Unionbank Problem - Deducted 7000 off my account

We have had several accounts in Unionbank over the years,
and as of now we have five accounts: four EON cards and one joint Fastbook account.

Don't get me wrong.

I like using Unionbank. I had no problems with them in the past, and they are usually very accommodating. Their staff is usually excellent, and their customer support is great and just one call away.

We have no problem with the EON cards they work great.

The problem: The problem we had was with the joint account.

When we opened the joint account, several years ago we were informed that the minimum maintaining balance would be 15,000. That was fine, we kept our funds higher than that.

However, they changed it recently to 25,000.

The only problem was, in the branch that we frequented in, THEIR STAFF DIDN’T INFORM US.

And they failed to put the information WHERE PEOPLE WOULD SEE THEM.

See this picture:

Here is a picture of that branch, notice that in the WHOLE BANK, there is ONLY ONE SPOT where you could read this information--and that spot is VERY FAR from the usual areas that people go to. It is too OUT OF THE WAY for people to see.

I went through their other notifications that they put throughout the bank, and took a picture of them. Guess what? None of it was about the 15000 to 25000 increase.

Here are the photos of the other notifications.

 Notice there are two notifications there on the table.
Let’s take a closer look.

This one talks about interest rates

A total of 7000 were deducted from our joint account. OUCH.

The problem was, we weren't informed by their staff even though we went to that branch several times.
The deductions on the fastbook did not say what they were for, UNTIL WE ASKED.

We asked because in the last 4 months WE DID NOT TOUCH OUR FAST BOOK ACCOUNT and on the contrary, we kept depositing to it (we deoposited online from our Unionbank acocunts). But when we updated our fast book, it got deducted 4000.

Then we talked to the ones in charge. They said they would look into it, but several weeks later still no update.

Since the end of the month was already coming and they would deduct it again, we withdrew what was left and closed the account.


Unionbank staff and management of the said branch should:
1. Put the notice of change from 15000 to 25000 minimum balance WHERE IT IS VISIBLE--not somewhere where it is hardly even seen,

2. The notice of change as important as this should be on MULTIPLE SPOTS on the bank, not just one area (where people hardly go to)

3. Be trained to inform their account holders verbally, especially when the account holders are visiting their branch

4. Notify whenever there is a deduction (even if just through email or text?)

5. The fastbook label should have a note on it for what the deduction is for (rather than some garbled machine labels that no one understands)

Why fuss over 7000?
7000 may not be a big deal for some people, but that is our hard earned money.
It's on a joint account that we created as a couple, to fund our dreams.
We keep adding to it when we have extra funds.
-From the savings in that joint account, we were able to go to Camiguin and stay for two weeks. We had a great time there.
-From the savings in that joint account, we were able to go to Cebu and Bohol.
-From the savings in that joint account we were able to fund our Solar Power project
-From that joint account we were able to fund a Hydroponics Project for organic vegetables
Our next target is Palawan, Baguio, Manila, then outside the Philippines.

It's less about the money, but more about fair treatment, and more about what it represents--our dreams, our projects.



I like using Unionbank. I had no problems with them in the past before, and they are usually very accommodating. Their staff is usually excellent, and their customer support is great and just one call away.

I hope they resolve this problem quickly. I will keep you updated on the developments, but hopefully they will refund even a portion of that.

It's a simple mistake, and miscommunication/lack of communication that's easy to fix.

New Sites - Fun and Business

I've been quite busy with business and setting up some new sites.

Anyway, here are the two additional sites that I'm maintaining right now:

Funny-Cats.us - A collection of funny cat pictures from all over the internet.

e-Free-Magazine.info - A site providing free magazines related to business, agriculture, industries, technology, and basically anything related to businesses.

New Site | AW Surveys.info

Just started a new site dedicated to teaching how to make money from surveys. The site is called aw-surveys.info and it talks about how to succeed with AW Surveys and Maximum Paid Surveys.

Joining AW Surveys is free. Maximum Paid Surveys requires you to pay for signing up, but the potential earnings are greater.

