Quote Originally Posted by Jops0802 View Post
Mga bros, yung case naman namin similar pero ganito:

We recently paid in full yung car loan ng misis sa BDO ko using the payment of a buyer of our car. Di na namin kasi kaya ituloy yung loan pero nabayaran namin ito for almost 3 years out of 5 ng walang palya. Usapan namin ng bumili ay pagkabsyad, pa release namin yung mortgage papers para I turnover sa kanya.

Laking gulat namin na ayaw I release ng banko
Kasi daw ako as CO-MAKER may utang pa sa credit card. Yung credit card unpaid balance naman, may separate payment arrangement na ako with their collection agency. Sabi ng banko kailangan daw mabayaran lahat ng balance bago i-release.

Nag appeal kami kasi ang wife ko naman ang principal borrower at Co maker lang ako. Based sa definition ng Co-Maker sa BSP, wala naman nakallagay na responsibility ng principal sa utang ng Co maker lalo na kung unrelated transaction.

Nagbibingibingihan yung mga hayup sa banko kaya sumulat na rin ako sa BSP consumer affairs.

May laban pa ba kami? We are trying to fix our finances pero etong banking eto Finding ways to victimize and blackmail you ang dating.
Suggest ko sa yo bro is to get a lawyer that is well versed in banking litigation. Looks like iniipit ka ng BDO para ma ensure nila na mabayaran mo rin yung outstanding balance mo sa CC by holding the release papers of your wife’s car.


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