Some people still have confidence, which confidence may be regarded as misplaced by others, in the deterrent effect of Batas Pambansa Blg. 22, also known as the “Bouncing Checks Law” (full text here). Here are some things a layman should know:
1. Filing fees are generally not required for criminal cases. For B.P. 22 cases, however, the complainant is required to pay the filing fee (based on the value of the check/s and the damages claimed, just like in civil cases) upon filing of the case in court.
2. One major deterrent against the issuance of bouncing checks is the threat of a warrant of arrest being issued once the criminal case is filed in court. This is no longer true. No warrant of arrest is issued unless the accused fails to appear when required by the court.
3. Even if a criminal case under B.P. 22 is filed, the court cannot issue a hold-departure order. All violations of the Bouncing Checks Law, regardless of the amount involved, are filed only with the municipal/metropolitan trial courts. These courts cannot issue a hold-departure order.
4. Courts have the discretion of imposing: (a) imprisonment only; (b) fine only; OR (c) both. It is entirely possible that only a fine, without imprisonment, will be imposed.
5. The issuer is not automatically liable simply because the check “bounced”. A check generally “bounces” when dishonored upon presentment (reasons include: account closed, drawn against insufficient funds or DAIF). However, it is indispensable that the issuer must be notified in WRITING about the fact of dishonor, and he has five (5) days from receipt of the written notice within which to pay the value of the check or make arrangements for the payment thereof. This is based on the 1999 decision of the Supreme Court in King vs. People of the Philippines (G.R. No. 131540).
Recently, the SC “appears” to have relaxed this ruling in the 2005 case of Yulo vs. People of the Philippines (G.R. 142762). In this case, the SC reiterated the elements or requisites of the offense penalized by BP 22:
- (1) the making, drawing, and issuance of any check to apply for account or for value;
- (2) the knowledge of the maker, drawer, or issuer that at the time of issue he does not have sufficient funds in or credit with the drawee bank for the payment of the check in full upon its presentment; and
- (3) the subsequent dishonor of the check by the drawee bank for insufficient funds or credit or dishonor for the same reason had not the drawer, without any valid cause, ordered the bank to stop payment.
It is immediately clear that the “written notice” is not an element of the crime. In fact, in the Yulo case, the High Tribunal rejected the argument of the accused regarding the absence of a written notice, thus:
We likewise find no reason to sustain petitioner’s contention that she was not given any notice of dishonor. Myrna had no reason to be suspicious of petitioner. It will be recalled that Josefina Dimalanta assured Myrna that petitioner is her “best friend” and “a good payer.” Consequently, when the checks bounced, Myrna would naturally turn to Josefina for help. We note that Josefina refused to give Myrna petitioner’s address but promised to inform petitioner about the dishonored checks.
This ruling, however, did not categorically overturn the doctrine enunciated in the earlier King case. In other words, at this stage, both sides could logically argue either way. (See also: Basic Reminders in Preventing Check Fraud)
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hi warrior.
Gug pm.. tanong ko lang po may loan po kasi ako last year, and i issue post dated check, kasi un daw un required,. nakakabayad naman ako on time before, kaso due to finacial crisis, at nawalan na din po ako ng trabaho, bread winner pa ko sa pamilya ko.. d na ko nakahulog, parang nagclose aacount na ako sa bangko kasi hindi ko na sya napopondohan ng pera.. sa ngayon po kasi wala pa po akong trabaho, naghahanap palang..
Ano po bang pwede kong gawin?
Ano po ba makukulong po ba ako?
Please advise me…
Thank you po..
Ano na po ang nangyre sa inyo ngayon…
good pm, i also have the same problem with our checks, makukulong po ba kme pag di po namin nabayanran yung mga checks na na issue namin sa mga banks na may loan kame, ano po ba ang dapat namin gawin?
Magandang araw po ask ko lang po kapag ang nag issue ng checke lage na atnd ng hearing hnd po ba sya makukulong 7 checks po ang talbog nya sa akin nagkakahalaga ng 1.2m po.
Ive been in court case of bp22 for 10,000 I will not let myself be in court in this small amount if I am guilty with this. I want to continue go in court to prove that I already paid it. This is the story.
