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TOPIC: Seeking legal advice to my loan....

Seeking legal advice to my loan.... 4 years 4 months ago #15951

  • Roderick
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Good day po! Isa po akong OFW, hingi lang po ng advice regarding sa utang ko. On February 2010, nakautang po ako sa tao ng halagang 44,000 with interest po na 10% at nasundan pa po iyon ng another 44,000 ng June ng parehong taon kaya ang naging total ay 88,000. Nakahulog lang po ako ng 20,000 that year at yun interest po ay umabot ng 60,400 kaya nung i less nya po 41,940 na po yun interest. The following year po nakahulog po ako ng 43,000, kaso po ang interest that year ay nasa 105,600, kaya may balance na namn daw po ako na 62,600 para sa interest. Year 2012 po ginawa na lang po nya na 7% ang interest as a sign of good faith daw po. Nakahulog po ako ng 70,000 that year, ang tubo po ay umabot ng 73,920 kaya meron pa din daw ako kulang na 3,920 sa interest lang po. Year 2013 naman po ay 30,000 ang naihulog ko kaya may kulang daw po ako na 43,920 sa interest for that year. Year 2014 po, nakahulog po ako ng 50,000 kaya ang kulang ko daw po sa interest ay 23,920. This year po nagsabi po sya na mag diminishing balance na daw po ako kung monthly daw po ako makakabayad ng 10,000 pesos monthly kaya pinilit ko po na gawin yun, kaya nakahulog po ako sa kanya ng 70,000 this year, ang kaso po ay bigla sya nag message sa akin na hindi daw po pumayag yun kasama nya na nagpapautang sa diminishing balance dahil masyado pa daw po malaki ang kulang ko sa interest. Hingi po ako ng tulong sa inyo sir. Ang total po na nautang ko sa kanila ay 88,000 pesos, ang naihulog ko na po ay umabot na sa 283,000 at sinsabi po nila na malaki pa daw ang kulang ko sa interest at hindi pa nababawasan yun utang ko sa kanila. Sinabihan nya din po ako na kung hindi makakabayad ay idedemanda daw po kaming mag asawa kaya po pinipilit kong makahulog dahil baka mapektuhan po yun pag alis ko at mawalan po ako ng trabaho. Hoping sa advice nyo sir. Meron din po akong listahan na pinadala nila kung kailangan nyo pong makita, i send ko po sa inyo. Maraming salamat po and more power.
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Seeking legal advice to my loan.... 3 years 9 months ago #16754

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Huwag ka na magbayad. Sapat na yung mga naibayad mo. Itago mo lang lahat ng ebidensya mo.
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