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        <title>Lowyat.NET: Latest topics by JoGaki</title>
        <description></description>
        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 27 Jun 2026 22:14:57 +0800</lastBuildDate>
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            <title>Cheated by Shopee - Item disappeared</title>
            <link>http://forum.lowyat.net/topic/5347925</link>
            <description>Ordered a Smart tag from Shopee 2 weeks ago.. estimated delivery promised in 3 days and it is 2weeks now and no sign of delivery. repeated reminders and calls yield nothing.. they say manpower shortage..&lt;br /&gt;&lt;br /&gt;what kind of reliability we can put on shopee??&lt;br /&gt;&lt;br /&gt;share your experience and advise pls&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/E6Zy8D' target='_blank'&gt;&lt;img src='https://pictr.com/images/2023/01/16/E6Zy8D.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 16 Jan 2023 08:57:51 +0800</pubDate>
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            <title>Does racism prevail still in Malaysia?</title>
            <link>http://forum.lowyat.net/topic/5345883</link>
            <description>Had overcome an incident...&lt;br /&gt;&lt;br /&gt;Recently an Indian friend of mine (local) has been looking for renting a landed property. He has been contacting many agents.. predominantly &amp;quot;C&amp;quot;.. All of them ask for the race and his background.. my friend is an Agro businessman hailing from Pahang and having a good income.. When the agents (most of them) knew his race, they said the property not available.. and my friend asked his chinese partner to enquire about the same property to same agent and was given the answer that it was available..&lt;br /&gt;&lt;br /&gt;Like this he encountered few cases.... I am wondering why such discrimination in this country still persist...&lt;br /&gt;&lt;br /&gt;So sad to hear such things... wont the people change?? &lt;!--emo&amp;:angry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/mad.gif' border='0' style='vertical-align:middle' alt='mad.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:ranting:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/ranting.gif' border='0' style='vertical-align:middle' alt='ranting.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Drillz for motivation...&lt;br /&gt;&lt;br /&gt;Cuci mata...&amp;nbsp; &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;!--SPOILER BEGIN--&gt;&lt;div class=&quot;spoilertop&quot; onClick=&quot;openClose('51c85d8a6aa37c8e7f0c0a9553d7f19c')&quot; style=&quot;font-weight: bold&quot;&gt;&lt;u&gt;&amp;raquo; Click to show Spoiler - click again to hide... &amp;laquo;&lt;/u&gt;&lt;/div&gt;&lt;div class=&quot;spoilermain&quot; id=&quot;51c85d8a6aa37c8e7f0c0a9553d7f19c&quot; style=&quot;display:none&quot;&gt;&lt;!--SPOILER END--&gt;&lt;img src='https://i.pinimg.com/564x/24/de/00/24de0091710de03ebeb0f178b779a6d0.jpg' border='0' alt='user posted image' /&gt;&lt;!--SPOILER DIV--&gt;&lt;/div&gt;&lt;!--SPOILER DIV--&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 09 Jan 2023 09:49:10 +0800</pubDate>
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            <title>Can suggest me a landed property in KL</title>
            <link>http://forum.lowyat.net/topic/5340943</link>
            <description>I am looking for renting a terrace house in a gated community in KL. should be secured... Condos not preferred&lt;br /&gt;&lt;br /&gt;Please suggest me   &lt;!--emo&amp;:peace:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/icon_rolleyes.gif' border='0' style='vertical-align:middle' alt='icon_rolleyes.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>JoGaki</author>
            <category>Property Talk</category>
            <pubDate>Wed, 21 Dec 2022 15:33:08 +0800</pubDate>
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            <title>American Citizenship Begging</title>
            <link>http://forum.lowyat.net/topic/5337023</link>
            <description>[tiktok]7174603912463404315[/tiktok]</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 08 Dec 2022 10:52:06 +0800</pubDate>
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            <title>Who is he to certify to buy used car?</title>
            <link>http://forum.lowyat.net/topic/5298618</link>
            <description>Why does Eric Cantana need to certify Malaysian Used cars for buying?? &lt;!--emo&amp;:furious:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/vmad.gif' border='0' style='vertical-align:middle' alt='vmad.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:ranting:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/ranting.gif' border='0' style='vertical-align:middle' alt='ranting.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:angry:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/mad.gif' border='0' style='vertical-align:middle' alt='mad.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;What is his credibility in Automotive Industry ?? especially in Malaysian Automotive??&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;PS: I see / get annoying ads on social media, radio on this  &lt;!--emo&amp;:facepalm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/doh.gif' border='0' style='vertical-align:middle' alt='doh.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 09 Aug 2022 10:49:51 +0800</pubDate>
