Me and My Family
May 9th 2018 | 10:21 pm
#1351
`
Joined: Oct 2003
Posts: 38,634
Re: Me and My Family
Any signatory to a loan agreement stands to be the guarantor.
May 9th 2018 | 10:58 pm
#1352
BE Forum Addict
Joined: Feb 2014
Posts: 1,646
From: Capiz
Re: Me and My Family
Think I would rather like to see it when it is handed over to the bank
May 9th 2018 | 11:07 pm
#1354
BE Enthusiast
Joined: Jan 2012
Posts: 466
Re: Me and My Family
For gods sake let her go to Kuwait (if Duterte allows it).Alternativly, marry her and in three months time let us know if its a bed of roses,bankruptcy, continuous endless pinay pout, and sleeping on the couch!
Regarding the loan application, does your L/L seriously think that the credit provider is that naive to advance a loan on gross exaggeration of income and personal status? Unfortunately many foreigners, let alone philipinos think that applying for a bank loan or other credit in the Philippines, is easy, after all its a third world country. I can assure you that the paperwork involved and credit checking is just as onerous as any major first world country.
Obviously, for 20k she might slip the net, at what monumental interest rate they will charge needs to be factored in, however for large amounts, security or a guarantor will almost certainly be required. Her best bet would be more pouting, crocodile tears, then ask the atm, otherwise know as the OP of this saga.
Regarding the loan application, does your L/L seriously think that the credit provider is that naive to advance a loan on gross exaggeration of income and personal status? Unfortunately many foreigners, let alone philipinos think that applying for a bank loan or other credit in the Philippines, is easy, after all its a third world country. I can assure you that the paperwork involved and credit checking is just as onerous as any major first world country.
Obviously, for 20k she might slip the net, at what monumental interest rate they will charge needs to be factored in, however for large amounts, security or a guarantor will almost certainly be required. Her best bet would be more pouting, crocodile tears, then ask the atm, otherwise know as the OP of this saga.
May 9th 2018 | 11:07 pm
#1355
Joined: Feb 2010
Posts: 2,863
From: Buraydah , Saudi Arabia
Re: Me and My Family
Greetings!
Thanks MikeNZ for your thoughts and kind offer. If the worst came to the worst, I would stay here where I have so many friends and my roots are now firmly set. If however the situation became untenable to stay here, I have a couple of other places similar to here not far down the road.
I mentioned that this month could be interesting because several pawned items are up for redemption. This will be case now for several months. The other day she said she was going to apply for a loan from a micro-financing company for 20k which she needed for her "business". The next day, she directly asked me for a 23k loan. I said no. I explained that I had no budget after forking out for our holiday, her stolen money, dental treatment and birthday present. Cue Pinay Pout. This lasted all day. The next day she asked me to sign her loan application as "husband" authorizing her to take out the loan. No where could I see that I would be liable if she defaulted. I did however note a section for "co-maker" of the loan who would be liable if the applicant defaulted. I left that blank....as you do. I also noted that there was no mention of the sum involved. To be completed by the finance company. As I am into noting, I noted that she stated her daily income was 15k from 3 businesses. In her dreams. I suspect the loan company would think it would be a bit odd for a woman of her means requiring a loan of 20k as she had told me. Unless of course it was about a million to buy her parents a house.
That evening and out of the blue, she asked me if it was ok for her to go back to Kuwait for 2 yrs and earn enough money to put into her business. An on-line business? I said she must do what she wants and if she thinks money is more important than our relationship then she must go. She knows what the outcome of that will be.
Her 2 sons have been around our house every day with other bratlings. One is 10 and lives with the father and I suspect is on an extended visit here. He is a bit overweight ....fed on rice so she says and the 9 yo is lean and loves his vegetables. We took all the kids on a boat trip to a nearby resort for the day and they really enjoyed the experience and were exited about it. The bonding process is beginning to work but I am taking a small step at a time. There is no rush. Maybe there will be no outcome. Guess I have to come to terms with the situation first.
