Remittance ERROR...

[shintaro]

There is a general provisions applied to remittance transactions that states that the "bank" shall not be responsible for errors or delays in the domestic fund transfer or for inaccracies in the instructions provided, or for any other consequences arising from causes beyond its control.

However, i would like to present my case...

I sent my remittance application with the money last July 24.
I had a missed call (03......) at 17:19 last July 25. And thinking it might be from the bank, i called it up to no avail. Then I decided to wait for another return call but received nothing.
After that missed call, no return call had happen. Therefore, I concluded that there is nothing wrong.
Yesterday(July 31), I received the copy of my remittance but I was shocked because my remittance was not in dollar but in peso instead and the clearing date is July 25, 17:23(barely 4 minutes after the missed call)My remittance was for my dollar insurance premium in another bank which has no services here in japan.

This is not the first time i remit money for the same insurance policy that's why i am shocked with the error.

My questions:

Should the bank be responsible for this error?
Should I spend another amount for resending my remittance for the value intended?(By the way, I had asked the insurance company and replied back that the bank will not accept my premium since it was in peso instead of dollar)
I also wonder, why until now(August 1) the bank in tokyo has no idea if there is a problem with my remittance or nothing?Hope that there are TF members who had the same experience or knowledgeable about it to please share them on how it should be dealt with?

Thanks in advance.;)

[megami704]

Sir Metrobank po ba sinasabi nyo? kung sa metrobank, as far as I know, as soon as you deposited your remittance money thru furikomi, you should call the bank right away to inform them or else it will automatically deposited in the account of the benifiaciary you wrote when you applied your remittance account. Pero if you have 2 or more, alam ko steady lang and wait pa rin for your confrimation. AKo din po before, i forgot to inform them and they called me around 5pm kaso di ko nasagot, then call ako the next day kasi wala na sumasagot ng mga 5:30, di na daw pala sila entertain ng call 5pm after... Kung hindi po metrobank ang sinasbai nyo, dont mind this:O

Kung na-inform nyo po pala and sila po talaga ang may error, sila po may responsible nun. Naka-usap nyo na po ba yung bank?

[shintaro]

Sir Metrobank po ba sinasabi nyo? kung sa metrobank, as far as I know, as soon as you deposited your remittance money thru furikomi, you should call the bank right away to inform them or else it will automatically deposited in the account of the benifiaciary you wrote when you applied your remittance account. Pero if you have 2 or more, alam ko steady lang and wait pa rin for your confrimation. AKo din po before, i forgot to inform them and they called me around 5pm kaso di ko nasagot, then call ako the next day kasi wala na sumasagot ng mga 5:30, di na daw pala sila entertain ng call 5pm after... Kung hindi po metrobank ang sinasbai nyo, dont mind this:O

Kung na-inform nyo po pala and sila po talaga ang may error, sila po may responsible nun. Naka-usap nyo na po ba yung bank?

this time around, ayaw ko munang i-divulge which bank it is para maiwasan ang pagkakaroon ng lobbying.

i had at least 2 beneficiaries for that particular bank, kaya naguguluhan ako kung paano ito nangyari. tumawag sa akin pero hindi ko nasagot tapos after 4 minutes na-iprocess na nila.:confused:

[vectra1123]

shintaro san!

Everytime ba na nagpapadala ka di ka na tumatawag sa bank para i-confirm kung saan account dapat ipasok yung money? Same kami ni megami704, 3 ang accounts ko sa isang bank sa atin,Metrobank manila at QC before 3 pm I call them to instruct on which account should the money be placed,kasi kung hindi they will call you or pending ang money mo.

In your case 2 ang account mo so how do they know which account should they put the remittance?

[shintaro]

shintaro san!

Everytime ba na nagpapadala ka di ka na tumatawag sa bank para i-confirm kung saan account dapat ipasok yung money? Same kami ni megami704, 3 ang accounts ko sa isang bank sa atin,Metrobank manila at QC before 3 pm I call them to instruct on which account should the money be placed,kasi kung hindi they will call you or pending ang money mo.

