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Mother's Day

And we were not ever forget the mothers of the children of ABC Childcare, mothers of the dead women of Juarez, missing persons, the raised, of which appeared in a pit underground, each of the mothers somewhere in the country today have nothing to celebrate. All of them hurt us and we can not silence them.

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Calls opinion to settle their credit card

I'm glad I can write a more personal way as I have been reading your blog for about a year. Until recently entered the system no longer allowed me to participate in the blog.

My situation is as follows:

1. For several years I was a naive dupes who got all the TC that were offered by life. I ended up with a classic and a BSmart Banamex, one of Costco, a Unik and other Light of Santander and as if that were not enough other business (to whom GAD have not had any problem.)

2. To date I have already settled the two of Santander. I only have three in Banamex. I have a settlement offer from Costco for 3,100.00 but so far I have only 2000.

3. Of particular concern are the Classic and BSmart. Interests have taken my account of a state which was nearly total pay every month to liquidate an impossible situation for me. Today I received a visit out of court (so says the notification) in which I offered to resolve my situation with a payment of 12.500 and a 15.500. Obviously I have no such amounts and I am concerned. I've tried to be joining at least 500 monthly to pay down my cards (so I got rid of the others.)

hope you can advise me on the bank account I have only half of my salary this month. My income and expenses are tables. Where remove 30.000 supposed to settle in these days .

When you do not have the resources to pay, the latter is troubled. As you say, has made great efforts to get out of debt, which is Amir, but this situation can you say no, and the amount you mention is not so readily available. Maybe your urgency is due to visit "extrajudicial" you had. There is cause for concern. Legally has no validity whatsoever, as extrajudicial means precisely "outlaw." Plain words, is a Sunday best little word that is used to scare the debtor. If you wait a little longer, rest assured that this amount will be reduced and may be more accessible for you to pay. If that is your purpose do, but saves more money to be able to do so. My personal opinion is always doing any deal with an office and go directly to the bank, as these descuentitos or "fair pay" does not exist and if they feed the corruption of the offices.

Do not worry, wait a timely fashion and maybe your situation will allow you time to settle. If your fear is to do something by legal means, forget it, nothing happens. It would be very costly for the bank sue for those amounts, end up losing and that's why they send you to charge "out of court."

hope to resolve your concerns.

To read more:

1. When there is no fair pay (part)
2. Secorse does not recognize your payment

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march for peace is for life,

