Lowyat.NET: Latest topics by togekiss

Confinement lady recommendation

togekiss — Mon, 10 Feb 2025 11:36:01 +0800

Hi mummies!

I'm exploring confinement lady options and would love to know the typical rates for confinement lady services. I'm staying in petaling jaya. Any recommendations or insights on what's usually included in the price would be greatly appreciated. Also, what's the norm for angpows and other expenses for confinement ladies? Thanks in advance!

Affordable place to install rear cam

togekiss — Mon, 18 Nov 2024 17:47:20 +0800

Just wondering if anyone knows of any place with rahmah pricing to install rear cam. I have the product, but it's not easy to DIY in a tidy and proper way. Saw a review on Brothers and people commented that they charge cut-throat prices.

I am your policy

togekiss — Wed, 06 Nov 2024 14:58:02 +0800

My policy bought in 2008 had this. AIA coverage used to be so good.

Phuket Cruise (Genting Cruise)

togekiss — Wed, 11 Sep 2024 10:25:47 +0800

Cruise ship will be landing Deep Sea Port Thailand. Anyone have any experience on what's the safest place to tour after landing at Deep Sea Port Thailand?

TOTAL transaction limit for paywave

togekiss — Sun, 17 Mar 2024 11:11:56 +0800

just found out that my AEON credit card has a rm1k paywave limit. once you've reached that limit, you'll have to slot the card into the credit card machine to use the chip to pay before you can use the card in paywave method again. asked their customer service whether this limit can be increased and they say cannot. such a nuisance. a lot of credit card machines don't have the slot to even input the credit card. only through paywave or QR payment. have you guys experienced such a limit for paywave on your credit card before?

CTOS ordered to pay RM200,000 to businesswoman

togekiss — Mon, 11 Mar 2024 19:46:10 +0800

https://www.nst.com.my/news/crime-courts/20...google_vignette

KUALA LUMPUR: CTOS Data Systems Sdn Bhd (CTOS) does not have the power to formulate its own credit score, the High Court ruled recently.

Judge Datuk Akhtar Tahir said the credit rating agency was only empowered to be a repository of the credit information to which its subscribers have access.

He ruled that there was no provision in the Credit Reporting Agencies Act 2010 (CRAA) empowering CTOS to formulate a credit score or create its own criteria or percentage to formulate a credit score.

He said CTOS, besides providing credit information, had formulated a credit score based on criteria like payment history, amount owed, credit history length, credit mix, and new credit, each with assigned percentages determining a person's status.

"CTOS's main role is to collect, record, hold and store the information received.

"The company is also empowered to disseminate the information to its subscribers, and this includes financial institutions.

"By formulating a credit score, CTOS has gone beyond its statutory functions," he said.

Akhtar said this in his judgment before ordering CTOS to pay RM200,000 in general damages to Suriati Mohd Yusof, who owned a resort in Pulau Perhentian, for inaccurate credit rating.

The 43-year-old businesswoman sued CTOS for alleged negligence and breach of fiduciary duty in misrepresenting her credit rating leading to a loss of reputation, personal losses as well as business losses.

In May 2019, Suriati's application for a car loan was rejected due to a negative report from the defendant (CTOS).

Upon further inquiry, she discovered that the data collected and retained by the defendant was inaccurate, leading to a false negative rating for her.

Apart from inaccurate information, she contends that the defendant had given her a low credit score leading to loss of confidence from financial institutions.

The plaintiff found out that the credit score was based on inaccurate criteria which was not updated.

CTOS, however, argued that all information given was with the consent of the plaintiff and any information given by the defendant was subjected to verification by the parties applying for the report.

The court ruled that CRAA was enacted to empower credit agencies like the defendant to provide accurate credit information to facilitate financial agencies in approving and disbursing any financial aid to an applicant.

"Accurate information provided by the defendant was vital in the decision making of financial institutions.

"The defendant therefore had a duty to provide accurate credit information not only to the financial institutions but also to persons concerned against whom the information was related to.

"The plaintiff had evidence that the defendant was alerted that the information against her was inaccurate.

"The evidence in this case shows that the defendant chose to ignore the communication from the plaintiff and continued to maintain the said information," said Akhtar.

He said the least the defendant could have done was to either suspend the information pending verification or notify the subscribers or applicants that verification was underway.

"By choosing to be indifferent even after being alerted by the plaintiff, the defendant has clearly breached the duty of care owed towards the plaintiff."

Akhtar said the court has limited the damages awarded for the personal losses as the plaintiff's reputation as well as her relationship with her husband had broken down due to the defendant's negligence and breach of fiduciary duties.

The court also awarded RM50,000 in costs to the plaintiff.

Which is cheaper

togekiss — Sun, 10 Mar 2024 08:15:41 +0800

With the ever rising ticket price, which one offers a cheaper rate? Thought of watching Dune. Been a long time since I last went to the cinemas.

Memorandum of Transfer & Memorandum of Charge

togekiss — Tue, 14 Feb 2023 09:35:27 +0800

Just found out that the charges for MOT & MOC for my condo is pretty hefty. >RM20k on a property of RM700,000+. Wanted to ask the other homeowners here, do you guys pay these charges? Are there any penalties if we don't proceed to change the strata title? Thanks.

Need advice for reputable Samsung battery replacem

togekiss — Fri, 06 Jan 2023 02:08:24 +0800

I plan to replace my Samsung note 9 battery. Checked out Samsung's repair service for 1 utama and their review was only 3.4

A few users complained that instead of having their phone repaired properly, it came back with even more problems. Any recommendations for other Samsung service outlet that is actually more reliable?

The reason I'm thinking of going back to their official service centre is because I would prefer them replacing with a genuine samsung battery instead of an OEM from China which may not have the necessary safety features. Thanks.

refund for flight ticket

togekiss — Tue, 27 Dec 2022 11:04:20 +0800

hey guys, just wanna check with you. my mother in law is flying over from overseas to malaysia to attend a relative wedding. only problem is, my mother in-law's mother is quite old. if something happens to her before she flies over, will insurance be able to cover the cost of burning the ticket? flying via airasia. thanks.

Odin

togekiss — Wed, 17 Aug 2022 13:52:02 +0800

The Odin was a Terran Dominion heavy combat walker. It was the prototype for the smaller thor.

The Odin is designed for prolonged front line duty, with firepower capable of destroying entire cities. It is armed with two twin-linked T800 cannons, shoulder-mounted Hellfire missile pods, four 330mm howitzers, and at least one nuclear missile. The chassis is commensurately durable. The walker is well-suited to spearhead assaults on entrenched positions. The crew space includes a toilet.

My ODIN in action in a previous multiplayer game with friends.

[YOUTUBE]XAg9lPRwAZs[/YOUTUBE]

CG Malaysia exact revenge against India

togekiss — Wed, 03 Aug 2022 13:45:06 +0800

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