00:30...na nangingi ng legal advice.
00:32Sasagutin natin kung legal ba.
00:33Pakinggan natin.
00:35May attorney, magandang araw po.
00:37Gusto ko po sanang humingi ng legal advice
00:40tungkol sa second-hand car na nabili ko.
00:42Recently, nalaman ko po na reported pala itong legal
00:45at posibleng galing sa nakaw.
00:47Hindi ko naman po alam noong binili po
00:49dahil maayos naman po ang transaction
00:51at may mga dokumento na ibinigay sa akin ng seller.
00:55Ngayon po, hindi ko na alam kung ano ang dapat kong gawin.
00:58Maaari po ba akong managot kahit wala akong kaalam-alam
01:01at ano po ang legal steps na dapat kong gawin?
01:07Naku, marami talaga sa ating mga kababayan.
01:09Mas pinipiling bumili ng second-hand na kotse
01:12dahil mas mura ito
01:14at mas pasok sa kanilang budget, attorney.
01:17Napakadaming tao yan.
01:18Pero tandaan natin, hindi dahil mas mura yung second-hand,
01:21yun yung bibili natin.
01:22Dapat tingnan din natin na may mga mahalagang bagay
01:25na dapat tayong i-check
01:27para malaman natin kung legitimate
01:28or tama ba yung transaction na pinapasok natin.
01:31Okay, so attorney, kapag bibili tayo ng second-hand na kotse,
01:34ano na ba yung mga dokumentong dapat natin hingin mula sa seller?
01:38So unang-una, original copy.
01:41Original copy ng OR at saka CR.
01:44Okay?
01:44Huwag tayo mag-irealize sa photocopy ng mga documents.
01:47Pangalawa, very important yung identity nagbebenta sa atin.
01:52So ano ba ang proof ng identity?
01:53Government-issued IDs.
01:55Pero hindi dapat doon natatapos yung verification natin.
01:59Okay.
01:59Kailangan i-check natin yung documents,
02:01magtanong tayo bakit gano'n yung ownership,
02:03bakit gano'n yung sasakyan,
02:05bakit hindi ikaw yung nagbebenta,
02:07hindi yung registered owner yung nagbebenta.
02:09Okay.
02:10Attorney yung iba kasi,
02:12ibibenta yung kotse
02:13ng kahit hindi pa talaga naka-transfer yung pangalan,
02:16sa mismo nagbebenta.
02:18Especially,
02:19ewan ko nangyari ito sa mga nagba-buy and sell.
02:21Tama.
02:21Ito ay nangyari doon sa
02:23ayaw nang asikasuhin yung dokumento.
02:26May capital gains tax din ba dito binabayaran
02:28aside from sa mismong bahay,
02:30kapag nagka-transfer yung lupa.
02:31Siguro,
02:32some kinds of taxes na nagiging hassle din sa kanila.
02:35Attorney,
02:35pwede ba yung gano'n?
02:37Or dapat talaga yung mismong binibilan mo?
02:40Yung sino man yung nakatitulo sa mismong kotse nyo?
02:43Ideally,
02:44of course,
02:44dapat yung registered owner yung nagbebenta sa'yo.
02:47So,
02:47kung hindi yung registered owner yung nagbebenta sa'yo,
02:49dito na dapat,
02:50nagtatanong ka.
02:51Okay.
02:51Una-una,
02:52bakit hindi siya yung nagbebenta?
02:54So,
02:54kailangan may SBA.
02:55Pero,
02:56very rampant ngayon kasi,
02:57open date of sale.
02:58Ibig sabihin,
02:59nagbebenta ka,
03:00hindi yung nililipat
03:01kasi ibibenta din eventually.
03:03Very risky yun.
03:04Kasi,
03:04una-una,
03:05hindi mo kilala kung sino talaga yung original na owner yun.
03:08Pangalawa,
03:08maaaring madaming issues doon sa kotse
03:10na maaaring ma-expose ka sa liability.
03:12Pangalawa,
03:13uso-uso ngayong pasalo.
03:15Okay?
03:15Isa pa yun.
03:16Kung bumili ka ng sasakyan,
03:18ngayon,
03:18umutang ka sa banko
03:19or other financial institutions.
03:21So,
03:21nakamortgage yung sasakyan ngayon.
