People owe money also got to live right, not that I utang anyone, it is just that i pity some people with hardship, don't you care? Lets say one day you need a huge amount of cash to pay for your medical and live, would borrowing and unable able to pay would class you as a bad person??? Think man, it may happen to you one day too, never gamble with your faith. So have a heart  

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.

hehehehe...technically yes
but AKPK will act as a middle man between yourself, financial institute(bank) and insolvency dept
so it will be more easy to negotiate between them...

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.

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?

If I am a bloody lawyer i will help people for free to sue them for defamation  , any lawyers want to volunter ha ha ha

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 right a lot. Probably are one of those "ALVIN" gang type  , not the chipmunks  .

"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.

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?

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.

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.

Again, why you so sibuk about PTPTN. Did you contribute tons of Tax money which give you the right to do so? If you did than probably you should run the country. Probably you are not entitled to apply or maybe rejected by PTPTN, that's why you are so so so mad, and a very frustrated guy, right.

Please dude, don't "hantam" the Malays and classing / branding them as "loan defaulters". You know why I class you as a racist, it is because of this. You think that being a Chinese, you are more ethical than a Malay guy. Come on, this is not right man. Not only Malays are loan defaulters, others too. So once again, Have a HEART and people will hear you.

Do you know why most graduates are unable to pay-back their PTPTN loan because they do not have a job, furthermore if they do get one, lower salary. Why are they unable to get a job is because of the job market which is one sided. Go figure it out.

Oh my you are indeed an idiot.

Where in hell did I mentioned "SUING THE BANKS". My statement is referring to CTOS and anyone may sue CTOS for defamation in the event that CTOS had published wrong and misleading information about a person's reputation, for example, such as a person being a bankrupt when he no longer is or not. Please get your bearing right DUDE, do you want a COMPUS? SEE YOU MADE ME TO CALL YOU ANOTHER NAME : IDIOT  

"Whatever it is"...ha ha ha, that means you condone that you had made a wrong statement and you are an idiot, right?   Don't underestimate people dude. You don't need to be a lawyer to sue people. You just need to understand and interpret the law. This also you don't know?    I did not call other people names, I call you NAMES because its justifiable. Tell me, which name did not suit you and justify it. At least I am straight forward and not a hypocrite like you...opps another name for you. By the time we end this, I might call you more names, live with it man...at least i am here to critise you for your own good.

How come you change topic???? Now CTOS and lawyers. You were angry with the Malays for defaulting loans right and now one big "U" turn. Guess you realise that you ain't that superior right. 
Yeap agree that forest gump's statement suits you.

You susah hati ke if i sue CTOS...hey MYOB dude...anyway....should I now call you a liar?

All had been written in STONE and you can deny as much as you want, however everybody can clearly read your earlier remarks about PTPTN loan defaulters in which you had clearly meant the Malays, even your statement on Tax contributions are also discriminating, furthermore most of your other posting in this forum can be deem as racists remarks too. You want me to point them OUT???!!!! Just say YES and I would be glad.

By the way, you should have stick to the topic of this posting, however from the very first beginning you decided to bring out other irrelevant matters to the topic, furthermore accusing me for being a loan defaulter. WHO GIVES YOU THE BLOODY RIGHTS TO GO AROUND THIS FORUM AND MAKE UNJUSTIFIABLE REMARKS ABOUT OTHERS!!! DO YOU EVEN KNOW ME TO JUSTIFY YOUR WILD ALLEGATIONS? YOU ARE ONE BLOODY BIG BULLY, RIGHT.

This was your initial remarks in this posting...can you remember...

Why? You think you can run away and live happily ever afterin another country without paying your debts? Geez, people think of all ways of not paying back what they owe others.

Wasn't that statement rude and with no respect for me. So now don’t play the innocent game. Shame on you idiot.
SEEeeeee....even this statement from you show how racist you are....

Why not you join Perkasa and Ibrahim Ali and his antics and start blaming everyone else for your own failures.

Does it relate to this topic?????? Guess not . Don't make me start a topic...IS TOMEI-R A RACIST?

Didn't your parents teach you to respect others regardless whosoever, even a stranger you bloody fool. Guess not and that's why you are a bloody "kurang ajar".

Piece of you....ha ha ha...wow now you talk like a "taikow"...your name AH HAI huh!!!  now you wanna boxing huh...since cannot challenge my comments and remarks, did i hurt your feeling ...anyway not my style dude, I am not a hooligan like you. If you actually know who I am and what I really do, I am sure you will start to freak out or probably won't had said what you had said.

Since you are so eager to defend yourself, let's start a post to justify your low racist character, I will published every racist remarks and statements you have mentioned in this forum and I shall call some UmmmKNOW..WHO boys to review your RACIST REMARKS.  Won't be in this forum, anyway.

Wanna try dude? See whether you berani....come on...just say YES. please say YES I will make you famous like ALVIN the none chipmunks.

By the way IDIOT, your statement was not a GENERAL statement but made directly towards me (the publisher of this post), for sure I am offended. What a shitheadidiot don't you know sopan santun. Do you think this statement you've made was not rude and defamatory????

Why? You think you can run away and live happily ever afterin another country without paying your debts? Geez, people think of all ways of not paying back what they owe others.

Hey idiot, you like to go around offending others right, now its your turn.... you think you can run away after insulting me??!!!

COME ON LAH TOMEI-R from KUALA LUMPUR...just say YES and we can start the ball rolling COME ON LAH.... Why your balls suddenly shrink huh?

UPDATE. its 9.06pm, come-on lah taikow, just post yes and I can make my move 
UPDATE. its 10.02, still chicken shit to answer