legal Free Legal Advice

[Dr_PepPeR]

isa pa pong atty. totoo po ba na kapag may utang ka sa metrobank at blacklisted ka don. kahit sa ibang bank kapag nagtry ka mag loan denied ka rin? kahit good credit standing ka sa ibang bank, denied ka pa rin kapag magloan ka? makaka-apekto po ba yon?

 

Banks use at least two credit bureau companies to check on a client's credit standing. If you are reported for having been in default, your name will appear in the list of those with bad credit findings and you will be flagged by any bank who uses the credit bureau's services.

[xXBandidOXx]

magandang araw po.....tungkol po ito sa lupa ng bayaw ko. nakapangalan sa bayaw ko ang titulo ng kanilang lupa. Kasalukuyan po syang nagtatrabaho sa ibang bansa samantalang ang kanyang misis naman ay naiwan dito sa Pilipinas. Napag alaman namin na isinangla ng misis nya ang kanilang lupa sa isang lending company. Ayon sa dokumentong nakuha namin, gumamit ng SPA ang misis nya para maisangla ang property nila. Nalaman ng bayaw ko ang ginawang ito ng misis nya at sinabi sa amin na wala syang pinipirmahang SPA. May habol pa kaya ang bayaw ko? Ano ang kanyang dapat gawin kasi mareremata na yung property nila na wala syang kaalam alam? Salamat sa inyong magiging tugon.

[Dr_PepPeR]

magandang araw po.....tungkol po ito sa lupa ng bayaw ko. nakapangalan sa bayaw ko ang titulo ng kanilang lupa. Kasalukuyan po syang nagtatrabaho sa ibang bansa samantalang ang kanyang misis naman ay naiwan dito sa Pilipinas. Napag alaman namin na isinangla ng misis nya ang kanilang lupa sa isang lending company. Ayon sa dokumentong nakuha namin, gumamit ng SPA ang misis nya para maisangla ang property nila. Nalaman ng bayaw ko ang ginawang ito ng misis nya at sinabi sa amin na wala syang pinipirmahang SPA. May habol pa kaya ang bayaw ko? Ano ang kanyang dapat gawin kasi mareremata na yung property nila na wala syang kaalam alam? Salamat sa inyong magiging tugon.

 

Write a letter to the lending company that the SPA was forged.

[xXBandidOXx]

Write a letter to the lending company that the SPA was forged.

 

paano na po ang mangyayari dun sa pagkakautang nila sa lending company?

[noknok79]

other question atty. may mga credit card company na kahit di na ako nag fill-up ng form binigyan nila ako ng card at nung tinawag ko sa hotline nila, pina-activate ko, activated na. ngayon, may mga late charges & finance charges na naiwan at lahat ng purchases ko lang binayaran ko upto single centavo. yung charges na nag accumulate nireklamo ko due to delay ang pag deliver ng SOA kaya delay din yung bayad.

 

ngayon nasa collection agency na daw yung kaso ko at dadalhin nila sa Legal. tanong ko lang, may laban po ba ako? kasi wala naman akong pinirmahan na application form or agreement, maliban lang don sa credit card receipt na pini-pirmahan kapag nagpurchase.

 

yung application ko lang po sa kanila is referals from bank, kaya walang akong application forms na sinangayunan or pinirmahan.

[ricardo23]

Hi attorney ,tanong ko lan pala kung ang salesman ba liable kung pumutok yung check ng customer nya?

 

Thanks

[Dr_PepPeR]

paano na po ang mangyayari dun sa pagkakautang nila sa lending company?

 

It depends on how virtuous the lending company is. Unfortunately, what I think will happen is that the lending company will simply declare the entire loan due and demandable, send a demand letter, and either continue with a foreclosure under the mortgage and even if the SPA is proved to be forged, will simply try to attach the wife's and husband's properties.

[Dr_PepPeR]

other question atty. may mga credit card company na kahit di na ako nag fill-up ng form binigyan nila ako ng card at nung tinawag ko sa hotline nila, pina-activate ko, activated na. ngayon, may mga late charges & finance charges na naiwan at lahat ng purchases ko lang binayaran ko upto single centavo. yung charges na nag accumulate nireklamo ko due to delay ang pag deliver ng SOA kaya delay din yung bayad.

 

ngayon nasa collection agency na daw yung kaso ko at dadalhin nila sa Legal. tanong ko lang, may laban po ba ako? kasi wala naman akong pinirmahan na application form or agreement, maliban lang don sa credit card receipt na pini-pirmahan kapag nagpurchase.

