Hi guys,

My parent decided to buy a new car for themselves, i am their guarantor. We placed a booking fee to the dealer after test drove it. It is a national car brand. Then, after waiting close to a week without any result, my folks decided to change their mind and buy another brand, national brand also.

Contacted the salesman, requested him to cancel the booking. He asks why, we said we wanted to change to another brand. He gives tons of reasons saying his brand better than that brand bla bla. He asks us to wait few more days then will get to know loan results, no need so troublesome change brand and apply all over again and etc. At that time, we were convinced by him. 2 days later, we really decided 100% not to choose his brand but buy another brand. Again, contacted him, he convinced us dont change brand and something along the line. This time, second time, we ask for cancel and request for refund, he change the topic. Never ending changing topic

Even contacted his branch, i think is the office person picked up, we asked for cancellation, but we were told to deal with the sales person himself.... damn. Really no way to bypass him

Now want to apply with another brand also headache. Because he keep on acts on his own, according to him, he will apply with other bank. If like that its bad, affect scoring for future application. He seems like trying to trap us and make us no way out and to choose to buy from him

How to deal with such case & get back by booking fee without going through him? Anybody had the same encounter?

This post has been edited by Zoo Howl: Mar 27 2021, 02:16 AM

Grow some balls tell him no mean no end of story. Bank loan stuff complain to bank negara his banker will kena if not follow proper sop.

tell him you will shame his name if this keep going.

some people need to be shame because they have no shame

Its not about balls or not

Now the booking fee is at his side, if i be nasty, i worry my booking fee is gone or he wouldnt help me process

Secondly, if i be nasty, he would apply with all the banks, as of now already got 4....if it continues, it will caused me hard to get approval for future application

The only way out is to buy from him. Which we decided not to after changing our mind.

This post has been edited by Zoo Howl: Mar 27 2021, 02:10 AM

He can apply with all the bank u can complain to bank negara ppl misuse yr data to apply end of story.

I wait until next week.

As a salesperson, they should respect customer’s decision.

How u pay the booking? Cash or card? Any receipt to prove of payment?

How about my booking fee? How to get back?

I use online transfer. The receipt is with me. And they even provide me the vehicle sales order. I have this both document with me

Go bang table and talk to the manager. Both national brands are selling like hotcake now, im sure the manager will malas to layan complain and will quickly process ur refund.

Dont worried he cant forfeit the booking . Just request a refund . And call banker cancel loan he cant do shit.

applying multiple banks won't taint your credit score. You are a customer, you have rights to shop around different banks to see each banks offer.

No bang table until that extent because will get viral
The process is ... i need to write cancellation letter > submit to salesman > salesman submit to management. I cannot bypass him and right away go through management

Secondly, he refuse to let me know which bank branch. Wtf man

I’m not sure he is bluffing me or not.. he said my scoring already bad coz he already applied with few banks. If i choose other brand, guarantee wont approve as the second brand salesman will continue submit to different multiple banks again

Based on my experience, booking fee just RM 100 right? If yes and it doesn’t worth the headache, just move on and proceed with the new brand agent.

Even better, you can get tell the new agent about your story, and perhaps they can reimburse or absorb the booking from their commission.

On the scoring part, as long it doesn’t yet accepted, no worries. Bank will auto remove from CCRIS if no further action from your end, or if the banker call you, just let him know that you wanna cancel the application.

Your CTOS score has nothing to do with multiple enquiries... the sales person is just trying his luck to scare you off.

But on another note. if you have a lower score, maybe you should take less loan.... you can know your loan capability easily, just walk into one of the bank and provide your personal details... there will inform how much loan you can get.

You got the official sales receipt right? Go visit the branch and ask to speak with the manager. If they still redirect you to the salesman, file an official complaint with the national brand HQ.

How much you put downpay anyway?

Worth all the hassle to deal with that guy?

TS is just weak. Bullied by perodua or proton salesman.

he sold a car, he will get commission, and if you buy another car that he is not selling, that means he need to puke out the commission and another person will pocket the commission, simple as that.

Applying all the banks in Malaysia won't affect your scoring.
Obviously he don't want to let you go for this sale because he won't get any commission and basic salary is zero or rm500 before epf and socso.

Btw, you online transfer to the company account's?

What you can do is to tell him to get you the other brand car's if you okay with it. At least he can earn something.

And Malaysia's law say he need to return back your booking fee for at least 90% of it. So he the company cannot escape by saying need to deal with salesman unless u didn't transfer to the company's account and there is no official receipt from them.

Why should you forfeit the money? It's this kind of thinking that gets consumers screwed.

Applying to many banks won't lower your credit score.

Once a bank has approved your loan you can change the loan to another dealer. Deal with the bank directly on this.

Write a letter to the branch to get back your deposit. By law the dealer must return at least 90% of your deposit.

What is the TnC stated in the booking form for a refund ?

The law supercedes any TnC stated in the booking form.

Not 100 but 300.
Actual not receipt but car sales order form. I tried writing a letter to them first

I have transfer to their company account. I dont want to deal with this person anymore as he is getting unprofessional

I was told that my application has been submitted to few banks, if change to another brand, then have to resubmit to few banks, and second batch of banks will see where & how many banks i have submitted.... thus will affect scoring because of 2 batches

Yes i am writing the letter now

Nothing mention about the refund

Write a formal letter to the branch manager to cancel the booking. Have it acknowledged and follow up from there. No point calling them and have it official in b&w.

