Thursday, June 23, 2005

Reviewer 11 - Court and Regulator Interaction

Philstar 22 June 2005 Posted by Hello

101 Comments:

At Thursday, June 23, 2005 10:38:00 AM, Anonymous Anonymous said...

What now makes of the Fixed Value Planholders?

 
At Thursday, June 23, 2005 11:06:00 AM, Anonymous Anonymous said...

to the sender above, pls read the post

 
At Thursday, June 23, 2005 11:21:00 AM, Anonymous Anonymous said...

Thanks!

So we are assured that the Trust Fund for our Fixed Value plans will not be used for the availment of the Peptrad?

 
At Thursday, June 23, 2005 11:35:00 AM, Anonymous Anonymous said...

although the court give credence to the comment of sec, it was only partial as of the moment since only the revocation of the license of lifetime was considered, the court still requested ppi to submit further documents which now includes those that were transferred to lifetime, there was no mention whatsoever about gpl or exemplar, etc. We should continue to be vigilant especially now that the judge decide not to inhibit himself. It does not make a lot of sense why the court did not agree in toto with the sec when the sec are in a better position to decide this matters, did ppi reply to the comment of sec?, were the coalition furnish a copy of the reply? did we file any rejoinder? Justice system in this country are sometimes decided on the basis of technicality thus the need for us to be always on alert

 
At Thursday, June 23, 2005 11:49:00 AM, Anonymous Anonymous said...

assurance from the ygc group should always be taken with a grain of salt, after what they did to the peptrad planholder makes their promise always questionable at the least, not until you have finally received what was due you on a certain date can you finally be sure that you are assured, the moral story of the whole ppi fiasco is not to trust the ygc in whatever they promise for if they were really sincere with thier obligations, they would have reach out to their planholders personally in a dialogue and address the problems in a manner that would be acceptable to both sides, instead what they did is to ram everything through our throats, this is not the way to treat clients, then putting publicity gimmicks to make ygc look good and the planholders looked bad, surely to trust ygc is to trust the devil

 
At Thursday, June 23, 2005 12:56:00 PM, Anonymous Anonymous said...

In response to:


"Pre-need group seeks benefits ceiling on open-ended plans
By Zinnia B. Dela Peña
The Philippine Star 06/22/2005

The Federation of Philippine Pre-Need Plan Companies (FPPC) is seeking a ceiling on the benefits paid to planholders of open-ended plans to ensure the continued operations of pre-need firms.

In open-ended plans, a pre-need firm pays the tuition of a beneficiary regardless of the amount due.

This is opposed to a fixed value plan that specifies a fixed amount the beneficiary would receive upon maturity.

FPPC president Juan Miguel Vazquez said there should be a cap for open-ended benefits to ensure the survival of pre-need companies.

"The indefinite use of open-ended educational plans is not sustainable.

Any liquidity assistance can only be available if those with open-ended plans fix their liabilities," he said.

Vazquez urged pre-need companies that have determined a need to put a ceiling on these open-ended liabilities to start dialogues with all planholders in order to assure them that they will get paid and steps are being taken to adequately safeguard the interest of investors.

The FPPC has also proposed the re-purchase of the plan by the pre-need company with an imputed fair return for the planholder.

At the same time, the FPPC is also backing a plan giving regulators the authority to take over an errant pre-need company.

Equity Managers Asia Inc. chairman Francis Estrada, meanwhile, wants the government to provide tax breaks on premiums paid on traditional educational plans.

But first, he said, a rigorous professional independent audit must be conducted to determine the economic viability of the pre-need industry’s business model.

He said the regulator must withdraw the dealers’ license of insolvent pre-need companies and take over the operations of these cash-strapped pre-need firms.

Estrada said shareholders of distressed pre-need companies should subscribe to additional capital in the holding company as a condition for staying in the business.

An agreement among majority of planholders, pre-need companies and Securities and Exchange Commission (SEC) should be made to restate and reduce the maturity values of traditional educational plans to reflect realistic investment return assumptions.

Meanwhile, Vazquez also sought a fair formula/model that would compute the actuarial reserve liability (ARL).

The ARL is defined as the estimate of future payments on existing contractual obligations."

-----------

I know someone who attended the pre-need conference. Below is the proposed solutions of the federation.

1) Come-up with a ceiling for the open ended benefits and have a dialogue with the stakeholders and share the pain by mutualizing the difference.

2) Provide proper transition for implementation of Circulars 6,7,8

3) Come up with a fair formula that would compute for ARL

4) Work with legislators to create a great pre-need law.

How does the recent events affect us?

With the cancellation of registration of Lifetime PLans, all assets will be reverted to PPI. Rehab plan will be junked since it is moot and academic. However, same situation as before since Pre-need industry and lawmakers are taking the stance of capping open ended benefits. Thus, hardly any flicker of hope left for us getting full benefits.

As mentioned above, federation is recommending dialogue with planholders so "ceilings" can be discussed. Time to negotiate?

 
At Thursday, June 23, 2005 1:15:00 PM, Anonymous Anonymous said...

Negotiation is always available. Anyone can continue talking, but to whom? For those who have paid for in full the trad plans, how will a ceiling be acceptable? Never! For future contracts, pwede pa, pero if I am paying for one now, lipat na lang to a fixed plan or balik-pera na lang. You buy a product for its benefits. If every preneed company stopped selling open ended since 2002, it's the secondary market that thrives. And ang main benefactors are the agents, who will sweet word any prospect client. This should stop! The preneed law should criminalize whatever secondary market business except for legitimate ones. There should be qualifications of course. Again, for fully paid, to get the brunt of this ceiling ng preneed law, wow, what an injustice. The Philippines goes down a notch. No wonder insurgency is always around.

 
At Thursday, June 23, 2005 1:35:00 PM, Anonymous Anonymous said...

In response to:

"Again, for fully paid, to get the brunt of this ceiling ng preneed law, wow, what an injustice"

To help us availing planholders, can we petition the courts to payout all availing planholders at current tuition rates until all the available funds are used up? Then, ceilings can be negotiated for the other future availing planholders. This will allow continuity of payments while discussions or negotiations are ongoing.

I think this a fair proposal since availing planholders are currently experiencing the impact of partial payment of tuition.

 
At Thursday, June 23, 2005 2:00:00 PM, Anonymous Anonymous said...

IT IS SAD THAT THE FEDERATION OF THE PRE-NEEDS DEDICIDED ONLY NOW TO SUGGEST OF A SOLUTION. WHERE WERE THEY WHEN THE CAP AND PPI PLANHOLDERS WERE HAVING PROBLEMS CLAIMING THEIR AVAILMANTS. sURELY THE FEDERATION ARE ONLY TRYING TO PROTECT THEIR OWN, WAITING THAT IF THE CAP AND THE PPI WERE ABLE TO HAVE THEIR WAY OF NOT PAYING THEIR CLIENTS, THEY TOO WILL FOLLOW THESE TWO COMPANIES, BUT BECAUSE OF THE RESPONSE OF THE PEP COALITION BRINGING THE CORPORATE ILLEGAL MACHINATIONS TO THE ATTENTION OF THE PUBLIC IN GENERAL AND THE SENATE IN PARTICULAR, THEY THE FEDERATION NOW KNOWS THAT THE PLANHOLDERS WILL NOT TAKE EVERTHING IN STRIDE BUT ARE WILLING TO FIGHT FOR THEIR RIGHTS. sHAME ON THE FEDERATION FOR NOT GIVING THE PLANHOLDERS THE ASSISTANCE THEY NEED WHEN THEY NEEDED THEM MOST.

 
At Thursday, June 23, 2005 2:17:00 PM, Anonymous Anonymous said...

Apparently, the pre-need companies and lawmakers are following Japan's actions:


"The sense of crisis mounted so high that in July 2003 the Diet passed a revision to the Insurance Business Law (*2), which allows struggling life insurance firms to reduce the fixed rates of return guaranteed to policyholders even if the insurers do not intend to file for bankruptcy.(*3) The Financial Service Agency (*4), which backed the legislative revision, argued that while guaranteed yield reductions will lead to reduced coverage on certain types of policies, policyholders will face less of a financial blow than if an insurer were forced into bankruptcy. Fearing that such a move could set off a flurry of policy cancellations by angry customers, major life insurers immediately declared they had no plans to resort to this emergency option. If, however, investment conditions continue to be severe, the companies may find it virtually impossible to live up to their pledges.
Deregulation and liberalization in the insurance industry have advanced since the revision of the Insurance Business Law was enforced in 1996, as a part of Japanese version of financial "Big Bang" initiatives, and the Japan-US Insurance Talks. Consequently, both life and non-life insurance companies have struck a number of operational tie-ups and merger deals, aiming to improve their financial health and competitiveness."

 
At Thursday, June 23, 2005 2:41:00 PM, Anonymous pikachu said...

coalition of 6 said...
Please clarify the June 9 Order of Judge Barza which states that the PEP Coalition has only 6 signed affidavits.

Coalition of 6?


On this point, I would like to make a recap of what transpired in the sala of Judge Romeo Barza, Mkt RTC 61 yesterday at 10 a.m.

It was so brief (like the presentation of the the ENLIGHTENED) with a blink of an eye
(I said a BLINK OF AN EYE, not a sneeze. Hacker might again say, "so you must be..... cause you blinked!!!!)it was all over!!!!