Making money from surveys is not easy. It requires hard work, but it definitely pays off in the long run. You can earn a lot from referrals, if you start a blog. Once your blog is well promoted through search engine optimization, then you will get a steady stream of income every month, whether or not you continue to work on your blog.

Trying, Condiments, Training

Trying
Trying my best after that mistake. Planning to send an apology on it before the weekend is over.

Condiments
I seem to have developed a liking for condiments, especially lately, every time I go out to eat at 2am. I would pour various condiments on the rice and viands every time I get the opportunity.

Training
Looking forward to handling a training class tomorrow. I really enjoy preparing for seminars and classes. I try my best to make things simple, so that everyone will be able to grasp the concepts.

Mistakes, Anger, and Writing

Mistake
I made a stupid mistake, one that is due to my being lax and overly comfortable with having a relaxed pace in dealing with things. Despite this, I am standing up, aiming to learn from the mistake and move on. What's done is done. I can only deal with the consequences in the best way that I am able to.

There were a lot of things that passed my thoughts--blame on others, blame upon myself, and the uncomfortable tomorrow that will come. I am certain of one thing, though. It is that there is still something that I can do. That thing is to accept the mistake, forgive myself, and apologize to those affected.

On the other side of the day...

The AT&T agent and an angry client
I watched a video on YouTube. Not really a 'video', but an audio recording with a static picture of a call center agent. It was the recording of the conversation that happened between an AT & T call center agent and a very angry customer.

This recording disturbed me. I could really feel the anger in the customer's voice. It was very clear that he could not hold himself back anymore. He rained curse after curse upon the poor call center agent, and the tone was such that it made even my blood boil. I felt the heat, despite me just being an observer. Half the time, I was expecting the customer to have a heart attack with how angry he was.

Call center agents are just doing their jobs. I could see no fault in the call center agent, except that he just accepted all the blows and the angry tone. I hope there would be a law or regulation that would improve situations for call center agents, because certainly, if one is weak hearted, then it's not gonna be healthy for a person to work in a call center when customers like those exist.

Back to writing...
I'm practicing writing various stuff on a notebook again. This is to exercise my skills so it would be easier to get back to working on my very first novel.

Blog Updates

I've just checked out my blog stats recently, and am happy to find that the traffic has increased significantly.

The following is a list of blogs and websites that I'm working on. These are the top 5 of my blogs.

Work From Home Philippines | How to Make Money Online
Currently this one is having over 3,000 page views in the past month. I only started it about three months ago, but so far, it's the highest page view earner. This blog is about how to earn money through the internet. Most of the opportunities listed there are available for Filipinos.

Caerberu Work from Home
This is one of my first blogs. It is hosted for free at blogger. Currently, this is the blog that I am monetizing. It is sort of a prototype for the Work From Home website I mentioned above. This blog is currently getting 800 page views a month.

Caerberu the Dreamer Blog
This blog is the hub for all my other Blogger sites. I use it to monetize for SocialSpark and PayPerPost, and mostly for announcements and miscellaneous topics. Currently getting over 400 pageviews a month.

Caerberu Best Anime Reviews
I monetize this site for Project Wonderful. It's getting an average of 470 pageviews a month. It's basically about anime that I've watched.

Caerberu | Living Life to the Fullest
This is my own domain for my personal blog and portfolio. I haven't spent much time for this, but I do my best to make quality articles. Currently getting 271 page views every month. The theme for the topics on this blog is more on happy things.

Watch One Piece Episode 393 Online and Streaming for Free!

I've just launched a new website where you can watch the latest One Piece episodes for free. It's at www.Watch-One-Piece.net. It already has the latest as of today, One Piece episode 393 entitled The Target is Caimie!! The Kidnappers’ Evil Draws Near. I'm hoping that this site will be a success.

One Piece is one of my favorite anime's, since it's fun and even hilarious, sometimes serious, sometimes cool.

Beaute de Maman Beauty Products | Safe for Babies

It is important that mothers who are pregnant should avoid using beauty products that may contain chemicals that would be harmful for the baby. Beaute de Maman is offering beauty products that are safe for both mother and fetus.

