need help (financial issues and car repossessed)

[john1gil]

^ pursuant to section 5 of rule 60, pwede ka pang mag-file ng counter-bond on April 10, kasi Holiday naman tayo sa Monday. So, baka naman may kakilala kang approachable lawyer, try to visit him Tomorrow or Sun-Mon. Sayang din naman kasi yong hinulugan mo for 4 years tapos mawawala na lang. Actually, maybe you can file a case against them for specific performance and damages, kasi sabi mo, you were trying to compromise with them but they don't want to accept your payments, that's why you just deposited it in their bank account.

And look for a new job as soon as possible, ganyan talaga ang buhay, may ups and downs, parang gulong, minsan nasa taas tayo, minsan nasa baba naman.

Kaya nga ako, kuntentado na ko sa 15 year old car ko, at di muna ako nagmamadaling mag-purchase ng house and lot thru loan kasi ayaw kong malubog sa utang. Peace be with you bro.

maraming salamat po.. lesson learned. Hintayin ang result ng compromise agreement at ipost ko dito kung ano ang hatol nila sa min

[john1gil]

*TS: I doubt you'll get back your car...charge to experience na lang yan...lessons learned.

thanks po sa reply

[Mon drake]

Good day po newbie po ,

Im planning to buy a new car as my first so called hulugan car .. My question po ay if for example im already 1 year paying the monthly and sunddenly nagkaproblema ako financial and isosoli ko na lang sa bak ang kotse do i still have to pay anything??

Beat regards po mga tsikoteers

[erdiedizon]

Sa pagkakaalam ko po off course wala kana babayaran, syempre nga lang my consuquences yan na ma blacklist ka. And imagine the money the u had paid na lets say 12months na naibayad mo plus the downpayment mo? If dika sure just do ur maths muna. Why not buy second hand ung reliable walakapang monthly. Hehe
Just saying.

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[cast_no_shadow]

Yeah goodbye DP and sa mga nahulog na MA

To add sira credit standing mo. Mahirapan ka na mag apply ng loans in the future.


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[dr. d]

like casty says.
you lose the car. you get no refund of any sort.
and they list you under customers that are poor credit risks.

[EQAddict]

Its not just poor credit risk. The chances of you getting another loan in the next 9 years are almost none. If you want to buy another car, a house, a condo, a cash loan, motorcycle, etc....all the banks (yes all) will see your blacklist credit history and you will be denied. Is 9 years of no credit worth it?

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[BratPAQ]

I wonder what happened to TS. Almost same thing happened to us.

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[cast_no_shadow]

I wonder what happened to TS. Almost same thing happened to us.

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I can let go of the payments I made but ruining my credit standing? That is priceless.

Got an officemate super itching to get a car, little by little nakaipon ng pang DP (Low DP BTW) and assured he can pay the coming 6 months MA.

We talked some sense to him, paano na kako after 6 months? And other expenses you will be having as soon as you start having and living with a car. Bahala na daw at magagawan naman niya ng paraan. For him mahatak na kung mahatak, sabi ko mag rent a car ka na lang since parang ganun din ang mangyayari sayo.

This dude is a bad debt, he gets loan for every opportunity he gets. Ending loan will be paid by another loan.

(Not saying OP is same case as my officemate)


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[BratPAQ]

I can let go of the payments I made but ruining my credit standing? That is priceless.

Got an officemate super itching to get a car, little by little nakaipon ng pang DP (Low DP BTW) and assured he can pay the coming 6 months MA.

We talked some sense to him, paano na kako after 6 months? And other expenses you will be having as soon as you start having and living with a car. Bahala na daw at magagawan naman niya ng paraan. For him mahatak na kung mahatak, sabi ko mag rent a car ka na lang since parang ganun din ang mangyayari sayo.

This dude is a bad debt, he gets loan for every opportunity he gets. Ending loan will be paid by another loan.

(Not saying OP is same case as my officemate)


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I once ruined my credit standing. It reached credit collection agency and able to pay it by restructuring. I'm always denied when applying for credit card. It was only after 16 years that I'm able to get another credit card. And I think that's only because the bank is also my payroll bank.

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[Esay]

I once ruined my credit standing. It reached credit collection agency and able to pay it by restructuring. I'm always denied when applying for credit card. It was only after 16 years that I'm able to get another credit card. And I think that's only because the bank is also my payroll bank.

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HELLO, I WAS NOT ABLE TO MAKE PAYMENTS FOR AT LEAST 6 months and the bank external legal department (specifically 1 law office) kept contacting my friends and family members and even disclose the status of my payments, case filed in court due to my car. Legal ba po yan?

Na surrender ko na po ang car pero just want to ask if legal ba sila mag contact ng kahit sink sink at e disclose ang private matters ng car ko kahit na contact na naman nila ako.

Please help po!!!!

[dr. d]

HELLO, I WAS NOT ABLE TO MAKE PAYMENTS FOR AT LEAST 6 months and the bank external legal department (specifically 1 law office) kept contacting my friends and family members and even disclose the status of my payments, case filed in court due to my car. Legal ba po yan?

Na surrender ko na po ang car pero just want to ask if legal ba sila mag contact ng kahit sink sink at e disclose ang private matters ng car ko kahit na contact na naman nila ako.

Please help po!!!!

sue them, po.
perhaps it's time to have a test case.

[carwhacko]

6 months mo hindi binayaran yung car pero hindi nila kinuha yun during those months? Alam ko nga eh 2 months ka lang hindi magbayad ng amortization kukunin na nila.


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[carwhacko]

HELLO, I WAS NOT ABLE TO MAKE PAYMENTS FOR AT LEAST 6 months and the bank external legal department (specifically 1 law office) kept contacting my friends and family members and even disclose the status of my payments, case filed in court due to my car. Legal ba po yan?

Na surrender ko na po ang car pero just want to ask if legal ba sila mag contact ng kahit sink sink at e disclose ang private matters ng car ko kahit na contact na naman nila ako.

Please help po!!!!

Pwde pala nilang gawin yun? Magtawag ng kung sino sino? Nyak!


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[falken]

Kailan niyo po sinoli yung kotse? Please enlighten us.

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[shadow]

HELLO, I WAS NOT ABLE TO MAKE PAYMENTS FOR AT LEAST 6 months and the bank external legal department (specifically 1 law office) kept contacting my friends and family members and even disclose the status of my payments, case filed in court due to my car. Legal ba po yan?

Na surrender ko na po ang car pero just want to ask if legal ba sila mag contact ng kahit sink sink at e disclose ang private matters ng car ko kahit na contact na naman nila ako.

Please help po!!!!

Sumbong mo sa BSP. They cant disclosed your financial status sa ibang tao.

Case filed? Utot nila. Sabihin mo hinde sila ang magsasabi kung meron talaga makak rereceivwd ka ng summon from the court mismo.

Gusto lang kumita nun "External law firm" which is a collecting agency.

Pag tumawag ulit sabihin para hinde syang pagod nila. I-file na nila yun kaso para doon na kayo mag usap sa harap ng judge.


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[mmmfarm]

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.

[dr. d]

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.

i believe these are "as is-where is" purchases, sir.
you can have the locks and/or alarm, replaced naman, at your expense. $$$.
some car alarms de-activate automatically, when the lock is unlocked by a fitting key.
might i inquire, what car is this?