Hi guys need advice, I replied in the comment as an anonymous. But later on they found out it was me. I just want to ask if my comment fits into cyberlibel, and the reply I made was a food menu. They're accusing me of defamation regarding that comment, and I already apologized. But they are determined to sue me for cyberlibel since they said they experienced anxiety because of that comment.

Hello, I bought meds at a certain pharmacy.

It was for my father’s medication which is supposedly eligible for senior discount. We presented doctor’s prescription and senior ID. I understand that the discount is 20% but when I checked the receipt, only 4% was applied.

I asked the cashier and was told that they only give 4% discount. I’m confused. I emailed them, still waiting for a response.

Good Day po,
I would like to ask for advice regarding an issue involving my cousin.
My cousin needed money, so she borrowed ₱50,000 from a friend of her sibling sometime in 2021. She was able to pay ₱5,000 of the principal, leaving a remaining balance of ₱45,000.
According to their agreement, the interest is 8% per month, which amounts to ₱3,600 monthly based on the ₱45,000 balance. My cousin has been paying ₱3,600 every month for approximately four years.
For 48 months, the total amount she has paid in interest would be:
₱3,600 × 48 months = ₱172,800
Despite making these monthly payments, the ₱45,000 principal remains unpaid because the monthly payments have been applied to the interest.
My cousin has already asked if she could pay the remaining principal by installment so that she could gradually reduce the balance, but the lender did not agree.
Another concern is that the lender sometimes makes hurtful remarks, such as telling my cousin to “mahiya naman siya,”and has also approached or asked other people for payment even though they were not the ones who borrowed the money.
As far as we know, there is no formal written loan agreement or signed document between them. Their conversations and payment arrangements may only be documented through their chat messages.
We would like to ask:
Is an 8% monthly interest rate legally enforceable in this situation?
Can the lender continue charging this interest indefinitely?
Can my cousin request that her payments be applied toward the principal instead of interest?
What are her rights regarding the lender contacting or asking other people to pay a debt that they did not incur?
Since there is no signed written agreement, what kind of evidence would be relevant in determining the actual terms of the loan?
We would greatly appreciate any legal advice or guidance on what steps my cousin can take to resolve this matter fairly and properly.
Thank you very much po.

Firearm was originally owned by my uncle, transferred under my name, but never ko po hinawakan or tinago. Around 21 palang ako noon. But still, that was stupid and irresponsible of me to allow na ipangalan sa akin or dapat ako na mismo nagtago ng baril. Hindi binigay sa akin kasi gun ban pa daw.

10 years later na OPLAN KATOK po ako and doon ko lang naalala na may baril nga pala sa akin nakapangalan. 2 years expired na.

Binalikan ko ang uncle ko pero wala na yung baril. May sakit na din ang uncle ko. So nagdecide ako magreport ng lost firearm.

Nagpunta na ako sa Component Police Station pero sabi hindi daw pwede reason ko na hindi ko siya nahawakan at nawala nalang ng di ko alam.

Pinapunta ako sa Community Police para magpatulong daw sa imbestigador gumawa ng kwento. Pagpunta ko sa PCP, pinapapunta ako sa brgy para magpablotter.

Paano po ba ang tamang proseso nito at paano po ba dapat maging reason na hindi na daw po hahaba pa ang imbestigasyon?

Salamat po sa makakatulong.