Lowyat.NET: Latest topics by dada523

Question about PTPTN loan CCRIS Thing

dada523 — Thu, 10 May 2018 01:16:36 +0800

Got a few questions.
Wanna apply for credit card and personal loan thing for some urgent matter.
But ptptn ccris bad payment.
Already cleared nearly half of it.

My question is, if I restructured the ptptn loan, anyone has successful application on the bank personal loan?
And if restructured ptptn, possible to apply for public bank credit card or maybank credit card?

And how long the restructured ptptn would reflect on ccris?

Another option I have is cleared all the ptptn loan using epf account 2.
If I cleared the ptptn using epf, will it directly take off ptptn loan from my ccris?
Because currently got pending months record, personal loan and credit card will probably fail.

Urgent questions on personal loan thing

dada523 — Tue, 08 May 2018 16:11:35 +0800

Hi, you guys have any ideas about my scenario?
I applied on hlb and rhb loan.
My salary for the past 6 months average arrange rm3.5k
Basic salary 2.5k, the rest came from commission.
But I don’t have epf.
Ccris currently ptptn 25 late payments.

Hlb told me can try to apply. Got rejected yesterday.
Tried rhb today and rhb scoring I failed.
Aeon credit no update.

I was applying hlb 20k 3 years
Rhb 16k 2years

Can anyone with experience let me know is it because of no epf or ptptn on ccris causing the loan failure?

If because of ptptn, I do restructure by paying half of the payment, is it possible to get approval from other banks?
I saw maybank also offering competitive rates but can’t simply try now. Once got rejected it will be another 6 months of waiting.

Issue resolved

dada523 — Sun, 22 Nov 2015 12:20:25 +0800

This is a thread regarding P1 issue.
After a long months, seller has finally reaching out to refund partially after the failure to deliver of product and service.

The refund has been made. It is better than nothing left after all, so the thread will be removed once and for all.

Conman: Hezlina Binti Zakaria

dada523 — Fri, 11 Oct 2013 17:41:01 +0800

Becareful of
Name: Hezlina Binti Zakaria
CIMB Bank: 09020106835528
Contact: 013-4190359 , 013-4531129

Item being bought: Aigopad M60

Date of transaction: 29 September 2013

Details of the complaint :
Bought an Aigopad from her, since the price is not expensive so I was okay with postage.
She is from Kedah.
Been almost two weeks, told me item has been pos and given me a Gdex tracking number, can't be tracked until now.
Luckily the amount is not big, but I would never go for postage if the amount any greater than RM200.
Be very careful about this person, got so many freaking reasons and been keep on waiting until now..
Talking all shit about refund but none been done.
Might approach you through pm or phone contact, just beware.

I am not hoping to get back the money d, just about RM110.
Just wanna inform all lowyat forumers, beware of this person!