Nangutang ng malaking halaga pero hindi nagbabayad at nagtatago

Jessie Paycana
is in the Philippines

Hi Atty. Bimbi. advice lang po kung ano ang pwede ko gawin sa dati kong katrabaho na nanghiram sa akin ng malaking halaga ng pera 2yrs ago na po may usapan po kasi kami dati na iiwan nya sa akin ang ATM card nya na ginagamit nya noon sa payroll nya para po dun ko kukunin ang hulog nya sa akin na monthly pero nung almost 2months na po wala akong nawiwithdraw na pera sa ATM nya wala pong pera na pumapasok kaya po kinausap ko sya at sinabi ko ang nangyayari sinabi nya po na wala daw pong pumapasok dun dahil hindi na yun ang ginagamit nya sa payroll nya. then nagbigay po ulit sya sa akin ng bagong ATM card na same lang ng Bank name na sabi nya yun na po ang ginagamit nya pero nung nagcheck po ako wala pong laman yung ATM card at wala din pong pumapasok na pera hindi ko na din po sya makontak at nagtatago po sya . katulad ko po matagal na din po sya wala sa dating company na pinapasukan namin. Almost 1 and half yrs nadin po ang nakalipas na wala akong kontak sa kanya pero yung ATM nya na walang laman nasa akin pa din. Ano po kaya ang maaari kong gawin or pwede ko ba syang sampahan ng kaso at anong kaso naman po kaya iyon at ang karampatang parusa , kahit wala kaming kasulatan na ginawa/nilagdaan nung araw na nanghiram sya ng pera maliban sa ATM card nya na binigay sa akin. Gusto ko po kasi sanang mangyari eh kung hindi nya ako mabayaran kunin ko po ang ari arian nila na katumbas sa hiniram nyang pera sa akin noon maaari po ba yun? Salamat po sa advice in advance Atty. Bimbi.

 

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Adelaimar C Arias-Jose
is a Legal expert in the Philippines
May kasulatan ba kayo tungkol sa kanyang inutang mula sa iyo?

kasi, kung wala kayong kasulatan, mahirap mong i-prove na may utang siya sa iyo.

Maaari pa nga niyang sabihin na ninakaw mo ang ATM niya.

Talk to a lawyer. I cannot advice you because I have not seen the loan agreement between you.

Pero sa totoo, iyong mga banko at mga credit card company, may mga contrata sila kung nagpapa-utang sila. And yet, tinatakbuhan sila ng mga tao. Iyon pang wala kayong usapan at laway lamang?

I don't know how to help you, really.
Jessie Paycana
is in the Philippines
pwede po kaya yung mga conversation namin thru text message at sa chat po?

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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