Photo: La Jornada

Viewing the route of the march for peace, the poet covocada Javier Sicilia, remember the year 2006, the hope for change, the desire to live in a better country. Were the presidential elections. It was said that Andres Manuel Lopez Obrador led the polls. I do not suffer of "encuestitis" hair never because I believe in the power of manipulation they have. I do believe is what I want. And I wanted, and I want a liveable Mexico hija.Pensaba happy for me and I still think that the cheers of the 2000 change had not borne fruit. That neoliberalism had given the mother to Mexico, which had sunk into poverty and more politicians did not want to continue in that vein. Firm to my beliefs and my background from left, wanted and had to exercise my vote and it was not for Mr. Calderón.
lived in the Port of Veracruz and had not changed my voter registration card. I played, will therefore be in boxes of "outsiders." I arrived early with my little girl, in her arms at an early hour, thinking it would come soon. Not so. The queue was huge. It was hot but it was cloudy. I thought it would rain soon but I had the slightest hope of being able to vote before that happened. It did not happen, water surprised us before, but I saw how my little plug. A lady helped me. "Put yourself to the mall so that your child does not get wet, I will keep his place." The wait lasted three hours. Entered and left the mall to wait my turn and exercise my right to vote. I got it and stayed calm. I knew I had made the right choice, I knew he thought as many as a million, that the road was no continuity.
After the disappointment of the following days and the swearing in of Mr. Calderón, my desire to improve it looked frustrated. I felt that my decision was not taken into account. No, I did not choose to Calderon as president. And putting aside my political antipathies could see, over six years, as my world, and many, collapsed to social inequality, to a dehumanized political class that sees only their welfare.
thought, then, to live in the province would be a good choice for my daughter, that the City was being uninhabitable by theft and violence. How far was to assume that this violence, which I feared extend to every corner of Mexico without anyone to stop. While in Veracruz I got to see the beginning of a social descomposción not believe ever see. I had to learn that just a few steps from my old house had kidnapped people, the division where he lived was full of safe houses. I heard about a shooting in the middle of an attack on a bus where two women were raped in broad daylight. I began to invade the horror. At the same time listening to lazy people say "if the kill is because something must." The criminalization of the dead, those who can not defend, is our daily bread. I did not know with certainty when the country blood bathed in its entirety. They said it had to end the violence no matter how many innocents die. Fear came over me to see my daughter grow. And if you happen to it? I thought again and again. At the same time that my world collapsed with debts in credit cards, my country was collapsing. I dreamed of escape, where? without money and a little beside me. My dream of escape seemed tainted by hearing the news, knowing of the dead, so far distant for me. But one day it happens that is closest to you. On hearing the news of a close friend who moved to Monterrey to protect their children and the youngest died in a crossfire, react with pain and helplessness. He can add up the dead, in the north of the border, downtown, everywhere. Names, faces, fragmented families. Pain running streams. You realize that you must react, demand, raising his voice. Understand that silence is a murderer and an accomplice to the same bullets. My cry, my impotence is to many. Today they are in the streets marching. The summons is not one voice, they gather for their own heart, by his own beat, by his desire, mine, all of them to stop arms. March for the dead child, the mother dead, and burned children in a nursery due to criminal negligence. Marchan in silence with pain, with tears, but also with hope. Many will say to Mr. Calderón as I do: Do \u200b\u200bnot choose so I do not claim it, do not ask me support, not wash your hands, do not blame me. Many more just cry for those who left with a stray bullet in a crossfire, without knowing why, without knowing it was not his time. Today
Mexico says he is fed up to the mother. And what is with those who abuse their power to blame others, to ensure your strategy is right. It is obviously the criminals. But they remain unpunished, they will kill us if we let them continue killing. Join the marching is our moral duty. Join with our presence, our voice, our letters, as possible but we unite.
Mexico is a calamity, says Elena Poniatowska, but calamity is not realizing, not react, remain passive. Those who do, they themselves are complicit in the crime, they do betray their country.
My vote is for a Mexico in peace. Is yours, what is?

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Itinerary Mexico National March on May 8 (No more blood, we're back to the dam) and deputies Condusef

Thursday May 5

At 7 am, at the Dove of Peace, Cuernavaca, meet quotas: 1 .- victims relatives of victims, 2 .- Network for Peace and Justice, 3 .- contingent support citizens and organizations. And while Javier Sicilia gives a press conference will be organized contingents mentioned. He then will go. Iti

At 12:00, at the junction with the road to Cuautla, the rest up and join other contingents latter.

At 2 Coajomulco evening will receive the marchers, there, at 15:00 pm will be food, at 17:00 there will be another press conference with the teacher Sicily at 20:00 hours will be held a cultural program and Fandango, and have dinner at 9 pm.

Friday May 6

At 7 in the morning will give the former poet, Javier Sicilia, another press conference with spokesmen while giving at the same time, breakfast; an hour later, at 8:00 pm Coajomulco will progress.

At 11 am rest dealers.

At 12:00 pm there will be a caravan to Topilejo; there, at 3 pm, will be the food. At 20:00 am in the same place fandango will be cultural program, and at 9 the night for dinner.

Saturday May 7

At 7 am Javier Sicilia give another press conference with spokesmen while at the same time, have breakfast, an hour later, at 8:00 pm Topilejo will progress.

At 11 am will receive the neighbors of San Pedro Martir and other colonies and towns to the marchers. There it will join new continents and have lunch.

And progress will continue its path.

At 16:00 hours will progress to the head, in CU. An hour later, at 5, there will be a reception in the Islands. At 6 pm will be held a meeting with university organizations, at 20:00 hours in September will have dinner and cultural programs and fandango.

