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

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desmond2020
post Dec 5 2018, 08:12 PM

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Dah hutang, bayarlah pundek
desmond2020
post Dec 5 2018, 08:14 PM

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QUOTE(M4A1 @ Dec 5 2018, 08:13 PM)
U sign agreement with bank for house or car loan for 1k

Suddenly bank said no money, next mth u pay 5k

I tell u, dah hutang bayar aje la
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They can do that


You can read your agreement and see it for yourself


And again


Dah hutang bayarlah pundek
desmond2020
post Dec 5 2018, 08:16 PM

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QUOTE(Avangelice @ Dec 5 2018, 08:14 PM)
you didn't ans my question eh. do you have a ptptn loan or were you funded by fama?
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There is another situation

He can get scholarship which is abundant out there

Or he can take ptptn loan but convert to scholarshipbecause he get first class honour


And again


Dah hutang, bayarlah pundek
desmond2020
post Dec 5 2018, 08:18 PM

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QUOTE(M4A1 @ Dec 5 2018, 08:17 PM)
Actually they cannot do that

In contract will said cannot exceed certain %

Not simply ask for a figure as they like
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If they assess your credit worthiness periodically and found you to be not stable in term of financial they can restructure your loan and most possibly reduce the payback period
desmond2020
post Dec 5 2018, 08:21 PM

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QUOTE(M4A1 @ Dec 5 2018, 08:20 PM)
But now rm1xx sudden jump to 1200

That is not reasonable
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That is based on income level

Aran more pay more and finish paying faster


What if the problem?
desmond2020
post Dec 5 2018, 08:23 PM

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QUOTE(Avangelice @ Dec 5 2018, 08:21 PM)
again some degrees can cost up to 70k bro.
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Well life is cruel


In usa their study loan average interest is more than 10% per annual


That is proper loan shark


You should be syukur with 2% interest loan you got
desmond2020
post Dec 5 2018, 08:26 PM

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QUOTE(Avangelice @ Dec 5 2018, 08:24 PM)
comfirmed you are entitled hence the lack of empathy.

meh. not gonna waste my time arguing with a guy who's parents helped support you.

shrugs.

next!
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I didn't get a cent from parents for degree

Well some one should learn to be responsible with debt

This post has been edited by desmond2020: Dec 5 2018, 08:26 PM
desmond2020
post Dec 5 2018, 08:38 PM

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QUOTE(ketupatlazat @ Dec 5 2018, 08:37 PM)
wah so many kturds with outstanding ptptn rupanya

all the best managing your finances! hope you are already saving 30% of your income consistently so things like this do not hit your wallet like a brick to the head
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I heard all are 20k income club?
desmond2020
post Dec 5 2018, 08:44 PM

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QUOTE(powerlinkers @ Dec 5 2018, 08:41 PM)
SHUT YOUR BL**DY HELL MOUTH PAKATAN HARAPAN SUPPORTERS.

ALL OF YOU SHOULD D*E.

There are people whom abide by certain contracts ,fulfill their due diligence on time are being forced to cough up for Pakatan Harapan's stupidity of mismanaging Malaysian economy .
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In the offer letter, there is clause which state ptptn can change term of repayment by giving notice


You don't check what you signed on?

This post has been edited by desmond2020: Dec 5 2018, 08:46 PM
desmond2020
post Dec 5 2018, 08:46 PM

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QUOTE(cdspins @ Dec 5 2018, 08:45 PM)
Haha... ya.. that's why all triggered come here complaint...
How many of them really earning 8k and force to pay RM1200, I wonder.... If really have.... this group of people should not have much left to repay , at most 10k, and this group of people cannot pay it all up in 1 lump sump???  cool2.gif
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Biasalah 20k club


Fresh grad straight can get 8k basic one
desmond2020
post Dec 5 2018, 08:56 PM

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Here

For those who don't read their offer letter

user posted image
desmond2020
post Dec 5 2018, 09:00 PM

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QUOTE(nightshade_nova @ Dec 5 2018, 08:57 PM)
PTPTN is a loan. Like any loan, should pay ASAP, can have a peace of mind.
RM8k salary can clear in no time.
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My brother clear his loan within 3 years and he earn less than 4k
desmond2020
post Dec 5 2018, 09:01 PM

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QUOTE(mois @ Dec 5 2018, 09:00 PM)
Dont expect 18 year old to check what is the agreement. Most just follow the herd and sign.
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18 years old then guardian need to counter sign

All main sign ja
desmond2020
post Dec 5 2018, 09:11 PM

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QUOTE(KineticKill @ Dec 5 2018, 09:09 PM)
You might assume wrongly.

I grew up in hardship. Farmer dad and housewife mum.

Worked my arse off my whole life. Applied for scholarships on my own, no parents' money at all.

Did that all the way to the top.

Now I sit back and relax. And laugh.
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Ayam too

Get to IPTA via STPM and JPA scholarship for degree program


Life is tough

You need work hard to get what you want
desmond2020
post Dec 5 2018, 09:15 PM

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QUOTE(David83 @ Dec 5 2018, 09:12 PM)
1.2k is triple of my current repayment amount.
Crazy! doh.gif
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In the offer letter they only clearly state with bold fonts that they can change repayment term by given written notice
desmond2020
post Dec 5 2018, 09:16 PM

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QUOTE(smwah @ Dec 5 2018, 09:15 PM)
How bout those apply 1% repayment and those already using salary to pay.
Talking about free education, so it will never appear.
Better provide interest free repayment by nett out borrow.
Do they ever consider the high cost living in city?
2k, tell me what to eat my friend. Govt should start control the tertiary feed and quality.
Disappointed.....
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2k you need only pay 40 per month lol
desmond2020
post Dec 5 2018, 09:18 PM

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QUOTE(ryde @ Dec 5 2018, 09:16 PM)
if you read carefully, it said  "Cara Bayaran Balik" , pay back method subject to change according to PTPTN but it does not say PTPTN berhak mengubah ansuran bulanan dengan memberi notis ... ". in the contract, initial cara bayaran is from the salary deduction from employer and PTPTN can change this method. they can change how you pay back to any method but the amount remains the same as in the contract. if they can simply change the amount, this clause should be written under Ansuran Bulanan, not Cara Bayaran Balik.
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Then you need a lawyer to sue gov


I suggest you get a really good one


Like late karpal Singh level
desmond2020
post Dec 5 2018, 09:20 PM

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QUOTE(David83 @ Dec 5 2018, 09:19 PM)
Shafee, Bijan lawyer can?
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He used to be like walk on water in court

But nownpeasant level only
desmond2020
post Dec 5 2018, 09:27 PM

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QUOTE(TheOnly @ Dec 5 2018, 09:25 PM)
Im lucky enough to never need to even know what’s “ptptn”

But boy look at the replies here, getting all riled up because you have to pay back what YOU have spent?

Wow, just wow, how about when ptptn pay you years ago that time delay the payment? Take money pandai, but never understand how this batch of money is circulating.
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Today get money in bank

Next day already see them playing new iPhone
desmond2020
post Dec 5 2018, 09:33 PM

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QUOTE(juvaan @ Dec 5 2018, 09:32 PM)
Trust me, you are right. there are people far worse than you.

Imagine this, a so called PTPTN borrower working part time, to support studies and family, cycles few kM to nearest tesco at night at 930pm to buy cheap stock clearance bread and consumes that for the next week. Simply becoz of "true hardship"

Sadly, its a true story.
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How poor you are, when you owe money, you need to pay back.


For 2k salary you pay only 40

That is reasonable

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