03:23Tapos,
03:23yung tao na bumili ng sasakyan,
03:25ibibenta sa ibang tao.
03:27Okay?
03:27So,
03:27ang risk naman nun,
03:28hindi mo pa yung naalam dun sa banko,
03:30hindi mo pa yung naalam dun sa financial institution
03:32na binenta pala yung sasakyan.
03:35So,
03:35ibig sabihin,
03:36yung bumili ngayon,
03:37we'll assume all the obligations and liability.
03:39Hindi natin alam kung ano ba yung liability and obligations
03:42ng original buyer or seller.
03:44Okay,
03:44siguro ganito.
03:45Paano natin masisiguro na authentic o tugma
03:48ang mga dokumento ng sasakyan?
03:50Dito,
03:50papasok yung verification.
03:52Okay.
03:52Okay?
03:53You verify the documents.
03:54Pupunta ka sa LTO,
03:55kung tama ba itong mga dokumento,
03:57lalo-lalo na ngayon.
03:58Diba?
03:58May AI.
03:59Ang dali na mag-generate ng mga documents
04:01na maaaring dito yung mga totoog documents.
04:04Pangalawa,
04:04ito based on the experience,
04:06ito sa kaso na hinandal ko.
04:08Unfortunately,
04:09yung tao na ito,
04:10na-convict sa lower court.
04:11So,
04:11pumunta sa law office namin.
04:13Tapos,
04:14nakita ko na,
04:15ang ginawa niya,
04:16para may umutang sa kanya ng pera,
04:18tapos,
04:19sinangla yung sasakyan,
04:21tapos ngayon,
04:21syempre,
04:22hindi na nakabayad,
04:23ginagamit niya ngayon sa sakyan.
04:24Okay.
04:25Nung sinangla sa kanya,
04:27photocopy yung mga documents,
04:29dahil syempre,
04:29excited din tong tao na to eh.
04:31Parang,
04:31ang mura.
04:32Alamawa,
04:32let's just say,
04:331 million yung...
04:34Syaka,
04:34sangla lang naman.
04:35Siguro.
04:36Hindi talaga,
04:371 million,
04:37for example,
04:38yung value ng car,
04:39300,000 na niya sinangla,
04:41eh,
04:41di excited.
04:42Syempre,
04:42makagamit siya ng kotse.
04:43Hindi na siya nag-verify.
04:44So,
04:45unfortunately,
04:46na-convict yung taong to,
04:48doon sa court.
04:49Okay.
04:50Okay.
04:50So,
04:50pumunta sa amin,
04:51para i-appela yung kaso niya.
04:53Kumbaga,
04:54dito,
04:54in good faith naman siya,
04:55kumbaga,
04:55malinis yung concession niya,
04:57pero,
04:57sa ilalim kasi ng batas,
04:59hindi enough na hindi ko alam.
05:00Hindi,
05:00anong ngyari,
05:01bali,
05:02dahil photocopy yung mga dokumento,
05:04yung kotse niya,
05:05ay hindi mag-gumiyari na nagsangla.
05:07Yes,
05:07car nap pala siya.
05:08Car nap,
05:09nako po,
05:10hindi niya alam na car nap vehicle yun,
05:12na niwala siya.
05:13At hindi na rin ma-contact yung nagsangla sa kanya.
05:14Yes.
05:15Ay, nako,
05:16parang considered benta pa pala yung nangyari.
05:18Yes, yes.
05:19So,
05:19dito papasok yung anti-fencing law.
05:21Anti-fencing law.
05:22So,
05:22may cell phone,
05:24yung cell phone pala,
05:25ninakaw from A,
05:26tapos si B,
05:27binili yun from A,
05:29pwede kang maging liable sa anti-fencing.
05:31Kung,
05:32alam mo,
05:33of course,
05:33nanakaw yun,
05:34or you should have known
05:35nanakaw yun.
05:36Okay,
05:37in good faith nga,
05:38na hindi ko naman sinasadya talaga na yung kotse,
05:40ay hindi ko alam nanakaw pala.
05:42Ano nangyari dun sa kaso,
05:43dun sa kliyente?
05:44Yung good faith kasi,
05:45hindi lang ibig sabihin nun,
05:46hindi ko alam.
05:47Okay.
