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Loan and Signed Agreement please help

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1 Loan and Signed Agreement please help on Mon Aug 22, 2016 2:59 pm

Hi po please help me

I have a loan on June 2015 amounting to 100k for medication. Nag agree ako sa 10% interest payable in 8 mos kaya lang after ko nakuha ung loan, ung last company ko priniventive suspension ako then tinerminate without just cause so my current case pa ko sa NLRC.

Nang malaman ko un, ininform ko agad ung nag pa loan sa akin na hinde muna ako makakabayad, then okay lang sa kanya since mabait naman un hiniraman ko. Tapos nag abiso ako ng Nov na may work na ako at makakapag bayad na. I asked her if pwede 3% na lang ung succeeding months after pumayag naman sya. Nagsuggest pa ako ng computation para diminishing kaso add on pala ung nagawa ko

Nakapag bayad pa ako ng 12k ng dec, kaso nag declare ng closure ung company ko so wala na naman akong work, pero nag bigay pako ng maliit na payment nung January tapos Feb, nagbigay pa din ako kahit papano, nasundan non April na then June 2016 total.


Sabi nya sakin nung Aug need na daw nya ung pera, then ang kinocollect nya 250K na, sabi ko kung pwede payable til 2017 sa 5k per payday, ayaw nya. Nirequire nya ako mag pay kahit 30k kaso wala kong nagawang paraan pero nakapagbigay pa po ako 15k. Tapos nung narealize ko na isettle na lang ung principal til december kung pwede, tapos ung mga nabayad ko un na lang ang considered interest if pwede ayaw na nya makipag usap.


Will this lead to estafa case po?? may pinirmahan po kasi ako na 10% interest for 8 mos. Kya lang dko napay. Tapos nakiusap ako na if pwede 3% na lang from feb onwards until fullpayment. Pero updated sya sa kalagayan ko and ung payment kahit hinde lagi pero maliliit sinisikap ko naman Sad

Makukulong po ba ako ???
anu po ang pinaka grabeng magagawa sa akin?

Ok naman po ako sa 230k na balance ko kaya lang til 2017 pa hinde po okay sa kanya. gusto nya matapos etong dec, pero if sa december okay po ba na ibargain ko na 100k na lang? then ung nabayad ko un na lang ang interest?

panu po pls help

If

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2 Re: Loan and Signed Agreement please help on Sun Aug 28, 2016 5:07 pm

attyLLL


moderator
the legal remedy here is to file a complaint in the RTC to declare the interest rate as unconscionable.


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3 filing on Fri Sep 02, 2016 3:20 pm

Thanks Atty.

Pano po ang process, need ko po bang idemanda nya muna ako

or

Pwedeng mag file na ako sa RTC.


Nangyari po ang pirmahan sa office nya sa makati
then taga qc po ako and dko alam bahay nya
saang branch ng RTC ko po dapat ifile?

Salamat po ulit

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