Ayala Office answered back.
Monday, August 29, 2005
Ayala wrote me back my email and their answer. They still didnt give me back the discounts. The answers to my email is in Italic font.
This my letter to them:
Dear Ms (Sales Manager)
My complain is:
First we discuss with Atty Pulido before we signed the contract, we avail of 2% disc( 43,093.06)+ 20,000 August promo,+ 5% discount (25,144.50)because we opt to give one spot deposits of 477,116.72 pesos - we already discussed. and thank you for understanding.
You signed ( we got the copy) that, that computations will be on the blank contract.
After an hour, the pricing and some discounts disappear. Right after we signed the contracts.
You admit that you all made a mistake. yes,confussion arises if we are going to loan from the bank or have it cash or loan thru UK bank. right?
Another computation arises:
You delete the 2% disc, then the 5% spot down disc is deleted also and whats left is employee discounts of peanuts(41,546.53 ) when we are about to send this amount of 536,408.55 in a month (August 30, 2005)?
>yes mam you are right the discount is deleted because you chose to have an interest free which is Deferred payment.You will only get the 2% and 5% discount if you choose to avail of Bank Financing with 12% interest for your monthly amortization. With regards to your Spotfull Down Payment Mam,San po natin nakuha ang 536,408.55? Please focused on the official computations that i gave you before you leave the country there's no 536,408.55 as agreed upon our last conversation. Your Spot Downpayment is only 477,116.72 Mam, this is the official coming from our sales admin is payable this Aug.
Are you all serious of the business or what? we cant blame you if we lead to this situation, sorry po.
I need an explanations on this, Frenchman is total mad about this, and told me to hold sending the downpayments. We will be opting to cancel the whole lot if it is like that!
Signed:(francesca)
They still try to win me back to get the unit, but sorry, bye bye na talaga. Kakain na lang kami ni Michel sa fine dining resto mamaya from the loan money, hehe.
This my letter to them:
Dear Ms (Sales Manager)
My complain is:
First we discuss with Atty Pulido before we signed the contract, we avail of 2% disc( 43,093.06)+ 20,000 August promo,+ 5% discount (25,144.50)because we opt to give one spot deposits of 477,116.72 pesos - we already discussed. and thank you for understanding.
You signed ( we got the copy) that, that computations will be on the blank contract.
After an hour, the pricing and some discounts disappear. Right after we signed the contracts.
You admit that you all made a mistake. yes,confussion arises if we are going to loan from the bank or have it cash or loan thru UK bank. right?
Another computation arises:
You delete the 2% disc, then the 5% spot down disc is deleted also and whats left is employee discounts of peanuts(41,546.53 ) when we are about to send this amount of 536,408.55 in a month (August 30, 2005)?
>yes mam you are right the discount is deleted because you chose to have an interest free which is Deferred payment.You will only get the 2% and 5% discount if you choose to avail of Bank Financing with 12% interest for your monthly amortization. With regards to your Spotfull Down Payment Mam,San po natin nakuha ang 536,408.55? Please focused on the official computations that i gave you before you leave the country there's no 536,408.55 as agreed upon our last conversation. Your Spot Downpayment is only 477,116.72 Mam, this is the official coming from our sales admin is payable this Aug.
Are you all serious of the business or what? we cant blame you if we lead to this situation, sorry po.
I need an explanations on this, Frenchman is total mad about this, and told me to hold sending the downpayments. We will be opting to cancel the whole lot if it is like that!
Signed:(francesca)
They still try to win me back to get the unit, but sorry, bye bye na talaga. Kakain na lang kami ni Michel sa fine dining resto mamaya from the loan money, hehe.
posted by Francesca at 7:36 AM, | 
22 Comments:
It's so disappointing talaga. Diba nila naisip that good business reap good rewards? Obviously not! If your purchase had been successful it would've been a very good way to advertise their business more to your other expat friends. Sinayang kamo nila!
