hi,
i need help on ctos.i try to make a pl before this but the bank said i got a ctos record and im blacklisted.i never know about it until this time.

my question is, how come my ccris record is clear but i got ctos record?i never received any letter of reminder since the past 10 years from anyone,any bank regarding any legal action on me.

fyi, i already make a biz loan with one bank twice within this past 5 years with no problem and never mentioned about any blacklisted..but each time i try to apply for cc and pl all got rejected.none of the bank tell me why i got rejected until this officer who help me with my latest pl saying tht i got ctos.

i already call ctos office regarding this matter.they ask me to walk in and do my enquiry and to check my status.how the hell im going up to k.l just to check my status on weekday while im working.i lived 100miles away from klang valley.this ctos really really pissed me off.

is there anyway that i can know my status without going to their office and without send them the enquiry letter tht will took 2-3 weeks for them to reply on my status?

also, will bank strictly define u as blacklisted when u got ctos record and not ccris record?will u loose all the bank facility like pl cc or others just bcoz u got ctos?this is cruel..i never know about this till today and still i never know on wat case that im blacklisted..please help me out.

thanks

thanks for ur answer.this is cruel.i lived my happy lifes before this but now i feels like someone stalking me.more worst idk where did i do wrong.

no wonder my pl rejected.issit possible for me to apply for my 1st cc?tq