Regards
PS....just noted she had today pawned more than 50k of jewelry....
Thanks MikeNZ for your thoughts and kind offer. If the worst came to the worst, I would stay here where I have so many friends and my roots are now firmly set. If however the situation became untenable to stay here, I have a couple of other places similar to here not far down the road.
I mentioned that this month could be interesting because several pawned items are up for redemption. This will be case now for several months. The other day she said she was going to apply for a loan from a micro-financing company for 20k which she needed for her "business". The next day, she directly asked me for a 23k loan. I said no. I explained that I had no budget after forking out for our holiday, her stolen money, dental treatment and birthday present. Cue Pinay Pout. This lasted all day. The next day she asked me to sign her loan application as "husband" authorizing her to take out the loan. No where could I see that I would be liable if she defaulted. I did however note a section for "co-maker" of the loan who would be liable if the applicant defaulted. I left that blank....as you do. I also noted that there was no mention of the sum involved. To be completed by the finance company. As I am into noting, I noted that she stated her daily income was 15k from 3 businesses. In her dreams. I suspect the loan company would think it would be a bit odd for a woman of her means requiring a loan of 20k as she had told me. Unless of course it was about a million to buy her parents a house.
That evening and out of the blue, she asked me if it was ok for her to go back to Kuwait for 2 yrs and earn enough money to put into her business. An on-line business? I said she must do what she wants and if she thinks money is more important than our relationship then she must go. She knows what the outcome of that will be.
Her 2 sons have been around our house every day with other bratlings. One is 10 and lives with the father and I suspect is on an extended visit here. He is a bit overweight ....fed on rice so she says and the 9 yo is lean and loves his vegetables. We took all the kids on a boat trip to a nearby resort for the day and they really enjoyed the experience and were exited about it. The bonding process is beginning to work but I am taking a small step at a time. There is no rush. Maybe there will be no outcome. Guess I have to come to terms with the situation first.
Regards
PS....just noted she had today pawned more than 50k of jewelry....
https://www.telegraph.co.uk/news/201...it-maid-found/
May 9th 2018 | 11:13 pm
#1356
BE Enthusiast
Joined: Jan 2012
Posts: 466
Re: Me and My Family
Just another thought, how on earth does the L/L keep coming up with large value (for the Philippines) jewellery when she has already pawned a significant amount? Perhaps she is earning 15K a day.........I must try that business it’s very well paid.
May 9th 2018 | 11:28 pm
#1357
Lost in BE Cyberspace
Joined: Jul 2009
Posts: 15,887
From: Disneyland, Dubai
Re: Me and My Family
For gods sake let her go to Kuwait (if Duterte allows it).Alternativly, marry her and in three months time let us know if its a bed of roses,bankruptcy, continuous endless pinay pout, and sleeping on the couch!
Regarding the loan application, does your L/L seriously think that the credit provider is that naive to advance a loan on gross exaggeration of income and personal status? Unfortunately many foreigners, let alone philipinos think that applying for a bank loan or other credit in the Philippines, is easy, after all its a third world country. I can assure you that the paperwork involved and credit checking is just as onerous as any major first world country.
Obviously, for 20k she might slip the net, at what monumental interest rate they will charge needs to be factored in, however for large amounts, security or a guarantor will almost certainly be required. Her best bet would be more pouting, crocodile tears, then ask the atm, otherwise know as the OP of this saga.
Regarding the loan application, does your L/L seriously think that the credit provider is that naive to advance a loan on gross exaggeration of income and personal status? Unfortunately many foreigners, let alone philipinos think that applying for a bank loan or other credit in the Philippines, is easy, after all its a third world country. I can assure you that the paperwork involved and credit checking is just as onerous as any major first world country.
Obviously, for 20k she might slip the net, at what monumental interest rate they will charge needs to be factored in, however for large amounts, security or a guarantor will almost certainly be required. Her best bet would be more pouting, crocodile tears, then ask the atm, otherwise know as the OP of this saga.
