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please help me....OFW loan...

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1 please help me....OFW loan... on Fri Oct 01, 2010 2:06 pm

melaniec


Arresto Menor
Atty i just registered today..nanginginig po talaga ako sa takot, di ako makatulog.

March 2009 po,nag loan po ako sa isang lending company dito sa Manila..OFW loan amounting to 30k.Pagdating ko sa abroad na ospital anak at mother ko at nagka utang utang din po ako sa abroad kaya for the first 3 months di po ako nkbayad sa bank na nag released ng pera but the succeeding months po unti unti nkbayad na po ako thru kwarta padala but di po ako nakakatanggap ng any notice of acknowledgement from the lending company. At Minumura na po ako sa email ng isang employee ng lending company.I replied na nagpapadala naman ako ng bayad. I emailed to them the reciept numbers at name ng employee ng lending company na pinadalhan ko.Sabi po sa email nila di na daw po connected yong employee na pinadalhan ko so binigyan nila ako ulit ng another name at nagpadala po ako ulit pero same story di po nila ako binigyan ng statement of account. Dapat daw magbayad muna ako ng malaki amount before nila ako mapadalhan ng statement of account kasi daw po talbog na daw po ung PDC issued by the bank ( pag release po kasi ng 30k may kasama 1 check book na pinirmahan ko and 14 checks stating the amount and date of payment at ang remaining blank check booklet po ay kinuha ng lending company, as i remember meron pa po 4 checks na pinapirmahan lang without any amount written on it ,in case daw po magka problema sa payment gagamitin nila yon )

December 2009 kamuntik nag suicide anak ko dalaga kasi po nag txt sila ng ng txt sa anak ko.Masasakit po tlga na salita same what im recieving in my email.
Until on my 1 year sa abroad umuwi po ako kasi di tumupad employer ko sa contract. i paid my own ticket.
Sa ngayon po naka schedule na po ako umalis ulit going Saudi. I was here in the philippines for 4 months. Hirap tlga po financially iniwan pa po ako ng asawa ko kasama 3 anak ko.Takot na takot po ako pumunta sa lending company kasi sabi po nila sa kapatid ko naka demanda na daw po ako.I am willing nman po e settle yong utang ko pero pag naka alis ako ulit pa abroad.

Di po ako makatulog, nanginginig po ako sa takot lately mula ng nabalitaan ko na tumatawag sila sa ate ko, naka newspaper na daw po ako..

Please po tulungan nyo nman ako what to do..Ma hold po ba ako sa pag alis ko? sa immigration? ready na po pag alis ko as in my visa at medical na po ako.

Gustuhin ko man po pumunta sa office nila takot na takot po ako na baka ipahuli ako sa pulis at di na nila ako pakawalan kasi sa ngayon po wala po tlga akong pera pambayad.

Please.......im begging you...i need your advice...God bless you po..
thank you so much

my email add po...melaniec99777@yahoo.com

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2 Re: please help me....OFW loan... on Sun Oct 03, 2010 10:20 am

attyLLL


moderator
i take it that your main concern is whether there is a pending case against you and if you will be held at immigration. the best way is to verify.

Go to the bureau of immigration to verify your status and whether there are any alerts on you. Get an NBI clearance to see if you have any hits.

the possible criminal cases that can be filed against you is bp 22 for each of the bounced checks. but you should received notices from the court or prosecutor's office.

you can also retain a lawyer to deal with the lending company. change your telephone numbers to prevent them from harassing you and your family. good luck.


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3 Re: please help me....OFW loan... on Sun Oct 03, 2010 3:31 pm

melaniec


Arresto Menor
thank you so much po....inspite of all the threats and pananakot since September 2009 thru emails and by calling my relatives i took the risk of renewing my NBI clearance last july 15, 2010... thanks God im cleared.
Another question ko po...may nabasa po ako sa website din giving legal advices na kahit my BP22 case n daw po nk file eh, its not a ground to issue a Holding departure order.tama po ba?
Since thru email lng po ako pwede makontak...paano po nila mapapa recieve yong court order kung meron man since until now di nman po nila alam ang address ko?
I will retain a lawyer to deal with them as soon as maka abroad na po ako ulit...
Im sorry pero po please guide me how to verify in the bureau of immigration...
Thank you so much po....I really appreciate your advices..
God bless you and your family.

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4 Re: please help me....OFW loan... on Tue Oct 05, 2010 12:22 pm

attyLLL


moderator
yes, the MTC cannot issue a hold departure order, but if you do not appear in court, it will issue a warrant of arrest. the complainant can also request from the DOJ that you be placed on the watchlist to prevent you from leaving.


_________________
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Warning and Disclaimer: I am not your lawyer; and you are not my client. With the limitations of an  Internet forum, a thorough review of your concern is not possible. View my comments at YOUR OWN RISK. It is best to actually retain a lawyer for your individual concerns.
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5 Re: please help me....OFW loan... on Tue Oct 05, 2010 12:59 pm

melaniec


Arresto Menor
Attorney wla nman po ako na recieve any letter of demand or any notice requesting me to appear in court kasi po email lang contact namin before then di po nila alam address ko now ....pano po yon. Thank you so much po..
God bless you...

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6 Re: please help me....OFW loan... on Tue Oct 05, 2010 10:21 pm

attyLLL


moderator
what about at your old address? the one that the lending company knows about.

again, please see my post no.2 what to do to find if there is a case against you. good luck.


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Warning and Disclaimer: I am not your lawyer; and you are not my client. With the limitations of an  Internet forum, a thorough review of your concern is not possible. View my comments at YOUR OWN RISK. It is best to actually retain a lawyer for your individual concerns.
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