BTW, your next loan .. the next salesman need to submit the loan application again. You cant transfer ftom the 'old' submission as finance commission is paid to the dealer who submit the application.

This post has been edited by mini orchard: Mar 27 2021, 12:15 PM

Yes.... sadly cant transfer thats is why i am worry my next submission will be rejected because of previous one applying at a few banks

isnt booking fee non-refundable? last i bought car is 9 years ago...
the SA told me booking fee are not refundable, but RM500...

Shouldnt have any problem with your next loan. If the bank ask why, just tell them you cancelled the earlier purchase. Since no money is disbursed, your credit rating is not affected ... there are many would be borrowers cancelled loan due to various reasons.

I have transferred my bank loan from one dealer to another dealer before.

No wonder some people got scammed for bank loans they never took when bank officers are 'allowed' to change the particulars in the loan application form instead of submitting a new application.

Young people nowadays really no social skill whatsoever. Common sense also don't have. If you know that booking fees is 100% refundable upon request, then why are you being bitch slapped around by a mere salesman? If having a penis and a ball sack you still act like a little girl, just cut them off. Even office girl who picked up your call can easily blow you off and Tai chi you back to the salesman. In today's dictionary, there's a term called "pushover". You're a pushover. People will see you no up.

Your money, your deposit. Get it back. That is all.

If you are dearling with Perodua, you can contact the HQ directly via their website of soc med account. They are quite responsive on this matter.

If another local brand, well ... good luck.

Just email the dealer and cc to HQ, can find the details via google

This post has been edited by JimbeamofNRT: Mar 27 2021, 03:26 PM

You may change the loan to another dealer if (a) the previous dealer agree with it, but in this case since TS wanna change to another brand , he need to apply for a new loan.

Some bank officer very fussy - when they see in the system how come so many applications in such a short time they may reject or give you unfavorable interest rate.

and no, most of the time bank officer will ask you to deal with the SA / Dealer by yourself. they hardly entertain direct case these days, except in "special circumstances"

go direct to bank say withdraw loan appplication

The salesman is so desperate to close the deal but in an unethical way! You may lodge a complaint to his branch manager and demand to refund the booking.

You, I like you. Sharp and direct bitch slapped TS into reality. People have been very helpful with their suggestions and TS instead of listening to them, keep on digging his own grave thinking that there is no way out. He is getting manipulated by the salesman real hard. Kesian.

Social intelligence 0
Stupidity 100

This post has been edited by imadeyoureadthis1: Mar 27 2021, 05:20 PM

TS, I asked my lawyer friend. He advised as follows in respect of the deposit.

Did you sign anything in writing? If yes, that could be a preliminary contract. Then you look into the terms of the contract governing the refund of deposit.

If you did not sign anything, and paid the money to company account. Did you receive the official receipt? If yes then check whether there is fine print of TnC on deposit refund on the back of the receipt.

If there is official receipt but no TnC check their official website of the company agent whether in their terms of service (ToS) the company stipulates terms with regards to refund of deposit for contracts entered by their authorised agents.

Official receipt here means receipt issued under the agent's company name not agent's own name. If it is agent's name, good luck la you can never get back your deposit.

If you indeed have the official receipt but tried your best to look for the terms for deposit refund but found none. Then you charge to their higher ups (rank of managers above) to ask for deposit as other ktards have advised. Going for front line they only tai chi you back to the salesman. If manager refuses to refund, ask why, ask where in the Black and White says that your company can eat my deposit.

If you have official receipt with TnC stated with regards to refund of deposit. Go to manager and ask for refund pointing out that your company have agreed to refund in the event that sale did not go through.

The law governing refund of deposit:
Deposit can be forfeited because it is just a security for the performance of the contract. (Rationale: the seller could have sold the car to other persons if not for your change of mind and wasting his time. Therefore, putting in a deposit shows buyer's seriousness in the deal.)

Unless you can prove black and white (yes written contract) that it constitute part payment of the purchase price of the car then the deposit can be refunded. Because it is no longer called "deposit" in layman terms but part payment.

Oral contract is admissible in court but have fun proving that it exists. Court won't entertain salesman promises.
It is buyer who is stupid enough to entertain their promises.

The law respects freedom of contract but does not protect gullible contractors. The law is not there to babysit you.

If either company or agent without lawful reasons eat your deposit. You can commence civil action via small claim procedure without the need of a lawyer. But have fun wasting time and money if your deposit is miniscule.

Sidenote: Do not go viral unless you have the law to back you up. If not you will get hit by defamation suit. Then we all ktards can laugh at you when you issue public apology on social media.

On loan application, others have advised you accordingly. No need for me to repeat the advice.

This post has been edited by imadeyoureadthis1: Mar 27 2021, 06:21 PM

Small claims tribunal court can already.

I see, so what u mean is no matter how many banks i have applied with, as long as not approve nor not reject, my credit rating wont be affected... right?

Ok noted
Definitely

Thing is like TS said the SA dont tell him which bank he submit the loan.

quite a hassle to call every banks just to find out.

dont forget the toyota capital ( for perodua ) or proton commerce too ( for proton )

actually we got several

ambank
affin
aeon credit
bank islam
bank rakyat
bank muamalat
cimb
hong leong
kuwait finance
maybank
public bank