You seems like hating bank so much.
Many shit happened not because of bank but defaulter itself.
If people easily can find a solution if they goes bankrupt, then bankruptcy will lose it value already.

Why you so sibuk other people business, like they borrow your money. Like I said in my earlier post that some people are desperate because of a good reason, like they are sick or someone they care need medical, therefore it takes whatever to get the cash for medical. You seem to portray yourself like a very ethical person, however with no sense of humanity, again i remind you, HAVE A HEART.

And please mind your words and stop making defamatory statements, WHAT DO YOU MEAN .... "What if everybody thinks like you and hope to get away to get away with not paying back the loans, financial institutions will go bankrupt. This is typical Malaysian mentality, like those who who took PTPTN loans and demand the government waive their debts because they are bumiputras? If the loans dont get paid back, how would the government hae the money to loan to future PTPTN borrowers just because of your selfishness."

Please mind your words, do not make wild and false allegation or assumptions without any justifications. Just for this statement I am able to judge you. You sound like a bloody RACIST!!

UPDATE: Tomei, Just went through most of your posting, seems you dislike Malaysia and the nice people here a lot, right. Probably you are one of those "ALVIN" gang type , not the chipmunks .

This post has been edited by edbravo: Oct 18 2014, 02:54 PM

If you have a heart, then why not you help these people settle their loans so that they need not be blacklisted? The law is the law, you dont pay then you get blacklisted and sued for bankruptcy. Whatever the excuses and reasons are.

This post has been edited by TOMEI-R: Oct 18 2014, 02:33 PM

If you don't know how to debate other than repeating my statements please just stop writing. You know you sound like a...mmmm...what's the best word to describe you...mmm OH JUST LIKE A LITTLE KID...are you?

Guess you do not have a HEART, so sad for you.

This post has been edited by edbravo: Oct 18 2014, 02:46 PM

"The law is the law" ha ha ha...even the highest judge in the world do not go around saying as such. If the law is the law, then we do not require judges to make the best judgement and decisions pertaining to a law. Come on lah, speak more intelligently 'lah, you are sounding very naive now.

This post has been edited by edbravo: Oct 18 2014, 02:43 PM

Yes, you can go to AKPK, but once you dealt with AKPK, which the record will appear in your CCRIS, all banks will "NOT" approve any loans because you dealt with AKPK. Why do I know? I deal with a lot of banks and a lot of smart alecs went to AKPK and got their loans directly rejected.

They didnt stop using CTOS, because the government instructed them to stop using CTOS, doesnt mean they stop using. They will use it as a referral and will decline your loan based on other reasons but not on CTOS records.

Looks like its you who is lost for words. For calling people a lilttle kid, look at your own statements above. You wanna sue the banks for defamation for blacklisting a loan defaulter? Which "tempurung" are you from and what law do you apply? Law Of the Jungle?

Before calling me a racists, can you tell me who or rather what race are the majority of the PTPTN loan defaulters? I am just stating the bare facts which you aren't able to accept.

This post has been edited by TOMEI-R: Oct 18 2014, 02:56 PM

Judges are here to judge based on the law, and not based on emotions. Can a judge deliver a judgement based on his emotions and not sending a person into bankruptcy because of whatever "your said emotional" reasons?

This post has been edited by TOMEI-R: Oct 18 2014, 02:59 PM

Hey dude, please read carefully. I am not against the banks or any bank. My statement was referring to CTOS and they are not a bank. They are selling everybody's private information for profit gain, so do you think its right?

Facebook also sells your information for profits, dont tell me you dont have a facebook account.

i thought CentOS?..
ohh CTOS...


mehhh...

While your some point is correct, you do sound like a typical k/tard racist.
Since when people fight to abolish loan because of bumiputra reason?
Those people who fight for free education are idiot but those who fight for it not come from 1 particular race only.

