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TOPIC: Mortgage

Mortgage 3 years 6 months ago #16638

  • joy chua
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Gusto ko lng malaman kung my laban ba kame kung mgfile ako ng case sa bank?

my mother is lock of knowledge interms of mortgage loan.
our property is under the name of my father, but he already died 2003.
year 2009 sinanla ng mother ko ang bahay kahit nasa name pa to ng father ko.
sabi ng bangko, bubuhayin at dadayaen un pirma ng tatay ko, kaya nkapgloan mother ko ng 600 thousand

ngbabayad ang mother ko ng monthly payment, pero minsan my mga delayed payments.

2011 ng itransfer samen mgkakapatid ang tittle. pinapirma kame ng banko ng blanko dahil ang tiwala namn sa kanila ay buo, blanko sya na my mortgage argriment.

year 2012 ngbigay ng letter ang bank na bayaran n nmen ang buo utang na umabot ng 1.1 M.
hmd po nmn to nabayaran.

malaki po bahay at bago pa, ewam ko bkit niooferan kme ng bangko nd dacion

2013 untill the bank suggested na idacion enpago namn,, wla po kme msyado idea sa ganito,
hnd n kme nkpgkonsulta sa abugado kc napwersa na kme ng bank sa gusto nila at my lawyer na cila ksma pgpunta ng bahay. kya napirma nila kame. dahil sa takot na din. malaki po bahay at bago pa, ewam ko bkit niooferan kme ng bangko nd dacion

2014 mgend na un paluget samen ng bangko sa dacio enpago
we only have 1 month bago to mgend
nakiusap kme sa bangko na bigyan kme ng breakdown details ng statement of account from year 2009.

hnd kme binigyan ng bangko total computation lng ang binigay nila
ng appoint kame ng abugado nka tatlo kame pero hnd prin cila ngbigay ng statement accoount.

gusto po kc nmen malaman bkt lumaki ang loan namnen n umabot ng 1.8 M n gusto nila bayaran nmen sa knila. ksama na cgro mga interest penalty dyn.

ngpunta po ako sa r.d namen, at nalaman ko yun principal loan nmen ay nakaindicate na 1.1 M n dapat ay 600 k lng. Napansin ko na un ang blanko na pinapirma samen ng banko na wlang amounth, ngayon po nakatypewritter lng un amount n 1.1 M..
pinacheck ko s r.d lhat ng deatils at nakita nila na 600k lng tlga loan namen,,

pero sa titlle nakaindicate ay 1.1M na at dun kme nkapirma ng blanko..

sb ng r.d huminge kame ng copy ng full statement of account, pero wla sila maibigay..

until nagpunta n kme sa head ofis ng bangko, pero hnd kme kinausap ng manager, gusto nila mother ko ang kakausapin nila..

Sinabi ng staff nila na hnd dw kame ngbabayad kht singko kya lumaki ang utang namen,,
sb ko mam , ngbabayad ang mother ko sa branch nyo, at my mga resibo ako,, pero sa records ng head office ay wla kme naipapsok na pera.
Sinabi ko sa staff na hnd ngiisue ng o.r kpg nagbabayad ang mother ko, isang piece of paper lng n my signature ang minsan iniisuuue sa mothr ko.

kinausap ko un secreaty ng branch kung bkt hnd sya ngissue ng ibang recipt sa mother ko, at wla sya malinaw n sagot.

sa ngayn po konte nlng recibo ang hawak ko dhil nawala na un iba dto..

until now hnd k po alam gagawen my pera kme hawak pero hnd sapat para sa 1.8 M n gusto nila.
wala prin sila pinapakita full details mg statement account..

until now hnd ko alam gagawen nmn, nicheck ko title sa r.d samen pa nka name ang title,
pero un amilyar un bangko ang ngbayad ng makita ko sa assesor..

please po gsto sana mgfile ng case, hnd namen alam pano sisimulan..salamat p
Last Edit: 3 years 6 months ago by joy chua. Reason: missing
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