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> CCRIS, CTOS, Blacklisted by Bank, Whats The different.

adreina
post Mar 22 2012, 09:28 PM


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QUOTE(luvimp @ Mar 22 2012, 11:11 AM)
No way.
Once u pay the RM25k you will be charge with penalty fee.
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How about if I pay RM23k instead of RM25k ..?
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luvimp
post Mar 23 2012, 10:59 AM


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QUOTE(adreina @ Mar 22 2012, 09:28 PM)
How about if I pay RM23k instead of RM25k ..?
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If you can afford RM23k for payment.
Why don't you take lesser margin for your loan by paying more upfront payment?
For example, if u taking house or car loan then you pay additional RM23k upon the 10% deposit.
It will be easier for bank to approve it if your margin is lower.
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1282009
post Mar 23 2012, 10:17 PM


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QUOTE(adreina @ Mar 21 2012, 03:12 PM)
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.
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I face with similar predicament too previously, end up I settle other more "straight forward" commitments, eg. car loan.


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sovietmah
post Mar 27 2012, 03:58 PM


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anybody done a self-check via CTOS online before?
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stretch
post Mar 30 2012, 10:42 AM


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QUOTE(luvimp @ Mar 13 2012, 04:26 PM)
If you are only late in payment and no legal issue then your record should be clear after 12 months.
So i reckon you can try to apply again by Jan of 2013.
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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?

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luvimp
post Mar 30 2012, 11:18 AM


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QUOTE(stretch @ Mar 30 2012, 10:42 AM)
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?
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Definitely no.
Bank will consider your payment as long as the record show.
CCRIS show 12 months repayment conduct and even though you are at current now but used to late for payment previously.
They will still reject you.
If you are desperate for the loan then go for lower margin.
For example, 70% for car loan or 80% for house loan.
And if your monthly income enough to meet the minimum requirement then they will accept your loan.
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1282009
post Mar 31 2012, 12:59 PM


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QUOTE(sovietmah @ Mar 27 2012, 03:58 PM)
anybody done a self-check via CTOS online before?
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Yes.


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lesnar
post Apr 7 2012, 10:14 AM


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QUOTE(sovietmah @ Mar 27 2012, 04:58 PM)
anybody done a self-check via CTOS online before?
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I think you need to be member before you can check. Usually lawyers does the checking
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1282009
post Apr 7 2012, 07:54 PM


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QUOTE(lesnar @ Apr 7 2012, 10:14 AM)
I think you need to be  member before you can check. Usually lawyers does the checking
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Anyone can go to their office to register for the first time and thereafter we can check online as and when we wish to.

https://ctosid.ctos.com.my/ctosid/Welcome


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Deani_77
post Apr 15 2012, 04:02 PM


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QUOTE(1282009 @ Apr 7 2012, 07:54 PM)
Anyone can go to their office to register for the first time and thereafter we can check online as and when we wish to.

https://ctosid.ctos.com.my/ctosid/Welcome
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No need to waste time to go to their office... Just become member then sent copy of your IC when requested... Then after they gave confirmation you can do self check online.
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1282009
post Apr 15 2012, 04:05 PM


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QUOTE(Deani_77 @ Apr 15 2012, 04:02 PM)
No need to waste time to go to their office... Just become member then sent copy of your IC when requested... Then after they gave confirmation you can do self check online.
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True but I was hesitated to fax my ic copy over last time. Just dropped by and it took 10 mins to complete.


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forextor
post Apr 16 2012, 11:29 AM


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I just visited CTOS office and register myself for online self check. It took about 15 minutes to complete, not many people there.. right now it is free to register.

I got two records in CTOS, one for Credit Card (which is remarked as FULLY SETTLED), and another one is personal loan, which is not settled yet (but I am paying promptly every month).

I think Banks use another system, not just CTOS and CCRIS.., because last month when I apply for a loan it was rejected, and the bank officer told me I have unpaid study loan.

