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Pay or Return Vehicle

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1 Pay or Return Vehicle on Tue Jul 10, 2012 10:51 pm


Arresto Menor
Good day Atty.,

Last year i was able to loan an SUV, been a good payer for a year, until tragedy came to the family and my Aunt died of Bone Cancer.
I was struggling to pay everything car, medicals, grocers, as modesty aside i'm the highest earning guy in the family. There was an instance where they made me pay 2 months which i did.

I struggled with the payment, i went and open an ATM account for them to debit my payment. The main branch told me to execute an auto debit form in the local branch which i did.
Made two payments however non-debited so i inquired they told me the same thing make an auto debit which i told them i did, i even left the amount to be debited blank.

Now out of no where 6-8th months they suddenly forwarded my account to a collection agency and demand either i pay full or surrender the unit, i paid a year already and the car has sentimental value already i am telling them i am willing to settle but not the entire thing i can even pay twice a month if needed... What else can i do for them not to get my SUV?

I did not recieve any call since January, whereas i have tried to get in touch with them and even sent them an email prior the collection agency coming to the picture.

Hope you can help me.

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2 Re: Pay or Return Vehicle on Wed Jul 25, 2012 8:01 am


Reclusion Perpetua
You can buy their time and do negotiate further.. Your problem just like mine its only that mine is a motorcycle..Technically they can repossess the unit because its on the contract but you can still negotiate to them.

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