May 9th 2018 | 11:42 pm
#1359
Forum Regular
Joined: May 2016
Posts: 260
From: Davao
Re: Me and My Family
Greetings!
Thanks MikeNZ for your thoughts and kind offer. If the worst came to the worst, I would stay here where I have so many friends and my roots are now firmly set. If however the situation became untenable to stay here, I have a couple of other places similar to here not far down the road.
I mentioned that this month could be interesting because several pawned items are up for redemption. This will be case now for several months. The other day she said she was going to apply for a loan from a micro-financing company for 20k which she needed for her "business". The next day, she directly asked me for a 23k loan. I said no. I explained that I had no budget after forking out for our holiday, her stolen money, dental treatment and birthday present. Cue Pinay Pout. This lasted all day. The next day she asked me to sign her loan application as "husband" authorizing her to take out the loan. No where could I see that I would be liable if she defaulted. I did however note a section for "co-maker" of the loan who would be liable if the applicant defaulted. I left that blank....as you do. I also noted that there was no mention of the sum involved. To be completed by the finance company. As I am into noting, I noted that she stated her daily income was 15k from 3 businesses. In her dreams. I suspect the loan company would think it would be a bit odd for a woman of her means requiring a loan of 20k as she had told me. Unless of course it was about a million to buy her parents a house.
That evening and out of the blue, she asked me if it was ok for her to go back to Kuwait for 2 yrs and earn enough money to put into her business. An on-line business? I said she must do what she wants and if she thinks money is more important than our relationship then she must go. She knows what the outcome of that will be.
Her 2 sons have been around our house every day with other bratlings. One is 10 and lives with the father and I suspect is on an extended visit here. He is a bit overweight ....fed on rice so she says and the 9 yo is lean and loves his vegetables. We took all the kids on a boat trip to a nearby resort for the day and they really enjoyed the experience and were exited about it. The bonding process is beginning to work but I am taking a small step at a time. There is no rush. Maybe there will be no outcome. Guess I have to come to terms with the situation first.
Regards
PS....just noted she had today pawned more than 50k of jewelry....
Thanks MikeNZ for your thoughts and kind offer. If the worst came to the worst, I would stay here where I have so many friends and my roots are now firmly set. If however the situation became untenable to stay here, I have a couple of other places similar to here not far down the road.
I mentioned that this month could be interesting because several pawned items are up for redemption. This will be case now for several months. The other day she said she was going to apply for a loan from a micro-financing company for 20k which she needed for her "business". The next day, she directly asked me for a 23k loan. I said no. I explained that I had no budget after forking out for our holiday, her stolen money, dental treatment and birthday present. Cue Pinay Pout. This lasted all day. The next day she asked me to sign her loan application as "husband" authorizing her to take out the loan. No where could I see that I would be liable if she defaulted. I did however note a section for "co-maker" of the loan who would be liable if the applicant defaulted. I left that blank....as you do. I also noted that there was no mention of the sum involved. To be completed by the finance company. As I am into noting, I noted that she stated her daily income was 15k from 3 businesses. In her dreams. I suspect the loan company would think it would be a bit odd for a woman of her means requiring a loan of 20k as she had told me. Unless of course it was about a million to buy her parents a house.
That evening and out of the blue, she asked me if it was ok for her to go back to Kuwait for 2 yrs and earn enough money to put into her business. An on-line business? I said she must do what she wants and if she thinks money is more important than our relationship then she must go. She knows what the outcome of that will be.
Her 2 sons have been around our house every day with other bratlings. One is 10 and lives with the father and I suspect is on an extended visit here. He is a bit overweight ....fed on rice so she says and the 9 yo is lean and loves his vegetables. We took all the kids on a boat trip to a nearby resort for the day and they really enjoyed the experience and were exited about it. The bonding process is beginning to work but I am taking a small step at a time. There is no rush. Maybe there will be no outcome. Guess I have to come to terms with the situation first.
