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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 Jan 27, 2012 at 19:56
by   Phillips
edited Jun 16, 2016 at 18:28
 
Actually I have no shame with informing everyone about my debts. I've told my family, my friends, my office and no one has any issues with it. I've had these debt collectors calling my house which I've told them to get lost, then they threaten to call my office which they did but my colleagues told them to go to hell because everyone knows my situation and I've been educating everyone what rights debt collectors have, which is nothing at all really. All they can do is chase you like some pathetic human being because they paid for your file and need to recoup their money.

Educate yourself on your rights and you don't have to worry about these debt collectors. All they can do is talk and threaten, nothing else. Tell everyone about your financial problems, don't be ashamed of it, we're only human and make mistakes in life. Once people know about your financial situation, it'll become harder for them to threaten your family, friends and work places!
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answered on Jan 28, 2012 at 17:39
by   Haris
edited Jun 16, 2016 at 18:29
 
@Phillips

They should not haunt you in this manner. If so, the collectors code of conduct is totally unethical. The process has been laid by Bank Negara Malaysia (BNM) and all the collection agencies are bound to it. It is the protocol that the matter.

You talk to the bank and make yourself clear rather than keeping isolate. Do up a monthly paying proposal, based on your affordability.
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answered on Mar 24, 2012 at 05:33
by   Anonymous
edited Jun 16, 2016 at 18:36
 
The problem is most people who used MBB credit cards are given by the bank during their good times when they have good career. I believe most of these people have been making regular payment until their lives were ruined because the economy is not doing so well. I was also a good paymaster and the bank kept calling me and insisted that I use their credit card.

So this is BANK, when you are in good situation they force you to used their credit facilities but when you are in bad shape suddenly you are the worst people to them and they will ask this bloody collection agency to call you up...
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answered on Mar 28, 2012 at 15:03
by   Victim
edited Jun 16, 2016 at 18:42
 
I want to share my experience as well. Last two years my hubby was laid off, therefore, I had to fend for us and of course I could not keep up with my HSBC credit cards' payments. HSBC passed my case to [K***** name removed]. I told them I could not afford to pay as yet because of my financial problem at the time. Guess what? They threatened to report me to my HR and they came to my office. Needless to say, I was shamed and embarrassed.

They even resorted to coming over to my house and I was shamed again in front of my neighbours.

They are really cruel people!

But the bank is even worst! Finally, we are stable now and I called up the bank saying that I would like to make a full settlement. Guess what? They told me that they have resorted my case to the collection agency, therefore I have to speak to them. Am I borrowing from the collection agency or HSBC?

Really so sick with all these people...
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answered on Apr 4, 2012 at 19:45
by   Kancil
edited Jun 16, 2016 at 18:45
 
I just found this thread. I want to share my experience with an "Islamic" bank. I bought a Kancil in 2003 using Islamic banking. The monthly installments around RM400 x 7 years.

I have been paying to the bank for several years from 2003 (first year) up to 2009 (7th year). Early 2009 I had some financial difficulties, so I cannot pay installments punctually.

I did receive calls but I didn't know whether the caller from bank or debt collector.

I was working one day (March 2009) when My car was repossessed by the bank. I have to call my brother to send me home.

The next morning I borrowed my wife's car. I went to see the bank officer to see how much I have defaulted. I have defaulted 5 months installments i.e. RM2,000. I did ask the officer why they repossessed my car? Why the bank did not consider my track record for the past years? The answer was simple:- it is because of the agreement I signed with bank.

The bank also charged me legal costs, repossession cost and other charges. The repossession costs alone is RM2,000! Altogether I have to pay RM4,399 to get my car back!

Since I have no money, I have to borrow from a friend. I paid the bank get the car back.

In May 2009 I have enough money to settle the whole installments to the bank (full settlement).

Now April 2012 I still regret the way the bank treated me.
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answered on May 17, 2012 at 16:24
by   the silent one
edited Jun 16, 2016 at 18:52
 
I also having experience with [K***** name removed]. They called me at office and said that they were from lawyer office. I never received any written letter or notification from them. Suddenly they asked me to make full settlement for my credit card.

The collection agent also asked me to sign a letter which stated I will make full payment on certain date. Luckily I did not sign yet. I search info about [K***** name removed] and found this forum. The way they act is more likely forcing me to settle all my outstanding balance within a week. It was crazy. Where can I find that much money?
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answered on May 24, 2012 at 21:49
by   chen_moi
edited Jun 16, 2016 at 19:08
 
I received a call from a guy from [K***** name removed] & Partners, introducing himself as a lawyer. He was chasing debt as though as my whole family is indebted to the bank.

I never allow my colleagues to give my mobile number to anyone, including my banking client. So I am surprised how they got my mobile number? I asked him and he told me that it was from Kumpulan Wang Simpanan Pekerja (KWSP). Wonder if that was true!

He asked me whether my family member is able to pay and requested me to fax over a letter that my family member wishes to reschedule the payment.

