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help. atm loan. ESTAFA under article 318 other Deceits

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Arresto Menor
Crying or Very sad

I desperately need all your advises.

I acquired a loan back in September amounting to 30k which is payable within 3months with 30% interest which means PHP 21k nalang ang nakuha ko na loan , it will automatically be deducted eh. Kapalit ng loan ay ang aking atm which they will deduct 5k every 13th and 28th of the month.

I was able to pay them for the month of october 10k . Then by November i informed her na i cant pay her for the month of november and december . I reported my atm as lost . I was in a bpo industry and i was floating back then so wla talaga akong pera. Dumating ang january feb march hindi ko parin sya nabayaran . I informed her thru text msg na hindi ko pa sya mababayaran. Dumating ang demand letter ng may and june indicating the final and last demand letter from them that they will file a case of estafa ..

On july 7, i contacted the owner of the company i will pay my total outstanding balance of 20k in full. we made another sms conversation that she can get the total amount on july 8 and she agreed that she will give me a clearance indicating that the money i borrowed was paid in full.

Dumating ang August , I received a subpoena from Paranaque prosecut0rs office i was scheduled for a court hearing on aug 20. And i didnot show up thinking my obligation with them is already settled.

Just today. I received a court order from paranque municipal court that a case has been filed and i am required to submit a counter affidavit with a witness 10days from the date i received it. The court hearing willbe on feb 20 2011

the case filed is estafa under article 318 other deceipts.

I was hoping someone could help me here.
I desperately need help.
I know that i paid it so late but i never intended to misrepresent them.

Please help me po.


Last edited by chino on Sat Nov 12, 2011 11:10 pm; edited 1 time in total (Reason for editing : typo)

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Arresto Menor
hi, is that grand childrens in paranaque?

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Arresto Menor

I also had the same case as above. But I have made partial payments already and only owe them 20k which I'm about to pay also before end of this month.
What will happen if a resolution has been made already?


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Rosalyn Visaya

Arresto Menor
Hi, I also received same kind of demand letter. And same with reynikki its from grand childrens in paranaque. I also don't know what to do! I am willing to pay my loan kaso I am also working at BPO company and there are times na floating ang sched namin so I don't have enough money to pay my debts. They said on the letter na nagpadala daw sila ng notice sakin last December & January in which I didn't received any. Ngayon ko lang po natanggap iyong demand letter nila and they scheduled me to show on February 05, 2012 pa.

What will I do? Please give us some piece of advice.
Thank you,

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Arresto Menor
They are not following the correct process of case procedure, be careful witn them.

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