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Anu -anu po ang mga grounds ng stafa?

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1 Anu -anu po ang mga grounds ng stafa? on Wed Sep 29, 2010 10:25 pm

vpe34


Arresto Menor
Nagkautang po ako sa credit card attorney sa halaga na 65k pero nagbabayad ako mga about 30k na sa kabuuan.Buwan buwan ko yong hinuhulugan hanggang sa di inaasahan pangyayari nagkasakit ang asawa ko at ginamit ko lahat nang laman ng card sa hospital bill at sa gamot at iba pa.Palagi ako pinagsabihan ng di mabuting salita sa telepono ng naninigil sa akin minura pagkatao ko ni di ko man tinatakasan obligation ko. May palaging tumawag sa bahay na taga CIDG daw at pupusasan ako pag di ako maghuhulog ng pera. merong attorney alfonso na tumawag dahil stafa daw case ko dahil sa di pagbabayad ng utang.
Ang mga tanong ko attorney:
1. paano gagawin ang amicable agreement ? pwede ba yong sa text lang at magsasabi siya na maghulog ka sa halagan 10k within one week? ni wala akong natanggap na legal documents at wala din akong pipirmahan?
2. Pwede ba yong idiritso nila ako sa CIDG na di naman po ako criminal? at CIDG ang magaasekaso dito?
3. Pwede ba ako mag file ng counter charge against sa mga taga citicard personnels na nagmumura sa pagkatao ko?
4. anu anu ba talaga ang mga grounds ng stafa ?
Please i need your response po!!

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2 Re: Anu -anu po ang mga grounds ng stafa? on Thu Sep 30, 2010 2:07 pm

attyLLL


moderator
those are foul tactics. i'm sure most of the threats are bogus. what i advised one client was to connect his computer to his phone, and when these collectors call, he tells them he is recording the conversation. this only served as a deterrent to their foul tactics. note that the obligation to pay will still exist. you can also change your telephone number.

the law covering credit cards is the access devices regulations act. what you should not do is change residence or office address without informing the credit card company because this will raise the presumption of fraud.

they are resorting to these tactics because they know that a criminal complaint against you will not prosper.


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3 Re: Anu -anu po ang mga grounds ng stafa? on Thu Sep 30, 2010 11:37 pm

vpe34


Arresto Menor
Thank you so much for the advise attorney at last makakatulog na ako dito..Paano ba gagawin ang amicable agreement attorney kasi sabi ng tumawag sa akin na si attorney alfonso alfonso daw ay maghuhulog daw ako ng 10k tsaka yong 65k ko na nauutang ay naging 196k na ngayon pagmakAPAG deposit daw ako ng 10k gawin nalang daw nilang 30k pero wala akong matanggap na papel na pipirmahan.. nalilito ako attorney kasi takot ako makulong..
Please help me.

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4 Re: Anu -anu po ang mga grounds ng stafa? on Sat Oct 02, 2010 7:00 pm

attyLLL


moderator
i recommend that you deal directly with the credit card company. you can change your numbers so these collection agencies will not contact you.


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5 Re: Anu -anu po ang mga grounds ng stafa? on Thu Oct 14, 2010 12:04 am

vpe34


Arresto Menor
Attorney andito na naman ako para hingin uli ang advise mo. MAy text akong natanggap galing na naman kay Attorney Alfonzo regarding my credit card accounts. It is stated that " ATTENTION VPE34 AFTER A MONTHS OF CALLING, NEGOTIATING AND SENDING YOU DEMAND LETTERS WITH REGARDS TO YOUR CIXXXNK ACCOUNT W/C UNTIL NOW REMAINS UNSETTLED, WE'VE COME UP WITH THE DECISION TO FINALLY FILE A CASE AGAINST YOU. CIVIL COMPLAINT SHALL BE SERVED
AT YOUR RESIDENCE ADDRESS. WE;VE TRIED TO CALL YOU AND EVEN TEXT YOU BUT YOU CONTINIUOSLY IGNORE OUR CALLS.iF YOU WISH TO COMMUNICATE US AND BE ABLE TO HOLD THE CASE AGAINST YOU .YOU MAY CALL OUR ACCOUNT COUNSEL MR. MENXXXA TODAY. IF WE DO NOT RECEIVED ANY CALL FROM YOU TODAY IT ONLY MEANS THAT YOU ARE WILLING TO FACE THE CONSEQUENCES OF A LAW SUIT" those statements are coming from Attorney AlfXXX AlfoXXX ,What will i do with this attorney.. i did not change my number i just diverted the call but i can receive their text message.I did not receive any demand letters from them. i didnt mean to escape from my debt but as of now i am financially constraint. i cant manage to pay it now. PLease help me. i dont know what to do with this..

