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UNPAID HOME CREDIT LOAN..PLS HELP

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26 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Sun Apr 15, 2018 5:25 pm

Mr.08


Arresto Menor
please help naman po.
nag-offer po kasi sa akin ang home credit ng cash loan last June 2017 for the amount of 24k na payable for 24 months (2k/month) which is equivalent to 48k.
Unfortunately, nawalan po ako ng work dahil sa health issue noong November 2017 kaya nahinto din ang pagbayad ko monthly. Fortunately naman po ay nakabalik ako sa trabaho last February 2018. Bale 3months po yung delay ko na hndi nabayaran.Nung month of February po na naisipan ko na din ituloy tuloy yung pagbayad ko monthly which is dapat 2k lang monthly pero yung month of November,December & January ay naging 2700/month dahil sa interest/penalty. So need ko po muna bayaran ang php8100 for 3months delay ko para mgstop yung penalty na papatong every month kapag yung pagbayad ko ay kung ano ang kinagawian ko which is 2k/month.
Sa kasamaang palad po, nawala yung gana kong magbayad dahil sa penalty monthly. nakiusap na ako sa home credit kaso need ko daw e'fully paid ang 3months kong delay para mgstop ang penalty monthly.Dahil sa hindi ko na nga nabayaran nang tuluyan,ang loan/contract ko po ay terminated na at need ko daw bayaran in a full which is php38,100 in total daw at kapag hndi ka pa daw mababayaran,mgsasampa daw po sila ng Legal Case.
naendorse na daw yung account ko sa field officer nila.
i keep on contacting them para makuha ko ang contact number ng field officer para makipagcoordinate kaso wala silang reply thru chat & email.Binigay ko na din sa kanila ang new contact # ko which is patunay na hndi ako tatakbo sa utang ko.
Umaasa po ako sa tawag at reply nila,kaso wala eh.
Additional info po, lumipat na din po ako ng tinitirhan.
iba na din po ang address ko ngayon sa dineklara kong address sa home credit.
Ano po ang gagawin ko?
PLEASE HELP :'(

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27 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 10:47 am

thepoetsedge

avatar
Reclusion Perpetua
Renegotiate your original debt with them in terms na mas angkop sa financial status mo. Explain fully and in truth lahat ng financial details mo for them to fully understand that you are not in a position to pay in full yung buong utang mo sa kanila agad. Opt for a deferred payment of your debt that is in an amount na kaya ng current budget mo.

Alternatively, you may go to the PAO to seek free legal advice regarding your problem.

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28 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 11:07 am

Mr.08


Arresto Menor
@thepoetsedge salamat po talaga sa info.
paano po yung sa address ko?
what if makipagcoordinate sa barangay dun sa dineklara kong address sa contract ko & wherein is iba na po address ko ngayon kasi nagrerenta lang po ako.

tsaka po boss paano po if ever magsampa sila ng small claims at hindi kami magkakasundo sa mga agreements during court trial, mapipilitan po ba akong bayaran ng full amount ang utang ko?

paano po boss kung hindi ko masabi sabi sa kanila ang recent address ko ngayon?
is that a ground for estafa even though i keep on communicating to them thru email/chat?

tahimik kasi ang nirerentahan ko ngayon at takot ako baka mag'eskandalo sila (home credit) just what i read sa mga posts dito.
Takot din po ako ma'harass.

Thanks in advance po.

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29 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 11:45 am

thepoetsedge

avatar
Reclusion Perpetua
Update your address with them to show that in good faith, you are willing to pay said amount.

Kung mag-eeskandalo sila, disadvantage sa kanila yun kasi pwede silang makasuhan of causing alarm and scandal sa neighborhood nyo. Humingi ka ng reassurance sa kanila na walang mangyayari na ganun.

