Pengalaman buruk berkaitan servis bank tempatan
Pengalaman buruk berkaitan servis bank tempatan
I am very upset. I want to make a Car Loan from one of a local bank, then suddenly, I've informed that my name was already black listed in CCRIS. After I've made a review, I've found that I'm blacklisted coming from Maybank debts, on 2006. It's been 4 years then I've never recieve any letter, or even statement for my blacklist from maybank. Then, I brought this to maybank in Muar, at first, they simply said I have no debts with them. When I go to another branch, they said, I have a bad debts of rm778.00. (Why can every branch cannot detect the same data?)
They answer me "It's because every branch got their own system. so, if there is anything happen, we need to inform them manually"
But when I refer back to my payment slip, I have made a payment before.. Clear payment of rm778.00 to maybank. I brought the receipt to them, and ask them how can it end like this. And they simply said the don't know! (eventhough I've giving them more then 1 week to troubleshoot what happened to my accounts. Now, it has been more than 2 months!
They still cannot make it.. I don't really care what is their problem. The main thing is, I wan't them to clear off my name from any debts in their systems! I don't have any debts anymore!
I'm really upset with this! Now and then, Maybank staff didn't want to entertain me anymore. They even sometimes being rude when they hear my voice on the phone! ( i've never curse them or shout even once!)
HUrmmmmmmmmmmmmm... I never trust Maybank anymore...
Saya bersimpati dengan situasi yang sdr hadapi dengan masalah record upkeep kat bank berkenaan.
I too have similar experience with another local bank on a slightly different matter... but can be narrowed down to pin-point the problem.... ie record keeping at the branch itself. From my previous experience, the staff manning level at their branches varies depending on their business pursuit, for example emphasis on car end-financing, house purchase end-financing, business financing etc although in general most branches conduct their business based on their respective customer's requirement.
Coming back to your "problem" with the bank, if your account is maintained at a smaller branch, it is most likely that the branch is understaffed to upkeep all payment records onto their computerised system, hence it is as what you had described in your posting. Most localised state branch reports to a central control branch, and this is particularly true is as far as Maybank is concern (I am also an account holder at the this bank). An example, Maybank's branches around Seremban reports to their main office in town and this branch cum localised head office reports to their central reporting office based in Shah Alam.
This being the case, it is suggested that you first check with the localised reporting office for the complete payment details.... which I believe that you have already done. So get the offical record of your payment history from them.
With regards to CCRIS.... this is another story. All banks subscribe to this so-called central database of defaullters. Defaulters details are regularly being input into this database for all participating banks to cross-check detailed credit-rating background of borrowers. Whilst you may have defaulted/delayed payment before for whatever reasons, the bank would readily input your name into this system, the bank would not.... repeat WOULD NOT make any effort to clear or delete this imput even if you had made the full payment. The onus to clear your name is yours.... i.e. you must write in offically with appropriate supporting documents of payment clearance before your name is struck off this list.
You are not alone. I believe almost 99% of all income earning persons would have their name already registered in CCRIS since most of us would have delayed payment of our loans, credit cards, PTPTN, etc. But how many had made the effort to clear our name.
P/S: I am not working for any bank but the above is to assist you based on my findings when I conduct background credit check on my customers application for credit terms.
Thanks a lot for your clear Information, which I believed, might help me a lot!
mai nanti lepak TT ka, apa ka,...hehehe
I have completed (I believe) all the documents, and, I will bring this to bank Negara on Monday to clear for the CCRIS. But, my main concerne is, how can Bank Negara clear off my name from the list, if in the Maybank system itself still got debts under my name? Which I can say, they consider I never made any payment for those amount. Eventhough I have the copy of the bankers cheque that had been paid under my name. Its been a year!.
Payah sangat depa nk clear kan.. bila kite follow up, die kata, mintak tempoh 2-3 hari, follow up lg, nk 2-3 hari lg...smpai sy datang beberapa kali ke office jumpa officer yg handle my case. pun mintak tempoh 2-3 hari...die punya 2-3 hari, dh 2 bulan dah ni...nama sy x bleh clear kan jugak...