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6 Re: Anu -anu po ang mga grounds ng stafa? on Thu Oct 14, 2010 7:08 pm

attyLLL


moderator
now they say they will file a civil complaint after all their foul tactics.

i'm afraid the bank has the right to claim what is due to them, but a civil case is only about collection of money and damages. it is not a criminal case where you may be imprisoned. pera lang walang kulong.

you have many defenses such as an equitable reduction of interest, but the principal will have to be paid. if you do not have properties in your name that can be taken to pay for the debt, then there is nothing they can do.


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7 Re: Anu -anu po ang mga grounds ng stafa? on Mon Oct 18, 2010 10:42 pm

aj_0198


Arresto Menor
Attorney, ang credit card ko po ay AxG, huling ginamit ko ito was 2008 since then di ko na ito ginamit dahil nag worry ako na baka malubog ako sa credit card, kahit yung renewal ay tinanggihan ko i receive para di ako ma tempt na gamitin ko ito, last balance ko was around 30 k,for almost 2 years i was paying 2,200 monthly, kaso napansin ko sa finance charges lang halos napupunta ang binabayad ko, hanggang yung AIG ay in absorb ng EAxxxxxBANK mas lalong lumaki yung interest plus yung yearly membership fee kaya nag request ako ng amnesty or flexi term at pagka kansela ng credit card ko, at ang ginawa ko pong dahilan ay mag a abroad na po ako, hindi po sila pumayag at nakipagtalo po ako dahil ini insist ko na 2 yrs ko na itong di ginagamit bakit ayaw nilang pumayag. di ko na po ito na settle dahil nabibigatan na po ako. Kung sino sinong tumatawag at nang ha harass sa office at sa bahay namin, kaya minabuti kong sabhin na nag resign na ko, I suggested na thru email na lang kami mag communicate, and hindi naman po silan nag e email, and now, may tumatawag na Chief Inspector daw sya sa Makati a certain RYAN SAxxxxx and telling na may warrant of arrest daw ako. ano po ang dapat kong gawin?

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8 Re: Anu -anu po ang mga grounds ng stafa? on Mon Oct 18, 2010 10:48 pm

aj_0198


Arresto Menor
Nag punta pa sila sa barangay namin at ni notify na may pending summons daw ako, nagbigay ng telephone numbers at Mobile yung Chief Inspector, ang punto ko po kc dito, hindi ko na nga po tinanggap yung renewal ng AIG pati yung card na in issue ng EASTWEST BANK bakit ayaw nilang pumayag na i settle ko ito ng paunti unti hanggang ma fully paid ko ito? hindi po ako criminal para i harass nila ng ganito, May 3 anak po ako at wala po akong kaso para i bandera pa nila sa barangay namin yung tungkol dito na wala naman silang iniwan o ipina receive na warrant of arrest it's just a piece of paper lang na pangalan at tel. number nong Chief Inspector Ryan SXXXXXgo, I tried to search the number given to me pero walang nag register na number na yun under MAKATI POLICE OFFICE.

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9 Re: Anu -anu po ang mga grounds ng stafa? on Mon Oct 18, 2010 11:06 pm

attyLLL


moderator
too many police are willing to moonlight as collectors to earn commissions. call makati city police and ask whether there is a cinsp by that name. you can file a complaint if there really is no warrant of arrest.

you should also ask the bgy to issue a statement that the police said that there is a warrant. these collection tactics are foul.


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10 Re: Anu -anu po ang mga grounds ng stafa? on Wed Oct 20, 2010 12:12 pm

aj_0198


Arresto Menor
Atty, Nag verify na po ako sa Makati City Police Warrant Section at nalaman ko pong walang Chief Insp. Ryan Santiago doon, hindi ko po tinawagan yung landline number at celphone na ibinigay nya tumawag po ako sa number as per telephone directory and yung binigay nya po sa akin ay taliwas sa number ng Makati Police. Ang sabi po sa barangay secretary na naka receive ng call may pending na court summon & subpoena daw po ako at ibinigay pa po ang case # CC-881C810-10. Ang tanong ko po, puwede ko po bang ma verify ito sa Makati Warrant Section? Gusto ko din pong tawagan yung number nong Chief Insp. Ryan Santiago, puwede nyo po ba ako mabigyan ng advice kung pano ko sya kakausapin?

