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  1. Join Date
    Sep 2017
    Posts
    21
    #1
    Quote Originally Posted by cast_no_shadow View Post
    Last ko na ito hehe

    Talk to the bank, pay everything including charges.

    Done.


    Sent from my iPhone using Tapatalk
    Salamat sir. Last na po pde po ba derecho na kmi sa banko kahit external na po may hawak ng loan account? Manenegotiate po kya ang penalties?

  2. Join Date
    Oct 2012
    Posts
    27,624
    #2
    2weeks nag wawala na mga banks.. after 24months lng nila nalawan wala payments? hmmmmmmmmmmmmmm

    Sent from my SM-G935F using Tsikot Forums mobile app

  3. Join Date
    Sep 2017
    Posts
    21
    #3
    Quote Originally Posted by StockEngine View Post
    2weeks nag wawala na mga banks.. after 24months lng nila nalawan wala payments? hmmmmmmmmmmmmmm

    Sent from my SM-G935F using Tsikot Forums mobile app
    Malamang sa malamang yan sir nagpapadala na ng notices yan dati bka di lng nrrcv kasi wala na sa dating bahay

  4. Join Date
    Oct 2002
    Posts
    40,599
    #4
    Bakit naman magpapadala ng noticed ang banks kung nasa kanila ang PDC? Unless meron problema sa account. And for two years walang payment sa loan. Aba! Napaka swerte ng boss mo


    Sent from my iPhone using Tapatalk

  5. Join Date
    Sep 2017
    Posts
    21
    #5
    Quote Originally Posted by shadow View Post
    Bakit naman magpapadala ng noticed ang banks kung nasa kanila ang PDC? Unless meron problema sa account. And for two years walang payment sa loan. Aba! Napaka swerte ng boss mo


    Sent from my iPhone using Tapatalk
    Ayun na nga po. Bka po kasi hindi nmn sa bank officer naipareceive ang checks kasi imposible nmn po eh. Hindi po kaya negligence na to, kasi po yung pondo nmn po is andun pa sa banko.

  6. Join Date
    Aug 2017
    Posts
    189
    #6
    3 months

    Sent from my C6802 using Tsikot Forums mobile app

  7. Join Date
    Oct 2014
    Posts
    1,245
    #7
    For me, ayaw ng bangko ng hatak na yan last recourse baga. Naranasan din namin dati na di nakabayad agad. What we did is pumunta lang sa loan department pa recompute ng delayed payments. Ayun ayos naman.

    Sent from my VTR-L29 using Tsikot Forums mobile app

  8. Join Date
    Feb 2018
    Posts
    15
    #8
    Ask ko lng po,, baka may makasagot.. Meron po b dto naka experience n ng madelay ang payment ng carloan thru tfs? Sana po may makasagot..

    Sent from my S_plus using Tapatalk

  9. Join Date
    Mar 2018
    Posts
    3
    #9
    Hello po, not sure mejo off-topic.

    I recently bought a REPO car.

    Pero nasurprise ako nung nabili ko na, hindi pala naibalik yung original na key na meron yung alarm remote. Normal po ba yun na di nila ibabalik yung main na key?

    2 duplicate lang meron.

    Paano kaya yun pag ma-carnap yung repo na car.

  10. Join Date
    Oct 2012
    Posts
    27,624
    #10
    Quote Originally Posted by mmmfarm View Post
    Hello po, not sure mejo off-topic.

    I recently bought a REPO car.

    Pero nasurprise ako nung nabili ko na, hindi pala naibalik yung original na key na meron yung alarm remote. Normal po ba yun na di nila ibabalik yung main na key?

    2 duplicate lang meron.

    Paano kaya yun pag ma-carnap yung repo na car.
    check mo din kung meron spare tire and the tools...

    Sent from my SM-G935F using Tapatalk

  11. Join Date
    Sep 2016
    Posts
    45
    #11
    Quote Originally Posted by mmmfarm View Post
    Hello po, not sure mejo off-topic.

    I recently bought a REPO car.

    Pero nasurprise ako nung nabili ko na, hindi pala naibalik yung original na key na meron yung alarm remote. Normal po ba yun na di nila ibabalik yung main na key?

    2 duplicate lang meron.

    Paano kaya yun pag ma-carnap yung repo na car.
    Kung may immobilizer auto, you can have it reprogrammed so the other keys will no longer work.

    Sent from my ONEPLUS A3003 using Tapatalk

  12. Join Date
    Oct 2013
    Posts
    39
    #12
    Mahirap sa East West bank. Tinawagan ko sila nun na ma-delay ako. Di daw pede sa kanila. Gawan ko daw ng paraan para wag ma-delay

  13. Join Date
    Sep 2018
    Posts
    7
    #13
    Quote Originally Posted by Bel Esp View Post
    Ask ko lng po,, baka may makasagot.. Meron po b dto naka experience n ng madelay ang payment ng carloan thru tfs? Sana po may makasagot..

