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> How to get out from PTPTN blacklist?, Anyone got experience?

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SUSgogo2
post Apr 28 2009, 10:19 AM, updated 17y ago

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Wah, my colleague yesterday was stopped in airport during passport chop to take flight to
go Phuket because she was blacklisted. She found out that she haven't pay RM25,000 to
PTPTN and she need to pay 100% of it before removed from blacklist. Wah...!!! OMG...
But my other colleague who owed RM24,800 is not blacklisted. Is the blacklist start from
RM25,000 and above?

Wah, my poor colleague. Phuket is so near yet so far. Sad case man.

Regards
gogo2

This post has been edited by gogo2: Apr 28 2009, 11:21 AM
zeist
post Apr 28 2009, 10:21 AM

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Bagus la tu, government so nais kasi loan sama lu orang, you buggers don't want to pay back.
hoilok
post Apr 28 2009, 10:21 AM

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deserved it lah ......take PTPTN but duwan to repay
HHH816
post Apr 28 2009, 10:21 AM

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i did not pid yet amount to RM14,000
SUSgogo2
post Apr 28 2009, 10:22 AM

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she actually graduated in 2001. Delayed paying to 2004 because of studying master I think... erm...
leanman
post Apr 28 2009, 10:23 AM

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see, owe money must pay...how lucky when she was offered a loan but after studies don't want to repay back....i don't pity her...don't say no money to repay back but got money to go to Phuket

This post has been edited by leanman: Apr 28 2009, 10:24 AM
daruma
post Apr 28 2009, 10:23 AM

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lol padam muka. this kind of ppl should put in jail instead.
kathyasir
post Apr 28 2009, 10:24 AM

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The amount is A matter. And they will c the Duration oso.
Plus when they send Reminder, We need to feedback.
As My experience.

As Jabatan Inform earlier : http://www.imi.gov.my/semak.aspx

Semak b4 go !!!
wufei
post Apr 28 2009, 10:24 AM

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Padan muka.....Should get a warrant and put her to eat curry rice (jail)

Edited : OR should get her a chop PTPTN DEFAULTER

This post has been edited by wufei: Apr 28 2009, 10:24 AM
SUSDrifter
post Apr 28 2009, 10:25 AM

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QUOTE(daruma @ Apr 28 2009, 10:23 AM)
lol padam muka. this kind of ppl should put in jail instead.
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and eat jacob n gardenia till finish paying
hbh60
post Apr 28 2009, 10:25 AM

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HAhAH
PADAN MUKA !!!!!!!!!!!!!!!!!!!
SUShako
post Apr 28 2009, 10:26 AM

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ur fren wat race?
SUSgogo2
post Apr 28 2009, 10:27 AM

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QUOTE(hako @ Apr 28 2009, 10:26 AM)
ur fren wat race?
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she's not racing today
alpha0201
post Apr 28 2009, 10:28 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:22 AM)
she actually graduated in 2001. Delayed paying to 2004 because of studying master I think... erm...
*
Delay paying for 3 years of course kena blacklisted la. Ur colleague is lucky they din take anything else. U try delay car loan payment for few months & see whether they allow u to keep ur car. shakehead.gif
ejiema
post Apr 28 2009, 10:29 AM

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QUOTE(alpha0201 @ Apr 28 2009, 11:28 AM)
Delay paying for 3 years of course kena blacklisted la. Ur colleague is lucky they din take anything else. U try delay car loan payment for few months & see whether they allow u to keep ur car.  shakehead.gif
*
yup agreed, supposed to clear the payment first blush.gif
adix4
post Apr 28 2009, 10:32 AM

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pinjam duit taknak bayar lemak ah!
SUSgogo2
post Apr 28 2009, 10:32 AM

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But unfortunately, she has to clear 100% of the RM25k in one shot. Wow!
And sad thing is, her flight money is gone. Luckily can defer the return flight and accomodation


Added on April 28, 2009, 10:32 amAnyone have experience that can make installment for the payment?

This post has been edited by gogo2: Apr 28 2009, 10:32 AM
jovyn
post Apr 28 2009, 10:33 AM

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u pay edi? hmm.gif
yojimbo512
post Apr 28 2009, 10:34 AM

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Now she's enemy of the state.
SUSgogo2
post Apr 28 2009, 10:34 AM

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QUOTE(jovyn @ Apr 28 2009, 10:33 AM)
u pay edi? hmm.gif
*
i dun take ptptn. i got scholarship from HP.
SUSDrifter
post Apr 28 2009, 10:35 AM

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lagi kesian ppl who qualify but PTPTN no more money coz of defaulters.

ur colik ald untung for the interest
alpha0201
post Apr 28 2009, 10:37 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:32 AM)
But unfortunately, she has to clear 100% of the RM25k in one shot. Wow!
And sad thing is, her flight money is gone. Luckily can defer the return flight and accomodation


Added on April 28, 2009, 10:32 amAnyone have experience that can make installment for the payment?
*
QUOTE
    * The borrower is encouraged to pay back the loan without waiting for the letter of claim. The period of loan repayment is based on the total loan taken as follows:



  1. RM10,000 and below                          -            60 months
  2. RM10,001 to RM22,000                      -          120 months
  3. RM22,001 to RM50,000                      -          180 months
  4. RM50,001 and above                          -          240 months



    * Administrative costs of 4% annually will be charged on the date of loan repayment up to 31st December 2003. From 1st January 2004, the administrative cost is reduced to 3% annually on the remaining monthly loan.
    * Administrative costs will be calculated 6 months after completion of study or termination of loan as specified in the signed agreement. No reduction is given in administrative cost.
    * Deferment of repayment can be considered for borrowers who continue their studies or who are not yet working by submitting an application. However, administrative cost will be charged during the period of deferment.
    * Administrative costs will be waived for full repayment of loan within 6 months.
    * Exemption of repayment will only be considered for borrowers who obtain first class honours for loans approved prior to 1st July 2005 ONLY by submitting an application.


http://www.ptptn.gov.my/web/english/loans/repayment
SUSHidan
post Apr 28 2009, 10:38 AM

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Since 2001 did she pay a single cent?
wufei
post Apr 28 2009, 10:38 AM

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She can pay 25K @ 1 shot?

Taisei rclxms.gif rclxms.gif

This post has been edited by wufei: Apr 28 2009, 10:38 AM
V12Kompressor
post Apr 28 2009, 10:38 AM

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padan muka padan muka.
SUSjoe_star
post Apr 28 2009, 10:39 AM

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Lol...padan her pokerface
St.Daring
post Apr 28 2009, 10:39 AM

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owned... rclxms.gif
SUSgogo2
post Apr 28 2009, 10:39 AM

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QUOTE(alpha0201 @ Apr 28 2009, 10:37 AM)
But this is only repayment. According to her, to get her out of blacklist, she need to pay full. She can pay instalment but
that does not take her out from blacklist. She still can't go overseas!! tongue.gif

QUOTE(Hidan @ Apr 28 2009, 10:38 AM)
Since 2001 did she pay a single cent?
*
i dunno lol
WhiteSheep
post Apr 28 2009, 10:40 AM

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mofonyx
post Apr 28 2009, 10:40 AM

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it's fkers like these that made PTPTN withdraw their loans to overseas students.

retards not repaying their loans.


hickups
post Apr 28 2009, 10:41 AM

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c**** go phuket got money
pay ptpn loan dont have money
alpha0201
post Apr 28 2009, 10:44 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:39 AM)
But this is only repayment. According to her, to get her out of blacklist, she need to pay full. She can pay instalment but
that does not take her out from blacklist. She still can't go overseas!! tongue.gif
*
Delay payment for sooooo long what do you expect? The credit has been brought forward month after month accumulated to the total sum borrowed if the person didn't pay since day 1. All banks do the the same.
prob queen
post Apr 28 2009, 10:44 AM

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I oni will pay whenever I have spare sad.gif
SUSgogo2
post Apr 28 2009, 10:44 AM

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QUOTE(hickups @ Apr 28 2009, 10:41 AM)
c**** go phuket got money
pay ptpn loan dont have money
*
phuket is RM1k mah. PTPTN loan is RM25k wor... icon_question.gif
jovyn
post Apr 28 2009, 10:44 AM

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u pay for her...then u can ask for a favor edi mah? ngek ngek ngek~~~
-Katrina-
post Apr 28 2009, 10:45 AM

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next time pls dun get ptpn if u afford
SUSvkeong
post Apr 28 2009, 10:46 AM

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hahahha treat her right. pinjam duit tak mau bayar balik.
SUSgogo2
post Apr 28 2009, 10:46 AM

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QUOTE(jovyn @ Apr 28 2009, 10:44 AM)
u pay for her...then u can ask for a favor edi mah? ngek ngek ngek~~~
*
she is going to phuket with her bf la wei... and her bf is owing RM24,800 but not blacklist. erm hmm.gif
samuraikacang
post Apr 28 2009, 10:46 AM

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just pay la like u already agreed when u take the loan. RM 101.50 is nothing from your big salary.



