Bunye: Knowing your consumer rights

IN THE past few years, I have received numerous complaints from Filipino consumers regarding a myriad of issues — most of them concerning credit cards.
Without most of us knowing about it, there is a way to protect ourselves from frauds and “predators” in the business and trade industry.
According to the Department of Trade Industry (DTI), the key to better consumer protection is knowing the Consumer Act of the Philippines.
The Consumer Act of the Philippines, or Republic Act No. 7394, took effect on July 15, 1992. It promotes the State’s policy “to protect the interest of the consumer, promote his general welfare and to establish standards of conduct for business and industry.”
The Act aims to protect consumers against hazards to health and safety, and against deceptive, unfair and unconscionable sales acts and practices.
It also seeks to give information and education to facilitate sound choice and the proper exercise of consumer rights, and to provide adequate rights and means of redress.
Lastly, it aims to involve consumer representatives in the formulation of social and economic policies.
Consumer products or services are defined as “goods, service and credits, debts or obligations which are primarily for personal, family, household or agricultural purpose, which shall include, but not limited to food, drugs, cosmetics and devices.”
The Bangko Sentral ng Pilipinas (BSP) is among the government agencies that implement the Consumer Act. It concerns itself with consumer credit transactions extended by banks and other financial intermediaries.
Here is a list of the other government agencies implementing the Consumer Act and their areas of concern:
* Department of Trade and Industry: consumer product quality and safety; deceptive, unfair and unconscionable sales acts and practices; weights and measures (metrication); consumer products and service warranties; price tag; labeling and packaging; liability for products and services; service and repair shops; and advertising and sales promotion.
* Department of Agriculture: agricultural products (quality and safety, and labeling and packaging)
* Department of Education: consumer education and information
* Department of Health: food, drugs, cosmetics and devices and hazardous substances (quality and safety; labeling and packaging; advertising and sales promotion; and price tag)
* Securities and Exchange Commission: credit facilities extended to consumers by financing companies.
The DTI, in a primer, said the consumer should follow this process if he or she has a complaint before the abovementioned government agencies:
* Identify the problem. Identify the problem and what you believe would be a fair settlement. Do you want your money back (Refund)? Would you like the product repaired (Repair)? Will exchange do (Replace)?
* Gather documents. Gather documentation regarding your complaint. Sales receipts, repair orders, warranties, cancelled checks, or contract which will substantiate the complaint and help the company solve your problem.
* Go back to where you made the purchase. Contact the person who sold you the item or performed the service. Calmly and accurately explain the problem and what action you would like to be taken. If that person is not helpful, ask for the supervisor or manager and repeat your complaint. A large percentage of consumer problems are resolved at this level.
* Write a formal letter of complaint. If you are not satisfied with the company’s response, write a formal letter of complaint to the consumer protection agency concerned. State your name and address; the name and address of the establishment against whom you are complaining; the circumstances regarding the complaint including names, dates, places, etc. Also, enclose supporting documents such as official receipts, deed of sale and the like, and you should be prepared to make an appearance when called, especially during the mediation conference.
For BSP-related concerns, you may contact:
The Head
Financial Consumer Affairs Group
Supervision and Examination Sector, Bangko Sentral ng Pilipinas,
A. Mabini St., Malate, Manila 1004
E-mail: consumeraffairs@bsp.gov.ph; Tel. No. (02) 7087087
Note: You may email us at totingbunye2000@gmail.com.
http://www.sunstar.com.ph/manila/opinion/2012/08/19/bunye-knowing-your-consumer-rights-238246

Some of the good resorts in Pampanga offer safe outdoor venues for events such as team building and company outings. Function room for meetings and seminars is also available in this popular resort in Clark Philippines. Outdoor activities favored by event organizers for team building near Manila include swimming, boating, kayak, fishing, camping, cookout, bonfire and picnic. Clearwater is one of the hotels in Pampanga that offers good outdoor venues for events like team building and company outings. In fact, many event planners consider Clearwater Resort to be the best event venue near Manila and certainly the best hotel in Clark Philippines for outdoor functions and events as well as meetings and seminars also. Visitors to Clark and Angeles City Pampanga seldom pass up the opportunity to relax and unwind by the lake of this popular resort in Pampanga.

This resort hotel in Clark Philippines is to many, a fine example to leisure lifestyle of suburban city in America. Lake, beach, 13 hectares of picnic grounds covered with trees and green all put together to deliver a memorable getaway experience for foreign tourists visiting Angeles City Clark Philippines and residents of Manila driving up to Clark for a day trip or a weekend family outing.

Family with children can enjoy the picnic grounds and several large and small spots for swimming and water sports inside this resort in Pampanga. Parents can enjoy a day in leisure and relaxation in the shade provided by large Acacia trees throughout this resort. The ambience and beautiful view of the outdoor facilities of this beach resort in Clark Pampanga attracts visitors to go out of town from Manila for a getaway in the north.

