Nothing has been heard about Celso de los Angeles. It would seem that he has died, not of throat cancer, which everyone is a doubting Thomas, but of newsworthiness. Media has inexplicably stopped reporting of his status, as a patient and as a respondent. One is tempted to draw two conclusions: that Celso is now old news and not worthy of media coverage, and, he has paid off any or all newshounds who have attempted to follow up what is happening to him and his cases.
Except for the DOJ's announcement of finding probable cause for the filing of estafa against Celso and two of his minions, there has been no further news. And to think that several cases were lodged against him, not only by Senator Mar Roxas but by groups of victims of his preneed scams. What about the multitude of cases filed by the BSP and PDIC? Sad to say, nothing to report about.
Earlier, we mentioned that there may be two possible conclusions re the virtual dearth of news, but there is another reason. It has always been believed that Celso was backed by powerful personalities, very high up in politics. One is Speaker Nograles, who has admitted to investing or depositing about P20 million pesos in Legacy accounts. He also acknowledged that Celso is a partymate. The other personality is not a politician, but is the most powerful civilian in the Philippines. He can easily whisper "back off" to any government agency, and one can be sure that it would. And that would explain why the DOJ downgraded the syndicated estafa originally filed by Senator Roxas, to the watered-down case of simple estafa. Expect DOJ to do these to all the cases filed under it, and that would explain why it ordered all cases to be consolidated for filing in one court: the Makati RTC.
Remember the reason why the Legacy banks were able to continue operations inspite of BSP investigations and closure orders? TROs issued by the lower courts which enabled Celso to collect and embezzle an additional P1.4 billion in bank deposits. Do you expect the courts to pull the rug under Celso, and treat him like the criminal that he is? Your guess is as good as ours.
Showing posts with label Celso de los Angeles. Show all posts
Showing posts with label Celso de los Angeles. Show all posts
Monday, September 21, 2009
Friday, September 11, 2009
Hallelujah! Or is it too Early to Celebrate?
Por fin, after waiting for months, or to be exact, 8 months after the first filing of cases against Celso and his cohorts, the DOJ issued a resolution last Friday finding "probable cause" of estafa against Celso de los Angeles and two of his officers. If you think this is a cause of celebration, first read on and then decide whether you should upraise your hands in praise or clench them into fists of rage.
In the original case filed by Sen. Mar Roxas, the respondents were Celso and 19 board members and directors of the defunct Legacy Consolidated Plans Inc. However, only De los Angeles and his employees, Christine Limpin & Edgardo Marasigan were included in the DOJ resolution announced last week. Limpin was Legacy's SVP for legal, while Marasigan was the corporate secretary.
For reducing the case respondents to 3 from the original 20, the DOJ resolution is a watered-down version of the syndicated estafa case filed by the senator. A syndicated estafa is committed by a syndicate or at least 5 people and is a non-bailable offense. Since the DOJ resolution covers only 3 respondents, the case is effectively downgraded into a simple estafa, which is a bailable offense.
Remember the pledge of DOJ Secretary Agnes Devanadera? who upon assuming the mantle of leadership, that she would revitalize the department and work for the speedy disposition of cases, specifically mentioning among other, Celso and the legacy cases. Well, she followed up on her promise but as expected, bending backwards to accommodate the powerful perpetuators. Now, she can say that she is true to her word, but she is also true to her profession as a government official who protects the powerful at the expense of the hapless victims. Devanadera is the mirror image of Ombudsman Gutierrez, who if not sitting on high-profile cases, files cases that are lame and full-of-holes.
And they are women. Isn't justice depicted as a woman who holds scales? These two could have risen above personal loyalties and monetary incentives(?) to become women of substance. But the same thing could have been said of their boss who is a woman. Perhaps, Cory Aquino was who she was because she had a hero of a husband. So does this mean that the three other women in power now, have zeros for husbands?
In the original case filed by Sen. Mar Roxas, the respondents were Celso and 19 board members and directors of the defunct Legacy Consolidated Plans Inc. However, only De los Angeles and his employees, Christine Limpin & Edgardo Marasigan were included in the DOJ resolution announced last week. Limpin was Legacy's SVP for legal, while Marasigan was the corporate secretary.
