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litigation payment of credit cardt

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1 litigation payment of credit cardt on Mon Sep 30, 2013 12:12 pm

joemar


Arresto Menor
kumuha ako ng credit card noong 2011, nagamit ko din agad nakakabayad nman po ako ng monthly until such time na naputol yung pambabayad ko, dala ng financial crisis. nawalan po ng trabaho kasi yung asawa ko at sunod sunod ang problema.
pag may pera ako, inuuna naman siyang bayaran .
until they offered a reconstruction payment for one year amounting to 1,656. in my good faith, nagbabayad nman po akonka ilang bayad din ako. but unfortunately na stop na naman. when i totallled all my payments (O.R) overall 22-24 thousand na pla nbayad k, something close to that kc. po d k na mabasa un print. somebody from the law firm called me up repeatedly to settle the amount of 45 down to 25 thousand or else they will file a case, litigation daw. nagpapaliwanag ako, na i dont have money to pay that big amount and we are on financial crisis and my daughter was in the hospital at that time, but stillthey insist. they send messages na magpapadala sila ng legal team sa office to investigate me and sa kukuha daw sila ng barangay clearance for investigation. nakaka torture po ng isipan. na kung tutuusin interest na lang naman po yun. ayoko na po silang kausap kaya dumiretso ako sa bangko mismo sa credit collection yung may hawak ng account ko.
nasa iforward na daw po sa law office. pinakita po niya un outstanding balance 23,000 daw po. dala ko po un resibo ko at di nman niya tiningnan. instead un payment sa recontruction lang na 7,000 lang daw po un nbayad ko. upon deactivation ng credit card. they terminated my account after a few months of non payment. during activation ng credit card nkakabyad nman k. di nila tiningnan payments ko during activation. kausapin ko daw uli un legal assistant , pero di nman kmi nagkaintindihan. gusto niya magbayad ako ng 23,000 agad, un araw din un. sabi k wla akong pera at nanghiram nga lang ko ng pamasahe pra mkapunta dito s bangko at maayos. hangang sa nanghingi ng 5,000 partial payments para ma i hold daw yung case kailangan daw sa monday (friday po nagpunta k s bangko at nagusap kmi thru phone)
mkapagbigay nko ng 5,000 kung hindi i go go na daw for litigation.. magiging 46,000 na daw po yun babayaran k instead of 23,000. un pagbigay k ng partial payment supposing ay magkkaroon daw ng recomputation and when I ask her kung magkano, wala syang maisagot kundi recomputation. ant hindi raw idededuct un 5,000 sa 23,000 na babayaran ko. wala po bang bisa ang mga binayaran ko.. para s akin interest nalang nman po un habol nila and in my good faith i am willing to pay pro wag naman ganun kalaki kc installment , kya lang gusto nila one
shot payment..ngaun po, malamang na forward na nila s litigation, lalong malaki babayaran ko. ano po ba dapat gawin ko ? torture na po ako tlaga. ang hirap nilang kausap. pasensya na po kung mahaba.. salamat po sana ay mabigyan niyo ako ng ksagutan.

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