The Pag-IBIG Fund, officially known as the Home Development Mutual Fund (HDMF), is a government-owned and controlled corporation established under Republic Act No. 9679. The Pag-IBIG Loyalty Card Plus serves as a primary identification document for members and a disbursement vehicle for short-term loans and dividends. In the event of loss, theft, or destruction, a specific administrative and legal procedure must be followed to secure a replacement.
I. The Necessity of an Affidavit of Loss
Under Philippine law, the first step in replacing a lost government-issued document is the execution of an Affidavit of Loss. This is a legal document where the affiant (the member) declares under oath the circumstances surrounding the loss.
- Content: The affidavit must state the member's full name, date of birth, and Pag-IBIG MID number. It must detail how the card was lost and affirm that the card is not being used for any fraudulent purpose.
- Notarization: To be legally binding, the document must be signed in the presence of a Notary Public. The member must present a valid government-issued ID to the notary to prove their identity.
II. Mandatory Requirements for Replacement
To initiate the replacement process at any Pag-IBIG branch with a card-printing facility, the member must prepare the following:
- Affidavit of Loss: One (1) original notarized copy.
- Pag-IBIG Loyalty Card Plus Application Form (HQP-PFF-108): This form is available at the branch or downloadable from the official Pag-IBIG website.
- One (1) Valid Government-Issued ID: To verify the identity of the applicant (e.g., Driver’s License, Passport, UMID, or PRC ID).
- Replacement Fee: A standard fee of PHP 125.00 is required to cover the cost of the new card and its integration with the partner bank (either UnionBank or AUB).
III. Procedural Steps for Replacement
Members are advised to follow this administrative flow to ensure the timely issuance of a replacement card:
| Step | Action | Description |
|---|---|---|
| 1 | Visit a Branch | Go to any Pag-IBIG Fund branch with Loyalty Card enrollment kiosks. |
| 2 | Verification | Submit the HQP-PFF-108 form and the Affidavit of Loss to the service officer for data verification. |
| 3 | Payment | Pay the PHP 125.00 replacement fee at the cashier. Keep the official receipt. |
| 4 | Biometrics | Proceed to the card-printing station for picture taking, digital signature, and fingerprint scanning. |
| 5 | Issuance | The card is typically printed on-site. The member must then activate the card at the partner bank's kiosk within the branch. |
IV. Legal Implications of Loss and Security
The Pag-IBIG Loyalty Card Plus functions as a debit card linked to a bank account. Therefore, the loss entails both administrative and financial risks.
- Immediate Reporting: Members are legally responsible for the transactions made using their card. While the Pag-IBIG Fund manages the membership data, the financial aspect is managed by the partner bank. Members should also contact the partner bank (UnionBank or AUB) to have the lost card's account "blocked" to prevent unauthorized withdrawals.
- Fraudulent Claims: Providing false information in an Affidavit of Loss to obtain a duplicate card while the original is still in the member's possession may constitute Perjury under Article 183 of the Revised Penal Code of the Philippines.
V. Special Considerations for Overseas Filipino Workers (OFWs)
For OFWs who lose their card while abroad, the Affidavit of Loss must be executed and notarized at the nearest Philippine Embassy or Consulate (Consularized). Alternatively, if the affidavit is notarized by a foreign notary, it may require an Apostille certification to be recognized by Philippine government agencies. Replacement generally requires personal appearance due to the biometric data capture (photograph and fingerprints) mandated by the Fund's security protocols.