Sunday May 8

At 7 am press conference will be new to Sicily while making breakfast, and 8:00 am out walking on Insurgentes - University Avenue - Axis 10 - North Division - to Churubusco (Olympic Gym).

At 11 am there will be a break-snack. New quotas will also be incorporated after leading the march. At 12:00 pm Central Axis will continue marching on and on to SCT (formerly SCOP) in Area 4.

At 13:00 hours to rest again. Be incorporated after the trained contingent. An hour later, at 2, the Central Axis will continue for up to the Palace of Fine Arts.

At 4 pm rest the march of Fine Arts, will be incorporated, in turn, new troop, after trained. And at four thirty in the afternoon, May 5, is lead the march to the Zocalo. There, at 17:00 hours there will be a meeting with relatives of victims and victims will read the document for the March for Peace and Maestro Javier Sicilia give a few words.

If you're up to the mother, participate and spread this message. Help raise awareness


Source: news

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the ALDF provide free advice to fine


Alavez Ruiz lawmaker expressed concern at the alarming flow of credit cards in the country, according to the Bank of Mexico more than 22 million plastics with a consequent increase nonperforming loans or excessive charges in interest. (Source: Critical Point )

In the 66 modules of Care, Facing Citizen Complaints and the ALDF, qualified staff and specialists from the National Commission for the Protection and Defense of Financial Service Users (Condusef) advise and explain to the capital's having problems with banks or finance to clarify whether the charges for delinquency, default or otherwise are valued by brokers.

Secretary of the Commission of Government of the ALDF, Deputy Aleida Alavez Ruiz, announced the signing of the agreement ALDF / Condusef it claims to defend the interests of users of financial services, whatever their social status. The agreement allowed

Modules personnel will train with the experts and focus to better service to applicants when their interests have been affected by the bank or financed by charging excessive interest and illegal status when applying for a credit, financing

Congresswoman Alavez Ruiz expressed concern at the alarming flow of credit cards in the country, according to the Bank of Mexico more than 22 million plastic with a consequent increase in nonperforming loans at interest or excessive charges, by what the Convention ALDF / Condusef is to clarify and raise awareness among the capital's for intelligent handling of plastic money or borrow more for financing with any intermediary bank.

Modules The advice is free obviously concerned, as a social service for the 66 Assembly members to their constituents.

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The Condusef banks impose

If you met in your credit card or other bank product you are paying for insurance and you do not know what it is, or is it to hire a financial service they say that it is obligatory you pay insurance, you can complain to the Condusef and fined the bank dependence. The procedure is simple, as said Luis Pazos, because you can do so through their website. The procedure is simple, let's see how fast you solve.

The Condusef email address is:

http://www.condusef.gob.mx/

"What worries us is that some banks provided complete certain goals, not caring processes, then many users will enlist a card or an account they want to get an insurance force, said Luis Pazos (Source: Economist ) Fine

Condusef insurance to banks imposing their customers

Starting this month, the National Commission for the Protection and Defense of Financial Service Users (Condusef ) fines apply to banks that impose insurance to their customers and do not provide information on costs and product type in question, which will range from 250,000 to over 1 million pesos.

Luis Pazos, head of the Condusef, said there is an increase in comments and complaints about bank insurance offered through call centers or branches.
"What worries us is that some banks, provided complete certain goals, processes are not careful, then many users will enlist a card or an account they want to get an insurance force," said .
During his participation in the XXI National Convention of Insurers, said: "The banks entice users and that goes against sound banking practices, as of this month we will start fining all banks, insurance dumbbell phone they are inducing people and then charge you hefty fees for canceling insurance, "he said. The requested Condusef insurers and banks to incorporate new mechanisms of attention, since they represent savings for companies and for the Commission, and time for the user. New

management mechanisms Pazos emphasized the incorporation of electronic management which resulted in an increase of 23 to 50% the resolution of disputes in favor of the user and added that new practices such as telephone conciliation, which is in phase test with GNP, Seguros Monterrey, Mapfre Tepeyac and Interactions.