Bakit naman kasi si Ayala hindi black and white sa deal nya? Thats also what I noticed in doing business in the Philippines (been in sales for 10 years there engaged in software enterprise applications dati) and its always the case, nothing is black and white, always maraming grey areas. This is very typical Pinoy business dealings. Hindi kasi pwede yan eh sa mga foreigners at mga taong exposed na sa culture na black and white. And usapan ay usapan, magkamali ka dyan, they will not trust u anymore. Pera yan kasi.
Sabi nga ng Dutchman one time. He hates the Filipino style of pabago-bago... pa iba-iba... at yung last minute change thing. He noticed kasi one time I was traveling to a friend and my friend (Pinay haha) changed my schedule with her last minute to something else. Bakit raw ganun? Bakit raw ako pumayag? Kasi sa culture nila, anong usapan ay usapan. If ganyan raw sa personal ang mga Pinoy, eh ano pa raw sa business? Kaya sabi nya (masakit sa puso ko lol): "Look at the Philippines"
Sabi nga ng Dutchman one time. He hates the Filipino style of pabago-bago... pa iba-iba... at yung last minute change thing. He noticed kasi one time I was traveling to a friend and my friend (Pinay haha) changed my schedule with her last minute to something else. Bakit raw ganun? Bakit raw ako pumayag? Kasi sa culture nila, anong usapan ay usapan. If ganyan raw sa personal ang mga Pinoy, eh ano pa raw sa business? Kaya sabi nya (masakit sa puso ko lol): "Look at the Philippines"
They send me a new proposal.
eto ang explanations, just today 5pm frenchtime ko nabasa.
"Hi mam Amy, attached herewith are the computation with discount that I could offer if you will choose this financing. In this computation the Bank discount which is 2% is granted, with 5% discount on the down payment since you will pay it in spot/one time, I also give you the Ayala Referred Discount which is only applicable for Ayala Employee, and 9,000 discount for the completion of documents within the month of August. Please take note that the following discounts are only given if you avail the Bank Financing Payment Term and not applicable on the term you have avail during the reservation. Please call me If you have any clarification or question regarding my proposal.
Thank you and hope to hear from you soon."
Hmmn, next comment ang pgkakaintindi ko dyan.
eto ang explanations, just today 5pm frenchtime ko nabasa.
"Hi mam Amy, attached herewith are the computation with discount that I could offer if you will choose this financing. In this computation the Bank discount which is 2% is granted, with 5% discount on the down payment since you will pay it in spot/one time, I also give you the Ayala Referred Discount which is only applicable for Ayala Employee, and 9,000 discount for the completion of documents within the month of August. Please take note that the following discounts are only given if you avail the Bank Financing Payment Term and not applicable on the term you have avail during the reservation. Please call me If you have any clarification or question regarding my proposal.
Thank you and hope to hear from you soon."
Hmmn, next comment ang pgkakaintindi ko dyan.
Simple lang dapat ang explanation ng sales department, kaya kahit sila nahilo!
so bigay na raw nila lahat na discounts. But, uutangin ko raw 1.7 million pesos na balance sa bank nila, with interests of 12 per year.
Tinotal ko interests: 206 thousand pesos ++ barya.
X2 kaya tutubo bank sa kin ng kulang kulang 412,000 pesos sa 24 months payments.
Ano ako hilo?
Tinotal ko interests: 206 thousand pesos ++ barya.
X2 kaya tutubo bank sa kin ng kulang kulang 412,000 pesos sa 24 months payments.
Ano ako hilo?
sabi na sayo e, check their interest rate..i was surprised talaga when you told me it's 0%int for 2 yrs. they actually prefer inhouse financing kasi they gain a lot from the interest alone, pag cash payments kasi, walang ganun, and what will they do with cash, e laki na ng capital nila right...hehe, and what? you're obliged to loan from their bank? hehe, business à la pinoy talaga oo...
so what's the final decision? à prendre ou à laisser?
so what's the final decision? à prendre ou à laisser?
à laisser, ano fi?
Bye bye ayala, umiyak man sila dyan, yoko na.Tumawag pa sila rito long distance, kasi baka naman daw makuha kausap si Lolo.