In your case 2 ang account mo so how do they know which account should they put the remittance?


nasa application po yung beneficiary...togeth er which bank/account. dahil 3rd time na nga ito...kaya hindi ko talaga expected na nagkaroon o magkakaroon ng errors.

tuwing nagpapadala po ako, hindi na po ako tumatawag both pnb and metrobank... i just wait for my remittance copy and last time i remit lang nagkaroon ng error. yun nga, tumawag ang bank pero hindi ako nakausap, pero bakit itinuloy pa rin nila ang remittance processing(kung may nakita nga silang problema)?:confused:

gusto ko kasing malaman kung may liability ang bank sa error na naganap. ang gumugulo lang sa isip ko baka idahilan nila yung provisions. gusto ko ring malaman kung dapat pa ba akong magbayad ulit para sa pagreremit ng pera ko.:(

thanks for sharing your thoughts...sana maging gabay din ito sa iba nating kaTF in case magkaroon ng error sa remittance nila...i will update you guys once i got confirmation from the bank.

[rhynissa]

tsk tsk tsk... anu ba namang mga banko yan, pagdating talaga sa Pinas alang wenta kahit mga banko (sorry po, di lang mapigilan:mad:)..

Dapat alam nila kung saang account number nila ilalagay dahil hinihingi naman po nila ang account number kung saan ka duon magremit diba? Well, if i were you kausapin mo kahit thru phone, kung 3x na palang nangyayari yan aba magcomplain ka.. para din ma-clarify kung anu ang mga di mo alam sa procedure nila. Minsan sila pa ang mga matataray kasi eh, mali yun. May friend ako taga-dito ang taray daw ng isang banko kung saan siya nagreremit ng pera:mad:, mga walang modo, walang galang.. tsk tsk.. pinoy nga naman oo:mad:

[megami704]

nasa application po yung beneficiary...togeth er which bank/account. dahil 3rd time na nga ito...kaya hindi ko talaga expected na nagkaroon o magkakaroon ng errors.

tuwing nagpapadala po ako, hindi na po ako tumatawag both pnb and metrobank... i just wait for my remittance copy and last time i remit lang nagkaroon ng error. yun nga, tumawag ang bank pero hindi ako nakausap, pero bakit itinuloy pa rin nila ang remittance processing(kung may nakita nga silang problema)?:confused:

gusto ko kasing malaman kung may liability ang bank sa error na naganap. ang gumugulo lang sa isip ko baka idahilan nila yung provisions. gusto ko ring malaman kung dapat pa ba akong magbayad ulit para sa pagreremit ng pera ko.:(

thanks for sharing your thoughts...sana maging gabay din ito sa iba nating kaTF in case magkaroon ng error sa remittance nila...i will update you guys once i got confirmation from the bank.

kung hindi nyo pala kino-confirm kung saan account ni-reremit, baka nag-assume na sila na ideposit dun sa usual na dinedepositahan nyo.. Kasi sabi nyo po 2 ang beneficiaries.

Pero dapat nga talaga naka-pending yung finirukomi mo. ANg magagawa nyo na lang nyan siguro ay tawagan yung mismo branch ng bank account mo, sa pinas po ba or dito? Kung sa pinas po kasi yung branch ng account mo, wala na po yata magagawa yung bank dito dahil wiring lang po sila. Mas mapapadali na lang siguro kung magremit ka ulit at make sure na i-confirm mo na.

Ako po wala pa ako naging problem sa remittance kasi lagi ko kino-confirm pagka-deposit, laging on time talaga. Sa metrobank ako, pero sa PNB may mga narinig na ko negative feedbacks before, minsan delay.