For reducing the case respondents to 3 from the original 20, the DOJ resolution is a watered-down version of the syndicated estafa case filed by the senator. A syndicated estafa is committed by a syndicate or at least 5 people and is a non-bailable offense. Since the DOJ resolution covers only 3 respondents, the case is effectively downgraded into a simple estafa, which is a bailable offense.
Remember the pledge of DOJ Secretary Agnes Devanadera? who upon assuming the mantle of leadership, that she would revitalize the department and work for the speedy disposition of cases, specifically mentioning among other, Celso and the legacy cases. Well, she followed up on her promise but as expected, bending backwards to accommodate the powerful perpetuators. Now, she can say that she is true to her word, but she is also true to her profession as a government official who protects the powerful at the expense of the hapless victims. Devanadera is the mirror image of Ombudsman Gutierrez, who if not sitting on high-profile cases, files cases that are lame and full-of-holes.
And they are women. Isn't justice depicted as a woman who holds scales? These two could have risen above personal loyalties and monetary incentives(?) to become women of substance. But the same thing could have been said of their boss who is a woman. Perhaps, Cory Aquino was who she was because she had a hero of a husband. So does this mean that the three other women in power now, have zeros for husbands?
Sunday, August 23, 2009
Banality of Evil
While reading last month's Newsweek, we chanced upon an article that mentioned "the banality of evil," a phrase coined by Hannah Arendt who watched the trial in Israel of the infamous Nazi, Adolf Eichmann. In her book, she theorized that the great evils in history generally, and the Holocaust in particular, were not executed by fanatics or sociopaths but rather by ordinary people who accepted the premises of their state and therefore participated with the view that their actions were normal.
That is how one may explain the actions and deeds (misdeeds) of our leaders and officials in government who wantonly and brazenly cheat, lie, and steal. In a nation that prides itself as the only Catholic country in Southeast Asia, we are certainly one of the most corrupt, if not the most corrupt. The Political and Economic Risk Consultancy (PERC) survey in 2008 placed our country as the most corrupt, only to be displaced by Indonesia as no.1 in its 2009 survey. And the PERC surveys cover 14 Asian countries plus Australia.
No wonder then that individuals like Baladjay, Tibayan, Mateo, Hao and the most recent monster, Celso de los Angeles, thrive in a country like ours. The two million peso question: Would this scam artists have prospered without the blessings of powerful politicians and government officials? We would have to say that there was no way for Celso and his ilk to have flourished for years without the connivance of the powers-that-be. In Celso's case, SEC and BSP have been implicated. The conduct of evil is now so normal in our society that men have come to accept evil as not unusual; in fact, it seems that doing good is getting to be the exception to the rule of evil.
But if these shenanigans and criminal acts are done by Catholics, does this mean that they do not believe that what they are doing (have done) is against God? We are of the opinion that they know that it is a crime to lie, cheat, steal and scam, but simply find ways to justify it. And this miscreants believe that all they have to do is repent before they die, and they will be forgiven by God.
But what about the thousands and thousands of lives and families ruined by their acts and now have to live in poverty and misery? Eichmann was kidnapped by the Israelites so as to be tried for his crimes while he was alive: he was convicted and hanged in 1962. Sometimes, we wish that the NPAs and Abu Sayyafs would kidnap corrupt governments officials, politicians and criminals like Celso and Hao, and let pay them for their crimes as Eichmann did.
That is how one may explain the actions and deeds (misdeeds) of our leaders and officials in government who wantonly and brazenly cheat, lie, and steal. In a nation that prides itself as the only Catholic country in Southeast Asia, we are certainly one of the most corrupt, if not the most corrupt. The Political and Economic Risk Consultancy (PERC) survey in 2008 placed our country as the most corrupt, only to be displaced by Indonesia as no.1 in its 2009 survey. And the PERC surveys cover 14 Asian countries plus Australia.
No wonder then that individuals like Baladjay, Tibayan, Mateo, Hao and the most recent monster, Celso de los Angeles, thrive in a country like ours. The two million peso question: Would this scam artists have prospered without the blessings of powerful politicians and government officials? We would have to say that there was no way for Celso and his ilk to have flourished for years without the connivance of the powers-that-be. In Celso's case, SEC and BSP have been implicated. The conduct of evil is now so normal in our society that men have come to accept evil as not unusual; in fact, it seems that doing good is getting to be the exception to the rule of evil.
