Hye. May i know, if i got debt with bank but only RM1.3k, i am still blacklisted? Already overdue for a year.

If i settled the debt, will my name be removed from blacklisted immediately? What consequences if i was blaclisted?  Difficulties in applying loan? How about travel outside Malaysia? Thanks

i have a situation, end of last year i had 3 months lapsed in my home and car loan, but by january this year i've settled everything and have been paying all the loans on time.
But last week tried to make a new home loan and the bank says can't proceed because of the 3 months lapsed in CCRIS in january. how long it'll usually take for CCRIS to clear my name so that i can reapply the loan? or does it even work like that? anybody can give some advice?

Digi blacklist my name on CTOS for an outstanding amount of RM27.50, which I didn't even know about. Is that defamation?

i got personal loan with easy-RHB ... i taking this loan because helping my father to settle his financial problem ... he said he will pay the monthly installment every month .... 

but now he not pay the installment for 2 month  ... i got call from bank they said if im not do the payment, my name will listed or send to CCRIS    ... now middle of month i dont have enough cash to do the payment for 2 month ...

im not good in loan or installment ...

need advice n some Q :

if i pay 1 month outstanding is it ok ?? i know interest will increase but i think it better then my name listed in CCRIS right 

one more thing, is it correct with 2 month outstanding we will listed under CCRIS or they just want to force me to pay ....

Hi everyone,

New user, hope you guys can help me pls.

My dad, mom and I recently opened a Sdn Bhd company and are trying to open a current account for the company with CIMB. However, the banker told us my father is blacklisted under CTOS for a loan on a bike (Credit Company) and a house (CIMB) which he was the guarantor for his sister who was the borrower. Right now he is unsure of these two and is going to find out why default.

But firstly we have been advised to get a CTOS credit report. My father fears that if he is to check, we will stir up trouble because act ten years ago, he signed as guarantor for another sister for another house, but then the whole family ran away. However no one has chased him for that loan. He is worried by checking CTOS or CCRIS it will make the relevant parties of the loan (Maybank) realize the loan default for that house.

First question, by checking will they realize and feed info back to the bank that my dad has ANOTHER loan default?

Second, is the CIMB banker we are trying to open account with more concerned with the CIMB loan and not bothered act the rest?

Third, we are wondering why this issue has come up because my father has opened a couple of personal accounts and also got car hire purchase loan for two cars in the past two years with Public Bank and also Maybank.

Should we try with other banks first, or just change the directorship to some one with clean record and deal with my dad's blacklist later?

Thanks for the help guys, we are really upset about this, and please... in future, be careful when trusting family.

Best Regards

P

Sorry for asking this question.

I had RM25k credit card outstanding, it's not that I unable to pay, it's just that I BT and EPP it ... I have 0 overdue amount and my CCRISS is clean.

So, if now I going to apply loan a hire Purchase Loan, bank will pull a CCRIS report and the RM25k will appeared although I got 0 overdue amount. So take as consideration, 5% of RM25k min payment is Rm1250 for the commitment.

I wonder, is that possible I pay RM25k into the credit card without cancelling my BT and EPP to avoid penalty charge, so that the CCRISS report print out will show my outstanding balance is 0.

Then after the hire Pucrhase approve, can withdraw bank out.

How about if I pay RM23k instead of RM25k ..?

will the bank be considerate enough  if after 4 months all my payments are on time? do you guys have any helpful tips to get the loan again?

Dammit. Owed p1 RM1,000+. Cant apply other telcos anymore.

I have a curious question here..

My friend lost her car which she purchased at about RM70K something and her loan is stood at the same amount..

The insurance company only paid about 80% of the value of the car, therefore, the balance of loan after the insurance payment for the lost car is RM20,000 something..

She was asking me, lets say if she did not pay anything to the bank, what will happen?

She wants to open a bank account, but not willing to settle the balance of RM20,000 something to the bank.

What is the consequences that she might have to face in future? What will happen to her monies in the bank?

