Hi folks, i am in need of some guidance...

Recently my husband and i apply joint loan to buy a house, suddenly is denied because my name is under special attention at ccris...

It shocked me as to my knowledge i only have ptptn loan, and i have been paying eventho not regularly.

Turns out my mother (crazy drama, long story), used my name to joint account and buy house in 2003... When i was only 18. She forfitted the house a few years later, but never attempted to settle off with the banks.

Now check with ocbc, they say i owe the rm158k, if want to settle off can give discount, so i pay 66k only. What am i to do?

I cant get loan from banks because of my ccris, and ocbc said, it is not the banks problem. They only want the money.



Any advice?