Today, early in the morning, I call him, one of the girl said, he's on leave... called at 11, he said he can release a letter, stated that I don't have any debts anymore with them. He ask me to come at 1 pm... at 1pm, I called him again, UNFORTUNATELY macam2 alasan dia bg... alasan yang pada saya (yg x blaja or tau ape2 pasal banking ni) rasa mcm alasan bodoh nak mampos... die ckp "ade itu hilang, ini hilang, so kite x boleh nk proceed lagi" die punya 'itu-ini' tu ape? bila saya tanya, die berdalih.... arghhhhhhhhhhhhh!!!!
dan maka dengan selambanya die berkata "ala, sy keluarkan je surat, cik boleh bawa surat ni ke bank yg cik nk buat loan tu, insyaallah boleh lepas"
saye bukan heran sgt dgn loan nye.. sy heran ape pasal dah makan tahun, nama saya tulih dok ada hutang lg ngn depa...hadoiiiiiiiii... sy minta diorg bukak sistem tu depan sy, trace nama and num ic, mmg terang lg bersuluh tulis situ sy ade bad debts on may2006... Mane tak nye kat CCRIS ade rekod taik anjing gitu... xkan 700 pun x mampu aku nk bayar selama 4 taun kan? jual mancis ja pun insyaallah buleh bayar dlm 4 taun tu...ceh.. x logik!..
sekarang nie bank malaysia yg byk aku guna cuma cimb, dan paling banyak banking aku buat kat HSBC Amanah...senang kat HSBC Amanah, tutup kul 9.30 malam, sabtu ahad pon bukak....layanan dia tip top....cuma caj mahal sikit dari maybank...huhuhu
aku tau pasal talian bebas tol nie bila aku buat aduan pasal branch putrajya, buat wire tranfer ke australia, ade ke dia hantar ke US??? dah aku kena caj berlipat kali ganda...bila ditanya dia kata aku tak inform, walhal dalam borang sebelum hantar tu diorang dah tanya 2-3 kali utk tulis clear ke mana duit tuh patut dihantar....tapi diorang lak yg hantar ke US?? adoooooiiiiii..........
tuh yg aku komplen giler2 kat dalam talian bebas tol ....
aik..bukan salah hang...awat jadik lagu tu plak..tak nak amik responsibility plak..huhuhuhu
macam aku..klu CS macam hampeh jer time aku bertanya..atau nak complain..aku cuma ckp satu ajer..'borang aduan ke Bank Negara ada tak?...tgk lar depa mengelupur..
yang bertulis plak...aku penah write up..klu takde apa2 maklumbalas atau tindakan daripada pihak bank dalam masa 7 hari waktu bekerja, aduan akan diajukan terus kepada pihak bank negara'...
"incik, suma benda yang incik mention ni saya dh buat..apa lg cik nk suh sy buat, sy dah pi buat dulu seblum2 ni lg..."
pehtu die buat muka terkejut beruk..depa bleh ingat aku memain...siap nk menganjing balik x tahan tuh...
"eh, awk refer ke mane? pandai2 awak je!..yeke awk dh buat ape yg sy suruh ni? biasa org mana tau procedure ni..biasa kena tunggu arahan dr pihak kami dulu.."
(mungkin die ingat die sorg je kt mesia ni keja bank kot..atau mungkin die tgk aku ni sengkek sangat, rambut pun x bersikat, pakai selipar jopun, turun naik masuk jmpa pegawai bank..mcm mintak sedekah la kan..so, xde la channel lain aku nak pi tanya selain tanya depa!! )
maka aku pun jawab
"haihh... tinggal last solution, saya komplen pi bank negara la kalau hal ni x setel..payah nau..." (kuar dah sleng melaka..ulau melengkau atas pagau!)
time tu die gabra... duk kalut truih nk janji itu ini... aku pun lembut hati pi pecaya ckp dia... haaaa...skang ni aku dah naik hantu!!!