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#101 X0X0

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Posted 10 November 2016 - 10:08 AM

apologies that i just dissed your friend, without being constructive

 

my advice.. do a loan restructuring.

 

every filipino is crazed with smartphones.. pawn his cellphone.. pay the LR. you will get a much better interest rates from pawnshops. if he defaults the pawn.. they will not pursue him legally



#102 99PercentCaffeine

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Posted 11 November 2016 - 01:34 AM

apologies that i just dissed your friend, without being constructive

 

my advice.. do a loan restructuring.

 

every filipino is crazed with smartphones.. pawn his cellphone.. pay the LR. you will get a much better interest rates from pawnshops. if he defaults the pawn.. they will not pursue him legally

 

Thanks for your input.  I ended up loaning him the cash so he can pay off the debt, under the condition that he will NEVER again entertain the idea of borrowing from loan sharks.  It is financial suicide.


if he cannot pay, then don't pay. parang wala namang PDC involved. if a case is filed against him, it would only be a civil case of sum of money. walang kulong. 

let the lending institution bring him to court.

pag nasa court na, question in front of the judge the excessive interest rates. papagalitan pa ni judge yan. the supreme court ruled anything that is more than 2% per month as usurious. 

 

however, check the fine print ng loan agreement. baka meron dun na pwedeng batakin ng lending institution mga gamit nya pag di sya nakabayad without going to court. kung wala, take my above advice. 

 

note. it is not estafa. for estafa has the initial intent to deceive. the lending institution should prove that since they are the plaintiff. but for me, its only a civil case for sum of money, which is the worst thing the lending institution can do. 

 

and mind you. gagastos pa si lending institution dyan ha? filing fees, attorney's fees, etc. 

 

Thank you for your advice.  He's paid up now.  I told him to explore any other means to secure a loan next time.  



#103 maduro

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Posted 12 November 2016 - 09:46 AM

hirap maka utang. dapat good credit kamuna

#104 TheRedHood

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Posted 22 December 2016 - 01:59 PM

isa sa mga dapat iwasan ang pangungutang pero madalas hindi natin magawa



#105 p4tr1ck

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Posted 09 January 2017 - 08:45 AM

Anu ang po ba ang pwedeng gawing sa kaibgang umutang ng malaking halaga ng pera tpos hindi nagbayad at bigla nalang nawala.. Yung utang ay verbal lang..walang kasulatan..any advise po

#106 Google

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Posted 13 January 2017 - 04:55 PM

Anu ang po ba ang pwedeng gawing sa kaibgang umutang ng malaking halaga ng pera tpos hindi nagbayad at bigla nalang nawala.. Yung utang ay verbal lang..walang kasulatan..any advise po

 

wala. how can you prove na may utang sya sa iyo? in a court case, you have to present proof. 

charge it to experience. 



#107 cooldad

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Posted 07 August 2017 - 02:54 PM

been thinking of going to small case claim in qc



#108 dickinson

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Posted 08 August 2017 - 01:05 AM

Yung friend ko may utang sa mga banko. PDC's mode of payment nya. last yr ngshort so hnd nabayaran mga un. nagkron ng late fees. nagask xa ng restructuring pero ayaw ng mga collecting firms so hnd pa rin sila mabayaran. nsa 400k ung loan nya in total on different banks. makakasuhan b xa d2 or gigipitin lng muna siya into paying them?

Edited by dickinson, 08 August 2017 - 01:06 AM.


#109 rocco69

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Posted 16 August 2017 - 07:02 PM

Yung friend ko may utang sa mga banko. PDC's mode of payment nya. last yr ngshort so hnd nabayaran mga un. nagkron ng late fees. nagask xa ng restructuring pero ayaw ng mga collecting firms so hnd pa rin sila mabayaran. nsa 400k ung loan nya in total on different banks. makakasuhan b xa d2 or gigipitin lng muna siya into paying them?

Ang pangggigipit sa kanya ay sa pamamagitan ng pagkaso sa kanya ng violation ng BP22, so YES to both questions.



#110 dickinson

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Posted 17 August 2017 - 01:31 AM

Ang pangggigipit sa kanya ay sa pamamagitan ng pagkaso sa kanya ng violation ng BP22, so YES to both questions.


mahal rin ba proseso sa pagkakaso d2?

#111 rocco69

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Posted 18 August 2017 - 03:13 PM

mahal rin ba proseso sa pagkakaso d2?

nope. metropolitan trial court lang ito, so summary ang proceedings. tapos, sa BP22, halos wala kang depensa, kaya, except for paying the amount of the check,  pahirapan talagang lusutan ang ganitong kaso



#112 dickinson

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Posted 18 August 2017 - 04:35 PM

nope. metropolitan trial court lang ito, so summary ang proceedings. tapos, sa BP22, halos wala kang depensa, kaya, except for paying the amount of the check,  pahirapan talagang lusutan ang ganitong kaso


so kulong tlg xa? mdadaan pa rin ba sa restructuring toh?

#113 rocco69

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Posted 19 August 2017 - 09:44 PM

so kulong tlg xa? mdadaan pa rin ba sa restructuring toh?