But if these shenanigans and criminal acts are done by Catholics, does this mean that they do not believe that what they are doing (have done) is against God? We are of the opinion that they know that it is a crime to lie, cheat, steal and scam, but simply find ways to justify it. And this miscreants believe that all they have to do is repent before they die, and they will be forgiven by God.
But what about the thousands and thousands of lives and families ruined by their acts and now have to live in poverty and misery? Eichmann was kidnapped by the Israelites so as to be tried for his crimes while he was alive: he was convicted and hanged in 1962. Sometimes, we wish that the NPAs and Abu Sayyafs would kidnap corrupt governments officials, politicians and criminals like Celso and Hao, and let pay them for their crimes as Eichmann did.
Sunday, July 12, 2009
Mayor Celso is back.
Have you heard that Celso de los Angeles has reported back for duty as mayor of his small town in Bicol? Yes, just last week, radio broadcasters were matter-of-factly relaying this development in the life of Philippines' counterpart of Madoff. But unlike the latter who in less than six months of his indictment was sentenced to 150 years of life imprisonment, Celso has not even appeared in court for a first hearing. Sure, BSP and PDIC have announced five or six cases of syndicated estafa and other violations against Celso but none have prospered beyond the initial filings.
Even ex-billionaire Stanford has already been indicted, less than a month after his arrest. If one recalls, Stanford disappeared and was in hiding for months before his arrest. Here, all Celso had to do was show up for a few moro-moro senate and congressional hearings, and then admit himself in St. Lukes hospital for a supposed biopsy and subsequent diagnosis of throat cancer. Why hide when one can lie in comfort in a 5-star room. The hospital is known as a refuge of criminals who want to escape the public eye and warrants of arrest, and everybody expected Celso to follow suit, and indeed he did. We talked with a top PDIC lawyer who has made it his cause to prosecute Celso, and he said that he could only say with 70% certainty that Celso actually has cancer. Either way, Celso got his wish and the villain has crept back out of the hole, and is worming himself back to politics. I would not be surprised if he continues on with his plan to run for governor of the province in May, 2010.
Justice in this country practically does not exist. How can it? We heard the admission of Sec. of Justice, Agnes Devenadera,that the DOJ has pending cases of over 11,000. And to become part of that backlog, one has to spend a fortune to file a case. Pre-need victims of Cebu have been unable to file a P190 million syndicated estafa suit against Celso because of the petitioners' failure to post 1.9 million pesos of filing fees, and because of this, Celso's lawyer has asked the court to dismiss the case. What a travesty of justice!
In the Philippines, the wheels of the gods grind exceeding slow, and that is all what happens, nothing after that.
Even ex-billionaire Stanford has already been indicted, less than a month after his arrest. If one recalls, Stanford disappeared and was in hiding for months before his arrest. Here, all Celso had to do was show up for a few moro-moro senate and congressional hearings, and then admit himself in St. Lukes hospital for a supposed biopsy and subsequent diagnosis of throat cancer. Why hide when one can lie in comfort in a 5-star room. The hospital is known as a refuge of criminals who want to escape the public eye and warrants of arrest, and everybody expected Celso to follow suit, and indeed he did. We talked with a top PDIC lawyer who has made it his cause to prosecute Celso, and he said that he could only say with 70% certainty that Celso actually has cancer. Either way, Celso got his wish and the villain has crept back out of the hole, and is worming himself back to politics. I would not be surprised if he continues on with his plan to run for governor of the province in May, 2010.
Justice in this country practically does not exist. How can it? We heard the admission of Sec. of Justice, Agnes Devenadera,that the DOJ has pending cases of over 11,000. And to become part of that backlog, one has to spend a fortune to file a case. Pre-need victims of Cebu have been unable to file a P190 million syndicated estafa suit against Celso because of the petitioners' failure to post 1.9 million pesos of filing fees, and because of this, Celso's lawyer has asked the court to dismiss the case. What a travesty of justice!
In the Philippines, the wheels of the gods grind exceeding slow, and that is all what happens, nothing after that.
Friday, May 22, 2009
DEADBOL (Depositors Enabling All Depositors of Banks of Legacy vs PDIC) had its first organizational meeting two days ago. Though only a handful of members showed up, it was expected since organizing a new group may seem simple, but is definitely difficult. Furthermore, many members live outside of Metro Manila. However, it was all worth it because we learned so many new things from one member.
