Rafaela compró TODO a MESES SIN INTERESES y ahora el BANCO no la deja en paz — Transcript

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1. 0:00I told your mom I can't wait for her, so
2. 0:02your party isn't happening.
3. 0:04>> The party is the least of it, I just
4. 0:05want my mom not to go into more debt;
5. 0:07please return the money she gave you.
6. 0:09>> I’m not giving back a single cent.
7. 0:11>> But you just said there’s no contract.
8. 0:15>> But I already had to make many expenses
9. 0:17, pay deposits, and pay suppliers, and
10. 0:20the penalty fee just barely covers the
11. 0:22money your mom gave me.
12. 0:24>> That’s unfair, you’re keeping money for
13. 0:26a party that isn't happening, I’m going
14. 0:28to report you.
15. 0:30>> Well, I don't know who you're going to
16. 0:31report me to or if you’ll sue me, but
17. 0:32I’m not returning a single cent, do what
18. 0:34you want.
19. 0:36>> And after this delicious Christmas
20. 0:38dinner, it’s time for the gift exchange
21. 0:40.
22. 0:41>> What a cool gift!
23. 0:44>> Here, Omar, they told me at the store
24. 0:45that this video game is all the rage
25. 0:47with kids.
26. 0:48>> Wow, Mom, thanks!
27. 0:51>> And this laptop is for Elisa.
28. 0:58>> Thanks, Mom!
29. 0:59>> Hey, but...
30. 1:01>> plasma TV is for you, Mom.
31. 1:06>> So you can watch your soap operas
32. 1:07properly, Mom.
33. 1:08>> Oh, thank you, Rafaela.
34. 1:12Everything is very nice, but your
35. 1:13situation isn’t one where you should be
36. 1:15buying such expensive gifts.
37. 1:17>> Oh, well, the bank approved a credit
38. 1:20card for me with a very good limit, huh
39. 1:22? And what better way to use it than by
40. 1:24treating my family? Besides, I bought
41. 1:26everything interest-free.
42. 1:28>> Well, yes, Mom, but you’ll still have to
43. 1:30pay for everything.
44. 1:31>> But that’s what credit is for, to pay in
45. 1:32comfortable monthly installments that
46. 1:34you don't even notice.
47. 1:35What I do feel is the joy of spoiling
48. 1:38you all, my family.
49. 1:41>> You’re right, honey.
50. 1:43You are making a great effort to give us
51. 1:45a good life, and we appreciate it very
52. 1:47much.
53. 1:48>> Mom.
54. 1:50Oh.
55. 1:51The first credit card statement arrived
56. 1:54.
57. 1:56Hmm.
58. 2:03>> But this is a fortune.
59. 2:05>> Hey, dinner is ready.
60. 2:07>> Yes, yes, I’m coming.
61. 2:09>> Is something wrong, Rafaela?
62. 2:11>> The credit card statement arrived and
63. 2:14it’s a lot.
64. 2:15>> But you’ve never bought everything
65. 2:17interest-free before, daughter.
66. 2:19>> Well, yes, but with the idea that they
67. 2:20would be small payments, I kept swiping
68. 2:22the card; I didn't do the math right,
69. 2:23Mom.
70. 2:25And the monthly payment for everything
71. 2:27is super high.
72. 2:29>> Oh, dear.
73. 2:31It’s much more than you earn at your job
74. 2:32.
75. 2:33>> I know, and we're right in the middle of
76. 2:35the January slump; I don't know how I'm
77. 2:37going to pay, Mom.
78. 2:39The attorney.
79. 2:40>> Come in.
80. 2:44>> Oh, I need to ask you for a loan.
81. 2:46Look, I had a lot of expenses in
82. 2:48December; I need the office to lend me
83. 2:49some money to get through them.
84. 2:51>> Rafaela, it's January, and the situation
85. 2:53is very complicated.
86. 2:54>> I know, sir. Really, believe me, I'm
87. 2:57very embarrassed to come and ask you,
88. 2:58but if I don't pay what I owe, they'll
89. 3:00charge me interest and it'll be worse.