[dalajoey]

if you send your remittance through furikomi, (metrobank) advices you
to include the benificiary number (if you have more than 1 beneficiaries)
beside the account name, and call them as well (this may be unnecessary
but just to make sure.)

regarding the remittance fee again, better call the bank.
regarding the liability, sorry i don't have a concrete answer and i don't wanna
speculate too.

maybe other members can provide a "concrete" answer, not just speculations.

but good thing, your money is safe. medyo hassle nga lang.





gusto ko kasing malaman kung may liability ang bank sa error na naganap. ang gumugulo lang sa isip ko baka idahilan nila yung provisions. gusto ko ring malaman kung dapat pa ba akong magbayad ulit para sa pagreremit ng pera ko.:(


i think it's not that big a deal if you name the bank. besides, it's already a known fact
that it's either MB or PNB. some may relate their experiences with PNB, but you sent your remittance through MB, or vice-versa.

this time around, ayaw ko munang i-divulge which bank it is para maiwasan ang pagkakaroon ng lobbying.

[rubyuki]

sa akin din , since dalawa na silang pinapadalhan ko , after kung maghulog tumatawag ako sa bank and instruct them kung kanino yong pinadala ko . madali lang naman yon . at this time very polite na sila . masabihan kasi dati na mga suplada sila. at meron na din silang nagawang mistake sa akin kaya careful na sila.

ganun na lang ang gawin mo , pagka remit mo , tawagan mo sila kung para kanino yong pera. :jiggy:

[shintaro]

tsk tsk tsk... kung 3x na palang nangyayari yan aba magcomplain ka.. para din ma-clarify kung anu ang mga di mo alam sa procedure nila. Minsan sila pa ang mga matataray kasi eh, mali yun.

3x na po akong nagpadala with the same beneficiary with bank account no. of a different bank...but the last time lang nagkaroon ng mali...instead of dollar ay ginawang peso(dollar account).

kung hindi nyo pala kino-confirm kung saan account ni-reremit, baka nag-assume na sila na ideposit dun sa usual na dinedepositahan nyo.. Kasi sabi nyo po 2 ang beneficiaries.

Pero dapat nga talaga naka-pending yung finirukomi mo.

Sa metrobank ako, pero sa PNB may mga narinig na ko negative feedbacks before, minsan delay.

may beneficiary naman po yung application ko at may account no. pa of a different bank....but the problem is the account is in dollar but they remit in peso.

yun nga po kung may nakita silang discrepancy, dapat pinending nila yung pera ko until they confirmed it from me.



if you send your remittance through furikomi, (metrobank) advices you
to include the benificiary number (if you have more than 1 beneficiaries)
beside the account name, and call them as well (this may be unnecessary
but just to make sure.)

regarding the remittance fee again, better call the bank.
regarding the liability, sorry i don't have a concrete answer and i don't wanna
speculate too.

maybe other members can provide a "concrete" answer, not just speculations.

but good thing, your money is safe. medyo hassle nga lang.



until now po, wala pa po akong natatanggap na tawag mula sa banko kung meron nga talagang problema (though sa copy of my remittance may nakita nga akong problema which is the "dollar issue").

last friday, i had called the bank...maayos naman ang nakausap ko(though gusto ko sanang makausap yugn mismong nagprocess ng remittance ko). sinabi nya na wala pa silang natatanggap mula sa head office nila kung may problema ang remittance at sinabi nya na lang na they would call me as soon as they receive feedback from their head-office in manila.

now is monday around 11:48 in the morning and i still don't receive any calls from them. pag may bagong development, i will update you guys.

sa akin din , since dalawa na silang pinapadalhan ko , after kung maghulog tumatawag ako sa bank and instruct them kung kanino yong pinadala ko . madali lang naman yon . at this time very polite na sila . masabihan kasi dati na mga suplada sila. at meron na din silang nagawang mistake sa akin kaya careful na sila.

ganun na lang ang gawin mo , pagka remit mo , tawagan mo sila kung para kanino yong pera. :jiggy:

ang di ko lang maintindihan ay bakit pa kailangang tawagan sila kung meron ka namang filled-up form together with the money and to think ang hirap makontak ng lines nila...laging busy.

pwede po bang malaman kung noong nagkamali yung banko ay may additional payments kayong ginawa o kung hindi naman po masamang itanong kung ano rin po yung ginawang mali ng banko sa inyo para mayroon po akong maging basehan sa kaso ko. thanks.;)

[malibuPine]

3x na po akong nagpadala with the same beneficiary with bank account no. of a different bank...but the last time lang nagkaroon ng mali...instead of dollar ay ginawang peso(dollar account).

