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Benarkah pembekuan akaun bank dan senarai CTOS jika tidak bayar tunggakan dengan Coway?

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asked on Jan 20, 2018 at 13:09
by   nsldma
edited on Feb 8, 2018 at 01:19
 
Benarkah ada tindakan undang-undang pembekuan akaun bank dan senarai CTOS jika tidak membayar tunggakan sebanyak RM625 pembelian sewa beli penapis air Coway? Tunggakan ini sudah lebih 6 bulan dan masih dalam lagi berjalan sewa beli penapis air tersebut.
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answered on Jan 24, 2018 at 10:37
by   Fazaly Ali
edited Feb 8, 2018 at 01:23
 
The issue is whether indebt of certain eligible a person's account to be freeze and subjected to CTOS list.

The answer would be not necessarily. CTOS is an agent of the bank approve by Bank Negara Malaysia (BNM) to list a person who are in debt. Such application will be made by the creditor. It is not law. But simply an act done by creditor to warn other creditor to be careful with this debtor (you). It does not freeze your account. Freezing account is on other issue of law which requires order from court, BNM or enforcement agencies.

In this case since it involve Coway installation, I believe there would be a contract signed by parties on right n responsibilities. Go through the contract first. Sometimes you have personally agree for your account to be freeze or be listed in CTOS if there are payment due.

Wish would help you a bit.
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