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> Problems in Malaysia!, Expat problems

nomicool
post Jan 27 2018, 04:18 PM, updated 9 months ago

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Hello. This is my first post here. I'm making this post to raise my voice against the many problems we have faced as expatriates during our 4 years in Malaysia. I have now moved back to my home country (Pakistan) but my family is still there and facing problems after problems. I really hope, some helpful member would come up here and give my family the help and support they need.

As an expat in Malaysia, we have been facing numerous problems and no real solution to those problems. Have been robbed, fleeced, hoodwinked, cheated and a lot more during our time in Malaysia. The police doesn't help...no one else helps...no one provides us valid answers. Will post in detail about some of the major problems my family has faced over the period of 4 years, some other time.

Right now I want a solution to our latest problem. I hope some knowledgeable member would enlighten me with their experience.

We had a foreign remittance come in our Maybank account around a month ago. It was against a petroleum trading business my father has been doing. This much awaited payment came in after a long time of facing extreme financial problems, having been robbed and fleeced everytime we attempted to do any business in Malaysia.

The incoming TT originated from Russia and our bank (Maybank) informed us of that they have received the funds intimation and the funds have come in our account (on 4th Jan 2018). Maybank asked us of proof of funds and we provided them with all valid documents and there was no objection whatsoever from their side. They told us that the amount has come in our account but is on HOLD until its trail can be traced by Bank Negara...until that time, we cannot use that money.

The banking officer at Maybank told that he will forward the documents to Bank Negara who will verify them and trace the money trail and release our funds in maximum 3 working days.

All our documents were valid, but days after days passed and we kept on checking with Maybank and they kept on telling us that they have not yet received intimation from Bank Negara.

We asked Maybank if there was anything wrong with the documents, but they said all documents are valid and the process is just taking time. Our bank even told us that the verification has reached at such a stage that my father has even been cleared by the interpol and Bank Negara has asked the source in Russia to send them the hard copy of the contract to complete the verification. As per the banking officer's info, that too had been dispatched by the source in Russia promptly. By the way, we had also already provided the Maybank with copy of the contract in the beginning.

Still to this date, Maybank says they have not received any intimation from Bank Negara and they cannot release our funds until the time they receive instructions from Bank Negara. Maybank has advised us not to approach Bank Negara directly, as they might suspect some foul play...(yeah, right...why are we after OUR OWN MONEY EAGERLY....let the looters and robbers and fraudsters roam free...and instead deprive hard working expats of their very hard earned money and don't even allow them to ask about it - this seems to be the policy of Bank Negara!)

It is now close to a month, and Maybank or anyone else we ask is completely clueless as to when we will get access to our HARD EARNED MONEY. It looks like one more time we have been FLEECED of our hard earned money.

There is no official time limit or valid answer as to when our funds will be released. Even banking system in Africa is better than this and the people there more helpful and cooperative.

Now, is there any sane and experienced person on this forum who may advise me as to what's happening in this case and why so much time is being taken to give us the money we have full right on??? Where can we go to resolve this issue? Whom should we consult? Is there any honest and trustworthy person living in Malaysia who can help us out of this bull crap? Can we get an official time limit or is Malaysia's financial institutions is just a dysfunctional system with no time limits and can sit on people's money for as long as they like!

Im honestly fed up! Need help please!

PS: On 17th Jan 2018 (just around 2 weeks after the above problem started), my dad had another incoming payment (of a lesser amount) and he was able to withdraw that in cash. He had to transmit that money to Russia for further trading...but the moment he came out of the Maybank (METRO PRIMA branch, KEPONG, KL) with the cash in his bag, some Tamil guy came running and snatched my dad's bag and ran away. This happened RIGHT OUTSIDE THE BANK IN BROAD DAYLIGHT (AROUND 12 PM). We lost another 30,000 RM right there. My dad was shocked and as an old man, he couldn't run or chase after the criminal(s) who sat in a white car waiting on the main road, and sped away. My dad doesn't even have a car there - he uses UBER. He can only buy a car when Malaysia stops robbing him of his money!