No wonder the justice system in this country moves at turtle pace.
No wonder our country doesn't progress.
No wonder, people resort to going to Senate and Congress and the streets just to have their grievances heard, as it is the fastest venue for making anyone more aware so as to resolve the issue.
I may just think of taking up law and one day end up as a justice of the court, not a lawyer mind you. It looks like the job of a justice isn't as difficult as that of a lawyer and yet seems to be more lucrative than that of being a striving lawyer.

I will not go into the intricacies of the legalistic details as I said I am not (yet) a lawyer but I will try to explain to you what exactly happened in layman's terms.

1. The hearing started about a little past ten in the morning, June 22, 2005 with Judge Romeo Barza presiding. (He doesn't look too bad, sayang nasira lang cause of the reputation he carries).

2. The legal counsels were all intoduced. To my surprise, there were more lawyers for the PPI planholders, whether they be Coalition, independent planholders against the rehab, or the pro-rehab than the lawyers for Pacific. Of course, the ever "blinded-loyal Yuchengco lawyer" Tecson was there.

3. The court stenographer (is that what you call her) read all the motions or petitions of both parties.

4. There were exchanges of statements but mostly dealing with the pronouncement that documents were never furnished by PPI to the opposition( us ). PPI on the other hand also claimed that they too did not receive documents filed by the opposition.

5. I guess, this strategy of PPI not to furnish us with documents and at the same time claim they didn't receive ours, must be a delaying tactic on their part. They have to re-think their strategies, as the whole drama is unfolding before their very eyes and the scales of justice is tipping over in our favor, bringing the Yuchengco's closer to
Retribution Day!!!!!

6. With this, Judge Barza adjourned the session, which lasted approximately 30 minutes, give or take a few. And rescheduled another hearing on July 27, 2005.

WHAAAAAAT!!!! IT'S OVER??????

WELL, with this I came up with my own conclusions.

1. We all know that the court has upheld S.E.C.'s decision regarding the revocation of Lifetime and the reversal back into PPI subject to the submission of the consolidated financial statements of PPI and Lifetime. Which by the way, PPI was told to do so by next hearing.
Up to this yesterday, Lifetime has not yet submitted to S.E.C. its financial statement for 2004 whether it be the unaudited or final FS. Why????? Need more time to do window dressing and hide all your fraudulent transactions?????

2. The petition for rehabilitation
is moot and academic. So it would also be useless for Judge Barza to inhibit himself as there will be nothing to inhibit himself from, as the rehab plan is junked, nada, kaputttttt !!!!

3. This is a graceful way out for Judge Barza. Its a face-saver. He is just buying time so he can tell his bosses that his hands are tied and cannot give in to their request for a rehab as the S.E.C.'s decision for revocation of Lifetimes incorporation makes rehab, again, MOOT AND ACADEMIC !!!! INTIENDES MI AMIGAS Y AMIGOS ????? COMPRENDE????

4. The petitions filed by the opposition such as Inhibition, Wrong Venue (Manila not Makati), and others will be inconsequential once the Judge rules the rehab moot and academic. (I just love those words!!!!! It's like music to my ears!!!! SIGAW NG MGA PINOY, MOOT AND ACADEMIC, MOOT AND ACADEMIC. MGA SALITANG NAKAKABINGI SA TENGA NG MGA MAKASALANAN. MOOT AND ACADEMIC.... This is just a segment of a new rap that I will ask my son to expound on and who knows, it may it may hit platinun on the record charts!!!!)

5. The post about the "coalition of 6" was a big laugh as it was again so obvious that the Judge was using that to get back at the coalition for our Motion to Inhibit against him. How was that possible, that he claimed only 6 SPA's were attached to our motion, when there were more than 6 in the Sala and all have filed SPA's not to metion that the number of SPA's are just too much for a simple stapler to staple together. In other words, there were more than enough SPA's. For the sake of argument, what is it to the judge if the Coalition did consist of 6 members? The point is, 1, 2, 6, or thousands is enough to file a motion or opposition to the rehab. What's his point?????

6. In the Motion to Inhibit, the judge WAS a founding partner of a law firm which was the predecessor-in-interest of the Villaraza and Angangco Law Firm, whether it be 20 years ago or just yesterday. Villaraza may not be the legal counsel of PPI but we all know that they are behind it and are just using satellite firms to front for them. The point is, Barza is a frat brod of Atty. Villaraza, UP Sigma Rho. We all know the pact by which fraternities/sororities go by. So just for delicadeza (that's if the Judge has any of it) he should inhibit himself. But again, that is Moot and Academic as the Rehab will be junked and there is nothing for him to inhibit himself from.

So for the Hacker who said in the other Post that "hindi kami mababayaran", well this is all I have to say to you. Justice will soon be served. We will be "paid"
and your bosses will do retribution for the wrongs they have committed. Just watch the events unfold before your very eyes. Maybe you should start looking for another job and make sure you do not indicate in your biodata that you were once working for YGC or no one will hire you!!!

For the Hacker who loves to analyze our posts and recaps of senate sessions. As the saying goes, "mahaba man ang prosesyon, sa simbahan din ang patutunguhan". Let us not mince words, the end result will still be the same. Your bosses will soon pay for their very costly mistakes.

And for curiousity, to the one who asked, "MATABA BA TALAGA SI ATTY...?" Which Atty are you referring to? As far as I can recall, the people I know who are "well nourished" (take note of my politically correct statement as I do not want to be accused again of attacking one's physical attributes) are not lawyers.

So with this, I bid good afternoon to everyone. I do hope your day ends well. Peace and love to everyone!!!!!!

 
At Thursday, June 23, 2005 4:03:00 PM, Anonymous Anonymous said...

In response to:

"To help us availing planholders, can we petition the courts to payout all availing planholders at current tuition rates until all the available funds are used up? Then, ceilings can be negotiated for the other future availing planholders. This will allow continuity of payments while discussions or negotiations are ongoing.

I think this a fair proposal since availing planholders are currently experiencing the impact of partial payment of tuition."

True colors are starting to show.

 
At Thursday, June 23, 2005 4:43:00 PM, Anonymous vagabond said...

Looks like Vazquez and the Federation are losing sight of what a pre-need contract is all about. Putting a cap on open ended plans is NOT the solution to the problems of the pre-need industry.

I will repeat it. Pre-need is about TRUST.

If you change the terms of the contract against the wishes of the planholder who kept up his part of the contract, you essentially violate TRUST and thus erode the very bedrock of the industry.

The Pre-need industry invented these plans and enticed planholders to buy their products with the promise that the planholders would no longer have to worry about future expenses. If somewhere along the way, the provider's assumptions were proven wrong, it is not the planholder's fault, it is the planprovider's, so the planprovider should shoulder the expense of living up to its promises. After all, when the going was good, it enjoyed the benefits from a thriving business such as dividends and bonuses. Why should it be that when times get tough the planholder will be left holding the empty bag?

No Mr. Vazquez, Pre-need companies can restore the consumers' faith and trust in them not by putting caps on tradplans, but by ASSURING THAT EACH AND EVERY CONTRACT WILL BE HONORED TO THE LETTER.

Short of this, "mutualizing the difference" or whatever mumbo-jumbo the industry resorts to will fall short and not restore the tarnished reputation of the entire industry.

No, Mr. Vazquez, the best thing you can do to help the Pre-Need industry is ENSURE THAT YOUR MEMBERS LIVE UP TO THEIR COMMITMENTS. Then maybe your company will not have to spend on those full page ads trumpeting how TRUSTworthy your company is, and how solvent it is. The frequency of your ads is an indication of how badly this crisis has affected your industry and you can only repair the damage by winning back the trust of the public. And this you can do by helping your fellow members HONOR THEIR CONTRACTUAL OBLIGATIONS TO THEIR PLANHOLDERS.

Or sanction them severely for reneging on those obligations.

 
At Thursday, June 23, 2005 4:53:00 PM, Anonymous vagabond said...

Anonymous said...
think this a fair proposal since availing planholders are currently experiencing the impact of partial payment of tuition."

True colors are starting to show.



What is fair?

For every last planholder currently availing, still to avail, trad or fixed value, exclusive or non exclusive to be paid what is stated in their contract. Nothing more, nothing less. I believe that is FAIR.

And that is what the Coalition stands for.

 
At Thursday, June 23, 2005 5:30:00 PM, Anonymous Anonymous said...

In response to:

"For every last planholder currently availing, still to avail, trad or fixed value, exclusive or non exclusive to be paid what is stated in their contract. Nothing more, nothing less. I believe that is FAIR.

And that is what the Coalition stands for."

Unfortunately, getting full benefits back will unlikely happen to PPI planholders. Industry and lawmakers will draft policies/laws based on the majority of pre-need (traditional) planholders who are mostly CAP planholders. CAP is so insolvent that they can't even pay back the orginal money of the planholders. Lawmakers know that pushing for full benefit payout for the industry will be impossible specially for CAP. They will draft policies that will ensure equal distribution of meager resources and that is done by imposing ceilings and the so called "sharing of pain".

 
At Thursday, June 23, 2005 5:41:00 PM, Anonymous Anonymous said...

