{"topic":"pawnshop_overcharge","label":"Pawnshop & Remittance Overcharge","script_60s":"[0:00] HOOK — 'FX gaps and appraisal disparities are documentable.'\n[0:05] You've seen the ads. You've signed the contract. Pero alam mo ba ang totoo?\n[0:12] Pawnshops are BSP-supervised since 2018. (BSP Circular 938 (2017); RA 11765 (2022).)\n[0:25] Bago mo i-sangla, pakopya ng total fees + interest. Yan ang totoong cost.\n[0:35] Pawnshops must give a pawn ticket with all material terms.\n[0:45] May libreng tools sa labanph.org. Free letter builder. Free filing guide.\n[0:55] May reklamo ka? File mo. Hindi ka nag-iisa.\n[1:00] CTA: labanph.org — boses ng kumakayod.","script_30s":"[0:00] HOOK — FX gaps and appraisal disparities are documentable.\n[0:05] Pawnshops ay regulated ng BSP. Pwede mo silang i-reklamo sa BSP.\n[0:12] Service charges + interest must be disclosed before pawning.\n[0:20] Free tools sa labanph.org. Walang bayad para mag-file.\n[0:28] CTA: tag mo si labanph kapag may reklamo ka.","caption":"Pawnshop & Remittance Overcharge — FX gaps and appraisal disparities are documentable.\n\nSide-by-side comparisons reveal pawnshop and remittance overcharges across OFW corridors and city branches.\n\nTop 3 facts you should know:\n1. Pawnshops are BSP-supervised since 2018.\n2. Service charges + interest must be disclosed before pawning.\n3. Pawnshops must give a pawn ticket with all material terms.\n\nFree filing tools: labanph.org\nDM @labanph for help with your case.","hashtags":["#LabanPH","#ConsumerRightsPH","#Pawnshopovercharge","#KonsyumerLaban","#PinoyAdvocacy"],"b_roll":["Phone screen showing pawnshop & remittance overcharge contract / app permissions screen.","Hands signing a paper contract (close-up).","labanph.org homepage scroll on mobile (call-to-action shot)."],"music_advice":"Use a royalty-free Tagalog spoken-word or instrumental track at -14 LUFS for TikTok/Reels.","fact_check_url":"https://labanph.org/cases"}