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When you default on your payment, the bank will flag you as a delinquent card member. If you continue your non-payment, the calls will be more frequent until you reach a pre-determined number of missed payments.After which the bank will dismiss your case and turn your account over to a collection agency. They are a third-party business who buys the delinquent accounts.Furthermore, the bank cannot just freeze and take the money in your savings account to pay for those debts.They would need to have a court judgment against you to make it legal for them to do that.Moreover, he/she says that the answers provided are solely based from his/her knowledge and may differ from how other banks conduct their business.
Which means, you need not to go to any SSS Branch and wait in line or hurry to beat their 8am-5pm office schedule.When there is a reduction of the employee’s salary prior to his termination, e.g., the employee has been demoted resulting to a reduction of salary, such reduced salary rate, which is his ‘last salary’ shall be the basis of the computation.But, if the reduction of salary was made to circumvent the provision of the Labor Code, that is, to avoid payment of higher separation pay, the salary rate before the reduction shall be used in the computation of separation pay.This is because a fraction of at least 6-months is considered as 1 whole year.Now, what if the employee has served for less than 6 months, how much separation pay will he get? The important role of union organizations must be admitted: their object is the representation of the various categories of workers, their lawful collaboration in the economic advance of society, and the development of the sense of their responsibility for the realization of the common good.
A fraction of at least 6 months shall be considered as one whole year. An employee terminated based on installation of labor-saving devices or redundancy is entitled to at least one-month salary or to at least one-month salary for every year of service, whichever is higher.