Problem po is yung issued PDCs is under closed checking acct na at di ko n gingmit. Pero yung loan payment ko is updated thru Over the Counter na lang ginawa ko. Just to be responsible sa financial obligation ko sa bank. This year mtatapos na po yung loan amortization ko pero yung bank iniinsist na byadan ko daw yung penalties and chargers ng bounced cheques kung wlang replacement cheques. Di ko po kaya bayadan yung penalties nila kasi sobrang laki, which di ko nmn nagamit yung mga cheques. Pede po ba magfile ng criminal case (i.e. estafa) yung bank for bounced checks? kahit regularly and ahead of time ako magbayad ng loan amortization ko thru OTC. Any advise po kung ano dapat kong gawin.
Thank you.