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Urgent!!: UOB credit card debt

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asked on Mar 22, 2015 at 11:39
by   AngryMan
My scenario: i stopped paying my cc since oct 2014 because im not satisfy with the bank services

Amount owe : RM3500, by now should be around RM5000 including so called "legal fees"

Received call : from various authorities (bank debts dept, outsourced debt collector company, etc)

Now: i was served with a letter dated 6/3/2015 summoning me to court hearing on 26/3/2015(in few days time-EXCITED  ).

What i want now? : to settle the amount 1 kali

Question 1 : I need to attend the court hearing?

Question 2 : How? Whr? who? i need to call or look for to "negotiate" for a lump sum payment? Do i need to write in officially? or call uob debts dept? or i can just walk in to any uob branch?
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answered on Mar 22, 2015 at 19:38
by   Coolguy
Question 2 : How? Whr? who?
The entity that sent u the letter.
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answered on Mar 22, 2015 at 22:52
by   AngryMan
Goh Rafidah Tan (GRT) Advocates & Solicitors
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answered on Mar 22, 2015 at 23:03
by   Coolguy
Contact them la..
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answered on Mar 22, 2015 at 23:20
by   AngryMan
So i call the bank representative instead of the bank debt dept?

i dont think the lawyer got the rights to negotiate? or ask them to get back to their client & get back to me?
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answered on Mar 22, 2015 at 23:30
by   Coolguy
They sent you a letter and they represent the bank.
Who do you think you will meet when you attend court session? The banker?
Call them and see what they(lawyers) say..
Are you trying to get a discount? At this stage, they have the upperhand and the case is in a few days? Do you think they would give you a discount? Sometimes some banks do but most dont, depending on circumstances.
Most probably the lawyers will ask you to pay the costs of this legal proceedings direct to them and you negp with the bank your c.c. debt..
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answered on Mar 22, 2015 at 23:47
by   ObnoxiousDude
The answer to your headache(not really though, as you actually have funds) can be read and obtained via the past 30days postings here and there. Be resourceful and you would learn how to deal with those nasty bankers and their lawyers, esp UOB.. and have the upperhand..
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answered on Mar 23, 2015 at 00:13
by   AngryMan
Thanks for the info & advices.

I will update my status if there is any changes.

BTW, i hv just received my letter 2 days ago...but dated 6/3/15..

Question : if i agree with the amount charged, i hv to pay the legal fees + the amount owed to the bank, & everything ends soon?
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answered on Mar 23, 2015 at 01:16
by   Coolguy
Question : if i agree with the amount charged, i hv to pay the legal fees + the amount owed to the bank, & everything ends soon?
What else/more? Do you expect them to say thank you and apologise for any inconveniences caused?
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answered on Mar 23, 2015 at 11:10
by   vkpc
BTW, i hv just received my letter 2 days ago...but dated 6/3/15..
How many percent discount did UOB offer?
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answered on Mar 23, 2015 at 21:07
by   AngryMan
1) Called the lawyer's firm. Asked me to deal with the bank for discount.

2) Called UOB, only offer a RM200-Rm300 discount(waive of interest), but still need to bare all the legal fees.

3) UOB says if i make payment these 2 days, they can ask their lawyer to withdraw from hearing. Then i ask do local company & firms do things so effectively where they only have another 2-3days before the hearing? He diam-diam
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