Ano maganda isoli o ipabatak ang car?

[_Cathy_]

Salamat po sa mga reply nyo, nasakin yung mga papers na naka indicate walang bad record ant cleared ma ako.dun naman po sa iba hindi ko po sinoli dahil hindi ko na kayang bayaran yung dalawa,actually bayad pa nga sya hanggang ngayong dec.masgusto ko lang po yung bago kong car,mas ok nalang na nasoli ko kaysa naitakbo ng iba masmasakit sa ulo since na wala naman bad record ok na rin.kya closed na po natin ang trend na ito.salamat po!

Ano yang bank mo? Sa kanila mo rin ba kinuha yung Cruze?

[shadow]

so it does not matter if the person defaults on the payment or not? As long as the loan was not "completed", it will have the same effect on the credit standing?

if you didn't completed the payments, then it's a default.

[fourtheboys96]

paano kung may lumabas ng bagong kotse next year na mas maganda kaysa sa cruze???

[raine]

hehehehe, sauli ulit ok lang naman sa bangko.

[shadow]

Salamat po sa mga reply nyo, nasakin yung mga papers na naka indicate walang bad record ant cleared ma ako.dun naman po sa iba hindi ko po sinoli dahil hindi ko na kayang bayaran yung dalawa,actually bayad pa nga sya hanggang ngayong dec.masgusto ko lang po yung bago kong car,mas ok nalang na nasoli ko kaysa naitakbo ng iba masmasakit sa ulo since na wala naman bad record ok na rin.kya closed na po natin ang trend na ito.salamat po!

anong documents binigay saiyo ng bank? saka anong bank yan? gusto ko rin mag loan diyan ah...

[[archie]]

it does not matter kahit anong writing gawin nila. what matters is the input they do sa central system.

yep default na basta hindi payoff or completed yung terms. kasi may computation na yung mga loan na yan if its spread over 2, 3, 4, 5 years (not to mention the interest they lost). at least dapat may penalty involved kung babalik mo lang yung oto.

IMO if you placed an ad na willing ka benta car assume balance then kahit bigyan ka na lang ng pangyosi, may kukuha niyan. its better to give it away than return it to the bank.

EDIT: ako din interested kung anong bank yan. makasubok nga ng benz. meron sila promo sa c class na low down payment.

[blue_gambit]

Kanya kanya lang yan, if the TS doesn't want the headache of selling the car with assume balance that's fine. Some headaches are not worth the money...

Pero sayang parin yung chance to get the car, jackpot yung nag handle ng account nya, sigurado sold na yun internally sa bank.

[shadow]

Kanya kanya lang yan, if the TS doesn't want the headache of selling the car with assume balance that's fine. Some headaches are not worth the money...

Pero sayang parin yung chance to get the car, jackpot yung nag handle ng account nya, sigurado sold na yun internally sa bank.

that's beside the point. what we are talking about if it's possible to return a car to the bank w/o affecting one's credit standing, and majority of us believes it's not possible.

wala palang kwenta yun pinirmahan promissory note with the bank when he got the loan. kasi pwede naman palang ibalik anytime ayaw na.

[blue_gambit]

that's beside the point. what we are talking about if it's possible to return a car to the bank w/o affecting one's credit standing, and majority of us believes it's not possible.

wala palang kwenta yun pinirmahan promissory note with the bank when he got the loan. kasi pwede naman palang ibalik anytime ayaw na.

Me kwenta yun, because it is the form that legally binds the borrower to the bank. The car is the collateral, which in default of payment assures the bank that it will not suffer losses from that transaction. What the TS has done was to recede from the transaction in goodfaith which bank saw as a most advantegeous situation since it will earn profit from the termination of the loan contract.


A very Merry Christmas to All!!! Cheers!!

[av8or5]

Gud pm mga sir.update lang po nasoli ko na po yung car ko,getz po pla yung car na isinoli ko.sabi nung collection sa bank wala daw problem kasi updated naman po yung bayad ko,wala din daw bad record kasi voluntary surrender at sobrang maayos pa yung car.ang new car ko po ngayon ay chevy cruze,salamat po sa mga reply nyo problem solve!

Sayang sana ibinenta mo na lang dito sa tsikot. I think a lot of tsikoteers here would have considered to get your unit at assume balance. Di pa sana affected yung credit standing mo plus masaya pa ang mga tsikoteers!! Hehe next time ha. Merry CHRISTmas everyone!!

You should have tried selling the car online before returning it. Ang dami nasasayang, pwede mo e benta palugi, madami bibili. Gentz ba, madami bibili if the price is right.