Got the police report lodged for this (can post it here as proof if needed), but the police did nothing...and straight out told my dad that it's difficult to trace such suspects. On top of this, there was NO CCTV CAMERA OUTSIDE MAYBANK that captured the footage of the criminal.

Instead of serving some warning or notice to the bank to install cameras, the police are asking my dad to prove that the snatched money was his money...and where the money came from...etc etc. All this proof is already with the bank...if you want the proof of OUR MONEY THAT GOT STOLEN, go and get it from the bank! My dad has no resources or time to visit the Sentul police station again and again just to answer these silly questions by the police - and as they said earlier, they can't trace the suspect.

Instead of attempting to go after the suspect...checking the nearby AEON cctv for clues...tracing the phone call / messages logs in the area at the time of the incident, and do other basic investigation, the police are instead investigating the victim (my dad). Mind you, the police did take the eye witness statements from that shoplot, and there were several witnesses to this crime! And by the way, why NO CCTV CAMERA OUTSIDE THE BANK?????!

Honestly, even in a 3rd world country like where I live, the police and surveillance system is better than Malaysia. We have 2 to 3 cctv cameras installed here outside even the smallest banks, even in the remotest towns! And if some crime takes place, and investigators find out that the camera was not installed or not working, then that person or organization would be in a BIG SH**!

Anyway, we don't expect the criminal to be caught or the dysfunctional police to help us in this recent case...and we don't expect this money to be recovered. What we're concerned about right now is when Bank Negara will release our funds! If someone could shed some light!

PPS: Pls move this thread to appropriate section as I really couldn't figure out in which section to post this.
Joe Kreutz
post Jan 29 2018, 01:55 PM

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My opinion as below:

Maybank/Bank Negara issue: maybank is a very big institution and they wont risk their reputation just like that. As u already said, the maybank officer told u that all documents are in order. Most likely that this is a bank negara issue, they might need more time to process to really verify your background and the money trail. Even if all the documents are there, it doesnt prove that the money is clean.

Snatch thieve issue: believe me if i say police is already looking at cctv in the area. You mentioned that the police even took statements from eyewitnesses. And the police is partly right, cases like this is very hard to trace. The robber must have been stalking your dad for a while for him to be able to rob your dad.
jerm57
post Jan 29 2018, 03:44 PM

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Why must your elderly father have to carry RM30000 without any escort? Don't want to blame the victim but too many things can go wrong here. And what kind of business requires you to carry cash around? Everything is online and electronic nowadays. At worst, you can use a cheque! I have never heard of any legitimate business that makes LARGE withdrawals in cash.

As for the Bank Negara thing, if you feel it is taking longer than usual, I suppose you can open an inquiry or an official complaint so that they know you are serious.
nomicool
post Jan 29 2018, 04:40 PM

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QUOTE(3strikes @ Jan 29 2018, 10:59 AM)
Really here to ask for advice or criticises our procedures? First of all you are not an expat, just a foreigner who is doing business in Malaysia because you can make it easier here than in any other 3rd world, (definitely better than Pakistan) transferring money from dubious sources (you never explained why the money need to be sent here and for what services, we have laws here, as compared to Africa and again, Pakistan) which BNM will definitely questioned. As comparison, I had more than 100k transferred from a friend in Aust and none was withheld.

Then your dad went to withdraw 30k in cash (so you say) and without any family members or friends to escort him (he's old and defenceless, remember), he gets robbed and you blame the bank and the police (except yourself) for the mistake.

We have our laws in place so that people do not go around robbing other or bombing themselves in public places or have illegal money being transferred from overseas to local accounts so that many foreigners come in droves to invest here. If we were like what you described, foreigners would stay out instead of flying in everyday and opening businesses.

There must be a real reason BNM does not allow your money to be released here and it's nothing to do with our hard-working civil servants robbing you!
*
Thankyou very much for your reply.

