HELP: Ilang months before mahatak ang loaned car?

[Jenstar]

Hinde ba problema na ng boss mo yun? Saka parang Impossible naman yata na Hinde niya alam na Hinde nakarating mga PDC niya eh paano nag clear yun mga PDC?

Theres something you're not telling us. Hinde ba tumatawag loan officer sa boss mo?

Ewan ko malabo yun kwento meron PDC pero hinde nakarating sa bank? Paano na release yun kotse?

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Yes opo prob nga nya. Yung notice po wala sya nrrcv kasi sa dating bahay ata nila nadating kaya nagtaka sya nung may dumating na tga legal sa ami

[cast_no_shadow]

Yes opo prob nga nya. Yung notice po wala sya nrrcv kasi sa dating bahay ata nila nadating kaya nagtaka sya nung may dumating na tga legal sa ami

In this day and age no calls received reminding him?


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[dr. d]

Yes opo prob nga nya. Yung notice po wala sya nrrcv kasi sa dating bahay ata nila nadating kaya nagtaka sya nung may dumating na tga legal sa ami

pues, kasalanan ni bossing yan. prublema ni bossing yan.
talk to the bank, po. i do not know of any bank that takes pleasure in repossessing a car. usually kasi, loser ang bangko diyan.

[dr. d]

Hi po new member lang po ako dto. Paano po kaya ang gagawin namin kasi ung car ng boss ko is sobrng default na sa pag babayad. Unintentional nmn po kasi di po nya alam na hindi pala nakakarating sa bank ung mga postdated checks para sa MA. Ngayon po bglang may dumating samin from law office saying na hahatakin ndw po ang sasakyan at mapapahiya dw po boss ko. Sa rcbc po naka loan.

walang napapahiya sa default ng car payment nowadays, because it is not advertised in the newspapers. "panakot lang yan." there are many reasons for defaulting, some of them non-financial.
but it might put a red spot on bossing's credit rating. that alone, should make your boss hop to it.
errr... why the big fuss over someone else's debt?

[EQAddict]

Yeah you're not telling us something. No bank will release a car without all the checks being written out to it in advance.

And the bank never tried to contact him in advance? Before this legal letter arrived? Banks dont work that way. You can be assured they will call you looooong before it gets to this legal stage. Its very hard to believe your story.

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[Jenstar]

Yeah you're not telling us something. No bank will release a car without all the checks being written out to it in advance.

And the bank never tried to contact him in advance? Before this legal letter arrived? Banks dont work that way. You can be assured they will call you looooong before it gets to this legal stage. Its very hard to believe your story.

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Hard to believe agad sir? Baka po kasi sa dating bahay nadating ang notices pano namin malalaman e walang natawag sa boss ko ultimo ung ahente ng sasakyan di na makontak ngaun para humingi ng tulong

[_Cathy_]

Since they have 2 years worth of untouched car payments, that's a huge chunk to give to the bank na rin. Mag negotiate na lang baka pwede bawasan penalties.

[cast_no_shadow]

Hard to believe agad sir? Baka po kasi sa dating bahay nadating ang notices pano namin malalaman e walang natawag sa boss ko ultimo ung ahente ng sasakyan di na makontak ngaun para humingi ng tulong

Actually oo hard to believe talaga.

Asan ba si boss mo? Bakit ikaw sumasakit ulo?

For 2 years no payment, kahit active yung activities sa bank account niya eh alam mo pa rin galaw ng pera mo diba?

Nangutang siya, due diligence niya to settle it. He enjoyed ata na hindi siya siningil at hindi rin siya ininform?

Labas na ahente mo dyan, ahente only sell cars after that tapos na trabaho nila.

To cut it short. Talk to the bank and pay everything.



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[papi smith]

Enjoy to the max! Hindi na e-encash cheke ko, walang bawas checking account ko, hehe, hindi ko na kasalanan ito, ta tanga tanga sila hehe, dami ko pang gusto bilhin, bahala sila sa buhay nila, di ko na problema yan...

[dreamur]

Hard to believe agad sir? Baka po kasi sa dating bahay nadating ang notices pano namin malalaman e walang natawag sa boss ko ultimo ung ahente ng sasakyan di na makontak ngaun para humingi ng tulong

EQ's point is about your boss not knowing that the checks have not cleared. 1 year worth of PDCs that did not clear the bank is substantial enough not to be noticed. I am guessing the total would be around P150k to P200k so your boss should have noticed it unless there are millions in the bank and your boss is not tracking his balance. Anyways, try to negotiate and show good faith that your boss is willing to pay the balance through loan restructuring. Good luck.

