This past three weeks Maritess mum has been in Hospital and when presented with the bill all the family clubbed together to pay it - ourselves included - but there was a shortfall of approx.p50,000 so one sister of Maritess went to get a loan.

It appears that these companies that give loans out are government owned and to borrow p50,000 they have to pay p2,500 per month for five years. That to me totals p150,000 -what a Rip off!

So what we've decided to do is pay the remaining p50,000 and her sister pay p833 a month into our PNB a/c.

I noticed that when we lived in Philippines, many, many people take out these loans for Hospital bills, Fiesta's, Phones and other Luxuries like Furniture and also expensive Weddings.

The Government must be making an absolute fortune so don't you think it should be pay back time and the Philippine Government get a Health service system in place so that the people can benefit and have a healthy lifestyle?