legal Free Legal Advice

[stainted]

mga sirs,

 

legal advice naman po. I am a manager for a local bank. naprapraning lang po ako. Several years back when I was still a branch supervisor, we require documents to be microfilmed by tellers for backup. Now, several years after, the bank cannot locate those documents and they need it for a court case because the client is denying taking money out from his account. Can I be held liable to pay for the client's claims? We are only required to forward the microfilm for developing and rerun documents that were not fully captured. The thing is, nung nalaman ko na kelangan ireun ulit yung mga docs, pinadala na ng bangko sa client yung mga ito (checks)

 

TIA!

[ianlone81]

Ang ownership ng lote ay matatransfer from owner to heirs by operation of law, meaning after mamatay, malilipat ownership sa heirs. Pero para mapalitan tct nyan para mareflect ang ownership sa lote,kailangan ng Extrajudicial Settlement at kailangan muna bayaran ang estate tax ng namatay. Sa pag file ng estate tax na yan, nakalagay lahat ng ariarian ng namatay, real at personal, pati bank accounts para macompute and estate tax at ang estate tax na binabayaran ay depende sa value na iniwan ng namatay. Pag nabayaran estate tax, iisue ang BIR ng Certificate Authorizing Registration, na requirement sa pagpapalit ng TCT sa pangalan ng heirs. Tapos sa municipyo naman kailangan ng tax clearance sa Real Estate Division, Transfer Tax sa City Treasurer's Office at ng TCT. Mahirap mag extrajudicial settlement pag hinde magagree heirs sa kung ano dapat mapunta sa kanila.

Yang SPA na inexecute ng lola mo sa kapatid ng nanay mo, effective lang yan sa share ng lola mo sa lote nya. Hinde yan effective as sa ibang mayari na hinde siya ginawang attorney in fact.

Salamat po uli hope na makatulong ng malaki to sa kanila ng matapos na ang problemang ito.

[redblack]

question po:

magma-migrate ang kapatid ko sa amerika. ayaw na niya bayaran ang mga credit card bills niya na halos P50k at P100k ang halaga. ang bilin sa akin ay huwag na tanggapin ang mga dadating na bills. pwede ba siya habulin ng credit card company? pwede din po ba habulin ng company ang mga naiwan niyang pamilya dito sa pilipinas?

 

thanks po

 

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

[enzo88]

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

 

Thanks for the reply cutie!

[TeeUp]

For all intents and purposes, the credit card bills pertains to your sibling only and cannot be claimed against you or your siblings relatives. It can be claimed however against any property that your sibling may presently have or acquire in the future, e.g., does he have any land or car or bank account now, will he inherit anything from your parents, those kind of stuff. Even if the bill is not received it is already a loan incurred by your sibling (when he charged a service, or a sale) and can be enforced in a proper court collection case. Usually, unpaid credit cards once a final and executory judgment is rendered has already accumulated to the extent that a P100,000.00 credit card bill can balloon to triple that amount, after the interest, penalties and surcharges are added already. Once a collection case is instituted, the collectable amount would included legal fees. So later on he or she may be facing instead of a P100,000.00 credit card bill, it can very well be a P500,000.00 judgment award for the credit card company. Expect the credit card company to really undergo this proceeding and try to collect since this is the only way they can recoup the credit card charge either to collect the loan itself or get it as a tax-deductible entry (meaning bad loans).

 

HOWEVER, WHAT MAKES SETTLING THIS LOAN IMPORTANT FOR YOUR SIBLING WHO IS IMMIGRATING TO THE US?

 

Is the credit card company affiliated with Visa or Mastercard?

 

There is such a thing as a "credit rating" in the US. The credit rating or score determines the credit worthiness of an individual. Usually new immigrants start from "zero" considering that you are only starting out as a US resident, thus, he or she should expect high interest rates (if ever he or she would borrow). Only through time and a proper management of your credit (through ontime payments of your credit card bills, utility bills, etc.) would the score improve.

 

Presently, the local banks do not share this bad credit info but if in the future they do undertake to do it, considering that this local credit cards are affiliated with Visa and Mastercard, whatever gains in the credit rating of your sibling may be erased where there is a sharing of such an information to US banks and credit card companies.