Sabi ko, galit na si Lolo, ayaw na niya. then hindi raw makuha 20,000 namin kasi daw may napirmahan na kami. Sabi ko, bahala atty sa inyo, may pinrmahan kayo na ito ang discounts, then babawiin nyo? Breahc of contract kaso nyo. Quiet sila sa phone...
Bye bye ayala, umiyak man sila dyan, yoko na.Tumawag pa sila rito long distance, kasi baka naman daw makuha kausap si Lolo.
Sabi ko, galit na si Lolo, ayaw na niya. then hindi raw makuha 20,000 namin kasi daw may napirmahan na kami. Sabi ko, bahala atty sa inyo, may pinrmahan kayo na ito ang discounts, then babawiin nyo? Breahc of contract kaso nyo. Quiet sila sa phone...
itong bank naman, sabi raw pag wala pondo at ipasok ang check, 100 pesos daw babayaran ko sa bounced check!eh 25 checks yon!
Nananaginip ng 2500 pesos(dugas) bank manager ko! !
left and right, grabeh ang bansa natin! Daig pa ang IRS!
Sabi ko via email, wala ka icharge na 100 pesos per check! aba, 2007 pa yong dates, kuha ka na ng 100 sa akin this month?, eh, may notice of cancellation na nga contract to sell ko sa ayala eh...
Lolo said, pag ganyan real estate business sa inyo, sa Cote D' azur ka na lang bili condo mo, euros pa upa.
Hmmm...
Nananaginip ng 2500 pesos(dugas) bank manager ko! !
left and right, grabeh ang bansa natin! Daig pa ang IRS!
Sabi ko via email, wala ka icharge na 100 pesos per check! aba, 2007 pa yong dates, kuha ka na ng 100 sa akin this month?, eh, may notice of cancellation na nga contract to sell ko sa ayala eh...
Lolo said, pag ganyan real estate business sa inyo, sa Cote D' azur ka na lang bili condo mo, euros pa upa.
Hmmm...
I remember when we boguht the clio, nagkamali rin ang seller ng presyo. 500 euros diference.
Pero binigay niya pa rin ang usapang price, kaya okey ang deal.
Kumita si seller, kahit konti, but babalik kami in case we need another car.
That is business kasi. Just a matter of trust and honesty.
Pero binigay niya pa rin ang usapang price, kaya okey ang deal.
Kumita si seller, kahit konti, but babalik kami in case we need another car.
That is business kasi. Just a matter of trust and honesty.
madame, i miss you but i'm updated with what's happenning. it's their loss not yours...they don't know what they're missing out from you. keep your plentiful euros for your next purchase...take care, mwah!
mortgage in pinas is never advisable. if pwede pa i-mortgage sa labas, yan advisable. ang problema kasi sa pinas sobrang taas ng inflation kaya interest rates taas rin [one of the highest kamo in the world, yata].
malaki ang 200k, dyan sila kumikita. BPI yan yata sa sariling banko ng Ayala, hehe.
malaki ang 200k, dyan sila kumikita. BPI yan yata sa sariling banko ng Ayala, hehe.
Tama ka dyan, Jori.
Pag naka pirma ka na sa mga buang na yan, you will not get any better.
Eto, they wrote me, hindi na raw marefund 20,000 ko.
Hehe.
Sabi ng isang agent ng ayala, pwede pa kasi wala pa 30 days, nag back out na ako.
I ll post more updates.
Pag naka pirma ka na sa mga buang na yan, you will not get any better.
Eto, they wrote me, hindi na raw marefund 20,000 ko.
Hehe.
Sabi ng isang agent ng ayala, pwede pa kasi wala pa 30 days, nag back out na ako.
I ll post more updates.
Kakatakot na mag-business sa Pinas. Ayala pa yan ah, pano pa kung baguhan sa business? Kaya tuloy walang foreigners na mag-invest eh.
Tsaka hindi ko gusto ang tono ng mga reply nila sa 'yo. Bistado na silang pinapaikot ang ulo mo e sila pa 'tong sounding inis!
Tsaka hindi ko gusto ang tono ng mga reply nila sa 'yo. Bistado na silang pinapaikot ang ulo mo e sila pa 'tong sounding inis!
