I’m sorry, in advance, but what follows is a rant.
Today, at exactly four o’clock in the afternoon, I received my nth call from Home Credit (HC). In a nutshell, HC is a credit group that allows people, from all walks of life, to purchase electronics, home appliances, and in my case mobile phones, and pay in installments, with minimal requirements.
But no, I did not avail of HC’s services; A co-worker of mine did, and without my knowledge and permission, he made me his guarantor. When did I find out? When I received my first call. Let’s call him DCW, for Delinquent Co-Worker.
What burns me are three things.
First and most importantly, DCW did not bother to ask for my permission, much less, let me know that he will use my name and contact details in such transaction. When someone (S1) asks you for someone else’s (S2) number, it is only proper to ask for S2’s permission first, right? What more if you’re going to make someone your guarantor. Show some respect especially when you only know of my number because of work, not because we’re chums, not because we chit-chat, and certainly not so you can use my contact number any way you want.
But the damage has been done though, what matters to me now is the next step. A sincere apology would be nice, and a little bit more than, “Wag niyo na lang po pansinin pag tumawag ulit, Ma’am.” How can I do that when I keep getting calls because you are a delinquent debtor, and you conveniently changed your number.
Second, typical of collectors is their attitude. They will not listen to your explanations; they will not care if you were just innocently dragged into this mess. They will rudely talk to you, and persistently get a hold of you at any time convenient to them. Rudely. Typical.
And third, just a while ago after receiving the call from HC, I had a chance to talk with DCW. I was upset, but I was calm. But for some reason, I only ended up feeling much worse after the talk. I felt guilty when I know I shouldn’t have because I had nothing to be guilty about. I hate this.
To be honest, I find no shame in loaning or borrowing money. I don’t even keep an opinion on how and what someone chooses to spend money on. But I do take offense in being thrust into a mess of a commitment someone got into, and cannot and won’t own up to his responsibilities.
Come on. Grow up. Man up.