Unauthorized Loan Name Use

Summary

If someone used your name for a loan without your consent, report it to the lender and possibly the police. Do not offer items you dont own as collateral. Communicate with the lender about your financial hardship and request an alternative payment plan. Seek legal advice from the Integrated Bar of the Philippines for guidance on handling the situation and protecting your rights.

Full Conversation

hello **** , i make my name use **** kase in lending company named san basilio cooperative , and the one used it didnt pay the weekly payment till it has due date and lapse and has arrears * thousand ,i wrote a letter **** containing that if i cant pay till tommmor they can get my laptop as a collateral and sell it to covered the arrears but it wasnt mine ****. it was my mothers gift for me and also i have no money **** im just into my mothers salary but my mother has no stable work **** and her salry is not good .
Hi Dhannieca! It sounds like a tough situation. Here are a few ****ints to consider:
- Unauthorized Use: If someone used your name without permission, you may need to re****rt this to the lending company and ****ssibly to the ****lice.
- Collateral Agreement: Since the laptop isn't yours, you shouldn't offer it as collateral. Inform the lending company about this mistake.
- Seek Assistance: You might want to discuss your situation with a local legal aid organization for more personalized advice.
Are you interested in more details on how to contact local legal aid?
yes ****

Integrated Bar of the Philippines - Legal Aid Office


Phone: (*) *-*
Address: * Julia Vargas Avenue, Ortigas Center, Pasig City, Philippines
Website: www.ibp.ph

Would you like more details on what steps to take next with the lending company or about re****rting the unauthorized use of your name?
but the person use my name **** is no longer at our place and also no contact to them
It's im****rtant to re****rt the unauthorized use of your name to the lending company and ****ssibly to the ****lice. You should clarify the situation regarding the laptop, as it is not your property to offer as collateral.
Would you like more information on how to formally re****rt this issue to the ****lice?
thats the ****int **** , but i know it was my fault and obligation now
Given the complexities of your situation, here are a few steps you can consider:
- Communicate with Lender: Explain the situation and clarify that the laptop is not yours.
- Seek Legal Advice: Contact the Integrated Bar of the Philippines for personalized guidance.
- Protect Future Finances: Avoid future liabilities by ensuring no one uses your name without proper agreements.
Would you like more detailed steps on communicating with the lender or seeking legal advice?
but what should i do **** the due date is july i think **** and now they forcing me to pay the 7k but i have no work **** in just 21 years old still studying at college
You might consider the following steps:
- Communicate with the Lending Company: Explain your situation and inability to pay due to financial hardship and being a student.
- Seek Assistance: Contact the Integrated Bar of the Philippines for legal advice.
- Re****rt Unauthorized Use: Consider re****rting the unauthorized use of your name to the ****lice.
Would you like more detailed steps on communicating with the lender or how to approach the ****lice?
my mothers salary hold by its agency and no money send to us
Given your situation, here are some steps you might consider:
- Communicate with the Agency: Reach out to your mother's agency to understand why her salary is being withheld.
- Seek Legal Advice: Contact the Integrated Bar of the Philippines for guidance on both your and your mother’s financial issues.
- Explore Student Aid Options: Look for financial aid or scholarships that might help with your college expenses.
Would you like more information on communicating with your mother's agency or additional legal advice?
what should i do **** the accounting pffocer also said they will come to my school ???? also tomorrow if i cant pay the 7k they will get the laptop
Hi Dhannieca, it sounds like a stressful situation. Here are some steps you can consider:
- Communicate Urgently: Contact the lending company immediately, explain the situation, and request an extension or alternative payment plan.
- Protect the Laptop: Clearly inform them that the laptop is not yours and cannot be used as collateral.
- Seek Help: Contact the Integrated Bar of the Philippines for urgent legal advice on how to best handle the situation.
Would you like more detailed advice on what to say to the lending company?
i cant pay **** im not sure what date but paying that 7k **** i cant **** me and my brother is a college student and my mother is the only one providing for us , i cant pay **** the 7k in one hand
Given your situation, here are some steps you might consider:
- Communicate: Inform the lending company of your financial hardship and request an alternative payment plan or extension.
- Protect Assets: Clarify that the laptop is not yours and cannot be used as collateral.
- Seek Legal Assistance: Urgently contact the Integrated Bar of the Philippines for personalized legal advice.
Would you like more detailed guidance on communicating with the lending company?
i request for extention **** but the accounting officer said i need to pay until tomorrow ****
It sounds like you're in a tough s****t. Here's what you can do:
- Communicate Again: Politely but firmly explain your financial situation and request an extension.
- Seek Urgent Legal Aid: Contact the Integrated Bar of the Philippines immediately for urgent legal help.
- Clarify Asset Ownership: Reiterate that the laptop is not yours and cannot be used as collateral.
Would you like more detailed advice on what to say to the lending company?
they told me they will come to my school **** what should i do
Dhannieca, you should urgently seek legal advice and take immediate action:
- Communicate Again: Inform the lending company that the laptop is not yours and cannot be taken.
- Seek Help: Contact the Integrated Bar of the Philippines for urgent legal assistance.
Would you like more detailed advice on what to say to the lending company?