What delinquent credit card holders should know & do?

In relation to my previous post SC G.R. 175490 for Philippines Delinquent Credit Card Holders dated October 23, here are some unsolicited advice that you may consider in handling your delinquent accounts:

KEEP IN TOUCH – Never cut the communication between you and the concerned credit card provider/s or collecting agency/ies making follow ups on your account. Why? It shows your good intention of resolving your account.

REPORT – In case you retire, resign or will have a new employer, or any changes in your residential information, do not forget to notify the bank. This is very important especially if you are delinquent because you will be violating R.A. 8484 (Access Devices Regulation Act of 1998) and you can be charged with a criminal case.

KEEPING RECORDS – It is very vital to keep your monthly statements of account as reference and evidence, if ever, in case your credit card provider/s will not supply you. If you have these, you can personally re-compute your account according to the Supreme Court ruling and can tender offer to the bank or collecting agency with legal reference.

AGREEMENT FIRST – In case you want to settle your delinquent account, be sure that you have the agreement in black and white so you have record/s on file for your protection.

SC G.R. 175490 for Philippines Delinquent Credit Card Holders

There may be many delinquent card holders in the Philippines whom may not be aware of the Supreme Court ruling on MACALINAO VS BANK OF THE PHILIPPINE ISLANDS case docketed as SC G.R. No. 175490 and promulgated on September 17, 2009.

It is a credit card case and many delinquent credit card holders may benefit from this ruling. For now, you may take time to read and discern the contents of this ruling in this link, http://sc.judiciary.gov.ph/jurisprudence/2009/september2009/175490.htm, to have an overview of my succeeding posts about the said case.

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Diyandi Festival of Iligan City

Iligan's DIYANDI FESTIVAL is the city's month long cultural celebration. "Diyandi" is a local term which means "celebration." The festival concludes in the feast day of Saint Michael the Archangel every September 29. This Iligan's extended celebration of traditions and culture was simply known before as "Pista sa Iligan" (Fiesta in Iligan). It is the busiest and most culturally gratifying experience second to Christmas in Iligan.

The festival is highlighted with various activities such as dance contest, Trisikad racing contest, ballroom dancing, cooking contest, cultural shows, Miss Iligan Beauty Contest, trade fairs, sports competition, concerts, street parties, clean-up drives and more.

Bullying @ Colegio San Agustin

Bullying is a serious problem among both private and public schools. Recent news about bullying in Colegio San Agustin opened up the eyes of school authorities and government agencies on the seriousness of this issue among students, especially if not properly attended by.

What shocked me in the news was the accusation that a father pointed a gun to a student. First, how come the gun passed the school security? Such negligence, if proven true, must be acted upon by DepEd and CHED because such incident may result to a deeper problem. Although there are different accusations and denials on both sides, the very recent update in this issue showed that a father attesting to an old bullying issue in the same school and claiming that the school did nothing about it.

Bullying is a serious problem. This issue must be properly attended and resolved by government agencies, schools and parents as well.

PNP revokes gun permits of Bantiles, Carabuena
Gun-poking dad in Colegio San Agustin faces raps
Colegio San Agustin bans gun-poking dad
Colegio San Agustin bans gun-poking parent
 

Tawi-Tawi's Agal-Agal (Seaweeds) Festival

The industry of Agal-Agal gave birth to Agal-Agal (Seaweeds) Festival in Tawi-Tawi. It highlights the annual celebration of the province's "Kamahardikaan." Celebrated every September 25, these festivities were unique because of the inclusion of seaweeds as materials for costumes and props. Agal-Agal seedlings were displayed while food products made with seaweeds like leche flan were a hit. Add to this a Knotting contest that used agal-agal as props highlighting the prominence of seaweeds as a major source of livelihood in the province. Seaweeds are "pot of gold at the end of a rainbow" for the locals.

 

Los Baños Laguna: Bañamos Festival

BAÑAMOS FESTIVAL is an annual commemoration of a colorful history and culture of Los Baños, Laguna. It is being held every September 17-23. Bañamos is Spanish for 'we bathe'. The word appropriately traces the founding of the town during the Spanish period. The Franciscan Friars who were captivated by the abundance of hot springs and steam vents in the small settlement of Mainit set up public bathing places with spring water believed to be holy and have curative effects.

Los Baños, bounded by two natural geologic wonders: Mount Makiling and Laguna de Bay, enables landforms to be fertile soil, with clean air and potable water that influence and sustain the livelihood and lifestyle of residents. These gave rise to popular indigenous products – buko pie, ornamental plants, souvenir items and various homemade foodstuffs. Bañamos is a recognition of immense scientific talents.

This Science and Nature City hosts educational and research institutions that offer opportunities for study visits or science appreciation and discovery tours to visitors. Bañamos is a festivity of community spirit and pride of place.