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Credit on banks

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1 Credit on banks on Thu Dec 08, 2016 2:03 pm


Arresto Menor
Help po!

I do have bank credit po with CTBC and i have lapsed paying them before so I went to their head office to have a settlement / agreement. They endorsed my account into an external law office, and they have been harassing me.

One of their loan officers at CTBC have advised me that I can pay interim first until such time that my finances are better. So I followed their advise for almost 2 years, I paid 7k per month. I would advise them through email about my payment also.

After almost 2 years, I got a new job which is better paying so I plan to go to CTBC to have a signed agreement on fixed terms. Nagulat po ako kasi bago pa ko pumunta, nasa external collections na daw po ang papel ko. Grabe po harassmeent nila even if I pay monthly. Recently po gumawa sila ng payment arrangement na 20k per month and may isang buwan po na 400k ang need ko bayaran. Lumubo po ang utang ko from 300k to 1.2M.

Since po august 2016, nagbabayad po ako ng 20k per month, last oct nga po 30k pa. Tapos nagdecide na po ko pumunta sa ctbc ofc kc po hinaharass po ako na magbayad ng mas malaki nung external collections. Di ko po kaya ang 70k na hinihingi nila.

Tapos po sabi sakin sa ctbc ofc pagpunta ko kahapon, magsend daw po ako ng email ng para sa 1.2M for 36 mos. Sumunod po ako, 20k per month pa din po pero may balloon payments po ng May and Nov of every year. Hinintay ko po sagot sakin ng ctbc. Kaya lang po nagulat ako na tinext ako ng external collections na naman na ipafile na daw ang estafa case and bp22 po. Pumunta na nga po ako dun na may dalang checkbook and willing to arrange po pero ganun paa din. Pls advise po ano gagawin ko.

May documented emails and conversations po ako with ctbc.

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