Free Legal Advice Philippines

Disclaimer: This web site is designed for general information only and does not create attorney-client relationship. Persons accessing this site are encouraged to seek independent counsel for legal advice regarding their individual legal issues.

Log in

I forgot my password




You are not connected. Please login or register

Help please, almost over the edge...

View previous topic View next topic Go down  Message [Page 1 of 1]

1 Help please, almost over the edge... on Wed Aug 21, 2013 6:30 am

ericaguilar


Arresto Menor
Hi Moderator,
I need help sa Citibank credit card ko. Sa ngayon yung latest bill nila sa'kin is over 70K. Naka kuha po ako ng statement of account from Citibank, tapos I checked on yung actual purchases and loans, yung parang principal amount yung kinukuha ko muna, yun yung talagang nagamit ko na pera from them.
I crossed referenced it with my actual payments, total payments sa pa unti-unting bayad. Nakita ko na mga 2,500 nalang yung actual na utang ko kung yung principal amount lang yung pinag babasehan.
Meaning, yung mga 70K na bill nila sakin are mostly surcharges na. Di ko na po alam ang gagawin ko. Gusto ko sanang bayaran yung 2,5K pero yung lang kaya ko. Wala po akong stable na trabaho.. doon po nagsimulang naging delinquent yung account ko sa kanila. Pero pa unti-unti po akong nagbayad kya lumiit nga yung parang principal amount lang.
Ano po ba ang dapat kung gawin?Sad 

View user profile

2 Re: Help please, almost over the edge... on Wed Aug 21, 2013 1:42 pm

Atty.Melki


Arresto Mayor
Talk to Citibank and negotiate a final amount and terms of payment.

View user profile http://www.jimenolaw.com.ph/mlm.html

3 Re: Help please, almost over the edge... on Thu Aug 22, 2013 10:48 am

ericaguilar


Arresto Menor
Hi Atty Melki,

Salamat po sa reply.
Kung iba base ho ba natin sa batas natin sa pilipinas, ilang percent po bah ang dapat ipatong; like for example, sa total principal amount na nautang ko.
Ang iniisip ko po kasi, na yung 70K ay masyadong mataas sa 1 year and 3 months na surcharges. Kung kailangan ko pong mag bayad ng surcharges, ano po bang nakasaad sa batas natin na ilang percent dapat na at least dapat mabayaran ko. Mga 50K yung total principal amount.Crying or Very sad Crying or Very sad Crying or Very sad 
Yun yung sanang amount ang ipopropose ko sa kanila kung makipag-negotiate ako. Ok lang po ba yun?

View user profile

Sponsored content


View previous topic View next topic Back to top  Message [Page 1 of 1]

Permissions in this forum:
You cannot reply to topics in this forum