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Debt Collector Harassment

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asked on Oct 11, 2011 at 17:56
by   KZuriH
edited on Oct 18, 2016 at 05:16
 
Clearly you all know how I landed here. I received a phone call this morning from Zur* Associates namely Tuan Azmi (why in the world would you introduce yourself as Tuan, how conceited!). He sounded very condescending and he had threatened to forward a letter of Permasalahan Tatatertib to my superior regarding my problem and how I am a feckless employee to my organization. He swiftly recited the names of my superior in full along with their designation. How did he obtain these in the first place? Because he called my subordinates yesterday! He asked a lot of nonsense questions to a staff and made a point that he's going to release a summon to me should I refuse to return his call. His exact words were:

"Saya dari pejabat guaman. Kami nak buat tuntutan bayaran kepada Puan XXX, kalau dia tak call balik hari ini kami terpaksa keluarkan surat saman" of course my staff frantically contacted me and blurted out the news in front of everyone! I don't blame her, she was pretty shock as much as myself.

Now, I clearly know that I'm wrong for not keeping my financial on track but things happen and my hands are tied. I don't need this kind of people having the audacity to disclose my problem to my staff.

When he called this morning, I managed to speak calmly. But he just had to provoke, first with this question, "Puan kenapa tak call saya balik?", then he bombarded me with condescending questions.. I answered calmly saying that I'm at the verge of retrenchment and opting for Agensi Kaunseling & Pengurusan Kredit (AKPK). I told him also that I'm meeting a Maybank officer to discuss things thoroughly. I guess he was pretty annoyed that I kept my composure so he said this, "Okay tak apa Puan, saya akan teruskan forward surat kepada majikan Puan" and hung up. How classy of an associate!

Now, if he is genuinely representing Maybank as an associate, he shouldn't do any of these.

We'll see how things go. I shall update the progress. Thanks to lawyerment at least I know I'm not alone facing these people.
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answered on Nov 24, 2011 at 05:52
by   antibullying
edited Oct 17, 2016 at 09:42
 
My question (to any lawyer reading this), referring to the threat by the so called associate to send Permasalahan Tatatertib letter to the employer, can they actually do that? Isn't the lawyer/bank supposed to keep confidential whatever financial record and financial situation that the debtor faced?  Aren't they themselves in breach of confidentiality by issuing the letter (and indirectly membuka rahsia peminjam)?

If I were you, I will firmly tell them to go ahead and issue the surat permasalahan tatatertib if need be. Then ask them to cc to you one copy.  Let them know that with that letter you will refer back to Maybank for breach of confidentiality of your record to irrelevant party (that is your employer) by their appointed lawyer. And tell them too, you will write a complaint letter to Bank Negara on this matter.  And hang up. Something fishy is going on here, they said they want to keluarkan surat saman if you don't call.  And you didn't.  So why is their concern now shifted from the surat saman to the letter of permasalahan tatatertib.  From what I know, lawyers don't do that (issuing letters to employers).  Is that part of their job?

But this is just my 2 cents.  And for the record, I'm not a lawyer. Just an average Jane who hates bullies.
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answered on Nov 24, 2011 at 17:17
by   Phillips
edited Oct 17, 2016 at 09:43
 
Those debt collectors will do anything for their commission. Just tell them to proceed with whatever they want to do cos they don't have the power to do anything except threaten you with all kinds of scare tactics. And just before you hang up on them, tell them you're making a police report for harassment.

Remember, you owe the bank money and not these debt collectors.
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answered on Nov 24, 2011 at 19:48
by   My Experience
edited Oct 18, 2016 at 05:21
 
@KZuriH

I am 100% percent sure the person calling you from Zur* Associates is trying to threaten u by using a hoax by claiming:

(1) He is from the lawyer office
(2) Threaten to sent a letter to your boss
(3) Threaten to sent a summon to u
(4) Leaking out personal & confidential info to your staff

If he is from the lawyer office, he is really unprofessional! Lawyer or lawyer office don't do this kind of un-professionalism!

Conclusion, he is from a debt collection agency which is only authorized to chase for payment from debtors and not empowered to act like a lawyer. The bank has its own legal firm of which they will decide on legal action by sending you a legal letter and NOT threatening.

Zur* Associates sounds like a legal firm but I am very sure that it is just a registered name for a debt collection agency.

Just ignore this hoax! The next time he calls up, get down his full name IC number, company name & office phone number. Report him to the police and the bank concerned for violation of privacy to your staff, misleading and threatening.

If he does not give the info, just hang up. Best to call up Zur* Associates and find out the status of this company. Sometimes, they like to bluff you that they also have a legal department to make them sound like they are professional and don't play play with them. Remember, all creditor banks have their own panel of legal firms/lawyers to take legal actions and NOT those debt collection agencies who have no legal empowerment to do so except to chase and collect debts. But these agencies have resorted to "fire" legal threats to debtors to make their debt collection more enforcing but actually they like to employ this tactic in order to frighten & catch unsuspecting debtors by surprise so that they can pay up their debts!

PLEASE HELP CIRCULATE THIS TRUE MESSAGE TO ALL CONCERNED FOR THEIR KNOWLEDGE AND PROTECTION! THANK YOU.
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answered on Nov 25, 2011 at 23:55
by   Jojo Ting
edited Oct 18, 2016 at 05:37
 
Do NOT be afraid of [K***** name removed] Partners & Co (collection agency for banks) or their employees. File a police report and also make a nasty complaint to Bank Negara by letter. To do that, you need to make sure you know the full name of the person(s) threatening you, their company name, address, their handphone and company phone, the bank they are representing, time and date of calling and other info you can get like recording what they exactly said to you.

