Pagibig answers

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Wednesday, December 18, 2013

LAST Monday, I wrote about the complaint of fellow broadcaster Eric Manait of Radyo Brigada Toledo against Home Development Mutual Fund or Pagibig. Manait claimed that he applied for a calamity loan at the said agency but his application was denied because somebody had applied for it last year using his name.

Eric is a native of Sagbayan, one of the towns in Bohol that was hardest hit by the 7.2 magnitude earthquake that struck the Visayas areas last Oct. 15.

However, what Manait claimed was not what actually happened. His loan application was denied not because somebody already applied for it but because his employer(s) failed to remit his payments to Pagibig. Manait was previously with Bombo Radyo Cebu under the People's Broadcasting System (PBS). He later joined Bisalog Broadcasting, which manages dyRC Cebu.

In the spirit of fairness and fair play, I am reprinting a portion of the letter of Victoria de la Peña, Pagibig Vice President for the Visayas Group:

“Mr. Manait first availed of the Fund's Multi-Purpose Loan (MPL) last July 23, 2008 under his previous employer, People's Broadcasting System. After paying six monthly amortizations, he applied for a loan renewal last April 7, 2009. Thereafter, after paying 13 monthly amortizations, he again applied for a loan renewal last July 27, 2010.'

“However, for the loan renewal that Manait availed last July 27, 2010, he was only able to pay one amortization. As a result, his outstanding balance was deducted against his savings last Sept. 15, 2012.

“Under our calamity loan guidelines (per Circular No. 332), a member whose loan balance was offset against his savings has to wait for two years from date of offsetting before he will qualify for a calamity loan. In the case of Manait, he will only qualify for a calamity loan on Sept. 14, 2014 yet or exactly two years from date of offsetting.

“Moreover, per record's verification, we observed that Mr. Manait's contributions with the Fund were only up to May 2013. Again, Circular 332 further provides that a member is eligible to avail of a calamity loan if he has made five monthly contributions for the last six months. In the case of Manait, he is obviously not qualified because his membership is not updated.

“Thus, based on the above circumstances, it can be clearly seen that Manait was disqualified from availing of the calamity loan not because he has availed of a loan last Sept. 2012 (as there was no record of his availment) but because his previous loan was subjected to offsetting last Sept. 2012 coupled with the fact that his Pag-ibig membership contributions is not updated.”

I hope that the detailed explanation of Ms. De la Peña clarifies the issue. It was learned that Eric’s wife was the one who made a follow-up with the Pagibig office and perhaps a miscommunication happened along the way. Besides, de la Peña and Manait talked on air in my program over dySS Super Radyo Cebu yesterday.

De la Peña assured Pagibig members that it is trying its best to protect its members from unscrupulous individuals who might apply for loans using other people's name. But it has relaxed some of the requirements, especially during calamity, for the speedy release of the member's loan. It is also adopting a stricter policy in the screening of the identity of the applicants.

She announced that not only Fund members who were directly hit by the earthquake and typhoon Yolanda could avail of calamity loan but also their relatives who were not directly hit.

O, pag-loan na mo. Pero si Rene Borromeo sa dyLA ug The Freeman mireklamo man kay wala kuno aprobahi iyang calamity loan. Mao nga didto na lang siya sa Newscoop mi-loan.

Daghan man god kag employer, Renbor, mao nga naglibog ang taga Pagibig nimo kun asa ka pa-deduct.


Published in the Sun.Star Cebu newspaper on December 18, 2013.


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