In response to:

Unfortunately, getting full benefits back will unlikely happen to PPI planholders. Industry and lawmakers will draft policies/laws based on the majority of pre-need (traditional) planholders who are mostly CAP planholders. CAP is so insolvent that they can't even pay back the orginal money of the planholders. Lawmakers know that pushing for full benefit payout for the industry will be impossible specially for CAP. They will draft policies that will ensure equal distribution of meager resources and that is done by imposing ceilings and the so called "sharing of pain".

SAD TO SAY, YOU ARE RIGHT. OUR CHANCE OF GETTING OUR FULL BENEFITS IS EQUAL TO THE CHANCE OF THE CAP PLANHOLDERS GETTING THEIR FULL BENEFITS WHICH IS VIRTUALLY NIL!!!

 
At Thursday, June 23, 2005 6:12:00 PM, Anonymous Anonymous said...

vagabond said: "The Pre-need industry invented these plans and enticed planholders to buy their products with the promise that the planholders would no longer have to worry about future expenses. If somewhere along the way, the provider's assumptions were proven wrong, it is not the planholder's fault, it is the planprovider's, so the planprovider should shoulder the expense of living up to its promises. After all, when the going was good, it enjoyed the benefits from a thriving business such as DIVIDENDS and BONUSES. Why should it be that when times get tough the planholder will be left holding the empty bag?

Shouldn't those dividends and huge bonuses be returned to PPI? If there is no money to cover PPI's obligations to the Pep Trad planholders, then this just means that there should not have been any dividends and excessive bonuses paid to PPI shareholders,officers, agents etc.... dividends and bonuses are suppose to be declared only if there are excess funds..... the position being taken now by YGC only shows that they should never have been given those dividends and bonuses....

 
At Thursday, June 23, 2005 6:19:00 PM, Anonymous Anonymous said...

TO THE BLOGGER WHO SAID "VERY OBVIOUS, COMPETITOR KA!" DATED JUNE 22 11:52 AM : KUNG COMPETITOR AKO, EH SINO KA?
I AM A SIMPLE HOUSEWIFE WHO HAPPENS TO HAVE 2 TRADITIONAL EDUCATION PLANS. I GUESS I AM SIMPLY TRYING TO GET EVEN WITH THE YUCHENGCOS ,WITH THE HURT, INCONVENIENCES AND DIFFICULTIES EXPERIENCED BY MY FAMILY, BROUGHT ABOUT BY THE REHAB PLAN. I AM POSTING IN THIS BLOGSITE TO ENCOURAGE, NOT ONLY THE PEP TRAD HOLDERS, BUT ALSO THEIR FRIENDS AND SYMPHATIZERS, TO BOYCOTT THE YUCHENGCO GROUP OF COMPANIES. IN OUR OWN LITTLE WAY... IN OUR OWN SMALL WAY, WE CAN PRESSURE THE YUCHENGCOS, A RICH AND POWERFUL GIANT, TO HONOR THEIR COMMITMENTS TO US. AJA! AJA! FIGHT!!!
1) RCBC UNIVERSAL BANK
2) RCBC SAVINGS BANK
3) RCBC TELEMONEY EUROPE
4) RCBC INTERNATIONAL FINANCE LTD
5) RCBC CALIFORNIA INTERNATIONAL INC.
6) HI-EISAI PHARMACEUTICAL INC.
7) HONDA CARS- FAIRVIEW
8)HONDA CARS- MANILA
9) HONDA CARS- MARIKINA
10) ISUZU - MANILA
11) ISUZU COMMONWEALTH
12) iPEOPLE, INC.
13) MAPUA INSTITUTE OF TECHNOLOGY
14) PEOPLE ESERVE
15) FUNERARIA PAZ- SUCAT, INC.
16) MANILA MEMORIAL PARK CEMETERY
17) FIRST MALAYAN LEASING AND FINANCE CORP.
18) ZAMBOANGA INDUSTRIAL FINANCE CORP.
19) RCBC CAPITOL CORP.
20) BANKARD
21) RCBC SECURITIES
22)MALAYAN INSURANCE COMPANY, INC
23) MALAYAN REINSURANCE CORP.
24) MALAYAN INTERNATIONAL INSURANCE CORP.,LTD
25) MALAYAN INSURANCE CO.(hk) LTD
26) MALAYAN INSURANCE CO.(UK) LTD
27) MALAYAN ZURICH INSURANCE CO., INC.
28) TOKIO MARINE
29) GPL HOLDINGS, INC.
30) GREPALIFE
31) PACIFIC PLANS, INC
32) PAN PACIFIC COMPUTER CENTER
33) GREPALAND, INC.
34) NIPPON LIFE OF THE PHILS.
35) HOUSE OF INVESTMENTS, INC.
36) EEI CORP.
37) PHILROCK, INC.
38) LANDEV CORP.
.....KUNG MEROON PANG AFTER-LIFETIME PLANS, INC. PAKI-BOYCOTT NA RIN.

 
At Thursday, June 23, 2005 6:26:00 PM, Anonymous Anonymous said...

MISLEADING INVITE!!

I AM A PLANHOLDER AND MY SON GOES TO XAVIER. I RECEIVED AN INVITE TO THE PEP COALITION STATING:

"WHY: MEMBERS WILL GET PRIORITY IF THERE IS ANY SETTLEMENT OF THE PEP CASE"

THIS STATEMENT IS TOTALLY FALSE. I HAVE TALKED TO SEVERAL LAWYERS EXPERIENCED IN REHAB CASES AND THEY SAID THAT PLANHOLDERS WILL BE TREATED EQUALLY WHETHER THEY OR NOT THEY ARE PETITIONERS OR NOT. WHATEVER DECISION OR SETTLEMENT THAT IS ARRIVED WILL BE GIVEN TO ALL PLANHOLDERS WHETHER OR NOT THEY ARE MEMBERS OF THE COALITION OR ANY OTHER GROUP. COURTS WILL NOT DISCRIMINATE ANY GROUP OF PLANHOLDERS.

COALITION,PLEASE DONT SEND OUT MISLEADING STATEMENTS!!!!!

 
At Thursday, June 23, 2005 6:43:00 PM, Anonymous Anonymous said...

Simple housewife? Pwede rin. With a husband who works in a competitor, blessed with nice house, has at least 2 vehicles, baka nga BMW pa ung isa (i know of one lady ng coalition who flaunts that) and has other perks.

Yah sure! Simple housewife nga!

 
At Thursday, June 23, 2005 6:44:00 PM, Anonymous Anonymous said...

COALITION,PLEASE DONT SEND OUT MISLEADING STATEMENTS!!!!!

Yes, even my friend and my brother received same message.

 
At Thursday, June 23, 2005 6:45:00 PM, Anonymous Anonymous said...

The coalition is soliciting support that's why they send those messages.

Sabi nga ng court order ni Barza, 6 lang sila. Pero kinorek naman ni Mario Ongkiko na majority raw sila. Sabi ni Ongkiko, they are 153.

153 out of the 34,0000. ANG GALING!

 
At Thursday, June 23, 2005 6:54:00 PM, Blogger PopsJ said...

Response to 'MISLEADING INVITE':

I am a Coalition member, belong to the same yahoogroup, and is active in my own small way but I DID NOT RECEIVE THE INVITATION.

I have to apologize pa rin in behalf of PEP Coalition. We are sorry but it did not came from us. Somebody out there is muddling up. We did not form the coalition to grab the top ranking or priority.

We want ALL planholders to get what we have paid for, plain and simple.

Kontrata ipatupad! Rehab ibasura!

 
At Thursday, June 23, 2005 7:16:00 PM, Anonymous Anonymous said...

To Xavier Parent:

I haven't seen the invite but I don't think that "any settlement" meant the rehab. I believe it meant that if any settlement is made other than that of the courts decision.(You will have to attend the mtg to find out what I mean) So please DON'T FLARE UP. I hope you don't get offended but what the coalition is trying to discourage are fence sitters and those who decide to join the bandwagon when they see developments are moving towards the solution to the problem, as we have come across many of those type. I understand why they are such, since they don't not have faith anymore in the justice system and in the country as a whole. You have the liberty to pursue your case on your own without the coalition's help but what we are just saying is that the case would not have reached this stage in so short a time if it were not for the efforts each member of the coalition has done (PRO BONO).
I am a Xavier parent too and Im sorry if you felt the invite was misleading but it was NOT according to what was stated "IF THERE IS ANY SETTLEMENT OF THE PEP CASE". As in any invite, it was meant as a catchy line for you to find out why, as an invite cannot explain every detail in such a small sheet of paper. Again, DO NOT FLARE UP TILL YOU KNOW THE REAL SCORE. WHY DON'T YOU COME AND VOICE OUT YOUR OBJECTIONS AND SEE & HEAR FOR YOURSELF WHAT HAS TRANSPIRED SINCE APRIL 13. There are many parents who do not know where to go or what to do in such a situation but if you are privileged enough to hire your own lawyer or just wait till some other settlement comes around, its your choice. No one can force you.
It's just sad you didn't understand the invite and start accusing the coalition of misleading. Its sad too that you are a Xavier parent such as many of us and yet felt that we will try to mislead. Remember the Xavier value of Magis (Man for Others)? Our sons were raised the Xavier way and we as Xavier parents (at least most of us)have that value instilled in us too, otherwise we would not spend our time and our own money fighting for all those who have been duped by the Yuchengcos, Coalition member or not. Anyway, the invitation is still open to you and again use it as a venue to air your gripes!!! Hope to see you there!!!!

