Yes

u borrow

1000 x 3% / 12 = ur interest

How to settle the cost of "SAMAN" ?

I have repay all my PTPTN 6 months ago..... Still waiting for the so called kos "saman"

chase after them more them 12 times via letter/ fax /online complaint / phone, they tell me just to wait......... 6 months already..

wat u mean by saman?

i have apply for the 1% conversion but until now no news?? then i wanna check the status, the website got error.. and i haven't got any letter of confirmation saying that i'm eligible for that conversion.. anyone on the same boat?

i went through the ptptn site to check out the ujrah. It said approved. What makes me wondering is that no letter on my monthly repayment. All i got was a few months ago where the rate was 3%. Can anyone explain to me? started paying my loan last month according to 3% interest rates. But now dunno how much to pay according to 1% unterest rate.

when u apply for 1%?
have u received sms from ptptn mentioned that your application is approved and need to login providing username and password?

i applied it just after it have announced. Nope i did not receive anything.. when i try to check my status last time.. they say its still under consideration. Now i check got error. but i haven't graduated yet (convocation) . must i wait i until i graduate?

I was blacklisted previously..... something like Pending "lawyer fees"

for my case, i received sms notification from ptptn but it takes long time la after i register for ujrah.

anyone that intending to pay your debts via e-fes better not to do it now as there might be some error gonna occur making transaction. i just got this bad experience where i made payment to ptptn via e-fes using cimbclicks and then the page idle for so long eventually got a http error msg, the money already deducted frm my a/c but ptptn side, my statement didnt show the amount i paid has been credited to ptptn a/c . dam frus right now, cos i needa call them up and i know they will take ages to settle my problem : (

ages ?

Thats the correct word.

Dont complain, you got spoon feeded by them.

Repaying back is your job either they charging you or not, it's your duty to pay though.

Why use e-fes to pay? Just use CIMB direct pay to that account mah.

bcos e-fes is fast, it doesn't require 3 working days but not really reliable, always get the idle too long msg

Current E-Fes issue will be fixed within 3 days. I experienced same thing, it was fixed without me having to call anyone. No need kancheong lah.

Btw PTPTN is having a 1% promo if you settle off your loan. I can save RM1200 by paying off RM15k before Dec 2011. Wonder if it's a smart move or not..hmm

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Added on November 17, 2011, 3:16 pmIt's 1% flat per year pro-rated based on June 2008 balance (not reducing). Call PTPTN for more info

This post has been edited by Syd G: Nov 17 2011, 03:16 PM

able to check ady..i'm not offered..anyone know y?

i see, i just checked at ptptn website after reading your post, everything ok already but can you clarify to me whether a person who received lawyer letter from ptptn still entitle for the 1% promo ? as far as i could recall, their site pointed everyone layak for the 1% except for those who kena lawyer letter ...

i had the same experience to use FPX with Hong Leong Bank.
The transaction shown no successful but deducted from my HL Bank account.

On the spot i emailed HLB with all the screen shot, after 3 weeks their reply was still "under investigation" until i wrote another email and CC to BNM.
they managed to resolve the problem in 3 days after the second email.

on the subject of ptptn, my friends and i were having a meal the other day and they shared their experiences with me,
guess what.......one already graduated like 4 years ago and til now havent paid a single cent! He did get some warning letter and stuff and he still did nothing about it.....furthermore, he just came back from a trip overseas last week and was not blacklisted!

Then my 2 other friends added that they have yet to make any payment as well since they graduated like 3 years and 2 1/2 years ago respectively. I asked them why they have yet to pay a single cent since they're all working and have really stable jobs. They also say that they do not have any financial burdens or commitments. Plus, they also received some letters like warning and final warning and reminders and stuff...

Do you think PTPTN is too lenient?

Maybe they are bz chasing the more than ten years graduated havent paid a cent category I guess...

I think its not bcoz of leniency, its the mentality of thinking of paying PTPTn is a burden eventhough its only less than 100rm/month...I dont get it student nowadays, ignoring your commitment after graduated, it will get tougher if you have a family in the future...if you borrow from bank for sure will be blacklisted straight away