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...

Read More

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!Bankerwww.failuretopaycreditcard.blogspot.com...

Read More

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 informationfor 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...

Read More

Trespass To Dwelling

Nobody can enter your home without :a) Your specific consentAny 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 OrderA 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...

Read More

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...

Read More

Get Real

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

Read More

Thank You Kasimanwa

...

Read More

It's Still A Wonderful World

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

Read More

"D" Is A Wonderful Letter

When you have a Debtand it is DefaultedBecause you have noDoughWhat you need is Diskartetext messages? Deleteletters? DisregardCalls? DareIn other words, D is for Dedma!Why?Because you dont want to be Duped...

Read More

Memories

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

Read More

Recharging

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

Read More

Lumipat ng Bahay

Collectors fool you into paying their commissionby 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...

Read More

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!...

Read More

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,...

Read More

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 messageshome visits, office visits and barangay visits.I know..I know...you are not running away from your obligations.You want to show good faith.BUTthere is this fear, andyou are A-F-R-A-I-D !!of what?skip those familiar stories. and tell me straight forward:"what are you afraid of?"...

Read More

Rich and Poor

Model:  Rommel GallegoI 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,...

Read More

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...

Read More

Potato Exercise

Image Credits:  www.growveg.comForwarded 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...

Read More

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...

Read More

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...

Read More

Collector Joke Of The Day

This was sent by Bilkish to a Dubai defaulternow working in AustraliaSeptember 19,2011Office of the Assistant Attorney GeneralCriminal No: Under Process Passport No: Order Request: Plaintiff ...

Read More

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!...

Read More

Enter The Dragon

Due to change of my workload priorities,Dragon76 will do most of the replies to querieswith support from other Diskarte members.Hope I would no longer see posts like:" BANKER, ANSWER MY QUERIES!":)...

Read More

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,...

Read More