Another SSS Salary Loan Problem

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I went to an SSS branch near my home to pay my monthly contribution and salary loan. I also was determined to finally shed light on another loan conundrum. I had a payment posting problem which I wrote about here. 

Here was my salary loan problem (please bear with me): Last 2009, I had my first salary loan and it was fully paid in 2011. I have a printout of the Statement of Account from the SSS website showing that I have 0 balance in the salary loan. Since I have no more loan to pay, I applied for another salary loan in 2011 which I'm still paying today. When I checked the SSS website a few weeks ago, behold, my 2009 salary loan still had a pending due of about P10.33 and yesterday, P10.38. What's up with that?

I waited in line for the SSS' "Public Assistance" to know how I can finally close the 2009 loan and be assured that this doesn't happen again in the future. The personnel was curious as to why it happened. She checked my printout, computed the total, saw that the salary loan was indeed fully paid, and wondered why I still had a balance. She advised me to just pay P11 and write in the loan payment form: FULL PAYMENT and the date of the salary loan which was June 16, 2009. She told me that she would call her contact at the Main branch in Diliman about this. I hope she does.

Since there were many payers today, I waited 2 hours (!) to pay P11. When it was my turn to pay, the cashier was surprised that I was even asked to pay that small amount. She asked me if I'm never getting a loan again. Maybe she thought that loan paying is like paying for a credit card wherein the previous debts are paid first before recent debts. Sadly, it is not.

The problem with the SSS system regarding salary loans is that if you have a balance in your previous loan, it remains there in your record, accumulating penalty and interest charges. And, surprisingly, in my case, I didn't have a loan balance, but magically, it incurs charges. If you don't have an online access, you would never know about the status of your loans. If you're paying for a current loan, the system doesn't credit your payment to the previous loan. You would think, or so I thought for this matter, that since I have a second salary loan, my first loan was already closed.

I'll be checking my SSS records online regularly and see if my "full payment" for the 2009 loan was posted and the loan would be hopefully, finally closed once and for all.