...may beneficiary naman po yung application ko at may account no. pa of a different bank....but the problem is the account is in dollar but they remit in peso.

Have you specified sa instruction or remittance application that the said account is a "dollar account"?

Since the fund is to be remitted to "other bank" most likely hindi alam ng bank sa japan kung dollar or peso yun. So kahit na po 3x na po kayo nagpapadala sa account na yun, dapat laging complete ang details na nakalagay sa instruction nyo. It is important to specify if it's a dollar or peso account so as to facilitate smooth transfer of funds.

yun nga po kung may nakita silang discrepancy, dapat pinending nila yung pera ko until they confirmed it from me.

They tried to contact you. Close na po ang banko ng 3PM wala ng sasagot sa tawag nyo. If you called them early morning the next day, mahahabol pa yun and maagapan mai-correct kung meron mang error.

last friday, i had called the bank...maayos naman ang nakausap ko(though gusto ko sanang makausap yugn mismong nagprocess ng remittance ko). sinabi nya na wala pa silang natatanggap mula sa head office nila kung may problema ang remittance at sinabi nya na lang na they would call me as soon as they receive feedback from their head-office in manila.

now is monday around 11:48 in the morning and i still don't receive any calls from them. pag may bagong development, i will update you guys.

Analysis ko lang po ~ ang remittance nyo ay from Tokyo bank - Head Office - Other Bank in Pinas. So your benef bank in Pinas should inform the Head Office of error if there is. I think your bank in Pinas should be able to know if the account is a dollar or a peso account based on the code or first 3 digits of the account number.

Granting the remitting bank made a mistake and specified the account as "peso account" hindi rin po ma-ilagay sa Peso account cus the account number is that of the dollar account. They will either put your remittance on hold, or go ahead and credit it to your benef's dollar account, assuming there is a dollar account.

Don't hesitate to call them and follow up.

ang di ko lang maintindihan ay bakit pa kailangang tawagan sila kung meron ka namang filled-up form together with the money and to think ang hirap makontak ng lines nila...laging busy.

pwede po bang malaman kung noong nagkamali yung banko ay may additional payments kayong ginawa o kung hindi naman po masamang itanong kung ano rin po yung ginawang mali ng banko sa inyo para mayroon po akong maging basehan sa kaso ko. thanks.;)

If your remittance instruction is complete with the necessary details, you don't need to call them. Kung maliwanag ang instruction nyo at ang banko ang may mali, it's logical that you don't need to pay any additional fees to correct the process.

Hope things will be straightened out. Goodspeed!

[shintaro]

They tried to contact you. Close na po ang banko ng 3PM wala ng sasagot sa tawag nyo. If you called them early morning the next day, mahahabol pa yun and maagapan mai-correct kung meron mang error.

Analysis ko lang po ~ ang remittance nyo ay from Tokyo bank - Head Office - Other Bank in Pinas. So your benef bank in Pinas should inform the Head Office of error if there is. I think your bank in Pinas should be able to know if the account is a dollar or a peso account based on the code or first 3 digits of the account number.

Don't hesitate to call them and follow up.

...

