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Bank closing of Personal Banking Accounts (Why). What are the possible causes that lead to this action?

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asked on Mar 1, 2021 at 08:12
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This topic is discussed further with regards to the following Query :

asked on Jun 2, 2020 at 00:07
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Gunamalini

akaun cimb dan bank rakyat saya telah tutup oleh pihak bank, bila saya tanya bank mereka bgtaw saya telah gunakan akaun saya untuk bisnes dan ada transaction keluar masuk banyak, i buka akaun saya semasa i study lepas tu saya gunakan akaun bank sama untuk online bisnes , so sekarang i tak boleh buka akaun bank di semua bank. i dah check ctos, blacklist , dah buat laporan polis semua tapi still saya tidak boleh buka akaun 
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answered on Oct 27, 2021 at 23:59
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edited Oct 28, 2021 at 00:12
by   jeff005
@ Feecha

Actually I requested to post under this thread as I do not reply to private emails.

issued me with abuse of usage acct
You can use your savings acct to perform online transaction.
When all banks starts to blacklist you from opening new accts, there is a high chance there is a blacklisting direct from BNM.

Buying online is suitable with only reputable local merchandize. If you buy from anywhere, everywhere you could hit into a vendor who can be a front for illegal activities like "supporting" terrorism. This is a very subjective matter.

Do as I am suggesting now.

You use your ex student acct for wages bank-in from your new employer.

1.  Write a formal letter to the bank to inform the bank that you will be using this acct for the purpose of monthly salary credits.

2.  Enclose a copy of your employment contract which should include your basic salary.

3.  Write /print 2 copies and hand in the letter and get an endorsement receipt from the bank using the 2nd copy.

4.  Make sure you use this last possible savings acct wisely. Stop shopping online. It is never safe. People/hackers could have stolen your id and have done something which cannot be proven that you did not do it.

Be very careful of online purchase transaction. Scammers can use your password and id. Nasty issues can happen as have had happened to so many people.

After a few years of using this acct wisely, perhaps the blacklisting will expire and you can buy car and house..

Good Luck dear..
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answered on Oct 28, 2021 at 00:21
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I understand it completely and will do immediately 🥺 but im worried, what if, when i write the formal letter and hand in to my (ex student) bank, will the bank checked my blacklisted status using my ic and don't want to approve of it then will ask to close this acct bank as well? Or it won't matter since the bank acct already activated? what can i do to clear my name from this BNM blacklisting? 
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answered on Oct 28, 2021 at 00:25
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edited Oct 28, 2021 at 01:36
by   jeff005
Excerpts :

"but im worried, what if, when i write the formal letter and hand in to the ex student bank, will the bank checked my blacklisted status using my ic and don't want to approve of it then will ask to close this acct bank as well? Or what can i do to clear my name from this BNM?"

My view :

Do you have another choice?

If the blacklisting is from BNM, there is no way you can avoid it. It is on the banks systems which is shared with BNM.

Under Employment Laws, you should have a savings acct for the purpose of salary /wages bank-ins. It is mandated by Laws and the employer have to comply to it.

Come back here if the bank also close this account. 
Then try to open a Joint Savings Acct with your father's name as first name.
If it fails again, then inform your employer of your predicament.
Seek permission from your employer to bank-in your wages into your father's account.

what can i do to clear my name from this BNM blacklisting?
At this point of time, I do not think you can clear your name.

The clearing is by operating this old acct properly for at least 1-2 years. Use cash to buy things. No other deposits other than your salary. 
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answered on Oct 28, 2021 at 15:49
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The dangers and risks on "online transactions"

A total of 15,935 online cheating cases with losses amounting to about RM380 million were recorded in the first nine months of this year, said Bukit Aman Commercial CID (CCID) (Money Laundering/Forensic Accounting Investigation) deputy director Datuk Muhammed Hasbullah Ali.

Ref : https://www.thesundaily.my/home/15935-online-cheating-cases-involving-rm380-mln-in-losses-recorded-from-jan-sept-2021-EY8504006
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answered on Nov 24, 2021 at 14:50
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Hi Frenchay, did you manage to open an account just for salary crediting upon jeff005 comments?
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answered on Nov 24, 2021 at 16:58
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@ Subby 
Can I ask, which bank is that? 
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answered on Nov 27, 2021 at 17:59
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I faced similar issue as Subby
Before this , in the middle of last year, I kena a few bank account closed , all same "reasoning" on the letter - we have the right to close your account without giving a reason
Then nothing happened, until this month - I kena again

Anyone facing similar issues please PM - but I think on this platform you need to add friend first before you can PM 
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answered on Nov 27, 2021 at 23:16
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edited Nov 27, 2021 at 23:17
by   Tanavaroot
I have added you, why didn't you reply me?

You thinK? What makes you think ppl wants to befriend someone who can be on the BNM blacklist? Why should ppl teach you how to overcome your personal problem? How much you offer to get out your problem?

Think again... don't be brutal
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answered on Jan 25, 2022 at 21:21
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New Query transferred here :

asked on Jan 25, 2022 at 19:38
by   
Nash7

Hi Salam sejahtera, 
Sya nk mnta pndapat, Akaun Bank saya telah trlibat dgn pmbelian krypto dan telah disabit kslahan oleh mahkamah di bwah akta 29(1) kesalahan kecil & byr denda 1k pda tahun lpas.. Di sbbkn itu skrg sya tidak boleh buka saving akaun di cimb atas alasan system block profile saya tpi bank yg sedia ada sya msih bleh guna.. Mcm mna mahu slsai kn msalah ini sedangkn kes sya sudah pun selesai.. Adakah disbbkn kslahan tu sya ada record jenayah & adakah ianya boleh dipadam? Tolong bantu saya
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answered on Jan 25, 2022 at 22:00
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edited Jan 25, 2022 at 22:11
by   jeff005
Section 29(1) of the Minor Offences 1955 Act.

(maximum fine of RM1,000, in default a month’s jail)

---------------------------------

Any jailable offence is a criminal offence in nature, be it minor or serious.

Conviction will be recorded and documented - cannot be "padamkan".

It is up to individual bank policies to open or not to open a new account.

Background info :
KUALA LUMPUR, July 16 — If you allow someone to use your bank account for illegal purposes — often referred to as “mule bank accounts” — you are breaking the law. Even if you are not directly involved in whatever your “renter” does.

Bukit Aman Commercial Crimes Investigation Department (CCID) acting director Commissioner Datuk Saiful Azly Kamaruddin, in an interview with Malay Mail, said many of those who rent out their bank accounts think what they are doing is not illegal.

Their motive, he said, is to make some quick cash as the scammers pay them for allowing them to use their bank accounts.

He added that these money mules can be charged under Section 424 of the Penal Code for fraudulently concealing monies and Section 29(1) of the Minor Offences Act 1955 for being in possession of stolen goods.

di bwah akta 29(1) kesalahan kecil 
Ade kesalahan means ade perbuatan salah atas undang2.. betul?
Note that this is an "AKTA"..

Stealing a RM10 bar of chocolate from a supermarket or convenience store is stealing /shoplifting and be jailed.
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