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Question about bank car loan


This discussion is about "Question about bank car loan" in the "Automotive" forums.
naa koy pangutana mga bossing... naa ko 1yr 6months nga sakyanan... loan ni from bank... naa mo idea unsay paagi if dili nko kabayad? pabayron ...

  1. #1
    Elite Member .C.I.A.'s Avatar
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    Default Question about bank car loan


    naa koy pangutana mga bossing...

    naa ko 1yr 6months nga sakyanan... loan ni from bank...
    naa mo idea unsay paagi if dili nko kabayad?
    pabayron ba jud ko ani or imbargo ang unit?

    salamat

  2. #2
    C.I.A. Kristiano's Avatar
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    notice sa bangko.. or embargo.. or e-deposit nlng kysa madaut imong bad record...

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    Elite Member .C.I.A.'s Avatar
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    Quote Originally Posted by Kristiano View Post
    notice sa bangko.. or embargo.. or e-deposit nlng kysa madaut imong bad record...
    so meaning i-surrender nlng nako ang unit? gahuwat ra jud biya ko naa mokuha sa unit... 2 months nako walay bayad...

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    Senior Member RACER X's Avatar
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    Padal-an cguro ka ug demand letter ana. If you pay, with interest na. Otherwise, ma sherrif gyud na.

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    Elite Member .C.I.A.'s Avatar
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    Quote Originally Posted by RACER X View Post
    Padal-an cguro ka ug demand letter ana. If you pay, with interest na. Otherwise, ma sherrif gyud na.
    unsa pasabot ma-sheriff boss? dakpon ko ani or kuhaon ra ang unit? tsk

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    bai i pm ko kun unsa nga sakyanan.basin pwede nako ma assume.thanks

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    Elite Member koykoy's Avatar
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    dili man na automatic TS na kuhaon, muagi pa na ug legal process.

    magsugod pa na sa collection letter then demand letter then final demand legal letter (not necessarily ma follow ni ang 3 ha).

    if di mo magkasinabot sa terms sa pagbayad, usually mu ask na ang voluntary surrender, as in sabot2x ra (which is ma redeem nimo in a specified period of time) or extrajudicial foreclosure (meaning dili na muagi ug court order). if medyo ma ascertain sa bank na kuti ang client or walay response, i judicial foreclose na or replevin which is ang gi- ingon nila "ma sheriff" kay kuhaon gyud na by force if needed. kana maglisod na kag redeem kay daghan na man nag legal fees + insurance bond.

    isa pa diay, bisan ma foreclose unya less ra ang value sa collateral, pwede mu file ang bank ug deficiency nimo. like 300k imong bayranan (including attorney's fees, liquidated damages, etc) then 150k ra value sa na foreclose (based sa bid price inig foreclose), pwede na i-file nimo ang 150k deficiency. pwede pud na i-attach sa imong other properties.

    so mas maayo na magsabot mo sa bangko whether naa pa ba kay intention mubayad or unsa na terms ang maayo para ninyong duha or imong i voluntary surrender or dacion en pago (meaning ang payment sa imong utang kay ang car na). ayaw na huwata na ma sheriff kay maglisod nakag pangutang sunod or worse, ma filean ka ug deficiency.
    macgarz likes this.

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    C.I.A. Kristiano's Avatar
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    Quote Originally Posted by .C.I.A. View Post
    so meaning i-surrender nlng nako ang unit? gahuwat ra jud biya ko naa mokuha sa unit... 2 months nako walay bayad...
    sorry late rep.. waiting for my wife's advice.. ayaw na paabta ug 3 months..

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    good day istoryans!

    maayo sad ta ko og advice regarding similar matter,
    akong sakyanan kay Kia Picanto MT 1.0 black, then 5 going 6 months n ni nko. Wala jud ko kabayad ani maski 1 month (3 YEARS to pay d.i ni, 18.5k ang monthly).

    start sa sugod.

    Akong financer sa sakayanan which is my older brother, dli gnahan og manual, then ana cya if dli m.exchange og automatic ipauli nlng ang sakyanan (wala pay 1 week sa amo ang car). So i tried asking the agent if pede ba, then ana cya dli daw kay wala daw cla n.inform daan nga pailisdan ang car then daghan daw factors tan.awon if e.exchange like mileage og etc. (104km ra akong milieage ato then naa cyay 10+km daan pagkuha namo sa car).

    So, no choice, e.uli nlng jud ang car, so n,adto sa bank (wala pay 1 month). I tried asking if pede ba m.uli ang car, then n.ana cla nga dli daw, nid daw og valid reason - nmobot ko, i said nga mlarga ko sa Australia daun walay makagamit sa car, daun g.ingnan ko sa staff sa bank (east west) nga mangayo daw cla og photo copy sa visa plus send a letter of intent sa manila nga e.uli nko ang car daun subject for approval pa daw.

    N.uli ko thinking nga ipa.embargo nlng ang sakyanan - kay lage maoy storya sa ubang taw nga kuhaon ra daw n sa bank if dli ka kabayad nya maximum of 3 months. Going 6 months nlng, wala man koy nadawat nga letter or demand letter sa bank.

    So i need your expertly advice!

    Salamat!

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    Quote Originally Posted by .C.I.A. View Post
    naa koy pangutana mga bossing...

    naa ko 1yr 6months nga sakyanan... loan ni from bank...
    naa mo idea unsay paagi if dili nko kabayad?
    pabayron ba jud ko ani or imbargo ang unit?

    salamat
    Sir nakuha ra sa bangko imo unit or imo nlng gisurrender sa bangko? Ako man gud pod going 4 months na wala pko kontaka sa bangko
    macgarz likes this.

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