Credit card, debt collector...

A few years ago, one of our acquantaince tried to apply credit card to this bank and use our home address as her personal address. Well, you know how credit card will ask for your home address and also phone number at home. Plus, they will also ask someone not living in the same house with you to confirm that they know you.

Anyway, since this person never ask permission from my mother that she will use our home address to support her application well...when the people from the credit card company called us to confirm...my Mom simply said that she knew the person. But, that person is not living here with us and after that the credit card application was rejected.

The problem is, once you let other people use your identity like home address or phone number and then they are having problem with the payment..., well you can be sure that everyone in that house will be terrorized by debt collector.

You will have to know that the bank will not remind you that your due date is near. They will however warn you when you have failed to pay after the due date. Soft warning at first, then escalate to even harder warning like saying dirty words or terrorizing all the people staying in the address given by the credit card user.

Why they have to be harsh, rude and menacing when collecting debts? Because these people usually work for agency hired by the credit card company to collect debts. The debt collector each was given target like how many they could collect money. Sure, sure... Having a target that you must achieve within month or perhaps weeks probably drive that person to be creative and use any kind of ways to ensure he or she manage to achieve the target.

Because I know several stories how people try to avoid payment. They either run, or their whole family covering up insist they have no idea where this person about, and any lies that they could come up with. The problem is, those debt collectors think that all people are the same. Nasty liars and refuse to take responsible after using credit card or borrowing money.

It is not a pleasant thing to get involved with people who have hobby to spend more that they can earn and just took off while leaving us to clear up the mess.

Then again, we could go public on newspaper but...watch it... Probably they will accuse us not telling the whole truth and just give them a bad name.

Perhaps we should just close all of our credit cards then...

Betweem trend and personal taste

I have to admit, I kinda like reading my friend's tweets... They often give me ideas about what to write on my blog.

One of them said about she pretend to watch Glee as it is one of the coolest tv show on earth. So she watch it simply to be in the trend. But after a while, she decided that she is not really into the show and back to watch CSI and 24...

Sometimes we get embarassed when our friends asked us about a new singer or popular tv show and we give them our blank stare... And then they laughed at us before finally sharing the information about the show... or that famous person...

Though actually we have to just follow all information about who, what, when, how and where ...some of us can't deny that when we are not interested then we just simply not into it. We may read, hear, watch, see about it but our brain is unable to process the information. We do not have desire other than being curious in the first place to find information about it. After that, we decide that is not our cup of tea and just drop it.

Of course, since we are interacting with other human being naturally we do feel the need to be in the crowds. Know what is in right now. Know what is trending right now.

But I guess, in the end we will simply choose things that we like even our friends will raise their eyebrows or scoffs whenever they heard us talk about it...

Goose bump!

I may have big body but actually I have only little guts…hahahaha (embarrassed mode is on) .

It was so easy to spook me actually… If you happen to be in the same room with me at night, just drop something and pretend you have no knowledge about it… I would definitely start to get scare and my imagination will running wild…

My very first encounter with the so-called ghost and yes, I think it was a ghost and not just my imagination…was around the year 2001 or 2002. My room has connecting door with my Mom’s room. She was on her trip to her family in another city. So, there were only me, my Dad and my aunt. All slept in separate rooms. I was unable to sleep that night so I decided to turn on the computer and start browsing the internet. It was around approximately 03.30 AM or something. After a while I started to hear a sound from my Mom’s room. At first I did not pay much attention, then the voice suddenly getting a bit louder… I still try to be positive, thinking that it might be my aunt singing (why in the heck she sing about anything at -3.30 AM?)

But after a few minutes the singing turns into almost a crying as if the woman was in pain or in deep sadness. All I know I got a goose bump and decided to turn off my pc. Then I knocked my aunt’s room and asked her to sleep together with me! Huahahaha… Ridiculous, yeah I know…

This is one of so many reasons I decided I should stop watching horror movie. I do not wish that someday…me alone in my apartment (as if I could ever afford to get one) and start imagining that there is a woman in white with long hair and red eyes watching every move that I make…

Yikes!!! I am scare already!!!