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Bdo refusing to process auto debit payment for car loan because of credit card debt

Bdo refusing to process auto debit payment for car loan because of credit card debt. May batas ba na pwedeng irefuse ni bank na iprocess yung payment sa auto loan ko kasi may unpaid balance ako sa credit card? Not releasing the paper maiintindihan ko. Pero yung hindi nila iprocess I think may mali dun. Tama ba? Pa-help naman kung pwedeng ireklamo sa bsp yung concern ko. Salamat sa mga sasagot

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