forwarded message I found in my office mail this morning:
"A date! After 21 years of marriage, my wife wanted me to take another woman out to dinner and a movie. She said I love you but I know this other woman loves you and would love to spend some time with you. ... The other woman that my wife wanted me to visit was my MOTHER, who has been a widow for 19 years, but the demands of my work and my three children had made it possible to visit her only occasionally. That night I called to invite her to go out for dinner and a movie. "What's wrong, are you well," she asked? My mother is the type of woman who suspects that a late night call or a sur prise invitation is a sign of bad news. "I thought that it would be pleasant to be with you," I responded. " Just the two of us." She thought about it for a moment, and then said, " I would like that very much." That Friday after work, as I drove over to pick her up I was a bit nervous. When I arrived at her house, I noticed t hat she, too, seemed to be nervous about our date. She waited in the door with her coat on. She had curled her hair and was wearing the dress that she had worn to celebrate her last wedding anniversary. She smiled from a face that was as radiant as an angel's. "I told my friends that I was going to go out with my son, and they were impressed, "she said, as she got into the car. "They can't wait to hear about our meeting". We went to a restaurant that, although not elegant, was very nice and cozy. My mother took my arm as if she were the First Lady. After we sat down, I had to read the menu. Large print. Half way through the entries, I lifted my eyes and saw Mom sitting there staring at me. A nostalgic smile was on her lips. "It was I who used to have to read the menu when you were small," she said. "Then it's time that you relax and let me return the favor," I responded. During the dinner, we had an agreeable conversation - nothing extraordinary, but catching up on recent events of each other's life. We talked so much that we missed the movie. As we arrived at her house later, she said, "I'll go out with you again, but only if you let me invite you." I agreed. "How was your dinner date ?" asked my wife when I got home. "Very nice. Much more so than I could have imagined," I answered. A few days later, my mother died of a massive heart attack. It happened so suddenly that I did to do anything for her. Some time later, I received an envelope with a copy of a restaurant receipt from the same place mother and I had dined. An attached note said: "I paid this bill in advance. I wasn't sure that I could be there; but nevertheless, I paid for two plates - one for you and the other for your wife. You will never know what that night meant for me. I love you, son." At that moment, I understood the importance of saying in time: " I LOVE YOU!" and to give our loved ones the time that they deserve. Nothing in life is more important than God and your family. Give them the time they deserve, because these things cannot be put off till "some other time."

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Collector Joke Of The Day

This was sent by Bilkish to a Dubai defaulter
now working in Australia

September 19,2011

Office of the Assistant Attorney General
Criminal No: Under Process Passport No:


Order Request:

Plaintiff Warrant of Arrest and Deportation
VS.
( name of defaulter)


C O M P L A I N T

We would like to inform you that we have received an affidavit of complaint for immediate deportation due to certain grounds involving criminal activity, the allegation charge againts you has solid evidence to have probable cause in granting this request. However, the Department of Justice can quash, modify and null this request or grant this proceedings. You have 48hours to resolve this allegation.

The purpose of this letter is to to notify you with regards to the filing of this case againts you whereas docket number is still under procedure and needs further investigation.

For Inquiries you may call the Petitioner of this request at +639167088101 look for Atty.Cuevas for validation, Otherwise, the allegations raised againts you will be pursued by the complainant. .

Please do not respond to this email as this is a system-generated email message.

Thank you,

Department of Foreign Affairs
consulate@dfa.gov.ph

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Bakeeet?

Bakit kailangan pa nila :

1. mag-sinungaling ( Si Fiscal Atty.Colonel ito ng Crame)
2. mambastos ( pagkakalat ang utang mo)
3. mang-hiya ( awayin ang ka-opisina)
4. mang-lait ( kas-kas ka ng kas-kas)
5. ma-nakot ( huhuliin ka namin)
(eto,anong tawag mo - "Mabuti pang mamatay na yang anak mo sa
ospital para may pambayad na kayo sa amin!")

para lang maka-pera?
(at bakeet ako mag-bayad naman?)

Lord, forgive them.
I tried but I cant.

Dio perdona... io no!

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Enter The Dragon

Due to change of my workload priorities,
Dragon76 will do most of the replies to queries
with support from other Diskarte members.

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

:)

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Diskarte Pilipinas

If you are reading this, chances are, you found us while searching for answers to your credit card concerns using one of the many internet search engines.

We maintain the following sites:

a) http://www.failuretopaycreditcard.blogspot.com/
b) http://failuretopaycreditcard.wordpress.com/
c) http://diskarteforum.niceboard.org/
d) http://finance.groups.yahoo.com/group/failuretopaycreditcard/

As of today, “blogspot” alone tallied 15,567 comments, 522 followers on 245 posts with visitors for the entire sites averaging 500 daily, receiving 50 E-mail inquiries, 23 call and text queries and about a 100 call divert requests and assistance.
There is the “Search This Blog” facility should you wish to learn more about your concerns.
There is also a chat board available with some members willing to provide on-line help. We think these are more than enough resources we have already provided.
This is in consonance with our motto “Help Not Blame”.
However, If you still think we were not of any help,
don’t blame us either.

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