Under our Banking rules, you're a NPL if you missed payments for 3-mths or more. So, i used to tell my friends, the key is 3-months. So skip 2 payments, make 1-payment if you have to but don't miss 3 or more consecutive months.

This is only for your Credit Card right? Have u tried using the said Credit Card? What about your other Loan obligations, have you paid duly.

You have a few immediate options:

First Option

Call your CC that you are owing and speak to a appropriate senior person in charge to find out what is the current status of your debt. Have their outsourced it, taken legal action.

This is your most viable option as AKPK does not accept cases which has reached Legal Action. Even if your case has reached Legal Action, go to the Bank Branch and speak to the Manager. Show proof that your Dad was sick and hence, the cause of your temporary financial troubles.

If the Banks refuses to withdraw Legal Action and let you pay in instalments, go and see MCA, Malay Mail. You can still try to appeal to AKPK for help.

Second Option

Go to AKPK and tell them your financial predicament. They will ask you if it has reached Legal Action to which you can tell the truth that u have no idea. You can share the story of the Court Official with them and see what they say.

I don't recommend calling the Puan K as I think its a scam. She is probably working for the Collection Agency, etc.

Good luck Son.

This post has been edited by cfa28: Jan 8 2014, 02:35 PM

Thank you

I just received call from 03-23837222. He claimed he called from Citibank and offer premium something with RM0.69 for every RM100 credit card usage. Something like coverage or protection for my cards amount if something happen to me.

Anyone know?

It is Citibank product known as CREDIT SHIELD PREMIER: http://www.citibank.com.my/english/insuran...eld-premier.htm

Replied you in the Citibank tread. For the benefit of the rest, this call is to sell 'Credit Shield' which is a form of Insurance that will pay your CC Outstanding including those that you swipe up to Statement Date for a price. its not a suspicious call per say, just remember that it will cost you money and it will be effective until you call to cancel and even if u have no Outstanding, a premium is still chargeable for the sums that u swipe up to Statement Date.

Just got called by "Medic Lifestyle Card". Don't have office number, tried to con me said that they have website, etc. But didn't manage to expose him before giving him my house address and car plate number. Can they do anything with those details?

This post has been edited by tonYe: Feb 4 2014, 03:58 PM

Why would they ask for your car plate no? fishy

Their excuse is to help me register the free car toll thingy. Although I thought it's no harm, I gave them the terbalik number but since they have my house address now, they can easily come and check.

Anyway, the issue is, can they do anything with my non-full name, contact no., house address and car plate number?

since you did not reveal any CC details, then it is still okay

okay... thanks. just feel extremely worried they can do something with my car number plate as well

Got a phone call yesterday from this number. 0320551000 but didn't pick up. Then another call 0320551500 and i picked up. A lady introduced herself from Allianz and gave me a winded explanation about some insurance whereby i have to pay rm47 per month. I was a bit blur at that time so i simply entertained her. But i came to my senses when she said she was doing a 'pendaftaran melalui telefon' and asked for my detail. I accidentally gave away my ic number and when she asked for my card number i pretended to search for the card and ended the call. After that i put my phone in flight mode and then i received 7 missed calls from that number and also a few missed calls from this number as well 0327249600. I dunno if it is a scam or whatever but it seems fishy. Kinda felt stupid for giving awau my ic though *sighhh*

Just received a call from AIA Berhad (for the Air Asia free 30days Insurance). Accidently gave my IC and DOB + Address. and then he want to proceed with "Pendaftaran over the Phone" - which I quickly end the conversation. Am I in trouble for giving away myKad number + DOB + House address??

Just received a call from 0376267000. Malay language.

Claiming to be from yellow pages / maxis. Not sure who they are, but definitely not from prudential.

Just to share on how to handle suspicious calls. Recently I got a call from a Bank to say that my CC had been compromised and they wanted to issue me with a new CC.

Our conversation went something like this:

CS - Can I do some verification
Me - Fine
CS - Can u give me your NRIC Number
Me - How can I be sure that you are really calling from XXX Bank. Can u give me my last 4-digits of my CC

CS - We cannot reveal customer data
Me - But there is no way I can be sure you are calling from XXX Bank. Can u give me one merchant that I have auto debit with
CS - We cannot reveal customer data.

Me - Then, I cannot reveal to you my NRIC Number
CS - But your card has been compromised. We have to block your card and issue you with a new card. Do u want your new Card.
Me -Yes of course, but BNM says don't reveal personal info over the phone to strangers

CS - okay, I will get the system to send you an SMS to call by the Helpline. Is that okay with you
Me - Yes

So, the CS puts down the phone and I get a sms immediately to call my Helpline and that my card has been compromised.

So, I call the Helpline and true enough, my card had been compromised and I was issued a new card.

So guys, remember, never reveal any personal info to strangers over the phone.


This post has been edited by cfa28: Feb 21 2014, 03:49 PM

Good tips. However, I wouldn't ask for the last 4-digits of CC as it is getting common. Best is not to continue with the conversation, just say you will contact the bank to check further.

This post has been edited by Human Nature: Feb 21 2014, 09:21 PM

yeah, as it appears on the CC Slip. That's why I also asked for my merchant auto-debit.

But yes, its best not to continue and call the Bank yourself / myself to verify.

Bro, what I would have done was tell the guy that since I cannot verify the source of the call, I'll call CS (number behind the card and not any other number).

recently got a RHB credit card, then starts getting calls from a malay lady (016-3364089) saying eligible for some free reward cards that will give u 30% discount on hotel stay etc, then asked for my address so that can send the card to me, then I say I don't feel comfortable telling my info, then she said ok nvm will call you again, then hung up.

errr... apa ni...

just ignore and dont provide any info

I got a funny call today, automated voice call from Ambank to approve or disapprove a large charge to a credit card. There was an option to talk to a representative but no rep answered the phone so I hung up.

I have never had an Ambank credit card in my life, might be time to call them up and check my credit report at Bank Negara. Suspicious about identity theft now...