Why I will NOT Pay my Pag-IBIG Housing Loan at MERALCO's Bayad Center

In a previous post, I complained about SM Payment Center because of their collection of 5-peso transaction fee when I paid my Pag-IBIG housing loan. Well, I just discovered that MERALCO’s Bayad Center is much worse! The teller asked me to pay a whopping 7 pesos transaction fee when I paid my Pag-IBIG housing loan last night.

I asked the teller to return the bill for my Pag-IBIG housing loan. The lady answered, “bakit po?” Nagkahiyaan na. So I just continued paying the housing loan at that Bayad Center with a heavy heart.

I felt that I was robbed again and this is much worse.

You may be laughing My Dear Reader because I cried a bucket of tears just because of 7 pesos. “What a terrible miser”, you might be saying now. Sorry but 7 pesos is a big amount of money to me because I worked hard to earn that money.

Well, at least I know now that I should avoid Bayad Center like the plague.

Here is the list of amount service charge for Pag-IBIG housing loan payment:

SM Payment Center: 5 pesos

Bayad Center: 7 pesos

Metrobank: 0 peso

LBC: 0 peso

As you can see, Metrobank and LBC are the best payment centers for Pag-IBIG housing loans. Bayad Center must be avoided and boycotted to show to MERALCO that we do not tolerate their expensive transaction fee.

Why I will NOT Pay My Pag-IBIG Housing Loan at SM

I am not a fan of Banco de Oro (BDO) because it is the bank that still charge interbranch deposit fee. I have been victimized by this modus of BDO plenty of times and I always go out of their branches angry and felt cheated. Fifty pesos (50 Php) is not a small amount after all.

I thought that only BDO has this modus but I recently discovered that another Henry Sy owned corporation has found ways to get more money from its customers. That corporation is SM malls, particularly the SM Payment Center.

We went to SM Supermarket to buy some groceries. Since the SM Payment Center is just nearby, we decided to pay our Pag-IBIG monthly housing loan there.

My Beloved Wife is the one who queued and paid the Pag-IBIG housing loan. I was surprised when she told me that SM Payment Center charged us additional 5 pesos. I was furious and I felt cheated. MERALCO’s Bayad Center does not have additional fee for Pag-IBIG loans.

You may laugh at me because 5 pesos is just a small amount. But I still think that it was an injustice. How much money did SM collected for the many payors of Pag-IBIG loan?! I bet that it will reach millions for one year.

The experience taught me once again that I should never trust SM and its sister companies when it comes to money. I vow that I will never pay my Pag-IBIG housing loan or any other bill at any SM Payment Centers. SM and BDO always find ways to get people’s money.

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McDo Party Package 2018

Ronald and the gang know how to throw a party. They can set up balloons. They can play games. And of course they can provide yummy food for the kids. That’s why McDonalds offers birthday party package.

If you are one of the Mommies and Daddies who are interested in giving their children a birthday party in McDonalds, here is the  McDo Party Package that you will get:

1. McDo Party Display

The McDo party display have party backdrop and ambience banner that features Ronald McDonalds and the gang. There is also party balloons and party tray mats.

2. McDo Party Game Prizes

McDo Party will never be fun if there is no game. So, McDonalds will give these game prizes to those who participates in the fun: clapper, clacker, sticker sheet, bag tag, and memo pad.

3. McDo Party Cake

Birthday party will not be complete if there is no birthday cake. McDonalds offers birthday cakes in two sizes: 12 by 16 and 8 by 12. If you do not like their cake then I guess you can ask them if you can bring your own cake.

4. McDo Party Food Packages

McDonalds offer 4 food mixes for birthday parties. These are the food mixes:

Food Mix 1: cheeseburger, McSpaghetti, and regular drink that costs 155 Pesos per person

Food Mix 2: 1-piece Chicken McDo, McSpaghetti, and regular drink that costs 180 Pesos per person.

Food Mix 3: 1-piece Chicken McDo, rice, fries, regular drink, and a Happy Meal Toy that costs 180 Pesos per person.

Food Mix 4: McSpaghetti, Burger McDo, fries, regular drink, and a Happy Meal Toy for 195 Pesos per person.

5. McDo Party Freebies

For a minimum of 10 guests, you will get free 10 balloons, 10 party hats, 10 loot bags, 10 activity mats. You will also get a free party host and candle blowing. This means that you have to pay for extra balloons, party hats, loot bags, activity mats.

For 2,000 pesos, you can also get 1 gift for the birthday celebrant, 30 pieces of giveaways, and 30 game prizes. There will also be an appearance of Grimace, Hamburglar, or Birdie.

I believe that McDo Party package price is not that far from the Jollibee party package price for 2018. McDonalds is another birthday party venue that you can try.

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