What is Beaute de Maman?
Beauty de Maman is a unique line of health and beauty products. It is developed by a board-certified obstetrician. Beauty de Maman products are specifically formulated to treat problems related to the physiological and hormonal changes that occur in women during pregnancy. Their products are safe, so moms don't have to worry about not looking beautiful when they are pregnant.

Who uses Beaute de Maman?
Beaute de Maman products have been used by Hollywood celebrity moms such as Penelope Ann Miller, Salli Richardson-Whitfield of Eureka, Chyler Leigh of Grey's Anatomy, Jennifer Blanc, Brooke Mueller Sheen, Jane Hajduk (married to Tim Allen), and Victoria Recano of The Insider's. These moms have tried and tested these products and have been satisfied with the results.

Where can I buy Beaute de Maman products?
If you are interested in their products, you can order now. These products would be great for you, or for someone you know who is expecting a child.

Site Updates

Most of the updates lately have been on other websites I'm maintaining, and not much on my Blogspot network of blogs. Despite this, the number of pageviews for most of my blogs have increased, based on Google Analytics.

Work from Home Philippines.com | How to Make Money Online
Caerberu.com | My personal website
Tech-ready.org | Empowering the Youth

Just finished setting up Work From Home Philippines website

Just finished setting up the Work From Home Philippines website. Please visit the site if you want to learn more about how to earn money online. I'm looking forward to your comments, suggestions, and feedback to improve the website further.

Acobay | Share and Get Involved!

Acobay.com is a new networking site that allows you add content and build your network of friends, hobbyists, and people who share similar interests. It's a social networking website.

Pros. I've tried their website and found that it's very easy to join. You don't have to share your email address, so you don't have to worry about spam or such. The registration is quick and easy, and after you fill in the information, you can immediately use the features of their website.

You can even post stuff regarding your blog or website, just as I did here: http://www.acobay.com/stuff/299745/topic. It's totally free to do so. You can post your hobbies, or anything under the sun as they have hundreds of different categories where you can post your content to.

Cons. One aspect that I think could use some improvement is the way users post their articles. Right now there's no way to format the article. As a web designer, I am aware that there are ready-to-use codes to add formatting functionality so users can easily format their content. I think this would appeal more to users like me, who are particular about the format of what I'm writing. Being able to bold, italicize, align, and use different font size to best match my needs is a great add on.

Conclusion. Despite this, all in all, Acobay is a great website. Thanks Acobay for this wonderful service!

Plans for the New Year

For this new year, I'm planning on doing a lot. More action and work, less on planning. Overplanning leads to paralysis. Right now, I think the best course is to plan once, and decide on it. Making the plan simple also helps, as the more complicated it gets, chances are many of my assumptions won't really hold true when the time comes. So the plan falls.

Wish me luck!

Yosh! This should be a good year. :)

CEIVA Logic | Digital Photo Frame

CEIVA's Digital Photo Frame has a lot of cool features! CEIVA is the inventor of the Connected Digital Photo Frame. Why 'connected'? It is due to the PicturePlan technology, which allows any CEIVA photo frame to display pictures sent from friends and families to be displayed automatically on your photo frame! Your photos are securely stored at Ceiva.com, so you don't have to worry about losing those precious moments.

The CEIVA photo frame has the ability to upload photos directly from your phone or email. It uses wireless technology, so it's very convenient since you won't have to connect it to your computer to transfer photos. You can use wi-fi, your phone line, or your broadband connection. Sending and receiving photos from friends and family work in the same manner.

This photo frame is the first of its kind. It socializes pictures. Even if you're far from your friends and families, you can still keep in touch with them in a very unique way. Also, another unique thing about this photo frame is its Lifetime Warranty! They will fix your photo frame if ever it gets broken, and they will do it for life!

This is really a product that's worth trying out. It's great for gifts this season.

DIE!!! Mayor of Masiu City | Mayor Nasser Pangandaman, Jr.