I sent my remittance application with the money last July 24.
I had a missed call (03......) at 17:19 last July 25. And thinking it might be from the bank, i called it up to no avail. Then I decided to wait for another return call but received nothing.
After that missed call, no return call had happen. Therefore, I concluded that there is nothing wrong.
Yesterday(July 31), I received the copy of my remittance but I was shocked because my remittance was not in dollar but in peso instead and the clearing date is July 25, 17:23(barely 4 minutes after the missed call)

thanks malibuPine san for taking time answering my post(s)...i just quote once again yung turn of events...yung mga data pong yan ay kaya kong ilabas in case they like to contest that.

hindi ko po kasi maalala kung mayroon akong na-miss sa application form(but in case meron, dapat po talagang ininform nila muna ako before they continue the transaction).:confus ed:

sana nga po, wala akong ilabas na pera pa for the proper processing ng remittance ko....if ever may problema ngang nangyari(though sa copy ko nga ay may problem) baka they could do internal solutions to that. hope so.

i just called the bank around 11:15 today(August 5), still no confirmation kung natanggap ba ng maayos yung remittance ko o may problema ba talaga.[/B]:(

[shintaro]

Today is August 10...and i am still clueless of what really happened to my remittance...

I had called the bank last thursday and the person i talked to told me that she will send an e-mail to me once she got a feedback from their head office and she will talk to her supervisor regarding my problem....

Tomorrow, August 11...I will call the bank once again and i will give them an ultimatum.

[shintaro]

PNB had called me this morning (before my intial plan to call them). Lorie told me that my fund was already received by BPI but they will negotiate further on my fund'S conversion to dollar. I have yet to hear from them if they had made it a success. the best thing is, i wouldn't dwell more money to make them possible.:D

This thread somehow give me enough breathing space...I overcome my sense of being piss-off. I always talked to them in mild manner though sometimes I want to burst.

I now believe na nakukuha talaga sa mabuting usapan ang anumang bagay...hindi kailangang idaan sa galit.

[DreamCatcher]

This thread somehow give me enough breathing space...I overcome my sense of being piss-off. I always talked to them in mild manner though sometimes I want to burst.

I now believe na nakukuha talaga sa mabuting usapan ang anumang bagay...hindi kailangang idaan sa galit.

Well said Bro...:cool:

[shintaro]

PNB had called me this morning (before my intial plan to call them). Lorie told me that my fund was already received by BPI but they will negotiate further on my fund'S conversion to dollar. I have yet to hear from them if they had made it a success. the best thing is, i wouldn't dwell more money to make them possible.:D

This thread somehow give me enough breathing space...I overcome my sense of being piss-off. I always talked to them in mild manner though sometimes I want to burst.

I now believe na nakukuha talaga sa mabuting usapan ang anumang bagay...hindi kailangang idaan sa galit.


I spoke too soon!!!??!!!

It's been more than a week since PNB TOKYO told me that BPI had received my fund but until now, my beneficiary(PHILAM) has not receive my fund yet.:(

I called PNB TOKYO yesterday morning and they can't give me concrete result about the remittance error they had done. and for the first time with my conversation with them...i exploded:mad:. it really pisses me off...it's almost a month yet no concrete result.

My trust and confidence with PNB dwindle. I am not sure if i would still transact with them despite their higher exchange rate compare to MBTC.:rolleyes:

[jcby1321]

hay naku, ako din i had an experience with PNB as in kung hindi ko pa pinuntahan eh hindi aayusin...its a remittance error din...not by the bank but by a friend.. mali lang ng account ang napasukan..yung pnb account ko which is no longer active... Ive called PNB Tokyo to seek advice on what to do...they told me to send them papers like authorization etc... i did what they told me... and according to them, im gonna wait one week or two... but oh my...almost a month na, still no result...
i did a follow up call, but they told me to wait...i said i cant wait that long kase kailangan nga yung pera...buti na lang hindi yun pang ospital ng kahit sino kundi tigok na yung padadalhan mo hindi pa ok yung resulta....hindi na ako makapag-hintay kaya pinuntahan namin sya from my place to tokyo...matsumoto-tokyo...
sabi nila ala pa daw yung papel na pinadala ko tapos nakita ko ayun,sa table nung staff natabunan ng mga gamit nya...kaya ala kwenta yung pag-aantay ko... kailangan mo tlaga solang personal na puntahan....:mad::ro lleyes: mula nun, nawalan na ako ng gana sa service nila...:rolleyes:

