Is it true that Banks in The Republic of Singapore subscribe to CTOS and use the system to monitor Malaysian who are working in Singapore? If yes, is this legal for a company like CTOS to sell information to foreign country??

If use CTOS then all P1 wimax customers GG la

What do you mean by that???

How come nobody know this? Anyone?

want to take loan in singapore is it???
remember this name JMS Rogers

Why not? CTOS site was purposely build to earn money from banks and other credits firm. If not mistaken Spore will also use RAM (http://www.ramcreditinfo.com.my/ourcompany) to check someone credit status.

Wow, so those blacklisted Malaysian cannot take loan in Singapore banks also, how about opening saving bank accounts? How can those blacklisted malaysians work in Singapore if singapore banks also check CTOS / RAM to just open account for salary? Garnish pay for Malaysian bank also got????

Can open bank account I think. No problem there.

Just that they won't give loans if the Malaysian has bad CTOS/RAM. I am not sure if they even give loans to Malaysians...who are not PRs.

Makes sense what. Why would a SG bank give loans to a Malaysian who does not have much assets in SG? What if the Malaysian take the loan and then take all the money and go back to Malaysia?

Correct me if i am wrong, There is a place near SOGO KL to check a persons financial reports right? NO registration just MYKAD?

Online also can do like CTOS http://savemoney.my/ccris-ctos-dcheqs-ram-...ory-in-malaysia and also MYEG if you want to check for bankruptcy also but pay money, CTOS i think free.

ctOS? Boleh main heck itu ATM?

afaik..only CTOS and CCRIS...there is also private one banks and telco users.

So Singapore is still not as bad as Malaysia banks who nowadays will not even open a basic saving bank account if a person in just blacklisted but not yet a confirmed bankrupt. Don't know if this source is reliable or not, anyone can back-up?

Cannot open account? See - https://forum.lowyat.net/topic/741069/+560

Post 562.

Ram is using ctos backbone also lol.


Also they cannot simple do ctos check on people. Need customer consent then only can. Thats why bank requires u to sign a form to allow them to do a credit check.

Alot of banks start to stop using ctos already.

Thanks
Found the one i was trying to remember, the Bank Negara CCRIS at the old Bank Negara building basement.
Now i'm not so sure where it is.


CTOS and CCRIS has a clause that you agree they can use your data for "processing".
So better to go direct to BNM to get the report.

This post has been edited by VinluV: Oct 17 2014, 11:36 PM

BNM report is CCRIS

if you were declared bankruptcy of course you can't open bank acc under your name...
but it can be done if you get help from AKPK
remember CTOS not only collect data of bankruptcy cases...
bad pay-master also can be captured by CTOS data base...
by not paying for your astro bill....telephone bill...etc
while CCRIS is solely for the use of banking institute....

wherether a bank allowed you to open an account it's all depend on how they interpret your CTOS data...
if you prove to be a "real" bad pay-master...
yeah...they have a right to decline you as their customer...

p/s:
bank is not charity...they an business entity same as others but with more stict guideline

Good advice...are you referring to Malaysian banks or Singapore? For sure Malaysia cannot open if bankrupt, but how about Singapore banks??? heard of bankrupt people who managed to exit country (even blacklisted).

No wonder they started to charge individual/private checking..... they need money......