Dahil sa financial problem and need immediate remedy, I look for a person that can help me, isa sa staff ko refer her friend na isang agent ng check rediscounting interest of 20% per month, dahil sa badly need ako kaya grab ko even high interest. I issued check to her within the day binigay nya pera sa akin. Then less than a week before mag due I text her na baka pede ko ito tubuan muna dahil di pa maganda flow ng budget ko, then she aggree and kinuha nya ang tubo na 2K pinuntahan nya ako sa office ko. Binigay ko new check ko for replacement ng may bago due date di pa nya dala yun old check ko dahil dapat daw dala na nya kapalit na check bago irelease yun una.Sabi ko cge by next week na nya bigay dahil thursday nun at friday naman di ako makakapsok dahil check up ko, sat and sun wal naman kami pasok. Days after agent maybe its the exact date of my check agent called me na on going na daw yun pagdep ng check ko at di daw makontact yun nagdedeposito para ipahold,nagcomplaint ako sa kanya na bakit ganun they agreed naman na tubuan if not eh di sana ginawan ko ng paraan, because of that I called her to talk to me personally then he drop by at my office, nag usap kami at nagdecide ako na bayaran na lang yun check pero di ko na pinaredeposit dahil sabi ko idededuct ko yun 2k na naibigay ko na. Maayos naman sya kausap.She gave to me the new check dahil nasa kanya pa pala yun, and I gave her the full amount na kulang pa sa 10K, the following days hindi na ko masyado nakakapasok dahil sa selan ng pregnancy ko so I told to my staff na kontakin si angie at kunin yun check ko, I also text and called angie na pakibigay na lang sa staff ko na tatawag sa kanya yun check and ibinigay ko rin yun mga name ng mga staff ko na pede komontak sa kanya at pagbigyan ng check ko. Hanggang sa hindi na talaga nya naibigay at ang dami dami nya naging dahilan and alibi, Hindi ko naman pinuntahan kahit may idea ako kun san nya dinala yun check ko bec I respect her sa mga csinabi nya na sya yun kausap nun financer at inuunawa ko sya dahil at keep on believing ako sa mga reason nya and binibigyan ko sya ng chance na ayusin yun sinasabi nya na pikikipag usap dun sa financer dahil may konti raw prob pero sya daw aayos. Hanggan nga sa punto na pinagtataguan na nya ako at nareceived na nga ako ng demand letter. Now ang kaso is nasa korte na for preliminary investigation and araigment. Yoko isettle dahil gusto ko ipaglaban na bayad ko na yun at biktima ako ng agent nya at feeling ko gusto nila ako biktimahin pareho. Please kindly help me to decide may karapatan po ba ako na ipaglaban ko or I need to surrender dahil sa end talo ako sa kaso ko? Thanks and more power!
Hello po, I loaned to a friend P20,000 with a 10% after a month. she issued to me a check of P22,000 which she told me to encash after a month. the check bounced..Right now I heard she transferred residence and doesnt answer any of my calls. I text, emailed and contacts her office but she also resigned from her work. The court said that i should give a notice in writing about the fact of dishonor, but how can i contact her? Please kindly help me on what to do? Thank you and God bless..
Hi! I have loan from a bank and I issued a checked kasi require daw un before I hospitalized monthly naman ako nakakapagbayad sa kanila but after ko ma hospital and mag leave without pay for two months for recovery di ko sila nabayaran pero nung bumalik ung normal salary ko nagbayad ako sa kanila, tapos ito ngaun di nanaman ako nakabayd dahil sa financial crisis and I promiz to pay and I ask for extention pero sinusungitan pa ako, do they sue or they can file a case bouncing of check to me? please reply. Thank you.
im paing my loan using a check in a bank but recently they file a case against me dahil tumalbog daw po yung check…wla ng pondo sa bank. nasa abroad po ako nung binayaran ko last payment but they said they didnt recieved it. may proof po ako na binayaran ko…ngayon po nabayaran ko na lahat ng utang ko sa kanila but still nasa court parin case ko and they want my appearance its just that i cant come coz im in abroad. makukulong po ba ako pag umattend ako ng hearing kahit nabayaran ko na utang ko?