Allow me to be out of topic a bit. Does your friend insure the full car loan amount? Is it normal for insurance comp to pay only 80% of the car insured value if the full amount is insured?

in this case i dont mind to pay for my own spending....

after fair talk with the manager itself, he really told me there wont be anyway out for me. well gonna try FMB first. Thanks boon

Wondering; say a PL was taken with Bank X. And the salary was remitted to Bank X as well.

In lieu of default in repayment, can Bank X recover the money by freezing the account, and collect the salary remitted in the account?

Or do they need court order for that?

Hi, I wanna ask you a question regarding car loan application. My mom was having bad credit history for sometime long ago(all is credit card and a personal loan), but in the past three months, she with my dads help has cleared all her debts and currently she have no an commitments at all and a car under her name which is fully paid. She has got all the release letters from the banks which she was blacklisted. So my question is will she be able to apply a new car loan as a guarantor under my name?. I am a degree student with no salary. Thanks in advance

dear all sifus, please comment.....

Lately, I hv an ex-colleague would like to apply for car loan but he had defaulted credit card years ago.......
He made full settlement to clear off this CC debt and applied for car loan 2 weeks later....and now he's clear of any debts, living without debt, no credit card, no car and house loan....
He's working for a bank now and applied for car loan under staff rate....

What is the chances his car loan application would be approved?

What is my chances of getting loan or cc approve if my ccris show 11112222222? My salary is 180k p.a and only have a car loan to service. Have checked CTOS which is clean. I have misunderstood the payment before therefore not able to get so clean on ccris. I finallyuncerstand today that even if you are late a day in making your payment, it will still reflect as 1 miss payment. Not before 15th as mentioned by some bros and sis here earlier.

Got a friend, thru me wanna ask

If u owe 10k and didnt pay up...for few years...accumulated till max 30k....possible to nego with bank, actual amount + legal fees without paying the interest accured?

If he wanted to sell a properties, will the bank know, about it and recoup back the money?

thanks.

Hi , i'm trying for a car loan and i have also check my CCRIS and i dont have any creadit history as i have not take any loan . The bank officer said must create credit history then only have a higher chance of getting the loan. Has anyone encounter this before ?

hi there everybody, i need some help in answering some doubts before i even apply for a car loans. i hv a cc problem. debt 4k. after consulting the officers of the bank, i agree to pay by installments of 200 per month for 20 months. i already pay up to 6 months. in between the month i did skip but the month later i also pay for the previous month (eg = skipped april, then i pay in may 400 instead of 200). this july 2011, i am able to pay up the total sum of the balance so that i will no longer owe anything since the cc already canceled. i want to buy a car after this. but when i read all the post for this topic (oh yes i read all of em) i just want to be sure when is the best and safe time to apply for a car loan.
a) should i wait for few months or a year?
b)what is my chances?
c)i really learned my lesson well with the credit card. now i only use a debit mastercard. is a debit mc can be use to pay at the hotels (i travel a lot for my job) because i am tired bringing a lot of cash around (dangerous la especially for woman la) since it is like a prepaid, i can always bank in money for the card and use so i know my limits. but i dont know to what extent the usage of the card.
d)after i pay the balance of the cc, for years to come, let say after 10 years, will i able to secure a house loan?

i hope u guys can advise me in this matter since i am really want to change into a better life and secure better ratings in banking history.      

is this the new BNM rule for 2012? haiz.. yesterday submit for loan, hoping for miracle ..

I paid full settlement my personal loan in 2010, before that my account status already Under Pemerhatian. So after kawtim the loan, bank give me a release letter saying that full amount has been made. Last year I went to Bank Negara just to check my CCRIS record and the status account still there Under Pemerhatian. I ask one of the customer service and they said, they will contact that bank. Last week I check again at Bank Negara but the status still there. Should I ask Bank Negara or the Bank?

hye.. i have checked my ctos report thru online..to my surprise, i didn't have any record in all sections except the section A.

My question is how is it possible when I know that I still have bad debt with maxis dated back to 2007? Any expert here that might have an explaination?