The EQ Post

On Ninoy's 34th death anniversary, we are rededicating EQPost to the lofty ideals of Ninoy. "No to tyranny! No to degradation of dignity!"

one year

one year
Duterte 's 418 WASTED days : What are the results your drug war (8,000 EJKs),economy? (peso weakens!),international image? (shoot-to-kill republic)

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Reflections

“How shall freedom be defended? By arms when it is attacked by arms, by truth when it is attacked by lies, by faith when it is attacked by authoritarian dogma. Always, in the final act, by determination and faith.”

― Archibald MacLeish

Tuesday, April 10, 2012

EQ Expose:Marketing Malpractices in the Philippines!

Redefining what direct product comparison means?

Truth In Packaging? The Clear MEN package back panel says " a dual-active anti-dandruff formula with 2x more scalp strengtheners"*. 
This package copy appears so convincing until you see in very small fine print what the asterisk means: "* vs.Clear WOMEN range shampoo." Unilever is redefining what direct product comparison means! It is simply comparing the product to another variant of the SAME brand.MISLEADING!

 Fruit juice products?

These bottles of Mr Muscle Kitchen helper are so misleading.
They look like fruit juice products with fruit flavors illustrated in pack! Dangerous for kids. 
 How could SC Johnson allow these products to be sold in the Philippines? Disgusting!
 Photocatalyst and Negative Ion Bulb

"The photocatalyst negative ion light bulb neutralizes the positive ions emitted by appliances such as TVs and computers, and other electrical devices that causes fatigue and stress to humans. By neutralizing these ions using negative ion light bulbs, the air around you will suddenly feel like the outdoors, the same feeling you have when you're near the forest where the air is so cool. Not only does this light bulb eliminate these ions, it also ELIMINATES CIGARETTE SMOKE, and POLLENS which cause asthma to a number of people." From GoodFaith product brochure
American Society of Heating, Refrigerating and Air-Conditioning Engineers, Inc. (www.ashrae.org).
TiO2 Photocatalyst In Light Bulbs
One concern raised about the use of TiO2 (Titanium Dioxide)  is the formation of potentially 
harmful intermediate products 
during the breakdown of organic substances.

Carl Koval, a chemist at the University of
Colorado in Boulder, and others have raised
the concern that the reactions produced by
TiO2 may create substances more dangerous
than the original pollutant.

Says Koval, When illuminated TiO2 is
used to decompose organic compounds, a
large number of intermediate compounds are
usually formed. In some cases, these intermediatecompounds can be more 
hazardous than the compound being decomposed.”

For example, he says, the breakdown of TCE
yields trichloroacetic acid (a substance almost
as toxic as TCE) and, in the gaseous phase,
phosgene (a chemical warfare agent).
by Walter A. Zeltner and Dean T. Tompkins , Associate Scientists in the Environmental Chemistry and Technology Program at the University of Wisconsin -Madison 
From an EQ POST reader:
EQualizer Post:
I have read your previous posts about consumer harassment by unscrupulous debt collection agencies.
For a change, here’s a  different story about how consumers are treated by telecom companies.
Unbelievably, this is from GLOBE TELECOM, a joint venture between Ayala and Singtel, two of the most respected companies in the ASEAN region.
January 3
1) My call to Globe Customer Service (211):
Computer voice:
Good afternoon welcome to Talk To Globe hotline:
Press 1 for English Instructions
Press 2: For Rewards, Billing, Roaming or Account Related Assistance
Press 1: For Mobile, Mobile Browsing or Tattoo
Press:2 For Postpaid
Press O:To Talk To A Customer Assistance Representative
Sorry All our Agents  are busy.You can use our live chat at www.globe.com
Should you want to wait to talk to our representative,press 0
Sorry all our representatives are busy now.
2) I decided to try the Globe live chat at www.globe
Welcome to the new, improved Globe website
Please bear with us as we are still doing some tweaks
and chasing a few bugs here and there. If you find any errors,
We would love for you to let us know, simply flag them using our
little red Flag This buttons that you can find on each page.
Thanks for your patience and for choosing Globe.

we can help you!
Need Assistance?
we can help you!
Sorry, our Globe chat assistance representatives are busy now , email us or try our direct line at Globe 211
3) So I decided to send an email to Globe:
Name:wrote my full name
Telephone Number:0917——–
home address:wrote my full home address
birthdate:wrote my birthdate(account verification)
Mother’s maiden name:wrote my mother’s maiden name (for account verification)
Request:Change of Plan:Fully loaded P299 plan effective January 15.My current plan ends on January 14. Pls confirm the implementation of my request
Email Reply of Globe
From: Globe Telecom Chat Assist Service <gtcas@globetel.com.ph>
To: My gmail account
Sent: Monday
Subject: Chat Assist Auto Reply
Hi there! Don’t forget to send us the following details so we can assist you with your concern as soon as possible:
Account Holder’s complete name
Globe mobile
Globe landline
Your concern as detailed as possible
You can learn more about Globe's product and services by logging-on  to www.globe.com.ph
Thank you!
4) Considering the futility of the live chat and email complaints, I decided to call Globe 211 again:

Computer voice:
Good afternoon welcome to Talk To Globe hotline:
Press 1 for English Instructions
Press 2: For Rewards, Billing, Roaming or Account Related Assistance
Press 1: For Mobile, Mobile Browsing or Tattoo
Press:2 For Postpaid
Press O:To Talk To A Customer Assistance Representative
Sorry All our Agents are busy.You can use our live chat at www.globe.com
Should you want to wait to talk to our representative,press 0
Sorry all our representatives are busy now.
I waited for 15 minutes and listened patiently to the Globe jingle music.
Finally a live voice:
My name is…. How can I help you?
Me:My two-year locked-in plan with Globe ends on January 14,I like to change it to a P 299 plan.
Assistant: Can I know some personal details first.
What’s your home address?
Me: I live in……..
What’s your birth date?
Me: June……..
What your mother’s maiden name ?
Me: Juanita B……
What’s your middle initial ?:
Me:Didn’t I just give you my mother’s maiden name???
Ah,Ok.Sorry,I can’t verify your contract date now.System problem.Please call again.
5) I called again after two hours ,hoping that the Globe data base system was already ok