She was a former marketing staff assigned in the legacy preneed office located along Quezon Ave. During the course of our discussion, she divulged the following:
a. Even up to December 8, 2009, all of the staff assigned in her office were advised that though other legacy companies would close, the rural banks would remain open. That CGA (pronounced siga), the company code of Celso G. de los Angeles, would fight to keep the banks open;
b. They were given separation pay, but in the form of CTDs from RBOP. It was Edwin of RBOP Ortigas who personally delivered those worthless CTDs late in the evening to their office where everybody was waiting. Even separation pays in the amount of P10,000 were given as bank certificates, which our member acknowledges as practically uncollectible from PDIC;
c. That many marketing officers and agents, like her, had invested a lot of money in the pnbb buyback plans;
d. That their office was raided by a joint team of NBI/SEC, as were the offices in Scout Borromeo, QC and World Center Bldg, Makati. However, she said that the Vernida 1V Condominium at 128 LP Leviste St., Salcedo Village, Makati City offices was not raided: she found this lapse very mysterious and illogical since all of the files and documents were moved there to the 6th floor. She said that truckloads of files were brought to the building which she knows is owned by CGA.
She also mentioned that in the first week of December, she was assigned to encode the engine nos. of motorcycles, the products of Legacy Motors. She asked her boss where the motorcycles were, since she had not seen them, and she was told that the motorcycles, more than a hundred in number, had already been delivered to Prospero Nograles, the Speaker.
Prosperous Nograles admitted that he still had a collectible investment of about P18 million in legacy. So did this amount include the value of the motorcycles in his possession? Was he just an investor or was he more than that?
And to top it off, she mentioned that every month, in the legacy office, she regularly saw a sealed envelope from Ponce Enrile Reyes & Manalastas Law Offices. We checked the office of this law firm, also known as PECABAR, and viola! its address is the 3rd floor, Vernida IV Bldg, the same office of Legacy where all the files are stored. And guess who is the senior partner of PECABAR? Of course, Senate President Juan Ponce Enrile. So many questions have been answered in this meeting.
She was a former marketing staff assigned in the legacy preneed office located along Quezon Ave. During the course of our discussion, she divulged the following:
a. Even up to December 8, 2009, all of the staff assigned in her office were advised that though other legacy companies would close, the rural banks would remain open. That CGA (pronounced siga), the company code of Celso G. de los Angeles, would fight to keep the banks open;
b. They were given separation pay, but in the form of CTDs from RBOP. It was Edwin of RBOP Ortigas who personally delivered those worthless CTDs late in the evening to their office where everybody was waiting. Even separation pays in the amount of P10,000 were given as bank certificates, which our member acknowledges as practically uncollectible from PDIC;
c. That many marketing officers and agents, like her, had invested a lot of money in the pnbb buyback plans;
d. That their office was raided by a joint team of NBI/SEC, as were the offices in Scout Borromeo, QC and World Center Bldg, Makati. However, she said that the Vernida 1V Condominium at 128 LP Leviste St., Salcedo Village, Makati City offices was not raided: she found this lapse very mysterious and illogical since all of the files and documents were moved there to the 6th floor. She said that truckloads of files were brought to the building which she knows is owned by CGA.
She also mentioned that in the first week of December, she was assigned to encode the engine nos. of motorcycles, the products of Legacy Motors. She asked her boss where the motorcycles were, since she had not seen them, and she was told that the motorcycles, more than a hundred in number, had already been delivered to Prospero Nograles, the Speaker.
Prosperous Nograles admitted that he still had a collectible investment of about P18 million in legacy. So did this amount include the value of the motorcycles in his possession? Was he just an investor or was he more than that?
And to top it off, she mentioned that every month, in the legacy office, she regularly saw a sealed envelope from Ponce Enrile Reyes & Manalastas Law Offices. We checked the office of this law firm, also known as PECABAR, and viola! its address is the 3rd floor, Vernida IV Bldg, the same office of Legacy where all the files are stored. And guess who is the senior partner of PECABAR? Of course, Senate President Juan Ponce Enrile. So many questions have been answered in this meeting.
Wednesday, April 29, 2009
The Legacy Bank Mess: An Expose of PDIC (Part 1)
The legacy mess created by Celso de los Angeles has once again rocked the already ailing preneed industry. The sudden closure last December, 2009 of Legacy Consolidated plans and its two affiliated preneed companies added an estimated 30,000 victims to the legion of planholders holding useless educational and pension plans. Although this development spelled more bad news for the floundering preneed industry, it was not unfamiliar to the public that had experienced years ago the closure of CAP, Pacific Plans, and several other companies in the business. If for anything, legacy plans had just delivered the final blow on a moribund industry.
