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unpaid loan

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Offline bopbarobop13

on: July 01, 2016, 09:33:01 AM
nagloan po ako sa isang bank. bale 2 months na ako di nakakabayad ng 10k a month. ano po kaya ang legal action na pwedee nila gawin sa akin. ty


Pinoytambay

unpaid loan
« on: July 01, 2016, 09:33:01 AM »

Offline salvediaz

Reply #1 on: July 01, 2016, 02:21:37 PM
Sampahan ka ng civil case. Sum of money with damages🌝


Offline mico

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Reply #2 on: July 09, 2017, 11:25:43 AM
nagloan po ako sa isang bank. bale 2 months na ako di nakakabayad ng 10k a month. ano po kaya ang legal action na pwedee nila gawin sa akin. ty

Wow! no offense, now ko lang nalaman na masasampahan ka kaagad ng Civil case for a two months pa lang ng none payment? unless this post is for spam purpose only.

Medyo matagal na pala ang post na ito, anyway TS, it could result to that if hindi ka na talaga nakabayad lalo pa at nag issue ka na check, if there are no issued cheque, it would be much easier for you. Anyway, your best action is to talk with the bank or financing firm and re arrange your payment scheme na hindi makakabigay sa'yo. Wag basta maniwala sa mga OA at exagerated na comment dito.


"Ignorance of the law excuses no man - from practicing it. "


Pinoytambay

Re: unpaid loan
« Reply #2 on: July 09, 2017, 11:25:43 AM »

Offline naruto789544

Reply #3 on: July 09, 2017, 11:36:46 PM
agree... it's not instantaneous... normally dadaan muna sa collection agency yan demanding you to pay the loan with interest etc.... worst case scenario is they will file a suit but after exhausting all avenues in getting your payment...


Offline jorelfos69

Reply #4 on: April 18, 2018, 04:15:27 PM
Wala namang nakukulong sa utang dito sa Pinas. Me kamag-anak ako, milyon ang utang sa credit card. Di lang siya makakuha ng loan o bagong card, pero di naman siya nakulong.


Pinoytambay

Re: unpaid loan
« Reply #4 on: April 18, 2018, 04:15:27 PM »

Offline naruto789544

Reply #5 on: September 13, 2018, 12:42:01 AM
i'm not sure but i think there is a law being pursued for this kind of cases... anyway, it's your credit rating that will be severely affected with this scenario...


Offline madokka

Reply #6 on: September 13, 2018, 03:20:17 AM
Q: May nakukulong ba sa utang?
A: Wala.

Q: So di ka makukulong pag nangutang ka sa banko at di mo binayaran?
A: Depende. Try to recall the papers na pinirmahan mo nung nagloan ka. May papeles doon na nagsasabing you will pay X amount of money for X number of months. Pinirmahan mo yun. Parang payment bond. So, anong relevance nun? Di ka makukulong sa di pagbabayad ng utang pero pwede kang kasuhan sa hindi pagsunod sa napagkasunduang legal na kasulatan o di kaya sa abandonment ng nilagdaan mong agreement. At times they can go to lengths of purgery (idadaan nila sa korte, papalagdain ka under oath na magbabayad ka in cash or in equivalent kind at pag di mo tinupad yun under oath, purgery ang tawag dun)

Pero matagal pa yan TS. Gagawin nila kakausapin ka pa, o ipapasa pa sa collecting agent, endless letters and notices ipapadala sa'yo, endless calls, sometimes passive aggressive threats na usually empty naman from the collecting agent to see if bibigay ka.

But ultimately, they'll find a legal leeway to skirt the law na "walang nakukulong sa utang." Sure, walang nakukulong sa utang, pero pwedeng makulong sa bouncing checks, abandonment of a statement under legal oath, o di kaya ang di pagsunod sa kontrata.


Pinoytambay

Re: unpaid loan
« Reply #6 on: September 13, 2018, 03:20:17 AM »

 


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