MikeLigalig.com

i am very angry.  i received notice that my checking account is dormant.  it only means one thing:  they're going to deduct from my account every day.  please, banker whoever you are, just so i can sleep tonight (my checking account is in cebu while i'm in manila), answer these questions:

1.  can any bank change the dormancy period?  i deposited an amount in january of this year.  it's not one year yet, right?  suffice it to say that no check was issued nor any deposit made since january 2011.  still, it's not a year yet.

2.  does a bank change the maintaining balance for all its depositors, including those who were clients long before their new maintaining balance was imposed?  i started with this checking account knowing that the minimum maintaining balance was 5,000.  then they changed it to 10,000.  now they've racked it up to 25,000! 

3.  why punish depositors (who "lend" their money to the bank by way of deposits) with fines once the deposit is below their declared maintaining balance?  remember, they keep on increasing the maintaining balance on their own.  (with the silly tag 'as agreed upon'; who is agreeing?)  depositors are punished for "lending" less?  uh-huh.

i hate that bank.  i'm going to burn the wires tomorrow (luoy akong cell phone load, huhuhu) and quarrel them all i can.  i know i won't win.  but i'll give them a mouthful anyway. 

that bank is a money trap. 
   
 

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islander, unsa man na nga bangko, rural bank? sa metrobank, dili man ingon niana. I would suggest that you report this matter to the Central Bank complaint desk/bureau.

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Ms. islander, maayo pay imo tong gipabaylo naho!  Bitaw, can`t help you or give you any idea. sorry!

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thanks, tigs.  here hear the accountant speak...

sure, makasabot ko nga ilaha nang policy.  it's a policy that's pro-bank and anti-depositor.  they will always claim that they send notices or that they post policy or maintaining balance changes on the internet, anyway.  that's what they told me before.  caveat emptor!  maayog gukdon ko sa ilang mails nga medyo gatikang-tikang man kog lain-lain nga countries.  hinoon, di man na ilang fault.  i just hate this policy on unilateral maintaining balance increases.

anyways, pilay charge nila ug below their required maintaining balance?  200 a month.  pilay interest on a 50k deposit?  90+ pesos.  estoryaheeeee!

ambot qualified ba ko nga ofw depositor.  pangayoan unya kog job contract, wa koy ikapakita.  i'm not gainfully employed.

yes, i've been a metrobank client for about a decade now.  it's a conservative bank, but i can say i have no problems with this bank. 

to be honest, kalami na lang kun naa tay sharia bank nga very accessible.  sharia banking is the best, believe me.  di gyod ka matutyo.  its quite unlike the greedy western style of banking.  (wall street, anyone?)

sharia (ergo, muslim) banking is honest-to-goodness safekeeping of one's money because usury for islam is a no-no.  consider that other religion some of whose adherents are deemed in world history and literature as the usurers of note.  (my apologies.  no religious slur intended here.  i honestly can't imagine banking with religious undertones.) 

this bank that i'm so disappointed in because even their services are more expensive than others?  it has my identity, i.e., islands, in its name.

yes, once i get to cebu, sirhan nako ni nga account.  tsura lang nila.



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Hahahahahaha. You hit it right Te. Para maputol ang tanang problema, ibalhin na sa laing bangko. I would recommend Metropolitan Bank and Trust Company, Inc. Dili ko related sa usa ka opisyal sa maong bangko or working didto. The best ra jud ang MBTC kung bangking ang istoryahan.

Shariah Banking? Murag wa na dire.

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i came across this on the internet:

Al-Amanah Islamic Investment Bank of The Philippines

it carries a warning about bogus ‘Islamic Bank’.  (it claims it is the one and only.)

i like their blurb:

"Some Banks are Interested In What You Have.  We Simply Look at What We Can."

their website says:

Here at Islamic Bank, we are changing the face and ways of banking. Gone are the days when you worry about fluctuating interest costs of losing entire properties due to default in payment obligations resulting from business failure in a volatile economy. We don’t believe in confiscatory banking because banking is about Partnership in its purest sense- about caring for each other… about building the future. Together.

addresses: 

Makati Executive Office
G/F – NDC Building 116 Tordesillas St.,
Salcedo Village, Makati City
Tels. 816-42-58/893-43-50
Fax: 819-52-49    Head Office

Lucia Chiong Building
Gov. Lim Avenue, Zamboanga City
Tel : (062) 991-4158
Fax : (062) 991-2030


sigh.  kalayo ba uroy nila.  not accessible for me. 


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Mao lagi ning kwarta ba. The more money, the more problems...



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