well said.. but it is unfair to us whom paid consistently.. guess we juz got played well by them.. and i get
my hopes too high.. should hav seen this coming..

damn... just call them and they said they cannot monitor it because the insurance deduction is done it by outsider & not by them.

after almost 1 year actually 2 years they still not close and finalize my acc?? and can heard from the back ground sound like pasar only chit chatting.

lucky i check it again. if not sure suddenly few years later i need to pay another thousand again.

This post has been edited by 99FoxDemon: Nov 12 2013, 09:48 AM

u need to called or go to counter asking bfore u paid it.
last time i paid, then my account still hutang, then i called, he said, u need to go to counter to asking, online payment ptptn update very later.

then i go counter & make a clarify for cleaning the balance.
now PTPTN discount 20% of the total amount from my payment.
the discount credit PTPTN still haven't refund for me.
i called, & they said, need time to refund bcos too many ppl lo.

yet nothing we can do about it... since lots of rich ppl paid it off with 20% discount and then still got brilliant ppl come bash we have to paid the debt that we own to our god (government) and jangan persoal about it...

PTPTN!!!!!!!!!

this is like they never did any check and balance. farker.

This post has been edited by ticke: Nov 12 2013, 10:28 AM

borrow money RM1, ptptpn give discount till RM0.90, discount not that much, rage.

omaigod malaysia going down the drain

Just got their letter and received together a form of agreement that ptptn will deduct from my monthly salary.

I can refuse, right? Lemme pay manually la.

i also kena. cipet. always p e n i s-lize those who pay on time. thast why now i take my tiem to pay summons

no more liao

1. Did you check with them for the total amount for you to pay before you pay everything? or
2. Did you notify them (eg. through email) that you have paid in full?

If not they might still not close your account. and yes you need to pay for insurance as well before they can close your account
sos: http://www.ptptn.gov.my/web/guest/skim-per...surans/-takaful

Only then they will issue letter confirming you've settle everything. From your response i guess you did not receive any official letter and just assume everything is settled?


Not sure if there's any difference between the T&C for 10% and 20%.. for me i didnt convert to ujrah (applied but not completed) but still eligible for the 20% discount.


I think thath 28 is for insurance.

what do you mean they gave you the so-called final figure? you just check online or you called them? Happened to me as well. I jsut check online and
paid, then notify them through email. they replied:

Actually if you pay more you will save more because they calculate interest based on current balance.


then your debt will keep increasing at least pay the interest to maintain your balance .

for me i just paid 80% from my balance and then notify them to claim the other 20% discount.
i missed the insurance rm20+ because i did not check with them earlier, but still they just ask me to paid the insurance and then send me Surat Pelepasan Hutang thumbs:

I think this procedure is on the website.

My case much more worst.

I hv 2 loans which are foundation and degree.
So i lump sum pay for foundation loan via cimbclicks.
Then when i check the online statement, it stated that i have a new loan which is PHD.
I never apply for PHD loan, and it appears just like that, and my sum all went into the PHD account.
Therefore there are remaining amount in foundation loan.

Called them and went their office for more than 10 times, and this problem yet to be solved.
It had been 1 year++

PTPTN what are there doing??!! @#$%^&

I got it done at the one-stop centre and they did issue the 'pengesahan baki' which I paid in full. I couldn't access my account last month so I assumed that it was closed since my loan was settled but I tried it yesterday and there's the RM 28 there.

Plus I already have the surat pelepasan.

This post has been edited by neoexcaliber: Nov 12 2013, 10:54 AM

I forgot my pin number!!!

Luckily I no need pay...

Expect discount, get charged with some shitty insurance instead

Terima Kasih

then email them and show the copy of the 'pengesahan baki'. If i recalled correctly they always reply withing 24 hours working day.

Edit: the surat pelepasan is a bit tricky.. i think they put there should be clear if nothing comes up within 6 months

This post has been edited by siegdelacroix: Nov 12 2013, 11:03 AM

cannot lah, that y u need to pay the insurance lo.
u must go counter for asking, then counter will give u a total amount, let said, hutang 1000, after discount at counter, u need to paid for RM 800. Biasa is instant paid after the amount given from counter.

if u pay without asking counter u will endup this lo.
for surat pelepasan, u can get it easi, bcos both r diference department. even u got surat pelepasan hutang, but when u check at website n u still hutang...mean u still hutang PTPTN & the kos pentabirand keep rolling.

Full paymnet, paid 1000, then after varify, ptptn will refund the remaining 200 for u.
Insurance & kos pentabiran after that will be zero.