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  1. #6188
    Quote Originally Posted by PilotPaul  [View Original Post]
    It is easily justified by the filipino mind. God has sent this rich foreigner to me for a purpose. God must have wanted me (and my family) to enjoy the fruits from my prayers which have finally been answered. This new BF is God's gift for all of my life suffering.
    Many Chicks I've never met and chatting now are asking for money to be sent to them. I ask "did you get your government money" of course they have no reason to be honest so Answer is always "NO, too much cruption here". I don't believe that none got anything, maybe some, but not all. The girls are hoping the gullible, God fearing, porenor will pity me and bless me by dropping some pesos in my collection plate. Not going to happen from me except to a couple of known specials. But many guys must be sending based on hearing rumor that the money transfer offices have lines of girls outside the door waiting to receive their blessings.

  2. #6187
    Quote Originally Posted by PilotPaul  [View Original Post]
    It is easily justified by the filipino mind. God has sent this rich foreigner to me for a purpose. God must have wanted me (and my family) to enjoy the fruits from my prayers which have finally been answered. This new BF is God's gift for all of my life suffering.
    There's also the view that:

    1. Money grows on trees in Rich White Man Land.

    2. All foreigners are rich and stupid.

    3. Ripping off a foreigner is a victimless crime because of Points 1 and 2 above.

    4. A foreigner cannot and will not complain because it's not his country.

    In many Asian countries, the oldest person, the richest person or the one with the highest social rank pays. A white monger in the Philippines meets all three criteria (especially the first one).

  3. #6186
    Quote Originally Posted by SoapySmith  [View Original Post]
    CM has an answer: all Filipinas and their extended families are liars and leeches. But clearly he has been hurt by a Filipina he cared about--or perhaps he's just committed to the role of ISG troll for a country he has never visited.

    I suspect the real answer is more nuanced than any of these answers.
    There are lots of articles on the web on micro financing for LBFMs. Your article was very interesting, until you had to engage in unnecessary mudslinging right at the end! Hahaha. Professorial types like yourself and GE should elevate themselves. Be like Michelle Obama. "When they go low, we go high". Hahaha. Leave the barbs to the working class plebs like me.

    Poor CM is just minding his own business in lockdown in Detroit. Stuck in his mom's basement, with nothing to do all day except toast marshmallows (the confectionary, not the wiener), watching FuckySucky.com and learning about the Philippines on the internet.

  4. #6185
    Quote Originally Posted by PilotPaul  [View Original Post]
    In my experience because of the distrust in the legal system ie there is no small claims dispute resolution process. So their reputation with relative and friends is what matters.
    Quote Originally Posted by RedKilt  [View Original Post]
    There is. I have successfully challenged the imposition of the credit card surcharge on a card used in Boracay. The owner repaid me the surcharge plus he was forced to pay a fine levied by the Department of Trade & Industry. SNIP All it took was the completion of an on-line form and submission to DTI.
    I'm with RK. There is literally a Claims Court system in every city I've needed one. For a dispute with a local, you contact the Brgy office (first step usually), then the Claims Court after, if needed. Admittedly, the procedures used by both can be boring and time-consuming. I was told a few weeks ago at a Brgy office that their procedures have changed in the last few months, the Brgy are now having only a short meeting with persons who have a dispute about money. The Brgy then offers an action plan for the aggrieved person to get his money back. Both parties must sign the plan; if either party balks at the plan, it is referred to the city's Claims Court.

    There is often a feeling among foreigners (in every country) that the 'system' is rigged against you. I have heard multiple times (here and elsewhere) that if you complain to the police (or other) in Phils, your complaint will fall on deaf ears. I strongly disagree. Have never had a police official not care or shoo me away, have never had Brgy officials not investigate a dispute and listen to both sides. In addition, have never had a Brgy or PNP complaint not work in my favor. Please, you will need some kind of documentation to back up your claim (its the first thing they ask for).

    Glad RK found the correct Department to complain to.

  5. #6184
    Quote Originally Posted by PilotPaul  [View Original Post]
    there is no small claims dispute resolution process.
    There is.

    I have successfully challenged the imposition of the credit card surcharge on a card used in Boracay.

    The owner repaid me the surcharge plus he was forced to pay a fine levied by the Department of Trade & Industry.

    I also reported a coffee shop that displayed prices on the board then levied me the tax as an additional charge.

    Same thing. DTI asked the coffee shop to respond to my claim as the price displayed in menus includes the tax.

    They admitted fault and changed their charging mode.

    These are trivial examples but since I live in PH I figure I should call out these irregularities when I can.

    All it took was the completion of an on-line form and submission to DTI.