SUSgogo2
post Apr 28 2009, 10:46 AM

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QUOTE(vkeong @ Apr 28 2009, 10:46 AM)
hahahha treat her right. pinjam duit tak mau bayar balik.
*
mau bayar. Tapi lambat sikit.
hickups
post Apr 28 2009, 10:47 AM

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25k bukan satu kali bayar
i thing even rm60 oso can payu monthly?
SUSsoundsyst64
post Apr 28 2009, 10:48 AM

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Mengaku ajelah tak mahu bayar sleep.gif
SUSgogo2
post Apr 28 2009, 10:48 AM

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QUOTE(samuraikacang @ Apr 28 2009, 10:46 AM)
just pay la like u already agreed when u take the loan. RM 101.50 is nothing from your big salary.
*
unfortunately, that does not make you come out from blacklist. You have to pay RM25,000 all in one shot/time to get you
out of blacklist. <-----------dunno how many time i need to repeat this sweat.gif
alpha0201
post Apr 28 2009, 10:49 AM

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QUOTE(hickups @ Apr 28 2009, 10:47 AM)
25k bukan satu kali bayar
i thing even rm60 oso can payu monthly?
*
Problem that she delay payment for so long. Credit accumulated become total sum that need to pay 1 shot.
bingozero
post Apr 28 2009, 10:49 AM

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If you want to go oversea, make sure you click here before you travel.
http://www.imi.gov.my/semak.aspx
or here
http://eform.ptptn.gov.my:8080/blacklist/login.cfm

This post has been edited by bingozero: Apr 28 2009, 10:52 AM
wufei
post Apr 28 2009, 10:49 AM

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Lambat sampai bila

As i know when you are able to earn income, you have to start paying already.

If like that the PTPTN bank will empty very fast.

I would say the government serve her right. But I expect all defaulter should be blacklisted
SUSgogo2
post Apr 28 2009, 10:49 AM

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QUOTE(hickups @ Apr 28 2009, 10:47 AM)
25k bukan satu kali bayar
i thing even rm60 oso can payu monthly?
*
its 1 kali bayar bro to get out of blacklist. She got another trip to overseas this year.... <-----repeated again sweat.gif
SUSvkeong
post Apr 28 2009, 10:49 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:46 AM)
mau bayar. Tapi lambat sikit.
*
'kaki busuk' - in hokkien we call 'chau kha'

if she wasn't blacklisted from travel or being dragged to court I bet she wouldn't even think of paying
SUSticke
post Apr 28 2009, 10:50 AM

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send a letter to PTPTN la...ask to be taken out from BL list and pay the 1st payment as good faith...mana tau they will consider...if not every YEAR cuti-cuti Malaysia SAHAJA LAR...


This post has been edited by ticke: Apr 28 2009, 10:50 AM
hickups
post Apr 28 2009, 10:50 AM

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ohhh lidat good lar kena stop from going phuket
must send her go gaza lar like this
SUSvkeong
post Apr 28 2009, 10:52 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:48 AM)
unfortunately, that does not make you come out from blacklist. You have to pay RM25,000 all in one shot/time to get you
out of blacklist. <-----------dunno how many time i need to repeat this  sweat.gif
*
i think she never paid a cent right. put urself in gov's shoes.

someone borrow 10% of the amount, 2.5k from you. after 4 years still no payment, not a single cent. then she wants to go phuket to vacation

WAFAK
samuraikacang
post Apr 28 2009, 10:54 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:48 AM)
unfortunately, that does not make you come out from blacklist. You have to pay RM25,000 all in one shot/time to get you
out of blacklist. <-----------dunno how many time i need to repeat this  sweat.gif
*
dude

I pay monthly for my PTPTN and doesn't get in any immi blacklist and I've travel abroad so many times.

The thing is when its time for you to pay, just pay. Your friend in 2004 already finished master right and 5 years didnt pay any fricking money so she deserved to be blacklist and too bad for her that she need to pay lump sum to get out of blacklist. tell her to think it as bankruptcy notice.

if only she was smart.

This post has been edited by samuraikacang: Apr 28 2009, 10:55 AM
alpha0201
post Apr 28 2009, 10:54 AM

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QUOTE(vkeong @ Apr 28 2009, 10:52 AM)
i think she never paid a cent right. put urself in gov's shoes.

someone borrow 10% of the amount, 2.5k from you. after 4 years still no payment, not a single cent. then she wants to go phuket to vacation

WAFAK
*
Thanks to jackass like those people, my brother had a hardtime getting PTPTN loan.

QUOTE(samuraikacang @ Apr 28 2009, 10:54 AM)
dude

I pay monthly for my PTPTN and doesn't get in any immi blacklist and I've travel abroad so many times.

The thing is when its time for you to pay, just pay. Your friend in 2004 already finished master right and 5 years didnt pay anything fricking money so she deserved to be blacklist and too bad for her that she need to pay lump sum to get out of blacklist. tell her to think it as bankruptcy notice.

if only she was smart.
*
I've been explaining that to this pillock.

This post has been edited by alpha0201: Apr 28 2009, 10:55 AM
facepalm
post Apr 28 2009, 10:54 AM

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lol most comment shows served her right more than she deserve to go teh trip laugh.gif

btw i didn't take ptptn but since she already drag the payment for 4 years, she should start paying back by now le
779364
post Apr 28 2009, 10:54 AM

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Ini baru padan muka. Dah ambik duit orang tak nak bagi balik.Pifffff

Kasi dia masuk lokap baru tahu.Dont pray pray.

Don't give excuse your friend taking masters,she graduated in 2001 and master takes at most 1 one year so she should be working for almost many years now.

Think of other poorer students who can't afford to study and have to rely on PTPTN money.If all of you buggers and selfish blarddy fool just take the money and buat tak tahu,who is gonna fund the other students who needs the money.

I know of one student who happens to be my friends housemate who came from a very poor family and he cannot afford to pay for the loan to study in UTAR now because PTPTN rejected his application due to the quota for that uni which is only 200 per course. Thanks to your friend,this dude here now has to find other ways to borrow money.

This post has been edited by 779364: Apr 28 2009, 10:59 AM
LEVIATHAN
post Apr 28 2009, 10:57 AM

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Tolong bayar cepat sikit. Kang mati siapa nak bayar? Bukan ke menyusahkan orang lain namanya tu?
outsider
post Apr 28 2009, 10:58 AM

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i pay a part only
now dont know till what amount sweat.gif
samuraikacang
post Apr 28 2009, 10:58 AM

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Anyway good for her to cuti cuti Malaysia. As long as her job doesn't involved oversea trip, it won't affect her so much right? Cuti only ma, u can still go to so many places in Malaysia. Phuket is not safe anyway. got red shirt and yellow shirt.
SUSgogo2
post Apr 28 2009, 10:59 AM

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QUOTE(vkeong @ Apr 28 2009, 10:52 AM)
i think she never paid a cent right. put urself in gov's shoes.

someone borrow 10% of the amount, 2.5k from you. after 4 years still no payment, not a single cent. then she wants to go phuket to vacation

WAFAK
*
QUOTE(samuraikacang @ Apr 28 2009, 10:54 AM)
dude

I pay monthly for my PTPTN and doesn't get in any immi blacklist and I've travel abroad so many times.

The thing is when its time for you to pay, just pay. Your friend in 2004 already finished master right and 5 years didnt pay any fricking money so she deserved to be blacklist and too bad for her that she need to pay lump sum to get out of blacklist. tell her to think it as bankruptcy notice.

if only she was smart.
*
ya, she didn't pay single cent. Wah..u guys really shoot kaw kaw. I feel sad for her la. She is nice person. I think because she think no
one paying mah. Also got JPJ people also never pay. Malaysian mah. Mana tau so efficient.

