A collection process gone wrong

It is more fun criticizing

A defaulting borrower who got money from an on line lender complained of the collection process involving the barangay.   The debtor got a text message informing the latter of hearing before the barangay, specifying the time of the hearing and the charge.

However it was found out:

1.  No such hearing was scheduled for the day;

2.  The barangay secretary has no knowledge of such hearing;

3.   There were no hard copy of demand letters sent to the debtor;

4.   The barangay official present said that such collection cases and it is written on the walls of the Hall of Justice of the Barangay, that such cases are not within the jurisdiction of Barangay Justice.   Find out too if the Lending Investor are legit and duly licensed by BSP and or SEC

Clearly the text messages of the hearing was a sham.  And for many online borrowers who defaulted, and this is not encourage non payment but to relieve stress and anxiety from such proceedings, ignore if the procedures herein mentioned are the same,  Know your rights and correct procedure

There could be many illegal on line lending investors.  And they must be ferreted and their shaming collection tactics , lies usurpation tactics should be stopped

Are sharrows safe?

It is more fun criticizing

Sharrows.

There is a recent controversy regarding bike lanes in Ayala Makati to be converted into sharrows - ie shared space for mv and cyclists alike.     I think it is unsafe but where the greater good, ie resolving traffic jams is the greater objective why not?

My honest opinion about bike lane is that in Phil or elsewhere in the world, bike lanes have not come of age yet.  In most of the places in the Philippines, it is a fad if not a sham.  

So the advice to fellow cyclists is "kanya kanya".  Ingat lang lagi.