Dear PAO,

In January 2021, I bought a house and lot from a developer. Since then, I have been paying my monthly amortization amounting to Twenty-one Thousand Pesos (P21,000.00). Over the past three years, I have been making payments for the property, but the same has not been continuous since I failed to pay the amortization for a couple of months when I got laid off from work. The total amount that I have paid is Three Hundred Seventy-eight Thousand Pesos (P378,000.00). Now, I lost my job again, and I can't afford to pay anymore. Am I entitled to a refund of my payments?