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  1. Join Date
    Mar 2009
    Posts
    823
    #51
    Quote Originally Posted by kmb333 View Post
    Good day guys, i bought a used Toyota Fortuner pero assume balance sa BDO. I paid the original owner around 450k and paid the remaining 24 months (20,500).
    I always pay on time and after 24 months na fully paid ko na yung auto loan. The problem now is, ayaw irelease ng BDO yung documents ng fortuner ko even if fully paid na ako dahilan sa may utang sa credit card yung co maker (husband) ng original owner. Wala na sa Philippines yung original owner (wife) nasa abroad na dahil nagkahiwalay narin sila.
    Naiipit ako ngayon kasi di ko makuha documents ko kahit bayad na auto loan ko. Tinatanong ko sa bdo magkano yung utang nung husband sa credit card e ayaw naman sabihin ng BDO dahil sa bank secrecy law daw.
    I need your help guys...
    May naka experience na ba sa inyo ng similar case? Ano dapat gawin? Di na mahagilap yung husband and wide
    YES, pwede gawin ng bank yan.

    its not about wala kang inagrabyadong tao or naging mabait ka. its about di mo pinrotectahan sarili mo.

    usually kasi pag ganyan medyo malaking pera na ang involve, go for a lawyers consultation, what is 5k minimum for one hour consultation kung maproprotectahan ka naman. naka tipid ka nga ng 5k, mas malaki naman perwisyo sayo

    ilan beses na sinabi ng s.c. na pwede nila gawin yan. yung common logic or common sense kasi iba sa legal logic/sense.

    ano solution - hire a lawyer or IPA TULFO MO

  2. Join Date
    Nov 2005
    Posts
    7,970
    #52
    Quote Originally Posted by Eizelle View Post
    hi! any information on how to resolve this issue? I have the same problem. I just finished paying off my auto loan in BDO, however they won't release my documents kasi may utang pa daw sa cc yung co-maker. The co-maker is no longer in the country and she couldn't remember how much she owes BDO; also sabi niya wala na din syang na receive na any electronic bank statement regarding her cc wc is expired na ngayon. I am really desperate and I am willing to pay my co-maker's debt however BDO won't release any bank statement pertaining my co-maker's cc debt. Paano ko mababayaran ni hindi ko alam magkano? I tried going to the nearest BDO branch and sabi nila wala silang access sa cred card matters. I already e-mailed BSP and BDO customer service but it's been a week already.
    sorry wrong quote.
    *kmb333, nabiktima ka ng assume balance or pasalo....good luck.
    Last edited by XTO; October 17th, 2019 at 02:35 PM.

  3. Join Date
    Sep 2005
    Posts
    15,326
    #53
    kaya mahirap yang assume balance / pasalo... kaya kung may choice.. iwasan yang mga assume balance scheme..

  4. Join Date
    Feb 2014
    Posts
    59
    #54
    Quote Originally Posted by XTO View Post
    sorry wrong quote.
    *kmb333, nabiktima ka ng assume balance or pasalo....good luck.
    kung co -maker lang naman yung may utang, they should not hold the release of the original documents or/cr.

    Wait for the reply from bsp (consumeraffairs*bsp.gov.ph) they always reply naman. minsan medyo matagal lang.

  5. Join Date
    Oct 2002
    Posts
    40,038
    #55
    Quote Originally Posted by black0men007 View Post
    kung co -maker lang naman yung may utang, they should not hold the release of the original documents or/cr.

    Wait for the reply from bsp (consumeraffairs*bsp.gov.ph) they always reply naman. minsan medyo matagal lang.
    Why not? So para ano pa yun co-maker?


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  6. Join Date
    Sep 2007
    Posts
    1,778
    #56
    If ayaw ibigay ng bangko yung papers e di wag na kunin. Gamitin na lang yung sasakyan hanggang mag end of life na. Marerehistro pa rin naman yan e.

  7. Join Date
    Sep 2005
    Posts
    15,326
    #57
    hindi mo lang mabebenta..

    Quote Originally Posted by Bin Diesel View Post
    If ayaw ibigay ng bangko yung papers e di wag na kunin. Gamitin na lang yung sasakyan hanggang mag end of life na. Marerehistro pa rin naman yan e.

  8. Join Date
    Sep 2007
    Posts
    1,778
    #58
    ^ yun lang pero pede mo pa rin masulit pera mo. Kamtutinkopit pede pa rin naman benta if the buyer is willing na wala na change ng name at deed of sale na lang at yung mga existing papers from the original owner. Medyo sketchy pero may papatos pa rin siguro.

  9. Join Date
    May 2017
    Posts
    2,098
    #59
    e kung kunin mo na lang a pera mo ulit or parefund ka na lang sa BDO doon sa binayaran mo sa auto loan, ibibigay naman kaya nila?

  10. Join Date
    Oct 2002
    Posts
    40,038
    #60
    Quote Originally Posted by Athrunzala View Post
    e kung kunin mo na lang a pera mo ulit or parefund ka na lang sa BDO doon sa binayaran mo sa auto loan, ibibigay naman kaya nila?
    Kailan nag refund ng pera banks?


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Fully paid car but bank wouldn't release documents