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Clausura 2011 - Valencia Campus in

Student Union defeated 4-3, and became a finalist for the Clausura 2011, in an intense encounter, managed to win over its rival.

Led by Guillermo Babick, high-performance green, Student was found the road to success. The first stage was dominated by locals, with good goal situations, having reached the opening marker Rosellot through, passing through a very good time, receiving assistance from Babick Minusio won the back and ended up defining the second pole Soria.

Throughout the first stage at Union felt uncomfortable, unable to pick up the pace of the game with a lot of inaccuracy and somewhat slow,

The second stage was different, because the "Pepa" Saad gave Union the share of goal was missing, showing another way that illusions to the "blue" Rawson, with the entrance ramp and rotating Vargas and Masochi Goransky.

Finally, the imbalance came from the best player of the night, Guillermo Babick, in a raid that staff faced heads-Soria, and a long loop down, managed to give light to the premises.

In the other semi, Valenciano left on the road to Olympia, the golden goal defeat by 3-2. After having finished regulation time tied 2-2, Emiliano Romero reached the gap through the implementation of a direct lack of accumulation, which gave the final pass to the "Shed."

The final series begins next Wednesday 4 May.

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Secorse insurance payment does not recognize

The testimony we will read below, it sends a person who "came a settlement "with a collection firm, made the payments and they were never recognized. I never get tired of inviting my dear readers to avoid negotiating with little office, much less pay something to them, ie, make deposits to a that is in the name of an office, for júrenlo, they'll never see that money and nobody will take the fight.

When I stopped paying HSBC started calling me threatening to seize I came letters saying that if not paid would be charged three times the debt I had no money, one will get scared and you see how to pay. I was offered an agreement by letter and call them to accept it. I had 17,000 and the officer or person who answered, and Javier Méndez name, told me that the offer I was sent (which will only pay 8,000 in three payments) was over and he had to pay full because the matter and was in court, scared me more because I had that amount. After a few days I called and told me he had gotten another offer for me and that was better than the previous one, had to pay only 6 000 in payment of 2 000, I was thrilled and said yes, that's when I said that would a letter which said it would make those payments and the account number that had to be deposited. When I brought it wrote down the account numbers where they had to pay and was in a branch of HSBC, but with a key Secorse name, I did not see it wrong because he told me that this was the agreement that had the office with the bank. He also told me that when I'd finished paying to give a termination letter, which was to be signed by the bank. It was hard work pay, because I was broke, but my family helped me and completed the three payments. When I told him I was the last and I showed him the receipts, he said that in 24 hours was going to my letter of termination. Three months ago that I ask and I do not give. And to me they are calling again for an office called Gabbs to charge me the same account, but now say 22 000 and I do not know why I say it went by the interest but I tell them I already paid for and I believe because I have the letter of termination, only vouchers. I think that money is already lost and I'm so sad because now I owe to my family.

As we can see, this lady was deceived by Secorse and their employees. When it was my testimony I contacted the office to ask for such Javier and of course, never talked to him. First he denied that he had gone to court to hear the case of a debtor, then told me not to know him. It is obvious that there is and the name given was false. My recommendation? Go to the Condusef with their vouchers and requiring that he be recognized.

What were the mistakes he made the lady?

1. Do not ask for identification to the person treated. If you did it first by phone, should confirm that it was an employee of the company, especially when he visited. During the visit had to ask the IFE credential and professional identification of who holds a bachelor's degree. Not having or not show anything, it should not be any treatment.

2. The deposit was made to an account number of an office, not directly to the account owed to HSBC. Never, but never, ever be required to pay a single centvo to an account that is not their own. The consequences, we are seeing.

3. No letter of agreement signed prior to any payment, it has everything to lose. If you decide to pay for treatment should be made only with the bank. And if the bank is not responsible for the payment, the penalty is not paid, period.

Discounts "attractive" to make bank loans are usually taken from a hair and those who continue to promote "fair pay" is only encouraging that people defenseless, good-faith debtors who want to succeed in their fights , are deceived. Do not be surprised.