  6. #6183
    Quote Originally Posted by MrEnternational  [View Original Post]
    Dude, these were $10,000 houses, so of course they did not wire $50,000.
    5 to 1 seems an acceptable stupidity mark up.

    I once fucked a tatted up girl in AC. After I commented that one looked good and asked how much it cost her, she openly admitted that her BF paid 10 k for it even though it only cost her 2 k.

    Plenty of Poriners would regard 50 k as cheap. Look at the number of justifications here comparing Pina Pussy to what it would cost 'back home'. 😁.

    Enjoy. G.

  7. #6182
    Quote Originally Posted by KabulGuy  [View Original Post]
    Why do we think we are so much smarter than them, we come here with wallets full of cash and give it away for nothing. Sometimes we stay home with wallets full of cash and send it by western Union or other remittance service. Who is the dumb one?
    It is easily justified by the filipino mind. God has sent this rich foreigner to me for a purpose. God must have wanted me (and my family) to enjoy the fruits from my prayers which have finally been answered. This new BF is God's gift for all of my life suffering.

  8. #6181
    Quote Originally Posted by SoapySmith  [View Original Post]
    Does the pressure of community knowledge of the terms of the loan make the difference? Is there a community or cultural acceptance of the 5/6 loan structure? Or maybe it's the assumption that the foreigner always pays.
    In my experience because of the distrust in the legal system ie there is no small claims dispute resolution process. So their reputation with relative and friends is what matters.

    It's the same when hiring employees. It's fast to learn that the qualification documents mean nothing and you rely on non-family references.

    PP.

  9. #6180
    Quote Originally Posted by SoapySmith  [View Original Post]
    This has been my experience as well. Locally negotiated 5/6 loans, on the other hand, seem to be taken more seriously. (Although my assumption could be mistaken.).....
    When we go out with my regular philipino friends, former coworkers, we usually either roughly split the tab, or one of us, sometimes me and sometimes them, pay as our shout. I was the boss so I usually pay for more than my fair share but even with the guys at home, if I was their boss I buy more than my share, just my way of saying thanks for their help and support. (and sometimes I used my expense account too LOL).

    Generally it works out about the same going out for beers with the guys at home. No issues with the foreigner paying just regular guys out having some beers and wings and telling lies about past jobs we have worked on.

    The 5/6 loans get repaid because that is the expectation, phones are held as collateral, no pay no get phone back and no get another loan. The no more loans may also apply to family members and I suppose if the collateral does not fully cover the loan then the locals may just send a 'collection agency' to get the money or other goods in payment or at least to set an example.

    Foreigners on the other hand are just seen as stupid and gullible. We are fair play for their scams, the locals appear to have no shame in scamming a dumb foreigner out of his money. We really have no recourse, can we go to the police saying I sent this girl money to come and fuck me and she didn't show up? Do we have the necessary connections to find them? All we really know about them is their names which can be common names, their phone numbers which can be replaced for 40 p or where they SAY they live.

    We just have to be smart, no sending money to a girl you have not met yet, unless you are knowingly taking a chance and are prepared to lose it, no shopping before you get fucked, etc.

    I will send load, generally 50 p to start so we can chat. Some of these girls are so desperate for money that the 50 p load to chat is beyond them. To go much beyond this requires good chats, cam shows.

    In normal times I will buy airline tickets sometimes, why pay to bring a girl half way across the country when there are just as good ones next door? I will send a Grab to pick her up, I just about never send cash to a girl before the first meet and we develop some relationship.

    Since I got really strict on my criteria on sending money I actually have had some show up. Prior to that when I was stupid and sent 1000 or 2000 when asked I always lost. If I have talked a while, established a long distance relationship I sometimes take a chance but still do no better than about 50/50. I see the loss as part of the cost of doing business, one of the the best fuck and suck I had was on a girl I took a chance on and helped her before we met.

    Why do we think we are so much smarter than them, we come here with wallets full of cash and give it away for nothing. Sometimes we stay home with wallets full of cash and send it by western Union or other remittance service. Who is the dumb one?

  10. #6179
    Quote Originally Posted by PilotPaul  [View Original Post]
    I have come to learn that when a filfipina says 'borrow' it simply is a polite way of saying give. We western folk assume that borrow is a two way deal. For a filipina it is a one way deal.
    This has been my experience as well. Locally negotiated 5/6 loans, on the other hand, seem to be taken more seriously. (Although my assumption could be mistaken.) A number of years ago I took a girl out of LA Cafe to my room at Rothman. I think we had negotiated 1500 php for long time. After the first deed, she told me she needed to go to Cubao to retrieve a cellphone that a neighbor held as collateral in a 5/6 loan. (repay at ratio of 6 to 5 for the amount borrowed, apparently under a deadline, which is why she needed to go in the middle of the night.) She asked me for 1000 as an advance, promising that she would return. Reasoning that I would have paid 1000 for a short-time one time bonk, I gave her the 1000 and assumed she wouldn't return. She left a little after midnight.

