May personal loan po ako sa isa sa mga bangko sa Pinas, hindi ko na po siya nabayran dahil sa pandemic nag close po yung checking account ko kay tumalbog ang checke, di rin naka pag update dahil na stop sa work pero ngayun naka work na ako ulit. Tumawag po sila sa akin need ko magbayad ng 19200 para maka avail sa restructuring program nila. kaso po sa laki ng amount di ako sure makabayad ako in 3 days yan po palugit nila. once di ko mabayaran ipapasa na nila sa legal, nakiusap po ako na maski babaan ang amount kaso di talaga pwede daw. ano po ang dapat kong gawin??
Makukulong po ba ako kung di ko nabayaran ang personal loan ko?
Jescelyn Del Rosario
is a Legal expert
in the Philippines
Puntahan nalang po ang nasabing bank if ever naipasa na ito sa legal makipagnegotiate nalang if possible gumawa ng bagong agreement as to your mode/terms of payment na kaya po ninyo. In this way, maipakita mo ang inyong sincerity sa kanila na wala namang kayong planong takasan ang nasabing utang. If marestructure po ninyo you need to have a copy of the said agreement kasi baka they will file you a case in court atleast may evidence naman po kayo na nakigpanegotiate kayo dahil hawak pa nila ang checks until fully paid kana. Once fully paid kana don't forget na kunin ang tumalbog na checks na binigay mo sa kanila. May imprinsonment talaga ang bp22 na case but nakadepende na sa court usually fines only or with imprisonment ang judgment.
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