Are you blacklisted by PTPTN? or they have already sent a saman mahkamah which amounts to more than RM10K? dont worry. all you have to do is prepare these:
1) wang pendahuluan RM2000 - 3000 : negotiable later
2) surat rayuan: stating how sorry you are for not paying your ptptn installments promptly. how much pendahuluan you can pay, and the monthly installment
3) 2 months' pay slip
4) epf statement
go to PTPTN office, now they have a branch in most of the states. go to the counter and tell them you want to appeal to clear your name from blacklist/saman. all you have to do is:
1) negotiate the "wang pendahuluan" and monthly installment. it is a very easy process which takes only about an hour. they will calculate how much "wang pendahuluan" you need to pay which would range only within rm1500-rm3000. REMEMBER, IT IS NEGOTIABLE.
2) choose a method of monthly installment payment: salary dedcution/auto debit (standing instruction). if auto debit, you will have to go to your respective bank and apply for it and give a copy of it to PTPTN AND WITHIN 24 HOURS YOUR NAME IS CLEARED OF BLACKLIST/SAMAN.
DO NOT BE AFRAID THAT YOU WILL HAVE TO PAY A HUGE SUM OF WANG PENDAHULUAN AS WHAT THE PTPTN HOTLINE OPERATORS WOULD TELL YOU.
PTPTN, Blacklist/Saman Mahkamah