TS actually wants to get discounts on top of the installments minus the penalty.

because:

1. he felt justified due to defects (which is the responsibility of developer and not management). a lame excuse btw

2. untung sebab tak perlu bayar as much as others when summed up in total

I've been in JMB before. Prove me wrong by paying what you owed, starting today with whatever you can afford. if you have paid regularly from the start you wouldn't find yourself in a mess right now because u used up the 'free' money right?

padan muka