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Unethical debt collection agency acted like thugs and gangsters. How do I deal with it? What should I do?

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asked on Jan 12, 2011 at 21:00
by   SS70
edited on May 20, 2016 at 01:48
 
I own Maybank RM8,000.00, they also send the same collector [K***** name removed] to speak to me.

First is Daniel who acted as top management and asked me to pay RM4,800.00 immediately. I borrowed from my relatives and did so. Then Devan called and harassed me almost everyday and also said that they will take my car, take my house but I told them that I got nothing then they said very bad words.

When the 1st month of the week sure they will call. Hey, when you get your salary... when you want to pay... I also got so fed-up and I told them that if the keep on calling I will suicide and see what they get. They are ruthless not only to men but to women too! Terrible bank can end up with partners like this...
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answered on Dec 14, 2011 at 08:01
by   MCMC
edited Jun 16, 2016 at 17:30
 
@Eddie

Never give up fighting [K***** name removed]. Write to Bank Megara Malaysia (BNM) www.bnm.gov.my, Malaysian Communications And Multimedia Commission (MCMC) www.skmm.gov.my and also file a police report for threats that you received.

If I were you, in the first place - I will NOT pay the bank a single cent.
After all, they can't make you a bankrupt as it will take a long time to reach a debt of RM30,000.

I do NOT think Mr Allen is a lawyer. Normally, lawyers do not phone up like
this to chase for payments. [K***** name removed] is a debt collection agency and NOT a legal firm although they like to frighten people by saying that they have a "legal department"... if yes, only with unqualified "lawyers" from...

Also you can hold a press conference to teach them a lesson once and for all. Remember, the MCMC has the authority to take action because they are abusing the phone communication to attack or threaten you.

You can even report to Mr. Michael Chong of MCA Public Complaints Bureau!
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answered on Dec 14, 2011 at 19:03
by   Eddie
edited Jun 16, 2016 at 17:33
 
Thanks for MCMC!

Menjelang petang ini 14 Disember 2011, saya akan membuat report police. Tiada jawapan dari pihak Maybank dan [K***** name removed].

MCMC... I pay because it is my responsibility to pay my debt... bukan sebab takut dimaki hamun oleh [K***** name removed]. Also thanks for advice to report to MCA Public Complaint Bureau but how to report to MCA?
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answered on Dec 15, 2011 at 20:20
by   faqs
edited Jun 16, 2016 at 17:36
 
MCA Aduan Pelanggan, I think is the place where people seek help. This MCA can even negotiate with Ah Long to reduce someone's debt. Imagine how the collection agency and the bank will be facing it this thing is highlighted.

Maybe the bank's image will tarnished...
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answered on Dec 16, 2011 at 01:48
by   Danny
MCA complaint bureau can't help much, I went there before, they will tell you to pay the debt.  Anyway, since it is free, there is no harm trying.
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answered on Dec 29, 2011 at 23:08
by   Truth Rules
edited Jun 16, 2016 at 17:48
 
Seems to see that most of them here hates their ways of collecting debts, but was the collection agency the first to call you when you owe the bank? Of course not.

Come on, you owe the bank and whose money the bank is using? From where did the bank get the money? If you say its from the businesses and Bank Negara Malaysia, okay where does Bank Negara Malaysia get the money? Basically the government. And the government is the public!... THE PROBLEM WILL BE SO EASY SOLVED if you people know how to manage your debts and reminder notices. A (SMS) text message and a call are not enough?

If you know how to spend money over your limit, then you should know how to settle it. Blaming others is always an easy way to escape from your problem.

You know when you need to settle your debt, then why are you delaying your payment? Why? NO MONEY? Then why you borrow from the bank when you can't pay the bank? The bank and the collection agency have nothing to do... You brought shame upon yourself and family. Please realise that...
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answered on Dec 29, 2011 at 23:24
by   virnicia
edited Jun 16, 2016 at 17:49
 
Banks are so bad and evil, selling credit cards at shopping places.