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            <title>Johnny Depp - Pirates of the Carribean 6</title>
            <link>http://forum.lowyat.net/topic/5285915</link>
            <description>&lt;a href='https://www.tiktok.com/@raven6126/video/7114454811004783899?is_from_webapp=1&amp;sender_device=pc&amp;web_id=7061825082670761474' target='_blank'&gt;https://www.tiktok.com/@raven6126/video/711...825082670761474&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 29 Jun 2022 08:49:45 +0800</pubDate>
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            <title>Bangala fcuk Money Penny BFM89.9</title>
            <link>http://forum.lowyat.net/topic/5275809</link>
            <description>[TIKTOK]7096872957275884802[/TIKTOK]</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 27 May 2022 15:46:48 +0800</pubDate>
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            <title>4 Indian men rape a monitor lizard&amp;#33;</title>
            <link>http://forum.lowyat.net/topic/5273433</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;[TIKTOK]7087840366531005697[/TIKTOK]&lt;br /&gt;&lt;br /&gt;Enough said &amp;#33;&amp;#33;&amp;#33;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 20 May 2022 12:17:53 +0800</pubDate>
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            <title>Elon Musk is MUSKED by Amber Heard :)</title>
            <link>http://forum.lowyat.net/topic/5272969</link>
            <description>Here is the story...&lt;br /&gt;&lt;br /&gt;Elon Musk dated Amber heard for 7 months... but according to TMZ, he has been stalking her since 2012..He piap x2 her numeroud times.. even in JD&amp;#39;s apartment. Now she and Elon have preserved their embryos for some reasons. However, after splitting he went to counrt to get back his embryo.. if he is succesful or not God knows...&lt;br /&gt;&lt;br /&gt;Now a year ago Amber had a baby girl through IVF and &amp;quot;some&amp;quot; male embryo through a surrogate mother. All media speculate that it is Elon Musk&amp;#39;s embryo. &lt;br /&gt;&lt;br /&gt;If she loses JD case, she might go for a DNA test on her daughter and file a case on Elon Musk to extort maximum from him as child custody..&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;Now say who is smarter??? &lt;!--emo&amp;:stars:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/rclxub.gif' border='0' style='vertical-align:middle' alt='rclxub.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;[TIKTOK]7096608518047878442[/TIKTOK]&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt;  &lt;!--emo&amp;:lol:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/laugh.gif' border='0' style='vertical-align:middle' alt='laugh.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;More evidence&lt;br /&gt;&lt;br /&gt;[tiktok]7092866185976450310[/tiktok]</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 19 May 2022 09:20:14 +0800</pubDate>
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            <title>Doctor Strange actress Zara Phythian in Jail-8 yrs</title>
            <link>http://forum.lowyat.net/topic/5272747</link>
            <description>&lt;b&gt;Doctor Strange actress Zara Phythian sentenced to 8 years in prison&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;img src='https://www.asiaone.com/sites/default/files/styles/article_main_image/public/original_images/May2022/Zara%20Phythian.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Doctor Strange actress Zara Phythian sentenced to eight years in prison&lt;br /&gt;&lt;br /&gt;Doctor Strange actress Zara Phythian and her husband have been jailed for &lt;b&gt;child sex offences.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;Zara, who featured in the 2016 Marvel movie with Benedict Cumberbatch, was sentenced to eight years in prison while her martial arts instructor husband Victor Marke was sentenced to 14 years at Nottingham Crown Court on Monday (May 16).&lt;br /&gt;&lt;br /&gt;The pair had been found guilty last week of sexually abusing a 13-year-old girl together; Marke was also convicted for sexually abusing a 15-year-old girl on his own.&lt;br /&gt;&lt;br /&gt;Judge Mark Watson said that Marke, 59, was the &amp;quot;driving force behind the abuse&amp;quot;.&lt;br /&gt;&lt;br /&gt;Addressing Phythian, 37, the judge added: &amp;quot;Whilst you denied in cross-examination that you were besotted with Victor Marke, on the evidence I have heard I am in no doubt that your deviance was shaped by the influence that he had upon you from an early age.&amp;quot;&lt;br /&gt;&lt;br /&gt;The court heard how the pair had first met when he was her martial arts instructor before Phythian went on to have a successful career in martial arts as a stuntwoman and actress.