Nagloan sa lending company, pero nilooban ng bahay at inoperahan

anonymous
This person has chosen to hide his/her identity.

Nag loan po ako sa isang lending company. Ok naman yong performance ko nong una. Kaso nung nilooban yong bahay namin at that time then po ooperahan ako. Tas alam naman nung lending company ang situation namin. Malapit na po kasi akong ma-due, tas yong mga cheke ko po sabi nila e deposit daw yon lahat pag due date na ako. Pero nag move naman account ko sa kanila nag babayad po ako weekly. Sana po matulungan niyo ako. Salamat and God bless

 

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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
Naku, I don't know what you want me to tell you.

Pag nagbabayad ka ba, may resibo silang binibigay sa iyo? kasi kung wala, ano ang proof mo na nagbayad ka?

kapag ikaw ba ay nag-babayad noong una, ang mga cheke na inisyu mo ay ibinabalik na sa iyo? Kasi, diba, pag-nagbayad ka, dapat kaliwaan kayo, iyong PDC mo, kung hindi pa nila idine-deposit, pag-nagbayad ka, dapat isauli nila sa iyo.

Kung nabayaran mo na ang ilang PDCs, dapat hindi na nila ito i-deposit pa, dahil sa bayad na. Pero iyong ibang PDCs mo na hindi mo nabayaran, they can deposit it. If they deposit it, it will bounce and they can file charges against you for violation of BP 22. Kaso, ang husgado payag naman nabayaran mo ang utang.

Tip ko sa iyo, when the check is 90 days na from the date of the issuance of the check, stale na iyon. Hindi na talaga tatanggapin ng banko. So, kung hindi pa nila ito idine-deposito, kapag idineposito nila iyon, the bank will not accept it. Stale na. So, that can be your defense.

Pero, sa totoo, ang utang ay talagang dapat na bayaran. Mataas ba masyado ang rate of interest? Well, maybe you should talk to a lawyer and show the lawyer your documents para naman makapag-bigay ng mahusay na legal opinion ang abogado, hindi katulad ko -- I have not seen any of your documents so I cannot give you an opinion.

About the author

Adelaimar C Arias-Jose

I am a graduate of the UP College of Law. Member of the Integrated Bar of the Philippines since 1995. I am currently involved in private practice in criminal, civil and labor law.
Profession: Lawyer
Adelaimar C. Arias-Jose
Office Address: #34 St. Michael Street
Philippines , Manila , Makati
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