I want to answer your question of where the money came from. As I already mentioned in my original post, this payment was against petroleum trading business my dad is doing these days....and this was one of his first payments. All the documents and proof of the payment is with the bank.

My dad is working as a deal facilitator for providing jp54, jet fuel, crude oil, base oil and other kinds of petroleum products to buyers all over the world. We have contacts with refineries in Russia and we get the product from there and facilitate the entire deal until the product reaches the buyer. We do all the documentation like ICPO, CI, NCNDA, etc for doing these deals. We have copies of all these documents with us.

Hope this clarifies the 'dubious' source you talked about.

nomicool
post Jan 29 2018, 04:50 PM

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QUOTE(jerm57 @ Jan 29 2018, 12:44 PM)
Why must your elderly father have to carry RM30000 without any escort? Don't want to blame the victim but too many things can go wrong here. And what kind of business requires you to carry cash around? Everything is online and electronic nowadays. At worst, you can use a cheque! I have never heard of any legitimate business that makes LARGE withdrawals in cash.

As for the Bank Negara thing, if you feel it is taking longer than usual, I suppose you can open an inquiry or an official complaint so that they know you are serious.
*
Thanks friend for your reply.

Never knew being old and alone is a crime. As far as large withdrawals in cash is concerned - not everywhere you can use cheques for payments. We have to change the currency into USD from a money changer and pay to refineries in Russia. So we have to withdraw RM in cash from the bank.

Regards.

jerm57
post Jan 29 2018, 05:03 PM

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QUOTE(nomicool @ Jan 29 2018, 04:50 PM)
Thanks friend for your reply.

Never knew being old and alone is a crime. As far as large withdrawals in cash is concerned - not everywhere you can use cheques for payments. We have to change the currency into USD from a money changer and pay to refineries in Russia. So we have to withdraw RM in cash from the bank.

Regards.
*
Not a crime indeed but even bank trucks have armed escorts. More importantly, it was too well-planned to be a random robbery. Someone knew your father was going to make a large withdrawal and which bank he was going to. Keep an eye on any employee, partner or confidant suddenly buying expensive items that they would not normally buy and you'll most likely find your culprit.
JasonTheGreat
post Jan 29 2018, 05:07 PM

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As if Pakistan polis will do anything if people get robbed.
JohnKekHow
post Jan 29 2018, 05:40 PM

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QUOTE(JasonTheGreat @ Jan 29 2018, 05:07 PM)
As if Pakistan polis will do anything if people get robbed.
*
laugh.gif
pky
post Jan 29 2018, 06:13 PM

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Withdrawing large sum of cash alone is definitely looking for trouble yourself everywhere, not just in Malaysia. You have to be street smart, do some tricks like splitting the money to be withdrawl on seperate occasion, or be kept by few persons etc.

To be honest, Malaysia police are considered ok, at least your case in being filled, whether it was investigated or not, different thing. At our neighbor across the straits, you can't even file a report, not until you pay them. There's a proverb here translated loosely to "paying a goat to catch a chicken theft"
donfutsal
post Jan 29 2018, 06:25 PM

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QUOTE(nomicool @ Jan 27 2018, 04:18 PM)
Hello. This is my first post here. I'm making this post to raise my voice against the many problems we have faced as expatriates during our 4 years in Malaysia. I have now moved back to my home country (Pakistan) but my family is still there and facing problems after problems. I really hope, some helpful member would come up here and give my family the help and support they need.

As an expat in Malaysia, we have been facing numerous problems and no real solution to those problems. Have been robbed, fleeced, hoodwinked, cheated and a lot more during our time in Malaysia. The police doesn't help...no one else helps...no one provides us valid answers. Will post in detail about some of the major problems my family has faced over the period of 4 years, some other time.

Right now I want a solution to our latest problem. I hope some knowledgeable member would enlighten me with their experience.

We had a foreign remittance come in our Maybank account around a month ago. It was against a petroleum trading business my father has been doing. This much awaited payment came in after a long time of facing extreme financial problems, having been robbed and fleeced everytime we attempted to do any business in Malaysia.

