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Hi,
Thank you for confirming my membership on this site. Just like the other members who came here seeking legal advise. I would like to seek help regarding my case.
Year 2008, I was granted a salary loan with Chinatrust (Now CTBC bank). The reason for my loan is for business. I met a former colleague of mine and he told me to invest in his company, being very young at that time, coming from the province and without really any knowledge I came to trust him. However, it was a failure, turned out to be a scam. I was really depressed during that time and in May 2009 I had a car accident, the money i saved up for the loan payment was used to pay everything that I have damaged due to the accident. In 2011 I fully paid another loan from another bank. Being the only breadwinner, I spent my 2012 - 2015 sending my pamangkins to college. 2 of them are now graduates. I also joined a networking company last year (2015), and without learning my lesson last 2008, the company also turned out to be scam, i just lost almost 200,000.
Years passed by and now I have to face the loan I acquired, as I just received a mail about it today (the mail was from last month). My original loan amount if I remember is around 100,000 to 110,000. The total amount that the collecting agency is trying to collect from me is almost 800,000.
I am willing to pay the loan, but not with the amount the collecting agency is presenting. Plus if I can pay the loan in terms.
My question is, can the total amount for collection be changed? And can I still pay in terms. Who should I contact? Shall I contact the Bank or the collecting agency?
Thank you in advance for any advice.
Thank you for confirming my membership on this site. Just like the other members who came here seeking legal advise. I would like to seek help regarding my case.
Year 2008, I was granted a salary loan with Chinatrust (Now CTBC bank). The reason for my loan is for business. I met a former colleague of mine and he told me to invest in his company, being very young at that time, coming from the province and without really any knowledge I came to trust him. However, it was a failure, turned out to be a scam. I was really depressed during that time and in May 2009 I had a car accident, the money i saved up for the loan payment was used to pay everything that I have damaged due to the accident. In 2011 I fully paid another loan from another bank. Being the only breadwinner, I spent my 2012 - 2015 sending my pamangkins to college. 2 of them are now graduates. I also joined a networking company last year (2015), and without learning my lesson last 2008, the company also turned out to be scam, i just lost almost 200,000.
Years passed by and now I have to face the loan I acquired, as I just received a mail about it today (the mail was from last month). My original loan amount if I remember is around 100,000 to 110,000. The total amount that the collecting agency is trying to collect from me is almost 800,000.
I am willing to pay the loan, but not with the amount the collecting agency is presenting. Plus if I can pay the loan in terms.
My question is, can the total amount for collection be changed? And can I still pay in terms. Who should I contact? Shall I contact the Bank or the collecting agency?
Thank you in advance for any advice.
