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> I am Blacklist.., Need Advise

Z3rOC00L
post Aug 28 2008, 04:50 PM


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I am now blacklisted due to my cc debts as i hav been jobless for 2 years but now i just got a steady job, i owed ambank=rm5k but now the statement is already rm13k and my citibank i used to owed rm7k now is alrd 18k, now i am planning to pay one of the bank first as i can't afford to pay 2 banks at once..let say if i wanted to pay ambank so can i negotiate with them for lesser amount to pay if i wanted to make full settlement, guys i really hope you guys will advise me ..thank you..

and one more thing i need to ask is can the bank confiscate our belongings if we are blacklisted? i don't have a car or a house but i wonder if they can confiscate my bed, tv, books clothing...etc..sry i am really have no idea about this kinda thing so i need advise ..thank you,, sad.gif

This post has been edited by Z3rOC00L: Aug 28 2008, 04:51 PM
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HonMun
post Aug 28 2008, 04:56 PM


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Did u get rude personal who rings you up regarding the debts ?
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Z3rOC00L
post Aug 28 2008, 05:00 PM


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QUOTE(HonMun @ Aug 28 2008, 04:56 PM)
Did u get rude personal who rings you up regarding the debts ?
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hmm as i remembered...never before...
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Playbook
post Aug 28 2008, 05:00 PM


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QUOTE(Z3rOC00L @ Aug 28 2008, 04:50 PM)
I am now blacklisted due to my cc debts as i hav been jobless for 2 years but now i just got a steady job, i owed ambank=rm5k but now the statement is already rm13k and my citibank i used to owed rm7k now is alrd 18k, now i am planning to pay one of the bank first as i can't afford to pay 2 banks at once..let say if i wanted to pay ambank so can i negotiate with them for lesser amount to pay if i wanted to make full settlement, guys i really hope you guys will advise me ..thank you..

and one more thing i need to ask is can the bank confiscate our belongings if we are blacklisted? i don't have a car or a house but i wonder if they can confiscate my bed, tv, books clothing...etc..sry i am really have no idea about this kinda thing so i need advise ..thank you,, sad.gif
Yes, you can negotiate for a reduction in the full amount in return for full settlement. That shouldn't be an issue. Just call and ask.
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jensen
post Aug 28 2008, 05:02 PM


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feel pity to ya dude, not sure how is the bank procedures but maybe balance transfer could help

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eddychstu
post Aug 28 2008, 05:08 PM


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:hm: how did u end up with such debt with no car or house?
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NaMyzarC
post Aug 28 2008, 05:09 PM


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don't be surprise if those ppl come after u becoz even bank now hired those called "debt collection agency" to do those dirty job in order to get the back their $$. go to bank and negotiate with them.
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Z3rOC00L
post Aug 28 2008, 05:15 PM


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thank you guys..really appreciate ur help here, i guess the best way now is to go to bank and nego with them..hope they can negotiate..if they want me to pay full i definitely dun have tat much..

This post has been edited by Z3rOC00L: Aug 28 2008, 05:15 PM
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tinkerbel
post Aug 28 2008, 05:20 PM


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Er.. banks actually give discounts for full payment settlement ?! This is CC bill we're talking about, not a loan.
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jensen
post Aug 28 2008, 05:21 PM


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QUOTE(NaMyzarC @ Aug 28 2008, 05:09 PM)
don't be surprise if those ppl come after u becoz even bank now hired those called "debt collection agency" to do those dirty job in order to get the back their $$.
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got such kind of thing?
wat will they do?
same as AH LONG?
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tinkerbel
post Aug 28 2008, 05:25 PM


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@jensen,
I don't think the banks care what those people do as long as the $ is collected biggrin.gif
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Z3rOC00L
post Aug 28 2008, 05:29 PM


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QUOTE(eddychstu @ Aug 28 2008, 05:08 PM)
:hm: how did u end up with such debt with no car or house?
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i used to be very spoilt when i was 24 yrs old and tat was several years back, i never saved any money even though tat time i got quite a decent monthly salary, during tat time i went to Thai very often for happy hour but unfortunately i was involved in a road accident in Thailand where a motorcyclist crashed on my car and i was put to jailed and was forced to pay around rm10k of bribes including the police there so i can get out free and back to Malaysia..so tat time i used up my credit card to pay the rm10k as i didnt have any savings tat time and after sometimes i lost my job and can't get a real ateady job for the past two years and that's how i ended up like shit now.. sad.gif i know it's all my fault...me to be blamed.. but i really wanted to pay up for all the shits i have done and cleared my name so i can have a better future...hope to get abit luck in negotiating with the bank soon..
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jensen
post Aug 28 2008, 05:36 PM


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QUOTE(Z3rOC00L @ Aug 28 2008, 05:29 PM)
i used to be very spoilt when i was 24 yrs old and tat was several years back, i never saved any money even though tat time i got quite a decent monthly salary, during tat time i went to Thai very often for happy hour but unfortunately i was involved in a road accident in Thailand where a motorcyclist crashed on my car and i was put to jailed and was forced to pay around rm10k of bribes including the police there so i can get out free and back to Malaysia..so tat time i used up my credit card to pay the rm10k as i didnt have any savings tat time and after sometimes i lost my job and can't get a real ateady job for the past two years and that's how i ended up like shit now.. sad.gif i know it's all my fault...me to be blamed.. but i really wanted to pay up for all the shits i have done and cleared my name so i can have a better future...hope to get abit luck in negotiating with the bank soon..
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wow...ur story is make me sweat.gif man
good luck to ya btw
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normeck
post Aug 28 2008, 05:58 PM


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wow!...ur story....now u have a job or not?
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Soon84
post Aug 28 2008, 06:03 PM


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what u working as now?
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SonnyCooL
post Aug 28 2008, 06:43 PM


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QUOTE(jensen @ Aug 28 2008, 05:21 PM)
got such kind of thing?
wat will they do?
same as AH LONG?
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= ah long = kongsi gelap ...
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Z3rOC00L
post Aug 28 2008, 06:48 PM


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QUOTE(normeck @ Aug 28 2008, 05:58 PM)
wow!...ur story....now u have a job or not?
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yeah..ofcos i am working now orelse i won't have the guts to call for full settlement.. sweat.gif
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cuebiz
post Aug 28 2008, 10:12 PM


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Go to AKPK for help if you want to nego with the banks on the interest http://www.akpk.org.my/
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shadowz
post Aug 28 2008, 11:59 PM


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yea do as cuebiz says and go akpk

They will help negotiate with the banks to reduce/work out payment plan for you and get u debt free. tongue.gif If u have loans with ahlong they cannot help but with banks they can.

Best of all its free smile.gif Make an appointment ASAP and see them.

Good luck with ur settlements...
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Z3rOC00L
post Aug 29 2008, 02:40 AM


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QUOTE(cuebiz @ Aug 28 2008, 10:12 PM)
Go to AKPK for help if you want to nego with the banks on the interest http://www.akpk.org.my/
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QUOTE(shadowz @ Aug 28 2008, 11:59 PM)
yea do as cuebiz says and go akpk

They will help negotiate with the banks to reduce/work out payment plan for you and get u debt free. tongue.gif If u have loans with ahlong they cannot help but with banks they can.

Best of all its free smile.gif Make an appointment ASAP and see them.

Good luck with ur settlements...
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Thank you guys, i will call up this akpk first thing tmr..thanks again..really appreciate the help.. notworthy.gif
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