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HOW TO REMOVE NAME FROM BANK NEGARA BLACK LIST, finance
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mbr193
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 Aug 13 2010, 11:19 AM
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New Member
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QUOTE(wodenus @ Jun 3 2010, 03:02 PM) You can't. That's why I say, make one mistake, and your life is over. CTOS does not create reports, they just list the facts, that you defaulted, and you have repaid. When I was in the CC dept of a bank, we used to routinely decline anyone who turned up in the database. Doesn't matter who or why or what, as long as you're there you got no loans. If you apply for a job, some will ask you whether you have ever defaulted, whether you have ever been a bankrupt. If you have they won't hire you. It's the same with criminals. If you have a criminal record, you will not get hired. If you get arrested for petty theft or trespassing or whatever when you're young and don't know any better, your entire life is shot.
Added on August 13, 2010, 11:41 amQUOTE(mbr193 @ Aug 13 2010, 11:19 AM) Bankers always think the bank is belonging to them..please differentiate between criminal and financial commitment. You can't compare between criminal record and integrity or attitude record of the person. Bankers always refer to CCRIS and CTOS as their main reference to access financial capability of their potential customers. For example, 5 years back the customer only hold an executive post with salary of RM2500, and now he is the manager with the salary of RM5000 but problem with Credit Card. Banks should consider the financial capability based on income and not the previous income. Seldom bank officers did this. They only refer to CTOS and CCRIS and work like 'ROBOT' with Standard Operating Procedures and documents. No judgment and discretion at all. Good example i would say, if the new car loan marked up till 100%, and the submission of documentation from dealers are fakes, the bankers always refer to document, document, document..even the documents are fakes! no physical checking to the car whether the model or variant is similiar with the car invoice! I would say, bankers need to do paradigm shift in providing loan to customers. The government of Malaysia has awarded a Bank license to give and offer financial services to customer. Without customer, Bank will never survive. Please bankers..you work for the bank and the shareholder..please help people who really need assistance from you. Don't punish them with the bad record and don't compare criminal record and financial capability, that is totally WRONG! This post has been edited by mbr193: Aug 13 2010, 11:41 AM |
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