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Tklake acrion under PDP Act

209 Views  ⚫  Asked 6 Months Ago
asked on Jan 20, 2022 at 13:07
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Hi estemmed forumers

If I may ask, can we take action on banks that sold our data to debt collectors under the Persinal Data Protection Acts as they don't have our consent to do so.

Thanks
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answered on Jan 20, 2022 at 14:11
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edited Jan 20, 2022 at 14:14
by   jeff005
Why ask Qs again when you did not update on your last enquiry?

as they don't have our consent to do so.
Why cannot? You have given your consent when you sign the application forms for credit cards, PL , Overdraft.. read back what you have signed before.. !!

take action on banks that sold our data to debt collectors
Can you confirm that and prove that your personal data has been sold? The debt can be sold via a Vesting Order thru a Perintah Mahkamah. You can go and challenged the courts. It is stated inside the Vesting Order that all personal data (including any lawsuits) must be given to the new creditor.

The DCs are representatives of the bank, they can chase you for the old debt. You expect the Chairman  of the Bank to go chase you personally in a limo?

The debts can also be assigned to the DCs via an assignment deed. So, what's wrong? To deal with DCs, ask for proof of representation or assignment of the debt (the Authority Letter from the Bank).

Personal Rantings

I feel it is so absurd that after 10 years of the PDPA enactment, people still interpret the Act wrongly, giving wrong information at kedai mamak borak2 sessions. One of the main reason is to stop online direct /ordering/ selling companies from sharing, exchanging personal data privately. This is rampant 15 years ago.

Your purchasing pattern is still being shared via the name on the card that you swipe at the petrol kiosks, Hypermarts, online cinema ticketing etc etc.. What is meant by personal data? It means your name, MyKad number, current handphone number, current residential address, vehicle registration, working address and contact numbers and your current image.

The banks sharing of limited data is ongoing now. So, what's the complaint?
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answered on Jan 20, 2022 at 14:19
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@jeff005

Noted and appreciate ur prompt answer and personal rant. 
Will act accordingly and study more on it
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answered on Jan 20, 2022 at 14:56
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edited Jan 20, 2022 at 15:07
by   jeff005


Tks for the update.. !!
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answered on Jan 20, 2022 at 21:41
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edited Jan 20, 2022 at 21:42
by   jeff005
@ elblako

I have explained more in the preface of this PDPA 2010 thread

Ref : https://www.lawyerment.com/answers/questions/14131/personal-data-protection-act-2010-pdpa

Yours is a commercial requirement under Financial Laws..
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answered on Jan 25, 2022 at 00:34
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