Now we know about Performance Now from Najib tongue.gif
adix4
post Apr 28 2009, 10:59 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:46 AM)
mau bayar. Tapi lambat sikit.
*
kalau PTPTN tu bank dan rumah kau tu jadi liability , rumah dah takde dah
adix4
post Apr 28 2009, 11:00 AM

ich bin eine Katze :3
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QUOTE(LEVIATHAN @ Apr 28 2009, 10:57 AM)
Tolong bayar cepat sikit. Kang mati siapa nak bayar? Bukan ke menyusahkan orang lain namanya tu?
*
+1
shinchan^^
post Apr 28 2009, 11:00 AM

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Ts's friend IC found in http://www.imi.gov.my/semak.aspx
?
jovyn
post Apr 28 2009, 11:00 AM

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QUOTE(outsider @ Apr 28 2009, 10:58 AM)
i pay a part only
now dont know till what amount  sweat.gif
*
galyman, u haven seatle ah? blush.gif
adix4
post Apr 28 2009, 11:01 AM

ich bin eine Katze :3
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QUOTE(bingozero @ Apr 28 2009, 10:49 AM)
If you want to go oversea, make sure you click here before you travel.
http://www.imi.gov.my/semak.aspx
or here
http://eform.ptptn.gov.my:8080/blacklist/login.cfm
*
Keputusan semakan:
Tiada halangan
Status: Sah pada waktu dan tarikh semakan dibuat.

yaay what did i win?
779364
post Apr 28 2009, 11:01 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:59 AM)
ya, she didn't pay single cent. Wah..u guys really shoot kaw kaw. I feel sad for her la. She is nice person. I think because she think no
one paying mah. Also got JPJ people also never pay. Malaysian mah. Mana tau so efficient.

Now we know about Performance Now from Najib tongue.gif
*
Wah this kind of mentality really must tembak her. Other people not paying its their business. Orang lain buat bodoh nak ikut pulak.


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post Apr 28 2009, 11:04 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:27 AM)
she's not racing today
*
-___-"
ballsmyberries
post Apr 28 2009, 11:04 AM

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got money to go kai kai but no money to pay loan......

this type of people got one special word for them. HOPELESS.....
SUSjoe_star
post Apr 28 2009, 11:08 AM

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Thanks to your friend they cancelled automatic conversion of loans to scholarships for geeks high achievers like me. I say they should demand the full sum before letting her go enjoice anywhere
alpha0201
post Apr 28 2009, 11:08 AM

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QUOTE(779364 @ Apr 28 2009, 11:01 AM)
Wah this kind of mentality really must tembak her. Other people not paying its their business. Orang lain buat bodoh nak ikut pulak.
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If the rating works I give u +1.
g3n0c1d3
post Apr 28 2009, 11:09 AM

hai hai... kazuma dayo....
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aisyeh... already borrow but dont want to pay back ah? summore do master and then never told PTPTN about it kah?
now when want to tarvel got barred only want to cry....!
shamelah on ur friend TS, either good or not ur friend is..., ur friend wasted the payment sum to the others that need the loan....

the solution to ur friend, write a letter stating that ur friend only able to settle some amout of the loan on installment....

enuff said!
harrychoo
post Apr 28 2009, 11:09 AM

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dai sei rclxms.gif

i almost finish repay my ptptn rclxms.gif
SUSedwardstevens
post Apr 28 2009, 11:10 AM

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well...start paying. bit by bit. consistent. then write a letter to ptptn. say sorry or something.

and keep paying.

This post has been edited by edwardstevens: Apr 28 2009, 11:11 AM
DaRust
post Apr 28 2009, 11:10 AM

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I know many people who doesn't pay back their ptptn loan. Especially you know who.... smile.gif

The first thing when they got the loan. They will buy a car or spend on something else. Like no need to pay back >.<
swaichia
post Apr 28 2009, 11:12 AM

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sorry to hear about your friend's scenario, really bad luck... did she received warning letter asking for paying back the $$$ before being blacklisted? Luckily I pay all and settle it already...

how about income tax? if didn't pay can be black-listed also?

This post has been edited by swaichia: Apr 28 2009, 11:13 AM
SUSjoe_star
post Apr 28 2009, 11:14 AM

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QUOTE(swaichia @ Apr 28 2009, 11:12 AM)
sorry to hear about your friend's scenario, really bad luck... did she received warning letter asking for paying back the $$$ before being blacklisted? Luckily I pay all and settle it already...

how about income tax? if didn't pay can be black-listed also?
*
bad luck ar? im celebrating here that finally someone kena kantoi for not paying.
harrychoo
post Apr 28 2009, 11:15 AM

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so ptptn start to take action nao after so long?
SUSkillingspree
post Apr 28 2009, 11:15 AM

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invest dalam ASM dan ASW 2020 boleh, pegi phuket boleh, bayar loan ptptn tak boleh....
alpha0201
post Apr 28 2009, 11:15 AM

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QUOTE(swaichia @ Apr 28 2009, 11:12 AM)
sorry to hear about your friend's scenario, really bad luck... did she received warning letter asking for paying back the $$$ before being blacklisted? Luckily I pay all and settle it already...

how about income tax? if didn't pay can be black-listed also?
*
Bad luck has nothing to do with being ignorant.
LEVIATHAN
post Apr 28 2009, 11:16 AM

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QUOTE(killingspree @ Apr 28 2009, 11:15 AM)
invest dalam ASM dan ASW 2020 boleh, pegi phuket boleh,  bayar loan ptptn tak boleh....
*
BAW WAHAHA! +9000
harrychoo
post Apr 28 2009, 11:17 AM

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if ptptn fully take action on all defauters, air ticket sales will drop by 30% at least
adix4
post Apr 28 2009, 11:18 AM

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QUOTE(killingspree @ Apr 28 2009, 11:15 AM)
invest dalam ASM dan ASW 2020 boleh, pegi phuket boleh,  bayar loan ptptn tak boleh....
*
ASM dan ASW cepat habis , so kena la beli saham banyak2
afaik 2 hari pun dah licin dijual kan?
lawsh
post Apr 28 2009, 11:18 AM

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wahahhaha, 25k is the limit ei? biggrin.gif

also check the website given biggrin.gif

QUOTE
Keputusan semakan:
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rclxm9.gif

This post has been edited by lawsh: Apr 28 2009, 11:20 AM
Turtlez84
post Apr 28 2009, 11:19 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:27 AM)
she's not racing today
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vrom vrom
cutiepooh
post Apr 28 2009, 11:20 AM

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huh??? got such rules??? PTPTN so strict d ar....
779364
post Apr 28 2009, 11:21 AM

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QUOTE(alpha0201 @ Apr 28 2009, 11:08 AM)
If the rating works I give u +1.
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You can give it to me when the rating system is fully functional in the near future brows.gif
kazuki85
post Apr 28 2009, 11:21 AM

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Polis kata JANGAN hutang badan kerajaan seperti PTPTN

...tapi kerajaan boleh hutang you.
sangrenab
post Apr 28 2009, 11:21 AM

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QUOTE(harrychoo @ Apr 28 2009, 11:17 AM)
if ptptn fully take action on all defauters, air ticket sales will drop by 30% at least
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that is good news to us all, isnt it? drop sales, increased discount thingy laugh.gif
SUSRegist
post Apr 28 2009, 11:22 AM

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QUOTE(leanman @ Apr 28 2009, 10:23 AM)
see, owe money must pay...how lucky when she was offered a loan but after studies don't want to repay back....i don't pity her...don't say no money to repay back but got money to go to Phuket
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25k can go 10 times phuket laugh.gif
779364
post Apr 28 2009, 11:22 AM

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QUOTE(cutiepooh @ Apr 28 2009, 11:20 AM)
huh??? got such rules??? PTPTN so strict d ar....
*
It actually started way back in 2007.They are compiling names to be blacklisted and some other ways they are thinking of using to get back the money is by sending letter to ur respective company where you are working.

You wont want your boss to see that letter dont you.
alpha0201
post Apr 28 2009, 11:25 AM

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QUOTE(779364 @ Apr 28 2009, 11:22 AM)
It actually started way back in 2007.They are compiling names to be blacklisted and some other ways they are thinking of using to get back the money is by sending letter to ur respective company where you are working.

You wont want your boss to see that letter dont you.
*
Now he did...
pasarmalam
post Apr 28 2009, 11:25 AM

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Nice hope they blacklist them all and put them in jail.

Most of these kids take loan not really for study.I can see alot uitm studens all using expensive hp's and laptops and enjoy onli.

So padan muka all kene blacklist.Governemt help all these people but in the end all also takmo baya.Farkers wasting my incometax onli grrr...
g3n0c1d3
post Apr 28 2009, 11:26 AM

hai hai... kazuma dayo....
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QUOTE(Regist @ Apr 28 2009, 11:22 AM)
25k can go 10 times phuket  laugh.gif
*
if the TS friend isn't that ignorant, he/she can go anywhere he/she like without having to pay it lam sam!
harrychoo
post Apr 28 2009, 11:27 AM

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QUOTE(779364 @ Apr 28 2009, 11:22 AM)
It actually started way back in 2007.They are compiling names to be blacklisted and some other ways they are thinking of using to get back the money is by sending letter to ur respective company where you are working.

