UTANG NA DI MABAYARAN

the case cannot continue unless the summons (it is a document from the court) is served upon your address. if they don't know where it is, then it cannot be served.

Ok salamat po talaga. imbes na personal loan yung napirmahan namin, hindi po ba magiging estafa yun or fraud kapag nowhere to be found ako? Pero huhulog hulugan ko pa rin po sa bank monthly sa account nya kasi utang ko naman po talaga yun, at nakatulong po sa akin yung noon.umiiwas lang po ako sa pag-iiskandalo nya. Salamat po.

it will depend on what the other side alleges. they may not share your view of the facts, or worse, make things up. hopefully, they won't and if so, this is just a civil case.

Hi , I need to seek for your help.

This Axxxk Corp is giving me a headache. we loan around 36k pesos,, and admittedly, I have delays on payment. The collector told me that they had a restructured loan, so in short I availed it and ang monthly ko ay 2,000+ payable in 15 months. My due date is every 25th of the month, dpeosit via UCP only (recommended bank). delayed again ako sa first payment kasi nadeposit ko na mga 27 but beforehand, nag text ako sa collector na pickupin nalang sa house ko kasi yung location ng branch ay di talaga accessible sa house ko at malayo rin sa location ng work ko. The collector didn't replied and I found out na natransfer na ng ibang department as per the new collector, at okay lang sa akin na bayaran ang penalty.

Since nagka penalty ako sa start, nag bounced na daw ang checke so di na daw pwedeng mag deposit sa bank at thru collector nalang, mas pabpr sa akin un. Sinabi ko sa new collector yung request ko na pickupin ang payment on or before 25 but after ilang months, tapos nag taka ako bakit dipa nag tetext ung collector before the 25 which is very unusual,,kaya ako nalang ang nagtext na daanan tom (25th day) ang payment, pero no reply from him,the following day (exactly 25th of the month), sabi ng collector,, sorry mam,,sabihin ko nalang na puntahan kayo kasi nalipat na raw ng ibang department again, so nag hintay ako that day,, but no one showed up. Nag worry ako kasi I hate penalties, so tumawag ako sa mismong branch and ininform nila ako na tawagan ko daw ang collections department kasi baka ma penalized ako. Nung kausap ko na yung girl sa collections department and inexplain ko yung nangyari,, sabi niya,, penalty na raw ako,, nag taka ako and question them na why I have been penalized e nakipagcoordinate ako sa collector pero mismong ang collector na ang nagsabi na iinform nila sa department na pickupin ang payment sa akin,, its not my fault na hindi nagpunta ang collector that day. For delayed payment, 1500 pesos(for the bounced check sa bank and charge ng asialink sa borrower) plus yung principal.

Mag babayad ako ng current month, ang sabi ko sa bagong collector ulet kung magkano ang total na babayran ako,,ang sabi 4,400 pesos (yung last month at current month) plus penalty of 3,000. Kinuwestiyon ko bakit 3K? kasi daw me penalty daw ung current month,, e 25 ko naman babayran ung current month due plus yung last month na with penalty,,okay ako don,,pero ang current month na penalty parang hindi ata tama.

Talaga po bang ganito ang Axxxnk maningil at tama ba ung me penalty again e di pa naman lumalagpas ng due date? Any advise po kasi super taga sila and ayaw nilang mag pabayad ng full payment kasi di daw pwede iyon.

Thank you very much in advance!

look closely at your loan agreement on what it says about pre-termination. you can certainly pre-pay, but if they refuse to accept, the legal remedy is to consign the payment in court.

you have bounced checks? they might file a criminal case against you.

i recommend you keep talking to them. try to put your communication on email