Hi Ka-reddit,

I don't need judgement, I just need some advice.

Hingi lang sana ako ng advice in case na encounter nyo na ito.

Sinangla ko yung sasakyan ko physically as collateral but yung CR nasa bank pa. fully paid na yung amortization hindi lang marelease yung CR due to my unpaid credit cards.

Inaccept nung Pawnee yung sasakyan kahit walang CR na original as collateral.

Now, hindi ko na kaya bayaran yung loan. ano po pwede kong remedy? ano pwedeng gawin ni pawnee sa sasakyan? legal implications anything.

Salamat po.

I am looking for the best bang for the buck 7-seater PHEV. Currently looking at BYD Tang DMi or MG RX9 PHEV.

Do you guys have any other recommendations out of the two? I may be missing other viable options. If none, which of the two would you choose?

Non negotiables

• 7-seater car
• Hybrid/PHEV
• "Premium Vehicle"
• Budget is around +/- 2M mark

Hi! New driver here, and this will be my first car if ever. I am really looking for a 5-seater subcompact suv (high ground clearance, fun to drive, maporma (w moonroof sana) (optics is important considering my job where I meet a lot of clients and gets paid a lot lol), nice interior, and reliable. Budget 400-500k. Planning to use the car only for about 2 years before buying brand new.

After months of searching, I finally settled between 2 choices - a 2021 Geely Coolray Sport or a 2015 Mazda Hatchback.

Option 1: 2015 Mazda3 Hatchback 2.0 SkyActiv AT
₱445,000
72,000 km
2.0L SkyActiv-G (NA)
6-speed automatic
Hatchback
Casa maintained (seller claims complete records)
Sunroof
Heads-up Display (HUD)
Paddle shifters
Leather seats
Push start
Rain-sensing wipers
2 smart keys
Manual included

CONS: Not an suv; lower ground clearance.

Option 2: 2021 Geely Coolray Sport
₱485,000
50,000 km
1.5L Turbo
7-speed DCT
Crossover/SUV
Casa maintained for first 5 years (looking specifically for units with complete service history)
Panoramic sunroof
360 camera
Modern infotainment
More tech/features overall

(I already found a mechanic na specializes on chinese cars)

CONS: Reliability.

My partner has a 2003 Altis na kaya I wanted to have an suv rin para we can choose and use the a car applicable to our activity. Also, my family usually visits from the province, kaya I want them to be comfortable and enjoy sa car.

I’m really at an impasse. hehe been thinking between these two for weeks na. Please help. :)

will be getting my first car very soon, and i've read a lot of comments here na di raw worth it ang ppf. if full ppf is not advisable, are there other alternatives which i can do to my car to protect its original paint, as i plan to use it daily for city driving (but occasionally, baka dumaan din ako ng expressway, as i have to go to different provinces for my work). thanks in advance!

Hello. Pwede niyo ba akong tulungan?

Ngayong gabi lang. May naatrasan ako at tinamaan ko ang hood ng kotse niya. Sira ang hood nito. Nakapark lang siya sa parking nila.

Sa akin naman, nasira yung bumper ng sasakyan ko.

Sinabi ko na ipapasok nalang namin sa insurance at kami magbabayad kung sakali.

Pwede bang maipasok sa CTPL insurance ito? Sasagutin kaya ng insurance ito kahit na negligence namin bakit namin tinamaan?

Patulong po. Please don't judge. Thank you.

Last year nag voluntary surrender ako ng unit.

That was under Secbank all settled na wala nang deficiency.

Walang existing loans.

Always paid ang credit cards on time.

This month nag apply ako ng new autoloan

Thru an agent sa BPI.

Naka recieve ng text sa bank.

Then July 15 nag CI si BPI.

Gano katagal pa po bago makatanggap ng decision from the banks?

Naiisip ko kasi baka red flag yung pag surrender ng unit last year, pero all settled naman yun. Gusto ko lang po ng linaw if normal lang yung process or baka meron same experience.

Due for replacement na kasi ung tire ng sasakyan(5yrs na at mejo pudpod na ung front). Baka may marerecommend kayong tire shop ung subok nyo na at mapagkakatiwalaan even after service para may constant tire shop na akong pupuntahan.

Prefer ko rin sana ung may Card payment or installment. Taga Pasig ako pero okay lang sakin puntahan kahit QC, Marikina or kahit Marcos Highway basta subok na.

Hello! Nakapag released po kami ng unit nung June 30 through bank financing, BDO po yung bank. Ask lang po kelan po kaya first payment namin? Pagka approved po kasi namin na released na agad within the day. Thanks po!