 
At Thursday, June 23, 2005 7:40:00 PM, Anonymous Anonymous said...

Its sometimes so disgusting to hear parents who are in the same boat as everyone else affected by the pacific fiasco and tearing against each other. It really reminds me of how the mentality of some of our countrymen are. Instead of helping each other, they want to rip each other apart. The Yuchengcos and their cohorts must be laughing their heads off especially after that post of the Xavier parent accusing another Xavier parent. Don't you know the battle strategy, "divide and conquer"? Well, if you all start accusing the others you are just succumbing to the trap the Yuchengcos and their cohorts set.
Get a hold of yourselves. See how the hackers think? They just want to rip the coalition apart but sorry, try harder. The figure Atty. Ongkiko stated was the number of SPA's that were attached when the Opposition paper was filed in court last May 13 cause if all the SPA's were to be attached then it would take several folders. Why are you hackers so thrilled about our numbers? It should be more shameful to you and the Yuchengcos that is we were only a handful but we were able to get results by leaps and bounds compared to the CAP case. Laugh all you want, and to those who love to complain and accuse, waddle in your own misery and don't come crying to the coalition if you need help and when EVERYONE (INCLUDING YOU WHO LOVES TO COMPLAIN AND ACCUSE) reaps the benefits of a settlement, I just hope you will have the decency to at least thank the coalition for the efforts they have done cause without the coaltion, who was the first and primary mover to fight the Yuchengco's, the case wouldn't be where it is right now. ADMIT IT !!!! And as S.E.C.'s Fe Barin says, it should be solved before the end of this year!!!!!

 
At Thursday, June 23, 2005 7:58:00 PM, Anonymous Anonymous said...

Simple housewife? Pwede rin. With a husband who works in a competitor, blessed with nice house, has at least 2 vehicles, baka nga BMW pa ung isa (i know of one lady ng coalition who flaunts that) and has other perks.

Yah sure! Simple housewife nga!

Thursday, June 23, 2005 6:43:26 PM

To the Person who posted the above.
How cynical can you get. what's wrong with you guys? You seem to enjoy what you are doing. why does it seem like you are so envious of people who are blessed with material wealth? I don't know that lady nor do you so who are you to start assuming she and her husband are rich, and so if they were, what is the problem? And if there is a lady in the coalition who flaunts it as you say, its your opinion. Flaunting is what you perceived her actions to be but maybe only because you are envious. Again, whats wrong with you? Do you have some kind of inferiority complex or personality defect? Is your self esteem so low that you enjoy castigating others for what they have which you don't? Maybe you should channel your anger to the people who have caused the problem, the Yuchengcos. The simple housewife didn't do anything wrong to you so why are you so hot at getting back at her and accusing her of being blessed with material wealth? Is is her fault? Maybe she and her husband work hard and therefore have all the right to enjoy such abundance. Stop being so envious and be more positive. If your a YGC hacker then I just hope you too get enlightened and realize that what you are doing is not constructive and is bad karma. I wonder if you really are happy in what you are doing? I shall pray that you will realize that what you are doing will not bring anything but harm to yourself. So before you close your eyes tonight, examine your conscience and see how many people you have hurt today and make sure you say an act of contrition as you will never know if tomorrow will ever come for you.

 
At Thursday, June 23, 2005 8:14:00 PM, Anonymous Anonymous said...

Here's a quote from Cornelius Vanderbilt, the man who built the American railroad:

"You have undertaken to cheat me. I won't sue you, for the law is too slow. I'll ruin you."

I hope some planholders share my sentiment, for I also want to say to the Yuchengcos:

"You have undertaken to cheat us. We will not sue you for the law in this country is too slow. We will ruin you all the way down to your children and grandchildren.

 
At Thursday, June 23, 2005 8:15:00 PM, Anonymous Anonymous said...

One-liner statements can really be taken out of context and it is unfortunate that parents come across and accuse co-parents before understanding the substance of the statement.

I am no lawyer, but I understand that in the case of judicial settlements or in-court settlement, the court mandates who gets how much and in what form and when.

However, in the case of an extrajudicial settlement or out-of-court settlement, the final settlement involves the petitioner (in this case the coalition) and the defendant (you know who).

It is my personal opinion that that one line in the text referred more to the extrajudicial settlement. A NON-MEMBER of the coalition cannot expect the same benefits in such a settlement since every settlement will depend on the final agreement between defendant and petitioner. In the case where there are other petitioners other than the coalition (e.g., those who filed separate cases vs PPI), each petitioner could be getting a different kind of settlement.

I am one of your XS co-parents. I dont think misleading the parents was the intention of the text and I am saddened that it was taken in this light. I just wish the complaining parent could see how hard their co-parents have been working to try and help out despite the cost in time and effort. It is no joke to do what they have already done and continue to do. If only we could HELP MORE and COMPLAIN LESS, we could achieve more.

Let's not wait for others to do all the work and for us just to reap the benefits without lifting a finger (and in the process, even bringing down those who continue to work PRO BONO).

 
At Thursday, June 23, 2005 8:46:00 PM, Anonymous Anonymous said...

Ha! Ha! Ha! Pikachu, thanks for the report on the RTC with Judge Barza... It was so funny the tears were rolling down my cheeks! "SIGAW NG PINOY: MOOT AND ACADEMIC! MOOT AND ACADEMIC!" Please DO get your son to make that rap song, I can hardly wait to buy it!

It is really so STRANGE that Lifetime has not submitted any financial statements, despite a court order! And it is WEIRD that Judge Barza just adjourned the session, to meet more than a month later. Of course, that business about not having documents was orchestrated so that he would have an excuse, no matter how flimsy, to adjourn. Hmmmmm, it's not STRANGE and WEIRD -- it's SUSPICIOUS.

 
At Thursday, June 23, 2005 9:01:00 PM, Anonymous Anonymous said...

The Xavier parent who complained about the misleading statement was so angry! He was infuriated at the thought that he would have to get off his behind and actually DO something for himself! Can't a person be left in peace to just sit back and reap the benefits of other peoples' hard work? How dare you even suggest otherwise!

 
At Thursday, June 23, 2005 9:17:00 PM, Anonymous Anonymous said...

"Simple housewife? Pwede rin. With a husband who works in a competitor, blessed with nice house, has at least 2 vehicles, baka nga BMW pa ung isa (i know of one lady ng coalition who flaunts that) and has other perks."

I'm calling for a BOYCOTT! I have 5 cars. What's wrong with that?

It's my legal right to stop doing business with people who defrauded me. It's my legal way of protest!

Eto na naman ang VP ng RCBC (savings?). Walang magawa kung hindi maki-pag post dito! Buking ka na!

Me working for your competitors? NOPE! You'd be damned scared if you knew my line of work. Am sure it will scare you shitless. Guess how I traced your input?

 
At Thursday, June 23, 2005 9:40:00 PM, Anonymous Anonymous said...

To the parent who said he/she received a misleading text: Sana makinig muna tayo sa sasabihin before we react....Ang hirap sa atin minsan, puro react ng react...kulang sa ACTION! Sana man lang nagpasalamat tayo sa mga tumutulong sa ating cause. Wala na ngang naitutulong ang iba, mareklamo pa.

 
At Thursday, June 23, 2005 10:21:00 PM, Anonymous vagabond said...

Anonymous said...They will draft policies that will ensure equal distribution of meager resources and that is done by imposing ceilings and the so called "sharing of pain".


If "sharing the pain" means the planholders will get less than what they paid for while the planproviders are jailed for fraud , then i'm all for it. THAT WOULD BE FAIR.

Anything less would be unfair to the planholders.

Hindi pwedeng walang tama ang mga Yuchengco/PPI kung kinakailangan magsakripisyo ang mga planholder by accepting something less than what they contracted for.

 
At Thursday, June 23, 2005 10:26:00 PM, Anonymous pikachu said...

O my, what's happening? As much as I feel bad about parent accusing other parents for trying to mislead him/her by the invitation he/she received, I agree with the other posts that there are so many who just love to complain and worse accuse those who have been working for everyone who have been defrauded by the Yuchengcos, and wonder if they are doing anything constructive themselves to help the others, other than themselves.
Like that parent and I guess, the 700 or so Xavier parents whose children are enrolled in Xavier with a Pacific Education Plan, I too am a Xavier parent and I was so shocked to see the accusation without actually just calling up the person he/she got the message from and inquiring what the message or invitation was all about. I make it a point that before accusing someone outright, I talk to the person to get all the facts before I jump to a conclusion. And as posted earlier,
the Xavier value of the Magis or Man for Others is a value each parent, not just a Xavier parent, must have as this value will minimize the kind of attitudes I have been observing on this blogspot. And I shall include those from the Yuchengco camp and their blind followers and the RCBC VP who loves to log on and lambast the coalition. Try being a Man for Others, this time and see what a big difference it will do to your life and how others will appreciate you for your kindness and not your selfishness.

