Selling a car loaned from the bank

[alvinladen]

I have a friend na nanghiram ng pangalan ko para makapag loan sa bank kasi hindi sya approved. Nung nakuha na nya ang car, puro delaying tactics na ang ginagawa para hindi magbayad. Kaya nya daw mag start ng bayad pero sa december pa pero hindi ako pumayag. Hanggang ngayon gamit pa nila ang sasakyan.

Meron ba kayo alam na company or individual na pwede magtuloy ng payments sa sasakyan na naka loan sa bank? Any other alternatives para ma dispose ko yung sasakyan? Hindi ko na kasi need ng sasakyan at ayoko naman bayaran ang mga monthly payments.

Also, any tips kung paano ko kukunin yung sasakyan from them na hindi ako gagamit ng force? Matutulungan ba ako ng mga police?

The vehicle is Toyota Fortuner 2018 4x2 V. P460k ang down and 30k ang monthly for 5 years. Kakakuha lang last month. Thanks!

[MamBad]

Bat ka pumayag?

Assume balance lang ata ang option.


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[alvinladen]

masyado kasi ako nagtiwala. this year lang ginawa pa akong ninong ng bunso nyang anak.

if meron kayo gusto magpa assume balance let me know.

ang color pala is Bronze Metallic. Thanks!

[jodski]

masyado kasi ako nagtiwala. this year lang ginawa pa akong ninong ng bunso nyang anak.

if meron kayo gusto magpa assume balance let me know.

ang color pala is Bronze Metallic. Thanks!

Ouch... hindi kaibigan tawag dyan bro.

Para na ngang technical carnapping na yan kung tutuusin.

Go get a lawyer this early and inform your bank.

Kapag lalo mo pinatagal yan, ikaw ang mailalagay sa alanganin

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[falken]

Tama si jodski, kuha ka na ng abugado.

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[dreamur]

The story is not complete. Who paid the DP? Who is paying the monthly amortization?

If the car is under your name, do you have a copy of thr OR/CR? Talk to your friend to know the real reasons for the delinquency.

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[yebo]

ang laki naman ng bato na pinukpok mo sa ulo mo.

nasa name mo ang car. so ireport mo na ninakaw ng "friend" mo. sabihin mo sa pulis hiniram tapos ayaw na isoli. pag nabawi na then ibalik mo sa bank.

[yapoy86]

I have a friend na nanghiram ng pangalan ko para makapag loan sa bank kasi hindi sya approved. Nung nakuha na nya ang car, puro delaying tactics na ang ginagawa para hindi magbayad. Kaya nya daw mag start ng bayad pero sa december pa pero hindi ako pumayag. Hanggang ngayon gamit pa nila ang sasakyan.

Meron ba kayo alam na company or individual na pwede magtuloy ng payments sa sasakyan na naka loan sa bank? Any other alternatives para ma dispose ko yung sasakyan? Hindi ko na kasi need ng sasakyan at ayoko naman bayaran ang mga monthly payments.

Also, any tips kung paano ko kukunin yung sasakyan from them na hindi ako gagamit ng force? Matutulungan ba ako ng mga police?

The vehicle is Toyota Fortuner 2018 4x2 V. P460k ang down and 30k ang monthly for 5 years. Kakakuha lang last month. Thanks!

Can you be my friend? Swerte naman ng friend mo boy....

Walang ibang kausap si bank dyan kungdi IKAW.. so better report it as carnap and let the police retrieve it.. then surrender mo na lang sa bank or ikaw na maghulog at gumamit nung sasakyan.. yun ay kung maayos pa yung sasakyan mo

[EQAddict]

Your credit rating will be screwed. No bank will lend you money for the next 11 years. Kawawa ka naman.

Better fix this asap. Red flag na when the bank denied him credit and then he tried to circumvent it by making you the alleged buyer.



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[yebo]

Your credit rating will be screwed. No bank will lend you money for the next 11 years. Kawawa ka naman.

Better fix this asap. Red flag na when the bank denied him credit and then he tried to circumvent it by making you the alleged buyer.



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11 years lang ba? anyway this case is not your run of the mill foreclosure. iba ito e, conspiracy to commit fraud. baka perpetual disqualification na yan from any loan and credit. kung ako yung bank at may record na ganyan kahit cash card di ko bigyan yan.

[alvinladen]

The story is not complete. Who paid the DP? Who is paying the monthly amortization?

If the car is under your name, do you have a copy of thr OR/CR? Talk to your friend to know the real reasons for the delinquency.

I paid the downpayment and the OR/CR is under my name. wala pang monthly payments kasi wala pang 1 month nailabas. ang ayos na ng usapan namin kaso biglang ang dami nang dahilan para di bayaran at sa december na lang daw.

Can you be my friend? Swerte naman ng friend mo boy....

Walang ibang kausap si bank dyan kungdi IKAW.. so better report it as carnap and let the police retrieve it.. then surrender mo na lang sa bank or ikaw na maghulog at gumamit nung sasakyan.. yun ay kung maayos pa yung sasakyan mo

sure!

kung pwede lang sana ako na lang gumamit kaso madami na kami sasakyan at wala nang space pa for parking.

if ever na may kilala kayo na willing sumalo ng car just let me know. I already informed the bank. Im willing to take a bit of a loss.