90. 3:02>> Getting into debt with interest-free
91. 3:04monthly payments is a vicious circle
92. 3:05that seems harmless, but from which you
93. 3:07never escape if you don't have the full
94. 3:09amount.
95. 3:09>> That's why I'm here to request the loan
96. 3:11, to fully settle my monthly payment and
97. 3:13get through the January slump.
98. 3:15>> All right.
99. 3:16We'll submit the application and give
100. 3:17you an answer in a week, does that sound
101. 3:19okay?
102. 3:19>> Oh, thank you so much.
103. 3:25No, no, no, I'm not going to make it,
104. 3:26Mom, I'm not going to make it.
105. 3:27>> Oh, if you want, I can lend you my
106. 3:29pension so you can make it work.
107. 3:31>> Oh, Mom, we're using your pension to
108. 3:33help cover food; thank you, Mom.
109. 3:36>> Oh, honey, I wish I could help you more
110. 3:37, but...
111. 3:39>> I hope they approve my credit request at
112. 3:41work.
113. 3:43>> Oh, for heaven's sake, another loan?
114. 3:47>> Just keep in mind, I'm reminding you
115. 3:49that you haven't paid the deposit for
116. 3:50your daughter's party package.
117. 3:53>> Uh, yes.
118. 3:54Uh, look, the thing is, it's been
119. 3:55because of the January slump, right? But
120. 3:56I'm going to pay half of what the
121. 3:58package costs on time.
122. 4:00>> Oh, I know, I know, ma'am, but look, I
123. 4:02hope so, because I wouldn't like to be
124. 4:04unable to hold the date for you and have
125. 4:06your daughter end up without her 15th
126. 4:08birthday party.
127. 4:11That would be a shame, wouldn't it?
128. 4:14Yes.
129. 4:16It's her 15th.
130. 4:19>> Yes, yes, I'm a day late, but I'm going
131. 4:21to pay it as soon as possible.
132. 4:24>> A late payment fee will be applied to
133. 4:26your account.
134. 4:27>> Yes, I know they're going to charge me
135. 4:28interest.
136. 4:29>> The interest is separate, ma'am.
137. 4:31The late payment is a penalty for breach
138. 4:33of contract that also generates more
139. 4:35interest.
140. 4:37>> I mean, how? Are you charging me for the
141. 4:40delay? Why are you going to charge me
142. 4:42interest on that?
143. 4:43>> Those are the bank's policies, and every
144. 4:45day that passes without you paying, the
145. 4:47interest rate will increase.
146. 4:55>> I'll take out another loan.
147. 4:56>> That's not possible, Rafaela. We just
148. 4:58approved one for you.
149. 4:59>> It's for my children's enrollment; if I
150. 5:01don't pay, they'll be left without a
151. 5:02school.
152. 5:03>> I'll see what I can do, but I must warn
153. 5:05you that the answer will take time.
154. 5:07>> Oh, it doesn't matter, do whatever you
155. 5:09have to do, sir. It’s just that I
156. 5:11urgently need cash so my children can
157. 5:12keep studying.
158. 5:13>> Very well.
159. 5:15>> Here is the receipt for Omar's
160. 5:16enrollment payment.
161. 5:18>> And Elisa's enrollment, ma'am?
162. 5:20>> Well, the thing is, I didn't have enough
163. 5:22.
164. 5:23I was able to finish Omar's enrollment,
165. 5:25which was a bit cheaper, and I wanted to
166. 5:27ask for an extension to save up for
167. 5:29Elisa's.
168. 5:30>> No, ma'am, the school's rules are very
169. 5:32clear. If you don't pay the enrollment
170. 5:34in February, Elisa won't be allowed to
171. 5:36attend class, okay?
172. 5:37>> Oh, please, please, I beg you to give me
173. 5:39a few more days, okay? The thing is, I'm
174. 5:42saving up, I'm paying off my credit card
175. 5:44. Since I bought a few things, you know
176. 5:47, on interest-free monthly payments.
177. 5:49>> No, I'm very sorry, ma'am, but I repeat
178. 5:51, if you don't pay for the girl's
179. 5:53enrollment in February, Elisa will be
180. 5:54left without a school.