 

That being the case, your sibling can take the risk and not pay it. But this is not advisable as (1) you can still avoid the accumulation of the amount of penalties, surcharges or interests, if you address the credit card bill now (before it reaches the courts); and (2) his or her credit rating in the US may suffer if the credit corporations in the US get wind of his or her bad credit situation here.

 

I tend to agree with reason #1 why your sibling should pay. Note however that the statute of limitations to enforce an obligation under a contract is 10 years. That is, the credit card company has to sue and collect within that time period. Otherwise, the claim will be forever barred. Filing a case against a non-existent defendant does not make sense unless the creditor has a strong showing that the debtor has assets it can pursue. By doing so, it stands to lose more in legal and attorney's fees.

 

Reason #2 is very unlikely to happen. Visa and Mastercard are not a creditors. It is an organization that facilitates use of credit through a card issued by the bank for a fee. It simply is a payment courier. That being said, Visa or Mastercard does not have any interest in helping the banks recover the debt since it has been paid at the time the transaction took place. As correctly stated above, Philippine branch of say, Citibank, does not exchange credit information with Citibank in the US. Moreover, Citibank US does not aid in collecting owing to Citibank Philippines.

 

I am not encouraging your sibling not to pay the credit card bills. I am just stating my opinion over the matter.

[Firewolf9]

Mga sir tulong naman itong kaso ko. Inakyat ung bahay last november. Cellphone, wallet na may laman na pera at saka Digicam ang nakuha. Yung suspek eh yong taong 2 dalawang kanto ang layo sa amin. Yong sunod na araw na yun nabalitaan namin na binibenta nila ung camera at nakuha ng kapatid ko. Ginamit pa nila ung camera kaya nung naibalik nandoon lahat ang mukha nila. So nireport namin sa pulis, gusto sana nila damputin na kaagad kaya lg di nila makuha kasi kailangan daw nasa labas ng bahay. Ginawa ko pinablotter ko na s barangay. So nag-usap kami sa baranggay at sabi nila di daw sila umakyat s bahay, nandun lg s kanila ung camera kasi balak daw nila bilhin. So ang tinuturo daw nila ngaun eh ung tao na tumulong sa amin na maibalik ung camera. Sabi ng barangay mahina daw ang kaso namin kasi wala talaga makapagturo kung sino umakyat sa bahay.

 

Tanong:

A. Pano ba maimbestigahan kung kanino galing ung camera(Sabi ng barangay di nila responsibilidad yan)

B. Mahina ba talaga ang kaso?

 

Gusto ko sana iakyat to sa korte para mahuli na mga tirador na un.

* Nung pumunta kami sa PS6, di na pinagfile ng blotter. Sabi ng hepe palabasin mo lg ng bahay then text nyo kami at damputin namin yan(Taniman na lg daw ng kutsilyo para makulong)

 

Next hearing namin s baranggay next tuesday. Sana mabigyan nyo ako ng hint kung anong magandang gawin.

[redblack]

Reason #2 is very unlikely to happen. Visa and Mastercard are not a creditors. It is an organization that facilitates use of credit through a card issued by the bank for a fee. It simply is a payment courier. That being said, Visa or Mastercard does not have any interest in helping the banks recover the debt since it has been paid at the time the transaction took place. As correctly stated above, Philippine branch of say, Citibank, does not exchange credit information with Citibank in the US. Moreover, Citibank US does not aid in collecting owing to Citibank Philippines.

 

I am not encouraging your sibling not to pay the credit card bills. I am just stating my opinion over the matter.

 

I think you misread my opinion which you referred to as Reason # 2. True, US Banks does not seek to involve itself in the local collection of debts owed to Philippine banks or for that matter Visa or Mastercard.

 

The fact that he or she is actually immigrating to the US, makes paying off his or her credit card debt important since that may affect his or her credit worthiness, once already in the US. Surely once in the US, he or she will eventually borrow money to buy a car, house, gadgets or whatever. US lenders (banks, credit cards, savings and loans associations, etc.) take "credit ratings" very seriously. This determines whether or not a person can avail of a loan or not, or how high or low the interest rate chargeable to the person. If your "credit worthiness" is graded a high credit rating banks are more inclined to lend to you at a more favorable interest rate. If you have a low credit rating, banks are more inclined NOT to lend to you or lend to you at a higher interest rate.