may financer po kmi dati sa negosyo nmin bale po nkhiram po ako s knya ng huli ng 100k less interest po na 20percent ok nman po pumyag nman po kmi ng husband ko kc po klksan un ng ngeosyo at may inaashan din kmi na sasalo sa amin na ksosyo po nmin.pero wla po inshan nmin humina ang negosyo at ngkbaon baon kmi s utang..etong ngphiram sa amin..ginigipit n kmi kya po sa takot ko nppirma nya ko s 240k n utng ko n dpat ay 60k n lng..dahil po dun s mg isuued n checke ko…d ko po nkuha yung mg nbyran ko na at bukod dun bwat bwan n d kmi mkpgbyad hingan nya po ako checke..nttkot po ako nung time n yun kc po may katungkulan sya d2 s lugar nmin..at tlgng mrming pera.year 2005 demanda nya po ako..kya lng ndismis ung kaso kc s husbnd ko po ung checke after a few months ung husband ko demnda nya.ngmediation po kmi n monthly maghuhlog kmi umpisa sa 2500/month after 3mos 3k …..hnggang s mging 5k per month..nstop po ako ng hulog last jan 2011 kc po d n nmin kya at ng ackso ng papers husband ko pra mging ofw.nka more than 45k n ko ng hulog s knya..last dec1 2011 ng file sya ng motion to revive pano po b ggwin ko kc po wla nman d2 husband ko at may order na ng court n mmay pre trial ng march 29,2012..wla nman po ako nttnggp n sulat may isang concerned citizen lng po n ngsbi skin..kya ko nlman actually ngyon arw ko lng nkuha ung copy ng order dhil ngrequest po ako sa court..sana po mtulungan nyo po kmi..wla nman po kmi intensyon n tumkbo dun s obligasyon kya lng po mtaas po msydo ung nghbla konsehal po sya ng byan d2 sa lugar nmin..sana po mtulungan nyo ako..mrming salamat..violation of bp22 po,4counts..cnampa po nung 2009 tpos po ngkron po ng compromise agreement nung july 3 2009 meron pong provisional dismissal nung july 21,2009.ngyon po nsa agreement n mula sept 31 mghulog po kmi ng 2500 hnggng dec 31,2009,tpos po jan 2010-june 2010(3500)july2010 to dec2010 (4k)MONTHLY PO YAN..last 2011 ncra n po hulog ko kc po ng ackso husband ko n mag apply abroad..last year nkiusap po ako n medyo gipit po kmi at ng salary deduction mr ko at mrmi kmi ngstos at ngsr buss ko..nglit po sya wla dw sya pkialm s problema ko..tpos ngpdla po sya ng motion to revive the case..bgay lng po ng tanod.nung sept13,2011,nklgay po n mgsubmit dw po ng motion s court kc dw po may hearing ng sept 15,eh nung ngpunta po ako s court wla nman dw po n hearing sched.kya kla ko nman po wla un..actually kpitbhay kolng po ito.pag pinkikiusapn ngglit po..lagi din po ako tintakot..d ko p kc kya ung 5k monthly nmin start po kc ng jan2011 5k n po kmi..tpos po yan ng ho last week ngpunta ko s court may pre trial ng dw po ngtanong po ako s dati nmin abogdo bka dw po mawarrant ang mr ko..ako n lng po sana attend s pre trial..pro gumwa po sya ng motion for reconsideration un lng dw mtutulong nya..na wla kmi nttanggap n order..nung march 20,2011 ako mismo lng kumuha ng copy.na ung provisionnaly dismissal nung july29,2011 ay more than a year na..na hindi din mkka aatend ang abogdo kc may nauna sya bista s march 29,2012.mawarrant po b husband ko.un po iniiwasan nmin kc last n alas n po nmin po..binuhos po nmin kbuhyan at pera nmin pra lng mkpag abroad mr ko..tpos eto n nman d p po kmi nkkbngon s pgbankrupt nmin last year..ung shod po mr ko kulng n kulng pa..pero gsto po nmin n maayos tong problema kc po d kmi tinitigilan..sana po mtulungan nyo ko..d po ako nkktulog ng aalla kc po kao..3 po ank nmin n lhat ng aaral pa..tnx po..d ko n po kc alm anu ggwin ko..mr ko po seaman last year lng po sya nkskay nung april 2011,6mos po kontrata nya..inaalla ko po bka s sunod n alis nya mhold sya s immigration,,lgi nya po kc cnsbi s mg tao d2 s amin n ippkulong nya dw po kmi..sa totoo lng po d nman gnun kalki utang nmin,kya lng po wla n nman kmi mggwa kya bbyaran nmin..
Yung brother ko who is a Physical Therapist in the U.S. went home last year and when his funds were depleted he opted to get a loan, an OFW Loan, this is from a lending company. His wife was the borrower and I agreed to be a co maker since I had total confidence in them. Payments were going smoothly up until 2 months ago when before their whole family immigrated to the U.S. they tried to pay in full and realized the interest was not as he had expected, my brother has used this as reson not to continue his payments. My problem is I am the co-maker and my signature also appears on the checks they were made to issue. I would pay if I could but the amount is too much for my budget. I’ve talked to my brother but he is adamant not to pay anymore and keeps assuring me that I won’t get into trouble because of this. What could happen to me as a co-maker?
hi sir! nasagot n po b ung tanong nyo as quoted below? we have the same case po kasi.. ano po ang nagyari n kung may naisampa po b against u as comaker? un po kasi kinakatakot ko…
thanks po!
Paulo
May 25, 2012 at 6:28 pm
Yung brother ko who is a Physical Therapist in the U.S. went home last year and when his funds were depleted he opted to get a loan, an OFW Loan, this is from a lending company. His wife was the borrower and I agreed to be a co maker since I had total confidence in them. Payments were going smoothly up until 2 months ago when before their whole family immigrated to the U.S. they tried to pay in full and realized the interest was not as he had expected, my brother has used this as reson not to continue his payments. My problem is I am the co-maker and my signature also appears on the checks they were made to issue. I would pay if I could but the amount is too much for my budget. I’ve talked to my brother but he is adamant not to pay anymore and keeps assuring me that I won’t get into trouble because of this. What could happen to me as a co-maker?
