Hi Nora, Can the return check fee be waived? If yes, how? It was an honest mistake that I forgot the due date of my car loan with psbank and they charged me of 2200 pesos plus 439 for the interest. Instead of 19th, I funded my checking account the next day, 20th. I have been a good payer and this is the first time that it happened. Thanks in advance!
Comment on BPI, BDO, or Metrobank Fees — Why Keep Paying Them? by Catherine Oplas
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Comment on BPI, BDO, or Metrobank Fees — Why Keep Paying Them? by Nora
Hi Catherine, so sad but I think they won’t refund the return check fee in this case because the check was really funded late. The check was returned to PCHC before 7 am of the 20th. But of course you should call your bank and try. Even if you’ll be denied, at least you tried. Call also about the 439 loan interest and ask it to be waived since you’ve been a good payor — this might have a better chance of being waived. Whew, that’s a lot of interest/penalty per day.
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Comment on SSS Salary Loan Interest Rate Is Not As Low As You Think by Dada
Hi po..
Ask ko lng f how much the yearly interest and yearly penalty of Sss loan…
Nagloan kc kmi last 2008 ung 7500 naging 19500 n…
Plan po kc nmin mag apply ng Restructuring Loan Program nila to less the penalty and hopefully mabayaran nmin in full ang balance…
Thanks in advance
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Comment on SSS Pension Adjustment for 1985 to 1989 by Dandy Muyrong
Thank you so much Ms. Nora for your effort in giving insight on how much pension should i be receiving IF pension adjustment is finally included in the computation.
As regard your query: yes have my 1st monthly pension in the amount of 5031php. On June 2014 it was increased by 5% total=5282php. Am now receiving that amount…Assuming 1987,1988, 1989 is is included in the re-computation how much is my adjusted pension? Again my utmost gratitude to you . You’ve been a great help to us pensioner more power to you. GOD BLESS
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Comment on Late Philhealth Payments — Can I Make Retroactive Payments? by Marianne
Hello po. Question po, I’ve been a member of philhealth for over 5 years now only to find my previous employers did not remit my contribution. Only my first 1st company remitted, but incomplete. last contribution is around 2012. Now I’m expected to give birth this July, very near. and hassle if I’d go after my previous employers in Manila, as I’m in the province since I’m no longer working. Can I pay a whole year in advance or any no. of months required and use my philhealth this July which is no more than 2 months away. Please advise po. thanks!
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Comment on LBC Express Transpack Rates for Parcels Sent Within the Philippines by marife repaso
Magkano po ang charge ng pdala ng cp from zamboanga to quezon province.
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Comment on BDO Kabayan Maintaining Balance by Joan B. Descuatan
Hi sir/madame,
I wanna ask if my kabayan savings account is still active
This my savings account number (002661136424)
My name is Joan Bionog Deacuatan OFW SAUDI ARABIA
Thank you and highly waited for a reply from the bank…
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Comment on BDO Kabayan Maintaining Balance by Joan B. Descuatan
Hi maam/sir
Am joan from Saudi Arabia i just wanna ask if my kabayan savings account is still active…
This is my Savings account No. 002661136424 please i really needed your reply for emergency purposes
Thanks and god blessed
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Comment on Late Philhealth Payments — Can I Make Retroactive Payments? by Nora
Hi Marianne, you pay ASAP for April to June so you can use Philhealth in July. It’s good also if you pay Apr to Sep so your coverage is continuous. Pay at Philhealth so you can update your records and get a new MDR. Fill up the registration form and check FOR UPDATING. Bring your ID.
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Comment on BDO Kabayan Maintaining Balance by Nora
Hi Joan, sorry I can’t call BDO in your behalf because BDO, like other banks, has privacy policies. You can call BDO from Saudi tollfree via landline 800-863-0011. If you have sent money from abroad to your Kabayan account within the past 12 months, then your account is most likely active.
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Comment on SSS Salary Loan Interest Rate Is Not As Low As You Think by Nora
Hi Dada, yes, unpaid SSS loans really balloon fast. The annual interest rate is 10%. Penalty is 1% of any unpaid amount due every month. This is where the loan balloons — the penalty is imposed on unpaid principal, unpaid interest and unpaid penalties from month to month. Yes, if you’re in a calamity zone, you can apply for the loan restructuring program.
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Comment on Best Savings Accounts for Students in the Philippines by Rex Joshua
Hi! Ask ko lang po if possible po bang makapagdeposit ng check sa Allied Bank ABC Cash Card? Wala po kasi akong idea about dun eh. Thanks 
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Comment on SSS by ariespeng
Good day po,60 npo ang father ko and complete napo yung 120 na hulog,ano po gagawin para maging pensioner na xa tnx po
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Comment on Philhealth Benefits — Case Rates Payments for Certain Medical and Surgical Cases by aileen
Hi po! How much po is the coverage for endoscopy and colonoscopy? The procedure will take place in a different schedule. Senior citizen po yung patient. thanks!
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Comment on When to Restart Paying the Maximum SSS Contribution by Nora
Hi Elena, I hope you can contribute this month and the next months until about 4 to 6 months before your 60th birthday -- SSS considers the last 60 contributions prior to the SEMESTER of retirement. Contribute 1,595 because your last contribution was 1,540. Those more than 55 are not allowed to increase their contributions by more than one salary bracket from last posted contribution per year. If you can write your last 60 contributions and corresponding salary credits (count 60 contributions backward from July 2015), and your calendar years of contributions, then we can estimate your pension amount. This is better: you <a href="http://sssphilippinesnotes.blogspot.com/2013/02/how-to-enroll-in-online-sss.html" rel="nofollow">enroll in online SSS</a> so you can check your contributions, your CYS and your estimated pension. When 6 digits are asked during registration, try using 6 digits from your July 2015 receipt. If no longer recognized, pay for this month at SSS, so you can enroll online again after your payment is posted.
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Comment on BDO Kabayan Maintaining Balance by Nora
Hi Mo, sorry your Kabayan is most likely closed. Kabayan does not require a maintaining balance, but it requires at least one foreign remittance every 12 months.
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Comment on Best Savings Accounts for Students in the Philippines by Nora
Hi Rex Joshua, I replied to the email you sent to nors@banksphilippines.com
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Comment on Philhealth Maternity Benefits by BELINDA EMOKS
HEALHTY DAY PO MAM ASK KO LANG PO UNG INDIGENT PO NA PHIL HEALTH KO PO PAG UN PO BA ANG GAGAMITIN KO MY MATATANGAP PO KAYA AKO SA SSS KO ? ND KO PO KASI ALAM KUNG ANU GAGAMITIN KO PO E UNG PRIVTE PHL Q PO OR UNG INDIGENT PO E.SALAMAT PO SANA MATULUNGAN NYO PO AKO
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Comment on SSS by BELINDA EMOKS
MAM ASK KO LANG PO KUNG TATANGAPIN NG AGENCY ANG INDIGENT PHIL HEALTH KO PO PAG UN ANG GAGAMITN KO PAG MANGANGANAK PO KO PARA MY MATANGAP AQ SA SSS PO?BALI GUSTO KO PO SANA UNG INDIGENT NALNG GAMITIN KO ND UNG MISMONG PHIL KO
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Comment on SSS by Nora
Hi Belinda, I sent you an email.
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