You wont want your boss to see that letter dont you.
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some boss also didnt pay doh.gif
~LynX~
post Apr 28 2009, 11:27 AM

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His friend defer payment because doing Masters, not becoz lari hutang.

TS, can appeal because PTPTN states that you can defer payment if you're not employed or continue studying, BUT MUST INFORM PTPTN ABOUT IT.

This post has been edited by ~LynX~: Apr 28 2009, 11:30 AM
chanti-sama
post Apr 28 2009, 11:28 AM

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hahaha tai sei.... no money pay loan, got money go berjoli
my brother wanna study have to wait ptptn loan for very long time becoz ppl like u they keep reducing the limit.

TAI 9 SEI~~~ and also the BF borrow loan also havent pay yet. Blacklist him oso la
DaRust
post Apr 28 2009, 11:30 AM

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QUOTE(~LynX~ @ Apr 28 2009, 11:27 AM)
Hey fark u ppl la. His friend defer payment because doing Masters, not becoz lari hutang.

TS, can appeal because PTPTN states that you can defer payment if you're not employed or continue studying, BUT MUST INFORM PTPTN ABOUT IT.
*
But after finish Masters why didnt pay back? What is her excuses now?
harrychoo
post Apr 28 2009, 11:30 AM

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QUOTE(gogo2 @ Apr 28 2009, 10:22 AM)
she actually graduated in 2001. Delayed paying to 2004 because of studying master I think... erm...
*
QUOTE(~LynX~ @ Apr 28 2009, 11:27 AM)
Hey fark u ppl la. His friend defer payment because doing Masters, not becoz lari hutang.

TS, can appeal because PTPTN states that you can defer payment if you're not employed or continue studying, BUT MUST INFORM PTPTN ABOUT IT.
*
now wat year captain obvious?
EmperorMeng
post Apr 28 2009, 11:31 AM

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lend her money brows.gif
alpha0201
post Apr 28 2009, 11:31 AM

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QUOTE(~LynX~ @ Apr 28 2009, 11:27 AM)
Hey fark u ppl la. His friend defer payment because doing Masters, not becoz lari hutang.

TS, can appeal because PTPTN states that you can defer payment if you're not employed or continue studying, BUT MUST INFORM PTPTN ABOUT IT.
*
HELLO, now 2009 okay! That means 7 years not paying a single cent!
SUSRegist
post Apr 28 2009, 11:31 AM

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QUOTE(chanti-sama @ Apr 28 2009, 11:28 AM)
hahaha tai sei.... no money pay loan, got money go berjoli
my brother wanna study have to wait ptptn loan for very long time becoz ppl like u they keep reducing the limit.

TAI 9 SEI~~~ and also the BF borrow loan also havent pay yet. Blacklist him oso la
*
chanti-sama NIKKA SPOTTED
SUSlovely_named
post Apr 28 2009, 11:32 AM

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ada pinjam ada bayar lah, kaki busuk.
SUSgogo2
post Apr 28 2009, 11:32 AM

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wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
g3n0c1d3
post Apr 28 2009, 11:32 AM

hai hai... kazuma dayo....
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QUOTE(DaRust @ Apr 28 2009, 11:30 AM)
But after finish Masters why didnt pay back? What is her excuses now?
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baru dapat kerja mah.....! either he/she is ignorant or she dont want to pay the loan...
haisyeh!
SUSlovely_named
post Apr 28 2009, 11:32 AM

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i'm appalled the option of paying back never come to your mind.
mirage2000
post Apr 28 2009, 11:33 AM

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This kind of people really useless, with high education but low on moral and honour...
alien0110
post Apr 28 2009, 11:34 AM

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no need pay lah, just don't go phuket, go langkawi loh.
slushie
post Apr 28 2009, 11:35 AM

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QUOTE(daruma @ Apr 28 2009, 10:23 AM)
lol padam muka. this kind of ppl should put in jail instead.
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padam muka? lol? laugh.gif
ToddStarz
post Apr 28 2009, 11:35 AM

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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
borrow 25k not serious?
ToddStarz
post Apr 28 2009, 11:36 AM

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QUOTE(lovely_named @ Apr 28 2009, 11:32 AM)
i'm appalled the option of paying back never come to your mind.
*
nicely said..
~LynX~
post Apr 28 2009, 11:36 AM

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Tanya TS: your friend take full loan? Or took only RM25,000?
harrychoo
post Apr 28 2009, 11:36 AM

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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
pay by credit card or find michael chong rclxms.gif
g3n0c1d3
post Apr 28 2009, 11:37 AM

hai hai... kazuma dayo....
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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
ask ur friend to write a letter asking for installment payment and pay consistently... for the blacklist one.... ask ur friend to go to PTPTN and ask for the settlement.....

that the solution....
DaRust
post Apr 28 2009, 11:39 AM

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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
Write an appeal letter to ptptn or go straight to Wisma Perdana and appeal. Start paying back her loan monthly. This is the only solution. If you don't pay your loan amount will increase. Is 3% interest don't forget. But before that it was 4%. I think your friend need to pay more than 25K. Probably 50-60K. Alot right? Well,think twice before you borrow loan from PTPTN.

This post has been edited by DaRust: Apr 28 2009, 11:41 AM
SUSgogo2
post Apr 28 2009, 11:40 AM

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QUOTE(~LynX~ @ Apr 28 2009, 11:36 AM)
Tanya TS: your friend take full loan? Or took only RM25,000?
*
QUOTE(harrychoo @ Apr 28 2009, 11:36 AM)
pay by credit card or find michael chong  rclxms.gif
*
QUOTE(g3n0c|d3 @ Apr 28 2009, 11:37 AM)
ask ur friend to write a letter asking for installment payment and pay consistently... for the blacklist one.... ask ur friend to go to PTPTN and ask for the settlement.....

that the solution....
*
Ok, will tell her that.
Kaerna
post Apr 28 2009, 11:41 AM

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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
I think your friend deserve it, but I can give you a simple solution


First, appeal to PTPTN whether if she can can repay back slowly on a regular basis.

Should the appeal is not accepted, the only other way is to convince the PTPTN officer that your friend is not in the position to repay the loan(which is, she must've not been in employment till today, which I doubt since she can go Phuket)

And the final and only way is to get a loan of RM25k(personal or from friends) to settle the RM25k owed to PTPTN, and slowly throughout the years settle the loan and the interest.


I'm being kind here, but if your friend got a complain about getting a loan, I say serve her right for not doing her responsibilities. All this could've avoided if she got the courtesy of paying as little as RM70 a month at such a low interest rate. Now she have to pay the penalty for the ignorance. And don't complain about her bf never get blacklisted, just because you rob a bank and your accomplice didn't get caught, doesn't make you innocent
harrychoo
post Apr 28 2009, 11:41 AM

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"Saya dah tau salah, jangan la hukum saya. Bagi la I chance keluar negara. I bayar 5k dulu, baki tu I settle bulanan" will do the job
DaRust
post Apr 28 2009, 11:41 AM

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Michael Chong also can't help. It's her own fault.
SUSrapeace
post Apr 28 2009, 11:42 AM

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start paying, simple as that
Muhammad Syukri
post Apr 28 2009, 11:45 AM

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My brother always pay on time plus every month also go oversea nothing happen to him.

Serve your friends right because dont want to pay the debt.
SUSvkeong
post Apr 28 2009, 11:46 AM

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michael chong's reaction: "hahahahahahahahahhahahahahah padan muka hahahahahahahahahahahhaahha"
mr rocko
post Apr 28 2009, 11:47 AM

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is your friend the type that always complain gomen is bad?
Klesk
post Apr 28 2009, 11:48 AM

...
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heard from my fren, PTPTN's database crashed before and they lost thousands of records, hence why some ppl are being blacklisted/asked to pay back while some remain scot-free...
SUSHidan
post Apr 28 2009, 11:50 AM

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Aisey, I only pay 1 month. Wonder if i will go scott free.
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post Apr 28 2009, 11:51 AM

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QUOTE(Hidan @ Apr 28 2009, 11:50 AM)
Aisey, I only pay 1 month. Wonder if i will go scott free.
*
theres a link in the back pages for u to check if ur name is blacklisted or not
kiddo
post Apr 28 2009, 11:55 AM

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TS, invite your fren into this thread lar ... why u asking on her behalf? brows.gif
g3n0c1d3
post Apr 28 2009, 12:00 PM

hai hai... kazuma dayo....
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QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious.  But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
loan is a seriuz business btw!
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post Apr 28 2009, 12:01 PM

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i tot the interest rate has been dropped till 1% since last nov-dec 2008? Correct me if i'm wrong all sifus
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post Apr 28 2009, 12:02 PM

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user posted image

ask ur fren and her bf enjoice at langkawi oni

earl-ku
post Apr 28 2009, 12:02 PM

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post Apr 28 2009, 12:05 PM

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QUOTE(kiddo @ Apr 28 2009, 11:55 AM)
TS, invite your fren into this thread lar ... why u asking on her behalf?  brows.gif
*
i know what u did thar..
QUOTE(earl-ku @ Apr 28 2009, 12:02 PM)
Keputusan semakan:
Tiada halangan
Status: Sah pada waktu dan tarikh semakan dibuat.
*
good for u..
yanapinky
post Apr 28 2009, 12:10 PM

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I believe my name is clear.

