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Guy Shares Experience after Losing Php26k to Someone Pretending to Be from the Bank

One guy lost Php26k to someone pretending to be from the bank – and he is sharing his experience to warn others not to make the same mistake, especially because he learned from the bank that he will not be refunded because he ‘authorized’ the transaction.

Phishing and Scamming

For so long, banks have sent warnings to customers not to click links that tell them input sensitive information such as birthdays, PINs, and other similar data. Joshua Renaldee Salcedo admitted that he had clicked on such an email from ‘BPI’ but that was in May 2019. He never thought that the action had done some harm and that the scammers had harvested his data and stored it for future use.

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

Amid the enhanced community quarantine, he received a call from someone pretending to be from BPI Pritil, a BPI branch in Tondo, Manila. He was told that he needed to update his information, including his address and contact number. Then, he was told that he needed to go to the bank to confirm those information after the ECQ period. No red flags there for Salcedo.

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

The ‘bank representative’ then scheduled him for the first week of May, telling him to recite the code the bank will send him to verify his schedule. Upon receiving the text message, he automatically gave the code to the ‘bank representative’ without really reading the message.

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook
guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

He would realize that if the ECQ is lifted he won’t be able to go to the bank during the first week of May, so the ‘bank representative’ rescheduled his appointment to ‘any day in May’. Again, he was asked for a code – and he recited that to the ‘bank representative’, again without checking the entire message.

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

About an hour later, he turned on his mobile data and was surprised to receive an email from BPI saying “fund transfer was successful”. It was only then that he realized that the ‘bank representative’ was a scammer and the code he had been sending was an OTP (one-time password)!

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

What’s worse, when he went to the bank, he was told that though they will be investigating the matter, they can’t refund him because under the bank’s disclaimer, the account owner is liable for transactions with authenticated OTP. It’s a code that shouldn’t be shared with anyone – and did that willingly, though under different circumstances, to the scammer…

guy lost Php26k to bank scammer
Photo credit: Joshua Renaldee Salcedo / Facebook

What’s an OTP?

An OTP is a one-time password usually used by banks as added security for users. This is valid for one session only and expires after a set time, usually within 5 minutes. The code is sent to the user’s email address or phone and is deemed as an authentic way to validate the session or transaction. So, any transaction completed with the correct OTP is considered as valid and authorized by the account holder.

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Twins Named Jollibee and McDonald Graduate from College, Go Viral

A pair of twins named Jollibee and McDonald recently went viral for graduating from college. A lot of netizens were simply amused that they would hold such names, particularly because the names are of two rival fast food outlets! LOL.

Unique Names

While ‘Jollibee’ and ‘McDonald’ are pretty common names in terms of restaurants and fast food outlets, these are not so common as names of people. Mark Lester Andrei Cruzet shares the story behind the twins’ unique names.

Mark Lester is a friend of the family who grew up under the care of his School Paper Adviser (SPA) from elementary, Evelyn Pangindian. He shared that he had been with the family for many years since they helped him a lot, financially and emotionally.

twins named Jollibee McDonald
Photo credit: Mark Lester Andrei Cruzet / Facebook

According to Mark Lester, Ma’am Evelyn’s husband was the one who picked the names for the twins.

Kasi si kuya mo (asawa ni Ma’am) ‘yung uniqueness of the name at art of remembering, once na nalaman (‘yung names ng kambal) anjan agad ung natutuwa sila at madali nilang matandaan name nila,” Mark Lester remembered Ma’am Evelyn’s explanation.

Needless to say, the names are unique! And just as their names bring smiles to kids’ faces each time parents would say they would go to Jollibee or McDonald’s, Mark Lester said that the twins are also such great people.

twins named Jollibee McDonald
Photo credit: Mark Lester Andrei Cruzet / Facebook

I am sharing not just the lovable names of this twin but also how lucky to have their family as my second family as well. Mga kapatid na turing ko sa kambal na ito at pangalawang ina sa SPA ko. Minsan, sa kanila na nila ako pinapatulog lalo na noong napalayas ako sa amin. Tinutulungan kapag may problema lalo na financially. I am grateful dahil alam kong bukod sa sarili kong pamilya, may iba pa akong kikilalaning pamilya sa ibang tahanan. I am blessed beyond measure for finding a family away from our home,” Mark Lester wrote.

Love ko ‘tong family na ito, dahil sa kanila, bida ang saya.

Jollibee Versus McDonald’s

There is no question that McDonald’s is the number fast food outlet in the entire world. But did you know that in the Philippines, it could never be number one? That distinction is held by homegrown Jollibee, a brand that is now expanding across the world. While Jollibee might not overtake McDonald’s in its popularity across the world, the brand takes pride in always being number one in the Philippines.