Lesson learned.

[dreamur]

I paid the downpayment and the OR/CR is under my name. wala pang monthly payments kasi wala pang 1 month nailabas. ang ayos na ng usapan namin kaso biglang ang dami nang dahilan para di bayaran at sa december na lang daw.



sure!

kung pwede lang sana ako na lang gumamit kaso madami na kami sasakyan at wala nang space pa for parking.

if ever na may kilala kayo na willing sumalo ng car just let me know. I already informed the bank. Im willing to take a bit of a loss.

Lesson learned.

Sorry bro but there is a big hole in your story and shadow could be right- you are not telling us the whole thing. If you can afford to give up P500K for a friend, you must be smart enough to have attained that status considering you already have enough cars to fill your garage. There may be an underlying reason for the arrangement that did not materialize and now you are trying to recoup your loses. Anyway, I am not here to judge you so try to talk sensibly to your friend and if things dont work out right, report the vehicle as carnapped. Just be sure your friend is not holding any papers to counter your claim.

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[SidCoronel]

[QUOTE=alvinladen;2888422]I paid the downpayment and the OR/CR is under my name. wala pang monthly payments kasi wala pang 1 month nailabas. ang ayos na ng usapan namin kaso biglang ang dami nang dahilan para di bayaran at sa december na lang daw.


U-N-B-E-L-I-E-V-A-B-L-E !

[ice15]

I already informed the bank. Im willing to take a bit of a loss.

Lesson learned.

Just wondering... anong sabi ng bank and may magagawa ba sila to help?

[alvinladen]

^puro comments lang sila at wala namang naitulong mga taga banks. i talked to a lawyer and sabi nya hindi daw pasok for carnapping. he advised me to file a replevin case para maisoli sa akin ang sasakyan pero mukhang magtatagal pa at another gastos nanaman sa lawyer. looks like hihingi na lang ako assistance sa mga police and baranggays.

i just remembered na last payment ko na sa isa kong sasakyan next month. yun na lang ang ibenta ko then ako na lang gagamit ng fortuner.

Ninong ahahaha....

Seriously though, hindi kaibigan yan...

_______________ ka na nyan. <-- fill in the blanks

ginawa akong ninong ng bunso nya last april lang at madalas ako invited sa bahay nila pag may birthdays and other events. kapag nagbabakasyon sila lagi sila may dalang pasalubong for me.

mahirap talaga magtiwala sa mga tao today lalo na pag malaking pera ang involved. nakipagtalo pa sya sa BM ko ng di ko alam dahil antagal daw nila i process ang paglabas ng unit.

again, lesson learned.

[tolitsaso]

if ever na may kilala kayo na willing sumalo ng car just let me know. I already informed the bank. Im willing to take a bit of a loss.

Lesson learned.

I rarely know someone getting assume balance unless family member. Why would anyone pay full price for a secondhand/used car.

[alvinladen]

Update:

I talked to her in person and she said that she will pay the downpayment next month. tanong ko lang, if ever na nagbigay sya para sa downpayment and sa mga upcoming monthly payments but later on hindi na sya makapagbigay ng mga monthly payments for 3 consecutive months at gusto ko nang "batakin" ang sasakyan sa kanya, pwede nya ba ipanglaban na nakapag bigay naman sya ng cash para sa car para hindi ko mabawi? wala pa din syang laban dahil sa akin naka pangalan yung car, right? I wanna make it sure before making decisions. Thanks!

[shadow]

I don't think you're telling us the whole story.

Marami ka na sasakyan? Benta mo yun 1 or 2 and pay off this new car.

Tapos problema mo. You don't need to look for another "buyer" na sasalo ng loan mo tapos hinde mo nanaman kakilala.

It's just make no sense to look for someone to assume your car loan over the internet.

I'm sorry but I don't buy na "friend" mo yun nag loan.


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[dr. d]

it would probably be a bit hard to sell.
but if the price is right, anything will sell.
the car is an expensive one. anyone who wishes such a car, is probably loaded enough as to buy one in cold cash.
i doubt if you can sell it even if the buyer will shoulder only the remaining monthlies.
i doubt if you can sell it if you paid the buyer to buy it from you.

why don't you ask the bank how much you will have to fork out, to pay for the car in full and prematurely terminate the 5-year contract? then you can advertise it at an enticing price. after all, the model is a hot item right now.

but first, you have to get the car into your garage.

[yapoy86]

it would probably be a bit hard to sell.
but if the price is right, anything will sell.
the car is an expensive one. anyone who wishes such a car, is probably loaded enough as to buy one in cold cash.
i doubt if you can sell it even if the buyer will shoulder only the remaining monthlies.
i doubt if you can sell it if you paid the buyer to buy it from you.

why don't you ask the bank how much you will have to fork out, to pay for the car in full and prematurely terminate the 5-year contract? then you can advertise it at an enticing price. after all, the model is a hot item right now.

but first, you have to get the car into your garage.

Tama... need to get that car out of your friend (assuming it is your friend) possession.. in tagalog "batakin" mo na.. tsaka mo na problemahin yung mag assume balance..

Tsaka ang bait talaga ni TS... sya pa nag bayad ng downpayment!!