TY for the sharing I've shown this to my bank/lawyer and they are filling bankruptcy on me. This is what you all wants, all this while I've paying promptly for the whole year and just Jan and Feb 2013 failed to refund and you all makes the big havoc out of it...

Hope you all satisfied with this ending...

You can enjoy your sharing makes no different to me anymore. Will announce you all the Bankruptcy Notice date when to advertise on newspaper... I loose everything now. So you are Happy Lim Kha Heng! Loo Tong Hong! Sorry for the others is not I don't want to pay is them who force me to do it this way!!! Who gonna loose more now???