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Complaints - Please think carefully - Is all the Bank Scheme is helpful or worth ??? Decision is in your hand !!! |
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Written by Administrator |
Wednesday, 28 October 2009 17:32 |
![]() The scenario is like this:
The problem is like this: Assuming I follow the reschedule amount of RM1,200, and after more than one year I have financial difficulties and failed to pay that RM1,200 for 5 months and asked for another reschedule. But they asked me to pay the default payment of not RM1,200@ 5mths = RM6,000 but instead the default payment was calculated from the date of the reschedule of RM1,200 was approved and the amount was based on RM1932.29 monthly,which is I end up with the default of RM20,xxx and it is unfair to me. � When I asked the person incharge, they said that once I defaulted the reschedule scheme,� automatically the reschedule is voided and the default payment would be calculated based on the normal monthly payment of RM1,932.29 and times by the no of month defaulted. � When I ask from another banks , they are surprised with that calculation and that will not happen if I choose conventional financing. I hope this matter must be brought to bank Negara and bank Islam as well ,as I don't think that this scheme is helping me but instead killing me. Furthermore, my request for reschedule was rejected without concrete reason and I was trying to refinance the house by using my wife's name and the new Financial Institution asked for certain documentation and one of the documents must be getting from Bank islam. � I have faxed the letter to request for "Penyata baki Tebus Hutang" on 6th October and until to date I did not get the statement and I could not get the person in charge and the reason given was he is having training and seminar. Why they treated their customer like this and when can I get that statement? is it until my house get auction? NCCC Advice :�� Banking is one of the main complaints we received, dear consumers please be alert and be careful in whatever decision you undertakes.. Our advise to consumer will be as follows ;
LAST REMINDER NEVER EVER WAIT UNTIL THEY AUCTION YOUR HOUSE THERE ARE PLENTY OF TIME & WAYS TO WORKOUT.. Never ever wait untill last minute!!! Ms. Matheevani Marathandan Legal Executive/ Complaint Handling Manager Pusat Khidmat Aduan Pengguna Nasional National Consumer Complaints Centre E-mail : vani@nccc.org.my |