 
At Thursday, June 23, 2005 10:42:00 PM, Anonymous Anonymous said...

since the trust funds of Lifetime was frozen in 3 trustee banks.......Any idea how much is the marked-to-market values of these funds?

 
At Thursday, June 23, 2005 11:06:00 PM, Anonymous Anonymous said...

"Eto na naman ang VP ng RCBC (savings?). Walang magawa kung hindi maki-pag post dito! Buking ka na!

Me working for your competitors? NOPE! You'd be damned scared if you knew my line of work. Am sure it will scare you shitless. Guess how I traced your input?"

Hey Anonymous!! I love the way you gave it to that R.C.B.C. VP. That's the way to go. Just like their boss, AY,Helen & her sisters, he/she is underestimating the coalition. If they only knew!!!!! If the Yuchengcos have their resources, so does the coalition. Not everyone is powerful but the coalition is composed of parents from all walks of life, all levels of society. Didn't the Yuchengcos realize that they may be up against some "powerful" people too who are so angry with the fraud they have committed especially since the fraud has deprived their children from the right to a good education and worse still, they have deprived many who do not have the resources to fight a corporate giant such as them. That's why, I too am warning those Yuchengco cohorts and the Yuchengcos themselves to think well and decide soon as they are losing more as each day passes than if they had settled their obligations with the trad planholders. How much in Peso and Dollar Value are the Yuchengcos losing each day? How about the loss of trust people now have on the Yuchengcos? Who would ever buy another pre-need plan, life or non-life insurance from them for fear of them reneging on their contract/promise?
Who would want to bank with R.C.B.C. and wake up one day just to find out the bank had closed down and all your life savings gone up in smoke? AMB. ALFONSO YUCHENGCO, HELEN, SUSANNE, YVONNE, THE BOARD OF DIRECTORS OF THE YGC GROUP, THIS IS A WAKE UP CALL FOR YOU !!!! PAY UP OR FACE THE SHAME THAT WILL GO DOWN IN PHILIPPINE HISTORY AS THE FAMILY AND BUSINESS EMPIRE THAT DEFRAUDED & DEPRIVED THOUSANDS OF CHILDREN OF THEIR RIGHT TO A GOOD EDUCATION !!! CAN YOU REALLY SLEEP SOUNDLY? THE LONGER YOU TAKE TO PAY UP AND LIVE UP TO THE PROMISE OF THE CONTRACT, THE MORE ANGRY AND IMPATIENT THE PARENTS ARE GETTING AND THE PENALTIES WILL BE STIFFER. DON'T LAUGH, AS WE WILL HAVE THE LAST LAUGH !!!!!

 
At Thursday, June 23, 2005 11:48:00 PM, Anonymous vagabond said...

In response to...
Unfortunately, getting full benefits back will unlikely happen to PPI planholders. and

SAD TO SAY, YOU ARE RIGHT. OUR CHANCE OF GETTING OUR FULL BENEFITS IS EQUAL TO THE CHANCE OF THE CAP PLANHOLDERS GETTING THEIR FULL BENEFITS WHICH IS VIRTUALLY NIL!!!


Oh you of so little faith!

When this whole fiasco started, PPI/Yuchengco calculated that the planholders of PPI would just shrug their shoulders and move on. Well, maybe they'd complain here and there but that would be it.

PPI/Yuchengco even had a date when the decision approving their rehab would be released, Jun 4. Last i looked, it was already Jun 23 and PPI/Yuchengco finds itself in a quicksand it can't get out of and its rehab plan is still in question.

It was hoping to run away from its obligations to its tradplanholders but like a guilty conscience, the tradplanholders just won't fade away.

I would not close the book on planholders not getting full benefits just yet. This drama has had so many surprises already i wouldn't dream of closing the book on anything.

Just you watch. And keep the faith. And work with the coalition.

I have seen miracles wrought before.And i believe miracles will be happen in our case, if it has not happened already. And will continue to happen.

It is said that God helps those who help themselves. And that He works in mysterious ways.

I have witnessed how a ragtag band of parents were able to humble a corporate behemoth in two short months. And that made me a believer.

Maybe you should believe too. That with God on your side, anything is possible, however unlikely it may seem.

 
At Friday, June 24, 2005 2:38:00 AM, Anonymous Anonymous said...

Atty. Ongkiko clarified that the 6 SPAs that the judge mentioned in the Order pertain to the SPAs of the planholders represented by another coalition lawyer. These SPAs were part of first Annexes of the Opposition Paper. The SPAs of the PEP Coalition were in the latter Annexes. It only shows that the judge did not really go through the complete documentation or up to the very last page of the Annexes.

Comparing the PEP Coalition's Opposition Paper and related Annexes to the Petition for Rehab filed by Pacific Plans last April, the latter definitely had much more pages. So, if the judge was not able to go through the coalition's opposition and annexes completely after almost one month, i.e. from May 13 (filing of the opposition paper) to June 9 (date of the Order), how can we expect him to go through PPI's rehab petition (more than 1000 pages)in just 5-6 days and then issue the Stay Order. PPI submitted their petition sometime April 5-7 and the Stay Order was given April 13. Something fishy???

It is also worth noting that the Order (1. stating that PEP Coalition only had 6 SPAs, etc., 2. deny motion to inhibit, 3. SEC ruling on the LPI revocation is immediately executory 4. PPI should submit an audited FS with the combined assets, etc. of both PPI and LPI) was dated June 9 but none of the oppositors received a copy of the document(there were more than 10 lawyers representing different oppositors in the court last Wed). But guess what? Tecson has a copy which showed that they received it last June 15. I understand that the Barza's clerk of court should mail copies of this Order to all parties. It's just mind boggling that none of the oppositors received a copy. I was also wondering why media knew about this Order last Tuesday (before the Oppositors did). ANC aired this news Tuesday night. The papers featured the news Wednesday so they have the info Tuesday as well. Talagang kataka-taka. Anyway, since PPI c/o Tecson received their copy last June 15 and they were given 7 days to response, a Motion for Partial Reconsideration was submitted by PPI last June 21. This was what they submitted instead of the audited FS mentioned in the Order. In fact, there was no intent to submit the FS since they claim that this is not necessary at this time considering that they also have a Motion for Reconsideration (on the revocation) with SEC. With all these, the judge still cannot dismiss the rehab petition since he wants to see the financial status of PPI with the merged LPI assets. So the hearing was again rescheduled to July 27.

I think that even with the June 9 Order, the coalition should continue with the "fight". Who knows... this was scripted and is a part of big "stage play" having TECSON and BARZA as the lead stars, scripted by the Villaraza and Angangco law firm and produced & directed by the Yuchengcos. The planholders are the 'extras' and 'alalays'.

As the saying goes....ABANGAN ANG SUSUNOD NA KABANATA!!!

 
At Friday, June 24, 2005 3:01:00 AM, Anonymous Anonymous said...

Call me paranoid but I really smell something fishy after reading Anonymous' post above. Malansang-malansa!!!

I think we need to be very vigilant. This supposed upholding of the revocation, I suspect, is part of the other side's strategy. This was done with their blessing!!! It may not be as cut and dried as it looks. I have my own theory as to what they are planning but for the moment, I will keep that to myself.

Seems the judge is acting under direction by someone as it seems he reports first to THEM before informing the oppositors. Now....if that does not sound suspicious, what does? Wily, cunning, shrewd, devious they are. Let us watch their every move.

But to those behind these schemes (I prefer to call them that than "strategies") I continue to urge you to come clean NOW rather than continue painting yourselves into a corner. With every new development, your true colors and odious smell seeps out. And while they are not yet talking nor making big moves, your colleagues in BIG INDUSTRIES are watching you, noting down HOW you treat us, and begin to wonder how YOU would treat them eventually business-wise. You just may be shooting yourselves not only in the foot but everywhere else.

If you don't play fair, you may just find yourselves out of business down the road.

 
At Friday, June 24, 2005 7:35:00 AM, Anonymous Anonymous said...

Me working for your competitors? NOPE! You'd be damned scared if you knew my line of work. Am sure it will scare you shitless. Guess how I traced your input?

Hahaha! M not scared of you! BECAUSE MALI ANG TRACE MO. YOU MAKE ME LAUGH! HAHAHAHA!

 
At Friday, June 24, 2005 7:41:00 AM, Anonymous Anonymous said...

but none of the oppositors received a copy of the document(there were more than 10 lawyers representing different oppositors in the court last Wed). But guess what? Tecson has a copy which showed that they received it last June 15.

eh anong problema dun! Di ba nung nilabas din ng OSG lawyer ang revocation order ng lifetime sa hearing nung May 25, kayo rin lang ang may kopya.

 
At Friday, June 24, 2005 8:35:00 AM, Anonymous Anonymous said...

Its sometimes so disgusting to hear parents who are in the same boat as everyone else affected by the pacific fiasco and tearing against each other. It really reminds me of how the mentality of some of our countrymen are. Instead of helping each other, they want to rip each other apart.

Disgusted you may be but this really happens. You are deepeing the fissures among the planholders but trying to justify the text message sent.

 
At Friday, June 24, 2005 8:49:00 AM, Anonymous Book Hunter said...

I agree with the boycott but let us expand it to the whole preneed industry! After all, they, as a group, are now proposing "ceilings". Then, let us hold ALL OF THEM resposible.