Computer voice:
Good afternoon welcome to Talk To Globe hotline:
Press 1 for English Instructions
Press 2: For Rewards, Billing, Roaming or Account Related Assistance
Press 1: For Mobile, Mobile Browsing or Tattoo
Press:2 For Postpaid
Press O:To Talk To A Customer Assistance Representative
Sorry All our Agents are busy.You can use our live chat at www.globe.com
Should you want to wait to talk to our representative,press 0
Sorry all our representatives are busy now.
I waited again for 20 minutes and listened patiently to the Globe jingle music.
Finally a live voice:
My name is…. How can I help you?
Me:My two-year locked-in plan with Globe ends on January 14, I like to change it to a P 299 plan.
Assistant:Sorry, please call 5 days before the contract ends.
Me:Ok I will call on January 10.Thank you
6) I called Globe on January 10, 5 days before the expiration of my current locked-in contract,per the suggestion of the customer service representative:
Computer voice:
Good afternoon welcome to Talk To Globe hotline:
Press 1 for English Instructions
Press 2: For Rewards, Billing, Roaming or Account Related Assistance
Press 1: For Mobile, Mobile Browsing or Tattoo
Press:2 For Postpaid
Press O:To Talk To A Customer Assistance Representative
Sorry All our Agents are busy.You can use our live chat at www.globe.com
Should you want to wait to talk to our representative,press 0
Sorry all our representatives are busy now.
I waited for 20 minutes and listened patiently to the Globe jingle music.
Finally a live voice:
My name is…. How can I help you?
Me:My two-year locked-in plan with Globe ends on January 14,I like to change it to a P 299 plan.
Assistant: Can I know some personal details first.
What’s your home address?
Me: I live in……..
What’s your birth date?
Me: June……..
What your mother’s maiden name ?
Me: Juanita B……
What is your requested change of plan?
Me: Fully loaded P299 plan.
What freebies? Options A, B or C?
Me: What are those options?
She explained in detail the three freebies options.
Me:Plan A, extra SMS.
Sir,you need to call on the day itself, January 14.
Me:I was told to call 5 days before! Anyway, I will call on January 14.Thanks.
7) I called on January 14:
Computer voice:
Good afternoon welcome to Talk To Globe hotline:
Press 1 for English Instructions
Press 2: For Rewards, Billing, Roaming or Account Related Assistance
Press 1: For Mobile, Mobile Browsing or Tattoo
Press:2 For Postpaid
Press O:To Talk To A Customer Assistance Representative
Sorry All our Agents are busy.You can use our live chat at www.globe.com
Should you want to wait to talk to our representative,press 0
Sorry all our representatives are busy now.
I waited for 15 minutes and listened patiently to the Globe jingle music.
Finally a live voice:
My name is…. How can I help you?
Me:My two-year locked-in plan with Globe ends on January 14, I like to change it to a P 299 plan.
Assistant: Can I know some personal details first.
What’s your home address?
Me: I live in……..
What’s your birth date?
Me: June……..
What your mother’s maiden name ?
Me: Juanita B……
What is your requested change of plan?
Me: Fully loaded P299 plan.
What freebies? Options A,B or C?
Me: What are those options?
She explained in detail the three freebies options.
Me:Plan A, extra SMS.
Sir,please wait while i check your contract.
After 5 minutes,the lovely voice said:
“Sir,I just checked your contract, it ends on January 15, not January 14.”
Me: Whatever.Just change the plan on January 15 then.
The lovely voice said:Sir, it’s done.This is the confirmation number:FLP11010001856.”
I asked, “what’s your name?”
“Nicole” sir. Pls call tomorrow to confirm implementation.
Me:Why should I call again?
Nicole: to confirm.
Me:Whatever.
8) I got a text message from Globe on the evening of January 14:
Sir, this is — from Globe .The requested change of plan cannot be implemented on January 15 . Per our records, the contract expires on January 16.
9) I reported this crazy mix-up to a Globe manager.
10) I then got a Globe text: Per instruction of Mr ._______ ,we will implement the change of plan on January 15 .
11) On January 15, I got another GLOBE text: “We will charge you on a pro-rated basis for advancing the date of the change of plan from January 16 to January 15.”

Debt collectors have been the most complained-about people in the credit card business . And abuses by out-of-control collectors appear to be getting worse.
Debt collection harassment and abuse can take a particular toll on vulnerable older consumers.  The good news is that there are Central Bank regulations that are intended to protect consumers from debt collection and harassment.  These laws apply regardless of whether the consumer owes money on the debt being collected.  The bad news is that many collectors still do not comply with the law.
The information below will help advocates counsel clients about what a debt collector can and cannot do and how consumers can protect themselves.  It is also important to work with older consumers to help them evaluate which debts are highest priorities and what the possible consequences might be if they are unable to repay all of their debts.



“False representation or deceptive means to collect any debt or obtain information concerning a cardholder.” 
 
Important Note To Complainants!  Complainants should send email to BSP:  consumeraffairs@bsp.gov.ph

BSP requires the following:

1.   The full name of the complainant  and the financial institution (FI) being complained of:
2.   The signatory to the complaint should be the transactor or his/her authorized agent.

3.  Contact information and address of the complainant .

4.   Copies of relevant documents that support the complaint.
 
5. The facts of the harassment case.