 

ang dahilan lang naman bakit nagkakaso ang binigyan ng cheke ay dahil tumalbog ang mga ito.

 

PAG BABAYARAN NG UMUTANG YUNG UTANG, PUMAPAYAG ANG NAGHAHABLA NA MADISMISS NA ANG KASO.

 

Pag nakasuhan siya, kausapin niya yung naghahabla paano maaareglo yung kaso. Kung pumayag sa restructuring, ayos! Otherwise, tuloy ang kaso.
 


Edited by rocco69, 19 August 2017 - 09:45 PM.


#114 MCB08

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Posted 05 October 2017 - 04:56 PM

Good day.

Meron po akong salary loan sa isang bangko. Ang amount is 95k tapos 3yrs ang term. 3 or 4 months lang ang nahulugan ko kasi nagresign ako sa trabaho due to perso al reason. Tapos hindi na ako nakapagwork ulet.

Oct 2, may pumunta dito samen. Eh wala ako. Ayaw daw maniwala. Gusto daw pumasok sa loob ng bahay namin. Hindi pinapasok. Tapos dumiretso po pala sa barangay hall.

Oct 3, may pumuntang tanod dito sa bahay. May ibinigay na sulat at sabi mahearing daw kame ng Oct 5.

Yung letter is demand letter from collection agency stating na ang utang ko is 260k exclusive of interests, penalties and other charges. So nagtry ako makipagcommunicate sa nakasulat na agent duon sa letter.

At eto na nga, nagsimula na ang panghaharass nila. Pinipilit nila akong magbayad mf 140k nalang daw. One time payment. Para daw cleared na ako. Kasi kung hindi daw, kakasuhan daw nila ako. Papasosahan at ililitigate daw ang bahay ng mga magulang ko.

Nakikipagnegotiate ako sa kaya ko sanang terms. Which istretch sana nila atleast 24months yung 140k. Ayaw nila.

Nag oofer ulet, bayad daw ako today ng 40k tapos yung balance na 100k amortize daw ng 11months. Kasi kung hindi, kaso na daw talaga. Wala na daw silang magagawa.

Eh wala talaga akong mahanap na pera. Kug kani kanino na ako lumapit. Pero wala talaga.

Enlighten nyo na po ako. Natatakot kasi ako.

Wala pa rin akong work sa ngayon. May live in partner ako pero sapat lang na pantustos sa pang araw araw na gastusin namin at ng baby namen yung kinikita nya.

May inaasahan akong trabaho sa november. Kaya gusto ko sana na kung maaari, ipagpatuloy ko ang hulog sa bangko.

#115 rocco69

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Posted 06 October 2017 - 11:39 AM

Good day.

Meron po akong salary loan sa isang bangko. Ang amount is 95k tapos 3yrs ang term. 3 or 4 months lang ang nahulugan ko kasi nagresign ako sa trabaho due to perso al reason. Tapos hindi na ako nakapagwork ulet.

Oct 2, may pumunta dito samen. Eh wala ako. Ayaw daw maniwala. Gusto daw pumasok sa loob ng bahay namin. Hindi pinapasok. Tapos dumiretso po pala sa barangay hall.

Oct 3, may pumuntang tanod dito sa bahay. May ibinigay na sulat at sabi mahearing daw kame ng Oct 5.

Yung letter is demand letter from collection agency stating na ang utang ko is 260k exclusive of interests, penalties and other charges. So nagtry ako makipagcommunicate sa nakasulat na agent duon sa letter.

At eto na nga, nagsimula na ang panghaharass nila. Pinipilit nila akong magbayad mf 140k nalang daw. One time payment. Para daw cleared na ako. Kasi kung hindi daw, kakasuhan daw nila ako. Papasosahan at ililitigate daw ang bahay ng mga magulang ko.

Nakikipagnegotiate ako sa kaya ko sanang terms. Which istretch sana nila atleast 24months yung 140k. Ayaw nila.

Nag oofer ulet, bayad daw ako today ng 40k tapos yung balance na 100k amortize daw ng 11months. Kasi kung hindi, kaso na daw talaga. Wala na daw silang magagawa.

Eh wala talaga akong mahanap na pera. Kug kani kanino na ako lumapit. Pero wala talaga.

Enlighten nyo na po ako. Natatakot kasi ako.

Wala pa rin akong work sa ngayon. May live in partner ako pero sapat lang na pantustos sa pang araw araw na gastusin namin at ng baby namen yung kinikita nya.

May inaasahan akong trabaho sa november. Kaya gusto ko sana na kung maaari, ipagpatuloy ko ang hulog sa bangko.

Boss, 6 pages lang ang thread na ito. Basahin mo lahat ng nakalagay simula page 1, especially yung sagot ni goodboy sa page 3. Nasa previous pages na ang kasagutan sa lahat ng tanong mo.

 

Just remember, wala kang dapat ikatakot, KNOWLEDGE IS POWER! After backreading, you will know your rights, as well as what the collection agency CAN ACTUALLY DO, and what they BLUFF that they can do.

 

Good luck!






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