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Saving Account di beku kan akibat tidak byr kredit kad

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Post time 2-5-2018 09:03 PM From the mobile phone | Show all posts |Read mode
Hi abg2 kakak2 yg dikasihi
adik nk minta nasihat ni..
saving acc sy di bekukan..maksudnya takleh masuk/keluar duit..
punca sbb sy x byr kad kredit 12k..
apa yg perlu sy buat?
adakah ini tanda sy bakal di bangkrapkan?
sy plan nk pinjam family je utk byr kad tu..
dari segi legal,  adakah sy perlu ke akpk atau insolvensi?

tolong saya
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Post time 2-5-2018 09:48 PM From the mobile phone | Show all posts
Saving account kat Maybank ke? Bank lain jarang freeze acc sbb hutang cc
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Post time 2-5-2018 10:09 PM From the mobile phone | Show all posts
Edited by moonbug at 2-5-2018 11:44 PM

Belum sampai libatkan insolvensi lagi kes ko ni.

First sekali, call bank. Tanya berapa tunggakan and apa option bank nak bagi. Selalunya ada 2 option.

Option 1: full settlement. Selalunya dpt discount sikit tapi kena bayar lump sum dalam masa terdekat.

Option 2: bayar sejumlah amount to show commitment, balance kena bayar instalment. Amount dan tenure bank akan fix. Option ni ada interest.

Lepas dah bincang dgn bank, bincang dgn family. Kalau boleh raise lump sum cash, better buat full settlement. Kalau tak boleh sediakan full amount, amik instalment option la.

Lepas dah decide, bank akan issue offer letter. Kalau option 1, bayar full, lps tu bank akan bagi release letter. Kalau option 2, bayar amount yg dipersetujui, lps tu bayar bulan-bulan ikut offer bank. Kalau miss, lagi tinggi interest dia charge.

Option 3: join AKPK. Nak join AKPK ni bukan boleh walk in je. Kena register, lps tu ada kaunseling and join seminar pengurusan kewangan AKPK. Lps dah hadir sesi tu, baru boleh masuk program AKPK. Pegawai akan sit down dgn ko and go through hutang-hutang and komitmen yg ko ada. Diorang akan deal dgn bank on your behalf utk dptkan jumlah bayaran yg semua pihak boleh agree. Lps tu, ko kena bayar lah ikut apa yg AKPK dah deal dgn bank. Nak join AKPK ni amik masa juga sebulan dua juga.

AKPK strict ya, bayar bulan-bulan tak boleh miss. Kalau miss, AKPK akan tendang dari program, tak boleh join balik dah. You are back at the mercy of debt collectors and/or banks. Pandai-pandailah setel sendiri.

Join AKPK ni penting kalau ko dah mmg tak mampu manage hutang sendiri and tak tahan nak hadap aggressive debt collectors. Bank/debt collectors takkan kacau dah kalau ko dah under pemantauan AKPK. Tapi sepanjang tempoh program, ko tak boleh buat sebarang komitmen kredit yg baru be it cc/loan. Kena tunggu habis program/hutang.

Tapi, syarat utama AKPK hutang ko mestilah belum masuk kes penghakiman/insolvensi. Kalau dah masuk court, AKPK pun dah tak boleh tolong. Itu cerita lain pulak.

Kalau bank dah file kes dekat court, ada notis tuntutan, ada no file mahkamah segala, baru la masuk cerita saman and kalau hutang lebih 30k (new limit 50k tak sure dah enforce belum) baru ada cerita muflis/insolvensi. Tapi plot dia panjangggggg sgt lagi.

Kes ko ni early stages lagi ni. Selagi ko takde terima notis tuntutan semua tu lah. Still boleh setel. Cepa-cepatlah contact bank ye. Diorang tak makan orang, jgn takut, diorang nak duit je. Setiap masalah ada jalan keluar dia. Yg perit and susah tu mmg part and parcel, sapa suruh hutang tak bayar. Learn your lesson ok, hutang wajiblah dibayar. Kthanksbye!

Edit: limit muflis baru 50k dah enforce belum? Ada yg tau?
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Post time 2-5-2018 10:12 PM From the mobile phone | Show all posts
moonbug replied at 2-5-2018 09:48 PM
Saving account kat Maybank ke? Bank lain jarang freeze acc sbb hutang cc

yupp adik kawan iols pn sama freeze akaun hutang kete kt maybank
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Post time 2-5-2018 10:22 PM From the mobile phone | Show all posts
12k tak kan bankrupt.. 36k ke atas je bankrupt
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Post time 2-5-2018 10:26 PM | Show all posts
idakamaruddin replied at 2-5-2018 10:12 PM
yupp adik kawan iols pn sama freeze akaun hutang kete kt maybank

Kawan i pun sama kena blacklist ngan maybank sebab x bayar kredit kad ngan kete.  Nasib baik la dia still boleh buka akaun bank lain utk gaji.. skrg dengar kata tgh bayar hutang maybank sikit2
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Post time 2-5-2018 10:48 PM From the mobile phone | Show all posts
SLAManya replied at 2-5-2018 10:22 PM
12k tak kan bankrupt.. 36k ke atas je bankrupt

Yg limit baru 50k tu dah enforce ke belum eh?
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Post time 2-5-2018 11:34 PM From the mobile phone | Show all posts
moonbug replied at 2-5-2018 02:48 PM
Yg limit baru 50k tu dah enforce ke belum eh?