 

Thus, in the situation of his or her sibling who goes to the US, generally US lenders would not look into his or her past credit history in the Philippines, so they would rely on the immigrants credit history in the US only. But if they get wind of the sibling's BAD credit history in the Philippines, US lenders may totally close their doors and not lend anything to the immigrant because of that bad credit history or charge his or her a high interest rate.

Edited January 5, 2011 by redblack

[HardOn]

Tingnan mo yung Certificate of Public Convenience (CPC) ng taxi na bibilhin mo at doon nakalagay ang period na puede ioperate ang taxi na may CPC. Tingnan mo rin kung ang nagbebenta sa iyo ang mayari ng CPC. Kung siya ang mayari, kung gusto mo legal ang sale and transfer ng CPC, kailangan mag apply for approval of sale sa LTFRB. Kung mageexpire na CPC, alamin kung puede pa iextend. Meron naman bumibili ng taxi at hinde pinapaaprove ang transfer pero siempre delikado rin dahil bawal ito under the law and dahil nakapangalan pa ang unit sa seller, baka maloko ka. Pagnagpaapprove ng sale and transfer of CPC sa LTFRB, kailangan abogado at may mga hearing to sa Board ng LTFRB.

 

Thanks sir Moed.

 

Follow up question lang. Nakita ko na yung CTC. Nakapangalan sya sa seller. Pero expired na ang franchise. May application for renewal. Nagdaan na sa first hearing at na-dismiss kasi wala yung document na vineverify yung previous owners. Kasi daw dumating yung araw ng hearing eh yung return to sender from post office hindi pa nadating. Pero nagfile na sya ng motion for reconsideration. Pano ko malalaman kung pwede pa marenew? gusto kasi nung seller ako na magtuloy ng process. May nirefer sya sa akin na naglalakad sa LTFRB. ang sabi nun naglalakad, kayang kaya nya raw yun. Please advise. Thanks

[HardOn]

Lapit ko lang din yung legal problem ng office mate ko.

 

Naka-loan kasi sya sa PSBank last March 2004 under Flexi Credit Line ng 50K nA merong revolving credit line agreement.. He already made several payments. Actually malaki na rin ang naihuhulog nya hanggang sa natigil ang pagbabayad nya kasi nagkaproblem sya financially. Then dinemanda sya ng bank last june 2006 ng civil case for sum of money. Hindi nya pinansin yung demanda kasi wala rin naman syang pambayad dito. Until 2009, umabot na ang utang nya sa 300K. That time, nakipagayos na sya. Nagbigay sya ng 30K last Jan 2009 with verbal agreement na huhulog hulugan nya. Pero hindi rin sya naka-comply. Gusto nya sanang ayusin. Pinatatanong nya kung:

1. Since gipit pa rin sya financially ngayon, pwede ba na makiusap sya sa bangko na since nagbigay na sya ng 30K last year at marami na syang naibayad before, baka pwedeng hindi na sya magbayad considering na 50K lang naman ang amount ng utang nya (sobra sobra na dito ang total ng naibayad nya.

2. Nung Novermber 2009, pinadalhan sya ng letter ng abogado ng bank ng demand letter na may banta na kakasuhan sya ng kriminal for estafa or culpable insolvency dahil sya daw ay nagtatago na. Maaari ba talaga syang sapahan ng criminal case gayong utang lang naman yun?

 

Maraming salamat sa mga magbibigay pansin sa tanong na ito.

[moed]

Thanks sir Moed.

 

Follow up question lang. Nakita ko na yung CTC. Nakapangalan sya sa seller. Pero expired na ang franchise. May application for renewal. Nagdaan na sa first hearing at na-dismiss kasi wala yung document na vineverify yung previous owners. Kasi daw dumating yung araw ng hearing eh yung return to sender from post office hindi pa nadating. Pero nagfile na sya ng motion for reconsideration. Pano ko malalaman kung pwede pa marenew? gusto kasi nung seller ako na magtuloy ng process. May nirefer sya sa akin na naglalakad sa LTFRB. ang sabi nun naglalakad, kayang kaya nya raw yun. Please advise. Thanks

Mahirap na yan dahil nadismiss na nga sa first hearing ang application for extension. Usually nag aapply renewal bago mag expire CPC. Yang guarantee sa yo ng maglalakad wala kang makuha jan pag hinde naextend. Ikaw lahat gamble jan pag hinde naextend at yang taxi na bilhin mo magiging private car na maraming kilometro na nabiyahe. Tagilid ka sa usapan na yan. Saka malabo yang sinasabi na nadismiss dahil kulang sa document na nagveverify previous owners, ibig sabihin yan, hinde pa naapprove yung sale and transfer ng CPC sa seller dahil vineverify pa ang previous owners.

