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Remove name under Pemerhatian Khas under CCRIS List

1018 Views  ⚫  Asked 2 Years Ago
asked on Jun 29, 2015 at 15:15
by   LONELY
edited on Feb 20, 2017 at 10:04
 
I was a bad pay master for my housing loan with Maybank for almost 3 years. Its because of I was jobless for a year and worked with low pay. Last 2 years, I managed to get a better job and managed to settle all my outstanding with the bank. Now I am back to normal payment for the past 8 months.

The problem is, recently I am planing to buy a car, but the loan was rejected by Hong Leong. The reasons was, my name shown in CCRIS List under "Pemerhatian Khas". I called Maybank and asked for their help to remove my name from "Permahatian Khas" and they said that the name in "Permahatian Khas" only can be removed if I do full settlement.
I tried to apply personal loan, sadly, its also rejected with same reasons.

Is that true?

My age is now 40 and I have another 15 years to go to settle my housing loan. Then at the age of 55 only I can buy a car and take personal loan? Please advise.
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7 Answers

answered on Jun 29, 2015 at 15:39
by   vkpc
edited Feb 20, 2017 at 10:04
 
Then at the age of 55 only I can buy a car and take personal loan?

Buy a used car with cash.  You don't need a personal loan.
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answered on Jun 29, 2015 at 17:04
by   jeff005
edited Feb 20, 2017 at 10:06
 
1. Can you tell me when is the due date of the housing loan for the month of July 2015?
2. Do you have any credit cards?

I tried to apply personal loan, sadly, its also rejected with same reasons. Is that true?
TRUE but at the same time Maybank could be giving inaccurate replies. Answer the above questions first..
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answered on Jun 29, 2015 at 19:56
by   LONELY
edited Feb 20, 2017 at 10:07
 
Buy a used car with cash. You don't need a personal loan.
If I have cash, sure I will settle my loan first and release my name from "Pemerhatian Khas".

1. Can you tell me when is the due date of the housing loan for the month of July 2015?
15 July 2015

2. Do you have any credit cards?
No.
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answered on Jun 29, 2015 at 20:17
by   jeff005
edited Feb 20, 2017 at 10:08
 
For the month of June. When did you pay the housing loan?
1. On the 15th?
2. Before 15th?
3. After 15th?
4. By Cash Deposit Machine (CDM) (cash), by cheque, or by auto debit?
5. Is your payment pattern always the same?
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answered on Jun 29, 2015 at 20:35
by   LONELY
edited Feb 20, 2017 at 10:13
 
For the month of June. When did you pay the housing loan?
2. Before 15th (on 10th June).

4. By Cash Deposit Machine (CDM)(cash), by cheque, or by auto debit?
Cash thru counter.

5. Is your payment pattern always the same?
Yes. My monthly salary is on 7th of every month. So I will pay before 10th of every month.
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answered on Jun 29, 2015 at 21:10
by   jeff005
edited Feb 20, 2017 at 10:18
 
@ LONELY

Do keep up the payment pattern like that for the rest of the loan. In maybe another 5 months time, your CCRIS would be "better".

CCRIS reports from Bank Negara Malaysia (BNM) reflects the payment pattern for the past 12 months. There were defaults "8" months ago. So the "status" "Pemerhatian Khas" appears and could have remained there. Always pay 3, 4 days before the due date especially for housing loans.

Do not try and request for any loan now. Do it after maybe 5 months. Everytime a bank reject your application, it is documented "somewhere". Too many "rejections" may increase the "duration" of your blacklisting.

Steps you can try:
1. In 3 months time say on around after the 20th of the month, go BNM counter to get a CCRIS report.
2. In 5 months time after the 20th, get a report again. If no more blacklisting.. go apply for loan prudently.. and don't default again..

If what you have described/posted is accurate, it is also fairly accurate that your "blacklisting" will be wipe out in 4, 5, months time. Any loans application within your credit rating is likely to be approved.

If you are successful, please post here again and tell all of us the good and wonderful news. If you are shy, email me to confirm that my directions to your predicament is workable. Do not blame the people working in the bank. Banks are Robots, that is why sometimes the answers are robotic in nature.
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answered on Jun 29, 2015 at 21:34
by   LONELY
Oh my god. Thank you very very much. Really fell cool after read your reply. Look like my like is not end.
Thank you again and will reply good news soon.
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