Kung small claims court, pwede pa naman magnegotiate dun kung anong terms mo pwedeng bayaran. Kung walang perang pambayad, they cannot force you to pay the whole amount unless the court will decide that you sell some of your personal belongings to settle the amount kung di talaga magkasundo sa deferred payment plan. Depende na yan sa korte, of course. It also depends kung ano yung terms and conditions nung utang mo sa Home Credit na pinirmahan mo. Basahin mo ulit yun since baka may mga terms dun regarding their collection na disadvantageous sa iyo.

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30 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 12:00 pm

Mr.08


Arresto Menor
maraming salamat po sa advice.
i will keep on communicating with them.
hinihintay ko pa kasi reply nila sa email ko regarding sa contact # ng field officer nila.
Last week pa ako nag'eemail pero hanggang ngayon wala pang reply.

makakaapekto din po ba ang small claims case sa pagkuha ng NBI?

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31 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 12:00 pm

Mr.08


Arresto Menor
maraming salamat po sa advice.
i will keep on communicating with them.
hinihintay ko pa kasi reply nila sa email ko regarding sa contact # ng field officer nila.
Last week pa ako nag'eemail pero hanggang ngayon wala pang reply.

makakaapekto din po ba ang small claims case sa pagkuha ng NBI?

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32 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 3:15 pm

thepoetsedge

avatar
Reclusion Perpetua
Consistently do a follow-up to show your good faith, and keep a record of all the emails you sent since that can be used as evidence in court to establish your intent to settle said debt.

I am not sure on the NBI part, pero as long as wala pang kaso na naka-file sa iyo, siguro di naman magkakaroon ng "hit". This is just my guess.

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33 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 6:30 pm

Mr.08


Arresto Menor
thanks sa advice po sir.
masarap din yung wala ka nang alalahanin pa.
nagreply na po sa akin at home credit at nakausap ko na po ang field officer.
naibigay ko na din po ang most updated contact information ko.
salamat po.
hoping pa rin for a peaceful transactions.

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34 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Mon Apr 16, 2018 11:13 pm

thepoetsedge

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Reclusion Perpetua
Of course. Peace of mind is priceless, kaya infinitely better to keep everything in good faith with total compliance sa mga batas natin.

Good luck sa situation mo, and I hope you will get a restructured loan that has a better payment scheme that will make it possible for you to complete the payment in due time.

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35 Aeon unsettled loan on Mon Apr 16, 2018 11:41 pm

Emwayelayen


Arresto Menor
Hi good pm po..i would like to seek an advice regarding our loan sa aeon. Last dec 3 2017, na approved po yung loan namin sa aeon which is 1tv and 1 aircon. Nakuha namin yung appliances and yung contract stating that our 1st payment is on feb 3 of 2018. 2 weeks after naka tanggap kami nga txt from an unknown number saying that we nees to oay our first payment by january 3. We didnt mind at first kasi akala namin wrong send lang and to think hubdi siya nagpakilala na they are from aeon. After jan. 3 we received a call from aeon saying na delayed na daw kami. We said how come na as what as stated on the contract it is supposed to be feb 3. Marami po silang explanation then mejo nagiging rude na sin po yung agent. Basta ang sabi namin we will follow what is stated sa contract. Everyday na po sila tawag ng tawaga until nag tettext na we need to settle this amount para mahold ang yung pag endorse sa collection. Then kami po dahil sa sobrang daming dates and amount na gusto nila i pa settle sa amin, naguluhan po kami then today we recieved a letter from a law firm na we nees to settle 47k in 3days or else they will conduct an credit investigation and file a case.
I need some advice po on how to handle this.

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36 unpaid home credit on Wed Apr 18, 2018 3:23 pm

vipergodz26


Arresto Menor
Gud pm po pwede po b ako makahinge ng advice regarding sa unpaid home credit loan ko may nakulong na po or na blocked ang employment sa company kasi binalaan ako ng field officer bka dw po d ako mkpag trabaho totoo po b un thank you po sa sasagot

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37 Re: UNPAID HOME CREDIT LOAN..PLS HELP on Wed Apr 18, 2018 3:26 pm

vipergodz26


Arresto Menor
Ung sakin dn po totoo po b ung cnbi nla na baka mablocked ako sa employment ko

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