 

yung application ko lang po sa kanila is referals from bank, kaya walang akong application forms na sinangayunan or pinirmahan.

 

Usually the credit card has fine print at the back that says something like "by using this credit card you agree to all the terms and conditions etc."

[Dr_PepPeR]

Hi attorney ,tanong ko lan pala kung ang salesman ba liable kung pumutok yung check ng customer nya?

 

Thanks

 

If you mean liability under BP22 or estafa, no.

[noknok79]

Usually the credit card has fine print at the back that says something like "by using this credit card you agree to all the terms and conditions etc."

 

kahit walang application form na pinirmahan? yung sign lang sa receipt na lumalabas kada may purchases?

[Dr_PepPeR]

kahit walang application form na pinirmahan? yung sign lang sa receipt na lumalabas kada may purchases?

 

You used it, didn't you?

[Giancarlo Judge]

Good afternoon mga Attorney. Last year I consulted here yung sitwasyon ko. I resigned from a company and they held on to my last pay and commission, ITR and clearance because I have demo units on loan to clients that I needed to pull out and return. I've done that and reached an agreement with my former company to pay for some of the items that are unreturned per advice here.

 

However, several weeks have passed since they told me that I'm cleared and they just keep on telling me that they would give me my money. Yesterday, I followed up and still nothing. So, I requested HR to give me a copy of the clearance if it's ready. They sent it to me and from the clearance, I saw that as of March 11, 2010, the person in-charge for demo units cleared me already and April 19, 2010 the VP for Finance has already given instructions. Today is July 21, 2010 and still no certainty that they are going to give me my last pay.

 

Please advice me on what action I can take.

 

Thanks in advance.

[vicaner]

Section 11, Republic Act No. 9208

 

Section 11. Use of Trafficked Persons. - Any person who buys or engages the services of trafficked persons for prostitution shall be penalized as follows:

 

(a) First offense - six (6) months of community service as may be determined by the court and a fine of Fifty thousand pesos (P50,000.00); and

( Second and subsequent offenses - imprisonment of one (1) year and a fine of One hundred thousand pesos (P100,000.00).

 

Note that under Section 4(e) of the same law, it is considered "trafficking in persons" "to maintain or hire a person to engage in prostitution or pornography." Engaging the ES of a masseuse could be construed as falling under Section 11.

 

If one is not caught in the act, you could argue that you were not engaged in wrongdoing (pero makikipag-debate ka pa ba o aareglo na lang para di na lumabas pangalan mo?)

 

Thank you bro rocco

I have another question please, could you kindly quote the law wherein an OFW is allowed to drive a motor vehicle in the philippines using his foreign driving license (as long as it is in english) for a maximum duration of three (3) months. I saw it in the LTO websire before but it suddenly disappeared for some reason. muchos gracias

[Dr_PepPeR]

Good afternoon mga Attorney. Last year I consulted here yung sitwasyon ko. I resigned from a company and they held on to my last pay and commission, ITR and clearance because I have demo units on loan to clients that I needed to pull out and return. I've done that and reached an agreement with my former company to pay for some of the items that are unreturned per advice here.

 

However, several weeks have passed since they told me that I'm cleared and they just keep on telling me that they would give me my money. Yesterday, I followed up and still nothing. So, I requested HR to give me a copy of the clearance if it's ready. They sent it to me and from the clearance, I saw that as of March 11, 2010, the person in-charge for demo units cleared me already and April 19, 2010 the VP for Finance has already given instructions. Today is July 21, 2010 and still no certainty that they are going to give me my last pay.

 

Please advice me on what action I can take.

 

Thanks in advance.

 

Write a demand letter to the HR department, asking them to give you your last pay and commission, together with a computation. Attach a copy of your clearance. Copy furnish the president of the company. Keep your tone civil but point out that what they are doing is unreasonable and you would like an explanation why it hasn't been done yet. It's time to document everything just in case you have to file a complaint in DOLE.

[rocco69]

http://www.lto.gov.ph/dls_faq.html

 

Thank you bro rocco

I have another question please, could you kindly quote the law wherein an OFW is allowed to drive a motor vehicle in the philippines using his foreign driving license (as long as it is in english) for a maximum duration of three (3) months. I saw it in the LTO websire before but it suddenly disappeared for some reason. muchos gracias