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please need some advice here... personal loan

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1 please need some advice here... personal loan on Tue Nov 15, 2011 11:12 am

maybeline_may


Arresto Menor
Hi Atty.

Nag post na po ako dito last time. Hihingi lang po ng advice regarding my personal loan sa Chinatrust bank.may loan po ako sa knila n payable in 3yrs. good payer naman po ako kung hindi lang ako nawalan ng trabaho... since june 2011 po ay hindi na ako nakabayad ng monthly amortization ko. nakausap ko naman po thru email yung agent na may hawak ng account ko pero ang problem ko po is hindi ko pa talaga kayang magbayad ng minimum amount na hinihingi nila sa akin monthly. ang sabi pa po nila na hindi nila kayang mag-antay until january next year. nag-offer po kasi ako sa kanila na magbabayad po ako ulit ng monthly ko by next year and if my financial situation improves dodoblehin ko yung hulog ko monthly para makahabol ako sa balances ko bago mag september 2012. kakasuhan na daw po nila ako ng estafa pag hindi pa daw ako nagstart na maghulog this month.

makukulong po bo ako kasi hindi ko nman po checking acct. yung cheke na pinirmahan ko sa knila nung nag-loan ako... nangangako naman akong magbabayad kaya lang gusto nila immediately.

ano po ba nag dapat kong gawin? thanks po in advance

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2 ohmaygad on Tue Nov 15, 2011 6:09 pm

chinatrustpo


Arresto Menor
pariho po atayo ng situation.

yung akin 103,000 na. huhuh

i will be double the required monthly payment.

pero 5K lang ang kaya ko.

di ko kaya ang 17K monthly.

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maybeline_may


Arresto Menor
gaano nb ktagal na hindi ka nagbabayad... email mo muna yung customer service nla para malamn mo yung 1st step na gagawin mo...

ganun kasi gnawa ko, kya lang di ko pa nga magbayad ng minimum amount sa ngayon... ang problem ko ngayon is paano kung hindi pa nga ako makabayad uli kahit na nkikipag-usap naman ako sa kanila Sad

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attyLLL


moderator
did you issue checks? this appears to be a loan; estafa should not prosper.


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leizl manalo


Arresto Menor
May nagsangla po sa akin ng isang paupahan sa halagang Php100,000.00 nung Sep, 2009. May pinirmahan po kaming kontrata na tatakbo ng isang taon (notarized po ito). Ang nakasaad sa kontrata ay: after 1 year ibabalik nya sa akin ang halagang Php100,000.00; Sa loob ng isang taon bawat buwan babayaran nya ako ng 5% ng kabuuang halaga or Ph5K/mo bilang interest at ang pambayad nya sa akin ay magmumula sa kanyang paupahan. Kaso ang problema simula noong july,2011 hindi na sya nagbabayad ng interest. Hindi kami gumawa ng panibagong kontrata nung nag expire ito nung Sep, 2010 dahil na din ito sa pakiusap nya na i-extend na lang namin ang existing na contract. Ngayon inireklamo ko sya sa barangay ngunit ayaw nyang makipag usap. Ang katwiran nya sa korte na lang nya ako haharapin. May laban ba ako sa kanya kahit hindi namin ni-renew ang kontrata? Papasok ba ito sa small claims?

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attyLLL


moderator
if you are willing to accept only 100k, it can be small claims. but if more, it has to be a regular complaint.


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