assume balance problem

[squeesix]

whoa! tatlo na ang 'may-ari' ng sasakyan hindi pa bayad si bangko - naka-ilang 'assumptions' na.

[win23]

Nag assume po ako ng car sa 1st owner then After a year of payments I decided to forward to other person because of my financial changes. Nag execute po kami ng conditional deed of sale at bank loan confirmation. Ang problema po yun pinag pasahan ko ay sindikato. Meron din lumabas na victim. Same person Lang. Till now wala pa po ako actions na ginagawa. Gusto ni first owner bayaran ko ang balance sa bank which is 4yrs pa. Kaya nga po ako nag decide I-forward dahil s status of financial ko. Ano po kaya ang dapat ko gawin? Demand po ba ako ni bank at first owner? May obligation pa rin ba ako sa bank kahit wala na yun sasakyan sa akin? What if hindi ko kaya bayadan ang monthly amort? Baguhan Lang po ako dito .. Need help po talaga .. Salamat..

[win23]

whoa! tatlo na ang 'may-ari' ng sasakyan hindi pa bayad si bangko - naka-ilang 'assumptions' na.

Bale 2 po. from orig owner to me then sa pinag pasahan ko. Ano po dapat ko gawin. Until now wala pa ako actions na ginagawa. Kailangan ba namin ipa alam sa bank ang nangyari? Baguhan Lang po ako dito. Sana po matulungan nyo ako. Salamat po.

[Bin Diesel]

Bale 2 po. from orig owner to me then sa pinag pasahan ko. Ano po dapat ko gawin. Until now wala pa ako actions na ginagawa. Kailangan ba namin ipa alam sa bank ang nangyari? Baguhan Lang po ako dito. Sana po matulungan nyo ako. Salamat po.

Of course you need to inform the bank, you can ask them what you need to do including the original owner.
Kung totoong sindikato nga yan then you need to report it to the police.

[win23]

whoa! tatlo na ang 'may-ari' ng sasakyan hindi pa bayad si bangko - naka-ilang 'assumptions' na.

Of course you need to inform the bank, you can ask them what you need to do including the original owner.
Kung totoong sindikato nga yan then you need to report it to the police.

Tnx for the advice sir. Will the bank and the original owner will file a case against me? Obligado pa ba ako bayaran ang 4 na taon hulog kahit wala ang sasakyan? Pa ano po kung hindi ko kaya? Salamat po.

[Bin Diesel]

Tnx for the advice sir. Will the bank and the original owner will file a case against me? Obligado pa ba ako bayaran ang 4 na taon hulog kahit wala ang sasakyan? Pa ano po kung hindi ko kaya? Salamat po.

Yung fact na kinukulit ka ng original owner means mas may problema siya kumpara sayo.
Di ko alam kung covered ng insurance ang ganyang scam sa assume balance pero it's worth a try na tingnan mo yung angulo na icocover ni insurance. Long shot pero try mo na din makipagusap sa kanila.

[win23]

Yung fact na kinukulit ka ng original owner means mas may problema siya kumpara sayo.
Di ko alam kung covered ng insurance ang ganyang scam sa assume balance pero it's worth a try na tingnan mo yung angulo na icocover ni insurance. Long shot pero try mo na din makipagusap sa kanila.

Isa pa nga po yun problema. Expired na din insurance. Naka indicate din po yun sa execute namin deed na ire renew niya. Yun pala itatakas na niya yun unit. May possible po ba mag request sa bank ng foreclose sa mortgage or sila ang mag apply? to stop po sana yun monthly amortiAtion. Salamat po.

[Bin Diesel]

Isa pa nga po yun problema. Expired na din insurance. Naka indicate din po yun sa execute namin deed na ire renew niya. Yun pala itatakas na niya yun unit. May possible po ba mag request sa bank ng foreclose sa mortgage or sila ang mag apply? to stop po sana yun monthly amortiAtion. Salamat po.

Talk to the bank. That's the best thing you can do now.

[win23]

Talk to the bank. That's the best thing you can do now.

Thanks for the info and the advice mga sirs. Mag blotter muna ako sa police then do the police report then report ko sa bank. Mag update po ako soon regarding for your advices. Salamat po.

[squeesix]

Talk to the bank. That's the best thing you can do now.

+1 - talk to the bank, & the original owner, seek legal advice if you can have it beforehand.

[ninjababez]

Wow my boss got declined for loan transfer. Taragis milyon milyon ang pera sa bank na-decline mag assume mortage sa halagang 650k na auto? Weird!

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[Mask Rider Blac]

Wow my boss got declined for loan transfer. Taragis milyon milyon ang pera sa bank na-decline mag assume mortage sa halagang 650k na auto? Weird!

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There are five Cs of credit:
- Character
- Capacity
- Capital
- Collateral
- Conditions

Ung milyon milyon ng boss mo is part of Capacity.

How about the other four Cs, pasado si boss mo?

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[shadow]

I-loan niya doon sa bank na meron siyang Milyon-milyon yun kotse


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[papi smith]

Pinakita ba nya sayo ang bank statement nya?

[ninjababez]

There are five Cs of credit:
- Character
- Capacity
- Capital
- Collateral
- Conditions

Ung milyon milyon ng boss mo is part of Capacity.

How about the other four Cs, pasado si boss mo?

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Bro can you expound? wala sya naging problem kasi nung mag loan sya ng impreza eh (2 years * 50% dp)

Collateral lang and character masasagot ko dyan. ganda ng track record nyan sa office (both management and rank & files).
Family background (in terms of financial capability) ok din naman.

Isa lang naalala ko bigla eh
Yung subaru lang nya yung first and only loan nya, as he wants to establish his credits (barkada pa nya nag payo). Do you think this is the reason? Thanks bro

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[ninjababez]

Pinakita ba nya sayo ang bank statement nya?

Yeah we are that close bro. But that was when he was just a team captain. Yabangan kasi kami nung time na yun. asaran barkada, medyo malaki kasi kinita ko dun sa isang deal. Alam ko naman na wala yun sa kalingkingan ng pera nya, pero i was trying to convince him to invest.(hindi MLM ha)

Btw this guy is so cheap
Grabe di talaga nanlilibre maski sa agents nya.

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[ninjababez]

I-loan niya doon sa bank na meron siyang Milyon-milyon yun kotse


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In a way bro he was helping me rid of my mortage. Btw he gave the car to his dad, uses it for coding lang.

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[shadow]

In a way bro he was helping me rid of my mortage. Btw he gave the car to his dad, uses it for coding lang.

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Ganun pa rin naman lalabas. Parang loan ng second hand car pero doon Sa bank Lang niya na meron siya deposit mag loan. Then bayaran ng bank niya where you had your car loan.

[dr. d]

Wow my boss got declined for loan transfer. Taragis milyon milyon ang pera sa bank na-decline mag assume mortage sa halagang 650k na auto? Weird!

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baka naman, hindi pa fully paid yung na-unang loan..?

[shadow]

baka naman, hindi pa fully paid yung na-unang loan..?

Meron naman siya capacity eh. So I don't think that's the reason.