    About 3 am I got a call from the doorman that Lisa was at his desk and requested permission to go up to my room. A few minutes later she crawled back into bed and screwed me again in the morning. She had traveled by jeepney from Malate to Cubao during the middle of the night. Obviously the neighbor's possession of the phone leveraged the deadline repayment, and the remaining 500 from me leveraged her return. But I also know of numerous 5/6 loans in communities that are negotiated without collateral and usually get repaid. So why are these local 5/6 deals understood as loans, whereas borrowing from the Western boyfriend is understood as a gift?

    Does the pressure of community knowledge of the terms of the loan make the difference? Is there a community or cultural acceptance of the 5/6 loan structure? Or maybe it's the assumption that the foreigner always pays. WC told an interesting story a couple years ago in which a Cebu girlfriend invited him to meet with friends at a restaurant, and he ended up with the tab because an assertive Filipina insisted that the foreigner always pays. But I know that does not always hold. I have been out with well-to-do Filipinos who insisted on paying for me and others. CM has an answer: all Filipinas and their extended families are liars and leeches. But clearly he has been hurt by a Filipina he cared about--or perhaps he's just committed to the role of ISG troll for a country he has never visited.

    I suspect the real answer is more nuanced than any of these answers.

  11. #6178
    Quote Originally Posted by DCups  [View Original Post]
    Yes, I once loaned a Filipina $100 for school because she pleaded, begged and promised to pay it back. After about a year and numerous reminders she paid me back $80 complaining the transfer fee and exchange rate. Never again. Sad thing is I never even got any pussy from her. She had a nice rack, too. Cheers.
    Haha, what a surprise that you fell for a nice rack. We all do.

    I have come to learn that when a filfipina says 'borrow' it simply is a polite way of saying give. We western folk assume that borrow is a two way deal. For a filipina it is a one way deal.

    I did have one girl in Manila who was lovely, smart, studying etc etc. She needed P500,000 desperately in order to complete a family home. The land and house so far had been paid for by her ex-BF now back in Korea. She offered that I would have security on the house, she would sign a contract etc etc.

    The part of the deal that she could never understand was that a) as a first year grad it would be many years before she had surplus income to repay a debt and b) I had zero chance of enforcing any of the security.

    PP.

  12. #6177
    Quote Originally Posted by Goferring  [View Original Post]
    The debt is never fully paid. Any LBFM smart enough to keep the $50 k (plus any progress payments made over the previous years) is certainly smart enough to keep Jonny on the hook for future income as and when he tires of white chicks and returns for a revisit.

    Enjoy. G.
    Yes, I once loaned a Filipina $100 for school because she pleaded, begged and promised to pay it back. After about a year and numerous reminders she paid me back $80 complaining the transfer fee and exchange rate. Never again. Sad thing is I never even got any pussy from her. She had a nice rack, too. Cheers.

  13. #6176
    Quote Originally Posted by MrEnternational  [View Original Post]
    Dude, these were $10,000 houses, so of course they did not wire $50,000.
    They did not wire $10,000 either. Most LBFMs who socialise with mongers have never set foot in a bank before. The only financial institution they have dealt with is the local Western Union shop to pick up their donations from horny mongers in return for a cam show.

  14. #6175
    Quote Originally Posted by MrEnternational  [View Original Post]
    Dude, these were $10,000 houses, so of course they did not wire $50,000.
    10 k USD is 500,000 p so lets say they got fucked 5 times a week for 2 years that is 500 fuckings or 1000 per.

    Good rate, especially considering that he lived rent free for 2 years.

    Hell if she was a good cook and good at shopping the guy could have given her the house and still lived cheaper than otherwise might have been the case and essentially fucked for free.

    I know that he got the money back and I have no idea how long they were together or how often they fucked or what else was involved financially but my point is that you have to consider everything in settling with the girl.

  15. #6174
    Quote Originally Posted by EngineDriver  [View Original Post]
    Did you believe what those two LBFMs told you? Does anyone ever believe what a Filipina tells them about money? Picture the situation. An LBFM goes into a bank and wires over $50,000 to her ex-boyfriend who's gone permanently back to the US. I'm sure her family and good-for-nothing relatives would have just let her give up her windfall like that!
    Dude, these were $10,000 houses, so of course they did not wire $50,000.

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