just found out this... again, penalizing those who are paying promptly -.-

sure or not ... http://eform.ptptn.gov.my/ptj/semakan-ptj.cfm

this PTPTipooo wtf!!

im finish paid everything last year actually end 2011 and after i see this thread i check again my acc & suddenly still got balance RM59.80??

This post has been edited by 99FoxDemon: Nov 12 2013, 04:47 PM

u got receive any letter from ptptn after settlement ?

"Merujuk berkaitan diskaun 10% bagi pinjaman PTPTN. Tuan perlu membuat pertukaran ujrah (1%) bagi melayakkan pemberian diskaun 10% dan membuat bayaran mengikut jadual bayaran balik ujrah. Bagi pertukaran ujrah, tuan perlu kembalikan dokumen yang telah lengkap kepada PTPTN melalui pos @ serahan tangan di mana-mana kaunter PTPTN. Amaun ujrah adalah berdasarkan baki semasa dan upah 1% setahun. Saya akan kemukakan permohonan tuan kepada unit berkaitan untuk proses membuat perjanjian baru mengikut jumlah dan jadual bayaran balik yang baru. "

i emailed them asking why diskaun 10% havent reflected yet...this is what they answered....

seriously? only applicable to those with ujrah? where u heard it from?

just normal statement state my acc RM0.00 already.

going to call them later. really wtf.. RM59.80 for insurance??

stupid me for paying almost 3x my required monthly installment... -.-

Just settle one shot, with 20% discount. You'll get the release letter ASAP.

this is wat they emailed to u? got cheated by gov again.. wadafak!!

dafuq... it's didnt stated in the fucuking budget statement !!! he didnt said T&C apply also... damn it!!

Gov bersabar banyak dengan anda bila memberi anda pinjaman...bila masa membayar anda bising2 pulak...

yups! i read again and again it wasn't stated anywhere. It just states pemimjam ptptn.. i got bahasa A2 for SPM also cannot fight this putar-belit govt... terror!

it's about the principles..janji dicapati...taniah bn

I paid in full last September but the online statement still shows that I owe them RM 28+. Kinda retarded that I still owe them money when they gave me the so-called final figure before I paid.

again, i never complained abt paying back my hutang.. a promise is a promise...

call them and ask

no point ..just pay required monthly installment and keep money aside

then wait for discount

5 month now i dont pay

my interest keep generating ....

This concerns the promise made from them last year on the discount which was supposed applicable to those who consistently
paid to PTPTN.. Did we argue about anythin else??

unlike some ppl think it's their god given right as earth prince not to pay back ptptn...

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.

Wow PTPTN is really shitty. I paid in full (minus the discount) on September 15th but the discount was only applied (pelarasan) on October 30th so they still included admin charges AND insurance for last month.

It's only RM 28 but I find it very shady that they suddenly included the previous year's insurance charge in the recent statement.

I already settled my loan. they emailed me saying i only need to pay the insurance and still eligible for the 20% discount. So, if 1000 pay only 800 + insurance. Then dont have to wait for refund. I checked my statement just now, show ptptn owe me 18 cents

Edit: wait, i thought u paid eg. 1000 and wait for ptptn to refund 200? no?

This post has been edited by siegdelacroix: Nov 12 2013, 11:17 AM

please get ur eyes checked. there's no discount at all

maybe the amount is in bracket (RM28) ?
Edit: didnt read carefully so you checked with them? in my case no extra payment although i paid in the 16th or 17th that time.

This post has been edited by siegdelacroix: Nov 12 2013, 11:20 AM

for reference

Paying hidden charges to cover gomen BR1M. Screw them

What does the bracket signify?

Nevermind. I found out what it means.

This post has been edited by neoexcaliber: Nov 12 2013, 11:29 AM

kesian, ptptn owe me after i settle.

know what's another concern? it takes ages for them to process your refund...one of the reason why i worried about settling lump sum

wait, how come your baki once zero then go up to 500? bracket means they owe you?

so you still owe them or they actually owe you?

full pay...after discount PTPTN own me.
some more got bunga wei.

what is ujrah?

got mine within one week.

they want your money fast. but when ask for some letter/email say kawtim settle pay, say need to wait after 6months.

WTH

Btw, this year Budget didn't mention about 20% discount, so still got?

this.. Ujrah

This is mine.. only paid 80% + insurance to settle. no need to wait for refund



This post has been edited by siegdelacroix: Nov 12 2013, 01:42 PM

this year, rumor said is 40% discount...oh wait.

Seriously? I got my "surat pelepasan" within 24 hours by email. Maybe there's a misunderstanding. 6 months to confirm that we have settled the payment but the letter can be obtained immediately.

Letter inside:


Edit: Its a pdf letter with letterhead etc

This post has been edited by siegdelacroix: Nov 12 2013, 12:04 PM

Bajet 2014 is quiet on PTPTN.
So the 20% discount is ended.

But the 10% still remains.

Mine baki keseluruhan pinjaman (RM25.81).

So PTPTN will refund me?

i didnt get that. need to checkup my officer incharge.

Seriously..hard to understand...

is a new skim to recalculate the remaining loan balance...right?

It's either conventional (3%) or ujrah (1%). ujrah is introduced to reduce the interest. iinm.

3% on flexi loan rate...

1% on fixed rate?

hmm.. just realized this. it seems to be that way. 3 % flexi, 1% fixed. That means if u are under ujrah, it doesnt matter how much you pay monthly, the "kos pentadbiran" will be the same.. right?

i guess so...
i remember ppl mention abt it...
The pentadbiran cost is cheapskate... what do they do ...actually
send the money to them with a middle finger attach...

to those who're paying promptly, Ujrah is actually a "scam".. this is because it calculates your loan balance as at Jun 2008 and not at the start of the loan repayment itself.. those who learn accounting/finance should know this..

is it true ujrah only can pay with salary deduction?

why i never get letter of release?? already paid all my loan since 2008..

you try borrow from cina ah long. see what will happen.

How to check the balance after finish paying?

I had the release letter saying that i had settled the payment. It took almost 3 months to chase for the release letter, so who ever who had PTPTN settled, you should chase for your release or settlement letter.

I did not change to ujrah coz of the t&c. Its just to give ptptn more authority

1) they can share ur information to any banks or employer
2) they can authority to blacklist ur name
3) they can change the content of the agreement without prior notice

I was also tempted to change to ujrah when it was 1st introduced. But after carefully reading the agreement. I cancel

Najib only give 20% because want votes.

actually, 10% discount macam tak de discount only

More like they waive off the interest only

ada la...i received the 10% discount

but then i still have another RM 45,416.87 to payback

haiz.... fml

settled mine last year, one shot full payment. got 20% discount + surat pelepasan on the spot.