U can only.. use that money in account.. to transfer to car loan payment.. nothing else..

This post has been edited by ixaRA: Oct 26 2023, 11:49 AM

Which bank wor? Last time I owe 1 month also can pay 2 months one shot.... they charged late panelty only.

Shud be hide the truth n tell abit story only.

Also maybe kena taugh by sifu..she borrow 65k shud pay 65k only. Riba is haram..no need care bank calcuate anot as long she calculate correct d

Are bank allowed to do that. Macam illegal je

I tink ur credit standing sucks

I every mth late to the point they advise me setup si yet they never block my acc

Can bro.. i sudah kena last time. They block my saving account

Rimau bnk

Not sure bro.. but i kena like that last time

Could be because my credit sucks.. at last im make full car loan settlement around 32k.. so i no need to worry my account kena block anymore

Im still surprised when ppl till this day still believe:
1. They only need to pay back how much they borrow, without considering interests and fees.
2. They thought they got free cash from banks when banks overvalue their house and lend then more than what they needed.

Sounds like bullshit to me.

My bank, if outstanding jer terus call me and request to pay off those instead of waiting for months without notice before auctioning off - as there are legal complications for not adhering to SOPs.

I wouldn't have a savings a/c in a bank with an ongoing loan.

Bcox ppl rather blif their frens or "sifus" than anything legal. Coz legal is not good. Legal help coruppted.

Only sifu n frens are good.

Better do like u bro.

Saving acc use different bank.. ongoing loan use different bank..

it's called hire-purchase. what you paid is the rental for the car you hired.

banks need to provide answers.
glad this got viraled. if not, for sure the banks will just buat tak tahu. "sapa suruh tak bayar installment???" is the standard stereotype.

just because people didnt pay installment for 3 months doesnt mean you can lie and cheat them.

interest payment excluded from her calculation.

car interest payment is flat rate which is 2x higher than bank financing (balance reducing).

interest builds up very fast.....don't pay, lose it lah....next time read agreement carefully, calculate carefully,.....

Errr... after 2-3 months can't claim to be a mistake oredi. Oopsies.. i forgot? Sapa suruh tak bayar installment?
If 2nd month can't make installment, should already go to the bank to negotiate for deferment.
Pandai buy 65k car but dunno how to make regular payments pulak. Cannot afford then buy local car lah. Puii!

And bank didn't lie or cheat. Tak bayar memang they got right to repossess.
Because miss 1 month payment confirm they would already receive pink slip oredi.
Still no pay then dai sei lah.

Besides.. doesn't matter how "unfair" it is or how much you have paid. You could have paid 99.99% with RM1 outstanding and still the bank has the right to repossess your vehicle because you defaulted on the contract which you signed. Contract is contract, not some tidak apa verbal agreement.

This post has been edited by jerm57: Oct 26 2023, 12:51 PM

agreed.....not happy, sue the bank .....

malaysia many people sign first, then belakang mari, and take out victim card.