&lt;br /&gt;&lt;br /&gt;In a victim impact statement read to the court, the teenage victim explained how she had been a &amp;quot;cheeky and socially awkward&amp;quot; 13-year-old who was an easy target for the couple.&lt;br /&gt;&lt;br /&gt;She said: &amp;quot;You robbed me of my innocence, corrupted me... leaving me unable to create good and balanced relationships.&amp;quot;&lt;br /&gt;&lt;br /&gt;The teenager told the court how she would regularly stay with the couple at their home and recalled how Phythian gave her rum and asked her if she wanted to play &amp;quot;dares&amp;quot; before Marke had sex with the pair.&lt;br /&gt;&lt;br /&gt;The abuse continued until she turned 18 and included Marke asking her to record him and Phythian together in an &amp;quot;attempt to recreate pornographic scenes&amp;quot;.&lt;br /&gt;&lt;br /&gt;As she was led away to the cells, Phythian waved at the public gallery as a woman shouted &amp;quot;I love you Zara&amp;quot;.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.asiaone.com/entertainment/doctor-strange-actress-zara-phythian-sentenced-8-years-prison' target='_blank'&gt;SOS&lt;/a&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 18 May 2022 14:16:30 +0800</pubDate>
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            <title>Good place to have a massage n relax in Penang</title>
            <link>http://forum.lowyat.net/topic/5271205</link>
            <description>I am on a trip to Penang tomorrow. Suggest me a place to have good massage and relax....  &lt;!--emo&amp;:drool:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/drool.gif' border='0' style='vertical-align:middle' alt='drool.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 13 May 2022 13:05:34 +0800</pubDate>
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            <title>Raped a Cat? How did he?</title>
            <link>http://forum.lowyat.net/topic/5270497</link>
            <description>&lt;br /&gt;&lt;img src='https://tnp.straitstimes.com/sites/default/files/styles/rl780/public/articles/2022/04/26/senior-citizen-cat-rape_990x660.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Old man in JB rapes cat to death at children’s playground, and two men in NT detonated firecrackers in cat’s anus&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;[tiktok]7090915819701488898[/tiktok]&lt;br /&gt;&lt;br /&gt;&lt;a href='https://tnp.straitstimes.com/news/world/malaysia-man-63-rapes-cat-death-faces-20-years-jail' target='_blank'&gt;https://tnp.straitstimes.com/news/world/mal...s-20-years-jail&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 11 May 2022 11:40:42 +0800</pubDate>
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            <title>Gloria Mangapakayo dongapakayo gir gir gir..</title>
            <link>http://forum.lowyat.net/topic/5270210</link>
            <description>&lt;a href='https://pictr.com/image/BJbixu' target='_blank'&gt;&lt;img src='https://pictr.com/images/2022/05/10/BJbixu.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Philippines Election: Democracy at Stake&lt;br /&gt;“This election is a clash of values, about how Filipinos see their past and envision their future.”&lt;br /&gt;&lt;br /&gt;Historic election in the Philippines. AJ correspondent Jamela Alindogan explains why this race is the most consequential.&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.aljazeera.com/program/between-us/2022/5/9/philippines-election-democracy-at-stake' target='_blank'&gt;https://www.aljazeera.com/program/between-u...ocracy-at-stake&lt;/a&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 10 May 2022 13:17:21 +0800</pubDate>
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            <title>Flight services not fully resumed</title>
            <link>http://forum.lowyat.net/topic/5269863</link>
            <description>I have been planning so,e getaway to Indonesia for a Piap Piap trip with exclusive contacts  &lt;!--emo&amp;:hehe:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/brows.gif' border='0' style='vertical-align:middle' alt='brows.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;- Bandung&lt;br /&gt;- Pontianak&lt;br /&gt;- Yogyakarta&lt;br /&gt;&lt;br /&gt;in Indonesia.. Did a wild search... No flights except to Jakarta and Bali  &lt;!--emo&amp;:confused:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/confused.gif' border='0' style='vertical-align:middle' alt='confused.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Mon, 09 May 2022 14:32:08 +0800</pubDate>
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            <title>Do Filipino girls like Bangladeshi guys?</title>
