My Timothy
Timothy, my baby
You are most precious to mommy
When you came to me,
My whole life is in glee.
Timothy, my darling
My love for you is never ending
I’ll always be by your side
To protect you and be your guide.
Timothy, my only one
I thank God for you, my son.
Because of you, I feel so blessed
My life now is no longer a mess.
Many times I dreamt for peace
To come to me and put me at ease.
I also wished for death to come
To end my grief and leave me numb.
But then… you came…
Sudden joy filled the pain
Because of you I kept up my hope
Because of you, I hold on to the Lord.
You are my life now
To love you and protect you, I have vowed
Never will I let you feel the pain,
The agony that has kept me several years insane.
My love for you will never end
Up to my last breath, I will hold your hand
My son, my blood, my flesh
Timothy, my ever dearest.
Last July 7 (Friday), I received a phone call from an agent of City Limits. At first, I thought that this company is part of CITIBANK, just like CITIFINANCIAL. The agent told me that since I am a member of CITIBANK, they would give me a VIP privelege card wherein I would be entitled of priveleges, OF COURSE! She told me in a very convincing manner, that with the VIP card, they will give me a life insurance and medical/dental reimbursements. As far as I remember, reimbursement is up to 25% of the total amount of medical/dental expenses (i.e. consultation fees, medicine, etc.). Guess what the best part is! The VIP card entitles my immediate family and my husband's family for the same benefit excluding the life insurance.
During our conversation, she told me that I would be charged through my credit card a one-time fee of PhP4,700 as payment for the said insurance. AND as long as I have a good credit standing with CITIBANK, I will remain entitled to said benefits. To me, it would mean FOREVER, because I don't intend to run away from my obligations with a credit card company.
She also told me that the payment of said amount would be very easy since I can ask the CITIBANK to convert it into deferred installments of up to 12 months. In short, I would be paying 392.00 pesos. If only I was able to compute it myself that very time, I would have known that she is making a fool out of me. I asked her if I would be charged of interest once I opted for the deferred payment. The BITCH told me that I would be charged of NOTHING more than PhP4,700. She told me that monthly payment would cost me around 400 plus! See! There is really something wrong!!!
I felt like I was hypnotized or something. Our conversation was nonstop and I thought she have explained it very well. I was convinced and I believed that the offer was very GOOD and worth the 4,700 (kasi nga, isip ko it will be FOREVER!). SO, when she asked me of my credit card number, I immediately get my card and gave her my credit card number as well as details of family members.
That afternoon when my husband called me at the office, I was so excited to tell him about CITY LIMITS and what transpired between me and the agent. I really thought he would like it because his family would also benefit from it. To my surprise, my husband did not like it. He asked me questions the agent have not clarified to me. I really got confused and so worried. That's the time when I realized that I should have not confirmed anything to anyone if I have not brought it up to my husband yet, especially when it comes to financial decisions.
On July 10 (Monday), when I got to office, I called CITY LIMITS and asked for the cancellation of our transaction. I talked to the company's manager and told her that the agent did not clearly explained the details and that I was made to believe that it was a lifetime insurance. I explained to her that the agent did not discussed it vaguely and I was not given the whole picture. After a long paliwanagan, the manager approved the cancellation and informed me that they would charge me PhP900 for the delivery fee and other expenses for the kit they prepared for me.
Hay!!!! That week was so stressful. It even bankrupt me! Syempre, I paid for my mistake...(hay, sayang talaga...)
Geez, I've learned my lesson!
1. Don't accept offers through phone calls. AGENTs can be very tricky.
2. When making any deal, make sure it's in BLACK and WHITE. And READ it thoroughly.
3. Give importance to your spouse's opinion.
4. When you make mistakes, learn from it and get over it... MOVE ON.
5. Always ask for the Lord's guidance so He would give you a sound mind.