Reply ?
I had a friend, nagmakaawa sa akin na tulungan ko sya kasi tuition ng 2 anak nya, hiniram nya checke ko para makahiram sya ng pera sa taong nagpapautang, pinahiram ko sya but it was PDC, pagdating ng due date,hndi nya pinundohan, tinawagan ko ung bank, kung nasa kanila na ang checke, kaso lng dormant na pala account ko pero ipapasok pa rin nila kaya nagkaroon ng charge na 2,200 binayaran ko na lng para hndi maclose acct ko. binalik ung checke ko doon sa nagpapautang kinontack ko ung humiram ng checke sabi nya babayaran nya na lng daw ung nagpapautang, kaso lng after a week hndi pa rin nagbayad ung friend ko kaya she presented again the check for the second time kaya ginawa ko pinaclose ko na lng talaga account ko, anong gagawin ko po, wala namn po akong pantapal. masakit sa part ko na magbayad hndi ko nman napakinabangan thanks po
Magandang hapon po.
Taong 2012 nagkasundo kami ng pinsan ng aking asawa na babayaran ako sa halagang 1Million para sa mga alahas, celphone at kung ano-ano pang mga bagay na pina ride nila sa credit card ko. Huhulugan nila ito ng 100k sa taong 2013 at madadagdagan pa ang 100k sa taong 2014 hanggang sa ito ay matapos. Ang usapang ito ay verbal lamang. Ngunit lumipas ang taong 2013 hanggang sa kasalukuyan ang nahuhulog pa lang nila sakin ay 102,500. Nitong huli ay nag issue sila sakin ng tatlong tseke sa halagang 2,500 bawat isa. Ngunit tumalbog po ito. Noong Sept. 09 nagkaroon ako ng pagkakataon na papirmahan sa kanya ang breakdown ng kanyang utang. Proof na inaa-acknowledge nya ang balanse pa sa kanyang utang.
Sa dokumentong hawak ko at sa tsekeng tumalbog, maari napo ba akong magsampa ng kasong estafa sa kanya?
Inaasahan ko po ang inyong maagap na kasagutan.
Marami pong salamat.
Gug day po may nag issue po sa akin ng tseke 70k hindi sapat ang laman yan ang sinasabi sa bangko ngayon nagdemanda po ako tapos na po kami sa brgy. Peru d xa sumipot nagpadala na rin ako ng demand peru d pinansin ano po ba ang dapat gawin para matuluyan na po kasi madami kami nagkaso kaso ung iba siguro walang sapat na pera kasi magastos po nahihirapan na ako kasi nagpunta na rin ako sa 3 station ng pulis peru wala pong nangyari pls advise u po ako thank you.
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I have a loan po back in 2007 amounting to 60k po and nahulugan ko naman po cya ng maayos before.. At katulad po ng dahilan ng karamihan e nawalan po ng trabaho financial problem kaya d na po napondohan ang bank at nag close na po. Di ko na po nahulugan at di na din po ako nakaka receive ng latter from them.Lumipas po ang ilang taon, ngayong 2013 naka recveive po ako ng letter na almost 300k na daw po ang utang ko At nagdemand po cla na bayaran ko bigla …. Since madami po akong anak at lahat e nag aaral na, di ko kayang maghulog ng sobrang lake 5k po per month ang binabayaran ko. Ask ko lang po kung pde po ba akong magreklamo sa sobrang lake nung interest. May batas din po na tayo tungkol sa pagpatong ng interes , panghaharas at panggigipit. Salamat po. Malaking tulong po sa akin ang inyong kasagutan.
Gusto ko lang po sana magconsult and I humbly hope that you can enlighten me on this. Nag-loan po ako from a lending company and as a company rule kailangan ko mag-issue ng cheque hence ni-refer nila ko s isang bank para makapag open ng checking acct na ini-issue ko sa lending company. Payment goes smoothly pero one time nakatanggap po ako ng tawag sa lending company na nagreturn daw ung cheque ko due to insuff funds. I right away set an appointment with the bank and due to admitted error ng bank (di agad na-submit ng teller ung deposits ko on time hence cheque bounced) they settled and refunded me of fees and other charges. Ung lending company ask me to closed my checking account at mag-over the counter deposits na lang daw po ako. The bank closed the account upon having conversation dun sa representative ng lending company. Sadly, nagkaroon po ako ng financial difficulties in the middle of paying the lending company thus nag-stop payment ko. Ive received demands from them and they told me that they will sue me in court for this incident. What will I do? will i be sued due to this and be penalized for issuing cheques na na-closed ko at their own decision? I hop[e I can hear a response from you. God Bless.
