Bank collection agency called up while I am under AKPK-DPM. How do I lodge a complaint to Bank Negara?

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asked on Jan 21, 2011 at 15:10
edited on Jul 25, 2016 at 04:26
I was really shocked to received a call from AmBank collection agency named "Brigxxxx Agencies" according to the caller, a lady introduce herself as Janica. She is asking for a outstanding credit card payment from me in which it was under AKPK-DMP long time ago since 2009 and till todate I never miss out single monthly payment.

I asked her, "Did you do your homework?" and she in return yelled at me, telling me that I must proof to her! I mean who are they? I told her to do her homework not don't just think about receiving commission. Then I told her I will not deal with your agency or even AmBank but only with AKPK. I further told her that I will complain to AKPK and Bank Negara Malaysia (BNM) and she said "It's alright" meaning "Go ahead lah!" She gave no respect to AKPK and Bank Negara!

Can anyone advise me how a lodge a complaint to Bank Negara or AKPK and what should I write? Is it able to give them a point reduction in Bank Negara or AKPK?
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answered on Jan 21, 2011 at 23:35
edited Jul 25, 2016 at 04:35

I too have been getting unwelcome calls from Brigxxxx, they call themselves a debt management agency, they're based in Kuching but has a branch in Kuala Lumpur. This debt collection agency is currently engaged by these banks:

• Standard Chartered Bank (M) Bhd
• Hong Leong Bank Bhd
• Eon Bank Bhd
• Am Bank Bhd
• Diners Club (Malaysia) Sdn Bhd

One of their employees, Michael, has been trying to contact me too many times, finally, I gave him the loudest scolding ever. He hung up the phone in less than a second I think. Now it has been several weeks already, still no calls from this jerk, yet.

My point is, you need not be nice to these people, they are not loan sharks, they can't come at your with 'parangs', their only weapon is verbal threats, and they do try their very best to irritate you so you might pay them to get rid of them.

If I were you, I would not only call up Bank Negara to find out how to complain about this company, I'd also make a police report against them, although very likely not much use, then email them the police report, which is on their letterhead. If you've time, why not visit all the political parties (UMNO, MCA, MIC, DAP, etc.) in person to complain about them too?

Good luck!
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answered on Jan 26, 2011 at 18:12
edited Jul 25, 2016 at 04:42
Regarding all collection agencies calling debtors via phone to chase for payments:

Debtors have the rights NOT to entertain phone calls regarding personal financial matters as you are not able to really verify who is really calling you. Sometimes, it can be a "ghost or hantu" on the other end of the line.

There is a law you are NOT obligated to entertain and discuss personal sensitive financial matters just on the phone line. Just like you are NOT obligated to share personal matters thru Facebook, blogs, emails, websites, SMS, or anything to do with ICT via online/internet. There have been too many scams, cheating, abuse of personal sensitive info, phishing, faked investments, faked phone calls - many of these con people either fake their identities, disguised phone nos, or no profile about them or faked high profile about them to make them legitimate.

For example, if I call you and say that I am from so and so company. And want to talk with you about your debt. How do you know I am what I am. You cannot see me. It is just voice! You have the right not to entertain me.

You can ask collection agents to give their full names and IC numbers but they normally  will not give - that is where you can just hang up the phone and not entertain them.

You can file a complaint to the Malaysian Communications And Multimedia Commission (MCMC), a commission in charge of telecommunication laws and regulations. Google search for the MCMC and you will soon find out how to file a complaint online thru their Complaint Bureau.
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answered on Aug 29, 2012 at 12:55
Their job is to chase for payment. They cannot harass you like Ah Long. They can only threaten you to pay, but if you got no money to pay up, bank will seek legal recourse only. Ignore these agents, they got a cut from debt recoveries.
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answered on Jun 28, 2016 at 19:55
edited Jul 25, 2016 at 04:45
Okay hold your horses guys.

These agencies are called Bank Collection Agencies, appointed by banks to handle and monitor their loan accounts that are lapsing in payments.

They act on behalf of the banks to remind us all to pay up in time. Banks are no longer doing this function and are delegating this task to these Agencies.

So let's be frank. We all have recurring debts in the form of Credit card repayments, Car loans, Personal loans etc. And sometimes we might lapse in payment due to our busy time etc.

They are just doing their jobs. So let's play fair okay.
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answered on Mar 10, 2017 at 20:15
Hi guys,

I have been reading the comments above n feel that I need to correct some of it.

First of all, the "ghost" or "voice" that have been calling you is an officer of a debt collection agency who have been legally appointed by Banks. They are legally a representative of the banks n have the right to call you to remind n ask you to pay your debts. It is their obligation to do so and it is your obligation to pay your debts as you are owing the bank. Questions to ponder: your colleague borrow money from you but, when you ask them to pay you back, they yell at you. So how would you feel?

Secondly, they are human being just like you are. They are just doing their job to earn salary. Be polite as they can help you to reschedule your payment (if you are not under bankruptcy or AKPK). In cases that you are under bankruptcy or AKPK, just provide them with your bankruptcy/AKPK reference no. It is not their fault that they do not aware that you are under bankrupty/AKPK as they only receive your case from the bank. So blame the bank if you want to find someone to blame.

Lastly, be a good citizen n pay your debts promptly. Know where you stand before you want to lodge a complaint before someone laugh at your face n ask you to settle your debts.
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