need help for motorcycle loan

Good day po.
Ask lang po sana ako kung ano po pwede kong gawin. Kumuha po ako ng motorcycle sa motortrade through installment for 2years. Nagdown po ako ng 15K para po medyo mababa ang monthly ko. Nakakatatlong monthly payments na po ako ng dumating po ang plaka at C.R. ng motor ko. After a long wait of my papers problem comes. Feb. 2010 po kami kumuha ng motor then we found out po sa C.R. yung year model po ng motor is 2008 pa po. So nag react po kami and questioned them kung bakit ganun ang binigay nilang motor sa amin almost 2 years n sya. Never nila kaming ininform about dun sa status ng motorcyle nila. Sabi nila baka daw po nagkamali yung LTO kasi lahat ng docs nila is all 2010. Bigyan dw kami ng feedbak after a week ipapachange daw po nila sa LTO yung 2008 magiging 2010. Nung nagfollow up ulit about dun sabi dumating n dw po yung C.R. but when we saw the C.R. its just the same but they erased the 2008 and become 2009 and they said its was a countersigned by the LTO officer. But then we insist and we need 2010 model. After that they never contact us. We talk the manager and we demand na its either ibalik nila yung pera atleast the down payment or change nila yung motor which is 2010 model since 2010 kami kumuha or less the monthly. But parang balewala kami sa kanila. So we decided to go at DTI and file a complaint to Motortrade. But since then no final decision from their company and sometimes they dont go in our hearing. Until our final hearing hindi nila kami sinisipot. Until now hindi nila kami kinakausap para makipag ayos. Now we are waiting for the decision of the DTI. But this month August 2011 we received a letter and Bank of makati filed a case in the court so we have a hearing on October. Motortrade and Bank of Makati are sister company. Right now I dont know what to do or what is the first step to do. Ano po kaya ang pwede kong gawin dito sa kaso ko po? Sana po matulong nyo po kami. Salamat po and God bless.

please help naman po..

so it means you stopped paying the bank?

opo atty. after 2 months paying ng monthly namin nung nareceive namin yung plaka po at yung xerox ng CR di na po namin binayaran yung monthly kasi po di nila inaayos yung papers then nung wala na po talaga silang magawa at kahit palitan yung motor or ibalik yung downpayment namin mas lalo po kaming hindi na naghulog ng monthly kasi po nawalan na po kami ng gana sa ginawa nila. Ang masakit pa po parang balewala lang talaga sakanila kami at hindi inaasikaso. Ganon po ba talaga after sales wala na silang pakealam lalo na yung shop kasi binayaran na sila ng bank then kaya kami naman po naiipit sa bank na nagfinance. Kung naging maayos lang at inaasikaso po nila ng maaga at may ginawa silang action sana po di kami aabot sa ganito at hindi naman po kami tatakas sa obligasyon namin. More than 6years na kami kumukuha ng motor sakanila at naka 5 motor na po kami wala naman naging problem. Regular customer nila kami hindi man nila kami binigyan ng consideration. Kung alam po namin na 2008 model yung motor na binigay nila sa amin hindi po namin kukunin yun dahil 2010 kami kumuha ng motor sana po nag 2nd hand na lang kami at cash pa. Pinagpapaguran po namin yung perang binabayad namin dun alangan naman po masayang lang ng ganun ganun. Sana both the motorshop and the bank ay may coordination din sa mga ganitong mga problema hindi lang mahalaga para sakanila yung kumita sana mahalaga din yung mga customer nila dahil dun sila kumikita. Atty ano po bang mabuti naming gawin? Sabi sa DTI po di daw po pwede kami magfile ng case kung may pending case kami sakanila. Yung sa bank po do we need po ba talagang umattend dun sa hearing kasi nagpadala sila ng civil case sum of money. Ano po ba gagawin dun? First time lang po kasi mangyari ito sa amin eh. thankx po and God bless. More power.

i agree you have a case against the dealer, but your debt was to the bank, not to to the dealer. the bank has the right to claim from you and request the court to seize the motorcycle.

atty eh sino po ba dapat namin kasuhan dito since sa dealer po kami kumuha? Ang dealer po kasi after nila magbenta ok na sila wala na po pakealam since pag nagkaproblem gaya nito sa bangko na nila ipinapasa dahil sila bayad na wala na silang iintindihin. Naguguluhan na po ako eh sino po ba ang kalaban namin dito? Halos hindi na po ako makatulog sa kakaisip at nagkakasakit na po ako pati work ko naaapektuhan na. Siguro po kaya parang balewala lang both dealer and bank sakanila ito mga ganitong kaso dahil malakas sila at may kapit dahil na rin siguro marami na ng ganitong pangyayari silang naencounter kaya manhid na sila. Kaawaawa naman kaming mga maliliit na tao parang walang karapatan na ipaglaban kung ano ang tama. Sana po matapos na ito at nakakapagod na rin po makipaglaban. May awa naman and Diyos at alam ko di nya kami pababayaan.

it is the dealer who wronged you, so it was correct to file a complaint at dti.

however, the bank is also entitled to collect from you because you agreed to borrow money from them. meanwhile, i assume you have possession and use of motorcycle, but you haven't paid the bank for 1 1/2 years.