[shintaro]

hay naku, ako din i had an experience with PNB as in kung hindi ko pa pinuntahan eh hindi aayusin...its a remittance error din...not by the bank but by a friend.. mali lang ng account ang napasukan..yung pnb account ko which is no longer active... Ive called PNB Tokyo to seek advice on what to do...they told me to send them papers like authorization etc... i did what they told me... and according to them, im gonna wait one week or two... but oh my...almost a month na, still no result...
i did a follow up call, but they told me to wait...i said i cant wait that long kase kailangan nga yung pera...buti na lang hindi yun pang ospital ng kahit sino kundi tigok na yung padadalhan mo hindi pa ok yung resulta....hindi na ako makapag-hintay kaya pinuntahan namin sya from my place to tokyo...matsumoto-tokyo...
sabi nila ala pa daw yung papel na pinadala ko tapos nakita ko ayun,sa table nung staff natabunan ng mga gamit nya...kaya ala kwenta yung pag-aantay ko... kailangan mo tlaga solang personal na puntahan....:mad::ro lleyes: mula nun, nawalan na ako ng gana sa service nila...:rolleyes:


grabe pala yang experience mo...ang layo din ng Matsumoto Shi sa Tokyo ah...

Wala ba silang ginawa to persuade you na it won't happen again? Kailangan ata dito sa PNB TOKYO ay binibigyan ng leksyon. I wonder kung ilang customers na nila ang nakaranas at makakaranas pa ng ganito.

thanks for sharing your experience...pambala din yan.;)

[shintaro]

I had receive a confirmation from Philam that they already receive my payment... Ngayon ko lang na-update kasi hindi ako gaanong kampante sa mga tawag sa akin ng mga taga PNB(take note MGA), iba-ibang tao ang naka-usap ko.

This morning ko lang natanggap ang e-mail sa akin. Thankful ako and at the same time may konting frustration kasi nagkaroon ako ng outstanding balance na around $9. nevertheless, buti na lang at naayos din yung remittance error na nangyari at wala akong extra fund na inilabas which is also important.

sana maging gabay ito sa iba pa nating kababayan na nagkaroon o magkakaroon ng problema sa remittances nila...;)

[makulit]

malinaw po ba sa application mo na dollar account yung beneficiary?

[marjron]

so far naman po ok naman po service ng said bank sa amin ng asawa ko. if you encounter any bad service i think it is better to report them to proper authorities para po macheck ung mga staff na not deserving magwork sa nasabing institusyon. kasi po kawawa naman po ung mga ibang staff na mahusay at dedicated sa trabaho po nila.

[shintaro]

malinaw po ba sa application mo na dollar account yung beneficiary?



hindi ko po alam kung may problema sa application form which i filled-up. but it was the third time i sent to the same account number...at mayroon silang mga reference number na inilalagay....kaya po sa tingin ko, sa kanila talaga nagkaproblema kaya hindi na nila ako siningil for re-processing the remittance.



so far naman po ok naman po service ng said bank sa amin ng asawa ko. if you encounter any bad service i think it is better to report them to proper authorities para po macheck ung mga staff na not deserving magwork sa nasabing institusyon. kasi po kawawa naman po ung mga ibang staff na mahusay at dedicated sa trabaho po nila.


yun nga din po ang iniisip ko...hindi naman po lahat ng staff ng bankong ito ay palpak...kaya nga lang po, kapag may kapalpakang naganap, hindi natin maiaalis na maibunton ang sisi sa buong organisasyon.

sa ngayon...nais ko lang magbigay ng babala sa iba pa nating mga kababayan na kung sakaling makasumpong sila ng parehong problema, huwag silang mag-atubiling magreklamo at alamin din natin ang ating karapatan (dahil po sa una, parang gusto nila akong singilin para sa re-processing) but thank God, wala na akong inilabas na dagdag kabayaran. ;)

[shintaro]

