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TOPIC: Advice on salary loans

Advice on salary loans 5 years 6 months ago #12855

  • Jen a
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:( good day po, hihingi po sana ako ng advice regarding sa salary loan ko sa isang loan association sa fort bonifaco. Dati po akong contractual employee at nagloan po ako ng 20k sa nabanggit kong inatitusyon. Noong 2004 pa po un loan ko, nkpagbyad nman po ako ng kaya lng nagresign po ako at naghanap ng ibang trabho n mas mataas ang sweldo. Natigil po ang pagbabayad ko. Alam ko po na dadating un raw na sisingilin nila ako, nagkaroon din po ako ng pagkakamali pero dahil po sa mga circumstances sa buhay ko nde ko na nabayaran. Last year po ncontak nila ako at sinisingil. Ang ginawa ko tinawagan ko po un inatitusyon, at humingi ako ng amnestiya sa pagbabayad ng lumobong interes at nangakong bayaran un natitirang amount ng loan ko. Ang sitwasyon ko po mula 2009, wla po akong trabaho, may tatlong anak po ako, hanggang ngayon ay nakatira pa rin sa mga magulang ko ksama mga anak ko.

In fairness po sa institusyon, nung nakiusap ako ang magagawa daw nila ay bigyan ng condonation ang ibang interes, sinabi na kung maari magbayad ako ng 3libo kda buwan sa loob ng isang taon. Pinilit ko po magbayad mula july last year hnggng december. Pero dahil kakapanganak ko po ng sept nde ko na po kinaya ngayon na magbigay pa ng bayad. Kung susumahin po ang naibayad ko, nbyaran ko na po ang loan amount plus kaunting interes n halos 20% ng principal.

Ano po bang hakbang ang pwede kong gawin? Natigil nnmn po ang pagbbyad ko dahil tlgang nde ko na po kyang magbyad ng lumobong interes. Sana po mabigyan nyo ako ng advice ng mtapos naitong obligasyon ko sa kanila. Salamat po.
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Advice on salary loans 5 years 6 months ago #12876

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Sa mga ganitong sitwasyon, wala ka talagang magagawa kundi mag bayad o kaya kausapin sila para babaan nga ang interes.

Kung sa tingin mo bayad ka na, sabihin mo sa kanila.
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Please note that answering your queries in the free legal advice forum does not create an Attorney-Client relationship.
Seek services of an independent counsel when dealing with legal issues. Legal issues need scrutiny and attention.
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