December 26, 2008. Die SCUM of the world.

This is in response to the sickening actions of Nasser Pangandaman, Jr. the Mayor of Masiu City, Lanao del Sur. On December 26, 2008, a father aged 56, and his son 14 were beat up in the presence of their daughter. It happened in Valley Golf and Country Club, Antipolo City over a dispute. The Mayor showed disrespect to the family when he overtook their flight several times. It is the proper etiquette that if you overtake the flight of golfers who have initially gone ahead of you, you have to ask permission first. But the Mayor did not follow this several times. This resulted to a heated argument, where the Mayor punched the father. The Mayor's goons wasted no time in coming to the Mayor's aid and they pinned the poor man on the ground and beat him up. The son rushed to plead that they stop beating his father, and he went to his knees just hoping that they would stop. The Mayor showed no mercy and beat the boy as well.

Finally, someone broke up the fight. But it did not end there. At the club house, the Mayor saw them again and beat them up all over again.

Is this the action of a Mayor that is supposed to take care of its citizens?

The full details of the article can be found here:
http://vicissitude-decidido.blogspot.com/2008/12/world-is-fucked-up.html

Reunion with Batch 04 Pisay

We had our reunion at Costa Marina Beach Resort, Samal, Davao City yesterday. It was nice to meet the batch again and spend time with friends. Four of us came there late, only two hours before the last trip back to the mainland, so we only had little time to enjoy the place. Despite that, it was worth it to come there.

After the beach, some of the boys spent a couple of hours in our new office. Then we headed to a friend's house for some videoke and some drinks.

I went home with a friend and we talked a lot along the way. Overall, it was a great way to end the day.

Payday Loans!! | Dneero Conversations

Here are my thoughts on PayDay loans. What's Dneero? It's a way to earn money online.

Merry Christmas everyone!

Greeting everyone a merry merry christmas! Honest to say, I'm not really a Christian, but I celebrate christmas with my Christian cousins and friends. I enjoy the spirit of giving--and receiving as well. Hahahaha. Or is that HoHoHo. :)

I like Christmas because of the cool weather, the warm people, and all the celebration here and there. It's also the time when people come back to their homes from wherever far off place they've been to, so it's the time friends get to meet again.

There may have been a lot issues surrounding Christmas, like it's history tainted with pagan origin, but what the hell. Just because it comes from something that you don't really agree in doesn't mean that it's evil right? :)

Once again, merry christmas and happy holidays! Enjoy this year while it lasts!

Got a Wish | Sit on Santa's Lap

I was trying out Sit on Santa's Lap, a website that welcomes you with a Flash Movie animation where you can upload your own picture and have it included on the movie. You are asked for the thing that you wish for as well. It was actually funny, since it seemed quite real and the movie went on smoothly even with the added photo of myself on the video, placed on a a cool photo frame. I was a bit surprised.

It's called the CEIVA Digital Photo Frame, which I found quite unique for the following reasons: it allows you to share photos instantly all over the world, by connecting through an existing phone line or wi-fi; it receives photos from the computer or a camera; it displays photos perfectly without squishing, cropping, or stretching.

I like the idea of being able to share your photos with friends and families no matter how far apart you are from each other. This photo frame helps to bring people closer.

I chose the photo on the right since it's the picture on my About Me page on this blog.

You can try Sit on Santa's lap here on this link: Got a wish

Get a chance to win $500. Additionally, you can win $500 for trying out Sit on Santa's lap. One random entry will be selected each day. Hope I win too! Hahahaha.

Busy week

It has been a busy and stressful week in preparation for the launching of one of the projects that we proposed to DOLE. It's fun at times, but there are moments that are really draining. Work can be rewarding, but when you're overworked...that's a totally different matter.

Ahhh... Looking forward for the weekend. Badly need a break.

Anyway, overall... it's a good experience.

Music and End of Life

Music questions


Some questions on death and end of life care



What's your favorite music?



Why am I doing this? What do I get out of Dneero Conversations?
Dneero pays you for answering conversations. You can read more about making money online through Dneero here.