Hi,
I just need your advice on what to do; i have bank loans at nag issue ako ng post dated check as payment since this is a requirement of the bank. Same problem with others, i have financial crisis now and im not sure if until when ko kayang magawan ng paraan na mapondohan ung check account ko. What if i failed na mapondohan ko ung check account ko at magbounce ung issued check ko upon presentment ng bank. Ano po ba ung mga possibles actions ng bank kung saan may loan ako? at ano ung pwede kong gawing remedy?possible po ba na makulong ako, possible ba na mag issue sila ng warrant of arrest? i need your help..please advice.
Thanks
hi gud pm nag co-maker po ako sa frend ko nagloan sya sa isang financing company naawa po kasi ako sa kanya kasi paalisin sya patungo saudi eh wala sya pambili gamit at pocket money nagloan sya pumayag ako maging co-maker di sya puede maaprove kapag wala ako checking account na iissue sa financing ako ang pina issue ng check ng financing and then until now di parin nagbabayad ung principal ang pinasok nila check sa akin po nakapangalan ngayon po tumalbog at nagclose account ung bank na nagaapproved ng checking account indorsement po ng financing company kaya nag open ako and then nag issue ako sa kanila sila humawak ng boung checkbook ko ano po gagawin tinatakot nila ako……thanks i want and advice kung ano po gagawin ko30k po ung inutang umabot ng 45k kasama tubo within 6months…
Good Pm,
Hi give advice pls the same story co maker sa frend check ko ang ginamit sa lending company OFW ung frend di po sya nagbabayad nag bounced ung check ko kasi pinasok po nila sa bank hangang ito na close may pinirmahan po na co-maker po ako ngayon ako ang denedemanda nila ano po gagawin ko pls ang amount po ng hiniram ng frend ko ay P30k with tubo naging 45k sya good 6month sa lending pls advice me ano po gagawin ko…
thanks
hello po gud pm po pwedi ko pa ba kunin cel numb ni mrs. peaceofmind pareho po tayo ng problem. tnx po
Marami po ako naka issue na cheke,sa limang tao,loan at suppliers,ano po mangyayari dahil bigla hina ng business,hirap na po ako sa pagbayad
Hello po. You mentioned that even if bp 22 has been filed the court cannot issue a hold departure order. Unfortunately, I have a bad experience with that hold departure order. I was going to Singapore to attend a conference but I was held at immigration because apparently a hold departure order was issued to someone who has the same name as mine. Furthermore, the hold departure order has the name only (my name is a very common name) indicated and the case which is violation of bp22. There is no data on the birthday, or no picture was even sent by the court. So I was asked to get a Certificate of Not the same person from the Bureau of Immigration. Since my NBI clearance has a hit also, they told me that if I wanted to speed up the Certification (because I have to leave again for another trip outside the country) I have to get a Certification of not the same person from the municipality where the case was filed. Imagine me taking several days of leave just to be able to prove my innocence. I have to suffer because of that hold departure order. I would appreciate if you could comment on this. Thank you.
I would like ask kung paano ang format ng small claims demand letter and kung ano gagawin.. kasi may pinahiram ako na staff ng bank for 20k with 6%per month for 5 months..she issued me 10 checks of 2600…but only 1 check nag good and the rest nag account closed..she is still working with bank but dont know her home address kasi palipat lipat siya..want to send her the demand letter to her office…HR and bank union..baka madami pa sya maloko..can you send me the format and steps how to claim?.thank you
An intention to pay cheque on a closed account than insufficient fund account
Is it the same bp22 case penalty paying in bad faith plz reply. on how the case be files tnx
Hi Atty. Fred,
You mentioned that “it is indispensable that the issuer must be notified in WRITING about the fact of dishonor, and he has five (5) days from receipt of the written notice within which to pay the value of the check or make arrangements for the payment thereof.” Does this written notice need to originate from a lawyer or the complainant can send it to the issuer of the check in his/her own capacity?
Thanks.
is the issued check has a validity period para magamit sa bp22? Example po na issue ang cheke tapos ipinasok lang after 3 months then nag bounce na….then hindi na sya na redeposit at nag compromise na lang na babayaran muna ang interest pero verbal lahat…tapos lumipas ang isang taon hindi na makabayad ng interest…so ipinababalik na lang ay ang principal pero hindi na rin maibalik….now magdedemanda sya at gagamitin nya yung nag bounce na cheke which is a year ago na….pede pa ba yun gamitin as evidence pa rin…wala naman mga kasulatan…
Good pm Gladys..