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11 Re: Anu -anu po ang mga grounds ng stafa? on Thu Oct 21, 2010 12:23 am

attyLLL


moderator
ask for his details such as where he is stationed so you can file an admin case against him if he is actually in the police force, which i doubt.

again, i believe these are all just scare tactics. i recommend you negotiate directly with the bank on how to pay your loan. the normal settlement method is that you pay a down payment and the rest is in installments.


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12 Re: Anu -anu po ang mga grounds ng stafa? on Thu Jun 28, 2012 4:36 am

Attorney hihingi sana ako ng legal advice. May utang ako sa aking kaibigan na 17k di ko pala alam na galing yun sa bayaw nya. Tapos dumaan ang 8 buwan di pa ako nakabayad kasi wala pa akong work at student pa. Kaya isang araw pumunta yung bayaw ng kaibigan ko sa bahay namin at pilit na pinapipirma ako ng promisory note. Sila ang gusto kung magkano dapat bayaran ko every 15 days at yun ay 5k. Pero wala parin akong pera diko nabayaran ang utang ko. Ngayun pina baranngay nila ako tapos hanggat dumating na sa file ng case sila dahil di daw na settle kami sa barangay. Poseble bang kasuhan ako ng stafa? anong unang gawin ko pag nag file na sila?

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13 Re: Anu -anu po ang mga grounds ng stafa? on Thu Jun 28, 2012 10:32 pm

attyLLL


moderator
if you are able to defend yourself properly, i do not believe it will prosper


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14 Re: Anu -anu po ang mga grounds ng stafa? on Tue Oct 30, 2012 8:30 pm

cleverjoe92


Arresto Menor
Atty, good day po. Nag loan po ako sa chinatrust Jan 2010 amounting to 125k. almost paid na po ako but may mga months na diko nahulugan. May check po sila na pina sign sa akin 36 months po. Monthly nagbabayad po ako but due to financial crisis may mga months na delay. Sa tanya ko po mga 6 months po yung overdue ko. Pag nadedelay po ako nakakareceived ako ng mga mura and pambabastos from one of the staff daw po sya ng chinatrust but still nagbabayad pa rin ako. Last Oct 2011, nag email po ako sa kanila asking for statement of account para alam ko how much pa po yung due date ko. Hindi po sila nag reply. Dumawag po ako sa chinatrust natransfer na raw po sa collecting agent yung account ko pinatawag po nila ako sa something attn. Palisoc. Sabi nya kailangan ko raw po bayaran amount due ko na 100k mahigit. nagulat po ako dahil sa pagkakaalam ko po 6 months na lang po ang utang ko. Kung hindi ko raw po babayaran yung 100k magkita na lang daw po kami sa court for estafa case na demanda nila. ano po ba dapat ko gawin..

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15 Re: Anu -anu po ang mga grounds ng stafa? on Thu Aug 01, 2013 8:17 pm

junelmondano


Arresto Menor
good day, atty may friend ako na may utang sakin 8k, kahit maliit lang yan pera yan diba? pinag hirapan yan at ngayon may kunting pag tatalo. anu pwede kong gawin.

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16 Re: Anu -anu po ang mga grounds ng stafa? on Fri Oct 18, 2013 12:09 am

question0


Arresto Menor
ask ko lang po ng training po kc ako kilalang company pero 1 week lang po ako kc elimination pero nkita ko po ung credit card ko may sahod ako for 2 months galing sa knila pero that week po ngresign na ako then continue pdin ako nkkreciv ng sahod stafa case po ba ito pg d ko sinoli?, at kung nde anung case cya?

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17 Re: Anu -anu po ang mga grounds ng stafa? on Fri Oct 18, 2013 7:54 pm

attyLLL


moderator
it's estafa


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18 Re: Anu -anu po ang mga grounds ng stafa? on Wed Oct 30, 2013 4:55 pm

question0


Arresto Menor
bakit po cya nging estafa? khit po ba wala akong pinirmahan?

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19 Re: Anu -anu po ang mga grounds ng stafa? on Wed Oct 30, 2013 5:51 pm

attyLLL


moderator
art. 316

5. Any person who shall accept any compensation given him under the belief that it was in payment of services rendered or labor performed by him, when in fact he did not actually perform such services or labor.


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20 Re: Anu -anu po ang mga grounds ng stafa? on Tue Dec 03, 2013 11:08 am

deepconcern


Arresto Menor
helo po atty!patulong po sana ako regarding po sa situation ko.
member po ako ng direst selling.
meron po kasi akong existing na hindi pa nabayaran na direct sales sa up line ko.
nakikiusap po ako sa knya na babayaran ko.pero nagsend po agad xa ng final notice through law office na lahat daw po ng account ko eh back to its original(back to gross) and may penalty pa daw.so umabot ng more than 300k.ang scenario pa po eh trust receipt agreement po ung ginagamit namin pag nagbabayad ako taz pag kumukuha ako ng products sa aknila..hindi po official receipt.taz may nareceice n po ako final notice na estafa daw.
ang alam ko po eh hindi pa umabot ng 100k pero dahil daw sa penalty kaya nanging 300k plus.
andito po ako sa ibang bansa.maging basis kaya un para mapauwi ako?.
enexplain ko pa sa knya na naghahanap ako work para makabayad.
plss...help..thank you!