Keputusan semakan:
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JonSpark
post Apr 28 2009, 12:17 PM

ai shiteru
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Sekali gus pay within the first 6 months after graduation takde charge interest right ? unsure.gif
IP_MAN
post Apr 28 2009, 12:24 PM

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LU INGAT DUIT PTPTN DARI KOCEK KERAJAAN SENDIRI ??? our tax money ar !!!
u pay montly RM50 also they dont mind la.."janji ada bayar"
frend got take ... he salary kaw but pay RM 50 oni per month ..
he say "JANJI ADA BAYAR"
thken
post Apr 28 2009, 12:24 PM

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gov no money jor. wakaka
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post Apr 28 2009, 12:34 PM

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as long u pay monthly whatever amount ( rm50-200++ ) , u will be safe from blacklist, just pay , no pay, its time to say padan muka wahahahaha
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post Apr 28 2009, 01:17 PM

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QUOTE(gogo2 @ Apr 28 2009, 10:49 AM)
its 1 kali bayar bro to get out of blacklist. She got another trip to overseas this year.... <-----repeated again  sweat.gif
*
is the trip a neccesity? i think govt have been fair asking, giving notice, warning, giving chance to pay up. but still she didn't' budge for whatever reason.

it's still better than borrowing for ahlong.
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post Apr 28 2009, 01:45 PM

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QUOTE(yanapinky @ Apr 28 2009, 12:10 PM)
I believe my name is clear.

Keputusan semakan:
Tiada halangan
Status: Sah pada waktu dan tarikh semakan dibuat.
*
u bayar or not?...i u not bayar and u go check..then they will catch ur ic and banned u le...
pirateguy
post Apr 28 2009, 02:07 PM

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I paid my PTPTN on monthly basis (sometime 2-3 months apart but in RM 1000), so far no problem getting across borders.

This month will be my last payment (left only RM 400!). icon_rolleyes.gif


SUSkillingspree
post Apr 28 2009, 02:15 PM

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jangan tak bayar, nanti dpt kerja, gaji makan haram.... bole kena selesema babih!..
Hexism
post Apr 28 2009, 02:20 PM

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I thought PTPTN after kerja only need to start paying ?
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post Apr 28 2009, 02:20 PM

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QUOTE(gogo2 @ Apr 28 2009, 10:46 AM)
she is going to phuket with her bf la wei... and her bf is owing RM24,800 but not blacklist. erm  hmm.gif
*
wahh.. then her bf proceed to phuket alone ahh... he mah cannot enjoice with the gf dy loh? oh wait... it's phuket.. can find part-timers *ahem*

QUOTE(gogo2 @ Apr 28 2009, 11:32 AM)
wah, u guys should stop shooting liaw la. I think she dunno that it is this serious. But shooting her kaw kaw won't solve my fren problem. Any solution guys?
*
gomen is serious business. faster bring her into here and we want shoot more kaw. no solution.. the oni way is = sell her **** to raise the money

QUOTE(mirage2000 @ Apr 28 2009, 11:33 AM)
This kind of people really useless, with high education but low on moral and honour...
*
ntah... dah study tinggi sampai master tapi tak pakai kepala otak... buat ape nak stardee tinggi tinggi kan.. adik aku yg umur 6 pon tau akibat hutang duit orang

QUOTE(Kaerna @ Apr 28 2009, 11:41 AM)
Should the appeal is not accepted, the only other way is to convince the PTPTN officer that your friend is not in the position to repay the loan(which is, she must've not been in employment till today, which I doubt since she can go Phuket)

And don't complain about her bf never get blacklisted, just because you rob a bank and your accomplice didn't get caught, doesn't make you innocent
*
+99999
she still got face want appeal mehh... later they ask her take photo and scan thumbprint.. lagi worst.. sendiri go hellgate

QUOTE(Klesk @ Apr 28 2009, 11:48 AM)
heard from my fren, PTPTN's database crashed before and they lost thousands of records, hence why some ppl are being blacklisted/asked to pay back while some remain scot-free...
*
really!!! wat kind of records? but i still get letter from them, means my record not deleted ah?

QUOTE(IP_MAN @ Apr 28 2009, 12:24 PM)
LU INGAT DUIT PTPTN DARI KOCEK KERAJAAN SENDIRI ??? our tax money ar !!!
u pay montly RM50 also they dont mind la.."janji ada bayar"
frend got take ... he salary kaw but pay RM 50 oni per month ..
he say "JANJI ADA BAYAR"
*
u are right.. I paid RM1 only... and i got this
» Click to show Spoiler - click again to hide... «

dokidoki
post Apr 28 2009, 02:21 PM

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QUOTE(Hexism @ Apr 28 2009, 02:20 PM)
I thought PTPTN after kerja only need to start paying ?
*
no..unless u special apply else is when u graduate then u need to start pay edi...normally grace period before u start to pay is after graduate, they give u 6 months time to start pay back...else u will kena the lawyer letter...
SUSsacai_nownet
post Apr 28 2009, 02:23 PM

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same wif those whom owe CC ....-rm 30K u can be sued to bankrupt
harrychoo
post Apr 28 2009, 02:25 PM

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QUOTE(pirateguy @ Apr 28 2009, 02:07 PM)
I paid my PTPTN on monthly basis (sometime 2-3 months apart but in RM 1000), so far no problem getting across borders.

This month will be my last payment (left only RM 400!).  icon_rolleyes.gif
*
after finish pay, they will give u back the agreement?
Disciple
post Apr 28 2009, 02:35 PM

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its not good to borrow and not pay back. the rate is reasonable, pay it up
pirateguy
post Apr 28 2009, 03:23 PM

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QUOTE(harrychoo @ Apr 28 2009, 02:25 PM)
after finish pay, they will give u back the agreement?
*
What agreement?
SUSgogo2
post Apr 28 2009, 03:25 PM

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thanks guys. I think my fren will pay a bit and see if her name is out of blacklist... erm erm.
bobohead1988
post Apr 28 2009, 03:30 PM

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QUOTE(gogo2 @ Apr 28 2009, 03:25 PM)
thanks guys. I think my fren will pay a bit and see if her name is out of blacklist... erm erm.
*
Malaysian mentality

Bilah susah baru nak buat
Buat sikit sudah takda masalah balik berparti
SUSb3rnard7
post Apr 28 2009, 04:21 PM

kanpeki na CHEONGSTER yo!
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Well,TS....ur fren currently work for how long d? Summore he/she is a master rite?

Can pay 1 shot lar! Master's salary very high 1 wor
mailboxaie
post Apr 28 2009, 04:35 PM

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I'm paying RM100/month for 2 PTPTN loans, minus 4% interest, is RM60/month.....

haih when to finish... cry.gif
V12Kompressor
post Apr 28 2009, 04:41 PM

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pay more now, then will finish faster...
huakenny
post Apr 28 2009, 04:52 PM

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so syiok got PTPTN loan..how to apply?

saw at pages2, rm22-25k loan..instalment is 180months...siao rclxub.gif
titarium
post Apr 28 2009, 04:53 PM

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get personel loan .... settle it .

wan kang tau let me know
SUSgogo2
post Apr 28 2009, 04:59 PM

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Dun wanna settle coz interest rate for PTPTN is so low I think. tongue.gif
xavi5567
post Apr 28 2009, 05:02 PM

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low ur head ah.. still 3% ok each month ok..from ur last balance..
since ur friend has defer for how many year u count la how much she hutang liao.. i think more than 30k d lor now..

arcule
post Apr 28 2009, 05:12 PM

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QUOTE(hako @ Apr 28 2009, 10:26 AM)
ur fren wat race?
*
QUOTE(gogo2 @ Apr 28 2009, 10:27 AM)
she's not racing today
*
haha,best qoute of the day,u guys should have it rclxms.gif
etsng
post Apr 28 2009, 05:20 PM

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QUOTE(-Katrina- @ Apr 28 2009, 10:45 AM)
next time pls dun get ptpn if u afford
*
just like telling the world your mother is a woman
what c**k u tok here
of course if ppl can afford dun take loan (any loan including ah long loan)
take loan then must pay back
the only loan u no need to pay back is from MBf (Mak Bapak Finance)
looks like u belong here
etsng
post Apr 28 2009, 05:22 PM

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QUOTE(arcule @ Apr 28 2009, 05:12 PM)
haha,best qoute of the day,u guys should have it  rclxms.gif
*
rclxms.gif rclxms.gif rclxms.gif

if anyone wan race, go to sepang f1, k?
race or no race, owe money still must pay
ah long cut ppl no look at race doh.gif
rangeseven
post Apr 28 2009, 05:31 PM

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Borrow money dun want to pay, lol typical Malaysian.

