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CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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scutioners14
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 May 21 2014, 11:38 PM
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New Member
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QUOTE(Homomensura @ May 8 2014, 01:18 PM) 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? 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. |
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scutioners14
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May 31 2014, 01:34 AM
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New Member
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QUOTE(adrianfej @ May 27 2014, 06:17 PM) Nope. Different BANK. Alliance Bank and CIMB. Previously was HLB and CITI check 'last balance updated' date in CCRIS..if your bank didn't update your account status to paid-off/closed then it would still appear in CCRIS..also u can get release letter from your bank stated that your account been fully settled |
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scutioners14
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May 31 2014, 01:42 AM
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New Member
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QUOTE(Homomensura @ May 22 2014, 10:27 AM) 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? 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 |
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scutioners14
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Jun 11 2014, 04:05 PM
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New Member
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QUOTE(Homomensura @ Jun 5 2014, 10:07 AM) would like to know, if i have rescheduling loan repayment, am i able to apply for 1) House loan ? 2) Credit card ? Nope. Ur loan status in CCRIS would appear as T or C. |
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