As far as I am concerned, the bank has 6 years from the date of Letter of Demand to initiate legal action against the debtor and in my family member's case, it is beyond 6 years. If the bank really wants to get back the money, they can do it via legal action, summons and get judgment then enforce it. This chap told me the Letter of Demand (LOD) issued last year, case handled by law firm, transferred to collector then transfer to law firm again (which he is claiming now). Strange isn't it?

He knows that I am pregnant, knows my house, my job, office etc. This is scary and clear cut case for breach and violation of personal info. Since this chap is impersonating as a lawyer - this is an offence under legal profession act. He even bragged he never loses cases, he will take extreme actions against my family member. OMG! This collector is too much and we society must teach them a lesson.

Go to the Bar Council Malaysia and get a confirmation that the person calling you is a lawyer or not. Then lodge police report, lodge complain to Bank Negara Malaysia (BNM) and Suruhanjaya Syarikat Malaysia (SSM).
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answered on May 28, 2012 at 22:41
by   madamepawx
edited Jun 16, 2016 at 19:29
 
Oh My Lord! I thought I'm the only one who been harassed my this [K***** name removed] & Co.

Okay, this is my story. I am a teacher and have a credit card debt of around RM3,000. To the thing is that I was furthering my studies so didn't pay for 6 months. I DIDN'T purposely not paying them because I made a loan with one of the financial department and is waiting for it to PAY ALL in one lump-sum.

One day I found my handphone have 1 missed call. I can't pick up the phone while in the class teaching... And then my school clerk running to my office and said my principal looking for me as soon as possible. When I met my boss, he looked so sad.

He said to me that "Ada seorang lelaki marah-marah saya kerana dia kata saya tidak pandai ajar orang-orang bawahan saya..." I kept on listening and kept on asking to myself "Apa kes ni?" My boss said "Ada seorang lelaki bernama Allan dari MAHKAMAH TINGGI marah saya sebab kamu tak angkat telepon dan kamu akan kena masuk mahkamah." I was so shock!

My boss gave me this Allan's handphone number. When I called back rupa-rupanya [K***** name removed] & Co's punya orang. Dia punya main manis bercakap dan minta maaf. Saya berjanji akan bayar semua tapi sila tunggu. Saya tunggu loan saya been approved. Keesokan harinya, dia panggil sekolah saya dan bagi tahu SEMUA KERANI SAYA  about my hutang! Sudah lah kerani-kerani sekolah saya itu tak ada kerja dan asyik nak jual-jual barang dan mengumpat-umpat... Dan salah seorang kerani itu MAKCIK SAYA! Tengah hari itu juga I passed the phone to suami saya! Dia sudah rakam semua percakapan lelaki-lelaki dan missed called my phone sampai 35 Kali! Mula-mula 'Devan', lepas itu 'Allan', lepas itu 'Jack'... Sekarang tengah tunggu dia call lagi... kalau dia call nak rakam lagi dan lagi dan lagi.

Saya malu gila sekarang di sekolah tapi SAYA BUAT DON'T KNOW sekarang!
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answered on Nov 18, 2012 at 18:31
by   firdaus
edited Jun 16, 2016 at 20:01
 
Saya pun pernah bekerja sebagai collection officer di sebuah institusi kewangan dari Jepun. Mungkin saya kerja dalam group current, so customer tak jenis problem sangat. Tapi ramai sebenarnya orang Malaysia ini kita cakap baik-baik suruh bayar kita yang kena maki balik. Tak tahulah company lain, kerana company aku ini tak guna outsource. Kita cakap memang sebaik mungkin dan kebanyakan staff lepasan degree dan diploma. Macam-mana customer stress kami pun sama. Mahu tak mahu ia tanggungjawab collector lah. Sama-sama rasa bersalah.

Tapi bila baca thread ini agak terkejut juga sekasar macam itu sekali. Saya sendiri memang takkan berani nak caci maki orang macam itu, tapi kita yang kena marah memang selalu. Pastu kita sedih sangat dilayan macam itu oleh customer. Sudahlah dengan management target lagi. Personally aku jenis orang yang pemalu dan memang terkejut gila bila start kerja. Mengajar saya berani bersuara lantang sikitlah. Paling penting, kerja sebagai collector mengajar supaya tak guna kredit kad dan buat pinjaman kalau tak mampu untuk jangka masa panjang.

Aku guna debit card sahaja pun, kalau nak beli barang yang mahal, kumpul duit sampai cukup. Saya memang hilang selera dengan kredit kad. Bila berhutang kenalah bayar. Apapun alasan memang wajib bayar especially for Muslim kan. Kalau tak nak orang naik gila kejar hutang kita, prepare lah sebelum berhutang dan bayarlah. Memang tak aman orang yang masih ada hutang ini. Inilah pengajaran yang aku dapat dengan bekerja sebagai collector.
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answered on May 3, 2013 at 18:01
by   curly bizzare
edited Jun 16, 2016 at 19:33
 
I'm having the same experience with these guys. How can our private information be divulged to irresponsible firms like this and I'm wondering why Bank Negara Malaysia (BNM) is quiet about this collection agency. I hope we can get together and file a case against them... enough is enough!

Can we take class action against these guys, any lawyers wanna do this?
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