Selling a car loaned from the bank

**alvinladen** · October 23rd, 2017 12:23 PM

I have a friend na nanghiram ng pangalan ko para makapag loan sa bank kasi hindi sya approved. Nung nakuha na nya ang car, puro delaying tactics na ang ginagawa para hindi magbayad. Kaya nya daw mag start ng bayad pero sa december pa pero hindi ako pumayag. Hanggang ngayon gamit pa nila ang sasakyan.

Meron ba kayo alam na company or individual na pwede magtuloy ng payments sa sasakyan na naka loan sa bank? Any other alternatives para ma dispose ko yung sasakyan? Hindi ko na kasi need ng sasakyan at ayoko naman bayaran ang mga monthly payments.

Also, any tips kung paano ko kukunin yung sasakyan from them na hindi ako gagamit ng force? Matutulungan ba ako ng mga police?

The vehicle is Toyota Fortuner 2018 4x2 V. P460k ang down and 30k ang monthly for 5 years. Kakakuha lang last month. Thanks!

**MamBad** · October 23rd, 2017 01:52 PM

Bat ka pumayag?

Assume balance lang ata ang option.

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**alvinladen** · October 23rd, 2017 02:05 PM

masyado kasi ako nagtiwala. this year lang ginawa pa akong ninong ng bunso nyang anak.

if meron kayo gusto magpa assume balance let me know.

ang color pala is Bronze Metallic. Thanks!

**jodski** · October 23rd, 2017 06:01 PM

Originally Posted by alvinladen

masyado kasi ako nagtiwala. this year lang ginawa pa akong ninong ng bunso nyang anak.

if meron kayo gusto magpa assume balance let me know.

ang color pala is Bronze Metallic. Thanks!

Ouch... hindi kaibigan tawag dyan bro.

Para na ngang technical carnapping na yan kung tutuusin.

Go get a lawyer this early and inform your bank.

Kapag lalo mo pinatagal yan, ikaw ang mailalagay sa alanganin

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**falken** · October 23rd, 2017 06:07 PM

Tama si jodski, kuha ka na ng abugado.

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**dreamur** · October 23rd, 2017 06:30 PM

The story is not complete. Who paid the DP? Who is paying the monthly amortization?

If the car is under your name, do you have a copy of thr OR/CR? Talk to your friend to know the real reasons for the delinquency.

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**yebo** · October 23rd, 2017 08:44 PM

ang laki naman ng bato na pinukpok mo sa ulo mo.

nasa name mo ang car. so ireport mo na ninakaw ng "friend" mo. sabihin mo sa pulis hiniram tapos ayaw na isoli. pag nabawi na then ibalik mo sa bank.

**yapoy86** · October 23rd, 2017 08:58 PM

Originally Posted by alvinladen

I have a friend na nanghiram ng pangalan ko para makapag loan sa bank kasi hindi sya approved. Nung nakuha na nya ang car, puro delaying tactics na ang ginagawa para hindi magbayad. Kaya nya daw mag start ng bayad pero sa december pa pero hindi ako pumayag. Hanggang ngayon gamit pa nila ang sasakyan.

Meron ba kayo alam na company or individual na pwede magtuloy ng payments sa sasakyan na naka loan sa bank? Any other alternatives para ma dispose ko yung sasakyan? Hindi ko na kasi need ng sasakyan at ayoko naman bayaran ang mga monthly payments.

Also, any tips kung paano ko kukunin yung sasakyan from them na hindi ako gagamit ng force? Matutulungan ba ako ng mga police?

The vehicle is Toyota Fortuner 2018 4x2 V. P460k ang down and 30k ang monthly for 5 years. Kakakuha lang last month. Thanks!

Can you be my friend? Swerte naman ng friend mo boy....

Walang ibang kausap si bank dyan kungdi IKAW.. so better report it as carnap and let the police retrieve it.. then surrender mo na lang sa bank or ikaw na maghulog at gumamit nung sasakyan.. yun ay kung maayos pa yung sasakyan mo

**EQAddict** · October 23rd, 2017 08:59 PM

Your credit rating will be screwed. No bank will lend you money for the next 11 years. Kawawa ka naman.

Better fix this asap. Red flag na when the bank denied him credit and then he tried to circumvent it by making you the alleged buyer.

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**yebo** · October 23rd, 2017 09:16 PM

Originally Posted by EQAddict

Your credit rating will be screwed. No bank will lend you money for the next 11 years. Kawawa ka naman.

Better fix this asap. Red flag na when the bank denied him credit and then he tried to circumvent it by making you the alleged buyer.

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11 years lang ba? anyway this case is not your run of the mill foreclosure. iba ito e, conspiracy to commit fraud. baka perpetual disqualification na yan from any loan and credit. kung ako yung bank at may record na ganyan kahit cash card di ko bigyan yan.