Ito ay istorya ng isang Michael Arconada, na nung Agosto, 1999, ay nagfile ng loan sa AMWSLAI sa halagang ONE HUNDRED THOUSAND PESOS (Php 100,000.) Payable in 48 months at ang total na approved loan na babayaran ni Arconada ay P129, 239.00. Naging ganap na pulis na si Michael Arconada subalit hindi na niya nalaman kung naapprove ba yung loan niya o hindi. P01 na si Arconada ng mapansin niya na may kinakaltas sa kanyang sahod na halos 2,000 pesos a month. Nagtatanong tanong siya at nalaman niyang ito ay ibinibigay na kabayaran sa Air Material Wing Savings and Loans Association, Incorporated o (AMWSLAI) dahil sa loan na ini-release sa kanya. Nagtaka siya dahil wala naman siyang tinanggap na pera mula sa AMWSLAI at buong akala niya ay na disapprove yung loan niya.
Naaksyunan naman ang reklamo ni Michael subalit maraming katanungan tayong ibinato sa mga namamahala ng AWMSLAI. Lumiham sa atin ang mga opisyal ng AWMSLAI at sa ngalan ng balanseng paglalahad, nais ko pong ilathala ng buong buo ang liham nila.
Dear Mr. Calvento:
Thank you for the opportunity to explain our side regarding your column on the 22 October 2003 issue of Pilipino Star Ngayon.
a. A Special Power of Attorney (SPA) is a universal legal instrument which is not exclusive to AMWSLAI members. The use of SPA to draw or encash checks used to be a prevalent practice among our members assigned in far-flung areas. It was a practical and time-saving device, especially when we were still building up our branch network nationwide.
We found out later that SPAs had been abused by unscrupulous individuals. That is why we stopped this 2 years ago.
b. All valid claims for reimbursement/cancellation arising from misuse of SPA are paid promptly. However we have to doublecheck these because of fraudulent/fake claims in the past.
c.We have repeatedly and continuously warned our members not to deal with fixers or any third party. Photos of suspected fixers are posted regularly in all our branch offices nationwide.
d.The maximum loanable amount is the member’s salary plus capital contribution multiplied by 12. This is the SOP among all savings and loan associations. We must stess though, that the granting of the maximum loanable amount must be supported by the ability of the member to shoulder the monthly amortization, meaning his net salary can finance his debt payments.
e.Yes, it is easy to avail of an AWSLAI loan. This has been our service trademark for past 47 years. Our slogan: "Isand Oras Lang" is tried and tested. Fixers do not need to do this for us.
Again thank you for taking the cudgels of our members. Your vigilance and concern over the quality of service that institutions like AMWSLAI provide keeps us on our feet 360 days a year.
Mabuhay and more power!
Very truly yours,
CARLYZAR S. DIVINAGRACIA (MNSA)
EVP — Chief Operation Officer
Noted:COL THADDEUS P. ESTALLILA PAF (RET)
Chairman and President
AKO’Y nagpapasalamat kina Messrs Divinagracia at Estallila. Salamat din sa libreng pagpapaliwanag kung ano ang SPA. Alam ko naman siguro kung ano ito. Ang kinunwestion ko ay bakit ang SPA na pinapipirma sa mga humihiram ay nakalagay sa letter head ng AWMSLAI? Bakit ganun? Kasama na rin ang Authority to encash! Kung baga, uulitin ko, "de kahon" magiging madali ito para sa mga estafador. Bagkus inamin niyo rin na ito’y inabuso ng ilang "unscrupulous" individuals.
Sinabi niyo na wag makipag-deal o makipagusap sa mga fixers para maka-utang sa AWMSLAI at pumunta ng diresto sa inyo, nakakita ako sa ilang Police Station na nakapaskel ang announcement na ito.
"SERVICE ASSISTANT OFFER: EMERGENCY LOAN NOW OPEN FOR BUY OUT. FOR MORE INFO: CALL OR TEXT 0926-2901069 JOVENEIL T. DINOPOL." Sino ba itong taong ito? Isa naman ba itong "transmitters" na tawag n’yo? Akala ko ba wala na itong mga ganito?
Sa pagtatapos, mga kaibigan natin d’yan sa AWMSLAI, marami ang nakabasa nung aking isinulat at nagsilapitan na kani-kanilang reklamo.
Pinagsasama lamang naming at sabay-sabay naming ipaparating sa inyo.
Sigurado ko namang hindi kayo tatangging aksyunan ito. Sabi n’yo nga, Your vigilance and concern over the quality of service that institutions like AMWSLAI provide keeps us on our feet 360 days a year.
I guess into nga ang mangyayari sa inyo kung patuloy na lalapit ang mga taong nagkaproblema sa inyong tanggapan. Salamat muli at good luck.
PARA SA ANUMANG REACTIONS O COMMENTS, MAAARI KAYONG MAG-TEXT SA 09179904918. MAARI DIN KAYONG TUMAWAG SA 7788442.