Regards
PS....just noted she had today pawned more than 50k of jewelry....
May 9th 2018 | 11:48 pm
#1360
BE Enthusiast
Joined: Feb 2014
Posts: 939
From: Marikina Philippines
Re: Me and My Family
I'm forming an opinion that the OP is an attention seeking teller of tall tales. So many people are being drawn in to a sage of epic proportions similar to the soap operas that adorn the televisions in Blighty.
May 9th 2018 | 11:53 pm
#1361
BE Forum Addict
Joined: Nov 2012
Posts: 1,643
Re: Me and My Family
May 10th 2018 | 4:11 am
#1362
Concierge
Joined: Apr 2001
Posts: 47,658
Re: Me and My Family
Actually I would never sign an official document giving my status as something I'm not. There has to be repercussions of declaring yourself a spouse when you aren't.
May 10th 2018 | 4:38 am
#1363
BE Forum Addict
Joined: Dec 2016
Posts: 1,013
Re: Me and My Family
I find it hard to to see why a guy wants to put up with this lady. Have a relationship based on mistrust?
May 10th 2018 | 7:44 am
#1364
Forum Regular
Joined: Mar 2014
Posts: 82
From: NZ
Re: Me and My Family
Hi, not sure why you want to bond with a couple of kids that your partner couldn't be bothered telling you about. They are already getting in your space and as soon as you have "bonded", they will be hitting you up for more money because you are their new Daddy. Your situation has worked in a fashion for three years I would send them on their way, they are not your problem and your lovely lady obviously thought that because she never told you about them.
Also not sure why your lady refers to her activities as a business because if you are pawning items you already own then you are on your way to bankruptcy not on your way to making a profit. I would suggest she is no longer in a position to pawn, she will be in the selling phase and soon all her equity will be gone. Does she still get pawn tickets or just some cash? If she does not have spare funds available after two years of trading she has no chance.
Another story about my ex, she started a business in Angeles selling shoes etc, as usual everything on tick with the customers. You can guess the rest.
Of course writing lies on a legal contract is fraud and very hard to argue when it is all on paper. I hope you and your friends have very good relations with the Barangay, Municipal Hall and Police, pay to start cultivating them if not may save a lot of grief later on.
Give me a yell if you change your mind about disappearing up north, if bad things start happening "not far down the road" may not be far enough. Have a great day, Regards Mike
Also not sure why your lady refers to her activities as a business because if you are pawning items you already own then you are on your way to bankruptcy not on your way to making a profit. I would suggest she is no longer in a position to pawn, she will be in the selling phase and soon all her equity will be gone. Does she still get pawn tickets or just some cash? If she does not have spare funds available after two years of trading she has no chance.
Another story about my ex, she started a business in Angeles selling shoes etc, as usual everything on tick with the customers. You can guess the rest.
Of course writing lies on a legal contract is fraud and very hard to argue when it is all on paper. I hope you and your friends have very good relations with the Barangay, Municipal Hall and Police, pay to start cultivating them if not may save a lot of grief later on.
Give me a yell if you change your mind about disappearing up north, if bad things start happening "not far down the road" may not be far enough. Have a great day, Regards Mike
May 10th 2018 | 8:18 am
#1365
Forum Regular
Joined: Mar 2014
Posts: 82
From: NZ
Re: Me and My Family
Hi Bealinehx, what does it really matter, we all enjoy living vicariously through 11s tumultuous life. He obviously enjoys it to a certain extent. I'm sure if it were any of us that comment on this forum then we would have told his lady to hit the road a long time ago. Just to contradict myself yet again though because life can be confusing. I lived with my ex for years when I knew she was no good because I enjoyed having the two kids I inherited with her and my son around and if they were happy then I was happy. She chose to run off with a Filipino and it was the biggest break of my life. Hopefully 11s darling will shoot through to Kuwait and give him the biggest break of his life. Regards Mike
