unpaid loan

please kailangan ko po ng advice, today my father received a call from a bank which i have a loan sabi daw since 2001 pa. sabi 64000 daw yun nung 2001 e ngayon daw 400,000 plus na. during those time from 2001 till now wala kaming natanggap na letter or kahit anumang reminder, then all the sudden tumawag sila to ask for the loan payment of 400,000... nag sign dati yung father ko as guarantor, i am not in the philippines since 2001 andito na ako sa singapore nag tratrabaho. anu po ba ang dapat kong gawin? hesistant ako magbayad ng 400,000 kasi hindi ko naman po kaya yun at saka bakit ngayon lang sila tumawag ni letter for almost 10 years wala silang pinadala. anu po ba ang mang yari sa tatay ko? please help po.

try to avoid communication until it exceeds 10 years, then you can argue prescription.

salamat po. sa akin wala silang communication kasi nasa labas ako. kaso yung tatay ko tinatawagan sa phone. at sya ang nag signed as guarantor.

he should also try to avoid communication until it reaches ten years.