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UNPAID PERSONAL LOAN WITH PDC

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1 UNPAID PERSONAL LOAN WITH PDC on Fri Jan 07, 2011 3:40 pm

scarred2011


Arresto Menor
I'd like to seek advice regarding po sa ko po. Ako po ay nag-Personal Loan sa bank na nagkakahalaga ng 35,000 noong 2009, payable in 36months at may issue po akong PDC sa kanila. Subalit nakakailang months pa lamang po ng biglang humina ang dating ng projects sa office namin hanggang sa unti unti kaming binawasan ng oras at pati benefits ay tinanggal na din. Then, kami po ay floating na at na-forced leave po kami na naging dahilan para di ko na po mabayaran ang aking loan dahil na closed na po yung aking checking account.

Ngayon po ay pinipilit ako ng collection agency na bayaran ang total amount ng aking loan including interest at ako daw po ay naka demanda ng BP22 dahil maraming checks pa po ang di ko napondohan.

Pero nakiusap po ako sa kanila na kung pwede ay i-settle ko na lang ng partial partial dahil wala na po akong pirmihang hanap-buhay.

Pero ayaw po nilang pumayag. Inutusan po ako ng kolektor na umutang sa aming Brgy. Captain o kaya daw po ay manghiram ako ng check sa mga kakilala ko at iyon ang ibayad ko sa kanila.

Kanina naman po ay tinawagan ako ng aking boss dahil may tumawag daw po sa kanya na collection agency at sinabing ako ay may utang sa kanilang client at naka demanda ako ng BP22. Tinanong po ng boss ko sa kolektor kung saan nakuha ang number nya at sinabi daw pong ibinigay sa kanila ng bank kung saan may saving account ang boss ko.

Sinabi po sa kanila ng aking boss na floating nga po ang status ko sa company at ako po ay on-call lang pag kinakailangang pumasok.

Ano po ba ang maganda kong gawin? Gusto ko pong tawagan ng direkta ang bank at sa kanila na lang makipag-settle dahil hina-harrass po ako nung tumatawag sa king kolektor. Pwede po kaya un? Natatakot na po kasi ako baka po bigla na lang akong damputin ng pulis dahil isasampa na daw po ung kaso sa kin.

Maraming salamat po sa inyong tulong.

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2 Re: UNPAID PERSONAL LOAN WITH PDC on Sat Jan 15, 2011 9:56 am

attyLLL


moderator
no, the police should not just arrest you. even if they do file a bp 22 case, then the will have to undergo the whole process of preliminary investigation. they are harassing you precisely because they do not want to have to undergo the cost of filing a case against you.

yes, you can try to deal directly with the bank. offer as much as you can as a down payment with the rest as installments.


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