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CCRIS report tak appear rekod pinjaman kad kredit

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asked on Apr 13, 2017 at 20:48
by   Adda85
edited on Apr 25, 2017 at 07:30
 
Saya baru terima Laporan CCRIS dari Bank Negara Malaysia (BNM) untuk membuat permohonan AKPk. Saya mempunyai 2 loan:

1) Citibank Credit card
Kredit limit RM4,000 (lebih 7 tahun tak bayar)

2) CIMB (kereta dah lelong baki RM15,000)

Dalam report CCRIS, cuma ada CIMB sahaja. Pihak BNM minta saya call Citibank untuk tanya status loan credit card.

Soalan saya: 
1) Kenapa loan kad kredit saya tak appear dalam rekod CCRIS?
2) Haruskan saya call Citibank?
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answered on Apr 13, 2017 at 22:42
by   jeff005
edited Apr 13, 2017 at 22:48
by   jeff005
Answer to yr Qs
1. Tanya Bank
2. Tak payah hubong bank pada masa skrg.

Q's saya
3. Are you sure it is more than 72 months since your last payment to Citi.

4. What are your other debts that you need to join the DMP AKPK?

5. Did you have other cc or PL with Citi?

6. Is the Cimb car loan inside the DMP? Do give more details regarding this loan and repossession of car.  Dates and figures.
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answered on Apr 14, 2017 at 01:28
by   Adda85
@jeff005
Q's saya 
3. Are you sure it is more than 72 months since your last payment to Citi. 

Yes.. The last payment i did was on Feb 2010.

4. What are your other debts that you need to join the DMP AKPK? 
My Hire purchase loan under CIMB and citibank (but since no ccris record for Citi, can  i just proceed to do DMP for cimb) ? 

5. Did you have other cc or PL with Citi? 
No.only 1 CC.No personal loan. I only have 2debt ( Cc and car loan) 

6. Is the Cimb car loan inside the DMP? Do give more details regarding this loan and repossession of car.  Dates and figures
Yes i think.the car  has been lelong on 2012..
Balance need to pay is Rm15,249. On dec last year, bank Rep call and ask me to pay (they ask me to do initial payment for RM5K). Started on Jan i pay RM1000, Feb RM500 and Mac RM500. 

I check CTOS, only have 1 summon under CIMB.

Tq 
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answered on Apr 14, 2017 at 03:05
by   jeff005
edited Apr 14, 2017 at 03:55
by   jeff005
U have receipts for the 3 payments to CIMB?
Why you decide to go AKPK?
Can you afford the repayments?

My unprofessional suggestion.
1. u may not need AKPK
2. Do not make further payments on the car until you are sure where you stand.
You may be able to force a lesser monthly repayment schedule. Did CIMB ever threaten or intimidate you? Can you afford the monthly RM500?

Need to see yr CCRIS AND CTOS for better understanding. Can you post a clear jpg full size here? Lower yr jpg resolutions. Need to confirm if u hv ever been made a Judgement Debtor.

The bank rep should be a bill collection agency. Did they threaten you? You paid direct into CIMB. Can you describe to me how you made those payments? Your car loan ac has been closed. How did they activate banking in?

If you have dealt direct with CIMB, I will hands off. If it can be confirm they are bill collectors, I can teach you how to deal with them in the future.
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answered on Apr 14, 2017 at 03:33
by   jeff005
edited Apr 14, 2017 at 03:39
by   jeff005
Further notes.
What appeared in your CTOS can be records of the lelong of the car. May not be a judgement debtor yet.
Need visual confirmation.

Your post is not clear. Did you make any payments to CIMB since the bank rep contacted you in dec last year? I am oso a bank rep. I RAP them.
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answered on Apr 14, 2017 at 03:36
by   Adda85
This is my ctos record for your reference Mr Jeff
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answered on Apr 14, 2017 at 03:41
by   Adda85
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answered on Apr 14, 2017 at 03:43
by   Adda85
edited Apr 14, 2017 at 03:45
by   Adda85
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answered on Apr 14, 2017 at 03:50
by   jeff005
Too blurr for my poor old eyes. 
Can Pdf both CCRIS, CTOS to me?

Email.. bladirunner@gmail.com

Trust me. Yr details is P&C.

@ kiki
Bang.. bolih nampak da kena JD atau JID?
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answered on Apr 14, 2017 at 03:51
by   Adda85
Your post is not clear. Did you make any payments to CIMB since the bank rep contacted you in dec last year? I am oso a bank rep. I RAP them.
Yes. After i check,they are debt collector. I still kept the receipt. I pay 3 times (jan to march this year. I pay to cimb (acc is under my name but the number was given by DC)  
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answered on Apr 14, 2017 at 03:54
by   Adda85
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