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

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fhatz
post Mar 14 2012, 10:31 AM

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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 vmad.gif ... i got call from bank they said if im not do the payment, my name will listed or send to CCRIS sad.gif ... 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 sad.gif

one more thing, is it correct with 2 month outstanding we will listed under CCRIS or they just want to force me to pay ....
fhatz
post Mar 19 2012, 12:08 PM

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QUOTE(luvimp @ Mar 14 2012, 04:40 PM)
Firstly, call them to promise to pay by end of this month.
If they able to get a promise to pay then usually they will wait till the date mentioned before pursuing with legal.

It should be fine to keep the account at 1 month in arrear.
They cannot proceed with legal if it is only 1 month overdue.

Yes, 2 months outstanding they can proceed to blacklist you.
That's why you must call them fast and show them your sincerity to pay.
Give them a logical date like end of this month right after your salary day.

Once you got blacklisted in CCRIS then it will affect your loan in the future.
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thanks for ur info it really help me..sorry late reply

already call them to inform and paid one month due ...

looks like i need to pay this loan until next year waiting my father EPF, after meet him and discussed this issue... cry.gif

planning would not be like what it's planned

 

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