At least the government didn't rough your friend up
prasys
post Apr 28 2009, 05:36 PM

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The government being soo nice , offered her a loan and she doesn't' want to repay it back. Serves he right. That's Malaysian. At the end , younger generations would have to suffer because of the actions by folks such as TS' friend !

Be thankful to the government for giving you monetary support to go on with your life (i mean your education)
779364
post Apr 28 2009, 05:58 PM

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QUOTE(prasys @ Apr 28 2009, 05:36 PM)
The government being soo nice , offered her a loan and she doesn't' want to repay it back. Serves he right. That's Malaysian. At the end , younger generations would have to suffer because of the actions by folks such as TS' friend !

Be thankful to the government for giving you monetary support to go on with your life (i mean your education)
*
The mod has spoken.

Can lay the thread to rest naw
siksa
post Apr 28 2009, 06:21 PM

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Bayar Tak Masuk Penjara
Tak Bayar Masuk Penjara

Dah Kerja Boleh Bayar Ansuran Kenapa Tak Nak Bayar? doh.gif
pokeat
post Apr 28 2009, 06:44 PM

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How bout if relate to parents ?
For example yr parents didnt clear certain amount from bank and get blacklisted ? Will the guy(son) get blacklist from Ptptn too ?
Zaryl
post Apr 28 2009, 06:48 PM

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The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already! mad.gif

Just my 2 cents! smile.gif
harrychoo
post Apr 28 2009, 06:50 PM

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QUOTE(Zaryl @ Apr 28 2009, 06:48 PM)
The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already!  mad.gif

Just my 2 cents! smile.gif
*
then can u borrow me 20k? I pay u back 20k with no interest in 20 yrs installment thumbup.gif
SUSgogo2
post Apr 28 2009, 06:54 PM

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QUOTE(Zaryl @ Apr 28 2009, 06:48 PM)
The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already!  mad.gif

Just my 2 cents! smile.gif
*
PAS dun charge interest. But in Islamic banking, there'll be agreed return to the lender. Which is something
like interest also.

QUOTE(harrychoo @ Apr 28 2009, 06:50 PM)
then can u borrow me 20k? I pay u back 20k with no interest in 20 yrs installment  thumbup.gif
*
I also wanna borrow. haha
WillHung
post Apr 28 2009, 06:59 PM

really meh?
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QUOTE(chezzball @ Apr 28 2009, 02:20 PM)
wahh.. then her bf proceed to phuket alone ahh... he mah cannot enjoice with the gf dy loh? oh wait... it's phuket.. can find part-timers *ahem*
gomen is serious business. faster bring her into here and we want shoot more kaw. no solution.. the oni way is = sell her **** to raise the money
ntah... dah study tinggi sampai master tapi tak pakai kepala otak... buat ape nak stardee tinggi tinggi kan.. adik aku yg umur 6 pon tau akibat hutang duit orang
+99999 
she still got face want appeal mehh... later they ask her take photo and scan thumbprint.. lagi worst.. sendiri go hellgate
really!!! wat kind of records? but i still get letter from them, means my record not deleted ah?
u are right.. I paid RM1 only... and i got this
» Click to show Spoiler - click again to hide... «

*
you pay only RM1 of your loan and still have the cheek to lecture her? hilarious.
man
post Apr 28 2009, 07:03 PM

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QUOTE(Zaryl @ Apr 28 2009, 06:48 PM)
The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already!  mad.gif

Just my 2 cents! smile.gif
*
» Click to show Spoiler - click again to hide... «
bonedragon
post Apr 28 2009, 07:08 PM

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Of course need interest rate la, yout hink money grow on tree ah? Not to mention inflation. I borrow 20k from you now, in 100 years i pay you back 20k ok? Maybe at that time can't even buy one plate of chicken rice.
V12Kompressor
post Apr 28 2009, 07:10 PM

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QUOTE(man @ Apr 28 2009, 07:03 PM)
» Click to show Spoiler - click again to hide... «



» Click to show Spoiler - click again to hide... «


This post has been edited by V12Kompressor: Apr 28 2009, 07:10 PM
Zaryl
post Apr 28 2009, 07:48 PM

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I also pay some lah. But the interest rate is what makes me kinda hesitate to pay, seeing that every month that i pay only to remove the interest, whereas the actual balance doesnt move at all. F**K lah like this. mad.gif

Oh well.. PTPTN oh PTPTN.. rclxub.gif


ALIAS.JG
post Apr 28 2009, 07:51 PM

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What magical fantasy world is this where we borrow money but don't have to pay back.
V12Kompressor
post Apr 28 2009, 07:54 PM

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bolehland wad
WillHung
post Apr 28 2009, 07:54 PM

really meh?
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QUOTE(Zaryl @ Apr 28 2009, 07:48 PM)
I also pay some lah. But the interest rate is what makes me kinda hesitate to pay, seeing that every month that i pay only to remove the interest, whereas the actual balance doesnt move at all. F**K lah like this.  mad.gif

Oh well.. PTPTN oh PTPTN..  rclxub.gif
*
how much do you make and how much is yor monthly payment
kamikazwe
post Apr 28 2009, 07:57 PM

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lolx....i have got surat lawyer lg...must start paying now..huhuhu...sad liao
SUSHidan
post Apr 28 2009, 07:57 PM

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Eh but u sure or not that she is only oweing PTPTN? Got any other loans she defaulted? Don't scare all of us borrowers ler.
Zaryl
post Apr 28 2009, 07:58 PM

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RM2000.
Monthly need to pay RM500.
The interest generated each month is RM200.
Need to pay for 20 years.

Now, talk about paying the bills, supporting parents, car loan, house loan, etc.. rclxub.gif

Maybe paying RM50 per month not such a bad idea?
V12Kompressor
post Apr 28 2009, 08:01 PM

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QUOTE(Zaryl @ Apr 28 2009, 07:58 PM)
RM2000.
Monthly need to pay RM500.
The interest generated each month is RM200.
Need to pay for 20 years.

Now, talk about paying the bills, supporting parents, car loan, house loan, etc..  rclxub.gif

Maybe paying RM50 per month not such a bad idea?
*
u paying rm50 per month or rm500 per month?
and whts ur principal amount?
WillHung
post Apr 28 2009, 08:02 PM

really meh?
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thats a shitload. which uni did you go.
zeist
post Apr 28 2009, 08:03 PM

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No wonder they keep on kasi naik petrol, tol and whatever shit they can.

INI SEMUA PASAL ITU OLANG TAK MAU BAYAR BALIK ITU LOAN YANG SUDAH DIPINJAMKAN BEBERAPA TAHUN LALU. Ppptttuiii sama lu orang.
SUSgogo2
post Apr 28 2009, 08:08 PM

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QUOTE(Hidan @ Apr 28 2009, 07:57 PM)
Eh but u sure or not that she is only oweing PTPTN? Got any other loans she defaulted? Don't scare all of us borrowers ler.
*
No la. Bro. Only PTPTN. By the way, you go and google. A lot of people also kena this. Not her only. Dun laugh man. This is
serious. Destroy holiday plan man.
Zaryl
post Apr 28 2009, 08:09 PM

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The bloody Money Making University MMU , di mana lebih 90% graduannya telah mendapat kerja setelah tamat pengajian. icon_rolleyes.gif
RM85k for full loan.
Now I'm doomed!

Should have taken that UTM course... now it's too late already. cry.gif

PS - What happened to that Gauth Jasmon already? Last time he was the MAN during my time. Now no more leh?
V12Kompressor
post Apr 28 2009, 08:11 PM

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85k... O.O

Wah lao eeh...

354.41/month in principal alone.. sleep.gif

This post has been edited by V12Kompressor: Apr 28 2009, 08:12 PM
wufei
post Apr 28 2009, 08:13 PM

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Honda honda..........all but a dream....

