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Loan via Salary Deduction w/o co-maker

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1 Loan via Salary Deduction w/o co-maker on Thu Jun 15, 2017 1:14 am


Arresto Menor
Hi po Atty. I have a 100k loan from an insurance/loan firm tied up with the gov firm where I was working last 2011 with payment arrangement for 2 yrs via salary deduction. I have paid 5 months then resigned and have moved and currently working abroad. No notice, demand letter, collection of debt, call whatsoever sent to my permanent address and temporary address and to my contact details... I feel the data has been erased... 😂 when will I know I have to settle my loan w/o contacting them? Will this reflect in my NBI if ever I requested a clearance?

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2 Re: Loan via Salary Deduction w/o co-maker on Thu Jun 15, 2017 12:32 pm


Reclusion Perpetua
if you have been sued with a criminal case then it will appear on your NBI record. usually loan companies will contact you if you miss 2 months. once they do, they usually stop if they don't hear from you then they will only initiate contact with the defaulter again when the loan is sent for collection. at that time interests has already ballooned so be prepared.

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3 Re: Loan via Salary Deduction w/o co-maker on Fri Jun 16, 2017 12:22 am


Reclusion Perpetua
Trust me, your loan has not been forgotten. One day when you least expect, collection agents will find a way to make your life miserable.

Try to make arrangements to pay for your debt.

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4 Re: Loan via Salary Deduction w/o co-maker on Fri Jun 16, 2017 1:14 am


Arresto Menor
Thanks for your inputs Attys... I shall update u of progress in case...

I remember last time, Globe loyalty program offered me a Blackberry with a cash out of 10k. As agreed over phone conversation, they will bill me a discounted 10k for BB as part of my plan renewal... No bill arrived and CS was clueless. I have extended using the plan for the next 4 yrs without paying... I guess its forgotten and was considered free of charge as a loyal customer...😂

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