What is insidious and potentially catastrophic is the deleterious effect of the collapse of the legacy banks on public confidence and faith in the banking system. Surprisingly, it is not Celso that is the villain in this unfolding scenario that is fraught with serious negative implications for the country's rural banking sector. The Philippine Deposit Insurance Corporation was established in 1963 with a single overriding mandate – to ensure public confidence in the banking industry. This is achieved by providing all depositors in all banks with an insurance coverage of P250,000; and second, by acting as the ‘receiver’ of failed or closed banks. Up until the closure of several legacy banks, PDIC has been faithfully fulfilling its current overall mandate “to provide depositor protection and strengthen public confidence in the banking system.” Hundreds of banks have closed and been declared insolvent since PDCI was created, but it had remained the faithful guardian and guarantor of the depositors’ money.
The PDIC Occasional Paper No. 1 2005 mentioned that “notwithstanding problems arising from the poor quality of record-keeping, PDIC’s continuing efforts at expeditious settlement of claims has paid off in terms of a shorter period of time for payouts. The average number of days to start payouts from date of closure has improved from 289 calendar days in 1993 to 41 calendar days in 2002, and single digit levels beginning 2003.” However, this progress is all set to be reversed and retrogress with the convoluted manner that PDIC is now conducting the filing, verification, processing and payout of legacy bank claims. It is twisting and bending its own policy, rules and regulations, and conjuring a new set of procedures that are tedious and time-consuming. Since the closure of the legacy banks before mid-December of 2008, PDIC President Jose Nograles defends its actions by explaining in numerous press releases that PDIC just wants to make sure that only “legitimate depositors” are paid because bank officials have not only lost banks records but created fictitious accounts. We understand the need for precautions but it seems that Nograles, reading his innumerable sound-and-print bites, would rather not pay the depositor who in good faith banked his hard-earned money than risk paying a fraudulent claim. As of now, almost 150 days since the closure of banks, only a miniscule percentage of depositors have been paid. None of the 100k accounts above, which account for about 75 percent of the total 135,000 accounts, have been paid. PDIC had previously adhered to the necessity of prompt payment of insured deposit claims, not only to maintain credibility and confidence in the deposit insurance system but just as important, to help eliminate possible contagion effects of closure. So why would PDIC, under the leadership of Jose Nograles, deliberately ruin its excellent track record of single digit days payout and run the real risk of eroding public confidence? The answer is both political and financial but before we delve into the dark motives of powerful men and hidden interests of big commercial institutions, we first need to expose the myths and propaganda that PDIC is peddling to the general public.
What is insidious and potentially catastrophic is the deleterious effect of the collapse of the legacy banks on public confidence and faith in the banking system. Surprisingly, it is not Celso that is the villain in this unfolding scenario that is fraught with serious negative implications for the country's rural banking sector. The Philippine Deposit Insurance Corporation was established in 1963 with a single overriding mandate – to ensure public confidence in the banking industry. This is achieved by providing all depositors in all banks with an insurance coverage of P250,000; and second, by acting as the ‘receiver’ of failed or closed banks. Up until the closure of several legacy banks, PDIC has been faithfully fulfilling its current overall mandate “to provide depositor protection and strengthen public confidence in the banking system.” Hundreds of banks have closed and been declared insolvent since PDCI was created, but it had remained the faithful guardian and guarantor of the depositors’ money.
