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TOPIC: auto loan with chattel mortgage

auto loan with chattel mortgage 3 years 10 months ago #16612

Good day Atty,

Bale sa March 1, 2016 po ang huli naming amortization dapat sa auto loan sa bangko. First week of january nagrerequest ako ng soa para sa outstanding balance at kung ano pa ang mga dapat bayaran pero wala pong nagrereply. Yesterday ako pa ang tumawag sa bangko para alamin ang procedure ng release of chattel mortgage etc at ang sabi nga ay 4 months na raw ang past due namin kaya due and demandable na balance with charges and collection fees. Sabi ko bakit naging 4 months e may payment kami na hindi na-post at saka bakit may 20% collection fee e ako pa nga itong tumatawag sa inyo para malaman ang balance. I told the girl to send me an email indicating the amount to be paid para nga macheck ko kung tama yung sinisingil nila. Php 89,000 something plus plus pa kaya I insisted na iemail nga nya dapat kahapon. as of this writing wala pa ring email. At nabanggit pa nga nya na cancelled na raw ang chattel at kaya pag di pa raw binayaran ng buo by friday sa january 30 may 20% na additional fee. At nabanggit pa nya na irereplevin na.

Bukas nga kami nakaschedule magbayad ng 1 month dahil ang alam ko 2 hulog na lang. So ang total ng promissory note is 1,000,000 something at ang nabayaran na po namin dun ay 900,000.

Ano po ba atty ang prerequisite ng replevin case? Salamat po.
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