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Unsettled loan balance

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1 Unsettled loan balance on Wed Sep 24, 2014 10:57 am

Nezzy


Arresto Menor
I have a current loan balance in Tong yang Bank. ang naapproved po sa akin is P40,000 mga 2005 pa po un. nakapag hulog naman po ako ang kausap ko po is ung collector talaga ng Tong yang. until nag retire na ako sa pinapasukan ko at nawala ang cp ko. wala na po kaming contact pero ung kausap ko eh binigyan muna nya ako ng SOA ko (Statement of Account) kc aalis na rin sya ng Tong Yang Bank.

Until last 2010, ung co-maker ko po pinadalhan ng demand letters s house nila, at hinarass po sya ng bayaran ung balance ko since nde nila ako makontak. Nung nagusap kami ng co-maker ko pinadala nya sa akin ung demand letters, nag reply po ako thru email and asking them regarding the details of computations of a certain SOA na lumaki na po ang interest. after that replied wala na po kaming narinig s kanila. After 1 year 2011 meron na namang nagtatawag s co-maker ko again sinagot ko ung demand letters asking again the details of computation. wala na naman silang sagot ganun din po ang nangyari last year 2013. hanggang ngayon po 2014, nang hharass na po sila sa co-maker ko. tumatawg during office hours s pinagtratrabuhan nya nagreply na po ako and giving them my contact num.Nde ko po maibigay ang address ko kasi may sakit po mother ko baka lalong maharas since nde nila alam na may loan ako na ganito.

Nag exchange communications po kami ng kausap ko from paralegal daw po sya ng Tong Yang Bank. nagsend po ako ng Promissory Letter sa kanila asking na ang kaya ko lang ibayad every month is P500 dahil wala akong work ( note na singe 2010 may pinadala po kaming request na promissory letter sa kanila) wala po silang reply for how many times na exchanging communications for 3 weeks until this week nagsend lang po thru email na denied ang request ko to reconstruct my loan balance. wala pong attachment na docs na a certain person signed the dissapproval of my request.

May nag text po sa akin na head daw sya na ipapa court na daw po nila ako dahil nireregret ko and refusing to settle my account. May right naman po ako na tanungin sila bakit ganun kalaki ang balance ko? dapat po sana principal nalang po. at bakit madedeny po ang request ko. reasonable po naman ang dahilan ko.

sana matulungan po ninyo ako kung ano po ang next steps na dapat gawin since sinagot ko po ung text msg ng head ng collection dept nde po thru text kundi pinasend ko po sa co-maker ko thru fax. take note lahat po ng communications namin sa email ay naka cc: po ang co-maker ko.

Salamat po and God Bless

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