 
At Friday, June 24, 2005 8:53:00 AM, Anonymous Anonymous said...

Book Hunter said...
I agree with the boycott but let us expand it to the whole preneed industry! After all, they, as a group, are now proposing "ceilings". Then, let us hold ALL OF THEM resposible.

Hay naku! As if okay lang sa kanya ang manira ng livelihood ng mga employees, associates and planholders of all pre-need companies.

Taga saang industrya ka ba? Life Insurance? Mutual Fund?

BOOK HUNTER? MORE LIKE TERMITE TO ME!

 
At Friday, June 24, 2005 9:25:00 AM, Anonymous Anonymous said...

Let's continue to be vigilant!

Let's put pressure on the AUDITORS of PPI / Lifetime whoever they may be. Like judges, nababayaran din ang mga auditors.

Let's talk to the SEC and together with the Coalition propose to the court to have representatives from both the SEC and PEP Coalition to make sure that the audited consolidated Financial Statement of PPI / Lifetime present fairly and accurately the true condition of the whole company.

Baka dito pa sila makalusot. Dapat lahat ng posibleng butas matakpan.

 
At Friday, June 24, 2005 9:29:00 AM, Anonymous Anonymous said...

To above,

Eh bakit mo naman isinama ang planholders? Wala namang sinabi si Book Hunter na ganoon. 'whole preneed industry', ahente katulad mo, tama. Hindi dapat paniwalaan!

 
At Friday, June 24, 2005 9:33:00 AM, Anonymous Anonymous said...

Hay naku! Dearth of knowledge talaga. Eh syempre pag apektado industrya ng pre-need e di apektado rin mga ahente at mga pamilya nila.

TAKE NOTE OF THE WORD 'NILA' KASI HINDI AKO AHENTE!

 
At Friday, June 24, 2005 10:05:00 AM, Anonymous Anonymous said...

In response to:

"However, in the case of an extrajudicial settlement or out-of-court settlement, the final settlement involves the petitioner (in this case the coalition) and the defendant (you know who)."

In a judicial settlement, all planholders will be treated equally and no preference to any group can happen.

In an extrajudicial settlement, do you honestly believe that the PEP coalition will be getting more than the other groups? In fact, I believe the Coalition will be in the bottom of the food chain compared to the other groups. With all the noise created by the Coalition, I am pretty sure that PPI will be negotiating last with your group.

Pro-rehab first!!!!

 
At Friday, June 24, 2005 10:58:00 AM, Anonymous Anonymous said...

Dont expect any payments from the Yuchengcos. Nadaya na tayo, boycott all his companies.Somehow it will hurt him one way or another. May Karma pa rin. Yuchengco is probably trying to figure out where he can put his most priced RCBC. Baka maging another bank again. So all RCBC depositors be warned and be alert. Baka iba na ang mayari ng pera ninyo sa RCBC.
These Yuchengcos will be hit by something else worse then one can imagine. Ask ourselves magkano kaya si Judge? Nakakahiya ka, Judge ka pa. Mas mabuti pa maglinis ka na lang ng courthouse mo ang dumi pati ikaw and all the Yuchengcos with you.

 
At Friday, June 24, 2005 11:35:00 AM, Anonymous Anonymous said...

Yuchengcos will sleep soundly. Fraud is not new to them. This is just the biggest so far. Sanay na sila. To get back, (take note mr rcbc savings vp). I just "arranged" for a friend to get out of a loan and the bank doesn't even know it yet! haha! The bank does not even know na wala na silang hawak sa collateral! hahaha! Cancelled na lien nila!

 
At Friday, June 24, 2005 11:37:00 AM, Anonymous Anonymous said...

To the guy who posted at 10:05:02 AM, Friday June 24"

How convenient for you to copy and paste portions of what I posted. This is what I said (and there are 2, not 1, paragraphs that talk about the extrajudicial settlement):

(1st par)"However, in the case of an extrajudicial settlement or out-of-court settlement, the final settlement involves the petitioner (in this case the coalition) and the defendant (you know who)."

(2nd par.)"It is my personal opinion that that one line in the text referred more to the extrajudicial settlement. A NON-MEMBER of the coalition cannot expect the same benefits in such a settlement since every settlement will depend on the final agreement between defendant and petitioner. In the case where there are other petitioners other than the coalition (e.g., those who filed separate cases vs PPI), each petitioner could be getting a different kind of settlement."

Let me point to your logical errors.

1. You said "In a judicial settlement, all planholders will be treated equally and no preference to any group can happen."

At first glance that is right, if all planholders hold equal types of plans. But the courts, recognizing that there are different types of planholders (exclusive, non-exclusive, availing, non-availing) may choose to give EQUAL payments to planholders WITHIN THE SAME CATEGORY. Whatever it is, the court has the last say and everyone has to follow.

2. Your second statement argues from emotions rather than logic and I quote: "In an extrajudicial settlement, do you honestly believe that the PEP coalition will be getting more than the other groups? In fact, I believe the Coalition will be in the bottom of the food chain compared to the other groups. With all the noise created by the Coalition, I am pretty sure that PPI will be negotiating last with your group."

DID I SAY PEP COALITION WILL GET MORE THAN OTHER GROUPS? NO!

This is what I said and I will paste it again here, lest the blogger takes my statement out of context na naman:
"A NON-MEMBER of the coalition cannot expect the same benefits in such a settlement since every settlement will depend on the final agreement between defendant and petitioner. In the case where there are other petitioners other than the coalition (e.g., those who filed separate cases vs PPI), each petitioner could be getting a different kind of settlement."

I DID NOT SAY THE COALITION WOULD GET MORE. AND FOR ARGUMENT, NEITHER DID I SAY IT WOULD GET LESS. In extrajudicial settlements, each petitioner has to negotiate his own settlement. Kanya-kanyang negosasyon na po yan.

So, if there are 10 petitioners, there could be 10 different types of settlement with PPI.

Whether the end result is a judicial or extrajudicial settlement remains to be seen.

As to your last 2 sentences, I will not dignify to comment on them anymore as they sound like the tantrums and arguments made by my child pag galit na.

GOOD DAY TO ALL INCLUDING TO THE BLOGGER I MENTIONED ABOVE!

 
At Friday, June 24, 2005 11:38:00 AM, Anonymous Anonymous said...

The contact person who arranged the cancellation of lien was only too happy to do it for a very small fee as he too has a plan with PPI. See now, how planholders can get back?

 
At Friday, June 24, 2005 12:28:00 PM, Anonymous Anonymous said...

The contact person who arranged the cancellation of lien was only too happy to do it for a very small fee as he too has a plan with PPI

Admittedly, nagbabayad kayo ng tao!

 
At Friday, June 24, 2005 1:44:00 PM, Anonymous Anonymous said...

"Admittedly, nagbabayad kayo ng tao!"

you paid your lawyers to renege on me/us, so I paid a "processing fee" to "put a cap on my obligation". You see, due to circumstances beyond my control (your reneging on your promise), I am unable to meet my obligation with your bank as I have to pay for tuition. Is that not your logic? Fair is fair. :)

 
At Friday, June 24, 2005 2:07:00 PM, Anonymous Anonymous said...

Utak bandido!

 
At Friday, June 24, 2005 2:09:00 PM, Anonymous Anonymous said...

Mr. RCBC Savings, you might want to start checking out all your registrations w/all the RODs! Baka magawan mo pa ng paraan! Also, you might want to prevent further losses! Maybe that will justify your continued employment!

 
At Friday, June 24, 2005 3:38:00 PM, Anonymous Anonymous said...

In response to:

"At first glance that is right, if all planholders hold equal types of plans. But the courts, recognizing that there are different types of planholders (exclusive, non-exclusive, availing, non-availing) may choose to give EQUAL payments to planholders WITHIN THE SAME CATEGORY. Whatever it is, the court has the last say and everyone has to follow."


Does this mean my proposition below is possible?


"To help us availing planholders, can we petition the courts to payout all availing planholders at current tuition rates until all the available funds are used up? Then, ceilings can be negotiated for the other future availing planholders. This will allow continuity of payments while discussions or negotiations are ongoing."

 
At Friday, June 24, 2005 4:01:00 PM, Anonymous Book Hunter said...

"Hay naku! As if okay lang sa kanya ang manira ng livelihood ng mga employees, associates and planholders of all pre-need companies.

Taga saang industrya ka ba? Life Insurance? Mutual Fund?"

FYI. I would also advocate a boycott of the Life Insurance or Mutual Funds if they propose a "ceiling" on benefits.

If the employees of these "industries" are benefiting from immoral acts, should we support them? Should we worry about the livelihood of the "employees" of the drug lords? Should we worry about the livelihood of the people working for the Jueteng industry?

Why are you so threatened by a boycott? The preneed companies have lost our trust by unilaterally proposing a ceiling. So, simple conclusion... we stop buying.

 
At Friday, June 24, 2005 4:30:00 PM, Anonymous Anonymous said...

"In extrajudicial settlements, each petitioner has to negotiate his own settlement. Kanya-kanyang negosasyon na po yan"

Kaya kayong mga pro-rehab, maghintay na lang kayo ng year 2010. Tutal, iyan naman ang gusto ninyo! E di, happy tayong lahat, di ba?