05:48Dapat,
05:48nag-conduct ka ng due diligence.
05:50Nag-verify ka.
05:50Hindi pwede na ignorance.
05:51Hindi lang,
05:52hindi pwede na ignorance.
05:53Hindi ko alam,
05:54wala akong alam dito,
05:54wala akong participation.
05:56Hindi dun natatapos.
05:57Good faith should be coupled with due diligence.
05:59Okay.
05:59Ibig sabihin,
05:59dapat nagtanong ka,
06:00una-una,
06:01nung pinakita nung seller photocopy.
06:04So,
06:04dapat nagtanong ka,
06:05nasan yung original copy?
06:06Okay.
06:07Pangalawa,
06:08ano identity ito nagbibenta sa'yo?
06:10Yun ba yung pangalan
06:11sa registered owner?
06:12Kung hindi,
06:13red flag na yun.
06:14So,
06:14in other words,
06:15if there are circumstances
06:16that have impelled you to investigate
06:18or to inquire further
06:19at hindi mo ginawa yun,
06:22magiging liable ka.
06:23Kasi good faith
06:23and due diligence.
06:25Okay.
06:25Paano kung nakabili na siya
06:27at dun lang ninalaman
06:28na reported the stolen
06:29yung susakyan?
06:30Ano mga legal nakbang
06:31na pwede niyang gawin?
06:32Okay.
06:32So, in that case,
06:33you have to document everything.
06:35So,
06:35i-document mo
06:36yung conversation mo
06:37with the seller
06:38and i-document mo
06:39kung ano mga naging transaction mo
06:40in order to protect yourself.
06:42And then,
06:42you report the same to PNP
06:44at saka sa,
06:45of course,
06:46HPG na this...
06:47Hindi yun pasok sa privacy
06:48of communication
06:49yung correspondents.
06:50because voluntary naman yun.
06:51Yung transaction is voluntary.
06:53It's a sale.
06:54So,
06:54the party is voluntarily
06:55consented to the transaction.
06:57So,
06:57document everything
06:58and then report the same to PNP
07:00in order to protect yourself.
07:01Okay.
07:02Are there any chances
07:03na kapag alam mo
07:04na stolen na yung kotse
07:05or may nakaramdam ka
07:05na stolen yung kotse
07:07while hindi mabigay
07:08yung pinakadokumento,
07:09i-report mo na ba dapat agad
07:11or baka mamaya
07:12biglang bawian ka pa?
07:13Siyempre,
07:14una-una,
07:14mag-investigate ka muna.
07:16Okay.
07:16Pag nakapag-investigate ka
07:17and you have confirmed
07:18na talaga yung nagbebenta sa'yo,
07:20hindi totoong owner
07:21o kaya yung sasakyan na yun
07:22ay subject ng theft or robbery,
07:24then you report the same
07:26to police authority.
07:28Okay.
07:28So,
07:28ibig sabihin niyo,
07:29paano kung alam mo
07:30yung pinakadok na kotse
07:31yung ginamit-accessing
07:32on an existing crime
07:34kahit wala ka namang kinilaman,
07:35i-connect na sa'yo
07:36at di ko pang sinabing
07:37possible na suspect
07:40doon sa crime
07:40na nangyari at or
07:41what could happen
07:42to those kinds of scenarios?
07:43That's why
07:44it's very important
07:45for you to conduct diligence.
07:46Okay.
07:47Dito na papasok
07:47yung good faith
07:48at due diligence mo.
07:49So,
07:49that will be your defense
07:50later on.
07:51Na unang-una,
07:52you're not a party
07:54or participant
07:55in the commission of the crime.
07:56Second is
07:56that you conducted
07:57due diligence.
07:58Pinakita sa'yo lahat,
07:59nag-conduct ka,
08:00vinerify mo,
08:01tama,
08:01walang problema.
08:02So,
08:02that will be your defense
08:03in the case
08:05or criminal case
08:05or proceeding
08:06against you
08:07as an additional
08:08respondent
08:08or akusado.
08:09So,
08:09kung second hand
08:10ng mga sasakyan,
08:11mas okay na rin
08:12yung mga na-release
08:13ng mga sasakyan
08:14pero currently
08:15binabayaran yung
08:16parang amortization
08:17or mortgage.
