credit card scam victim

Good day. I just want to seek advice re my credit card. First and foremost, this credit card was not applied by me. Bigla na lang pong dumating ito sa office namin last week of December 2010. Thinking na baka magamit pa po ng ibang tao ung card, tinago ko na lang po. Biglang may tumawag sakin last January 2011 saying na dahil good credit standing daw po ako entitled ako sa VIP card nila. This VIP Card is from this so called Guidelink Corp. Mabilis magsalita ung nakausap ko magaling manloko, dahil nasa office ako at busy sa work naloko po nila ako. Nakuha sakin ang details ng new credit card ko at ang sabi wala naman daw pong bayad ung VIP card nila unless gamitin ko na for discount transaction kaya umoo po ako. Ang kaso after ko mareceive ung VIP card na un, nalaman kong nagcharge na pala un sa credit card ko kahit di ko pa naswipe kahit minsan. Pinapacancel ko ung transaction kaso sabi po hindi na daw pwede. Nabasa ko sa internet na madami na palang victim ng ganitong scam between the bank and VIP card company. To cut this long story short, pinabayaan ko na po ung utang sa credit card ko with a clean conscience na wala naman po talaga akong utang dahil di ko naman nagamit ung card bakit ko sila babayaran. Laging may tumatawag sakin na taga bank pinipilit nila akong magbayad pero pag binabalik ko sa kanila ung tanong kung san nila nakuha ung credentials ko para issuehan nila ng credit card wala po silang maisagot. Until last week may tumawag sakin na may kaso na nga daw po ako sa bank at papangit daw po ang record ko sa NBI,DFA and other govt agencies pa pag di ako nakipagsettle sa kanila. Pinipilit nila akong magbayad or kung wala daw po talaga akong utang magsubmit daw po ng Affidavit of Explanation. Ang tanong ko po di kaya lalo nila akong pilitin magbayad pag nagsubmit ako sa kanila ng any document? May laban po ba ako dito in case kasuhan nga talaga nila ako kahit di naman ako nag apply ng credit card sa kanila?

I hope matulungan nyo po ako Atty, I'm really confused kung anong gagawin ko sa problem na ito. Thanks in advance.

Dalhin mu diretso sa NBI ang credit card mu at dun mu explain sila Lang ang maka confront sa kanila sa scam nila. At ma track nila ang validity ng transactions.

Good day!!!
I would like to seek advice. Last Saturday July 14, 2012 I received a demand letter from a law firm asking me to pay 50K for a credit card, but said if I pay with 4 days upon receipt of the demand letter I will only pay half of it, parang generous act pa nila. I can recall having a credit card in that Bank for more than a decade aalready, its been I think 12 years ago, which is one of the reasons why I worked abroad to pay all my debts and start a new life when I came back to Philippines I have no debts to any bank, nor keeping a credit card since then coz I learned a lesson to live within your means. Last year, I had a house renovation so I have to throw unnecessary furniture and fixture and appliances plus documents including receipts. But last Saturday, I got really surprised receiving a demand letter which I never had for 12 years....please advice if this is a scam, what should I do! How can I contest that I am really paid if I cant no longer show my proof of payment!

Scam yan! Verify mu sa NBI. Makakakuha ka pa rin ng records sa bank mu Kahit 12 years na.