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5/6 loan kay kapitana

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1 5/6 loan kay kapitana on Tue Jun 05, 2018 10:00 pm

dangem23


Arresto Menor
Good eve po
Ask lang po sana kung ano po ba yung dapat naming gawin. Ang asawa ko po ay may hiram sa isang baranggay captain na nagpapatubo ng 15% per month. Nkahiram po ang asawa ko ng 100,000. Sa di inaasahan po ako po ay isang seaman na nabakante ng anim na bwan. Ngunit ang tubo po na 15,000/monthly ay hindi po natitigil..may delay man po sa payment kahit isang araw nagpapadagdag po sya s interest na minsan ay sobra sobra na..kagaya po ngayong bwan nakiusap po ang asawa ko ng palugit na ilamg linggo ung tubo po na 15,000 ay umabot na ng 25,000 un sinisingil nya. Ok lang naman po sana sa amin ang masaklap lang po ay ang pagmumura at masasamang salita na binibitawan nya sa text at tawag bukod pa sa pananakot nya n ipapatanggal kmi ng aswa ko sa trabaho at mag eeskandalo pa sya..pati na ang pananakot na ipapakulong kami.
May sapat na basihan po ba sya s mga pananakot nya...may hawak naman po kaming mga deposit slip katunayan na ngbbyad kmi ng tubo monthly khit na nadedelay po.
Sana po mabigyan nyo po kami ng payong legal..salamat po

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2 Re: 5/6 loan kay kapitana on Wed Jun 06, 2018 8:59 am

dangem23


Arresto Menor
Sna po may magbgay ng legal advise here... kapitana is a wife of police...nanakot po kc.

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3 Re: 5/6 loan kay kapitana on Wed Jun 06, 2018 12:06 pm

xtianjames


Reclusion Perpetua
kung tingin nyo masyadong mataas ang tubo, dapat hindi niyo tinuloy ang pagutang in the first place. kung wala talaga kayo pangbayad, sabihin nyo dun sa inutangan nyo na kasuhan na lang kayo para sa korte kayo magharap at itgil na ang panghaharass sa inyo. hayaan nyo ang korte ang magdecide kung ano ba ang reasonable na tubo na dapat nyo bayaran sa utang nyo.

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4 Re: 5/6 loan kay kapitana on Thu Jun 07, 2018 5:41 am

arnoldventura


Reclusion Perpetua
Wala kasi limit ang pagpapa-interest, nakadepende sa napag-usapan ng mga partido. Pero meron kapangyarihan ang korte na magbaba ng interest rate kung sa pananaw nito ay unreasonable ang rates. At isa pa, kung hindi nasusulat ang agreement ninyo regarding payment of interest, then yung principal lang talaga ang pwede nila i-enforce sa korte. https://www.alburovillanueva.com/credit-debt-collection

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5 Re: 5/6 loan kay kapitana on Mon Jun 18, 2018 10:07 pm

dangem23


Arresto Menor
Yesterday po pnsulat nya ko s paper that i have a loan of 100k @15% monthly interest and copy of my id...nkikiusap po ko ng extension ng payment kso po puro mura un sagot nya and sb nya ipapakulong dw po ako.may grounds po b un case pra mkulong ako?sb po kc nila.10k lang dw po pwd n ipakulong

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6 Re: 5/6 loan kay kapitana on Tue Jun 19, 2018 6:41 am

dangem23


Arresto Menor
Sna po may sumagot ulit...sobra sobra n pp kc un pagmumura at masasakit n slita n pinagsasabi nya at text nya plus un mga pananakot po nya n ipapakulong kmi at matatanggal s trabaho at mag eeskandalo p sya...pulis po kc aswa nya makiki alam n dw po un aswa nya...anu po kya pwd nmin gawin po?

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7 Re: 5/6 loan kay kapitana on Tue Jun 19, 2018 8:48 am

betchay001


Reclusion Perpetua
Hello,

Just to set your mind at ease, no one gets imprisoned for debt.  

Try to get into a compromise with the Kapitana. That is, if she can be reasoned with.  

Her next recourse anyway is to file a case at the small claims court just to get the money back.  The judge may deem the 15% interest too high and set a lower one.

If she does not stop her harassment, make sure you document everything (screenshot of text messages) and complain at the barangay first. She IS your creditor but she does not have any right to abuse her debtors in any way.  What you are complaining about is the harassment and NOT the interest rate - the court will decide that.

Good luck.

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8 Re: 5/6 loan kay kapitana on Tue Jun 19, 2018 10:25 am

dangem23


Arresto Menor
Sang brgy po ako magcocomplain ng harassment..if in her place xa po un current capt pwd po b s place ko?calls and tx messages p lang nmn po xa ngbabanta...i dont know if totohanin nya po pumunta sa work ko pra mag eskandalo.if she will do that..can i complain her at my brgy?im paying the interest non stop monthly there is delay but top of the interest may patong pa pag ndelay ng payment even one day lang...sobra lang po xa mangharass gmit un posisyon nya and un aswa nyang pulis n may katunkulan din.kya nkakatakot po

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