1. dia dapat your number/contact details by reading all contacts from someone else's phone, like someone who calls you maksu AND saves your contact under Maksu as well.
2. that person installed the apk, jenis stok main tekan OK je instead of baca apa permission apk tu mintak, macam send sms, etc.

so if you can find people who calls you maksu, see if their phones letak maksu as your contact details. then check to see if the apk is installed, duit selalu habis, etc.

This post has been edited by C-Fu: Jul 10 2014, 03:54 PM

they have your contacts already, probably from one of your nieces or nephews.

best is to find out whose phone has the app, or some random app. if this sijil.apk is clever enough, it will auto-install some other app to monitor sijil's status - if sijil gets deleted, auto downloads and installs it back.

best is still to do factory reset.