First of, I'm glad and would want to thank you that you did come up with this free legal advice.
I bought a piece of jewelry which cost Php36,000.00++ including interest payable in 3 months. I have given the seller 6 posdated checks. The first check went good but I paid him cash and he agreed on it, second check onwards was not yet deposited because I told him that I am currently unemployed and no other means of putting up the agreed amount for now, but I always follow constant communication with the seller. In fact I gave him my remaining Php1,000.00 to at least deduct from my remaining debt.
I told him all my situations and whatsoever. We've actually already had an agreement to wait for my backpay and will pay him off, however, for some reason that we bumped into a bad conversation, this seller keeps on talking behind my back and to my other officemates which I'm also owing money that I can't no longer pay them when it is none of his business anymore, is this a clear "oral defamation?" Because of what he did some of them got worried and confronted me, when these officemates and I already had an arrangement.
I confronted the seller of the jewelry and we both gets in to each other's last nerves.
He threatened me that he will deposit all my checks and will file estafa. My account was already closed but prior issuing him PDC, my checks were active, it did close because of insufficient penalty (bank rule).
I still have our agreed-conversation and every messages that he's sending me he keeps threatening me that he will deposit my checks and file a case. I have in all good faith that will pay him and constantly communicating with him, is that already a clear estafa? How do I deal with this? Should I be worried?
Sorry for long post, this is giving me too much stress and depression.