08:18Yung hulugan
08:19or yung pasalo.
08:20Ito yung pasalo.
08:21Okay.
08:21Okay siya.
08:23Alam ko,
08:23I think,
08:24nagkawin tayo ng episode
08:24on that.
08:25Pagpasalo kasi,
08:26ibig sabihin yung sasakyan
08:27or kahit bahay
08:28under mortgage,
08:30may third party.
08:31Meaning,
08:32may banko,
08:33pinagkutangan,
08:33may financial institution.
08:35Okay.
08:35Di ba?
08:35So,
08:36dapat,
08:36pinaalam mo yun
08:37doon sa financial institution.
08:39So, pwede yun sa financial institution.
08:40They have to approve.
08:41Kasi,
08:41yung loan kasi,
08:42it's a personal obligation.
08:44Ibig sabihin,
08:45yung qualification
08:45yung naglo-loan,
08:46chinecheck yan
08:47kung maganda ba yung
08:48credit study,
08:49et cetera, et cetera.
08:50So,
08:50kung papaalam mo yan
08:51sa banko
08:52o kaya sa financial institution
08:54na magpapalitan ng party,
08:55may bago ng party
08:56na gustong
08:57maging owner ng property,
08:58so,
08:58iti-check nila.
08:59So,
09:00pag in-inform mo sila
09:00and they approve the same,
09:01then,
09:02recognize na yung transaction.
09:03Pero kung hindi,
09:04that's the risk.
09:05Okay.
09:06That's the risk.
09:07dahil talamak ito online,
09:08marami mga Facebook pages
09:10and other social media pages
09:11na talagang
09:12they ask for pasalo
09:14without even
09:16asking for approval
09:17from the financial institution
09:18or from the bank.
09:19Yes.
09:19So,
09:19chances are,
09:20you have to face the risk.
09:21Pag gano'n.
09:22And,
09:22there's also a possibility
09:23that the bank
09:25or financial institution
09:25will not recognize you.
09:27Sino ka ba?
09:27Hindi naman ka-party
09:28nung mayroon tayong kontrata.
09:30So,
09:30those are the risks.
09:31Pag hindi ka nagpaalam
09:32sa banko
09:33or dun sa financial institution,
09:35na inutangan mo.
09:36Pero technically,
09:37yung habulin pa rin
09:38nung banko,
09:38nung financial institution,
09:39yung owner.
09:40Correct.
09:41Kaya dapat yung owner,
09:42lagi siya connectado
09:43sa sasalo
09:44ng kanyang sasakyan.
09:45At kung yung owner naman
09:46nagbebenta,
09:47in order for him
09:48to be released
09:48from any liability,
09:49halimbawa naman,
09:51yung buyer na accidente
09:52o yung buyer,
09:53ginamit niya sa crime,
09:55eh,
09:55ang registered,
09:55ano pa noon,
09:56dun sa kontrata nila,
09:58yung original buyer.
09:59So,
09:59how will you protect
10:00the original buyer?
10:01So,
10:01magpaparelease siya
10:02sa obligation.
10:03So,
10:03with the consent
10:04ng banko,
10:05with the consent
10:05ng financial institution,
10:06because,
10:07nag-agree na yung mga parties,
10:08i-release na
10:09from the obligation
10:10yung original na seller.
10:11Ayun.
10:12Apply din to sa mga motor.
10:13Same is true
10:14with vehicles.
10:15Ayun mga ka-arist,
10:16kaya maging maingat tayo
10:17sa pagbili
10:18ng mga sasakyan
10:19mura,
10:20lalo na kung
10:20second-hand ito.
10:22Lagi nating tandaan,
10:23ang pagiging maalam
10:24sa batas
10:25ay malakas
10:25nating laban
10:26sa mga manloloko.
10:27Kapag kailangan nyo
10:28na ng payo
10:28o malinaw na paliwanag
10:30sa usapin ng batas,
10:31magpadala lang
10:31kayo na mensahe sa amin
10:32at ating tatalakay niyan
10:34sa susunod
10:35dito lang sa Legalba.
10:37Muli,
10:37maraming salamat
10:38ang Presidente
10:39ng Integrated Bar
10:39of the Philippines,
10:41Kesa City Chapter,
10:42at Sorni Ruel Ilagan.
Comments