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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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Fake Delivery Rider Tries to Scam Frequent Shopee Buyer

A scammer tried to dupe a frequent Shopee buyer for Php3,499 but he left emptyhanded after the guy noticed that the package clearly looks so fake!

Fake Delivery Rider Tries to Scam Shopee Buyer

These days, it is so easy to buy something you need and have it delivered at home. You can shop for almost anything you want even without leaving the comforts of your home – and you don’t even have to deposit the payment first, for most cases.

Photo credit: Jay Jazon / Facebook

But the system of “cash on delivery” (COD) on many online platforms has given scammers a way to earn some quick, dishonest cash. These scammers prey on people who often make orders on these online shops and might not notice that they are paying for an order they did not make.

Netizen Jay Jazo shared the experience he had with what appears to be newbie scammers who arrived at his house carrying a package with his name written using a pentel pen. The address was incomplete, just “1200 Camba” and the amount was written out as “3499 php”.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

Jay has some pending orders that he’s waiting for, yet he also knows that he doesn’t have an order worth Php3,499. Moreover, as a frequent Shopee buyer, he knows that the package doesn’t look like something you’d get from an online store. There’s no barcode or waybill on the package. Only the supposed buyer’s name was there; no information about the seller or the order number.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

A bit scared, Jay quickly closed the door to inspect the item before telling the fake delivery rider that he doesn’t have an order. After the guy left, they followed him and saw that he was just walking! There’s a rider who fetched him several meters away from the house, but the two appeared to have realized that the fake rider was being followed.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

Jay shared the experience as warning to others so they won’t fall for this kind of modus operandi.

Fake Package Delivery Scam

Don’t be fooled by the fake package delivery scam. Here’s what you can do:

  • Always track your packages from online shops.
  • Don’t give out personal information to callers, even if they sound like a real delivery rider.
  • Check the packaging for clues. Real orders have a proper waybill, with information like your complete name, address, and phone number.
  • Tell family members or other housemates to never pay for orders delivered when you’re not around, unless you tell them beforehand or if they could confirm it with your first.
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Concerned Citizens Break Car’s Glass to Save Two Kids Left by Parents

Two kids were rescued from a hot car after concerned citizens broke the glass to save their lives. The two young children were left by their parents inside the car which was turned off and locked.

Kids Left in Hot Car by Parents

There are so many people who are not aware of the dangers of leaving children or pets inside a locked car with the air conditioning turned off and the windows closed. Not everyone is aware how hot it can quickly become inside that car, even if the weather isn’t too hot.

So, just imagine how hot it could become and how much oxygen will be left inside the vehicle on a very hot day!

Photo credit: Philippines CCTV & DASH CAM Spotted

In a video shared by Philippines CCTV & DASH CAM Spotted, several concerned citizens could be seen surrounding a Suzuki Ertiga that’s parked near business establishments at a still undisclosed location. It turned out that some passersby noticed the small kids inside the car and were concerned over their condition inside the locked vehicle.

The concerned citizens could be heard speaking in Visayan, telling each other that the best course of action is to break the car’s glass because doing it without damage to the vehicle was taking them a very long time. The kids inside could be seen looking weak and sweaty.

Photo credit: Philippines CCTV & DASH CAM Spotted

Acting as fast as they could to save the children, they broke the glass window at the driver’s seat. With the window broken, they rushed to remove the car seat of the baby and moved it inside an air-conditioned establishment near where the car was parked.

Another person picked up the elder sister, still a toddler, and also brought her to the establishment where they were both given water.

Photo credit: Philippines CCTV & DASH CAM Spotted

The video did not show what happened next or how the parents reacted once they learned what these concerned citizens happened. But everyone is furious at the irresponsible parents and thankful that the kids were safe.

What Happens to Kids in a Hot Car?

Kids’ bodies actually heat up more quickly, about 5x, than adult’s bodies. When left in a hot car, kids’ major organs could begin to shutdown at 40 C. You could easily lose the child as temperatures rise to 41.5 C!

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Top Advantages of Using Solar Power at Home

Just like other sources of energy, solar power has its own sets of advantages and disadvantages. But even if the costs are usually high in putting it up, there is a great return on investment and you could actually save a lot of money in the long run.

Here are some of the top advantages of using solar power at home.

Lower or Eliminate Your Electricity Bills

Depending on what system you are planning to set up on your roof and the actual usage, you could either lower or eliminate your electricity bills. It is possible that you won’t generate 100% of the electricity you need but you’ll certainly see a huge slash from your monthly bills.

Power Even on Brownouts

Not all solar power systems work this way because there are those that are still connected/tied to the power company and doesn’t store the electricity produced during the day. But if you truly want to save money and have power even on brownouts, get the one with batteries. It costs higher but will be more useful in the long run.

Harness the Power of the Sun, Save the Environment

According to SolarGain, installing a 1kW solar power system helps reduce your carbon footprint and prevents the release of 1.5 tonnes of carbon a year. This sustainable system lets you harness the power of the sun and help save the environment.

Great Investment

Most suppliers offer a warranty for 20 to 25 years on your solar power system. This makes it a great investment for your home. Moreover, having solar power adds value to your home.

In some places, the government offers a subsidy or tax breaks or even cashback options for those who set up solar power at home. Take advantage of such offers if available in your area.

Incentives may actually go away and it may not actually pay to wait for too long,” says Vikram Aggarwal, CEO of EnergySage.

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