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This post has been edited by CanieAnne: Dec 2 2011, 12:28 AM
Credit Card v16, Ask general questions here, Please read the 1st post before posting!
Credit Card v16, Ask general questions here, Please read the 1st post before posting!
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Nov 30 2011, 02:33 PM
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#1
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Junior Member
8 posts Joined: Dec 2008 From: Selangor |
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This post has been edited by CanieAnne: Dec 2 2011, 12:28 AM |
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Nov 30 2011, 02:49 PM
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#2
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8 posts Joined: Dec 2008 From: Selangor |
No, they din mentioned that night when their guy called to verify this transaction. THe next day I called to get the statement or anything to show all the unauthorised transactions that happened coz police asked me to go to Klang HQ police station to make a further statement as credit card unauthorised transactions had taken place. This bank cant even provide anything even after I told them the reason I need it. They didnt even know how much amount for each of the petrol purchase.
This post has been edited by CanieAnne: Dec 1 2011, 07:37 AM |
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Nov 30 2011, 04:08 PM
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#3
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8 posts Joined: Dec 2008 From: Selangor |
QUOTE(hye @ Nov 30 2011, 03:39 PM) I read and have a deep thought over this case and here's my opinion ... Thanks for ur opinion. But the max RM250 liability was used in Diana Chee's case which was only discovered the next day. 1. Everyone who receives a credit card from any bank. The welcome booklet will state that please be conscious of where your credit card is. The moment you think your card is lost / missing, the bank need to be called immediately to allow for the card block to be executed. In this case, there's an evident of negligence because the writer did not realize purse was stolen. OK, mistakes sometimes happen but the writer need to ask the bank to block the card when the fraud was informed and not "What to do now ?". Also note ... in many of the welcome pack ... bank will mention to immediately notify or within 2 hours of the incident occurrence. 2. If i'm not mistaken the max RM250 liability applies when a credit card fraud cases. It may not be applicable in this case as there's signs of negligence. 3. The ruling was passed by the court (not FMB) after years of it being called to court. If you want to fight it out then you need to be prepared for a very long fight and it may not go your way if the bank manage to prove that there was a negligence on your part. Additional implications ... the RM6k may be recorded as unpaid debt in your CCRIS and if you attempt to obtain new loans of any form, new credit card or sometimes open a new bank account. This unpaid debt remark will appear in the system and banks may reject your application. 4. More importantly, OCBC sensing that this case will be challenged by the customer will response defensively towards you in the event the case goes to court. This is to prevent them from "tainting" the case under investigation. You need to build your own case in preparation as well. Seek someone who have legal training to advise you (how to build your case and gather evidence) and not just "friends" who will give you unreliable advise which may work against you in court. Examples of unreliable advice at this juncture "Some frens told me these type of case will drag for years but just dont pay them anything." - Did they advise of the repercussions / side effect of this decision to you ? Above is a personal opinion thus others may give a different opinion. Added on November 30, 2011, 3:42 pm Likely the petrol transaction is still under float status. The actual amount will be known once the respective petrol station submit their claims. You will definitely see the actual amount in your current statement. Yes, they had immediately block the card at that point of time n this was 2 mths ago. I'm trying to find some1 who is familiar in this area but still unable to. |
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Nov 30 2011, 05:04 PM
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8 posts Joined: Dec 2008 From: Selangor |
Can't get Diana Chee's contact. Also how much will lawyer cost ?
At this point, the case should go to FMB. Yes, maybe I should email this law firm n seek for opinion 1st. |
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Nov 30 2011, 09:42 PM
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This post has been edited by CanieAnne: Dec 3 2011, 09:04 AM |
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Dec 1 2011, 07:39 AM
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#6
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8 posts Joined: Dec 2008 From: Selangor |
Yes, card was blocked.
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