 
At Friday, June 24, 2005 5:05:00 PM, Anonymous Anonymous said...

If the employees of these "industries" are benefiting from immoral acts, should we support them?

Again, your definition of 'immoral acts' is relative to your needs and is not absolute! Definition mo lang yan and I think that is not being shared by others even from your coalition of 6.

 
At Saturday, June 25, 2005 12:13:00 AM, Anonymous Anonymous said...

"Hahaha! M not scared of you! BECAUSE MALI ANG TRACE MO. YOU MAKE ME LAUGH! HAHAHAHA"

Nervous laughter? Funny am not even a registered coalition member. Precisely because I wanted to move on my own. If I do something I don't want the coalition to be affected.

Just like us victims of fraud that affected our loved ones. You too will be affected if your love ones will be hurt.

 
At Saturday, June 25, 2005 9:40:00 AM, Anonymous Anonymous said...

Just like us victims of fraud that affected our loved ones. You too will be affected if your love ones will be hurt.

COME ON! DO IT! KASI MALI KA TALAGA! IF YOU'RE WORKING FOR THE INTELLIGENCE COMMUNITY, THEN THAT PROVIDES A CLEARER PICTURE OF THE FAILURE OF INTELLIGENCE NOWADAYS. KUNG SA KABILA KA NAMAN, YOU'RE TOTALLY OFF COURSE.

SUGGESTION PRE, PUNTA KA NA LANG SA IRAG AT MAGPAKIDNAP DUN. MAS MAGAGAMIT PA YANG RAMBO STANCE MO OR IS IT JOHNNY ENGLISH OR MR BEAN?

 
At Saturday, June 25, 2005 10:57:00 AM, Anonymous Anonymous said...

"COME ON! DO IT! KASI MALI KA TALAGA! IF YOU'RE WORKING FOR THE INTELLIGENCE COMMUNITY, THEN THAT PROVIDES A CLEARER PICTURE OF THE FAILURE OF INTELLIGENCE NOWADAYS. KUNG SA KABILA KA NAMAN, YOU'RE TOTALLY OFF COURSE.

SUGGESTION PRE, PUNTA KA NA LANG SA IRAG AT MAGPAKIDNAP DUN. MAS MAGAGAMIT PA YANG RAMBO STANCE MO OR IS IT JOHNNY ENGLISH OR MR BEAN?"

Now your jumping to conclusions? Heh-heh! I told you, you don't want to know.

Hayaan mo, your wish is my command. I will not of course post on what, when , and how. Am not as stupid as you, leaving a pile of shit wherever you go- just like a dog you are!

Iraq? I'd rather deal with the terrorist like Yuchengcos and Sobrepenas. Your nothing but a flea! All your hiding and using different computer units pa! Heh-heh! Trying to deflect your path? Too late!

 
At Saturday, June 25, 2005 12:20:00 PM, Anonymous Anonymous said...

All your hiding and using different computer units pa! Heh-heh! Trying to deflect your path? Too late!

HAHAHAHA! IISA GAMIT KO! WRONG AGAIN! WAWA KA NAMAN TSONG!

 
At Saturday, June 25, 2005 1:56:00 PM, Anonymous Anonymous said...

"Utak bandido!"

A DOSE OF YOUR OWN MEDICINE....MAPAIT BA?

 
At Saturday, June 25, 2005 2:37:00 PM, Anonymous Anonymous said...

MAPAIT? HINDI! KASI KAYO LANG ANG BANDIDO!

 
At Saturday, June 25, 2005 3:35:00 PM, Anonymous Anonymous said...

Kung Bandido yung gumanti sa inyo, ano tawag mo sa amo mo? Di hamak na mas sugapang manunuba sya. At ikaw na alipores ng manunuba, mas lower life form ka pa sa lowlife na amo mo. bumalik ka na nga sa blog mo!woof. woof.

 
At Saturday, June 25, 2005 4:16:00 PM, Anonymous Anonymous said...

ano ba ang tawag sa nagpapagamit?

bi ba prosti?

kaya yung mga nagpapagamit sa YGC, tawag sa inyo eh prosti.....

 
At Saturday, June 25, 2005 5:41:00 PM, Anonymous Anonymous said...

sanay na sanay! gumagamit ka talaga ng prosti ano!

eh ang kasama sa FREAKSHOW, ano ang tawag? COALITION OF 6?

 
At Saturday, June 25, 2005 5:43:00 PM, Anonymous Anonymous said...

woof, woof? ha? ang aso, may proven record of loyalty.

eh anong tawag sa coalition of 6? linta! kasi sinisipsip ang dugo ng iba para sila ang mabuhay.

sinisipsip ang para sa iba!

 
At Saturday, June 25, 2005 6:16:00 PM, Anonymous Anonymous said...

Anonymous said...

woof, woof? ha? ang aso, may proven record of loyalty.

eh anong tawag sa coalition of 6? linta! kasi sinisipsip ang dugo ng iba para sila ang mabuhay.

sinisipsip ang para sa iba!


Umamin ka na rin na aso ka. Utuuto.
As for linta, e, diba ang amo mo ang sumipsip ng pinaghirapang pera ng planholder at nangakong babayaran ang tuition ng kanilang mga anak? So sino ang linta? diba ikaw at amo mo? ay, nga pala, aso ka nga pala. woof. woof. Sorry, hindi ka pala linta, amo mo lang. aso ka nga pala.

 
At Saturday, June 25, 2005 6:32:00 PM, Anonymous Anonymous said...

aso? di ako un dahil wala akong loyalty kundi sa misis ko lang.

linta? wala kayong pruweba kundi sabi sabi lang! PURO DALDAL PURO HANGIN.

UTO UTO? IKAW UN! DAHIL KASAMA KA SA FREAKSHOW!

MABUHAY ANG COALITION OF 6! MABUHAY ANG COALITION NG IILANG LINTA AT LIMATIK!

WOOF WOOF? GAWIN PA KITANG KINILAW!

 
At Saturday, June 25, 2005 9:33:00 PM, Anonymous Anonymous said...

sa kampon ni YGC....
post mong cell ng asawa mo dito tyak maraming tatawag doon...yun eh kung me asim pa!

 
At Saturday, June 25, 2005 10:34:00 PM, Anonymous Dog Trainers r us said...

aso? di ako un dahil wala akong loyalty kundi sa misis ko lang.

So, the dog is loyal only to his bitch. fair enough. After all, bayaran lang naman sya ni Yuchengco, so loyal lang sya sa bitch nya. Woof! I'm sure pag wala nang pera si Yuchengco, sa iba naman papauto yang aso na yan, upon orders from his bitch. tsktsktsk. Woof! shoo! balik sa blog mo,shoo!

 
At Saturday, June 25, 2005 10:42:00 PM, Anonymous Dog Trainers r us said...

WOOF WOOF? GAWIN PA KITANG KINILAW!


Gusto mo ko'ng gawing kinilaw? sige, magkita tayo sa lugar na gusto mo. bigyan pa kita ng suka.

Pero, duda ako kung sisipot ka. matapang ka lang naman dito kasi di ka nakikilala,eh.

woof! woof! Tago ka pa ng tago sa anonymous.woof woof. Is your bitch in heat? My dogs can smell her already! woof!

 
At Sunday, June 26, 2005 12:57:00 AM, Anonymous Anonymous said...

grabe ang mamang hot for AY at helen dee(moño)! do u understand what u accuse us of? alam mo ba na nung 1999 or 2000, within the grace pd of 2 mos, di tinanggap ng ppi ang payment namen kc daw late. di ba acceptable pa un within 2 mos accdg to contract provision? pinatagal nila tapos kinuwenta lahat ang penalty at surcharges at pinapirma pa kame na di na rw transfer ang policy? kahit alam kong me laban ako don, di na ko lumaban and i paid from P2,000 to P4000 per policy at pumirma sa change in policy na gusto nila, pero bakit ngayon ayaw magbayad ang ppi? kame lang ba dapat ang susunod sa kagustuhan nila at sila lalabag sa kasunduan? ang KAKAPAL NG MUKHA NYO! kailan pa nauso ang one sided policy? SWAPANG KAYO, PATI IKAW RCBC SAVINGS VP KA PA NAMAN, DI KA LANG UTU UTO, NAKIKISAWSAW KA PA SA KASAKIMAN NG AMO MO? CGE SANA GUMAPANG KAYONG PARANG AHAS!!!!!!

 
At Sunday, June 26, 2005 1:06:00 AM, Anonymous Anonymous said...

HOY MR. RCBC SAVINGS BOYCOT BANK, AT MR. VASQUEZ, WAG KAYONG MAG ALALA, KAHIT ISANG PRODUCTO NG MGA PRE NEED INSURANCE, PATI NA HEALTH CARDS NA MADADAYA RIN, LIFE AND NON LIFE INSURANCE, DI NA KAME BUY. TPL NA LANG FOR OUR NEW CARS KC NIREREQUIRE NG LTO. KUNG HINDI NGA LANG, PATI TPL BURADO NA SA BUDGET NAMEN. NAKIKISAWSAW DIN YANG VASQUEZ NA YAN, ANG KAKAPAL NG MUKHA NYO, MANGHIRAM NGA KAYO SA ASO TUTAL NAMAN AMINADO SI RCBC VP (NA WALANG BREEDING) NA ASO SHA. ANG PANGIT MO BAKLA!