The incoming TT originated from Russia and our bank (Maybank) informed us of that they have received the funds intimation and the funds have come in our account (on 4th Jan 2018). Maybank asked us of proof of funds and we provided them with all valid documents and there was no objection whatsoever from their side. They told us that the amount has come in our account but is on HOLD until its trail can be traced by Bank Negara...until that time, we cannot use that money.

The banking officer at Maybank told that he will forward the documents to Bank Negara who will verify them and trace the money trail and release our funds in maximum 3 working days.

All our documents were valid, but days after days passed and we kept on checking with Maybank and they kept on telling us that they have not yet received intimation from Bank Negara.

We asked Maybank if there was anything wrong with the documents, but they said all documents are valid and the process is just taking time. Our bank even told us that the verification has reached at such a stage that my father has even been cleared by the interpol and Bank Negara has asked the source in Russia to send them the hard copy of the contract to complete the verification. As per the banking officer's info, that too had been dispatched by the source in Russia promptly. By the way, we had also already provided the Maybank with copy of the contract in the beginning.

Still to this date, Maybank says they have not received any intimation from Bank Negara and they cannot release our funds until the time they receive instructions from Bank Negara. Maybank has advised us not to approach Bank Negara directly, as they might suspect some foul play...(yeah, right...why are we after OUR OWN MONEY EAGERLY....let the looters and robbers and fraudsters roam free...and instead deprive hard working expats of their very hard earned money and don't even allow them to ask about it - this seems to be the policy of Bank Negara!)

It is now close to a month, and Maybank or anyone else we ask is completely clueless as to when we will get access to our HARD EARNED MONEY. It looks like one more time we have been FLEECED of our hard earned money.

There is no official time limit or valid answer as to when our funds will be released. Even banking system in Africa is better than this and the people there more helpful and cooperative.

Now, is there any sane and experienced person on this forum who may advise me as to what's happening in this case and why so much time is being taken to give us the money we have full right on??? Where can we go to resolve this issue? Whom should we consult? Is there any honest and trustworthy person living in Malaysia who can help us out of this bull crap? Can we get an official time limit or is Malaysia's financial institutions is just a dysfunctional system with no time limits and can sit on people's money for as long as they like!

Im honestly fed up! Need help please!

PS: On 17th Jan 2018 (just around 2 weeks after the above problem started), my dad had another incoming payment (of a lesser amount) and he was able to withdraw that in cash. He had to transmit that money to Russia for further trading...but the moment he came out of the Maybank (METRO PRIMA branch, KEPONG, KL) with the cash in his bag, some Tamil guy came running and snatched my dad's bag and ran away. This happened RIGHT OUTSIDE THE BANK IN BROAD DAYLIGHT (AROUND 12 PM). We lost another 30,000 RM right there. My dad was shocked and as an old man, he couldn't run or chase after the criminal(s) who sat in a white car waiting on the main road, and sped away. My dad doesn't even have a car there - he uses UBER. He can only buy a car when Malaysia stops robbing him of his money!

Got the police report lodged for this (can post it here as proof if needed), but the police did nothing...and straight out told my dad that it's difficult to trace such suspects. On top of this, there was NO CCTV CAMERA OUTSIDE MAYBANK that captured the footage of the criminal.

Instead of serving some warning or notice to the bank to install cameras, the police are asking my dad to prove that the snatched money was his money...and where the money came from...etc etc. All this proof is already with the bank...if you want the proof of OUR MONEY THAT GOT STOLEN, go and get it from the bank! My dad has no resources or time to visit the Sentul police station again and again just to answer these silly questions by the police - and as they said earlier, they can't trace the suspect.

Instead of attempting to go after the suspect...checking the nearby AEON cctv for clues...tracing the phone call / messages logs in the area at the time of the incident, and do other basic investigation, the police are instead investigating the victim (my dad). Mind you, the police did take the eye witness statements from that shoplot, and there were several witnesses to this crime! And by the way, why NO CCTV CAMERA OUTSIDE THE BANK?????!

