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Maybank account blocked due to outstanding credit card balance

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asked on Sep 4, 2009 at 19:44
by   chichi
My Maybank saving account is blocked because i have an outstanding balance of RM6k on credit card and not able to pay the minimum amount.

I called them up and they encourage me to apply their "Term Loan" to cover the credit card outstanding balance and yet, they will still need to divert all the cash (only RM1400) from my saving account to the credit card payment.

My questions is, i heard they need the police report of court order to block my account right? What should I do now?
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10 Answers

answered on Sep 4, 2009 at 20:14
by   Know the pain
If you want your RM 1,400.00,go to AKPK and Enrol DMP.If you dont want your RM 1,400.00 then do exactly what Maybank said.No matter what you do nobody is going to unfreeze your account.After you enrol AKPK program than lodge complaint thru Prime Minister complaint Department website.Within 1 week your problem will be solved without any hassle.Trust me because I am one of the victim.
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answered on Sep 4, 2009 at 21:09
by   chichi
Yes i want my RM1400 back. I just call the tollfree number on AKPK website right? How to lodge complaint through Prime Minister complaint Department? (I couldn't find the correct link on the website for complaint)

Another thing i concern about: Will they call and follow up after i make the report and complaint? I don't want my parents to know about my problem
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answered on Sep 4, 2009 at 21:18
by   know the pain
This is their website - http://www.bpa.jpm.my/.Maybank not allowed to block any account unless you are bankrupt.
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answered on Sep 4, 2009 at 21:21
by   Know the pain
-Another thing i concern about: Will they call and follow up after i make the report and complaint? I don't want my parents to know about my problem

Yes they will call and send letter based on the info that you have provided.They will keep you posted.
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answered on Sep 4, 2009 at 21:22
by   chichi
Thank you very very much for your help!!
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answered on Sep 4, 2009 at 22:11
by   notalawyer
I think you guys are mistaken.
Going to AKPK and then to Jabatan Perdana Menteri will not get back your RM 1,400.00

What "Know the pain" advised is for cases where the credit card is with another bank.
For cases where the credit card is with the same bank (Maybank), the RM 1,400 is gone and cannot be recovered b'cos most credit card application forms where you signed when you first apply have clauses that allows the bank to "take" funds from your other accounts in the same bank.

There is nothing AKPK or JPM can do about it.
The RM 1,400 is gone for good.  Just stop putting more money into that account.
This is my opinion.
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answered on Sep 4, 2009 at 22:37
by   chichi
I just checked my account balance, yeah, it's GONE.
Now, by going to AKPK or JPM, would it help by 'unfreezing' my account?
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answered on Sep 4, 2009 at 22:41
by   chichi
One more questions, I have another saving account in Public Bank. Would it be affected?
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answered on Sep 4, 2009 at 22:51
by   notalawyer
The account is not "frozen".
If it is frozen, you wouldn't be able to check the balance.
It is not frozen so there is not need to unfreeze it.
It just have a black hole there where it will #### all money deposited.

No problem with the Public Account.
Use the Public Bank account in the future.
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answered on Sep 4, 2009 at 23:13
by   chichi
I see. Ok thank you very very much everyone here!!!
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