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Due to Unpaid Rent, Landlady Removes Roof of House Rented by Pregnant Woman

Due to unpaid rent, a heartless landlady removes the roof and even the door of the house rented by a pregnant woman! Kind neighbors had to help her out, especially because it was raining when this happened. Tsk. Tsk.

Unpaid Rent Due to Crisis

The COVID-19 crisis has affected a lot of people, with many losing their jobs and not being able to pay the rent or amortization for their homes. What is sad is that though the government specifically told landlords to provide a grace period for their renters, many still force them to pay up.

landlady removes roof
Photo credit: Czairra Alliyah Cheng / Facebook

There have already been a number of reports of families being forced out of their rented homes because they were unable to pay the rent. But others have a different way of doing it.

One heartless landlady could not forcibly evict her tenants because of the Bayanihan to Heal as One Act, officially designated as Republic Act No. 11469. However, she did something that is still akin to forcing them out: removing the roof and door of the rented house! Tsk. Tsk.

landlady removes roof
Photo credit: Czairra Alliyah Cheng / Facebook

In a video shared by concerned neighbor Czairra Alliyah Cheng, a family could be seen scrambling to take their things out of harm’s way as the rain poured down inside their house because the roof was gone.

It turned out that the roof was removed by a certain ‘Aling Tess’ who owns the rented house. According to the post by Cheng, the family was unable to pay the rent because the pregnant woman’s husband is stuck by the lockdown and is in Bulacan.

landlady removes roof
Photo credit: Czairra Alliyah Cheng / Facebook

The heartless landlady removed the roof and door, telling Cheng she will also remove her door if she keeps interfering. Cheng and the family already took the matter to the barangay.

Watch the videos here:

Posted by Czairra Alliyah Cheng on Thursday, May 21, 2020

Posted by Czairra Alliyah Cheng on Thursday, May 21, 2020

Rent Payment in Bayanihan to Heal as One Act

Tenants may enjoy extended deadline to pay rent under the ‘Bayanihan’ law. Under the law, the President is given power to “provide for a minimum of 30-day grace period on residential rents falling due within the period of the enhanced community quarantine, without incurring interests, penalties, fees, and other charges.”

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Restaurant, Rider Pranked by ‘Blogger’ Who Made Order with Fake Account

A restaurant and a rider got pranked by a ‘blogger’ who made an order with a fake account!

‘Blogger’ Makes Fake Order

These days, a lot of people have so much idle time in their hands that they end up thinking of various ways to entertain themselves. What’s sad is that there are those who end up doing things that make them laugh, but at the expense of others! Tsk. Tsk.

restaurant pranked by blogger
Photo credit: Chacha Special Binalot Sa Dahon / Facebook

The Facebook page of Chacha Special Binalot Sa Dahon, a restaurant in San Pedro, Laguna, shared the bad experience they had with a fake order they received from someone who claims to be a ‘blogger’.

A certain Reynan Gañete made an order from the restaurant, to be delivered at around 7PM to 8PM. The order was worth Php1,011 and they charged him only Php50 for the delivery fee. This person told them to bring change for Php1,500.

restaurant pranked by blogger
Photo credit: Chacha Special Binalot Sa Dahon / Facebook
restaurant pranked by blogger
Photo credit: Chacha Special Binalot Sa Dahon / Facebook
Photo credit: Chacha Special Binalot Sa Dahon / Facebook

Close to 7PM, the restaurant asked him for the landmark as the rider was already on the way to bring the food to the customer’s house. But the customer told them to cancel the order, saying that his cousins chose to just cook pancit canton instead of the food they ordered from the restaurant.

The restaurant told him the food was already cooked and was even being delivered to his house at the time he was chatting with them. But the guy told them to simply tell the rider that the order was canceled because they’ll be eating pancit canton instead.

Photo credit: Chacha Special Binalot Sa Dahon / Facebook
Photo credit: Chacha Special Binalot Sa Dahon / Facebook
restaurant pranked by blogger
Photo credit: Chacha Special Binalot Sa Dahon / Facebook

Even though the restaurant told him the food was ready and on the way the customer just laughed it off and told them he’s not paying because this is actually a prank! When the restaurant pointed out that they were just trying to make a living, the ‘blogger’ said they were also doing the same thing…

Catfishing for ‘Pranks’

Netizens were angry at the ‘blogger’ guy named Reynan Gañete and they shared his photos, but it turned out the guy’s face was simply used by the fake account!

While catfishing is popular as a means of finding online lovers, it is also being used to make ‘pranks’, such as the one that victimized the restaurant.

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