Results 41 to 48 of 48
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March 7th, 2009 06:08 PM #41
To be candid, I find your situation unnecessary.
You agreed to borrow 30K for 4 airline tix of Zest???? hahahaha. 300 lang isa nun e. so 300x4 is 1,200. These days they offer it at 300 so since company yan, they probably got it much much less, like 200 each.
It's like bumili ka ng cellphone to get the free sim.
Since they use Chinese planes as part of their fleet, I wouldn't even fly with them even if it's free. Asian Spirit (now Zest Air) used to have the worst maintenance accdg to some friends at the Airport Maintenance facility. Now under new ownership of Zest-O, im not sure if that has improved.
If I were in your situation, I would not have taken the loan since it's pointless to do so. Since you already did. Just pay it, charge it to experience. Try to contemplate on what you can do with the tickets.
If you try to be a wise-ass and decline to pay, you're on the losing end, banks vs you. You think the courts will side you? Banks have deep pockets. It will just cause you unnecessary problems (just like this loan) and costs in interests.
Im not saying that madame ab_initio's advise as a lawyer is flawed but come on, you're not a lawyer, are you? You'd need to hire one (and pay them) to battle on this kind of stunt. If you're a lawyer, by all means, please try the adventure.
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March 8th, 2009 06:48 PM #42
Yes you are right, its just business.
Kasalanan ng umutang dahil umutang sya, kasalanan din nang nagpautang
dahil swapang sya sa interest. Pag umutang ka puede na hinde mo mabayaran,
pagnagpautang ka naman dapat accepted mo na na hindi ka mababayaran.
Simple.Last edited by mark_t; March 8th, 2009 at 06:54 PM.
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March 8th, 2009 10:03 PM #43
Assuming you are the delinquent CC holder:
Credit is a business deal. As a CC holder, NO ONE forced you to be part of the business system and certainly, NO ONE forced you to spend more than you can afford. It's ALL YOUR FAULT because EVERYTHING is under your control.
The bank, basing on your track record, simply put THEIR FAITH in you that you'd pay back whatever it is that you have borrowed.
Whether they have high interest rates or not is immaterial to the issue. You knew that before you drooled over that merchandise and swiped your card because you don't have any cash.
.
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March 9th, 2009 12:04 AM #44
i don't understand these statements.
kung swapang ang lender sa interest, any consumer is free to get a better rate elsewhere, as HP said. if a lender had high rates compared to everyone else, walang uutang sa kanya and he'll be out of business. but no one has the right to whine about the rate and deliberately default because no one held a gun to his head to sign the lending contract.
i understand what you are saying that any lender has to assume the risk of the debtor not paying...but they still have to try to recover the money. and if a debtor experiences financial hardship and cannot pay off the entire balance, it's still his responsibility to work out an arrangement with his creditor to eventually pay somehow.
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March 9th, 2009 12:04 PM #45
What I see now is it is just business. The the site is one side of a war,
it clearly is a war between 2 sides and they are taking care of business.
Just one of many legal ways to conduct their business.
Your posts is another side of the their war. And all is fair in love and
war. I gues a lawyer maybe more capable in articulating these matters.
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March 9th, 2009 01:02 PM #46
hahaha
So everyone, don't pay CC bills
ignore the demand letters
ignore the collectors
let the courts decide
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i guess the threadstarter is saying everyone who is paying their CC bills are suckers
pwede naman hindi bayaran e
everything's free
the LCD TV is free
the trips abroad are free
the fine dining...
everything that can be "bought" using a credit card is free
nothing has to be paid
only suckers pay
that's the whole message of the threadstarter
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March 9th, 2009 02:20 PM #47
palabo ng palabo usapan ah
consider this question - why is the world in an economic crisis?
answers:
1. banks and investment firms were irresponsible
2. many people lived beyond their means and bought things on credit they couldn't afford (mortgages, car loans, home equity loans, credit card debt...etc etc). so what did they do? THEY DIDN'T PAY THEIR DEBTS
because of these two things, the world's financial system took heavy losses and lost its liquidity. as a result, many jobs were lost and things became even worse, because now even decent people who managed their money and paid their debts got in trouble because they had lost their jobs.
pay attention to the bold text. in light of this, to advocate not paying your debts in today's times is borderline criminal in my mind. it's at least partly the reason even responsible people are in this mess now.
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March 23rd, 2009 03:05 PM #48
How about this sites, what can you say about them?
[ame="http://www.youtube.com/watch?v=rcAbtA64Zt8&feature=related"]YouTube - How We Challege Your Creditors & Win (#3 of 6)[/ame]
http://www.thecreditcardsolution.com...on_Videos.html
^ geo yatta of bulacan, ang nagcause ng traffic sa NLEX eh hinid minimum wage earners. Mga...
Traffic!