Sa Demand Letter kung mag file k ng Small Claims sa MTC dapat ang demand letter mo is not more than 100K as rules and procedure sa SMC. Then ung demand letter mo is dapat naka address sya kung saan nakatira or nagwork. When it comes to format ng DEMLET dapat naka saad kung anu ang kontrata ng pagpapahiram mo sa kanya…Kung SMC ang ikakaso mo dapat makapaghabla ka sa kanya ng kaso bago lumampas ng sampung taon kc ung ang procedure when it comes to written contract…at kung BP 22 ikakaso mo dapat within 90 days naka file kana ng complain.
hi Goodmorningm
ask ko lang po kung reply below question as we have the same case, thankyou nad godblessed,
****************************quote*****************************************
hi warrior.
Gug pm.. tanong ko lang po may loan po kasi ako last year, and i issue post dated check, kasi un daw un required,. nakakabayad naman ako on time before, kaso due to finacial crisis, at nawalan na din po ako ng trabaho, bread winner pa ko sa pamilya ko.. d na ko nakahulog, parang nagclose aacount na ako sa bangko kasi hindi ko na sya napopondohan ng pera.. sa ngayon po kasi wala pa po akong trabaho, naghahanap palang..
Ano po bang pwede kong gawin?
Ano po ba makukulong po ba ako?
Please advise me…
Thank you po..
*********************************unquote*******************************************
Hi Chad! What happened sa loan mo? Ngfile ng kaso ang bank sayo?
Hi po we filed a group case for BP 22 checks issued for three of us that was bounce with markings of DAIF, STOP PAYMENT & account closed. It was dismissed allegedly telling the prosecutor of full payment. Submitted an accounting report not even duly sign by anyone nor an accountant. Checks was issued in bicol & was deposited on 3 places where our bank account located. Is it true that the jurisdiction to file case is where the transaction was made? Transaction meaning where it is deposited & bounces. This checks issued has accompanied list of postdated checks sign by the issuer. If the jurisdiction is where it is deposited & bounces, can we file a new case on where our bank account located? How come it was dismissed?
Thank you po.
What happens when i am about to pay an old case i just found out that it does exist any more? And the person who charged me is not authorized to collect the money. Is entitled to this money because she charged me for the company?what is the next step a lawyer would do?
Magandang hapon po..
Nong may 2014 my kaibigan po ako na ofw,nag loan sya sa lending company,ginawa po akong co maker at pnag
Open nla ako ng cheking account kahit wla akong account sa banko,at kahit alam nla na ang hanapbuhay ko ay gumagawa ng basahan.sa madaling slita nakautang ung kaibigan ko ng 40,k hagang nakaalis sya papuntang saudi,updated naman nakapaghulog sa banko ang kaibigan ko da pangalan ko papunta sa lending company hangang tntx nlang ako nong feb.20,2015 na my criminal case daw po ako at kailalan ko daw komontak sa legal lending company……..tinawagan ko kong bakit cla mananakot,kc daw ang kaibigan ko d na raw naghuhulog ng utang nya nong oct.2014
Ang sagot ko,bkit pnatagal nyo ng feb 2015 ako takotin,dapat nong d na sya nakapagpadala tnawaga nla ako para magawan ko ng paraan na ma contact ko…
Nalaman ko na pinauwi sya ng amo nya kc nagkasakit at d ko sya na conact …july 21,2015 nag txt ang lending na my criminal case at warant of arrest ako august 2015 at sept 2015 un parin panakot nla,ang sakin lang bakit ganun alam naman nla na hindi ako mismo ang utang bakt ako gusto nla ipakulong?hndi pa nacyahan tinawagan ung tiyahin ko at tntxt na ang utang ko daw ay 101,500k at huhulihin nlang ako ng pulis..
Nong dec.2 2015 my notice domating sa address na nabigay ko sa kanila my un daw naghatid mula bakod hangang loob ng bahay pumasok na wlang phintulot ng tao na nasa loob ng bahay….nong mach 26,2016 my dating na bp22 case at ang arraignment sa april 19,2016 ang lending tumawag nong april 8,2016 sbi ko don nlang kami mag usap kc d narin nla pinakingan ang kaibigan ko na nalaman nla na nagkasakit at operasyon ang nanyari,ang sagot lang nla na ang kailangan ang perang mabayad at wla daw cla pakialam at upakulong daw kaming dalawa ng kaibigan ko….
Inaasahan ko po ang inyong kasagutan
Maraming salamat po!!!
God bless!
