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> Salary 8k will be potong 1.2k to pay PTPTN Chat

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arsenwagon
post Dec 5 2018, 07:55 PM

all ur bass are belong to usa
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QUOTE(Manada @ Dec 5 2018, 07:51 PM)
Thank you PTPTN and government for helping me out.

I was from a low-income family, parents cant afford my tuition fees for universities.

My grades were not bad, but not good either to get full scholarships or waiver.

So I borrowed around 50k to go tertiary education.

10 years have passed. I am now earning RM12k, managerial role.

Looking back at my struggles, I wanna thank gvt and ptptn for giving me a chance to climb the social ladder and a better future for me and my family.

For that, I gladly oblige to the payment. I gladly settle a small % of my income to a loan, that costs very little (1% interest) yet gave me a fighting chance to climb the social status. I promised to use 15-20% of my income for ptptn although I have some other commitments.

Sekian.
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Ptptn helped ppl like u many
But only few ppl think ike u

After buy civic ketam, buy 2nd property, now theyre very poor.. Ptptn is oppressing them..
and85rew
post Dec 5 2018, 07:55 PM

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QUOTE(M4A1 @ Dec 5 2018, 07:36 PM)
And mana boleh tiba tiba expect ppl pay so much
If contract 150 now suddenly force pay 1200

Like this call fair ka?
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This time i agree
arsenwagon
post Dec 5 2018, 07:56 PM

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QUOTE(juvaan @ Dec 5 2018, 07:54 PM)
Earning 12k. good.

Lets say.. hypothetically... you have 4 kids in school, with parents who are elderly and with high medical bills...

hmm.gif  hmm.gif
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Hypothetically without ptptn he would be earning 2k being office kuli

But ok i understand coz everyone borrowed with the idea that their repaymwnt would be very low

.the criteria to borrow is too lax, hence almost any tom dick and harry can borrow. And the repaymwnt is way too low. Its naturally a money losing thingy, but also bcoz of thw lax criteria, too many ppl cn birrow.

This post has been edited by arsenwagon: Dec 5 2018, 07:59 PM
juvaan
post Dec 5 2018, 07:56 PM

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QUOTE(junsheng @ Dec 5 2018, 07:52 PM)
u think too much, u stupid onli
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perhaps you are born with silver spoon, privileged and entitled.

i think you are not aware the consequences and gravity of this repayment scheme. why do you think triggered such reaction?
Chobits
post Dec 5 2018, 07:56 PM

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QUOTE(fuzzy @ Dec 5 2018, 06:57 PM)
I am not a lawyer and I'm not sure if this is still a valid sample: https://ptptn.manipal.edu.my/files/PERATURA..._PERJANJIAN.pdf

But there seems to be a few clauses in it that allows them the freedom to do it.

This for example:
Although, 19 didn't specifically mentioned about the amount.
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thanks, that was a good explanation on how bloodsucking loans can be. ranting.gif
loon90
post Dec 5 2018, 07:56 PM

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Fuck man! I just called ptptn starting jan they will cancelled all our auto deduction. Then follow that new rate of the repayment. Where got make sense ! My agreement was supposed to be the amount I’m paying right now, now they want more fuck them! I need to fullfilled other needs
jimbet1337
post Dec 5 2018, 07:58 PM

meh
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good move thumbsup.gif
Avangelice
post Dec 5 2018, 07:58 PM

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Guys chill if you all feeling like this means a vast majority of people are getting upset. if you want to make an issue go attack ptptn post
NataM
post Dec 5 2018, 07:59 PM

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Turun la 8hb demo. Huhuhu
small-jeff
post Dec 5 2018, 07:59 PM

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Lol if ur manager troll.. increament 8001
cassie_90
post Dec 5 2018, 07:59 PM

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I pay on time le. Every month about 300. Why need Potong 1.2k 😑
Zaryl
post Dec 5 2018, 08:01 PM

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QUOTE(loon90 @ Dec 5 2018, 07:56 PM)
Fuck man! I just called ptptn starting jan they will cancelled all our auto deduction. Then follow that new rate of the repayment. Where got make sense ! My agreement was supposed to be the amount I’m paying right now, now they want more fuck them! I need to fullfilled other needs
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So does that means we have to SIGN new agreement again?

I for one will definitely NOT going to sign anything from Ptptn after this!
Avangelice
post Dec 5 2018, 08:03 PM

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those who tak ada ptptn loan and got fama to sponsor your education please stfu ya. you have no right to scold any of these poor souls
TendouJigoku
post Dec 5 2018, 08:04 PM

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Thank God I sudah habis bayar PTPTN. Can menabung now.
hirano
post Dec 5 2018, 08:05 PM

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QUOTE(Avangelice @ Dec 5 2018, 08:03 PM)
those who tak ada ptptn loan and got fama to sponsor your education please stfu ya. you have no right to scold any of these poor souls
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I had ptptn loan and cleared off last month. Diligently saving money before that. From poor family and no fama money since after finish spm.
Austin123
post Dec 5 2018, 08:05 PM

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This should implement long ago, I know an @sshole who is making more than RM20k/month just pay a minimum amount when received letter from PTPTN, and he went overseas kena blocked at custom. doh.gif doh.gif
nickchk89
post Dec 5 2018, 08:05 PM

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QUOTE(GoingMerry @ Dec 5 2018, 07:56 PM)
U still don't realize u keep shouting at ppl who pay consistently. u targeting wrong group of people.

He borrows all kind of loans, he pays all. What's wrong?

Your logic is i cannot borrow loan to buy house. coz im not living within my means. I only can buy with cash.
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you accused me "shouting", "talk trash" and so on, meaning you're fail to understand what I'm saying.

do i say its wrong to have loan? which sentence i say cannot?

eg:

people with 8k salary, can't have car and house (what you accused of me saying )

vs people with 8k salary, with 100k loan, no savings, 6 mouths to feed, still pay 1.2k for car, 2k for house, and not to mention no epf savings at all. (what I'm saying)

what if you get fired and no job for months? house car kena tarik? wife become beggar?

really facepalm at you

i suggest since you're so butthurt, complain or better "shout" /demo at ptptn to change that, rather than waste time argue with me
juvaan
post Dec 5 2018, 08:06 PM

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QUOTE(Manada @ Dec 5 2018, 07:58 PM)
It was not the government nor ptptn's fault for poor family planning. PTPTN has realized its objective in helping me and some other people who worked hard to climb the social ladder.

It doesn't matter how many % you wanna set aside, as long as you settle your debt, or what I would like to call it a deed.
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i signed an agreement with the same government who agreed lets say RM300 per month 10 years ago.

when you have 6-7 mouths to feed and you have 8k salary, every penny counts. Not everyone is entitled and privileged like you.

what does that got to do with family planning? parents fall sick with high medical bills was part of your plan? Lets say you bought a house and took a loan for 2k repayment with the bank and suddenly after 10 years they demand 6k per month... you will oblige and accept the 6k repayment since its your "debt"?

Genius.
Avangelice
post Dec 5 2018, 08:07 PM

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QUOTE(hirano @ Dec 5 2018, 08:05 PM)
I had ptptn loan and cleared off last month. Diligently saving money before that. From poor family and no fama money since after finish spm.
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then you may continue flaming within this tread mortal
yeezai
post Dec 5 2018, 08:07 PM

-using no way as way-having no limitation as limitation-
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Reasonable lo ..knn earn 8k drive A class still dun wan pay up ka ..new students need the funds to study oso ...
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