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UOB Credit Card

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asked on Feb 4, 2017 at 13:58
by   Karen
edited on Feb 14, 2017 at 04:26
 
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 in RHB Bank. Few days back I tried to withdraw cash from RHB but failed. When I checked with customer service, they said my account is on hold and refer to home branch. I walk in to bank and was shocked to hear that my account in 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 account.

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 5, 2017 at 02:46
by   Karen
edited Feb 14, 2017 at 04:42
 
@vkpc

RM222.57 is small money. But in this kinda economic situation, every penny is worth. This is the balance fund from this January salary. This RHB account (salary account) was active till 25 January 2017 because that was my last transaction. On 31 January, I put an attempt to withdraw, transaction was unsuccessful. It means, my account was blocked recently. 

Please advise me is there any chance to unblock my RHB account so this month salary can be credited without any hassle. 
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answered on Feb 5, 2017 at 03:03
by   vkpc
edited Feb 14, 2017 at 04:42
 
Please advise me is there any chance to unblock my RHB account so this month salary can be credited without any hassle.
You think UOB will let go of your RM 222.57 after they spend RM 3,000 to get hold of it?
Count your lucky stars that only RM 222.57 was frozen. It could have been your whole salary.
It will be much less hassle to direct your HR Dept to use a new bank account.
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answered on Feb 5, 2017 at 03:19
by   Karen
edited Feb 14, 2017 at 04:59
 
@vkpc

Yes, very true. I consider lucky enough to use 90% of the salary. Hehehe.. 
Am I able open a new RHB account? Can I complain about this issue (freezing salary account) to Financial Mediation Bureau (FMB)? 
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answered on Feb 5, 2017 at 14:19
by   vkpc
edited Feb 14, 2017 at 05:00
 
Am I able open a new RHB account?
It is too risky to use same bank as it might be garnished as well.
Safest is to use another person's account or Joint Account.
You can open new bank accounts at other banks anytime. 
Try a lesser known bank like ICBC in Puchong.

Can I complain about this issue (freezing salary account) to Financial Mediation Bureau (FMB)?
What UOB and RHB is doing is legal and lawful, so what is there to complain about?
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answered on Feb 5, 2017 at 16:44
by   jeff005
edited Feb 14, 2017 at 05:01
 
You think UOB will let go of your RM 222.57 after they spend RM 3,000 to get hold of it?
I was right all the time. UOB has got funny lawyers.

This Garnishee Order have a validity period of 12 months and is in your name and directed to RHB. And can be renewed. This RHB account and any RHB accounts is dangerous to use now.

Have you ever use your RHB ATM card to withdraw from a UOB ATM machine?
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answered on Feb 5, 2017 at 18:50
by   Karen
edited Feb 14, 2017 at 05:01
 
Have you ever use your RHB ATM card to withdraw from a UOB ATM machine?
Nope. 
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