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Panghaharass dahil sa utang sa Five-Six

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1 Panghaharass dahil sa utang sa Five-Six on Tue Sep 14, 2010 1:37 pm

crissins


Arresto Menor
Nanghiram po kasi ako sa isang kakilala. Tinutubuan po ako ng 5% kada buwan at babayaran ko daw po sa loob ng 3 months (every 15 days po ang bayad). Nung una po ok naman po kasi nakakabayad po ako kaso po nito pong pang-apat kong hulog hindi po ako nakapagbigay kasi po nagkaproblema po yung sahod ko. Ipinaliwanag ko po iyon sa pinagkuhanan ko at nakiusap na kung pwede sa susunod ko na lang iadjust ang bayad. Ang nangyari po kung ano ano na po ang sinasabi sa akin kahit sa harap ng maraming tao na sobrang napapahiya na po ako. Tapos pinadalhan pa po ako ng note na sinasabi na ayusin ko daw po yung utang ko. Kahit po anong paliwanag ko na hindi ko naman po kagustuhan ay ayaw pong tanggapin. Dahil sa isang opisina po kami maya't maya po sya nagpaparinig at maya't maya din po nya ako kinakausap. Sobrang emotional stress na po ako. Minsan nga po naiiyak na lang ako. Ano po ang dapat kong gawin?

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2 Re: Panghaharass dahil sa utang sa Five-Six on Tue Sep 14, 2010 7:51 pm

attyLLL


moderator
do you have a written contract which states the amount of interest?


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3 Re: Panghaharass dahil sa utang sa Five-Six on Wed Sep 15, 2010 10:41 am

crissins


Arresto Menor
wala po akong pinirmahang contract o kahit na ano pa mang kasunduan. nito pong huli pilit na po nyang kinukuha ang ATM ko pero hindi ko po binibigay. ang sabi rin po nya eh dodoblehin daw po nya ang tubo dahil sa pumalya daw po ako ng paghuhulog. ano po ang dapat kong gawin? natatakot po ako sa eskandalo na pwede nya pa pong gawin sa akin.

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4 Re: Panghaharass dahil sa utang sa Five-Six on Thu Sep 16, 2010 7:42 pm

attyLLL


moderator
there is no question that you owe the principal, but as for interest, the law requires that there be a written agreement for interest to be demandable.

5% per month is also a very high interest rate and may be declared unconscionable.

i recommend that you leverage these legal principles to work out a sensible restructuring of your debt. or just pay the principal but absolutely no the interest but this will escalate your conflict.

document her acts. see if the persons who heard her statements will be willing issue affidavits. you can file a complaint for unjust vexation or oral defamation.


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5 Re: Panghaharass dahil sa utang sa Five-Six on Thu Sep 16, 2010 8:22 pm

crissins


Arresto Menor
maraming salamat po. nabawasan po ang pangamba ko. salamat po ulit.

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