The PDIC Occasional Paper No. 1 2005 mentioned that “notwithstanding problems arising from the poor quality of record-keeping, PDIC’s continuing efforts at expeditious settlement of claims has paid off in terms of a shorter period of time for payouts. The average number of days to start payouts from date of closure has improved from 289 calendar days in 1993 to 41 calendar days in 2002, and single digit levels beginning 2003.” However, this progress is all set to be reversed and retrogress with the convoluted manner that PDIC is now conducting the filing, verification, processing and payout of legacy bank claims. It is twisting and bending its own policy, rules and regulations, and conjuring a new set of procedures that are tedious and time-consuming. Since the closure of the legacy banks before mid-December of 2008, PDIC President Jose Nograles defends its actions by explaining in numerous press releases that PDIC just wants to make sure that only “legitimate depositors” are paid because bank officials have not only lost banks records but created fictitious accounts. We understand the need for precautions but it seems that Nograles, reading his innumerable sound-and-print bites, would rather not pay the depositor who in good faith banked his hard-earned money than risk paying a fraudulent claim. As of now, almost 150 days since the closure of banks, only a miniscule percentage of depositors have been paid. None of the 100k accounts above, which account for about 75 percent of the total 135,000 accounts, have been paid. PDIC had previously adhered to the necessity of prompt payment of insured deposit claims, not only to maintain credibility and confidence in the deposit insurance system but just as important, to help eliminate possible contagion effects of closure. So why would PDIC, under the leadership of Jose Nograles, deliberately ruin its excellent track record of single digit days payout and run the real risk of eroding public confidence? The answer is both political and financial but before we delve into the dark motives of powerful men and hidden interests of big commercial institutions, we first need to expose the myths and propaganda that PDIC is peddling to the general public.
Tuesday, April 28, 2009
Another legacy from Celso
Been absent for quite a while, not just because I am preoccupied with a lot of things- foremost is the preparation and filing of claims with PDIC- but simply because nothing really new has been happening regarding Celso de los angeles. Sure, there are a lot of cases being filed in court against him but that is to be expected considering the nature of his crimes. BSP started it or was it initiated by angry investors in his preneed buyback plans? then PDIC got into the swing of things by filing two cases against him for syndicated estafa. I even read that SEC also filed a case against this criminal mastermind. Of course, here in the Philippines there is a wide gulf between filing cases and actually getting the respondent found guilty.
However, this legacy imbroglio has spawned another crime and celso is mentioned not because he is the perpetrator but because his misdeeds have created another monster. PDIC is now emerging as the criminal, led by its mastermind, its president who goes by the name of Jose Nograles. If his name sounds familiar, it is- he is the brother of Speaker Prospero Nograles. What is his crime? that will be the topic of our forthcoming blogs.
However, this legacy imbroglio has spawned another crime and celso is mentioned not because he is the perpetrator but because his misdeeds have created another monster. PDIC is now emerging as the criminal, led by its mastermind, its president who goes by the name of Jose Nograles. If his name sounds familiar, it is- he is the brother of Speaker Prospero Nograles. What is his crime? that will be the topic of our forthcoming blogs.
Wednesday, March 11, 2009
Expedition: lost and now found
The return of the Ford expedition right at the front of PDIC was a calculated strategy. Celso planned it in such a way that it would be traced back to him. Never mind if he swore under oath in the senate hearing that he had a lot of expeditions but did not have one owned by one of his rural banks. He'd rather be called a liar in order to cover up his dear friend and protector, SEC commissioner Martinez. I really suspect that the expedition was used by Martinez or by his wife or by his son but when things got hot, Martinez asked Celso to arrange it in such a way that it could not be traced back to the Martinezes. There is no other explanation why a criminal mastermind would allow himself to get easily caught returning the "hot" vehicle. Of course, anyone parking a car in front of a government building at an unholy hour would attract interest from security guards patrolling the perimeter. I just pity the hapless driver of Celso who was ordered to park the car, and knowing Celso, he would be paying his driver minimum wages even after going through detention and grilling by PDIC authorities.
This incident serves only to prove that Celso and Commissioner Martinez are thick as thieves!!!
This incident serves only to prove that Celso and Commissioner Martinez are thick as thieves!!!
Thursday, February 19, 2009
The face of a criminal genius
Ano kaya ang nasa isip ni Celso when this picture was taken? He was in the House of Representa"thieves" and therefore was at ease among his species. Nothing to worry about since he has so many friends in congress, foremost among them is allegedly the Speaker of the House. Oh! I forgot, may mga congressmen pala na nakainvest daw ng millions sa preneed buyback plan at galit kay Celso at sa Speaker kasi hindi nababawi pa ang pera nila. And they know that the Speaker's millions have been returned by Celso. So therefore parang alert and wary ang expression ni Celso sa picture na ito.
Ito ba ang mukha na pagkakatiwalaan at paniniwalaan mo sa mga sinasabi niya? that he will find a way to return the principal to the preneed investors who are owed billions, not counting the double your money in interest income? Eh kung ang binigay niyang jewelry kay Regine ay binawi niya, ano pa kaya ang perang nasa kamay na niya?
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