Actually nagbabase lang ako sa sinabi ng agent nila na in one month switch to loan na. Parang in bad faith kasi yung dating ng kwento.
^
Yan ang mahirap pag naka encounter ka ng sales agent na walang kwenta, pera lang ang habol (no pun intended). After the sale, and after claiming his/her commision ... bye-bye!
From what I understand sa contract with TFS, nka lease muna sa buyer of the car since hindi pa fully paid (with corresponding interest) then after completing the payment terms, say 5 yrs, then the buyer should secure a document from the TFS na fully paid na cya to have the OR & CR registered to his name na.
In the meantime na naghuhulog pa yung buyer, ang nkalagay sa OR & CR ay "TFS leased to (name of the buyer/lessee)".
*TS, saan bnda sa contract nakalagay na isosoli mo yung kotse after you have paid for it in full???![]()
sir.. tama ka na kapag sa TFS naka loan ang unit.. ang nakalagay sa OR/CR ay TFS Leased to (name of the buyer) kaya Leased ang term.. pero pag sa bank naman naka loan ang unit ang tawag dun ay Chattel Mortgage at ang nakalagay sa OR/CR ay pangalan na ng buyer kse binayaran na sya ng full ng bank pero yung original copy ng OR/CR ay nasa possession ng bank.. ibibigay lang yun sayo once ma fully paid na yung loan sa bank..
sa case naman ni TS.. hindi ko maintindihan na after ma fully paid then hihilain na yung unit.. sino ba naman ang papayag ng ganun?
ang aking palagay sa sitwasyon ni TS ay parehong hindi alam ni Sales Agent at buyer kung ano ang ginagawa/ginawa nila.. cguro since ang term sa contract ay Leased kaya ang interpretation nila pareho ay rent lang at kelangan isoli after ng contract..
pero kung ikaw naman ang buyer sasabihin mo kay Sales Agent na ang gusto mo ay bumili ng kotse at hindi mag renta at ipapasok mo sa loan whether bank or TFS..
buhay nga naman.. cguro sa sobrang excitement ni uncle bumili ng kotse nakalimutan na kung ano dapat gawin sa ganyan..
TS ang nakalagay lease, pero wala nakalagay na isosoli kotse after 5years. Please before assuming anything clarify it muna with TFS 32floor gt tower international makati city. Or ko nakalagay tfs leases to my name.
Palagay ko sa dami ng nagavail ng tfs mali ung interpretation mo you are just creating a ghost of your own.
In the end tama sila huuing in good faith and in case afyer 5years nagkatotoo ung sinasabi mo na isosoli kuha ka tro mas mura at hayaan mo sila na iporve ung hurden nila para sila ang gumastos.
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Guys nakausap namin yung manager. Ayaw talaga nila iconvert sa lease to own.
Sa mga naguguluhan contract for lease lang talaga nakalagay eto pa nakasaad dun "after fulfilling the contract the lesse must surrender the item to the lessor in good condition" etc etc. scan ko na lang bukas yung contract for full details.
Nakakabwisit talaga. Sayang naman yung downpayment at ilang monthly payment para isoli nalang yung auto... eh kung pa chop chop nalang kaya tas sabihin na car nap?tutal wala pa naman plaka. Bahala sila maghabol sa insurance hahaha :D
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Ulul din yun ahente nyo eh no makabenta lang. Both his fault and your uncle's though for not reading the contract. Interested in how this will turn out. Sobrang lose lose situation uncle mo. Isoli niyo nalang yun auto if toyota is willing to take it back and charge it to experience.
naloko sya ng ahente sabi kc LEASE muna para makuha agad yung car and after 1 month papalitan na ng lease to own. Eh loko din yung ahente di naman pinalitan at di na pwede palitan kaya muntik na masapak ng tito ko e.
Ang lupit nga ng contract eh. nakalagay pa eh lahat ng accessories na ilalagay ni lesse sa kotse ay mapupunta sa lessor afrer the contract.
anak ng!! malinaw pala naka stipulate sa contract e.haha. next time basahin muna kontrata bago pirmahan.ibalik nyo nalang sasakyan.hayaan nyo na yung 80k. pag nagdemanda kayo sasakit lang ulo nyo at lalaki gastos
Wow. I didn't know there's such an option with TFS na lease lang. I'm from Toyota Global btw... All I know is lease-to-own lang ang inooffer ng TFS, and that's what we use with our TFS promos. With Lease-to-Own, You're basically paying the same monthly like with a Bank's Chattel Mortgage contract which ofcourse you also get to keep your vehicle once you complete your term. Only Advantage to the customer is lower Downpayment since we don't pay for Chattel. The Difference on the ORCR?
TFS leasing is like this:
TFSPH leased to: Juan Dela Cruz
You can only change this once you complete your lease contract.
Now on the contract, it is indicated that it's a LEASE agreement, BUT there is this ADDENDUM to the main lease contract stipulating that the ownership of the vehicle will be transferred to the client once term is complete. IF you don't have this, you can actually request it from TFS. Better go to TFS directly to clarify things, I'm sure di na alam yan ng agent mo. If he/she knew it there won't be any problem in the first place.
So wag ka kabahan, just pay the proper monthly dues & you'll surely get to keep your vehicle.![]()
Last edited by wilcats; November 7th, 2013 at 12:19 PM.
* TS. Don't worry, be happy!
Maraming Tsikoteers dito na empleyado ng Toyota.
I'm sure na meron nang nagve- verify ng kaso mo with TMB.
Hindi naman siguro sila nag- aalaga ng ANAY.
Lalabas din ang katotohanan...