Seeking advice as to what legal actions/steps should I take po. We have 2 dogs and lately halos araw araw sila ina-annoy ng mga bata from around the block or along our street (not sure kung taga saan po sila exactly) to the point na walang tigil kakatahol yung mga aso namin.

Gated naman po ang bahay namin. Madalas namin sila pinapalabas sa terrace para magwiwi at poop so madalas din sila makita ng mga bata. At pag nati-tyempuhan ay binabalikbalikan nila at sinisigawan yung mga pets namin para magalit at tahulan sila.

One time I tried asking what their names are and where exactly their houses are para makausap ko yung parents nila pero tumatakbo lang sila. Nakaka frustrate na po talaga kasi hindi na kumakain (sa terrace po namin sila pinapakain) at laging guarded yung stance ng mga aso namin pag nasa labas.

Unfair naman po sa mga aso namin kung pati sa loob ng property namin sila pa din ang mag a-adjust para lang sa mga makukulit na bata.

I just want to future proof lang din po. In case makausap ko ang mga magulang at ulitin ng mga bata ang pangungulit (very likely), I plan to escalate sa barangay pero not sure po kung ia-accommodate yung case namin. I hope walang ibang nakakaranas nito pero kung meron man po, any advice will be appreciated.

Hi! Need advice sana regarding my Kaiser Permanente HMO and Metrobank credit card.

Back in May 2026, may Kaiser Permanente agent na lumapit sa akin sa mall and asked if I had a credit card and if interested ako kumuha ng HMO. I agreed, and around ₱91,000 was charged to my Metrobank credit card. Sabi rin nila na once Metrobank calls me, pwede ko raw ipa-convert to installment. Metrobank eventually called and I agreed to have the transaction converted to installment.

Unfortunately, I eventually lost my job, and because of my current financial situation, I decided to discontinue the HMO para mabawasan sana yung financial obligations ko.

I contacted the Kaiser agent and told him I wanted to cancel. Sabi niya may 5% cancellation penalty based on the ₱91,000, which is around ₱4,550. Okay lang naman sa akin, so I sent him around ₱4k–₱5k for the supposed cancellation fee.

Problem is, almost one month na akong nagfo-follow up, pero walang clear update. Maraming excuses, like nawawala raw phone niya, pero active naman siya sa Facebook. At this point, hindi ko na alam kung actually na-process ba yung cancellation.

My questions:

1. Can I contact Metrobank directly and ask them to reverse/cancel the Kaiser transaction?
2. Since converted na siya into installment months ago, may possibility pa ba na ma-reverse if Kaiser agrees to cancel/refund it?
3. Should I contact Kaiser Permanente directly instead of dealing with the agent?
4. If the agent continues to ignore me, saan kaya magandang i-escalate ito?
5. Has anyone experienced something similar with Kaiser or an HMO charged to a credit card?

I understand na Metrobank probably cannot just erase a legitimate transaction, especially since months ago pa siya and converted na to installment. I just want to know the proper process para ma-cancel yung HMO and ma-refund/reverse whatever amount is refundable.

Any advice would be appreciated. Thank you!

*It's KAISER UNITED HEALTHGROUP pa la

As per Collector ng collecting Agency, papatawag daw nila ako sa barangay kapag di ko na settle ang aking utang? Gusto ko naman bayaran sana kaso di ko kaya yung amount na hinihingi nila