Ano na Patie ano update same case tayo update naman pls
Gud day. Question lng po..a friend po had a loan amount8ng to 60t d po sya nakabayad kasi nawalan trabaho abroad s isang lending s manila. Isang payment lang daw sya tpos wla nito november 2015 pinagbayad cla ng 48t ng lending and may 8t n payment bukid dito nahingi p cla full payment of 60t pta iurong daw ung kaso n d maibigay dahil wla nman sya trabaho pa tpos may kaso n pla ito a mtc hindi nila alam..nkaat3nd cla una hearing pero wla ang judge nung ikalawa d n sya nakapunta dahil bigla sya nkalakad s abroad. Gumawa sya ng spa s authorized rep. Nya at may abogado sya pra mkipag settle pero hindi daw ihonor ng judge ang gusto personal appearance kaya nag issue ng warrant of arrest. Papano po ang mangyayari nito s kaso nya. Smantalang meron nman po sya spa at represented nman po ng abogado
hi po, ask ko lang kung ung bp22 ba ay puedeng maging ordinaryong utang n lang khit n hawak k ung mga cheke na inisue nila sa kin at tumalbog lahat….kc nag seek ako ng advice ng atty. ang sabi nya s kin klangan daw ung demand letter e personal ko n maiabot s kanya…..eh pano ko maiabot s nangloko s kin nagtatago n sya….kc daw kung ndi k daw maiabot ng personal s kanya ung demanda ko n bp22 ay mababalewala s huli mapupunta n lang daw s ordinaryong utang…..khit daw imail k ung demand letter ko n registered mail baliwala p din kelangan daw sya mismo makatanggap ng letter, khit daw matanggap ng wife nya or brother nya ung demand letter ndi daw ihonor ng court un….tama po ba ung sinasabi skin ng atty. n hiningan k ng advice…..masasayang lang daw ung mga gagastusin ko kc s bandang huli ndi maipapanalo n bp22 ung case, dhil lamang s demand letter n ndi sya tumanggap ng personal….magiging ordinaryong utang n lang daw po ung mga cheke n hawak ko….nag issue po kc sya s kin ng cheke kasama n ung tubo nag invest po kc ako s kanya s negosyo nya…..nong una ok nman po kalagitnaan clinosed account nya po ung mga tseke n binigay nya s kin…..nagtalbugan n po lhat 96k po lhat ung innisue nya skin….sana po matulungan nyo po k s problema ko…..thanks and GOD bless po
Hello po… naka pagloan po ako sa isang lending as one of the requirements need po mag open ng joint checking account with the comaker, due to financial problem after 4 payments po hindi nako na ka paghulog sa account until ngclosed un account due to insufficient fund. Nasabi po sakin ng comaker ko na may arrangement hearing daw po kami. Nasa attend sya ng arrangement hearing pero po ako hindi. Ma iissuhan po ba ako ng warrant.
Good Day Sir/ma’am,
May problema po ako sa saksakyan ko na pina assume. kasi lumipas ilang buwan hinde na nag bayad ang nag assume, bali nag bounce na ang check na binigay nya, ngayon dahil sa pangalan ko sa banko kasi car loan yun.. ako na nag bayad.. ano po dapat gawin- ang hawak namin ay SPA.. gusto sana kung hinde pa siya mag bayad ipa isauli or surender nalang sa banko, kaso ayaw niya, sabi nya gusto daw namin file a case nalang.
hope maliwanagan nyo po ako anong dapat gawin..
-kung hinde na ako makayad sa bank at kunin na ang sasakyan sa banko, makuha ko ba sa nag assume. kasi hinde rin siya nakabayad sa akin.
Hi po,
Hinge lang po sana aq ng advice or idea about po sa sitwasyon nmin… Sana po matulungan nyo kami…
Pinagforce resign po kami sa manpower agency na pinapasukan namin before… Hinold po nila last sahod namin,back pay at incentives… Sav nila after 3mos daw nila bago irelease un.
Nakalipas ang 3mos hangang nag 7mos saka lang nila nabigay sa amin ang cheque aug. 2016 un… Pero posted check po ang binigay nila sa amin maiencash xa ng mar.2017..
Dumating ang mar. Di pa din nmin naencash ung cheque kasi talbog daw tinatakan ng bangko closed account na daw po… 6kaming tumalbog ang cheque sa pagkakaalam ko di ko lang sure qng meron pang iba..
Anu po kaya ang dapat qng gawen?
At qng sakaling ilalaban po namin anv kasong ito nasa magkano po kaya ang magagastos namin
Good Day,
Need Legal Advice;
I with 4 others put up a small Business under a “Corporation”. Unfortunately our Business went bankrupt. However we incurred “Business Loans”, but I used my personal checks to pay for the loans as we did not have a check account under the name of our Business. Now our business closed before we finished paying the loans approximate not more than 4k left to pay. However I just found out that I have a hit with the NBI because of a BP22 case, and upon going to the MTC, I found out that I have a warrant of arrest and that I need to pay a cash bail of P2,500 to lift the warrant.