Sir Metrobank po ba sinasabi nyo? kung sa metrobank, as far as I know, as soon as you deposited your remittance money thru furikomi, you should call the bank right away to inform them or else it will automatically deposited in the account of the benifiaciary you wrote when you applied your remittance account. Pero if you have 2 or more, alam ko steady lang and wait pa rin for your confrimation. AKo din po before, i forgot to inform them and they called me around 5pm kaso di ko nasagot, then call ako the next day kasi wala na sumasagot ng mga 5:30, di na daw pala sila entertain ng call 5pm after... Kung hindi po metrobank ang sinasbai nyo, dont mind this:O

Kung na-inform nyo po pala and sila po talaga ang may error, sila po may responsible nun. Naka-usap nyo na po ba yung bank?

shintaro san!

Everytime ba na nagpapadala ka di ka na tumatawag sa bank para i-confirm kung saan account dapat ipasok yung money? Same kami ni megami704, 3 ang accounts ko sa isang bank sa atin,Metrobank manila at QC before 3 pm I call them to instruct on which account should the money be placed,kasi kung hindi they will call you or pending ang money mo.

In your case 2 ang account mo so how do they know which account should they put the remittance?

if you send your remittance through furikomi, (metrobank) advices you
to include the benificiary number (if you have more than 1 beneficiaries)
beside the account name, and call them as well (this may be unnecessary
but just to make sure.)

regarding the remittance fee again, better call the bank.
regarding the liability, sorry i don't have a concrete answer and i don't wanna
speculate too.

maybe other members can provide a "concrete" answer, not just speculations.

but good thing, your money is safe. medyo hassle nga lang.






i think it's not that big a deal if you name the bank. besides, it's already a known fact
that it's either MB or PNB. some may relate their experiences with PNB, but you sent your remittance through MB, or vice-versa.

Have you specified sa instruction or remittance application that the said account is a "dollar account"?

Since the fund is to be remitted to "other bank" most likely hindi alam ng bank sa japan kung dollar or peso yun. So kahit na po 3x na po kayo nagpapadala sa account na yun, dapat laging complete ang details na nakalagay sa instruction nyo. It is important to specify if it's a dollar or peso account so as to facilitate smooth transfer of funds.



They tried to contact you. Close na po ang banko ng 3PM wala ng sasagot sa tawag nyo. If you called them early morning the next day, mahahabol pa yun and maagapan mai-correct kung meron mang error.



Analysis ko lang po ~ ang remittance nyo ay from Tokyo bank - Head Office - Other Bank in Pinas. So your benef bank in Pinas should inform the Head Office of error if there is. I think your bank in Pinas should be able to know if the account is a dollar or a peso account based on the code or first 3 digits of the account number.

Granting the remitting bank made a mistake and specified the account as "peso account" hindi rin po ma-ilagay sa Peso account cus the account number is that of the dollar account. They will either put your remittance on hold, or go ahead and credit it to your benef's dollar account, assuming there is a dollar account.

Don't hesitate to call them and follow up.



If your remittance instruction is complete with the necessary details, you don't need to call them. Kung maliwanag ang instruction nyo at ang banko ang may mali, it's logical that you don't need to pay any additional fees to correct the process.

Hope things will be straightened out. Goodspeed!


malinaw po ba sa application mo na dollar account yung beneficiary?




i've read my own thread once again(after reading the YEHEY thread:D) and i realize...hindi po pala ito thru furikomi(na over look ko yung term na ito)...genkin kakitome po ito kaya may paper trail na pwedeng pagbasehan ang banko (PNB in particular)... it took almost a month bago nila natrace yung problema at nasolve.

para sa kaalaman ng marami( sa mga di gaanong nakakaalam:D)

furikomi - bank to bank ang transaction na ito (any Japanese bank to PNB/MB's account in a particular Japanese bank)
genkin kakitome - post office to bank(direct sa either PNB/MB ang pera mo)
kaya after that bad experince with them, i never transact with them again...(nagkaroon na ako ng phobia).

inangat ko lang ulit para maging babala sa ibang kaTF natin na magkakaroon ng bad experience sa remittance nila.