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What is Notice ECA?

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asked on Jan 15, 2019 at 17:53
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edited on Feb 12, 2019 at 03:18
 
I just received the following Notice ECA:

NOTIS PERLANTIKAN AGENSI KUTIPAN HUTANG

Adalah dimaklumkan bahawa AEON Credit Service (M) Berhad telah melantik agensi untuk membuat kutipan tunggakan/baki akaun anda. Untuk makluman, tiada sebarang perubahan ke atas semua hak dan tanggungjawab anda sepertimana yang terkandung di dalam Terma-terma dan Syarat-syarat bagi akaun anda.

Sila pastikan pihak agensi menunjukkan kad memberi kuasa dan surat memberi kuasa yang dikeluarkan oleh AEON Credit ketika berjumpa dan berbincang berhubung pembayaran hutang anda.

PERHATIAN : Wakil Agensi adalah tidak dibenarkan menerima pembayaran tunai dan hanya resit yang dikeluarkan oleh AEON Credit Service (M) Berhad dianggap sah. Pembayaran secara cek hendaklah dibuat di atas nama AEON Credit Service (M) Berhad, dan nama dan nombor akaun tuan/puan berserta nombor telefon hendaklah ditulis di belakang cek berkenaan sebagai rujukan.

Untuk sebarang pertanyaan sila hubungi kami, Bahagian Pengurusan Kredit di talian: 03-56298888 atau 03-50213682/ 3683/ 3684/ 3685/ 3686.
AEON Credit Service (M) Berhad

Agensi Kaunseling Dan Pengurusan Kredit (AKPK) telah ditubuhkan oleh Bank Negara Malaysia untuk menyediakan perkhidmatan pengurusan kewangan, kaunseling kredit, pendidikan kewangan dan penstrukturan semula pinjaman secara percuma kepada individu. Untuk pertanyaan, sila hubungi talian 03-26167766

NOTICE OF APPOINTMENT OF DEBT COLLECTION AGENCY

Please be informed that AEON Credit Service (M) Berhad has appointed an Agency, to represent us in the collection of your account arrears/balance. Please be further informed that your rights and obligations pursuant to the Terms and Conditions of your account shall remain unchanged.

Please ensure that the collector shows his/her Authorization Card and Authorization Letter issued by AEON Credit when approached for payment.

NOTE: The Agency’s representative is not allowed to accept cash payment and only AEON Credit Service (M) Berhad’s official receipt is considered valid. Any payment by cheque must made payable to AEON Credit Service (M) Berhad, and your name, account number and contact number must be stated at the back of the cheque for reference.
For any enquiries please call us, Credit Management Department at: 03-56298888 or 03-50213682/ 3683/ 3684/ 3685/ 3686
AEON Credit Service (M) Berhad.

Agensi Kaunseling Dan Pengurusan Kredit (AKPK) has been established by Bank Negara Malaysia to provide free services on money management, credit counseling, financial education and debt restructuring for individuals. For enquiries, please call 03-26167766

https://www.aeoncredit.com.my/notices/eca
It was sent via sms. With the message as below:

RM0.00 AEON CREDIT: Dimaklumkan, kami tlh melantik XXXXXX PARTNER, utk membuat kutipan tunggakan RM3,918.00 setakat 15.01.19 http://bit.ly/_ECA1

What does this mean?
Kindly advice.

I'm currently unemployed and can't make the payment.
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4 Answers

answered on Jan 22, 2019 at 15:38
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edited Feb 12, 2019 at 03:20
 
The debt collectors keep calling me to pay today. Then they also send SMSes everyday saying, 'akan buat lawatan rumah'.

I owe AEON:
Credit card - RM3,900
Personal Loan - RM6,800

RHB Easy:
RM16,000

My last payment was RM50 to each account on October 2018. RHB last payment was RM100 on July 2018.

The company that I was working for closed down, so I'm jobless now. That's why I defaulted in payments in the first place. I can't pay them anything now.

What do I do? I can't stand their calls and rudeness when they speak. Especially AEON debt collectors.

My questions are :
1) Can they bring me to court for this issue?
2) How do I deal with debt collectors?

Kindly advise me.
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answered on Jan 22, 2019 at 16:09
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What do I do? I can't stand their calls and rudeness when they speak.
Especially AEON debt collectors.  How do I deal with debt collectors?
a. Save their number every time they call so you know who is calling.
Then you can just ignore their calls the next time.  Cancel your house phone.

b. Use an English name like June or a nickname and ask all your friends to call you by that name.
Anybody ask for you real IC name, just say no such person and hang up.

c.  Anybody who calls up and starts the conversation with "Good Morning" or "Good Afternoon", just say Wrong Number and hang up.

1) Can they bring me to court for this issue?
Nobody can force you to go to Court.
Only you can decide to drive there or take a taxi or grab there.
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answered on Jan 22, 2019 at 17:23
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edited Feb 12, 2019 at 03:25
 
@vpkc, thank you for your advice.

Nobody can force you to go to Court. 
Only you can decide to drive there or take a taxi or grab there.


Maybe I was not specific in asking my question?

1) Can they sue me in court?
Is what I wanted to know. Considering the fact that they keep saying that failure to pay today and they will issue surat makhamah. So by that I will have to pay the amount owing in full and plus the makhamah charges.

This is my concern.
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answered on Jan 22, 2019 at 17:47
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edited Feb 12, 2019 at 03:26
 
Considering the fact that they keep saying that failure to pay today and they will issue surat makhamah.

Since today is already over, then no choice lah.
Wait to see whether they will sue or not.
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