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lending obligation

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1 lending obligation on Wed Jun 12, 2013 3:21 am

ljadamero


Arresto Menor
Need po ng advise. Nanghiram ako ng perapsa lending company bago ako umalis ng pinas, ginamit kong pambyad sa placement, ticket and so on. Ang principal amount ay 150k with interest na 60k (210k in all). 6months ang term of payment ko which is 35k a month. Ang kapatid ko sa pinas ang co-maker ko. Istarted paying them last nov 2012. Ok ang pagbabayad ko for 3mos until las february I was not able to pay them because I resigned from my job dahil I will change employer. I informed the lending about it and assurd them that I will still pay my obligation. End of march I recieved my last salary from previous employer but only paid half on the lending(17k). That payment is for february. When I recievd my 1st salary from my current employer this end of april, pinacompute ko yung kulang and they said I need to pay them 36500. Ung 36500 na yun ay para sa february ung kulang kong kalahati at interest nila. My last payment with them is this may. I message the lending thru fb kung magkano pa ang kulang ko and they called my sister saying lapse ako ng 1 and a half month. Kelangan ko daw magbayaran ung 1 1/2 month this june. My sister asked them pano kung 35k lng ang mabigay ko, dahil yung lang din ang kaya kong ibayad, ang sabi nila kung hindi tutubo daw yun at aabot ng 70k nxt month(july). Ganon din sa mga susunod na buwan kung kulang ang ihuhulog ko. Nashocked ako sa computation nila. Kailangan ko pa ba sila bayaran ng ganon kalaki? Lumalabas na buong contract ko dito sa ibang bansa magbabayad lang ako sa kanila ng utang, which is so unfair. Na-compute ko ang lhat ng binayaran ko sa kanila ay 193500. Dapat ko pa po bang bayaran sila ng ganon kalaki? Ano po ang puwede kong gawin?
additional info:
-hindi kami binigyan ng lending company ng copy ng contract. Dun sa office nila kmi pinapirma. It's my first time na manghiram sa lending and during that time hinahabol ko ang date of flight ko.
-pinapirma nila kami ng kapatid ko sa post dated check with date every 26 of the month. If I can still remember hanggang december of this year siya.
-pinag-open nila kami ng account sa bank, sa bank dinedeposito ng kapatid ko ang pera
-since lumipat ako ng employer I paid them end of the month dahil yun po ang sahuran ko.
I hope masagot niyo po ang tanong ko. God bless po

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