Edited January 5, 2011 by moed

[HardOn]

Mahirap na yan dahil nadismiss na nga sa first hearing ang application for extension. Usually nag aapply renewal bago mag expire CPC. Yang guarantee sa yo ng maglalakad wala kang makuha jan pag hinde naextend. Ikaw lahat gamble jan pag hinde naextend at yang taxi na bilhin mo magiging private car na maraming kilometro na nabiyahe. Tagilid ka sa usapan na yan. Saka malabo yang sinasabi na nadismiss dahil kulang sa document na nagveverify previous owners, ibig sabihin yan, hinde pa naapprove yung sale and transfer ng CPC sa seller dahil vineverify pa ang previous owners.

 

Thanks sor moed. sana masagot mo rin yung isa ko pang question about dun sa problem ng office mate ko. Thanks again

[redax]

Lapit ko lang din yung legal problem ng office mate ko.

 

Naka-loan kasi sya sa PSBank last March 2004 under Flexi Credit Line ng 50K nA merong revolving credit line agreement.. He already made several payments. Actually malaki na rin ang naihuhulog nya hanggang sa natigil ang pagbabayad nya kasi nagkaproblem sya financially. Then dinemanda sya ng bank last june 2006 ng civil case for sum of money. Hindi nya pinansin yung demanda kasi wala rin naman syang pambayad dito. Until 2009, umabot na ang utang nya sa 300K. That time, nakipagayos na sya. Nagbigay sya ng 30K last Jan 2009 with verbal agreement na huhulog hulugan nya. Pero hindi rin sya naka-comply. Gusto nya sanang ayusin. Pinatatanong nya kung:

1. Since gipit pa rin sya financially ngayon, pwede ba na makiusap sya sa bangko na since nagbigay na sya ng 30K last year at marami na syang naibayad before, baka pwedeng hindi na sya magbayad considering na 50K lang naman ang amount ng utang nya (sobra sobra na dito ang total ng naibayad nya.

2. Nung Novermber 2009, pinadalhan sya ng letter ng abogado ng bank ng demand letter na may banta na kakasuhan sya ng kriminal for estafa or culpable insolvency dahil sya daw ay nagtatago na. Maaari ba talaga syang sapahan ng criminal case gayong utang lang naman yun?

 

Maraming salamat sa mga magbibigay pansin sa tanong na ito.

 

Kailangan malaman muna ano nangyari sa kaso nong dinemanda sya ng 2006. Yang ba binabangit na 2009 na utang na 300K pano nadetermine yan amount na yan, sa decision ba ng korte o may compromise agreement? Ano ang nakalagay sa kaayusan nila, malamang kasi hinde naman papayag banko sa verbal agreement lang.

[2hot4yah]

good PM po..

 

i need advice po regarding sa daughter ko.. me and her dad are not married, pero she carries the surname of her dad. pero ngayon hiwalay na kami. yung dad nya nagtatago, and doesnt want to give sustento to our daughter. my daughter is 1year old.

 

Q#1 : is there a legal way para maobliga sya na magbigay ng sustento for our kid?

Q#2 : or pwede po ba sya maalisan ng karapatan sa bata kasi tinakbuhan nya naman responsibilidad nya?

Q#3 : totoo rin po ba na pag napatunayan nila na may iba na akong boyfriend e pwede nila kunin yung custody nung bata saakin?

 

thanks in advance po.

[rocco69]

Q#1 : is there a legal way para maobliga sya na magbigay ng sustento for our kid?

 

kasuhan mo ng child abuse (see Sec. 10a in relation to Sec. 3b[3], Republic Act 7610) at violation ng Sec.5e ng Republic Act 9262. tingnan mo at makikiusap yan pag nakasuhan na.

 

 

Q#2 : or pwede po ba sya maalisan ng karapatan sa bata kasi tinakbuhan nya naman responsibilidad nya?

