Hi folks. I need some clarifications here.

Yesterday I received a call from a woman claiming to be an Etiqa staff. She asked me if I'm free to talk and started to promoted her Etiqa insurance. I just listened to her halfheartedly while doing my own work until she mentioned that Etiqa will deduct RM74 from account every month (although I never agreed to it). The dialogs were something like these,

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Woman: Ok, so now we'll be deducting RM74 from your account every month. Before that we'll need to ask a few questions.

Me: Eh wait, I never said I'm going to buy the insurance. I'm still studying and I'm already covered by another insurance.

Woman: Don't worry, it's only RM74 and your parents will surely agree to it. And let say in the case your parents had an accident, will you be able to pay for it?

Me: Can I think about it later and if I'm interested, I'll just call you or go to any Maybank branch?

Woman: This is special because you are one of the few selected Maybank account holders and entitled for the special price. This offer is only available by phone conversation. The usual price is normally RM1++.

(Now it's becoming weirder)

Woman: And if you think RM74 is too high, you can also go for the RM44. You now have two choices, RM74 or RM44.

(And there's not even a choice to reject both..)

Me: Can I at least see the T&C or any black and white first?

Woman: Well, sir, the whole agreement is based on this phone conversation which will be recorded.

Me: I'm sorry, I can't make the decision now as I mentioned I'm still studying and I already have another insurance.

Woman: Ok then, we'll just have to remove you from the list and give others who needed it.

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Well, the question is, Is this some kind of a scam? Can they really make the agreement via phone call without our signature, etc? And let say, they still deduct from my account, can I take some legal action since there's no proof on my side either.


Well sorry for the tl;dr. Hope someone can share their thoughts here as well.


Btw, although I should just put down the phone, I choose not to. I thought, maybe I can just play along and not to be rude at the same time.

just ignore

it is valid...
this is call telemarketting...

i got it from public bank too... something similiar.. no b+w or details in website or smth... claims im the selected few bla bla bla... in the end i juz said im not interested..

They definitely will clapping among them selves if u said yes..

I had same thing with RHB 2 years ago. I agreed and they start deducting from my account and i was promised to received the policy by mail. After few months I did't received anything (no policy not even single letter).

I went to RHB klcc branch and explained to a customer rep. there, he called the RHB insurance and they acknowledge they deducting the premium amount from my account, they I ask when i will received my policy and other documents? They said they will mail it soon.


But till date I did't received anything. My advice is stay away frm this kind of things.

that's just explained the 6 misscalls from an unknown number in my phone today lol

I intended to ignore it as I already covered by another insurance. Why would I need another one. I was just amazed how persistent she was. I've met a lot of of these sales agents (from WWF, UNICEF, etc) but none were as forceful as this.

they earn 35% of your premium...
so u should know why they r so eager..

if u need to ask, u might as well buy it

Life's harder nowadays, so the effort became more scarier...

verbal agreement is accepted as a 'yes'.

there's also a grace period on when you can cancel it. =)

Another thing that concerns me, why should there be a different pricing for the one from the phone call and another by registering via bank branches or website (In this case, RM74 via phone call and RM1++ something for non-phone calls, as she claimed I was selected).

I can't see the reason why they need to have different pricing for the same thing.

this is what we call business tactic

If i got such call, i do a research first and reject the offer politely

rm74? haih..
mine only rm37.20

the same tactics by cimb aviva.

i received the same call last thursday on my back home. The whole conversation sounds more like forcing us to agree and sign the insurance policy. Never heard someone tried to sell insurance policy in a such way. When i rejected her by sayin that i need time to sit and think she said "we dont give anytime time to think and dont regret ar sir coz this would be your only chance to apply". duh.. like i care.. F-off la lady...

if they manage make a successful case from 100 calls pe day,there will be enough for their commissions.

ask them to send the term and condition and policy to ur mail before agree to purchase anything.. Black n white is a MUST...

if they dont give..is a scam..

No, its not a scam. Its their so called TELE-MARKETING

they hav join venture with Bank & CC company to get ur details, n they do their promotion based on ur details/background provided by the respective bank.