Honestly, even in a 3rd world country like where I live, the police and surveillance system is better than Malaysia. We have 2 to 3 cctv cameras installed here outside even the smallest banks, even in the remotest towns! And if some crime takes place, and investigators find out that the camera was not installed or not working, then that person or organization would be in a BIG SH**!

Anyway, we don't expect the criminal to be caught or the dysfunctional police to help us in this recent case...and we don't expect this money to be recovered. What we're concerned about right now is when Bank Negara will release our funds! If someone could shed some light!

PPS: Pls move this thread to appropriate section as I really couldn't figure out in which section to post this.
*
pathan bhai

make a video

& viral it with proof of document

mention the name of the maybank staff u r direct contacting

with a video thumbup.gif



darth5zaft
post Jan 29 2018, 07:37 PM

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The word 'Russia' already raise too much Red flags from BNM.
PATAR
post Jan 30 2018, 03:05 PM

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The word Russia always rais red flags everywhere.

Do you mean that your father takes out RM 30K in cash , then goes to some money changer on the street, changes it to USD and then you put it into envelopes and send to serious businesses in Russia?

If you are doing international business denominated in USD. Why use a MYR denominated bank account at all. Have you looked into setting up a USD account in for example Labuan?

kamfoo
post Jan 31 2018, 02:37 AM

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complain direct to bank negara
powerlinkers
post Jan 31 2018, 06:28 AM

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If you are not a terrorist or a scam artist: Go to bank negara HQ and complain directly.
galaxy_2088
post Jan 31 2018, 10:09 AM

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You are dealing with international trade. Despite having all the documents, BNM may suspect your company is

1. Over invoicing or under invoicing of goods
2. Falsely described of goods
3. Over or under shipment of goods

i.e. Money laundering

Also, Russia has been under United Nations Sanctions since 2014, and Malaysia follows the United Nations' resolution.

http://amlcft.bnm.gov.my/AMLCFT04.html




Virlution
post Jan 31 2018, 12:32 PM

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RM30k is not really a big wad of cash if in RM100 denominations ... better put on body then carry in bag which can be easily snatched away. Even with escort, a bag with money inside can be easily snatch, especially by someone with an accomplice on a getaway motorbike nearby

Last time I exchange foreign currency got 15-16k if not mistaken, stuffs in 2 envelope inside pocket. Left the money changer, felt like someone following me, quickly go up escalator then rush off into the crowd and into the shops and double back around to ensure I was not followed anymore.
ycs
post Jan 31 2018, 05:27 PM

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why you choose here to remit/transfer funds from Russia? maybe thinking more relaxed rules for you

if its so legit, go setup in singapore, i heard its both safe and efficient smile.gif
amar_arifin
post Feb 1 2018, 02:41 PM

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being smart then
nomicool
post Feb 1 2018, 03:56 PM

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QUOTE(PATAR @ Jan 30 2018, 12:05 PM)
The word Russia always rais red flags everywhere.

Do you mean that your father takes out RM 30K in cash , then goes to some money changer on the street, changes it to USD and then you put it into envelopes and send to serious businesses in Russia?

If you are doing international business denominated in USD. Why use a MYR denominated bank account at all. Have you looked into setting up a USD account in for example Labuan?
*
Yes you're right...we are considering opening a USD account...to avoid hassles!
nomicool
post Feb 1 2018, 04:00 PM

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Thx everyone for their support. Finally after a full month there's an update from Maybank / BNM: they have sent our funds back to the source due to a naive conflict in the documents sent by the sender. The error is just that in one place the payment is mentioned to be against 'discount amount' of supplying petroleum product whereas in another place it's mentioned as 'commission amount".

Really frustrating but Maybank told us that the sender will have to make this one correction and resend the funds through MT799. Wonder why Maybank and BNM took one whole month to reach this conclusion!

Fingers crossed!

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