If i am the ministry of education / kewangan (najib) I blacklist all of u (loan defaulter). Make sure your cucu cicit no education loan

This post has been edited by wufei: Apr 28 2009, 08:13 PM
Zaryl
post Apr 28 2009, 08:14 PM

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I swear, if i won a Million ringgit in a competition, the VERY FIRST THING i would do is to clear off my PTPTN debt. This is my promise! icon_idea.gif


wufei
post Apr 28 2009, 08:15 PM

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Somemore for those pretend to pay sikit sikit and not according to instalment plan, should whack them with higher interest.

Then we will see more mat rempit less money buy bikes, mod bikes


toothgnasher
post Apr 28 2009, 08:17 PM

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QUOTE(Zaryl @ Apr 28 2009, 06:48 PM)
The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already!  mad.gif

Just my 2 cents! smile.gif
*
The govt have be SO NICE to you that they allowed you to convert the PTPTN loan to scholarship IF you get 1ST CLASS HONOURS?

Did govt give you a hard time and bargain with you how much should you be given every semester? I see those who apply for PTPTN get their money faster than any other scholarship.

Interest rate 3% is nothing. go graduate and work! Cannot find work, create work for other ppl! No use complaining if you didn't score 1st Class in the first place.
wufei
post Apr 28 2009, 08:22 PM

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QUOTE(toothgnasher @ Apr 28 2009, 08:17 PM)
The govt have be SO NICE to you that they allowed you to convert the PTPTN loan to scholarship IF you get 1ST CLASS HONOURS?

Did govt give you a hard time and bargain with you how much should you be given every semester? I see those who apply for PTPTN get their money faster than any other scholarship.

Interest rate 3% is nothing. go graduate and work! Cannot find work, create work for other ppl! No use complaining if you didn't score 1st Class in the first place.
*
I like that phrase. They are already create lots of work. Need to inform imigresen to blaclist of leaving the country.
More paperwork
More administration
Need to stanby more officer in case they rebel

This post has been edited by wufei: Apr 28 2009, 08:22 PM
cyrixMII300
post Apr 28 2009, 08:25 PM

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the easiest way to get out of the problem is to pay the loan amount. if you go directly to speak to them, they will allow you to make some nominal amount and update your contact info including address and employer details before removing the blacklist.
SUSgogo2
post Apr 28 2009, 08:29 PM

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QUOTE(cyrixMII300 @ Apr 28 2009, 08:25 PM)
the easiest way to get out of the problem is to pay the loan amount. if you go directly to speak to them, they will allow you to make some nominal amount and update your contact info including address and employer details before removing the blacklist.
*
My fren think that this might work. She gonna pay some nominal amount and update contact info tommorow.
She hope to remove from the blacklist and go Phuket two months later.
cyrixMII300
post Apr 28 2009, 08:31 PM

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QUOTE(gogo2 @ Apr 28 2009, 08:29 PM)
My fren think that this might work. She gonna pay some nominal amount and update contact info tommorow.
She hope to remove from the blacklist and go Phuket two months later.
*
but please pay back the money anyway... be honorable alright. some other kid needs the money to study. and we are paying taxes not to have ppl study free with them without paying back.

SUSHidan
post Apr 28 2009, 08:48 PM

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I think PTPTN will see a sudden rise in payments in the coming days. Sigh, cost of living already high, now feels like a letupan C4.
harrychoo
post Apr 28 2009, 08:49 PM

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QUOTE(Zaryl @ Apr 28 2009, 08:09 PM)
The bloody Money Making University MMU , di mana lebih 90% graduannya telah mendapat kerja setelah tamat pengajian.  icon_rolleyes.gif
RM85k for full loan.
Now I'm doomed!

Should have taken that UTM course... now it's too late already.  cry.gif

PS - What happened to that Gauth Jasmon already? Last time he was the MAN during my time. Now no more leh?
*
Not to flame u or wat but pls get real.

3% is consider very low and competitive for loan, or u wanna try to borrow from bank?

1% interest that they promise is extra bonus for me.

Why not u think before commit? I got the chance to borrow as much as u too when UNITEN accepted me but after i think about that scary amount, i refuse and go for cheaper college instead.
Now i graduate faster, loan lesser amount and getting similar pay as my peers.

This post has been edited by harrychoo: Apr 28 2009, 08:50 PM
SUSHidan
post Apr 28 2009, 09:02 PM

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Guess all fun and games is over when there is a change of head. Less money to go around the country now.
kevinlim001
post Apr 28 2009, 09:09 PM

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QUOTE(LEVIATHAN @ Apr 28 2009, 10:57 AM)
Tolong bayar cepat sikit. Kang mati siapa nak bayar? Bukan ke menyusahkan orang lain namanya tu?
*
dah mati tak payah bayar.. when u borrow your ptptn is stated already that's y u no need any guarantor. Every payment from PTPTN will be deducted with insurance and tuition fee before it reaches ur hand
pirateguy
post Apr 28 2009, 11:08 PM

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QUOTE(Zaryl @ Apr 28 2009, 06:48 PM)
The government can be nice IF

they remove the damn interest rate 3%. It's not fair & i just want to pay back whatever I have borrowed.
This interest rate is riba'. Riba' in Islam is HARAM & I'd say remove this interest rate once and for all! I still remember last time one of the PAS manifesto if they win the PRU 12, they would do away with the interest rate. How I wish PAS would win! hahaaha!

Fair right? You pay for what you borrow. The extra bunga/interest is out of the question here.

I'm still following up with PTPTN on the reduction of the interest rate to 1.5%...but they all kept telling me: "Maaf encik. Kami masih dalam proses mengemaskini data2 peminjam. Ada di antara mereka yg telah bertukar alamat rumah". They kept telling me this bullshit many times already!  mad.gif

Just my 2 cents! smile.gif
*
Interest rate lah...RIBA lah..haram lah..PAS lah...PRU 12 lah...house address lah..

Honestly, all I see are lame excuses. shakehead.gif

You can't man up and just paid what you agreed to borrow.
V12Kompressor
post Apr 28 2009, 11:11 PM

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Some came out, earning 2k plus... but str8 go take bank loan for house and car. doh.gif
Username is username
post Apr 28 2009, 11:15 PM

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pinjam sama along sure u can go to phuket..
uNeVErwaLkaloNe
post Apr 28 2009, 11:22 PM

God Sniffing!!!
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QUOTE(gogo2 @ Apr 28 2009, 08:29 PM)
My fren think that this might work. She gonna pay some nominal amount and update contact info tommorow.
She hope to remove from the blacklist and go Phuket two months later.
*
i hope she learn her lesson and start paying now...not pay 1st time, blacklist off, stop pay again

honestly, i hope all defaulter to be blacklisted until the loan is payoff...that should teach them a lesson, u repay what u borrow
arafat
post Apr 28 2009, 11:27 PM

ROCK ON!
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maybe she never paid at all and her friend paid once
gerogelow88
post Apr 28 2009, 11:31 PM

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You guys are freaking lucky, i want to get ptpn load also cannot be aprove due to paper work not done by a new course from murdoch AUS uni by the goverment..

I will be happy and praise God to pay the 1.5% better then getting student bank loan with high percentage like 4.8% from bank pertanian.. If you complaine about the percentage, why do you want to borrow in the first place? Borrow already then simply boycott.

This post has been edited by gerogelow88: May 15 2009, 09:42 AM
ryan man
post Apr 28 2009, 11:44 PM

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When u borrowed, u pay. This shows that u are in "high class society"...
When u borrowed, u refused to pay. This shows that u are a retard..

Some kind of "congan kata" from along... tongue.gif
turtles_inc
post Apr 28 2009, 11:49 PM

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borrow money dont wanna pay back..

lucky those ptptn buggers dont go around splashing red paint..
frequency
post Apr 28 2009, 11:51 PM

我要挑战十个!
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ada bayar boleh keluar...

waiting salary in to bayar...sad.gif
whoopa
post Apr 28 2009, 11:51 PM

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borrow money dunno how to pay back ah ??? lol ...
Underhill
post May 13 2009, 11:59 PM

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==============

This post has been edited by Underhill: Feb 19 2010, 03:12 PM
azrene
post Sep 9 2009, 01:48 PM

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yeah..those yang konon2 berlagak..marah2 people who doesnt pay yet..just wait for ur time je la..hehhehe
iXora.ix
post Sep 9 2009, 01:55 PM

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like old ppl said last time " dah pandai pinjam.. BAYARLAH "
ttint
post Sep 29 2009, 02:39 PM

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They wanted me to pay all the debts before i can go oversea. Even I try to negotiate with them paying back by installment but they said I can pay back by installment but the blacklist will be there until i settle my full amount.
SUSHidan
post Sep 29 2009, 02:43 PM

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Last time Pak Lah's time so nice. No pay also can go overseas. Now? sigh.....
POYOZER
post Sep 29 2009, 03:59 PM

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QUOTE(b3rnard7 @ Apr 28 2009, 04:21 PM)
Well,TS....ur fren currently work for how long d? Summore he/she is a master rite?