Ooo husband i kata dah naik 40k
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Post time 2-5-2018 11:38 PM From the mobile phone | Show all posts
Husband i kata ada 3 level pattern payment yang bank akan freeze
I malas nak cerita details
Cuma bank msia je lah yang ada permission untuk buat gini, foreign bank tak buat sebab kea bayar service ke apa

So my advice, pergi refer akpk
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Post time 3-5-2018 01:29 AM From the mobile phone | Show all posts
30k ke atas baru boleh bankrap dik so bincang dgn bank utk monthly payment. Normally dorg bole bincang asalkan ada payment. Tapi setahu iolls la kan nak freeze acc bkn senang ye. Kena ada surat mahkamah selalunya baru bole freeze. Pelik dgr bank freeze sbb 12k je. Org yg dah bad npl dan write off pun bank tak leh freeze acc. Bole kena saman ooo pandai2 freeze acc cust ni
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Post time 3-5-2018 01:40 AM From the mobile phone | Show all posts
selalunya cc 12k ni bukanlah kes besar sgt smpi nk freeze atau bankrap. Nasihat aku ko bincang satu payment yg ko mampu bayar bulan2 tanpa gagal tanpa melalui akpk. Akpk ni bad record forever kat ctos.
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 Author| Post time 3-5-2018 09:33 AM From the mobile phone | Show all posts
Dollyzzzz replied at 3-5-2018 01:29 AM
30k ke atas baru boleh bankrap dik so bincang dgn bank utk monthly payment. Normally dorg bole binca ...

tp kak sy da tya bank tu, dia kata court order..tu yg cuakk
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Post time 3-5-2018 09:46 AM From the mobile phone | Show all posts
Dollyzzzz replied at 3-5-2018 01:29 AM
30k ke atas baru boleh bankrap dik so bincang dgn bank utk monthly payment. Normally dorg bole binca ...

Kawan ofis i hutang cc bank rimau 5k je, saving acc bank rimau dia kena freeze without any notice. Pegi bank nak bayar sikit tunggakan cc tu, account cc dah kena block tak boleh access. Kena deal dgn credit recovery terus. Takde surat mahkamah or any notice apa pun. Nasib baik acc gaji dia bank sotong
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Post time 3-5-2018 04:47 PM From the mobile phone | Show all posts
febreze replied at 3-5-2018 09:33 AM
tp kak sy da tya bank tu, dia kata court order..tu yg cuakk

Minta utk tgk court order tu. akak rasa ko punya kes ni mayb dah bagi pada debt collector. Debt collector ni cipan sikit cara kutip utang dah mcm along
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Post time 3-5-2018 04:50 PM From the mobile phone | Show all posts
moonbug replied at 3-5-2018 09:46 AM
Kawan ofis i hutang cc bank rimau 5k je, saving acc bank rimau dia kena freeze without any notice. ...

Rasanya masa sign cc bank rimau ni ada term yg bole freeze acc sekiranga takde payment beberapa bulan. Sbb bank lain takde tau. I sendiri nk freeze acc cust i kena ada court order. Cust i lagi la lebih ratus2 ribu pun takde freeze acc cumaaaa kalau degil sgt buat wss sita barang rumah la.
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Post time 3-5-2018 04:51 PM From the mobile phone | Show all posts
moonbug replied at 3-5-2018 09:46 AM
Kawan ofis i hutang cc bank rimau 5k je, saving acc bank rimau dia kena freeze without any notice. ...

Ok bank sotong ni bank mana wei...hahahaha..
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Post time 3-5-2018 04:52 PM From the mobile phone | Show all posts
Dollyzzzz replied at 3-5-2018 04:50 PM
Rasanya masa sign cc bank rimau ni ada term yg bole freeze acc sekiranga takde payment beberapa bu ...

Tu lah sbbnya kalau org ckp bank kena freeze je dah boleh agak bank rimau la tu. Sbb bank lain mmg tak pernah dgr kes freeze saving acc org sbb default
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Post time 3-5-2018 04:53 PM From the mobile phone | Show all posts
Dollyzzzz replied at 3-5-2018 04:51 PM
Ok bank sotong ni bank mana wei...hahahaha..

Alaaa si kurita merah tu cuolssss
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Post time 3-5-2018 05:22 PM | Show all posts

I plak pnah ade isu xdpt byr kad kredit dgn bank sotong masa kena retrenchment dulu. Amount I dlm 5K je...so i deal dgn bank and byr bulan2 RM250. xsmpai 2 thn pn i  da clear kn hutang I. Bile ade duit lebih tu, I negotiate dgn bank and mntak discount. Masa tu hutang I tggal lg RM1000++. I mntak discount RM500 lg...
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Post time 4-5-2018 03:24 PM | Show all posts
Maybank jer yang buat cani..selalunya kalo dia freeze..call bahagian credit card tu..nnti dia akan soh bayar sejumlah amount..lepas tu baru dia released lepas dia tolak jumlah dia nak tu...dan bulan2 berikutnya atleast paksa bayar minima sekurang kurangnya. kalau tak dia akan repeat benda yg sama...hanya bank rimau. huhu
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