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Sample letter to OCBC

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asked on Dec 31, 2017 at 00:11
by   Leslie
edited on Jan 10, 2018 at 07:46
 
I would like seek your assistance, helps and opinions in composing a letter to OCBC responding to their persistence calling and threatening message. 

Account type: OCBC cash financing-i, outstanding balance as at today ~RM75,000
Received letter of Demand of Recall in 2013 which I have replied, status as in CCRIS is Writ/Summon, but I didn't receive anything!

Recently they have been very aggressive and rude causing me a lot of emotional stress.

As this is my first post in this forum, please let me know if I missed out any details. I will skip the introduction to myself as the letter is self explanatory.

Here is my draft:

Dear Cik ....

PRIVATE & CONFIDENTIAL
WITHOUT PREJUDICE

Attached are my medical reports together with my photocopy of my Mental OKU card for your reference.
 
Kindly take note that I have Bipolar Disorder (a type of mental disorder) and Psoriasis plus Psoriasis Arthritis (a type of auto-immune system disorder requiring strong medication) and suicidal tendencies (Please refer to attached Medical Report from UH) and breakdowns where I was admitted to Putrajaya Hospital twice (Please refer to attached 2 medical reports from Putrajaya Hospital & psychiatrist).
 
With these 2 serious and disabling health issues, eventually I couldn’t no longer hold proper job due to my poor performance and attendance.
 
Take Further Notice that harassment from Debt collectors (not only to me but to My Family, Friends and Co-worker also) and stressful court proceedings may induce bipolar depressive episode and suicidal thoughts in me whereby creating significant risks to myself and those around me.  For example, I was admitted to University Hospital on 11th Dec 2012 after overdosed of medicines as an attempt to end my own life. 

Therefore, if the bank and Debt Collectors continue to harass me and result in me incurring additional medical treatments, I honestly feel that the bank, Debt collectors, and legal firms are responsible and should bear the medical costs and even my own life.
 
As such, please consider to discontinue legal actions against me immediately.
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6 Answers

answered on Dec 31, 2017 at 10:37
by   Jude Law
@Leslie, 

I found the following in William Chan's book, pasting them here just for your reference.

When customers face financial difficulties (due to medical conditions), it is ethically and morally wrong for the bank to increase their burden by charging additional interest, late fees, legal fees, etc (or harassing....) 
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answered on Dec 31, 2017 at 22:04
by   Mokhtar
edited Jan 10, 2018 at 07:48
 
@Leslie

You might want to add in the definition of OKU by Jabatan Kebajikan Masyarakat below, as Bankers and Debt Collectors can be quite ignorance at times.

Definition: Handicapped (OKU) is a person with disabilities in terms of long-term physical, mental, intellectual or sensory when faced with various barriers may not be able to participate fully and effectively in society
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answered on Jan 1, 2018 at 18:02
by   mike
edited Jan 10, 2018 at 07:51
 
As such, please consider to discontinue legal actions against me immediately.
Maybe you should not 'demand' the bank to discontinue legal action against you yet, just write to the bank requesting them to stop their Debt collectors from harassing you.

The bank will study the legal implication of your sickness to them without you be seen as trying to get away from the debts.
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answered on Jan 1, 2018 at 18:12
by   Josh
edited Jan 10, 2018 at 07:52
 
She is just threatening the banks.

If you owe people money, people cannot call? Why legal firm has to bear her medical costs when they are initiating a legal lawsuit for the clients?

Threatening with suicide now again is just her emotions acting up as she may have skipped on her regular medication or need a more stronger medicines.

Just call  "The Befrienders".
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answered on Jan 1, 2018 at 18:45
by   vkpc
If you owe people money, people cannot call?
Once you inform the creditor that you do not want them to call, then they should not call lah.
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answered on Jan 2, 2018 at 15:22
by   Leslie
edited Jan 10, 2018 at 07:54
 
Thanks for your reply guys, especially Mike.

@Mike

As such, please consider to discontinue legal actions against me immediately. 
Maybe you should not 'demand' the bank to discontinue legal action against you yet, just write to the bank requesting them to stop their Debt Collector from harassing you. 

The bank will study the legal implication of your sickness to them without you be seen as trying to get away from the debts.

Should I put it as:

As such, please stop the Debt Collector from harassing me.
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