 

pwede, abandonment ito, isa sa mga ground para tanggalin ng parental authority ang isamg magulang

 

 

Q#3 : totoo rin po ba na pag napatunayan nila na may iba na akong boyfriend e pwede nila kunin yung custody nung bata saakin?

 

dahil hindi naman kayo kasal, ang bata ay illegitimate. kapag illegitimate ang bata, ito ay nasa ilalim ng authority ng nanay. ang karapatan lang ng ama ay visitation rights. in short, hindi nila makukuha ang custody ng bata mula sa iyo (unless maipapakita nila na makakasama sa bata ang patuloy na pagtira nito sa poder ng nanay). dahil di naman kayo kasal, may karapatan kang makipag-relasyon sa iba, kung kaya't hindi ito magagamit na dahilan upang kunin ang bata mula sa iyo.

 

good PM po..

 

i need advice po regarding sa daughter ko.. me and her dad are not married, pero she carries the surname of her dad. pero ngayon hiwalay na kami. yung dad nya nagtatago, and doesnt want to give sustento to our daughter. my daughter is 1year old.

 

Q#1 : is there a legal way para maobliga sya na magbigay ng sustento for our kid?

Q#2 : or pwede po ba sya maalisan ng karapatan sa bata kasi tinakbuhan nya naman responsibilidad nya?

Q#3 : totoo rin po ba na pag napatunayan nila na may iba na akong boyfriend e pwede nila kunin yung custody nung bata saakin?

 

thanks in advance po.

[2hot4yah]

Q#1 : is there a legal way para maobliga sya na magbigay ng sustento for our kid?

 

kasuhan mo ng child abuse (see Sec. 10a in relation to Sec. 3b[3], Republic Act 7610) at violation ng Sec.5e ng Republic Act 9262. tingnan mo at makikiusap yan pag nakasuhan na.

 

 

Q#2 : or pwede po ba sya maalisan ng karapatan sa bata kasi tinakbuhan nya naman responsibilidad nya?

 

pwede, abandonment ito, isa sa mga ground para tanggalin ng parental authority ang isamg magulang

 

 

Q#3 : totoo rin po ba na pag napatunayan nila na may iba na akong boyfriend e pwede nila kunin yung custody nung bata saakin?

 

dahil hindi naman kayo kasal, ang bata ay illegitimate. kapag illegitimate ang bata, ito ay nasa ilalim ng authority ng nanay. ang karapatan lang ng ama ay visitation rights. in short, hindi nila makukuha ang custody ng bata mula sa iyo (unless maipapakita nila na makakasama sa bata ang patuloy na pagtira nito sa poder ng nanay). dahil di naman kayo kasal, may karapatan kang makipag-relasyon sa iba, kung kaya't hindi ito magagamit na dahilan upang kunin ang bata mula sa iyo.

 

 

 

thanks po. big help, natanggal na lahat ng tanong sa utak ko.

 

 

 

[aNtipAtiKa]

i need a lawyer who is an expert with civil service cases. asap.

 

somebody here help me please.

Edited January 10, 2011 by aNtipAtiKa

[TracerOne]

My mom's in need of a lawyer, she has a hearing set on Jan. 31 and we still have no lawyer. We approached some lawyers even my Tito who's a lawyer to help us for our "Petition for Preliminary Investigation" but all of them are asking for a P50K or P25k acceptance fee and every hearing we will pay 4k. As much as we wanted to have a lawyer we can't afford the expensive fee. Please help us find a good lawyer who's not that expensive. We're thinking of having PAO instead but we doubt if they can help us at all. Thanks.

[jazon7099]

San locatio ng case?anong specific case? The pao can certainly help unless u are not a pauper

 

San locatio ng case?anong specific case? The pao can certainly help unless u are not a pauper

[Lanceagosto]

Thanks to Sir Rocco for his legal advice on my PM.

[HardOn]

Kailangan malaman muna ano nangyari sa kaso nong dinemanda sya ng 2006. Yang ba binabangit na 2009 na utang na 300K pano nadetermine yan amount na yan, sa decision ba ng korte o may compromise agreement? Ano ang nakalagay sa kaayusan nila, malamang kasi hinde naman papayag banko sa verbal agreement lang.

 

Sir Redax,

 

Walang nangyari sa kaso since 2006. Hindi rin sya umattend ng mga hearings. Yun daw 300K eh yung amount na sinisingil sa kanya ngayon. Hindi raw desisyon ng korte yun. Ayun ata yung kabuuang kasama tubo.