Can pay 1 shot lar! Master's salary very high 1 wor
*
I think after grad she straight away bought an imported car. That’s why she got no money to pay back the PTPTN.

brows.gif
rourou
post Sep 29 2009, 04:03 PM

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borrow liao of course have to pay back lar... never pay back but want to go holiday lagi.. padan muka shakehead.gif

actually if you pay once in a while and don't drag too long they wouldn't blacklist you also...
spursfan
post Sep 29 2009, 04:08 PM

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lolz ... lucky i got scholarship from jpa
gestapo
post Sep 29 2009, 04:10 PM

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http://eform.ptptn.gov.my:8080/blacklist/login.cfm
noobfc
post Sep 29 2009, 04:32 PM

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I want to apply PTPTN next year hope kena.....at least better than borrow from bank...

Borrow liao must pay..this is basic principle
SUSgogo2
post Sep 29 2009, 04:36 PM

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QUOTE(ttint @ Sep 29 2009, 02:39 PM)
They wanted me to pay all the debts before i can go oversea. Even I try to negotiate with them paying back by installment but they said I can pay back by installment but the blacklist will be there until i settle my full amount.
*
My friend pay all debts and name got cleared after pay in full. She don't want to waste time dealing with them since
we urgently need to go overseas.
wilson88
post Sep 29 2009, 04:38 PM

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QUOTE(gogo2 @ Apr 28 2009, 10:22 AM)
she actually graduated in 2001. Delayed paying to 2004 because of studying master I think... erm...
*
That is not a good reason at all. She should have apply for the defer on paying back the loan shakehead.gif

I bet she did not pay a single cent after 2004 shakehead.gif
SUSbalthauser
post Oct 1 2009, 11:19 PM

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QUOTE(gogo2 @ Sep 29 2009, 04:36 PM)
She don't want to waste time dealing with them since we urgently need to go overseas.
*

Lucky for that bit-ch when she was applying for PTPTN, the officer doesn't go with "We don't want to waste time dealing with idiots since we have a lot more people deserving this money"
POYOZER
post Oct 1 2009, 11:27 PM

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QUOTE(balthauser @ Oct 1 2009, 11:19 PM)
Lucky for that bit-ch when she was applying for PTPTN, the officer doesn't go with "We don't want to waste time dealing with idiots since we have a lot more people deserving this money"
*
+1 blush.gif
StraxorX
post Oct 2 2009, 01:08 AM

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cannot pay full? ah long is right for you.
SUSjin_manusia
post Oct 2 2009, 01:25 AM

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thanks god now they using IJARAH system.

1% only
snipersnake
post Jan 9 2010, 09:48 AM

typical abah
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laugh.gif
hillarious.

1. where does PTPTN get the money to lend to people? = TAX

2. in the agreement, does it even MENTION the word 'imigresen' or immigration?

NO

Unless you are bankrupt and dont pay your taxes, the government cant actually stop you form going overseas. What PTPTN is doing is ILLEGAL, I am surprised why nobody fight them in court. the initial agreement was the borrower WILL face an action from law is she/he doesnt pay pay up. and by law means, you will have to be tried first in court. did you frend receive any letter from high court passing the judgement she cant travel?

know your rights people. najib loves sheeps like you.
liez
post Jan 9 2010, 09:55 AM

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PInjam wang rakyat take pulang... tarok masuk ISA ajer le
hizperion
post Jan 9 2010, 10:01 AM

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amende yg illegal nya
pinjam tak bayar kena la tindakan
snipersnake
post Jan 9 2010, 10:09 AM

typical abah
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read the contract and know your legal procedures.
vapeace
post Jan 9 2010, 10:12 AM

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dont care... coz jpa sponsor me laugh.gif
herojack41
post Jan 9 2010, 10:14 AM

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QUOTE(snipersnake @ Jan 9 2010, 09:48 AM)
laugh.gif
hillarious.

1. where does PTPTN get the money to lend to people? = TAX

2. in the agreement, does it even MENTION the word 'imigresen' or immigration?

NO

Unless you are bankrupt and dont pay your taxes, the government cant actually stop you form going overseas. What PTPTN is doing is ILLEGAL, I am surprised why nobody fight them in court. the initial agreement was the borrower WILL face an action from law is she/he doesnt pay pay up. and by law means, you will have to be tried first in court. did you frend receive any letter from high court passing the judgement she cant travel?

know your rights people. najib loves sheeps like you.
*
doh.gif doh.gif why u dig this tered doh.gif

easy way......no nid pinjam
frequency
post Jan 9 2010, 10:31 AM

我要挑战十个!
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It is kind of weird, that happens among my batch.
For those who bayar randomly received warning letter that they shall clear off all the tunggakan otherwise they ll be banned to keluar daripada negara

However, for those who never pay any single cent since graduate, do not receive any warning letter.....
snipersnake
post Jan 9 2010, 10:46 AM

typical abah
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QUOTE(frequency @ Jan 9 2010, 10:31 AM)
It is kind of weird, that happens among my batch.
For those who bayar randomly received warning letter that they shall clear off all the tunggakan otherwise they ll be banned to keluar daripada negara

However, for those who never pay any single cent since graduate, do not receive any warning letter.....
*
exactly.

the law is just.

those are classic cases from ptptu.

most of us here pay our taxes, contributes to epf. if ptptu really wants the money, why not make it a compulsary salary deduction in the first place doh.gif why ya?

BECAUSE OF THE CONTRACT WRITTEN IS TOO FLUID.
shaff
post Jan 9 2010, 10:51 AM

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they can change the contract anytime they want dude...as long u guys pay the payment, why so kecoh ? dont want to pay, dont borrow at first place !
snipersnake
post Jan 9 2010, 10:52 AM

typical abah
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when beng hock died, everybody kecoh. why not this? this is a daylight robbery. and contracts can be changed? laugh.gif
lara_
post Jan 9 2010, 11:52 AM

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Which part is the robbery? You borrowed the money, you need to pay.

Later if ptptn take the case to court, somebody hmm.gif will say waste resources, waste court time and tax payer money too.
owikh84
post Jan 9 2010, 12:31 PM

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wait until admin fee reduced to 0%
sengko
post Jan 25 2010, 08:34 PM

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this may help..

http://steveooi.com/ptptn-loan-how-to-get-...-the-black-list
debbierowe
post Mar 2 2010, 01:16 PM

so fast 6 stars di...
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real? so far no rigid news report on blocks
ykc
post Mar 2 2010, 01:20 PM

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yeah, my fren told me he was blocked by airport kastam bcoz he didnt pay a single cent for the PTPTN loan.
RaubianGeek
post Mar 2 2010, 03:30 PM

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You take out a loan, you pay back. No free lunch, people. Besides, the longer you wait (buy car, buy house, go vacation, this and that) the more your loan will earn interest. If you think it looks like a brick around your neck now, wait till you see it five, ten years from now. A friend of mine did a few calculations, then straight decided to pay back everything in two years instead.
SUSinsightone
post Mar 2 2010, 04:27 PM

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Tu la... masuk kolej mahal-mahal... nak bayar terseksa rclxms.gif rclxms.gif
debbierowe
post Mar 2 2010, 04:29 PM

so fast 6 stars di...
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study hard get CGPA 3.75 above then can waive
highwind
post Mar 5 2011, 09:02 PM

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If you are interested to get your name removed from PTPTN blacklist, follow the blog post below:

http://jokingcorner.blogspot.com/2011/03/h...-blacklist.html
SUSFall guy
post Mar 5 2011, 09:14 PM

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QUOTE(snipersnake @ Jan 8 2010, 08:48 PM)
laugh.gif
hillarious.

1. where does PTPTN get the money to lend to people? = TAX

2. in the agreement, does it even MENTION the word 'imigresen' or immigration?

NO

Unless you are bankrupt and dont pay your taxes, the government cant actually stop you form going overseas. What PTPTN is doing is ILLEGAL, I am surprised why nobody fight them in court. the initial agreement was the borrower WILL face an action from law is she/he doesnt pay pay up. and by law means, you will have to be tried first in court. did you frend receive any letter from high court passing the judgement she cant travel?

know your rights people. najib loves sheeps like you.
*
Yeah I hope someone sues back PTPTN for this. Since when did barring ppl overseas came into the picture? Not in agreement also.

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