Hey you got no.17 epic quote of BBW.

BBW come la, share with us on

1. How BR relates with RPGT & holding power.
2. How did you manage to woo your lawyer gf?
3. What is your daily job scope other than surfing LYN forum?
4. Are you willing to buy if >-10% off market price but a problematic unit?

Good morning. Buy first only can talk? Don't motion yourself away from challenge. I am throwing you humble questions only.

1. How BR relates with RPGT & holding power.
2. How did you manage to woo your lawyer gf?
3. What is your daily job scope other than surfing LYN forum?
4. Are you willing to buy if >-10% off market price but a problematic unit?

You will be blacklisted by BBW soon.

Yes?


BTW, what is the actual job title of repoman? I think repoman is just an acronym right? Please enlighten.


TQTQ.

For knowledge purpose. Don't siam this question la.

Ok what. A noble job if you are doing it with conscience.

If you are the debt collector on behalf of the Bank and particularly in charge for credit card default cases, what is your opinion on BNM changes of local bank interchange rate starting 2015? Do you think the number of credit card default cases will drop?

This post has been edited by JasonW13: Jan 2 2015, 12:05 PM

Brother BBW, credit limit is 2X of the net income after statutory deduction. In some special cases it is based on gross but not net. That's if you have pay slip to prove. If no payslip, will need to base on other alternative income proof i.e. income tax, bank statement, EPF statement.

In most of the cases, commission is at fixed rate but not on limit for Bank to have better cost mgmt.

I am not from UTAR but I think is not good to defame UTAR grads. UTAR is linked with MCA what and your family is connect with MCA also right?

I am quite surprise to see that you have knowledge in property market and your job is to collect defaulted money from credit card holders. Meaning they pledge property for credit card? Tak make sense to me. You have done other job in related with property one is it?

This post has been edited by JasonW13: Jan 2 2015, 12:24 PM

Dear BBW,

You must not forget about those days during the booming era of credit card where one can easily own a few credit card and zero balance transfer fees rule from bank to bank. That's the era many businessmen playing around with the money (debt) for them to roll their working capital. As a result, they are trapped due to snow ball effect of debt.

Now, with the slightly stricter credit card rule many still defaulted as a result of poor self control and financial management. In short they spent beyond mean and without knowing about the consequences of having bad credit record. That's why AKPK are so keen to educate the people.

I am referring to the new rule imposed on the 2X net income as credit limit which was introduced 2 years ago. Now starting 2015 the local interchange rate has been reduced as requested by BNM. Do you know that the local interchange rate affects consumer indirectly? Do you know in which area? From your answer it has already indicated your level of understanding and knowledge.

I am not interested in your CCRIS but I think you are not making sense on the credit card topic and UTAR students. Look at yourself, a professional with bias statement and narrowed opinion.

Since you are overseas grad and a lawyer now why your income is not working hard after so many years working in the society? Even my startup pay also higher than RM 3.7K and I am just a local grad. My apologies if any reader is having RM 3.7K below. Do you know why I purposely structure my sentence with strong BBW scent of writing -"Relax lar.. if you are really UTAR readers accept my apologies.. but you guys are fond in banking.. sales ... car.. prop agent" ? Not to make your feel bad but sometimes apologies does't work in this way following your logic.

If you dunno, just admit. No one is going to laugh at you. This is just a forum for discussion and exchange knowledge. And mostly we just blow water.

Without bank then your profession can really be winded down and doom day for the economy of the country. And btw, I do not prefer to hire foreign grads because mostly they are having attitude issue where they think themselves are so mighty. Perhaps I am right because it got proven once again in this forum. Opps. My apologies if any reader is a foreign grad. No harm but just imitating BBW way of writing.

This post has been edited by JasonW13: Jan 2 2015, 02:00 PM

Seriously? Do you still keep N-years ago EPF statement? Your next question will be asking for my latest EPF statement.

Can you intercourse with your lawyer gf with her name, photo as shown in IC and business card where all are captured in a photo and post it here so that we all believe that you do have a lawyer gf? Wait, photoshop is so easily to be used nowadays. I book you a hotel room and you do a live show in front of us is better.

Since you self-claimed as a professional then behave like one.

Pls la BBW. Is already 2015.

You start reading my exchange with BBW from page 78 then you would know.

I got my EPF account opened back when I was 18. Do you really want to see my IC too? bundek.

Do you have any idea what have you posted? It is FD cert but not EPF.

You asked for my EPF open account statement which was 8 years ago. Ya kiosk can only print for 2 years. Glad you know about that. Very tired to talk to you for today.

And btw, bank is freaking huge with different functions and departments. From your reply all are pointing to front office or sales role and you allegedly saying that all people who join bank must do sales job.

Hi sifus need your advice. I spotted a subsale single landed freehold and the agent told me the below stories. I am inexperience hence appreciate if you could advise a little or two.

1. Owner of the house never check the condition of the house since the purchase which is 8-9 years ago.
2. Owner of the house never collect the key from developer.
3. Owner has been serving the loan but still got outstanding of few thousand.
4. Developer has confiscated the house key of the owner in view that he never collect the key.
5. Developer will give out the key to owner provided he finished serving the outstanding, which is a few thousand left only.

With that, I am unable to check the interior condition of the house because agent said the key is with the developer. Does it sounds fishy to you?

What should I do to avoid been conned?

TQ for your advice.

Tq for ur advice.

The house has been in vacant for all these while as claimed. Tmr will go n hav a look but since no key hence cant check the interior though.

But this is not an auction house as claimed.

[quote=CK15,Jan 2 2015, 07:26 PM]
Ask for S&P to prove ownership, and call developer to verify lor!

[/quote

Ya thought of it too. Tq. Other than this is there any other method?

HAha then shit already..

TQ. Will do it asap. Will iron out with developer to understand more. Hopefully everything is ok.

@Jliew, just wondering. The respective sales gallery office of the project site is able to assist to clarify things? Or I need go elsewhere?

TQ