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21 Re: Anu -anu po ang mga grounds ng stafa? on Fri Jan 31, 2014 1:53 am

mktorrecampo


Arresto Menor
Good day po. Here it goes, Ng pagawa ako ng phone ko(samsung galaxy s3) original po ito alam naman natin how much it is. so going back, ng pagawa ako sa may isetan quiapo, yun kasi pinaka malapit samin. ang sira ng s3 ko is ng ON/ OFF siya. so pinakita ko yung unit he gave me the price 500 sige sabi ko go na kinalikot niya na agad so sabi naman niya kaya niya gawin. now halos isang bwan mahigit na sakanya buong unit ko at di padin niya nagagawa at now di na ng ON kahit onti yung phone. Binabalik niya sakin ng ganung condition what can i do? sobrang sayang naman phone ko and pano kung mas lalo lumala yung case nung phone diba? kawawa naman ako.

Thank you po in advance!

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22 Re: Anu -anu po ang mga grounds ng stafa? on Sat Apr 26, 2014 10:30 am

scumbads


Arresto Menor
good day po atty.

help naman po may unsettled loan amount ako sa P.Bank, na 10k, then they send demand letter na worth 60k na, tapos may discount daw ako babayaran ko na lang ay 25k, sabi ko wala akong ganyang pera aayusin ko na lang sa banko yan, ayaw nila pumayag kasi sila daw nag aayos, tapos ngayon pinapatawag daw ako kay major major palisuk diko tinawagan kasi duda ako amy criminal case daw po ako..pa help naman po kung ano dapat kong gawin ginigipit na nila ako masyado..babayaran ko naman po yung unsettled amount pero yung tamang obligasyon ko lang hinde na kasi makatao yung hinihingi nila eh....sana po matulungan nyo po ako..

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23 Re: Anu -anu po ang mga grounds ng stafa? on Wed Jun 04, 2014 6:54 pm

enelym


Arresto Menor
Hello po atty. Sir, ask ko lang po ksi meron mga taopng nag invest sa kin nasa 3M po iyon, pinapaikot ko po iyon, pinapautang ko po sa iba + the interest. pero pinupull out na pi nila yung pera nila, inamin ko naman po sa kanila na ung iba is tinakbuhan ako tpos ung iba po nagamit ko. May pinirmahan po akong promisory notes sa kanila, grounds na po ba iyon pra makulong ako. Hindi ko naman po sila tatakbuhan kaya nga lang po sa ngayon is wala tlaga akong pambayad, ang hinihiling ko po IS ALISIN NA NILA ung interest pra mabayran ko po sila ng unti unti

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24 Re: Anu -anu po ang mga grounds ng stafa? on Wed Jun 18, 2014 11:16 pm

margietai03


Arresto Menor
Hi po.. gusto ko lng po humingi ng tulong. ako po ay nangangamba n baka makasuhan. Ganito po kasi ang nangyari ako ay isang mangungutang, yung inuutangan ko ay nagbigay sakin ng offer na magpautang sa aming company. ngayon ako ang bahala mghanap ng taong mangungutang. Ang terms po namin sa una ay 20% per month, bale magiging 2 gives, malinaw n usapan yon, nung nagumpisa na ung mga tao inuna ibinigay yung interes, sa pagaakalang ung pangalawa hulog ay ibabawas sa principal na utang. habang tumatagal ang naging patakaran nung nagpalabas ng pera ay kung tubo tubo ok lng pero wala kaltas sa principal, dahil doon nahirapan mkabawi yung mga tao naging dahilan para ipacancel o ipabloack yung mga atm nila, kasi yung atm nila ang nagserve n collateral, dumating sa punto na naterminate na yung iba yung iba ng awol na lang gawa ng hindi n sila makaalis sa pagkakautang, ngayon since wala na yung mga tao ako na lang yung natira. tinatakot nya ako n kakasuhan kung hindi ko maibalik yung pera pati tubo. ako ay hamak na empleyado lamang umabot sa 450000 ang hindi nabayarang utang. pede ba ako mkasuhan n stafa?ano po dapat kong gawin?

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