181. 6:01>> Make your new monthly payment so we can
182. 6:03unfreeze your card.
183. 6:06>> Yes, goodbye.
184. 6:09>> They seem to be calling all the time
185. 6:11just to stress me out, honey.
186. 6:14>> And now it turns out I owe more, that
187. 6:16the money I paid didn't cover the
188. 6:17interest, and since I withdrew cash,
189. 6:19they charged me more fees and more
190. 6:20interest.
191. 6:23>> They really do abuse people's needs.
192. 6:26>> Where am I going to get the money to pay
193. 6:28, Mom? Where?
194. 6:32Hello?
195. 6:34Yes, yes, this is Mrs. Beltrán speaking
196. 6:35.
197. 6:36>> We are reviewing your account.
198. 6:40>> And we see that you did not make the
199. 6:41required payment, ma'am.
200. 6:44>> Excuse me, look, I had some problems and
201. 6:46I just couldn't.
202. 6:48>> Well, make your payment tomorrow before
203. 6:50the interest doubles your debt.
204. 6:53>> Look, just today I was talking to a bank
205. 6:55executive and I told her I don't have
206. 6:57the money.
207. 6:58>> If you don't make your payment, we will
208. 7:00report you to the credit bureau and you
209. 7:03won't get credit anywhere else, okay?
210. 7:06>> Yes, yes, yes, please wait for me. Look
211. 7:08, I I will get the money together, okay
212. 7:10?
213. 7:10>> Oh, we can't wait any longer, okay? Two
214. 7:12months have already passed.
215. 7:14And you haven't covered your debt.
216. 7:17>> Oh, pay and save us the trouble of
217. 7:20having to seize your belongings.
218. 7:23>> Look, I am going to pay, I already told
219. 7:25you I will pay, but please leave me
220. 7:26alone.
221. 7:30>> I already told your mom I can't wait for
222. 7:32her, so your party is not happening.
223. 7:34>> The party is the least of it, I just
224. 7:35don't want my mom getting more into debt
225. 7:37, please return the money she gave you.
226. 7:39>> I am not returning a single cent to her
227. 7:41.
228. 7:41>> But you just said there is no contract.
229. 7:45>> But I already had to make many expenses
230. 7:47, I had to give deposits, I had to pay
231. 7:49the suppliers, and that just barely
232. 7:50covers the penalty fee with the money
233. 7:52your mom gave me.
234. 7:54>> It’s just unfair, you are keeping money
235. 7:56for a party that isn't happening. I am
236. 7:58going to report you.
237. 7:59>> Well, I don't know who you are going to
238. 8:01report me to or if you are going to sue
239. 8:02me, but I am not giving back a single
240. 8:04cent, do whatever you want.
241. 8:08>> Hello?
242. 8:09>> Ma’am, we are calling from the bank to
243. 8:11remind you that you have to pay us.
244. 8:14>> And what do you want me to do? How do
245. 8:16you expect me to do it? I don’t even
246. 8:17have money to celebrate my daughter's
247. 8:1915th birthday.
248. 8:20>> Oh, ma'am, don't force us to take
249. 8:23drastic measures. We don't want to harm
250. 8:26you.
251. 8:27The bank already fulfilled its part by
252. 8:28giving you credit. Now you fulfill your
253. 8:30part by paying it back.
254. 8:53>> I am looking for Mrs. Rafaela Beltrán. I
255. 8:56am attorney Federico Ortiz. I am here to
256. 8:59talk to her about the debt she has with
257. 9:00the bank.
258. 9:01>> I am Rafaela.
259. 9:02>> The bank transferred your account to the
260. 9:04firm I represent, so I will be handling
261. 9:06your case.
262. 9:07>> Yes, look, counselor, I’ll tell you what
263. 9:09I repeat to the bank operators every
264. 9:11time they call, that I am going to pay.
265. 9:13>> Of course you are going to pay.
266. 9:15Hm? One way or another, with your
267. 9:16belongings or with money, but you will
268. 9:18pay.
269. 9:19>> What do you mean?
270. 9:20>> That either you pay or I seize your
271. 9:22house.
272. 9:23That is what I mean.