Hi Raja Utara,

Help me. I'm blacklisted not sure CCRIS or CTOS (because I stupidly be a personal loan guarantor to a 'friend'). Other than that, I'm clean. Working with payslip. Able to spend up to RM1000 a month with zero downpayment. Looking for any nice, low maintenance Japanese sedan or MPV (new or used).

Do you accept trade-in of Nissan Altima SSS 1993 with fair condition? Willing to let go for RM10K.

PM me. Thanks.

almost 3 weeks and no reply from the salesman.

selamat hari raya.

i'll be most grateful if i can get any car loan so any car will do. let me know if you have anything interesting in your stock. exception for korean & malaysian cars.
preference: small mpv or 4WD or sedan. auto. monthly installment of RM800-1000. new or used.

btw, i'm keeping my altima.

then i think i have to go for matrix. pls list down the documents needed. i'll contact you when everything is ready. and the approval will take how long?

** it is so unfair for us, like me a good paymaster to be punished for somebody else fault. bank negara should do something about this. we never know that the person we guarantee will not pay their loans later. even close friends and families get away with that. at the first place, bank should not impose the rules to present guarantor because later on nobody wants to be guarantor anymore but it's hard, sometimes be need to be kind.

I received a few PMs regarding the Blacklist application. FYI, I have not proceed with Raja Utara because I wanted to do it myself first. After a few attempts with the banks (with help from my closest friends- can't do anything with blacklisters), I directly went to Hyundai. Zero dpayment (they reduce the car price and used that discount as dpayment). So I put a booking and waited. They were so confident that I can get a loan after looking at my payslips. After a few days, they called me and told that the finance needed extra dpayment. I'm willing to pay RM5K. Finally, they said my loan was rejected and nothing they can do about it and the manager did try his best cables to help me I think. They usually approved the blaclist loans before but as for the economic condition now, they afraid to take the risk. Now I'm waiting for my booking refund....

So I have to continue driving my old car. AAM knows my car very well. They been towing my car so often. I'm losing hope and tired of all this and if someone can really confirm that I can get a loan, I don't mind going through all the process of photocopying everything and filling out forms. And the same goes to my housing loan application. I think I can only buy a house and car with my EPF cash money when I turn 56. Bright side = debt-free life. Or should I start buying lottery tickets to try my luck?

I wish the 'friend' who 'blacklisted' my name realized how much trouble I had because of her.