    Sent from my S_plus using Tapatalk
    Same question din po. First time namin na delay ng payment sa toyota last aug. Then today lang may legal na agad na pumunta sa amin para hatakin ang sasakyan. Totoo po ba na ganun ang patakaran ng toyota ngayon na after a month of late payment kailangan magbayad ng 2months advance + legal fees? Matatapos na po bayaran yung sasakyan ngayong dec2018

  14. Join Date
    Mar 2008
    Posts
    54,627
    #14
    Quote Originally Posted by Shishi D View Post
    Same question din po. First time namin na delay ng payment sa toyota last aug. Then today lang may legal na agad na pumunta sa amin para hatakin ang sasakyan. Totoo po ba na ganun ang patakaran ng toyota ngayon na after a month of late payment kailangan magbayad ng 2months advance + legal fees? Matatapos na po bayaran yung sasakyan ngayong dec2018
    basahin nyo po ang contrata. baka nandun ang sagot.
    ang hula ko, ay walang grace period na nakasulat doon.
    kung gayon nga, ay puede nilang hatakin ang sasakyan en seguida.

    this is the type of car they will want to repossess. kumita na sila sa almost-finished bayaran, kikita pa uli sila sa pagbenta ng rematadong kotse.

    bayaran nyo na po in full, para wala nang prublema.
    Last edited by dr. d; September 6th, 2018 at 09:22 AM.

  15. Join Date
    Sep 2018
    Posts
    7
    #15
    Quote Originally Posted by dr. d View Post
    basahin nyo po ang contrata. baka nandun ang sagot.
    ang hula ko, ay walang grace period na nakasulat doon.
    kung gayon nga, ay puede nilang hatakin ang sasakyan en seguida.

    this is the type of car they will want to repossess. kumita na sila sa almost-finished bayaran, kikita pa uli sila sa pagbenta ng rematadong kotse.

    bayaran nyo na po in full, para wala nang prublema.
    Thank you po.
    Di ko pa po ulit nabasa yung contract kahapon.
    Nasa toyota main nga po ako today. Comply na namin aug and sept + advance payment for nov at dec, legal fees and penalty para matapos lang po ang usapan. Masyado pong aggressive yung approach nila ,gusto lang sana namin explanation kung pano agad napunta sa legal without any form of notification.
    Isang bwan na lang kulang ,na short lang po since bayaran din sa school. Nakaka taranta lang sila kasi hatak agad without explanation

    Sent from my ASUS_Z00LD using Tapatalk

  16. Join Date
    Jan 2008
    Posts
    4,725
    #16
    Quote Originally Posted by Shishi D View Post
    Thank you po.
    Di ko pa po ulit nabasa yung contract kahapon.
    Nasa toyota main nga po ako today. Comply na namin aug and sept + advance payment for nov at dec, legal fees and penalty para matapos lang po ang usapan. Masyado pong aggressive yung approach nila ,gusto lang sana namin explanation kung pano agad napunta sa legal without any form of notification.
    Isang bwan na lang kulang ,na short lang po since bayaran din sa school. Nakaka taranta lang sila kasi hatak agad without explanation

    Sent from my ASUS_Z00LD using Tapatalk
    May kasama bang sheriff yung hahatak? Or may dalang court order?

  17. Join Date
    Dec 2014
    Posts
    1,254
    #17
    Quote Originally Posted by Shishi D View Post
    Thank you po.
    Di ko pa po ulit nabasa yung contract kahapon.
    Nasa toyota main nga po ako today. Comply na namin aug and sept + advance payment for nov at dec, legal fees and penalty para matapos lang po ang usapan. Masyado pong aggressive yung approach nila ,gusto lang sana namin explanation kung pano agad napunta sa legal without any form of notification.
    Isang bwan na lang kulang ,na short lang po since bayaran din sa school. Nakaka taranta lang sila kasi hatak agad without explanation

    Sent from my ASUS_Z00LD using Tapatalk
    If I'm not mistaken dapat tatawagan ka muna to remind you about the late payment? Sinasagot mo ba tawag nila? If yes? Ano sabi and nag eexplain ka ba?

    Also, dapat may snail mail ka na matatanggap to remind you about the payment + the penalties, again if I'm not mistaken, dapat nga hanggang 2nd reminder letter then a deadline kung kelan na hahatakin sasakyan mo.

    Unless iba na nga approach ng mga casa ngayon about late payment and nakalagay nga sa contract na pag di ka nakabayad agad, hatak.

  18. Join Date
    Oct 2002
    Posts
    2,639
    #18
    You’ve already crossed their limit so hatak na kotse mo. Unless you personally know someone from the bank.


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  19. Join Date
    Aug 2018
    Posts
    7
    #19
    Quote Originally Posted by benchph1 View Post
    You’ve already crossed their limit so hatak na kotse mo. Unless you personally know someone from the bank.


    Sent from my iPhone using Tapatalk
    U mean to say sir,di na pwed e settle sa knila un?and ask for an option?

  20. Join Date
    Dec 2014
    Posts
    1,254
    #20
    Quote Originally Posted by Cezyabut View Post
    U mean to say sir,di na pwed e settle sa knila un?and ask for an option?

    Walang makakasagot nyan dito. Tumawag ka na sa kanila at itanong option mo, kung meron man.

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HELP: Ilang months before mahatak ang loaned car?