My sister had a loan in a lending agency as her payment to the agency which arranged her employment overseas (forgot the term) Because of this, she needed a co-maker which I agreed. The loan contract is for 1 year and PDC was also issued. We've made first payment to the bank however since there were some salary issues encountered by my sister overseas there were times that we would only make partial payment for some months. Due to this, the lending agency advised us to make a payment in cebuana instead, then they also closed the bank account for the PDC and advised us to continuously make payments to cebuana. Nevertheless, we've made payments.Within the year that we're making payments, the lending agency had an internal issues..one time, the person who's handling our account called me and informed that TAFT branch was already closed and now transferred to Ortigas branch and was again advised to make payment in cebuana or to go to ortigas branch for payments. Without any doubt,I believed the agent, as she's the one that I used to talked to, although there's a little bit of hesitation, I saved all her messages on my phone, atleast I have proof. Then after few weeks or so, another person called me, and he said he's from taft branch informing me that closure of taft is not true and we have to stop sending payments thru cebuana but I told him that i sent out payments in cebuana already and he said there's no problem because they'll acknowledge the payments..I was also asked to go to their office however since I was 5 months and has sensitive pregnancy by then, I asked if I can just go there after my pregnancy which he agreed. From then on i didn't receive any communication with them not until after I gave birth in September. I still made payments thru cebuana as I refer to the agent in Ortigas. In September I talked to Jenny and was asked to go to Taft branch again, and since I just gave birth, I asked if I can just go there in November which she agreed. Now my concern is we still have balance for roughly 2 1/2 months, and I recently go to taft branch since I received a call from them before they release the personal service as they quote which means (estafa). I went there to make arrangements and showed all the receipts however they're really difficult to deal with, I guess that's really how it is for collections. They don't acknowledge the last 3 receipts as they said I'm already informed to not pay in cebuana and insist that ortigas branch is not true. They're asking me to pay 187k+ then when I talked and argued to them it lowered down to around 70k and I need to pay it for 2 months considering the last 3 payments. I would say the amount is still high and this is because of the penalty. Is there any chance that I can have them lower the balance?
I even not received any letter confirming that TAFT brach is still open something to that effect. This is mainly because of their internal issues and customers are affected.
Your help is greatly appreciated.