TEKA C HENA YATA UNG SINASABING MATABA AH! NAGKAKAMALI SILA, HINDI ABOGADO C HENANG TABA, KAGAYA LANG DIN SHA NI RCBC SAVING BOYCOT BANK. O CGE HA MAGSAMASAMA NA LANG KAYO SA LABANGAN NYO KC PAREPAREHO NAMAN KAYONG BABOY SA PAMUMUHAY!

 
At Monday, June 27, 2005 3:15:00 PM, Anonymous Anonymous said...

THE BITCHES ARE RIGHT THERE IN YOUR COALITION HINDI BA!

SOSYAL NA BITCHES! MAY BAKLANG BITCH PA NGA EH!

 
At Monday, June 27, 2005 3:33:00 PM, Anonymous Anonymous said...

no, were not bitch. i dont know but, maybe the bitch is YOU! wala rin akong alam na bakla sa coalition kc lahat naman macho. nakita mo ba sa PICC walkout how intelligently, Atty. Piccio lambasted your PADIERNOS, sayang pogi pa naman sa labas, pero di nagmatch sa soul nya. cge tulog ka na sir eheste mam, we wont be able to accomplish anything, much less solve our problem with AY and the devil woman, if we continue to spend time with ur nasty and uneducated reactions. Wag ka ganyan, baka sabihin ng lahat, WALA KANG BREEDING! im sorry ha, last na to, ayoko ng kaaway! [may you be in peace)..............

 
At Monday, June 27, 2005 6:16:00 PM, Anonymous Anonymous said...

OGAG KA TALAGA! EH PEKENG ABOGADO NAMAN YANG FREAKSHOW NYO EH.

PAKILALA ABOGADO, ABOGAGO PALA!

DI MO KILALA KUNG SINO BAKLA JAN? WAWA KA NAMAN. O AYAW MO LANG UMAMIN NA ISA KA RIN SA KANILA!

 
At Tuesday, June 28, 2005 12:03:00 AM, Anonymous Anonymous said...

To the previous poster, wala ka na bang ibang magawa? Kawawa ka naman talaga? Kung puede lang, huwag mo na kami guluhin dito sa blog namin.

Meron ka bang pamilya, lalo na mga anak. Sana naman hindi nila malaman ang mga pinaggagagawa mo. Tingin mo maipagmamalaki ka nila dahil dito? Kami, alam naming maipagmamalaki kami ng mga anak namin dahil nilalabanan namin ang kalokohan na ginawa ng mga Yuchengco. Gusto namin na matutunan nila na huwag magpapaisa sa mga ibang tao, lalo na diyan sa mga ubod ng yaman at yabang na gaya ng Yuchengco. Ikaw, maipagmamalaki kaya nila ang pagsunud-sunod mo sa mga taong manloloko.

Kung gusto mo ng rehab, well and good. Kung dyan ka masaya, eh di mabuti. Yan ang gusto mo, eh! So huwag mo na kaming pakialaman dahil hindi rehab ang gusto namin.

Pakitanong naman sa mga Yuchengco, kay Garcia, Tecson at Desiderio kung bakit kinailangan magkaroon pa ng Exemplar at MEMNON? Bakit kinailangan na ang Pacific Plans ay ibenta sa Exemplar at and MEMNON naman ang naging may ari ng majority ng Exemplar? Hindi ba katunayan ito na talagang may balak ang mga Yuchengco na ipamigay ang PPI. Tapos nilang pakinabangan at kunan ng pera, itatapon na lang nila.

Alam mo, kung may takot ka sa Diyos, mag-isipisip ka na. Minsan lang mabuhay kaya sana naman pairalin mo ang nararapat. Kung di mo talaga kaya, ikaw ang bahala.

Sinabi ba ni Piccio na siya ay isang abogado. Kung oo, sabihin mo nga kung kailan. Ang ibang tao ang tumatawag sa kanya ng Atty. pero ang lagi niyang sinasabi ay huwag siyang tawagin ng Atty. kung hindi Philip lang. Kung hindi mo makuha ang ibig sabihin nito, nasa sa iyo na iyan.

 
At Tuesday, June 28, 2005 8:17:00 AM, Anonymous Anonymous said...

sa tagapagtaguyod ni AY at hellen di... i wll just pray for your soul. pinipilit mo na akoy bakla, sorry ka na lang, im very sure, hindi po ako bakla.

seriously, ano ba ang gusto mo at nanggugulo ka dito, we're just after our rights and what is due us. nakuha mo a ung post ko previously that in 1999, i was made to pay penalties and surcharges of thousands of pesos for some days of delay in payment, that they themselves caused us? alam mo ba tht i insisted to pay at rcbc but they refunded my payments. i have the proofs of all the deposits and refunds. i have several policies of all kinds, 2 lang ang in use, and actually un isang in use, binura na yata nila sa masterlist nila, e non ex lang naman un. also, when i was abt to collect for the h.s. tuition fees of my daughter, sabi nila, u have to declare ur scholar and expose for five years before using it. that was not the way my agent explained it to me when i bought on deferred scholar kc nga di ko pa alam kung sino papasok sa ex and non ex schools. under the contract there is the so called reinstatement and/or redating, there is also provision for change of scholar. bakit inobliga nila kame sumunod sa one sided contract nila? still, i trusted them so i obliged to pay. but now, look, di pala sila magbabayad ng tama sa mga planholders, they shd have at least offered to return the penalties that they collected in the past. dont u think that is a simple greed? gusto nila collect lang ng collect tapos forget na lang disbursement? IKAW NAMAN PARE, SANA NAIINTINDIHAN MO ANG AMING MGA MISFORTUNES SA KAMAY NG YUCHENGCOS, ANYWAY HINDI KA NAMAN SIGURO KASINGYAMAN NILA DAHIL TRABAJADOR KA LANG NILA. UNLESS UR A MEMBER OF THE FAMILY AND UR MADE TO WORK FOR THEM BY FORCE.

retiring na husband ko and i placed all my trust in Pacific that even if i will jst vend snax and ulam after my husband's retirement, i would still be able to put my children to skul. eh paano na yan? Now i learned, i should only put my trust and hope in God, wag na lang sa mga tao/insurance cos. pati yan health insurance na yan, kc they tend to be greedy once they get hold of ur money. GOD never changes, kung ano Sya noon, ganoon pa rin Sya now and in the future. Very constant, very stable. WALA NG PUWANG ANG MGA INSURANCE COMPANIES SA AKIN NGAYON! I DONT CARE KUNG MASIRA ANG INSURANCE INDUSTRY, THEY ARE ALL THE SAME BAD BANANAS!

ok, if Piccio is not an atty. so be it! ano problema don e di naman sha nagrerepresent sa court litigation namen. Di rin sha nagnonotario. at lalong wala shang intention mameke dahil made na sha. i dont care if he's a bar member or not, all i know is i am thankful to him and the rest of the coalition officers/volunteers because they are dedicating so much time and energy without being paid. we are all victims here kaya kami nagkakaisang ipaglaban ang para lang naman sa amin, walang labis, walang kulang. sana magrepent ka na para di ka makasali sa future (worst) karma ng mga amo mo dahil what u reap is what u sow. naku think of ur family's future if youre a family man, but if ur still single and have no chance of bearing children, ok lang, at least save ur soul thru faith in Christ.

Salamat sa iyo ha, wag na tayong mag away away kc bk one day magising ka na lang na inaagrabyado na rin ni hellen di ang salary mo by force. she'll make sure u sign a contract of voluntary salary reduction and cancellation of benefits para free naman sha sa NLRC. ginagawa nya yan sa mga empleyado nya. IM A WITNESS! SANA MALIWANAGAN KA NA BEFORE ITS LATE. salamat.

 
At Tuesday, June 28, 2005 11:45:00 AM, Anonymous Anonymous said...

cge na nga. awat na. wala ng away, u stand on your own issues, i on mine.

 
At Wednesday, June 29, 2005 12:14:00 PM, Anonymous pikachu said...

"cge na nga. awat na. wala ng away, u stand on your own issues, i on mine."

To Anonymous:

Thank you, as this was the best post I have read so far from you.
We shall have to respect each others views and convictions. Let us not try to intimidate others (you and us the coalition) and just get on each others nerves. You and the coalition have one common goal, and that is to get what was promised to us but the means by which we want it is where we differ. That is natural and this is were democracy comes in. But morally, let us from now on respect each other, stop calling each other names and work towards a constructive solution to the problem we are all facing. Thank you again and peace to you and your family, but I still pray that the Yuchengcos will soon realize that they too are losing more by not facing up to the problems they have caused, just like what GMA did. At least GMA, whether she's guilty or not, had the decency to face her accusers and speak, it may be too late as some say, but nevertheless, she had the guts to break her silence. So once again, PEACE AND LOVE TO EVERYONE !!!!!!

 
At Wednesday, June 29, 2005 2:05:00 PM, Anonymous Anonymous said...

PEACE! AMEN TO IT! INSHA ALLAH! LET IT BE!

AGREED! IN ANY FORA, NO MORE NAME CALLING!

PEACE AND LOVE!

 
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