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CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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Homomensura
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 May 8 2014, 11:41 AM
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New Member
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i was rejected when apply for rhb credit card, then i go to ctos for checking, ctos show that i do not have any case.
then i go to check ccris, ccris only show one item in special attention account. that is a loan i get in a scheme for graduate from government thru agrobank. i think i supposed to start paying in 2010, but then i move house and did not receive any letter.
now wat should i do? go to the bank to “serah diri” and start paying monthly? or settle it when i have the money? i think the interest rate tat time should be 2.75%.
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Homomensura
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May 8 2014, 01:18 PM
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New Member
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QUOTE(enkil @ May 8 2014, 12:05 PM) Yes better go and see them. Arrange for a special affordable monthly repayment. At least they can remove you from ccris npl record. thanks. one more question, if i start the repayment, wat will appear on my ccris? still in special attention account or in normal 12 month payment column or both? |
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Homomensura
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May 22 2014, 10:27 AM
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New Member
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QUOTE(scutioners14 @ May 21 2014, 11:38 PM) from my experience, in special attention column,its either your loan under legal proceeding or been charged-off. your loan could be at their credit recovery center. u should discuss if there are any chances for restructuring/rescheduling, or nego settlement. normally at 6 months in arrears bank would proceed 'notice of demand', meaning they recalled your loan and u need to make full settlement. that means not 100% can reschedule? i need at least two year to settle the loan. i have some money in hand making some profit (8%pa) , the total amount not more than 20% of the loan amount. so i am not able to make settlement. wat should i do now? negotiation or wait until 2016 to make settlement? what is charged-off by the way? |
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Homomensura
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Jun 5 2014, 10:07 AM
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New Member
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QUOTE(scutioners14 @ May 31 2014, 01:42 AM) u can ask for rescheduling..and i suggest u do.. charged-off means your loan been settled internally by the bank..but u still need to pay if u still thinking on getting loan elsewhere would like to know, if i have rescheduling loan repayment, am i able to apply for 1) House loan ? 2) Credit card ? |
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