The problem is this study loan is not in CTOS or CCRIS, so they must be using some other system as well to complement these two! Anybody got a clue?

Moral of the story, don't try to run away from your responsibilities, it will come back to bite you in the ass!!

This post has been edited by forextor: Apr 16 2012, 11:30 AM
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mattlac
post Apr 19 2012, 11:37 PM


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Dammit. Owed p1 RM1,000+. Cant apply other telcos anymore.
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luvimp
post Apr 20 2012, 02:24 PM


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QUOTE(mattlac @ Apr 19 2012, 11:37 PM)
Dammit. Owed p1 RM1,000+. Cant apply other telcos anymore.
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Yes, u should pay up.
Else, u can't apply anything later.
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smartinvestor01
post Apr 22 2012, 09:02 PM


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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?
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1282009
post Apr 22 2012, 09:51 PM


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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?


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luvimp
post Apr 23 2012, 11:48 AM


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QUOTE(smartinvestor01 @ Apr 22 2012, 09:02 PM)
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?
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Even though you lost your car you should continue paying the monthy instalments during the investigation period by the insurance company.
If you stopped paying then your record will show late payment.
You are eligible to pay no matter what happen to your car.
Since insurance finished the investigation and willing to compensate 80% of the car price then you should settle your loan with bank.
If with the insurance amount you still can't settle it then you should talk with the bank either continue paying the monthly instalments of change it to term loan.
You can't ignore the balance else you won't be able to take any loan in the future (they will blacklist you and if your balance around RM20k+ then they can summon you and declare bankruptcy)
They can't touch your money in your savings or current account so no worry.
But if your salary are paid into the same bank (e.g. car loan RHB, savings account RHB and salary paid into the RHB account) then they can stop the salary from being credited to your account.


Added on April 23, 2012, 11:50 am
QUOTE(1282009 @ Apr 22 2012, 09:51 PM)
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?
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Yes, 80% is the max that insurance company will pay.
80% of the market price for your car at the moment.
Even though you insured full amount.

This post has been edited by luvimp: Apr 23 2012, 11:50 AM
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kimmyy8011
post Apr 23 2012, 04:27 PM


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QUOTE(b00n @ Mar 22 2012, 02:58 PM)
Boon,

How possible is the below 2 persons get a housing loan:-

1) Wife Under AKPK - if she clears all the sum b4 the fixed date - will she ever be granted loan and if yes, how long after that?
2) Husband has CCRIS record of delayed housing + car loans. After he cleared both, 6 months after that he might have the capacity of getting loan?

Will it be possible for the both of them to jointly get a housing loan without the joint name of a "clean record" person?
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maru
post Apr 23 2012, 06:30 PM


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hi....can a person owe cards debts n apply for bankruptcy ?

amount around 40-50k


Added on April 23, 2012, 6:48 pmHi people,

I currently on CTOS due to supplementary card from my mother. Just found out recently only. Call MBF to do waiver but they dont let. They said cases like husband n wife, bf n gf , boss n employee can be waived but not for mother n son. Their debts inheritable to their child. So my question how true is this ? The amount is quite big for me to settle. I just a supplementary card holder during my study time, used for 3 months , thats all


Anyone r good in this matter? need professional help

This post has been edited by maru: Apr 23 2012, 06:48 PM
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b00n
post Apr 23 2012, 11:39 PM


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Get the facts right. You will not get listed under CTOS just because of supp card.
Are you sure it is a supp card? Complain to FMB and BNM on MBF taking action against you as supp cardholder.
However although above had been said, if not mistaken, the bank does have the right to go after the supp card spending only.

Also, in the case of deceased, the bank has the right to go after the estate of the deceased. But defintely not the supp cardholder or the children.

Btw, saw that in your signature you are selling cards, loans etc... Yet you know nothing about all this? So how is one confident to get loans from you? sweat.gif
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