            <link>http://forum.lowyat.net/topic/5268993</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;Disclaimer :I dont want to sound racist &lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;&lt;br /&gt;&lt;br /&gt;&lt;i&gt;This example even applies to other foreign workers (India etc) But Bangaladeshis are dominant here&lt;/i&gt;&lt;br /&gt;&lt;br /&gt;Many Filipino women are usually married to Americans and Europeans if they opt not to marry a fellow Filipino. But, most cases have a cheated or failed relationships resulting in Angmoh being FFK/d. One of my director who is a British kena whacked like hell by his filipino GF aka wife and the case went to violence and ended up in police station several times....&lt;br /&gt;&lt;br /&gt;Main reasons for them to date a Bangala: &lt;!--emo&amp;:w--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/whistling.gif' border='0' style='vertical-align:middle' alt='whistling.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;&lt;img src='https://www.asiaone.com/A1MEDIA/news/03Mar12/20120307.125321_bangla1.jpg' border='0' alt='user posted image' /&gt;&lt;br /&gt;&lt;br /&gt;Bangladeshi boys are toy boys for S&amp;#39;pore women as well as Malaysian women in terms of strong  &lt;!--emo&amp;:bangwall:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/bangwall.gif' border='0' style='vertical-align:middle' alt='bangwall.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;They give the foreign workers money and shower them with gifts.&lt;br /&gt;&lt;br /&gt;Anything to buy their affection.&lt;br /&gt;&lt;br /&gt;And the women doing this are not domestic workers only but lonely local women also&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;PS: No racism intended here. it is just a open chat&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 06 May 2022 09:00:20 +0800</pubDate>
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            <title>Regarding OMI dating app../k opinion?</title>
            <link>http://forum.lowyat.net/topic/5264817</link>
            <description>My nephew and niece are using it to find their dates....&lt;br /&gt;&lt;br /&gt;I am worried a bit.. is it genuine?? reliable? &lt;!--emo&amp;:hmm:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/hmm.gif' border='0' style='vertical-align:middle' alt='hmm.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Thu, 21 Apr 2022 14:30:33 +0800</pubDate>
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            <title>Suggest me a Good King size matress</title>
            <link>http://forum.lowyat.net/topic/5262419</link>
            <description>Kindly suggest me a good kind size mattress as I have back pain issues. need a comfortable sleep&lt;br /&gt;&lt;br /&gt;Budget revise to 1200&lt;br /&gt;&lt;br /&gt;&lt;br /&gt; &lt;!--emo&amp;:respect:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /&gt;&lt;!--endemo--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 13 Apr 2022 11:11:40 +0800</pubDate>
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            <title>Diabetes is a colonial effect of British in Asia</title>
            <link>http://forum.lowyat.net/topic/5260965</link>
            <description>[YOUTUBE]5otEcu4uLBE[/YOUTUBE]&lt;br /&gt;&lt;br /&gt;Experts say South Asian bodies are suffering because of the British Raj. The repeated famines have reportedly made Indians, Bangladeshis and Pakistanis more susceptible to diabetes. Palki Sharma tells you how our body is still paying the price for the Raj&amp;#39;s discriminatory policies.</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Fri, 08 Apr 2022 09:38:27 +0800</pubDate>
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            <title>Comedian Kumar explains &amp;#33; typical sex experience</title>
            <link>http://forum.lowyat.net/topic/5260327</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;[vimeo]696374162[/vimeo]&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Wed, 06 Apr 2022 11:31:50 +0800</pubDate>
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            <title>CTOS assessment</title>
            <link>http://forum.lowyat.net/topic/5260025</link>
            <description>&lt;!--QuoteBegin--&gt;&lt;div class='quotetop'&gt;QUOTE&lt;/div&gt;&lt;div class='quotemain'&gt;&lt;!--QuoteEBegin--&gt;I have been trying to rent a home through speedhome. I submitted my documents I etc... later someone (a virtual agent) say I have loan repayment issues (like forfeited ??) and declined to proceed... &lt;!--emo&amp;:confused:--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/confused.gif' border='0' style='vertical-align:middle' alt='confused.gif' /&gt;&lt;!--endemo--&gt; &lt;br /&gt;&lt;br /&gt;Honestly&lt;br /&gt;&lt;br /&gt;I earn a 5 digit salary, paid all taxes till date&lt;br /&gt;&lt;br /&gt;I have 1 credit card only with bills paid up todate and a car loan balance 40k going to end in an year...&lt;br /&gt;&lt;br /&gt;I checked my CTOS score and it is over 700 which is &amp;quot;Very good&amp;quot;&lt;br /&gt;&lt;br /&gt;Then why these speedhome idiots decline ?? &lt;b&gt;Experts advise please&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;&lt;!--QuoteEnd--&gt;&lt;/div&gt;&lt;!--QuoteEEnd--&gt;</description>
            <author>JoGaki</author>
            <category>Kopitiam</category>
            <pubDate>Tue, 05 Apr 2022 11:32:52 +0800</pubDate>
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