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MOTORCYLE LOAN (SURRENDERING THE MC)

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1 MOTORCYLE LOAN (SURRENDERING THE MC) on Sat Sep 21, 2013 3:48 am

kikzloka


Arresto Menor
Hi. I need legal advice sa inyo. hope matulungan nyo ako.

regarding sa motorcyle loan ng asawa ko sa motortrade to name it. he had the loan before i met him. so eto ngayon,.bank of makati na ang nag-claim sa kanya ng debt nya. as in yung cost is worth three brand new motorcycles. i understand naman part na ng bank.ang maningil pero kasi may negligence rin yung motortrade e.

ganto kasi raw yun before. nung nag loan ng motor, 2005 pa, second hand pa and galing pa aksidente. nabayaran lang ng 2-3 months then nagdeclare na sa company na.hindi na kaya bayaran due to financial problem. wherein.the staffs alam naman,.ilan pa raw sa kanila ang nagpunta sa bahay to check the motorcycle. actually, hindi agad.nila binatak e. after 3 months may nagpunta, tinignan lang motor. another months passed, may.nagcheck uli.kasi nagfollowup, ayun nga, palitan raw speedometer. then wala na talaga paramdam hanggang sa tumagal ang.motor ng years! so.na-stock na.

last year, 2012,.the bank.was claiming sa kulang. magulo mga kausap namin sa bank at atty kuno na kausap namin. hind tally mga amount. sabi s brgy nasa 70k+, the notice letter was 90k+ then the collecting agency was 80k+. tjen i.ask the.girl na kausa ko sa.collecting agency bkit hindi sila tally. DAHIL RAW SA DISCOUNT. and.she.was even scaring me na.recorded raw usapan namin. savi ko na much better yun.na recorded. yung atty naman na.kausap ko, nananakot na.they'll file.subphoena against my husband. then may time na may.tumawag uli na SPO4 kuno dahil may.nreceive clang complaint regarding sa motor. grabeng call harassment naranasan namin. until.nagend up.usapan na.pay 10k.in full.muna bag isauli.motor na in.good.running condition. we didnt comply kasi wala po.talaga.kami.pera.

i.forgot to.add , the motortrade branch.in.our place.doesnt have file.copies of old accounts.nung nag ask.kami sa kanila. mga staffs wala alam kasi hind.rin nagtatagal.mga employees dun. sabi sabi pa at kalat na yung mga old accounts raw, dinala ng dating manager.dun kaya.wala.na sila hawak na mga copy.

so.fast forward. etong month lang. may.letter uli. pero mas maayos na yung kausap kong staff sa bank compare sa mga dati. nagask rin ako copy ng contract, i have to go personally sa nearest branch of bank nila. kaso halos 4hrs away pa. they cant snail mail o email a copy. pero naging ending is much better sa mga nakausap ko dati, what he told me was to return the motorcycle in good running condition. so effort ako ipagawa sa kakilala mekaniko. okay na sya as in, para maclear na sana account asawa ko. kaso ako raw magdadala sa branch. kaya nga raw voluntary surrender, kahit magassist.ung motortrade ayaw.kahit sila.may sasakyang pang hatak. hindi raw.nag hahatak. lagi raw voluntary surrender kahit marami nagsasabi na kakilala ko.may.motor rin na dapat sila mag hatak sa motor.

yun, we are about to return it the other day para.macheck rin nila. kaso WALA RAW SLOT. WALA PAGLALAGYAN MOTOR SA BRANCH AT.MAS PRIORITIZE NILA ANG.NEWER MODELS PAG ISUSURRENDER. after kami.pamadaliin na isauli.motor, saka kami tatanggihan, sinuggest pa.kami sa branch.na.malayo isauli.motor kasi.maluwag raw doon. sabi.ng.manager sa motor trade.kahit sa mfa following months, malabo pa raw magka slot ung branch pra masauli.ung motor. we are willing to surrender na pero wala e. mastock na naman ung motor.

the man at the bank.told me if hindi p.rn nasauli at the end of this month, i have to pay kahit 1k para.nde raw madala.on.legal process account.ng asawa ko. e ano magagawa ko, yung branch na kinuhanan at pagsasaulian ng motor ayaw tanggapin because of slot issue.

baka interesan na naman.kami habang waiting for a slot,.malayo kasi ung sinuggest na pagsasaulian, 2-3hrs away at.much better. rn ireturn sa pinagkuhaan db po?

sabi ng pinsan ko nga balikan ko.motortrade at manghingi ako.kasulatan na yaw.nila.tanggapin motor at pirmahan para may hawak ako baka sa sunod na may.magclaim uli ibahin na naman usapan raw. ipa notary to public.ko raw. tama po ba yun?

feeling ko.kasi.masasayang rin effort ko kasi nagpunta rin ako before sa branch na may dala letter requesting for contract copy or any files regarding sa account. e wala nga mapakita. ayaw naman rin nila pumirma at.mga natatakot ata.

hope you can help.me. masyado naging complicated kasi etong case na to e.

para mabawasan na isipin. at malaman ano mas better action.


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2 Re: MOTORCYLE LOAN (SURRENDERING THE MC) on Sat Sep 21, 2013 4:01 am

kikzloka


Arresto Menor
2006 po pala dated loan, hindi 2005

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3 Re: MOTORCYLE LOAN (SURRENDERING THE MC) on Sun Sep 22, 2013 10:29 am

attyLLL


moderator
if you give the vehicle, the debt will be extinguished


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4 Re: MOTORCYLE LOAN (SURRENDERING THE MC) on Mon Sep 23, 2013 9:39 pm

kikzloka


Arresto Menor
we are ready to return it na. kaso ung branch n pinagkuhaan, wala raw slot para tanggapin ung motor. so no choice, nasa custody o rn nmin. yun nga lang bka pbayarin kmi whike waiting for a slot e, o bka sa susunod ibahin uli usapan

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