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 Blacklisted but looking for loan, plz help, loaaking personal loan for blacklisted

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speakeasy
post Jul 15 2008, 10:49 AM

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QUOTE(peyot @ Jul 15 2008, 09:42 AM)
[COLOR=blue] icon_question.gif  I,m blaclisted with bank..RM 13k. currently I 'm still pay bank by monthly basis. My problem is I cannot apply for credit cards, housing loan and etc. I got no other installment with bank. Can somebody help me to get personal loan...so that I can pay bank to clean my name....Thanks....HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! icon_question.gif
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first of all let me tell you that since you have reschedule your loan with the Bank you are not blacklisted..probably your name appear under the CCRIS as "doubtful paymaster". as such, the other Banks are not approving your housing loan..Your name will never appear in CTOS (which black list people) unless civil action (writs of summons) have been initiated against you. Did the particular Bank you are owing commence this? if not than you are clear...

as for the second part..I agree with some of our friends here that you should get some assistance from either your family or close friends to help you out on this...or maybe use your coming bonus to settle you debt with the Bank..It is goina be impossible for you to get another loan from a bank to clear your current loan..for the Bank its " GOOD MONEY CHASING BAD MONEY"..since they know u r a bad pay master..

speakeasy
post Jul 16 2008, 02:45 PM

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QUOTE(mazlanmasood @ Jul 16 2008, 12:35 PM)
If anyone would like to apply Bank Rakyat, do call me at 012-3626046. blacklisted accepted........
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what are your rates? need a guarantor? probably yeah...
speakeasy
post Jul 18 2008, 12:10 PM

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QUOTE(Playbook @ Jul 18 2008, 01:43 AM)
if you are blacklisted, this is doubtful.

Added on July 18, 2008, 1:47 am

If you have a Moneylending license as issued by the regulatory authorities, and your agreement follows the guidelines as per the license, then yes, you can proceed with a claim against the borrower.  Actually, you can proceed with a claim against the borrower provided they breached any of the covenants / trigger points in the standard agreement (Note: Variations to the standard agreement require consent of the regulatory authorities).

However, if you do not have a Moneylending license, your agreement is very likely unenforceable.  You did not have the permission of the regulatory authorities to conduct a Moneylending operation.
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what is they sign the I owe U form and get the commisioner for oaths signature
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