Madame, Thanks for posting your experience with real estate buying in Pinas, I learned alot.
I hope you will soon get your money back and get them out of your hair. They wasted 3 days of your vacation and is wasting more of your time.
I hope you will soon get your money back and get them out of your hair. They wasted 3 days of your vacation and is wasting more of your time.
Naku, yong cherry hils namin, ilang taga mercurian nangutang sa bank? 39 employees, at 24 % interets, 20 years at 280,000 lang price noon. Aba, sa ten years pay, doble na binayaran namin.
Buti naguho, stop bayad. Talo noon psbank and SSS hehe. Kasi bayad na developer, mercurians naman bayad na lang sa bank
Buti naguho, stop bayad. Talo noon psbank and SSS hehe. Kasi bayad na developer, mercurians naman bayad na lang sa bank
When I learned that ganon kalaki tubo ng inhouse financing, ayaw ko na talaga maulit.
Ayala did this to us. Too greedy, dont you think?
Lahat ganon, basta inhouse real estate sa pinas.
Ayala did this to us. Too greedy, dont you think?
Lahat ganon, basta inhouse real estate sa pinas.
Letter of ayala:
Mam, I still remember the last time we talked that you have agreed with the official computation we have given you at Glorieta, the day you flew back to UK. You guys said, its ok. I must admit, I gave you a different computation and I failed to initially expound on each one. As humans we are bound to commit mistakes, and I thanked you for that. From there, you made a final decision that everything will be ok. And now, you decided to decline what has been offered and agreed.
Is there anything that I can still do to make amends?
It saddened me though, but if this is really what you want, I just have to accept that the service I thought I was able to share with you, is now being dismissed. I really can't do anything about it since it is your decision. Yes, I will ask the Sales Admin to retrieve your checks form the Deutch Bank - (our safekeeping bank), and once I have them , I will return them thru your lawyer.
With regards to the reservation fee, however, it is the policy of the company, that it is non-refundable. I believe Atty. Pulido is aware of this, before we arranged for the reservation, she asked us to FAX all the details of the documents that you are going to sign it. it states there that payment of reservation fee of Php 20,000.00. Is non-refundable. Should you have any questions please feel free to ask.
Mam, I still remember the last time we talked that you have agreed with the official computation we have given you at Glorieta, the day you flew back to UK. You guys said, its ok. I must admit, I gave you a different computation and I failed to initially expound on each one. As humans we are bound to commit mistakes, and I thanked you for that. From there, you made a final decision that everything will be ok. And now, you decided to decline what has been offered and agreed.
Is there anything that I can still do to make amends?
It saddened me though, but if this is really what you want, I just have to accept that the service I thought I was able to share with you, is now being dismissed. I really can't do anything about it since it is your decision. Yes, I will ask the Sales Admin to retrieve your checks form the Deutch Bank - (our safekeeping bank), and once I have them , I will return them thru your lawyer.
With regards to the reservation fee, however, it is the policy of the company, that it is non-refundable. I believe Atty. Pulido is aware of this, before we arranged for the reservation, she asked us to FAX all the details of the documents that you are going to sign it. it states there that payment of reservation fee of Php 20,000.00. Is non-refundable. Should you have any questions please feel free to ask.
Di pwede, kasi wala pa sa 30 days limit ang reseravtions ko.
Pwede pa i refund sabi sister ko na dating agent na ayala, nasa Uk na ngayon.
Pwede pa i refund sabi sister ko na dating agent na ayala, nasa Uk na ngayon.
Kaya nga dali dali ako nag fax and email sa kanila AUg 27 eh.
Updates ko kayo rito. Ingat sa pag bili ng property. May lawyer na kami, na duga pa.
Updates ko kayo rito. Ingat sa pag bili ng property. May lawyer na kami, na duga pa.
ngek, reservation fee non-refundable? hay naku, thanks for sharing your experience, that will serve as a lesson for all of us...anovayan!!
wala ako napirmahang non refundable ang resevation kaya aawayin sila ni Atty, hehe
btw, please take note of my new URL...tnx