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UNPAID MONTHLY FEE FOR AN APPLIANCE WORTH 14 THOUSAND

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poorstudent


Arresto Menor
Hello, sana po ay mabigyan niyo ako ng advice tungkol dito sa utang na dapat naming bayaran.

Mayroon kaming isang appliance na binabayaran monthly sa halagang isang libo. On time kami magbayad pero last december 2016 naconfine ang mama namin sa hospital at namatay at dahil dito, dumami ang utang namin sa ibat ibang tao. Sobrang gipit kami ngayon. Nagbabayad kami ng utang pero one at a time lang at marami naman ang nakakaintindi. Pero itong isang company na to ay sobrang grabe magdemand na magbayad kami. Naalarma kami nung nagpadala ng demand letter nitong linggo lamang at nakasaad dito na "We will file a civil and/or criminal case against you in 10 days if we do not receive any payment upon receipt of this letter ".
Nakiusap naman kami na magbayad ng 500 kada buwan kasi hanggang doon lang talaga ang abot ng budget namin base sa income ng pamilya namin ngayon at base din sa iba pang binabayaran naming utang pero tumanggi sila dahil mapupunta lang daw un sa tubo. Sabi naman namin pwede kayang magantay sila hanggang makagraduate ako next year at doon kami magbabayad ng kahit magkano hanggang maubos agad ang utang pero ayaw nila.

So ngayon po e medyo naalarma lang kami dahil sa CRIMINAL at CIVIL word na nilagay nila sa sulat.

Maaaring maliit na halaga lang po ang 14 thousand sa iba pero sa akin po ay sobrang laki nito dahil sobrang gipit talaga kami ngayon sa daming binabayarang utang.

Ano po ba ang dapat naming gawin? Sana po ay maadvice niyo po ako. Maraming salamat.

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xtianjames


Reclusion Perpetua
either gumawa kayo ng paraan para makabayad or hayaan nyo sila magsampa ng kaso. most probably nananakot lang yan na criminal case ang pwede ifile sa inyo kasi kung simpleng utang lang, under civil case lang to.
kasamaang palad, ang mga lending companies ay di nakukuha sa humanitarian reasons kaya imho kung wala talaga kayo pambayad, hayaan nyo magsampa sila ng civil case at baka bigyan pa kayo ng korte ng consideration regarding on the terms of payment.

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poorstudent


Arresto Menor
May contract po siya na magbayad kami monthly ng 1000 for 2 years. Mga 6 months palang po ung nahulog namin tapos nasa 7 months na kaming hindi nakakapagbayad. Hindi po ba maaapektuhan ang record ko nito halimbawa sa NBI pag kukuha ako ng NBI clearance ung sakaling magsampa sila ng civil case?
Sabi din po nila eh hindi na daw ako makakakuha ng visa or passport pag may record ako e kasi may balak po akong magabroad in the future totoo po ba yun?

Eto pong letter na binigay nila na to pay within 10days or will file a case pinirmahan ko po kasi inacknoledge ko po na may utang ako at di ko tatakbuhan ok lang po ba yun?

So never po talagang magiging criminal case eto kung sakali na madelay pa din kami magbayad?

Sana po ay masagot niyo ulit. Maraming salamat.

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xtianjames


Reclusion Perpetua
yung pagpirma mo dun sa letter, pwedeng gawin yun basis na pumayag ka dun sa terms na magbabayad ka within 10 days. naka mentioned ba dun na pagpumirma ka eh acknowledgement lang yun na nareceive mo yung sulat at hindi pag tanggap mo sa terms na nakasaad dun? pwede kasi yun gamitin against you kung di ka tumupad.

criminal case lang ang lumalabas sa NBI records.

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poorstudent


Arresto Menor
Hindi po ako sigurado kung acknoledgement pero ito po ang nakasaad sa letter na pinirmahan ko. ano po sa tingin niyo?


Dear poorstudent,

We would like to remind you that you have an accumulated unpaid account amounting to PHP14k including penalties. Our company will exert all efforts to collect including filing of CIVIL and/or CRIMINAL case against you.

If we do not receive any payment on your total obligation within 10 days upon receipt of this letter, we will have no choice but to file a case against you and report you to appropriate credit investigation  bureau which may permanently affect your credit standing in case you seek clearances for future loans and travels abroad.

Please heed this demand and take positive action to avoid additional penalties, costly court cases and embarrassment of garnishing/levying your real and personal propeties. Make no mistake! We are determined to collect.
Below is our bank acount no where  you can deposit the due amount.


Very truly yours


Collections manager                                                                    Received by: poorstudent

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Jadis

avatar
Reclusion Perpetua
poorstudent wrote:Hindi po ako sigurado kung acknoledgement pero ito po ang nakasaad sa letter na pinirmahan ko. ano po sa tingin niyo?


Dear poorstudent,

We would like to remind you that you have an accumulated unpaid account amounting to PHP14k including penalties. Our company will exert all efforts to collect including filing of CIVIL and/or CRIMINAL case against you.

If we do not receive any payment on your total obligation within 10 days upon receipt of this letter, we will have no choice but to file a case against you and report you to appropriate credit investigation  bureau which may permanently affect your credit standing in case you seek clearances for future loans and travels abroad.

Please heed this demand and take positive action to avoid additional penalties, costly court cases and embarrassment of garnishing/levying your real and personal propeties. Make no mistake! We are determined to collect.
Below is our bank acount no where  you can deposit the due amount.


Very truly yours


Collections manager                                                                    Received by: poorstudent

THIS IS NOT THE CONTRACT EVIDENCING YOUR DEBT.

THIS IS JUST A DEMAND LETTER, WARNING YOU THAT THE CREDITOR WILL TAKE LEGAL MEASURES TO COME AFTER YOU IF YOU DO NOT PAY. IF YOU SIGNED IT, IT JUST MEANS THAT YOU RECEIVED IT AND THAT THEY HAVE COMPLIED WITH THE REQUIREMENT FOR YOU TO INCUR IN DELAY BEFORE THEY COULD GO TO COURT.

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