My question is how liable am I to pay the loan since this is a Corporate Business Loan though I used a personal check for the payment?
Thanks and have a great day.
Great post! Have nice day ! 🙂 rlojg
need advise: i have unpaid bank loan with issued PDC year 2005. so problems happened: na demolished house namin, i lost job and mom died. year 2006 we tranferred residency and just got to manila again 2010. all my loan records wer lost and coz of so many trials i even forgotten the responsibility. for more than 10 years i never received notices from the said bank but today upon applying for NBI clearance i got a HIT. posible kayang yung loan ko ang reason? if yes, what will i do? nakakuha naman ako nuon ng clearance year 2010 in which 5 years after being loan delinquent. pwd bang makapag file pa ng case ang bank 5 yrs aftr? badly needed advise
Hello sir,
Pwede po magtanong kung anong maaring gawin kasi po si mama may warrant of arrest na galing sa korte pero hindi pa po ibinababa sa lugar namin na inissue ng lending company na inutangan nya. Hindi po kasi masagot ni mama ang mga demand letter dati due to financial problem. Utang po ni mama e 100K na at ang nais nilang ibayad ni mama eh 50K kalahati po nun. Eh wala po talagang maibayad, pero naggagawa naman po ng paraan. Ayoko po kasi makulong mama ko gusto ko din po malaman karapatan nya. Thank you sir!
Hi poh may utang po ako na 80k last 2009 ngfile sila ng case sa akin..now may pending warrant of arrest ako..gusto kong umuwi galing ng ibang bansa.take note yung utang ko unti unting nababayaran na..upon arriving poh ba sa airport huhulihin nila ako..may hdo poh ba ako..pls email me
good eve po. i just want to check po if dapat po ba na nagnonotify si bank sa client niya if may problem ang acount nila. nangyari po kasi samin ito ngayon last 2016 nagopen po kami ng account for post dated check. nagkarron po kami ng bouncing check last september 2016 pero wala po advice si bangko na may kailangan kami isettle sa kanila. So expecting po na wala kami problem sa kanila. Nagpatuloy po ang monthly deposit namin sa kanila until 2018. nagulat nalang po kami na close account na without prior notice or text message man lamang.
so nagpunta po ako sa bangko to check kung ano po nangyari sa account namin. So, ayun po ang explanation po ng bangko ay nagkaroon sila ng charges sa account namin which is 300 pesos per month na nagstart pa po last march 2017 at kagaya po ng una wala po ulit consent samin na until ngayon pong araw na ito nalaman ko po na ubos na po yung maintaining balance at ikinlose na yung account. Ganyan po ba talaga ang process ni bank na basta basta nalang sila magbabawas ng pera ng client nila without consent? at icoclose yung functional na account without consent which is monthly naman po ako nasa bank and pwede naman nila iinform kami na may problema na pala ang account. ngayon po kahit piso wala na po natira sa pera na sana ay iniipon namin dahil lagi po sobra ang idinedeposit ko kada month.
Good day, Nah issue PO ako nang check SA Loan ko SA bank,nakahulog nman po ako, but nawalan ako trabaho kalaunan so nagbounce na mga check ko that’s was 7 years ago. SA ngayun the collecting agencies haunting me. SA 7 years Wala na along klarong trabaho. Tanong ko PO makukulung pi ba ako?
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Hello po. Nagtayo po kmi ng business. Yun pong isang supplier namin ay nagbigay sa amin ng terms. Kaso po dahil nagsisimula pa lang at nagkamali ng diskarte ay nakapagpautang din po kami kaya dpo namin nabayaran yung supplier namin. In return po nnghingi na lng xa ng cheke sa amin.kaso po d namin talaga makaya pang hulugan dahil unti unti po humihina buss. Lagi po nakikipag usap kami, and nakikiusap din po kmi na bka pwdng hulog hulugan na lang.kaso po ayaw po nya pumayag at gusto po ay ibigay nang gulpi yung utang namin. Paano po pwd namin gawin? D naman po kami ttakbo at willing naman kami magbayad kaya lang po ay hulugan? Please po, help po. Maraming salamat po.
if may loan ka sa mga lending? then di mo na kaya magbayad pwede ka ba nila kasuhan? or pwede bang ask mo sila na pakiusapan na wag ka munang singilin until meron ka ng pambayad?
Hi gs2 ko lang po magtanong, kumuha po ako ng nbi pinababalik po ako since may kilala po ako dun na check po na may lumalabas na case bp 22 2014, may court of arrest na po. Pero di po ako aware na may demanda ako at wala rin po akong natatanggap na letter ng hearing. May change po ba na ma dismmised ung kaso. At pano po kung hndi naman ako aware sa kaso. Ano po ang dapat kong gawin. Salamat
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