[Dr_PepPeR]

mga sirs,

 

legal advice naman po. I am a manager for a local bank. naprapraning lang po ako. Several years back when I was still a branch supervisor, we require documents to be microfilmed by tellers for backup. Now, several years after, the bank cannot locate those documents and they need it for a court case because the client is denying taking money out from his account. Can I be held liable to pay for the client's claims? We are only required to forward the microfilm for developing and rerun documents that were not fully captured. The thing is, nung nalaman ko na kelangan ireun ulit yung mga docs, pinadala na ng bangko sa client yung mga ito (checks)

 

TIA!

 

Can you be more explicit? If you are talking about cancelled or returned checks for DAUD or DAIF or closed accounts, these are normally returned to the client. However the bank is required to keep records for five years. Now if you followed your bank's policies regarding documentation of account documents, then you don't have to worry as the legal case is the Bank's problem, not yours. What is important for you is that you followed operational procedures.

[redax]

Sir Redax,

 

Walang nangyari sa kaso since 2006. Hindi rin sya umattend ng mga hearings. Yun daw 300K eh yung amount na sinisingil sa kanya ngayon. Hindi raw desisyon ng korte yun. Ayun ata yung kabuuang kasama tubo.

Kailangan medyo mas specific kaysa sa walang nangyari ang sagot. Nadismiss ba o baka kasi ongoing at leverage ng banko yan. Baka kasi nadeclare sya in default at may judgment na. Pag may judgment kasi at naging final yang execution nyan puede ilevy lahat ng ariarian nya na hinde exempt from execution. Kung may ariarian sya, delikado sya. Yung sa renegotiation naman ng amount due, kung ako ang banko magdududa na ako sa renegotiation dahil 2009 lang nagkasundo, di na naman nasusunod ng debtor. Kung baga, very recent lang ang agreement, di na nasunod, medyo may duda na sa credibility o good faith ng debtor.

[Kazekage.Gaara]

For example, you applied for a Quality Analyst position. You go through the 3 month probationary period, but do not pass.

 

They should put you back in Operations since 1 1/2 years ka na sa company, but dahil daw walang account na paglalagyan sa iyo (due to your profile "not qualified" for whatever account who's lacking personnel) they end your employment sa company. What they have you sign is a non-confirmation for the qa position, with no mention of the attempt for locating an account for you.

 

Does that warrant a separation pay???

[iceman8]

hi everyone,

 

i have a question regarding employment. i'm a business owner of an IT firm right now, and I have employees that work for me. I have a problem with employees. Usually, these employees are not regular employees. They're still under probationary status. After a few days or a few months or working for me, they suddenly disappear. It's so frustrating on my end since I invested time and money in training them and suddenly they go AWOL. I was wondering what I can do legally in case this happens. Can I sue them or ask them to pay me an amount or something? I just feel that it's unfair that employees can just go AWOL and leave their employers hanging. It's so unprofessional and unfair.

 

Please advise. Thank you very much!

[Dr_PepPeR]

For example, you applied for a Quality Analyst position. You go through the 3 month probationary period, but do not pass.

 

They should put you back in Operations since 1 1/2 years ka na sa company, but dahil daw walang account na paglalagyan sa iyo (due to your profile "not qualified" for whatever account who's lacking personnel) they end your employment sa company. What they have you sign is a non-confirmation for the qa position, with no mention of the attempt for locating an account for you.

 

Does that warrant a separation pay???

 

If you are a regular employee, you can only be terminated for cause. Did you sign a contract when you applied?

 

hi everyone,

 

i have a question regarding employment. i'm a business owner of an IT firm right now, and I have employees that work for me. I have a problem with employees. Usually, these employees are not regular employees. They're still under probationary status. After a few days or a few months or working for me, they suddenly disappear. It's so frustrating on my end since I invested time and money in training them and suddenly they go AWOL. I was wondering what I can do legally in case this happens. Can I sue them or ask them to pay me an amount or something? I just feel that it's unfair that employees can just go AWOL and leave their employers hanging. It's so unprofessional and unfair.

 

Please advise. Thank you very much!

 

If you really train them, you might want to sign them to a training contract that has a penalty if they leave prematurely. But you should know that probies have really no incentive to stay if there's nothing in it for them.