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role of guarantor and terms of payments...

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1 role of guarantor and terms of payments... on Tue Jun 21, 2011 10:39 am

patricia pasatiempo

Arresto Menor
may kaibigan po kami na isinabay kami ng pag-utang sa katrabaho daw ng tatay nya. at yung tatay nya ang tatayong guarantor. it doesn't have any written contract. sabi nya, 15k daw yung sakanila 5k yung sa amin. every 15th and 30th yung bayad with 8percent interest monthly. tapos 12 mos to pay yung sakanila, 6mos to pay yung sa amin. he also said na ISANG UTANG lang daw kami the day na inabot nya yung pera...

posible po ba maging magkaiba yung terms ng payments at same lang kami ng interest ng utang kung isang buong utang lang yun?

nakabayad na po kami ng 2 1/2 pero nagkaroon na kami ng doubt dahil hindi na consistent yung sinasabi niya. nung kinausap ulit namin siya, sinasabi na nyang hiwalay daw na utang yung mga utang namin kaya magkaiba ng terms at parehas lang kami ng interes. we decided po na dun na lang sa totoong nagpapautang kami magbabayad to know the truth.

after ilang days po, nagtext na yung tatay nyang guarantor daw ng utang at sa bangko daw nya namin ideposit yung bayad namin. dahil busy daw silang tao kaya wag na raw naming abalahin yung totoong nagpapautang...

Pwede po ba yung ginawa namin na we demand for the truth at hindi kami magbabayad hanggat hindi namin nakakausap yung totoong sinasabi nilang nagpapautang dahil hindi na kami nagtitiwala sakanila?

ang role po ng guarantor ay yung magbabayad if ever hindi po kami nagbayad di ba?

pinipilit nya po kasi na sakanya namin ideposit yung pera at tinatakot po kami na sasampahan daw kami ng kaso...

ano pong kaso ang pwede nilang isampa sa amin?

pwede po bang hindi muna kami magbayad unless hindi namin nakakausap yung totoong nagpapautang para malinaw kung magkano ba talaga dapat ang binabayaran namin?

please reply po asap. maraming salamat po

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i recommend you write a letter so you can clarify your position. i would not pay to anyone you do not owe. it should be directly.

it might be that money was loaned to you at a higher rate of interest and someone is pocketing the difference.

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