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sobrang interest

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1 sobrang interest on Mon Nov 08, 2010 10:50 pm

ranie417


Arresto Menor
Hello po, kasi po me binabayaran kaming utang sa isang tao mga 60thou kasi utang namin good for 2 mos po yon unfortunately hindi namin na fulfill yong obligation namin pero unti unti po naming binabayaran kasi po nag abroad po asawa ko na nabayran na po namin kung susumahen ko po more than 6ok na nabyad ko pero sabi ng pinagkakautagan namin kulang pa daw yong nabayd namin kasi every month nagbabayad ako ng 2500.sa pagcompute ko po ng nabayd ko mga 83k na na bayd ko me inissue kasing cheke don ang asawa ko mahigit pong 2 years na yong pagbabayad namin sa kanya pag tinigalan ko po ba pagbabayad to ano po maaring ikaso nila sa amin,kasi talagan magwawala yon dahil rason nila po nd pa daw kami tapos ssa pagbabayad pero sobra sobra na po nabayad ko.

thank you po Smile

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2 Re: sobrang interest on Sat Nov 13, 2010 4:15 pm

attyLLL


moderator
is there a written contract of loan where the rate of interest is stated? how much is the interest?


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3 Re: sobrang interest on Thu May 26, 2011 1:39 am

innocentgirl


Arresto Menor
gud day, nid ko po ng advice ganto po ang story ko kumuha po ako ng 5/6 s frend ko which is kinukuha daw nya sa ibang tao n never ko na meet since 2008 ko p kinuha ung pera.135k po un..una po bnigay nya saken ng 6% after 2 months ginawa n nya 10% ung interest.nakakabayad po ako ng monthly until 2010 at nagbawas po ako hanga sa naging 115k nlang ung utang.but nitong may 2010 nagkaroon ako ng financial problem dahil umalis ang husband ko den nadidilay ako ng payment ko n interest minsan days lang den ang ginawa nung frend ko pinatungan nya ng penalty per day ung binabayaran ko.so sobrang lumaki xa n 200 per day ang patong so talagang lalo akong nahirapan.den ang ginawa p nya is the nxt month na delay ulit ako den dahil daw dlay ako ng 1 day at may binabayaran daw n 9k ung tao pinabayad nya sakin un ilang beses nya ginagawa sakin un..kailangan ko daw bayaran un dahil kasalanan ko dlay ako ng payment pwera pa ung penalty nya..kc if d ako nka bayad d nyako titigilan ng kaka txt..nagloan ako para lng mabayaran ko sya pero kulang talaga ako s pambayad dahil sobra sya kaka penalty.nitong december 2010 d nako nkapag bigay s knya dhil sobra wala nko maibgay pero puro txt sya saken n idedemanda nyako f d ako nagbayad s knya..den nanghingi sya sakin nung may ng cheke para daw gawin nmin collateral..dun sa tao.saka puro below d belt n ung manga txt messages nya saken.nitong march kinuha nya ung freezer ko para payment daw dahil wala akong binibigay tas april nagpapabayad sya ng 15k pero dahil wala talaga ako nabigyan ku sya ng 5k lng..pero puro txt ang na rcieve ko s knya n pananakot n dedemanda nyako..ung utang ko daw n 115k ay naging 211k n lahat lahat tapos nitong may.pinuntahan nyako nkita nya ako s daan den pinasakay nyako sa car nila tas pinapirma nyako ng may utang ako ng 211k s knya dahil if d daw magsisisigaw sya s labas ng bahay namen..so pumirma ako dahil alam nman nya n at sinabi ko s knya n d ko nman tatalikuran ang utang ko babayaran ko unti unti un dhil talagang wala lng ako ngaun..pero sabi nya wala n daw sya magagawa i fafile n daw nya ung saken s korte and ipakukulong nyako...at ipinasok daw nya ung chek n nasa knya para maging kaso ko p un. ang katibayan ko lng is ung manga txt n pagbabanta nya is cnave ko lahat wala ako binura..anu po b dapat kong gawn nito.. pls tulungan nyo po ak...tnx

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4 Re: sobrang interest on Fri May 27, 2011 1:24 pm

attyLLL


moderator
so you issued a check to her? this is your bank account? it is payable to her?


