I am kindly requesting for your help. I am being tormented by my bank. On 5th of September, I went to the bank and requested for confirmation of banking because I was expecting payment from my insurance company. I asked the receptionist how much is my refund and said she didn't know.
On the 19th September my account was credited with P19,300 and I used the money. A week later, I received a call from the bank saying that money was accidentally credited to me. I went to the bank, and was surprised that it wasn't the money I was expecting. I made an a payment plan that I will pay P500 every month. However, the bank is deducting P1,440 which is my net salary. Eventually the insurance company paid P2,000.
I need your help.
I can see two issues here. Firstly, there's the money. Unfortunately you made a serious mistake by spending that money. I know the insurance company didn't tell you how much to expect but the sensible thing to do would have been to call the insurance company and check that the money you received was from them. The amount they eventually paid you was a lot less and you should have known the P19,000 was probably not yours. The good news is that you agreed the P500 repayment plan but I'm surprised they agreed to that. It will take you three years to repay it.
That leads to the second issue. The bank needs to stick to your agreement, if it's correct that the monthly repayment was so small. If they need to change that agreement then they need to sit down and talk to you about it.
I'll contact them for you but the best you can hope for is an open and honest conversation with them about what you can afford to pay.
Will I get my money back?
I have a complaint regarding an event organizer of whom I bought 7 tickets worth P250 each for his show then it got cancelled to a date that it doesn't suits me. I bought them on the 25th and there were no any conditions on the cancellation or postponement of the event. I asked for a refund but he is not answering my calls nor responding to my messages.
Please help if you can.
I suspect this will all depend on what's in the small print of your agreement with this event organiser. However, from what you later told me, there was no agreement, so there's no small print. So he's a fool.
I contacted the guy and he made a lot of excuses about his agreement with Webtickets. But that's not your concern, You didn't may Webtickets, you paid him, so he needs to take responsibility for his agreement with you.
We see this so often. In the small print of a booking, the agreement says that the event can be cancelled, the artists can be changed or the event can be postponed and people who've paid already have no right to get their money back. They are often told that they can accept the later date or their money is gone. It's not acceptable.
Luckily in your case, there was no agreement. So it's refund time, if he chooses the honorable approach. Let's both keep the pressure on him to give you your money back.
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