QUOTE(nookie7 @ Sep 1 2016, 04:20 PM)
The other day i obtain my record from RAM, suddenly they mention there is a record of Dishonored Cheque reflected from 2013.
So many years suddenly still pops up.
directly escalate to the respective bank!
Dear
1. That's when your company has cheque bounce due to insufficient fund in the bank.
2, This will alert the bank on loan approval. If you hv such situation more than 4 times, bank will be reluctant to approve your loan if you submit loan application based on your business income. Because your company bank account always have insufficient fund in the bank, means lack of cash flow..
3. Yes, it will still appear in the RAM even years to come for this issue.
Cheers
QUOTE(Saladz @ Sep 1 2016, 05:19 PM)
Thanks for the reply guys.
But actually i am just settling the outstanding, not the full loan itself.
So as i know, although our record on outstanding will be cleared off from CCRIS, the banker can still check previous record to see if there is any "2" or "3" right?
Because as i have read, only settlement of full loan will completely clear off every record from CCRIS.
Any idea?
Dear,
1. If you want to reduce the outstanding amount to reduce your debt, then you can clear off half of the outstanding amount and next month it will reflect halfreduced outstandin in your ccris record. However, the debt will still appear in ccris with past record payment
2. If you want to permanently remove the ccris debt record that showing bad credit payment 2 2 2 2 2 3 3 3 3... etc. Then you would need to settle the whole debt amount to the bank and then cancel the debt facility.
Cheers
QUOTE(Saladz @ Sep 1 2016, 07:55 PM)
Ya just as i suspected. I have 1 further question if you don't mind:
PTPTN has the right to request Bank Negara to delete off past bad records, correct?
If can maybe i can negotiate with PTPTN to pay half of the loan in return for the deletion of past bad records.
Thanks.
Dear
1. They is this possibility but they wont. They would prefer you pay it all off then have it removed from the ccris record. Else, after you paid half, removed from ccris record then you didn't commit in repaying it all, wouldn't they need to put another effort to list you back into the ccris again?
2. You can try and tell us how it goes.
Cheers