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5 Re: sobrang interest on Sat May 28, 2011 1:22 am

innocentgirl


Arresto Menor
bali po nanghingi sya ng 1 check saken dhil papalitan lng daw po nya ung dati nka issue n chek which is for collateral lng sya nlang daw po maglalagay ng date n amount dhil frend ku sya kya bngyan ko sya n may tiwala nman ako s knya..since matagal n un d nko nag alalala..den nitong huli n nag start n june 2010 dhil s financial crisis ko na lelate ako ng payment so pinag issue nyako ng 6 checks dated july to december n tig 10k ang amount.which is d nman natupad kc d nman nya pinapasok dahil nag cacash nlang ako s knya n d nman daw nya bnigay p s nagpapautang. bli sir personal checks pu un..pero nka lagay dun s manga cheks is pay to cash sila..then last december na closed account ako pero nitong december 2010 na d ako nkabayad pumunta sya s haws n humingi ulit ng cheks kasama mom nya so sinabi ko s kanila n closed account nko n meron din ako txt s knya n closed account n tlga ako which is ang sagot nya s txt messages nya n kesyo wala xang pakielam n khit close account ako e ipapasok nya ung chek para lang makasuhan ako..aun d npo ako mka tulog kakaisip sir..panu po b maganda gawin s ganito..please i need ur advise...tnx

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6 Re: sobrang interest on Sat May 28, 2011 11:34 pm

attyLLL


moderator
do you know whether she actually deposited the checks? almost all of them will be stale now.

if she did, avoid receiving the notice of dishonor personally so that a bp 22 case will not prosper.


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7 Re: sobrang interest on Sun May 29, 2011 10:52 pm

innocentgirl


Arresto Menor
sir, naka rcv ako ng letter from her attorney stating na meron ako inisue n chek which dated december 2010 with the amount of 10k and ung chek n ginawa nya mismo n dated daw n may16 2011 na ang amount is 210k pti ung 10% interest n penalties n cinasabi nya...bnibgyan daw nila ako ng 5 days dun s na recieve ko n letter..anu po b ung mangyayari nyan? sir ask ko lang po kc nag txt siya saken n if d ko sinagot ung letter is warrant of arrest n daw po ung kasunod. d po ako familiar sa ganyan tutoo po b ung sinasabi nya?and if po b nkipag arrange ako s kanila babayaran ko po b ng buo ung pera n hiniram ko and ung penalty n interest n sinasabi nya?tnx po s reply nid ko lng po talaga ng advise sir..

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8 Re: sobrang interest on Thu Jun 02, 2011 8:02 pm

attyLLL


moderator
how was the letter sent? registered mail? i do not recommend you acknowledge that you received the letter otherwise it will be their proof in a bp 22 case against you.

you can't prevent them from filing a case. when they do, keep negotiating for a settlement.


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9 Re: sobrang interest on Sat Jun 04, 2011 8:59 pm

innocentgirl


Arresto Menor
yes sir registered mail po. pinag sign ako ng kartero n ng deliver ng letter kc ako po ang nakarecieve..anu po b ang susunod ko n marerecieve nyan? mahirap po kc sila kausap sir..tama b n ang susunod ko is warrant of arrest n? d po kc ako familiar s ganyan case eh pano po b pag gnyan ang case patulong nalang po sir..tnx...

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10 Re: sobrang interest on Thu Jun 09, 2011 9:55 pm

attyLLL


moderator
you received it personally? ouch. she can then file a case for bouncing check.

i recommend that you be proactive about this by getting a lawyer. you can file a complaint in court to declare your liabilities extinguished because of the excessive intererst. that way the check will not be considered issued for value and bp22 will not prosper.


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11 Re: sobrang interest Today at 11:05 am

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