surrender or repo?

[L1quid]

I´ve read in a local tech blog that Globe is joining the credit check that the banks are using this year. Everyone should join in para you won´t be able to escape from your bills. Yari if bad credit rating ka at globe lang ang malakas signal/mabilis net sa area nyo at need mo magpakabit ng line skanila.

sa pagkakaalam ko matagal na sila kasali - Members List

[ninjababez]

magic ng ahente. I forgot where I've read it. Pero sabi ng ahente sa isang hindi qualified sa loan, "ako bahala sir, gagawan natin ng paraan yan"

Sent from my SM-N910C using Tapatalk

ganito ang siste dyan, instead of low DP; full DP ka, pero ang monthly mo kasing laki ng low DP hehehe
RCBC yun contact nung kilala ko, and simple lang daw yun process and "legit"

[MiraG4]

Pa help nman po..
Pag nasa legal office na po ba pwede.pa.po bang inegotiate?
I was adviced kasi ng legal officer na ivoluntary surrender ko nlng yung car.
Meron po kasi akong missed payments (pdc payment) in 4 yrs ko pong pagbabayad.
Huling taon ko na this year and willing nman po ako isettle yung mga namissed out kong months pero yun nga isurrender ko daw muna yung car dalin ko daw sa head office ng bank.. then after 3 to 5 days bigyan daw ako ng computation ng need ko isettle. Pero meron po nakapagsabi saken na irerequire ako to pay the unsettled amount plus yung balance ko pa this year..bale iffull payment ko na. Ganun po b tlga.? Sana po may mkasagot salamat po

[ninjababez]

^eto from yebo

hindi yata normal yung lawyer's fees being charged to you. ngayon lang ako nakadinig ng ganyan na case. ask the person you talked to for a copy of the case they filed in court. kung wala then ibig sabihin wala pa na-file, so no fees yet.

ngayon kung tutuo nga yung 180k, ask mo sarili mo: ano mas mahalaga sa iyo, 180k o pangalan mo? kung pangalan mo ang answer e di bayaran mo.

and next time (that is, 10 long years from now kung foreclosed talaga), pag may utang ka bayaran mo, on time. at huwag ka uutang na wala ka pambayad. kasi PANGALAN MO ang nakataya dyan. paano ka mag-loan para sa new house, for educational purposes, for emergencies? wala na, sira na pangalan mo nyan.

sensya na sa sermon pero you need it. madami naman members ng tsikot na may loan, pero i'm sure isang ngiti lang nila sa bank managers nila pinapautang na. dapat ganun ka din - hinahabol ng banko para pautangin, hindi hinahabol ng abogado para singilin.

[Ry_Tower]

Pa help nman po..
Pag nasa legal office na po ba pwede.pa.po bang inegotiate?
I was adviced kasi ng legal officer na ivoluntary surrender ko nlng yung car.
Meron po kasi akong missed payments (pdc payment) in 4 yrs ko pong pagbabayad.
Huling taon ko na this year and willing nman po ako isettle yung mga namissed out kong months pero yun nga isurrender ko daw muna yung car dalin ko daw sa head office ng bank.. then after 3 to 5 days bigyan daw ako ng computation ng need ko isettle. Pero meron po nakapagsabi saken na irerequire ako to pay the unsettled amount plus yung balance ko pa this year..bale iffull payment ko na. Ganun po b tlga.? Sana po may mkasagot salamat po

Depende kung may acceleration clause sa contract na pinirmahan mo. If meron, then need mo nga bayaran lahat ng past due at all other payments.

Baka pwede mo naman paki-usapan na yung due lang muna bayaran. Surrender mo nga lang kotse as a sign of good faith.

Sent from my Samsung using Tapatalk

[atreyuken]

Ni re-repo ba ni banko kahit sira yung kotse as in hindi na umaandar?

[yebo]

Pa help nman po..
Pag nasa legal office na po ba pwede.pa.po bang inegotiate?
I was adviced kasi ng legal officer na ivoluntary surrender ko nlng yung car.
Meron po kasi akong missed payments (pdc payment) in 4 yrs ko pong pagbabayad.
Huling taon ko na this year and willing nman po ako isettle yung mga namissed out kong months pero yun nga isurrender ko daw muna yung car dalin ko daw sa head office ng bank.. then after 3 to 5 days bigyan daw ako ng computation ng need ko isettle. Pero meron po nakapagsabi saken na irerequire ako to pay the unsettled amount plus yung balance ko pa this year..bale iffull payment ko na. Ganun po b tlga.? Sana po may mkasagot salamat po

Ilang months ang arrears? If 5 months and more ang penalty mo based na sa total amount of outstanding loan. Pag 4 months below penalty is based only on the arrears.

Best is to talk to your bank manager. THE PERSON YOU ARE TALKING TO NOW, FROM THE LAW OFFICE, HAS AN ULTERIOR MOTIVE - THEIR FEE AS A LAW OFFICE. IF THEY COLLECT FROM YOU THEN THEY GET PAID. Go to the bank branch that extended you the loan. Kahit casa financing pa yan meron yan bank branch. Ask the manager to help you. I am sure the bank will be be more than happy tp collect the money from you without having to pay commission to a law firm. Also they are more interested in having you finish the loan instead of having a repo car that depreciates in value every month it stays in their warehouse.