Does anyone know how difficult it is to find a decent beach wedding venue in the Philippines? Sure, there are a lot of beautiful beaches but to find a beach where we can have a wedding ceremony in Philippines is next to impossible. Clark is home to some of the best golf courses in Pampanga. Although golf continues to be one of the reasons why visitors from Manila travel to Pampanga, residents of Angeles City, Subic and Bulacan travel to Clark not just to play golf in one of the best golf courses in Pampanga but also to relax and unwind in the best resort in Philippines.

Clearwater is a highly recommended and most frequently visited private resort in Clark, Pampanga, Philippines. This Clark hotel is a top rated place of leisure and a famous private resort outside Manila for corporate planning because of its exclusivity. Although the function rooms for planning and meetings are simple and basic, the surrounding gardens and ambience more than make up for what it lacks in lavish interior decoration.

Beach wedding venue is very popular in Manila, Subic, Pampanga Angeles City and
Clark Philippines. Young wedding couples prefer outdoor beach wedding followed up by garden styled outdoor wedding receptions in Philippines. Best beach wedding venue in Philippines is Clearwater Resort wedding venues near Manila, Angeles City, Clark Philippines. This is also one of the best resorts in Pampanga that offers good picnic spots near Manila.

Travel Agencies, Facilitators, Event Organizers and Wedding Planners in Manila laud Clearwater as the best resort in Clark Pampanga, citing its safe outdoor facilities and beautiful ambience of the lake, a nice white sand beach, plenty of large trees for shading in the picnic grounds, an ideal vacation spot for families with children. Family travelers pay attention to factors such as safety and security especially when choosing the best hotel in Pampanga for a holiday or vacation. There are plenty of luxurious hotels and deluxe resorts in Manila and other Asian cities but tourists and visitors from Manila travel north to Pampanga and Subic look for something different. Guests staying at the best hotel in Angeles City and Clark Pampanga expect a safe and secured resort to rest and relax without stress. This is the laidback lifestyle that Clearwater Resort and Country Club offers, namely peace and quiet times, an opportunity to take the stress out of city living, a time for family bonding and to enjoy the luxury that nature provides free of charge to all. Guests do not pack the itinerary with a lot of activities but instead make plenty of time to enjoy a day of rest and relaxation at the best resort in Pampanga.

Wedding couples from Manila look to the north for beautiful places in Pampanga to get married or take pictures for the nuptial photo albums. Wedding planners highly recommend Clearwater Resort as a beautiful hotel resort in Clark for prenuptial photo-shoot pictorial. Clearwater Resort is generally regarded as one of the best holiday spots near Manila.

For inquiries and bookings, Please click here to contact Clearwater Resort for inquiries and reservations now

Clearwater Resort and Country Club, Clark Pampanga
Creekside Road near Centennial Expo,
Clark Freeport, Pampanga Philippines 2023
(045) 889-5151 0917-520-4403 0922-870-5177
Joanne or Jeremy or Loydha

Getting to this lake and beach resort in Pampanga Angeles City Clark Philippines

After entering Clark Freeport from Dau and Angeles City, proceed straight along the main highway MA Roxas, passing the stand-along wine shop called Clark Wine Center on the right, continue to bear right making no turns at all, go past Mimosa Leisure Estate on the opposite side of the road, one will hit a major intersection. Go straight and the road becomes Creekside Road. YATS Clearwater Resort and Country Club is on the right just 200m down.

Family Bonding by the famous lake of Clark Pampanga

http://www.ClearwaterPhilippines.com

Manila Sales Office
3003C East Tower, Phil Stock Exchange Center,
Exchange Rd Ortigas Metro Manila, Philippines 1605
(632) 637-5019 0917-520-4393 Rea or Chay

Email: Inquiry@ClearwaterPhilippines.com

Please click here to contact Clearwater Resort to reserve a venue for your upcoming event now

Wedding couples looking for wedding reception venues and beach wedding venues can log on to this Philippines Wedding Venue web site for free information and assistance:

http://www.PhilippinesWeddingVenue.com

While in Clark, it might be a good idea to enjoy an evening of wine-and-dine in the fine dining Yats Restaurant and Wine Bar that features an award winning 2700-line wine list. It is located in Mimosa Leisure Estate of Clark Freeport Zone. For more information, visit http://www.YatsRestaurant.com

YATS Leisure Philippines is a developer and operator of clubs, resorts and high-class restaurants and wine shops in Clark Angeles Philippines http://www.YatsLeisure.com

While in Clark, one might as well add to the itinerary a visit to the famous Clark Wine Center, the largest wine shop in Philippines which offers over 2000 selections of fine vintage wine from all wine regions, vintages spanning over 50 years covering all price ranges.
http://www.ClarkWineCenter.com

Looking for famous tourists spots, places to visit and see, relax and unwind in Clark, Pampanga, Philippines? You may want to check out these sites also:

http://www.LondonPubClark.com

http://www.HotelClarkPhilippines.com

http://www.ClarkPhilippines.com

http://www.YatsWineCellars.com

For jobs and business investment opportunities in the Philippines please visit http://www.yilp.com

Hot Line for what’s happening in Clark: 045 889-5151 or 0927-940-2669 ask for Loydha

0915-542-6250 (Jeramie)