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UOB Credit Card Debt: Savings account with other bank blocked or frozen?

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asked on Feb 4, 2017 at 13:58
by   Karen
edited on Sep 24, 2018 at 03:35
 
I have a UOB credit card. I have been paying since March 2015. Due to some financial constraints, payments was overdue since July 2016. My salary account is with RHB Bank. Few days back I tried to withdraw cash from RHB but failed. When I checked with the customer service, they said my account is on hold and was referred to home branch. I walk in to bank and was shocked to hear that my account is blocked by UOB. I referred to UOB and the collection department staff said I need to settle my outstanding of RM2700 and later they will unfreeze all my accounts. I said I don't have any cash in hand and my accounts are frozen. How am I supposed to pay? They said that's none of their business. That's your problem. They even suggested me to borrow money from friends and pay at least RM1500 first and they will unblock all my accounts.

My question is can bank freeze our salary account? Is there any chance to unfreeze at least my salary account so I able to make payment?
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answered on Feb 4, 2017 at 16:39
by   vkpc
I walk in to RHB bank and was shocked to hear that my account in blocked by UOB.
Who did you speak to in RHB?  What is his/her name?  Which branch?

You can write a Letter of Demand to RHB to force them to un-block your account or else...
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answered on Feb 4, 2017 at 17:49
by   Karen
edited Feb 14, 2017 at 04:29
 
You can write a Letter of Demand to RHB to force them to un-block your account or else...  
Is it possible to unblock the account which blocked by other bank under Garnishee Proceeding? 
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answered on Feb 4, 2017 at 18:26
by   Anonmyous
Show proof that it is a salary account and you can get your money back.
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answered on Feb 4, 2017 at 18:33
by   Karen
edited Feb 14, 2017 at 04:30
 
Show proof that it is a salary account and you can get your money back
To whom should I show the proof. Can I refer to Bank Negara Malaysia (BNM)? 
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answered on Feb 4, 2017 at 19:39
by   Anonymous
edited Feb 14, 2017 at 04:31
 
To whom should I show the proof. Can I refer to Bank Negara Malaysia (BNM)?
Who applied for the Garnishee Order? Who approved the Order?
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answered on Feb 4, 2017 at 20:12
by   Karen
edited Feb 14, 2017 at 04:31
 
Who applied for the Garnishee Order? Who approved the Order?
UOB Bank.. Judgement provided by the court according to UOB. But I didn't receive any letters. As per bank, they have sent to my old address. 
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answered on Feb 4, 2017 at 20:25
by   vkpc
edited Feb 14, 2017 at 04:32
 
Go back to RHB and ask for a copy of the Garnishee Order and post it here for checking
Don't leave the bank until you get a copy.
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answered on Feb 5, 2017 at 01:28
by   Karen
edited Feb 14, 2017 at 04:32
 


@vkpc

Attached herewith the letter from RHB. 
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answered on Feb 5, 2017 at 02:25
by   vkpc
RM 227.57 doesn't seem to be a lot.  Are you sure you need this RM 227.57?
Maybe you should forgo this amount and work to ensure that your next salary is safe in a relative's account.

How did UOB find out that you have a RHB account?
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answered on Feb 5, 2017 at 02:30
by   vkpc
edited Feb 14, 2017 at 04:34
 
If your previous salary was banked into this frozen account, it is possible that the funds did not go in.

Normally funds cannot be banked in into a frozen account.

You can check with your employer to confirm that your salary had bounced (did not go in) and ask them to pay you that salary again in another form. (cash or using another person's account). Do not be shy or ashamed of this minor problem.
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