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Bank Call untuk ambil gambar

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asked on May 18, 2016 at 20:28
by   birdurst
Hi.. Saya ada rumah yang di beli pada tahun 2009, atas masalah kewangan, untuk bulan mei ini saya sudah tertunggak selama 4 bulan bayaran. Saya bercadang untuk bayar sebulan pada 25 mei, dan bayar penuh semua tunggakan pada 25 Jun. 

Tapi hari ni pihak CIMB call bagi tempoh hingga lusa untuk bayar minimum RM 3500. And after lusa, bank akan datang rumah ambil gambar.

Anyone can suggest me ( by considering saya ada masalah kewangan), if I should stick to my plan? 
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7 Answers
answered on May 18, 2016 at 21:30
by   jeff005
Pay 2 months before due date now before 25 mei.

That would give you breathing space.
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answered on May 18, 2016 at 21:47
by   birdurst
Im considering to pay 1 month before 25 Mei, and pay the rest of the tunggakan on 23 june. Can I do that? 

Thanks Jeff005
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answered on May 18, 2016 at 22:23
by   jeff005
What is the due date?
You pay by CDM or cheque?
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answered on May 19, 2016 at 12:29
by   birdurst
The person on the phone said she give me time until this friday..

Can I pay 1 month with CDM and 1 month use cheque ( post date cheque to 26 june )?
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answered on May 19, 2016 at 15:27
by   jeff005
I assume the due date is 26th of the month.

And you are paying by cheque?

on 26 mei you are 4 months overdue.

you pay CDM 1 month before 26 mei, on 27 mei your records on the computer will show you are on the 4th month tertunggak. Is your issue solved?

You give cheque on 26 th June and the cheque will clear a few days later and sometimes the bank clerk can forget to bank it in. On 27th june, your records will show 5th month tertunggak.

Your banking records and CCRIS will still show bad paymaster record.

Note 26 june is a sunday.

And after lusa, bank akan datang rumah ambil gambar. 
The bank recovery dept is just trying to scare you.
But things can go bad. You are in the "red" zone.
Every month they will still call you and lusa they come to ambil gambar.

Try to borrow 2 months from relatives and friends and pay them back by month end.
Try to appeal for change of dates of repayment after your salary is out.
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answered on May 19, 2016 at 16:21
by   birdurst
Thank you jeff005

The due date is on month end every month. Actually my plan for settlement is Pay 1 month by 26 May, then Pay the rest of the tunggakan + current monthly payment on 26 June ( The time I will receive my bonuses ). Can I do that? I just need to buy some time. 

And If possible, I am trying not to involve my friend and relatives in this matter. Hopefully lah.
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answered on May 19, 2016 at 17:10
by   jeff005
It is quite risky to give P/D cheques.

However you are the best judge of your own case and financial situation.

Try to pay 2 months before end of this month. For sure you have "bought" your time.
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