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[Jenstar]

EQ's point is about your boss not knowing that the checks have not cleared. 1 year worth of PDCs that did not clear the bank is substantial enough not to be noticed. I am guessing the total would be around P150k to P200k so your boss should have noticed it unless there are millions in the bank and your boss is not tracking his balance. Anyways, try to negotiate and show good faith that your boss is willing to pay the balance through loan restructuring. Good luck.

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Maraming salamat po.

[jodski]

^ paki tanong sa boss mo kung ilang check na yung tumalbog?

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[cast_no_shadow]

Labo.

Unless the boss really don't care at all which I highly doubt.

Unintentionally hindi niya alam na hindi nakarating mga PDC's? How.

How about his account kung saan anchored yung PDC? Hindi siya nagtataka wala nababawas monthly?

And yes problema ng boss mo yun, bakit pinoproblema mo pa? Hehe

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[Jenstar]

Labo.

Unless the boss really don't care at all which I highly doubt.

Unintentionally hindi niya alam na hindi nakarating mga PDC's? How.

How about his account kung saan anchored yung PDC? Hindi siya nagtataka wala nababawas monthly?

And yes problema ng boss mo yun, bakit pinoproblema mo pa? Hehe

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Oo nga sir yun pinagtataka namin kasi bnigay nmn po namin lahat ng pdcs e. And we figure out na wala nadedebit sa account numya ang mali dun is wala nagmomonitor nung account nia

[dr. d]

Oo nga sir yun pinagtataka namin kasi bnigay nmn po namin lahat ng pdcs e. And we figure out na wala nadedebit sa account numya ang mali dun is wala nagmomonitor nung account nia

now, this is strange.
is it possible, that they (the bank) misplaced the cheques?
if you have documentation that proves that the bank has the pdcs, you can show that bank the document, to prove to them that it's actually their fault...
unless!!! someone closed that account...! and the bank can't contact the boss, because the boss'es last-known address is the old one...

[Jenstar]

now, this is strange.
is it possible, that they (the bank) misplaced the cheques?
if you have documentation that proves that the bank has the pdcs, you can show that bank the document, to prove to them that it's actually their fault...
unless!!! someone closed that account...! and the bank can't contact the boss, because the boss'es last-known address is the old one...

Sir acrdng to the accountant, e ung monthly amortization dw po e napopondohan nmn so we checked the account nmn po at andun ang complete na pera para sa monthly amortization nagduda kami at first kaya chineck nmin ok nmn pero wala na andto na ang problema

[dr. d]

Sir acrdng to the accountant, e ung monthly amortization dw po e napopondohan nmn so we checked the account nmn po at andun ang complete na pera para sa monthly amortization nagduda kami at first kaya chineck nmin ok nmn pero wala na andto na ang problema

well, one problem i see, is that you are talking text-speak. ang hirap intindihin!
kindly spell out the words, dot the i's and cross the t's.
thank you.

so, the total of all the monies are there in that account, untouched?
direcho-han nyo na ang bangko: "nasan ang mga pdcs na binigay namin sa inyo nung ka-una-unahan?"

[dreamur]

Sir acrdng to the accountant, e ung monthly amortization dw po e napopondohan nmn so we checked the account nmn po at andun ang complete na pera para sa monthly amortization nagduda kami at first kaya chineck nmin ok nmn pero wala na andto na ang problema

Naku, accounting graduate ba yan accountant nyo sir? medyo may sablay po. Tanungin nyo na lang po kung gumagawa ba siya ng bank reconciliation.

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[Jenstar]

now, this is strange.
is it possible, that they (the bank) misplaced the cheques?
if you have documentation that proves that the bank has the pdcs, you can show that bank the document, to prove to them that it's actually their fault...
unless!!! someone closed that account...! and the bank can't contact the boss, because the boss'es last-known address is the old one...

Tumpak yun sir kung bakit di narrcv ang notices kasi nga limipat na ng bahay. Wala ako idea sa dapat gawin. Ok lng po ba na kausapin pdn nya ung bank kahit na sinasabi na nsa external office na ung loan account nia.

[cast_no_shadow]

Last ko na ito hehe

Talk to the bank, pay everything including charges.

Done.


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