Imagine if lawyers, dentists and doctors pleading with you for business at Giant and Carrefour. Can or not?

This is why we fight banks and their ugly debt collectors. We don't pay them one cent.
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answered on Dec 30, 2011 at 16:17
by   McGarrett
edited Jun 16, 2016 at 18:18
 
'truth rules' ini mesti dari [K***** name removed] yang hanya fikir komisyen 25% dari jumlah hutang peminjam... lagi banyak hutang lagi bagus... kalau bayar banyak lagi bagus... dan dari 25% itu, agen collector pun dapat bahagian juga. Itulah sebab mereka gila minta duit dengan orang... So pathetic! Info ini aku dapat dari collector agent yang terkantoi pecah lubang.

Bukan salah mereka kalau tak mampu bayar hutang. Masa mereka apply card, mereka ini mampu bayar dan mana ada orang yang tak mampu bayar nak ambil credit card atau loan, itu cari nahas namanya. Adakala bak kata pepatah "langit tak selalunya cerah." Ditambah lagi dengan masalah kos sara hidup di Malaysia ini seperti nak ikut negara berpendapatan tinggi padahal gaji masih di takuk lama.

Dengan banyak syarikat buat Voluntary Separation Scheme (VSS) untuk pekerja, interest bank semakin naik. Jadi macamana hutang nak habis bayar? Nak suruh rakyat Malaysia yang berhutang ini merompak kah? Bank pula pelbagai caj yang di kenakan, late payment pun mahu RM50. Kalau tertunggak pun walaupun kita bayar bulan-bulan untuk sebulan pun kira late payment... mana tak naik. Bila nak bincang bayar sikit-sikit yang kita mampu, bank tak mau. Kalau boleh lump sump atau monthly interest yang tinggi... Kamu ingat kalau orang cakap tak mampu nak bayar itu kononnya mampu lah. Kalau peminjam sanggup call bank untuk bayar itu namanya memang nak habiskan hutang. Tapi bank yang tak mahu berbincang.

@collector dan lain-lain lagi
Kamu kutip hutang bahasa macam sial. Pegawai collection bank pernah cakap dengan aku, kerja collector ini hanya 'remind' saja... di ulangi 'REMIND' customer sahaja untuk bayar hutang... bukannya suruh gertak, ugut, tipu customer. Pegawai ini juga pernah cakap collection agency Zuri pernah di reject bank kerana meyalahi peraturan dan ramai customer complaint. Dia juga cakap apa-apa hal or ada duit nak settle just berurusan saja dengan pihak bank cuma kena pergi ke department yang betul. Dia juga cakap walaupun bulan-bulan bayar sikit tapi menunjukkan inisiatif nak bayar, pihak bank juga berbesar hati untuk bagi diskaun untuk hutang itu. Abaikan outsource collector ini pasal kerja dia just remind customer sahaja pasal officer bank tak ada masa nak buat itu semua.
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answered on Dec 30, 2011 at 17:04
by   hs27
edited Jun 16, 2016 at 18:21
 
I facing the same problem, they also did the same thing to me. I just owe the bank RM3,000 and I have settled RM1,500. They scold me with bad words and have no manners... not professional at all!
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answered on Jan 26, 2012 at 22:53
by   Haris
edited Jun 16, 2016 at 18:24
 
It seems everyone fight for their rights ... REFUSED TO PAY THEIR DEBTS but making lots of 'huha' on-line by exposing their naked debts. Not a good ethic. Should feel ashamed. Owing money to the bank that had entrusted loan credit facility.

Think about it and be a good entrusted nation.
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answered on Jan 27, 2012 at 18:35
by   zizong
edited Jun 16, 2016 at 18:25
 
Debts Collectors tried to make us ashamed by telling our families and office colleagues about our debt. So we tell the whole world on-line about our debts!

This is the brave new world order.
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