QUOTE(garagesell @ Sep 26 2011, 03:28 AM)
ADVICE FOR YOU.. YOU WONT GET YOUR JOB! TRUST ME! RHB HR TOLD ME THAT ANYONE HAD BLACKLIST OR AKPK WONT ABLE TO GET THE JOB FROM BANK!
SERIOUSLY MY FRIEND! IN MALAYSIA, WE CALLED THAT AS COMMUNIST! EVEN YOU MAKE THING BETTER BUT NO ONE WILL GIVE YOU CHANCE! WHAT TO DO? VOTE PR LA! KICK CTOS OUT!. In UK, as long as you settle everything, after a month, you will still get your loan. same apply to USA or what we called developed country! CHEERS
QUOTE(erictan26 @ Sep 24 2011, 12:03 AM)
6 years back i do got debt with 6 banks( mostly credit card) and seek assistance from akpk before it turns worst and finally settle all within 2 years.
recently i need some cash and going for personal loan but got rejected by maybank, al rahji ,scb,alliance and cimb. Alrahji and scb rejected due to i dont have any credit card nor any loan for the moment and the application is not even been consider by bank.
I went to bank negara to check ccris and the record is clean.
my monthly salary is 7500 and with all document: epf/income tax/bank statement/salary slip.
may be because of the akpk case? but i have settle all before getting worst. i think shall be the ambank case, i still remember that when i already start the akpk scheme for several months, their legal department still issue me court summon. After i have clarify with them, they just ask me to ignore it since i already have restructure it. But will the summon record still appear in ctos and that the reason why i still in many bank's black list.
just hard to believe with RM7500 monthly salary( without any loan/credit card for the moment) and still hard to get a single personal loan.
the only issue that i can think of shall be the ambank case and shall be state in ctos. Even i have settle it years ago but it's seem will in ctos record forever??
check ur ctos, esp section D and E (some banks look into section E as well), see if there are any records.... try to clarify with the bank if u have settled the o/s while the record still shows 'on-going' status... or if possible, u can provide documentary evidence to ctos to show that u have settled ur case... recently i need some cash and going for personal loan but got rejected by maybank, al rahji ,scb,alliance and cimb. Alrahji and scb rejected due to i dont have any credit card nor any loan for the moment and the application is not even been consider by bank.
I went to bank negara to check ccris and the record is clean.
my monthly salary is 7500 and with all document: epf/income tax/bank statement/salary slip.
may be because of the akpk case? but i have settle all before getting worst. i think shall be the ambank case, i still remember that when i already start the akpk scheme for several months, their legal department still issue me court summon. After i have clarify with them, they just ask me to ignore it since i already have restructure it. But will the summon record still appear in ctos and that the reason why i still in many bank's black list.
just hard to believe with RM7500 monthly salary( without any loan/credit card for the moment) and still hard to get a single personal loan.
the only issue that i can think of shall be the ambank case and shall be state in ctos. Even i have settle it years ago but it's seem will in ctos record forever??
hope this helps
QUOTE(ericwen @ Sep 25 2011, 08:24 AM)
hi everyone,
wanna check. if i have a credit card and has debt around rm5,000. But I always consistent paying off more than the minimum but not total amount.
Already 3 years from now. I never late for min. payment.
So will i be blacklisted in CTOS or CCRIS too?
I know the interests sux .. but if it does, then i have to settle off the debt soon?
one more question, what if i don't pay my tmnet bills few years back .. will i get blacklisted too by CTOS and CCRIS? just wonder
Any help? Thanks.
1) No for both CCRIS / CTOSwanna check. if i have a credit card and has debt around rm5,000. But I always consistent paying off more than the minimum but not total amount.
Already 3 years from now. I never late for min. payment.
So will i be blacklisted in CTOS or CCRIS too?
I know the interests sux .. but if it does, then i have to settle off the debt soon?
one more question, what if i don't pay my tmnet bills few years back .. will i get blacklisted too by CTOS and CCRIS? just wonder
Any help? Thanks.
2) CCRIS - NO , CTOS - not sure
QUOTE(chuck_blusher @ Sep 26 2011, 01:11 PM)
I don't know if this thread are the right place for me to know the answer. I have a problem with personal loan. Since i can't pay and now I receive the letter from court action. For information, i make a loan with RHB about rm 9000. So what should i do?if i don't attend the court, will i get arrested or what?i'm really scared..plzz help me
for legal advise, u have to check with ur lawyer...anyhow, i don't think one will get arrested (or put into jail) for some default in commercial loan
it is advisable that u go to the bank and discuss with the bank officer how ur loan can be settled, not hiding and hoping that the bank forget about u...
akpk might help u in the negotiation