Now you wanna "loyar buruk". Have you ever been in a court proceeding before??? Guess not from your naive ways. Just for your information, read this ...http://www.cscja-acjcs.ca/judges_decisions-en.asp?l=5


In the course of a single case, a judge may make countless decisions interpreting the intent of the Charter or a piece of legislation, or applying legal principles and precedents established under the common law. If there is a Supreme Court of Canada or other higher-court ruling in that province or territory that interprets the law or deals with a similar dispute, the judge is obligated to make a ruling that is consistent with this precedent. The details of every case are different, however, and the judge may be able to "distinguish" the rulings of other courts and make a decision that breaks with precedent. And, of course, if a novel issue arises and there is no precedent to follow, the judge must craft a decision that breaks new ground but is consistent with the principles laid down in common law. Judges also consider common law precedents from other jurisdictions and countries. While not binding, these may offer guidance as to the best way to resolve a dispute.

A similar approach is taken when deciding the sentence to impose on someone convicted of a crime. The Criminal Code sets out the maximum prison term for each offence and sometimes a minimum sentence that must be served in custody. The maximum penalty is reserved for the worst crimes and the worst offenders, and there is a wide array of sentencing options - discharges, fines, probation or conditional sentences served in the community. The judge must take into account the seriousness of the offence, the offender's background and prospects for rehabilitation, and the need to deter others from committing crimes. Judges also review the sentences other judges have imposed for similar crimes, to ensure the punishment is fair and fits the crime. In Canada, sentencing is not based on revenge but rather on the fundamental concepts of protection of the public, fairness, deterring others from committing crime and reforming the individual offender.


Like I said earlier, you only know how to write without thinking. So sad again for you. Do you think any banks dares to sue a person bankrupt when he used the borrowed money to save someone's live. For sure NOT. Even the judge will not blindly pass judgement.

This post has been edited by edbravo: Oct 18 2014, 03:09 PM

Well, if they selling the info to the bank, they do have right.
Those CTOS record are being referred from most bank in Malaysia. Some bank using RAM but basically it all the same.
I personally don't mind if CTOS share their record with other Singaporean bank. It was understandable if Singaporean bank demand for that though.

Ok. View accepted. I do agree on free education. But the main point is, you people just cant accept the painful truth which is laid out just in front of your eyes.

Keyword 1) Canada
2) MAY offer guidance as to the best way to resolve a dispute.

Already laid out in front of you. I think you have a problem with your comprehension.

surprised the damn company still alive after PERSONAL DATA PROTECTION ACT 2010

Yes they do have the acts to support their means, however on a humanity rights ground they are in violations of your rights as a human. For example, let's say, even though the law permits someone to have a camera and take whatever pictures he/she desires, however do you feel it is rightful for this person to take private photo of yourself and expose it in public for profit gain. Sure not right, and the same principle applies here.

Yeap, because no law-man wanna challenge them....

Sure they don't have right to publicize your personal info. In fact even banker can't reveal individual bank record to 3rd party. Not even to their parent.
But CTOS was created to serve bank in 1st place. If those info just being share with bank, i don't see any problem with it.

TOMEI,

Please allow me to educate you.

I know you are a Chinese dude and for me, everybody are beautiful, unless once in a while you meet some idiots regardless of race.

Please do understand the true meaning of the word "Bumiputera". I am sure you wish to be at par with this word, right, however to deserve and i mean DESERVE to have this status, firstly you need to become a patriot of your country and not whining behind a computer, complaining that you deserve this and that and why should the bumiputera have more, so on and so on status .

To get this status is not easy man. Thus, would you be wiling to fight for your country, take up arms and defend your nation, if your country is being directly invaded (i don't mean to fight internally ok)??

If your answer in YES, then please join the ARMY. Hope you get my drift.

Because a person who loves, supports, and defends his or her country are the rightful Bumiputeras. This is just an example, however there are more, but i am lazy to write.

Therefore, please don't get me wrong, a county and a government are not the same, and if you do love your country and your fellowman, please stop complaining, go join the ARMY and come back here and demand for your status, than I will be proud of you.