[summer88]

This thread is a continuation of the following related but locked threads:
Part 1 - Money Lending Business
Part 2 - Pautang or 5-6 Business

Very informative thread indeed .. na encourage tuloy ako sa lending business since this is my very very first business medyo na naliwanagan ako.. lalo sa rediscounting

ask ko po pala.. ano po pala penalty sa bounce check?

[trader202]

i smell an ESTAFA case. Tell your atty to sue your client with BP22 and ESTAFA. Civil/Criminal case. Act quickly! I bet your client is out of town or in hiding! Good Luck!

Sir pogy_uy.. I'm now at crisis which I need please your assistance and to other expert here. For three years, nadali din ako!..

Meron akong napahiram na below Php100K (for sure small claims bagsak), at di na nakabayad for 6 months na at puro pangako lng. Meron akong pinapirma agad na Promissory Note (not yet notarized) which will due this end of Aug.. I felt na di pa rin sya makabayad, kaya naghanda na ako ng demand letter.

Sir, I'm on Cavite.. mayroon po ba kayong ma-refer na lawyer na pwedi kong mahingan ng advice for worse scenario comes? Para mapadali ito at mga magkano aabutin gastos.. Advance thanks. 

[pogy_uy]

Well there are attorneys who won't charge you right away. They would ask a 25% on the AMOUNT DUE for attorney's fees when the money will be hopefully collected. I suggest you find an attorney. Have him make a demand letter to make it Legit.

[trader202]

I see, 25% pala... nabasa ko na rin ito sa previous pages. If I'll go directly to a private attorney, how long it will take kong i-dahilan pa ng borrower na walang talgang pera. If I'll go also to public prosecutors office to file, mukhang masyadong mabagal ang process. Kaiinis at masisira na tlga friendship namin.  

Thanks sir pogy_uy...

[Bp22estafa]

lending 101, wag magpapahiram sa friendship.

a demand letter won't cost much, ask around sa mga lawyers or law offices around your area. i believe Sir Puberer also resides in Cavite.

Good Luck & i hope you can recover your money soon...

[trader202]

Tama po madam Bp22estafa, sometimes... at to much closeness, it losses respect and safeguards. Another lesson here for a lender like us... 

At end of Aug ang inis-state kong deadline sa Promissory Note nya. Tama si sir pogy_uy, dapat na lng tlaga lawyer yung gagawa ng demand letter. 

Sir Puberer, please give inputs.. 

[bobie]

[puberer]

@ sir trader202

sir wala po ako kilala sa cavite na lawyer.  Ang lawyer lang na kakilala ko is sa manila city hall, uncle ng wife ko then yung fiscal na kumpare ng mother ko na may ari ng law office. sa ngayon wala pa naman ako nadedemanda kaya di ko pa natatanong rates nila.

magtatanong ako sa mga kaibigan ko sa cavite kung meron sila kilalang lawyer sa cavite na mababa maningil.    

[ric_TNT]

[tops5450]

Madam BP22estafa...  

wow madam Bp

[puberer]

Kung sa Cavite, pwede kayo lumapit kay Nardong Putik, mas mura maningil yun kasi hindi naman nag-aral ng law at bala lang ang ginagamit niya paniningil.  

naku mahirap din maging client yan.  ang ibabayad niyan sa iyo bala!    

[m35]

i have same case with trader202. may pinautang ako worth 200K to a person i consider a friend. it was meant to be a capital for our lending business. i entrusted all its operation. i just receive the interest monthly. in the first few months, profit was good. however last jan i receive nothing from my investment. i confronted my partner what happened, he told me that it was misused by his partner. he promised that he will be one to pay me. as form of security, he issued me pdc. to my surprise, when i deposited the first pdc, the bank stamped it as closed account. i started making him kulit to pay. he was paying naman but it was so minimal and not on regular basis. kinulit ko uli sya and we executed a promissory note pero di rin nasunod. ala pa rin ako nareceived na payment.

what should i do? please give me advice. thanks

[mjm5884]

Sa mga nagpautang at ndi na binabayaran, ano po ung hiningi nyo sa umutang sa inyo? Covered ng PDC's (is there a way of checking if the account is closed or not within a short period of time?) and a notarized contract?

[trader202]

wow madam Bp

oops.. mali pala, di ko po alam. 

ric_TNT: may picture din ako ng borrower pati mga co's nya, balak ko na po sanang dalhin kay "Alias Paniki" para ipakulam.

m35: since may hawak po kayong PDC's.. pwedi kayong mag-file ng case for bp22, dalhin nyo po sa prosecutor office sa lugar nyo. Ang sa akin kasi ay Promissory Notes at walang PDC's, kya sa small claims bagsak nito. (pls correct me if I'm wrong here.). I think, mapaliwanag 'to ng husto ni SIR BP22estafa, pangalan pa lng.. tugma nah. 
 

Posted on: Jul 29, 2010, 09:30 AM

magtatanong ako sa mga kaibigan ko sa cavite kung meron sila kilalang lawyer sa cavite na mababa maningil.   

Advance thanks puberer, asahan ko po... tanong ko na rin, SIR po ba kayo o MADAM?. You know..... 

[Bp22estafa]

Sa mga nagpautang at ndi na binabayaran, ano po ung hiningi nyo sa umutang sa inyo? Covered ng PDC's (is there a way of checking if the account is closed or not within a short period of time?) and a notarized contract?

ako yung bayad. pag medyo substantial na yung amount better ask for a collateral as guarantee & sign of good faith na rin yun on their part na they are sincere or serious to pay for their obligations.

by the way, ano ba ang written agreement niyo before you gave out the loan? this is crucial sa case mo