assume balance problem

[vinrem]

D ba you can't sell a car if naka loan pa? Pano nabenta ng kapatid mo eh yung car according to you ay nasa pangalan mo, d ba you need deed of sale and dapat ikaw ang pumirma dun?

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[_Qwerty_]

malamang binenta lang nang mura tapos pinasalo.. kaso yung bumili hindi na binayaran yung loan..

D ba you can't sell a car if naka loan pa? Pano nabenta ng kapatid mo eh yung car according to you ay nasa pangalan mo, d ba you need deed of sale and dapat ikaw ang pumirma dun?

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[box_type]

the only advise i could say this time is go to a lawyer...

[dr. d]

Hello, just want to ask for advise.

Yung kapatid ko used my name sa car loan, ever since, sila yung gumamit ng car na approved under name ko. However, nag-away kami and i heard binenta nila yung car sa iba. Now, psbank is calling me to inform na di pa bayad yung car (one month delayed na). I asked for the number of the buyer pero di nila binibigay.

Really need a legal advise on this. I dont know what to do

"that wasn't me, who signed the contract."
i think the SA is also involved. didn't he check the person's identity?
consut your lawyer, po.

but first, a question. "are you sure, you did not in any way, imply approval?"

[dct]

Ang pagkakaintindi ko, pumayag sya to use his name. Nung ok pa sila. Kaso nagaway sila ngayon. Tapos binenta nya yung sasakyan? Ganun nga ba?

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[_Qwerty_]

kung ganyan ang case and di sa kanya talaga yung sasakyan and liable sya don sa loan.. bayaran nya yung monthly tapos report nya as car napped yung sasakyan..

Ang pagkakaintindi ko, pumayag sya to use his name. Nung ok pa sila. Kaso nagaway sila ngayon. Tapos binenta nya yung sasakyan? Ganun nga ba?

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[leonleon]

+1, report ni TS na na carnap yung sasakyan.

[ray_noel]

I disagree, since his bro is willing to throw him under the bus by destroying his credit standing.


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Bruh, this thing is amicable...

I’m sure his brother still love his own blood... hindi naman ito henious crime... may mga misunderstanding lang na pwede isettle and of course with the love and kindness as one family, it can be corrected...

i know its hard and it takes a lot of courage to do that... but by praying and asking God for guidance it will become easy...



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[vrbablen]

Hello all, sorry for the late reply. So basically what happened was my brother asked a favor from me na magloan sila kotse ng asawa nya under my name. I agreed and signed the contract coz i fully trusted them na they would pay the car religiously. They even asked me to sign something, I'm not sure if deed of sale yun, para daw madali nalang transfer of property kapag ituturn over na yung sasakyan after 5 yrs.

Until now they wont answer to my calls and texts kung ano details nung buyer ng car, wala din akong any documentation on hand na may consent yung pag benta nila ng car sa iba.

it's a big problem for me coz im working in the banking industry and i know it will greatly affect my credit score.

I don't want to resort sana to legal process pero sobra nila kong ginigipit even if I helped them in the first place. Thanks for all your replies, greatly appreciated!

[vrbablen]

I disagree, since his bro is willing to throw him under the bus by destroying his credit standing.


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Yes, i even have a screenshot na sinabi nya sa mom ko na wala siyang pakialam kung masira man pangalan ko. :/

[EQAddict]

Better go to the police then.....

And tell your brother you are reporting the car as carnapped and he is the suspect. That will make him think twice.

Record any reply he sends you....

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[dr. d]

yung witness sa GCT Buco-R scam na nagka-taong napanood ko sa TV,
he said he was in jail because the judge found him guilty of forging a signature in a deed of sale (ng lupa).

[jjmd3_787]

It is a known and unfortunate fact that relatives or/and people close to you are the first ones to abuse your trust and generosity ...

Try to talk to him again and again. Don't tire. Family will always be family. But if your reputation and accountability is on the line which will affect your own family in the future, get a lawyer and give him a lesson of a lifetime.

[_Qwerty_]

file a police report.. carnapped car suspect brother mo.

[shadow]

If that's the case then protect yourself ASAP.

At the end of they day sayo ang bagsak niyang since sayo naka name ang loan. Alam mo naman yan since you're working in a bank.


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[chronicle]

Parang na goyo ka ng kapatid mo.
"Tiwala"

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[dr. d]

Hello all, sorry for the late reply. So basically what happened was my brother asked a favor from me na magloan sila kotse ng asawa nya under my name. I agreed and signed the contract coz i fully trusted them na they would pay the car religiously. They even asked me to sign something, I'm not sure if deed of sale yun, para daw madali nalang transfer of property kapag ituturn over na yung sasakyan after 5 yrs.

Until now they wont answer to my calls and texts kung ano details nung buyer ng car, wala din akong any documentation on hand na may consent yung pag benta nila ng car sa iba.

it's a big problem for me coz im working in the banking industry and i know it will greatly affect my credit score.

I don't want to resort sana to legal process pero sobra nila kong ginigipit even if I helped them in the first place. Thanks for all your replies, greatly appreciated!

based on your updated narration,
i-habla na nyo, po.

[Tha_Mann]

Hello all, sorry for the late reply. So basically what happened was my brother asked a favor from me na magloan sila kotse ng asawa nya under my name. I agreed and signed the contract coz i fully trusted them na they would pay the car religiously. They even asked me to sign something, I'm not sure if deed of sale yun, para daw madali nalang transfer of property kapag ituturn over na yung sasakyan after 5 yrs.

Until now they wont answer to my calls and texts kung ano details nung buyer ng car, wala din akong any documentation on hand na may consent yung pag benta nila ng car sa iba.

it's a big problem for me coz im working in the banking industry and i know it will greatly affect my credit score.

I don't want to resort sana to legal process pero sobra nila kong ginigipit even if I helped them in the first place. Thanks for all your replies, greatly appreciated!

bro, I also work in the banking industry. pag nag issue ka nga ng bouncing cheque eh ipatatawag kana sa HR. malamang ma apektuhan employment mo dito if you don't settle it right away.

no choice ka, so consult a lawyer na talaga.

[mc.jayronn]

Hi tsikoteers! Just wanna throw in this question, what are the risks of getting “assume balance cars”?

Trying to get my first car, either assume balance na 1 or 2 years remaining nalang or low budget cash.


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[ninjababez]

Hi tsikoteers! Just wanna throw in this question, what are the risks of getting “assume balance cars”?

Trying to get my first car, either assume balance na 1 or 2 years remaining nalang or low budget cash.


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never, unless you are 100% sure di mo tatakbuhan or hindi babawiin sayo pag fully paid na.
backread ka lang ng 2-3 pages,


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