[yebo]

NOW PAG HINDI MO NA TALAGA KAYANG BAYARAN, go to a second hand dealer. Sell the car. They will pay the bank whatever balance is still owed. Then whatever leftover money from the agreed price they will give to you. At least may nabawi ka na pera. At malinis ang credit record mo. You walk away with your good name.

Do i need to say to ask the bank to lessen the penalty since you will then be paying the loan in full? The more discount you get from the penalties the more money will be in your pocket later.

[yebo]

Ni re-repo ba ni banko kahit sira yung kotse as in hindi na umaandar?

Kahit junk, total wreck, burned, irerepo nila yan.

[atreyuken]

Kahit junk, total wreck, burned, irerepo nila yan.

maraming salamat sir/madam

[atreyuken]

mga ilan buwan ba bago ma repo yung sasakyan? kasi sakin nag request na ako (eastwest bank) mag 3 months na this coming feb 4. kaso hindi pa din ako tinatawagan or eniemail.
total shutdown kasi yung kotse eh ayoko na tapusin kasi 3 beses na nasira kahit gaano ka kaingat nasisira

[dr. d]

mga ilan buwan ba bago ma repo yung sasakyan? kasi sakin nag request na ako (eastwest bank) mag 3 months na this coming feb 4. kaso hindi pa din ako tinatawagan or eniemail.
total shutdown kasi yung kotse eh ayoko na tapusin kasi 3 beses na nasira kahit gaano ka kaingat nasisira

why not, "tatlong beses nako nasiraan ng kotseng yan! kalamansi car yan! i want my money back!"

sino ba dapat kinakausap, yung banco o yung dealer?

and may i ask, what vehicle is this?

[atreyuken]

why not, "tatlong beses nako nasiraan ng kotseng yan! kalamansi car yan! i want my money back!"

sino ba dapat kinakausap, yung banco o yung dealer?

and may i ask, what vehicle is this?

Hi Sir, FORD ECOSPORT. sirain sir sobra nag start sa transmission tapos nung pinagawa, kahit sabihin natin my warranty siya nung pinaayos ko, gumastos pa din ako sa mga parts na hindi daw kasama sa warranty tapos ang tagal gawin, nag babayad ako sa banko na wala akong ginagamit na sasakyan. tapos, yung iba pinangutang ko pa. pero, kung hindi naman sirain yung sasakyan kaya naman from monthly and maintenance. sabi pa nung sa autocollection, need daw ayos yung kotse, sabi ko wala na akong perang pam-paayos nakita naman nila sa email ko at naka elaborate ng maayos yung dahilan ko.

[shadow]

Hi Sir, FORD ECOSPORT. sirain sir sobra nag start sa transmission tapos nung pinagawa, kahit sabihin natin my warranty siya nung pinaayos ko, gumastos pa din ako sa mga parts na hindi daw kasama sa warranty tapos ang tagal gawin, nag babayad ako sa banko na wala akong ginagamit na sasakyan. tapos, yung iba pinangutang ko pa. pero, kung hindi naman sirain yung sasakyan kaya naman from monthly and maintenance. sabi pa nung sa autocollection, need daw ayos yung kotse, sabi ko wala na akong perang pam-paayos nakita naman nila sa email ko at naka elaborate ng maayos yung dahilan ko.

Anong ibang parts na binayaran mo under warranty?


Sent from my iPhone using Tapatalk

[atreyuken]

Anong ibang parts na binayaran mo under warranty?


Sent from my iPhone using Tapatalk

Yung reservoir tank reverse hose dahil sa kapalpakan ng mga nasa casa tas yung mga nasa loob ng transmission na parang hindi naman sira nilahat na nila. tapos yung battery ang bilis ma lobat kahit bihira ako ma radio etc.

[shadow]

Yung reservoir tank reverse hose dahil sa kapalpakan ng mga nasa casa tas yung mga nasa loob ng transmission na parang hindi naman sira nilahat na nila. tapos yung battery ang bilis ma lobat kahit bihira ako ma radio etc.

Transmission parts? Under warranty? Kahit palitan nila ng buong transmission wala ka dapat babayaran


Sent from my iPhone using Tapatalk

[atreyuken]

Transmission parts? Under warranty? Kahit palitan nila ng buong transmission wala ka dapat babayaran


Sent from my iPhone using Tapatalk

Yung sa tranny okay naman kasama sa warranty. pero yung iba na disaster nila na alam ko hindi naman yung sira sakin pinabayad. binayaran ko na kasi hindi ko mailalabas yung sasakyan kung hindi ko babayaran. ngayon sira na naman na inis na ako kaya nag request na ako ng voluntary surrender.

[jujjay]

Transmission parts? Under warranty? Kahit palitan nila ng buong transmission wala ka dapat babayaran


Sent from my iPhone using Tapatalk

there is a FB group that is working on filing a lawsuit against Ford Philippines kasi kahit under warranty Ford Philippines will find a way to still screw their customers.

"Sir under warranty part A but for us to fix that, you need to buy part B from us".

[MD21]

If you have any sort of decency, surrender your car. Its good to know that you at least have a dilemma about it.

Paano po mag voluntary surender sa eastwest bank?

[yebo]

Paano po mag voluntary surender sa eastwest bank?

Go to the bank manager and tell them. That way you get it straight from the horse's mouth.

Also, emphasize to them the difficulty of dealing with the Ford dealership. Sabihin mo yun ang reason bakit mo sinosoli ang kotse. Para naman next time they will not accept loan requests from that dealership. Malay mo they might even put the squeeze on the dealership and .... wishful thinking, but does not hurt to try.