I've encounter numerous tele-marketing before be it Insurance, CC, trust fund, etc2.. But i juz turn them down, as for me., as long there's no black & white or T&C or rules&rulegations to be read/understand, I don't give them a single chance to take advantage on me.

i got that kind of call from ambank, mentioning about insurance also..saying now is the promotion time...i refused it by saying my father is number 22 richest in malaysia

even if it's not scam also.. not much benefit for you, benefit are Etiqa

all their scheme & plan or whatever "investment" are worse than keep ur money in FD

do they buy it?

add on with my current account balance can support whole her family for the next 7 generation, hang up the call with, anything send me a mail to this xxxx@xx.com and later on i will foward it to my fatha

then that ambank girl, siti hawa her name as she mentioned say ok ok

yes it's true...last time Etiqa do with CIMB customer..now with Maybank...just ignore it hahaha

I had the same call from Public Bank.. the best part is that the call came just a day after I opened an account there... it all sounds promising until they mentioned the monthly deduction part... then I reject... I have to admit they do sound convincing.. lucky also my hp battery died

lol i actually sign up the insurance @ rm30 monthly , receive the policy quite fast leh after i sign up. am using EON bank cc and they said the same thing like joint venture etc etc , they have all my detail when they verify with me.

At least they work hard to "cari makan".

Just make sure you doesn't provide any personal detail or pin code.. Then you are safe

seriously..i hate this part very much..
it become worse when they asked "why u dun wan join this one>"?

SUKA HATY MAK BAPAK AKU LA!!

the lady just call me yesterday, same also from maybank.. lucky in the end, i'm just say " maybe, saya tidak pasti dan perlu fikir semula tentang ini" . answer is NO.

she waiting for answer " YES " from your month. be careful.

Hm.. My friend told me he did received a call like this and unfortunately he did says yes or maybe something like that, because he doesn't know much about this thing.

Is there anyway to canceled this agreement/deal? the phone lady says this deal don't have a contract, which mean can be canceled right?

TS, it's valid... i also kena call by them and offered the same thing... i agreed and they deduct from my acc RM74 monthly... 2 weeks after the call, an Etiqa insurance policy mailed to my house with every details inside...

btw i juz canceled my subscription coz i've heard so many bad review about etiqa, both vehicle insurance and personal insurance... since i juz paid for 2 months only, it's better i quit b4 regret later with so many problem when i alrdy paid so much for it..

rugi RM148 for avoiding future prob...

ask ur fren to go to the nearest Maybank branch and tell the counter u wanna cancel the auto-credit from ur acc...

if alrdy got the policy, show them and ask them to cancel... if dun hav, they can check based on MyKad no. since Etiqa = Maybank...

OK..Noted. I will them him that. Thanks Bro

Just want to share my experrience. i took my PA through etiqa@mbb when 1 of tele-marketeers called me last time. But only I clarify, by asking them to send my few copy of brochure & T&C via fax. After read & go through only only i took it. Monthly payment through my mbb account. Policy I received after 3-4 weeks. Less hassle & I'm covered.

but...must be careful for scam also...

They want to earn 6 years bonus.

I have similar cases, but from public bank, promoting new PA. I check from public bank website, there's no such offer given. I chat with telemarketer till i say "NO"

RM74 for what type of insurance?

My PA insurance from Etiqa Takaful only Rm20/mth.....

damn after reading this i feel so regret ..
a lady from etiqa just call me about this insurance thingy and SHE NEVER STOPS TALKING!!

im busy with my work while listening to what she said and said they will deduct rm 30-somethiing monthly blablabla ... and they will send the document into my house and then i have to resend it back blablablab ..

can this be trusted ... ??
i wish to cancel it though ..
can i just go to maybank and can cancel it ??

Someone from 0323023900 called me yesterday, claiming to be CIMB Aviva telemarketing team. Found he was very irritating when keep asking me to buy their cheap RM42/month assurance plan even though I refused to . This kind of creature becomes very annoying to me, looks like he was very desperate. Very unstoppable conversation, keep repeating the same point & never understand human rights. What the f--king desperado!