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Discontinued Payment of Salary Loan due to AWOL

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robertfinding


Arresto Menor
I need an advise.

Nakautang poh ako sa isang Military Savings and Loan Association noong 2002. Regular naman po ang pagbayad ko noong nasa Military Service pa ako thru salary deduction for 1 year. Nagka kaso po ako kaya nag AWOL ako. Nasa abroad po ako ngayun pero ang family ko nasa Pilipinas parin.

Ang problema ko ay ang aking naiwang utang kasi pinapadalhan po ako ng demand letter na umaabot ng P2Million na. P200,000 kasi yung utang ko, 5 years to pay at 1 year palang nabayaran ko.

Ngayun, natatakot po ako na mawala lahat ang naipundar ko at mga savings ko. Baka makulong pa poh ako at di na ako makabalik dito sa abroad. Kawawa naman po ang aking pamilya.

Kelangan ko po ng advise, kasi di na ako maka tabaho ng maayos. Di po ako makatulog. Lagi po kaming nag-aaway ng asawa ko, kasi di po nya alam. Binata pa ako nung nakautang ako.

Pwede po ba na yung capital lang ang babayaran ko?

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robertfinding


Arresto Menor
i really need an advise. please anyone help me?

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myst01


Arresto Mayor
....ayon po sa ating batas, wala po sana dapat makulong nang dahil sa utang, pero sa ginagawa po nyong pag-iwas sa utang nyo baka po kasuhan pa kayo ng masmabigat na kaso.

..ngayon kung yung contrata nyo may interest na nakalagay, kailangan nyo rin pong bayaran yun di lang ung capital.

..ang masasabi ko lng po, sa inyo e makipag usap na lang po kayo sa pinag-utangan nyo baka bigyan pa kayo ng konsiderasyon.
o kng pwede po, i-renew nyo na lang po yung contrata at baguhin nyo yung pinag-usapan nyo dati, saka unti unti nyo na lng po bayaran base dun sa kaya nyong bayaran.
kung kailangan nyo po nangutang muli para lang makaiwas sa masmabigat na kaso, gawin nyo na lang po habang mas maaga pa.

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attyLLL


moderator
did you issue checks? what is the interest rate?

your remedy would be to file a complaint in court to reduce the interest if it is above 3% per month.


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robertfinding


Arresto Menor
Salamat sa mga reply nyo. Sir Arresto Menor, nag AWOL po ako. Administrative case yung kaso ko kaya natanggal ako sa Military Service. Salary loan po yung utang ko na umabot ng P2million in 8 years. Yung mga na KIA, Dismissed sa Service na charge ng admin case ay katulad din ba ang AWOL? Kasi ang KIA at Dismissed ay di na naghahabol ang loan agencies sa kanila.

@AttyLL, pwede pang e-recompute ang loan ko for 3% interest lang kahit may napirmahan na ako na 7% compounded interest noong 2002?.


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robertfinding


Arresto Menor
@AttyLL, di po ako nag issue ng check. Automatic salary deduction po ang terms ng payment. Salary loan po kasi yung utang ko sa loan agency ng mga police at military.

Nang matanggal ako sa Military service, na stop po ang payment ko, kaya naghahabol ang banko sa akin.

MARAMI PONG SALAMAT TALAGA SA MGA PAYO NYO...
SANA WAG KAYO MAGSAWANG MAG BIGAY NG ADVICE.

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attyLLL


moderator
you have to keep negotiating for a settlement, but i do not believe any criminal case will prosper.


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robertfinding


Arresto Menor
Thank you very much AttyLL. You gave me peace of mind.
God bless you and your family.

Also my hearfelt thanks to Arresto Menor for the comments.

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classmate


Arresto Menor
Robertfinding
  Gud pm, Bro, ano na status nun loan mo pinadadalhan kpa ba ng sulat galing sa CA ng AFPslai, parehas tayo ng sitwasyon bro, sa akin 3 loan ko, kung susumahin mula nung nawala ako, sa AFP 700k na daw nka 3 beses sila nagbigay ng noticed naniningil kung hindi ako magbayad mag file daw ng kaso, di ko pnansin ano naman ang ibabayad ko, ngayon AWM naman 500K daw CA o law office daw last day  lng nagparamdam, sana balitaan mo ako, gud luck bro



Last edited by classmate on Tue Dec 10, 2013 12:21 am; edited 1 time in total (Reason for editing : information is too obvious)

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