hi,

i would like to know, how bad it is being in CTOS, because of RM2k, from P1 defaulted due to I already have my termination notice 2 years ago, and yet they still charging me and wanting me to pay for it.

What can I do to clear it?
Through which legal channel?
How much does it affected your loans application?
How much longer does it takes to clear CTOS records?

Thanks in advance.