I've had a very bitter encouter with Citibank some years back. My late father had a credit card from Citibank, which was given to him by the company that he worked for for his official use. A few weeks after my father died, I got a call from a Citibank lawyer asking me to pay for my fathers credit card debt. Even if we had proved (through my father's collection of all his Citibank purchase receipts) that he never used his Citibank card to purchase any personnal effects or to purchase any item for our home, Citibank still kept pestering us. At one point, their dumb-ass m******ker lawyer even told me that "ang utang ay namamana", and this is the reason why he asking us to pay. Where the f***k did he take his law studies? We refused to pay and never paid. Citibank resorted to every sort of tactic bordering on plaing thuggery and had tried to bully me to pay. Damn it, I was not even an extension card holder of my late father.

So, Citibank you say? That firm can rot in hell for all I care.