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loan restructuring program

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1 loan restructuring program on Sat Jun 16, 2018 2:17 pm


Arresto Menor
Good day po! Nangutang po ako sa isang financing, Nakareceive po ako ng notice of dishonored checks and final demand for payment galing sa financing. total amount po is 339,801.46. Nagoffer po si legal and collection officer ng restructure program. Nirefer po ko ng legal officer sa Chinabank para makapgopen po ng checking account at pinag-iissue po ako ng 25 checks bilang replacement po ng mga checks na inissue ko before pero hindi po niya binigay yung mga lumang checks dahil kailangan ko muna daw po makapagclear ng mga ilang newly issued checks. 1 check po for onetime interest po then yung remaining po for monthly payments. Tapos kinuha po niya yung buong checkbook ko. hindi ko daw po pwedeng kunin yon hanggat di pa daw po tapos yung payment ko sa kanila. Pinapirma niya lng po sa kin yung mga checks, without the name of payee, amount and date. Pinagbabayad po niya ko ng one time interest which is 3.5% po ng total amount po ng loan ko. P11,893.00 po yung onetime interest po tapos 25,000 po monthly for 2years. kapag kinompyut po yon nasa 600,000 po which is sobrang laki. kung one time interest po bakit may interest pa rin po yung monthly ko. hinihingi ko po sa kaniya kung pano po nakuha yung 25,000 wala po siyang binigay at sinabi. humihingi rin po ko ng copy ng new agreement and yung old loan agreement para may reference po ko kung tama po yung sinisingil niya kaso ayaw po niya ibigay. hindi daw po kailangan ng new agreement dahil resructure lng daw po yon. nagpapirma po siya ng Promissory note pero di niya rin po ko binigyan ng copy. Ano pong dapat kung gawin? Ano po ang proof na yun po talaga ang inapprove ng boards for restructuring program? pwede ko po ba siyang ireklamo and saan po ko pwede magcomplain? Thank you.

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2 Re: loan restructuring program on Sat Jun 16, 2018 3:23 pm


did you sign the promissory note?

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3 Re: loan restructuring program on Sat Jun 16, 2018 3:33 pm


Arresto Menor
yes po.

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