The next time they threaten you, be nice to them first to get all the info. Later on, you should report to the police and Bank Negara. We MUST NOT tolerate such threats, bully tactics and injustices from collection agents on innocent people (debtors) who may be a little ignorant or helpless to defence themselves or how to tackle collection agents professionally so that those collection agents will not act like lawyers or call themselves officers from the legal dept. Sometimes, they acted like well-educated Ah Longs with professional verbal threats. Rest assured, they dare not harm the debtors physically. The most they can do is threaten to pay unscheduled visits to your house or office or threaten to see your boss or even threaten to take away your household things for auction including freezing all your bank accounts and assets and including impounding your passport or get a court order to deduct your salary. The list goes on and on as long as they can make you pay up. Just DO NOT believe those collection agents or agencies because they DO NOT have the legal empowerment to do so except the banks' legal firms or representative. Collection Agencies are NOT legal representatives! Those agencies are Debt Collectors or Chasers ONLY - nothing more and nothing less!

You will surprised most of these collection agents like to flex their muscles by calling debtors constantly so much so the debtors are annoyed. Nowadays, there are phones that can block phone numbers you do not wish to receive. Or ask them to call you after office hour or you prefer receiving emails instead.

There are more and more people getting into debts, so hopefully this forum is an ideal place to help one another. Remember, if you have the answer or experience in tackling a difficult situation with the creditor banks or even court cases, PLEASE DO NOT HESITATE TO ANSWER ANY QUESTIONS IN THIS FORUM AS I FIND THERE ARE A SHORTAGE OF ANSWERS IN THIS FORUM. DO CHIP IN YOUR PART EVEN THOUGH YOUR ANSWER MAY BE SIMPLE BUT IT MAY GIVE HOPE TO AT LEAST LESSEN THE EMOTIONAL FEARS & ANXIETIES, DEBTORS ARE FACING EVERYDAY. WHO KNOWS, YOUR ANSWER MAY EVEN PREVENT PEOPLE FROM COMMITTING SUICIDE OR SAVE THEIR FAMILIES FROM BREAKING UP.
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answered on Dec 23, 2011 at 18:08
by   Suria
edited Oct 18, 2016 at 05:41
 
I received a call from so called Zu** & Associates saying that they are coming to my house and they want to seize my property when in fact that the property belongs to my dad! They want to auction off whatever there is in the house that comes without a receipt unless we can prove that it belongs to another person.  They don't care even if it's not my property or if the address was of a rented house and somebody else is staying there. AS LONG AS THE ADDRESS IS THE SAME AS ON MY IC.  They'll take everything. I did tell them that they sounded more like an Ah Long rather than a lawyer firm.

I am already declared a bankrupt by MAYBANK due to a failed business ventures with my ex-husband. We have since divorce but business went down the drain just like our marriage. No regrets! I have since pulled myself up and face whatever that comes.  This guy came asking about me from my dad yesterday. Now I know they are [K***** name removed]'s staff and that [K***** name removed] has bought over my debts from Affin. They are now harassing me to pay. I would pay if I have the money but I will only deal with Affin! They way they came.. yeah they managed to make me trembled but I managed to regain my courage. I asked him where he is calling from and the name as he claimed Tn. Hj. Rahman b. Talib.

But thanks to this site because as soon as I got their name i tried to google the details of the company and luckily stumbled upon this site.  You guy really made my day and I am so grateful for that. But I am really saddened to realize how these things has affected my parents.  If it's possible I would want to stay away from them to avoid any problem to them.
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answered on Dec 23, 2011 at 19:04
by   vkpc
A bankrupt cannot pay any money directly to any bank or debt collector.
In theory you could be jailed if you pay them even 1 sen.

All your furniture belongs to JIM ( Jabatan Insolvensi Malaysia ) so why they still pretend to want to take the furniture?  Stupid or not?
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answered on Dec 24, 2011 at 17:31
by   natalie3
edited Oct 18, 2016 at 05:43
 
I agree with @my_experience because legal firm wont do that! Normally lawyer will use demand letter, 14 days not pay, proceed with summons (in the event bank instruct them to do so). No calling, calling to demand for money or debt owe is normally done by the debt collector agency.
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answered on Dec 25, 2011 at 10:39
by   Joe Sam
edited Oct 18, 2016 at 05:45
 
@natalie,

I also agreed with you. Normally, lawyers do not call to chase for payment. ONLY debt collection agencies! Nowadays, even debt collection agencies love to say that they have two departments, one is the collection and the other is legal. They like to talk this way to make them more empowerment to talk and chase for payments and if they can't collect the payment of debt, they like to threaten with legal actions like "sita and lelong" your things (WSS), freeze all your bank accounts, see your boss to deduct your monthly salary, execute a caveat on all your assets & properties and so on. Sometimes, they even have the gut to say that they are from BANK NEGARA, they are now taking action against you if you fail to pay up in 3 days time. When asked for their contact numbers, there are none.

When asked the caller whether he or she is a lawyer, he or she said not a lawyer.
Can you see they said a lot of crappy talks!
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answered on Sep 21, 2016 at 23:11
by   brandon
edited Oct 18, 2016 at 05:49
 
I'm working in same sector also, collection agency, for me, I emphasize full procedure in banking collection. I will not push customer to pay but we give the the lowest settlement amount with proposal from bank, or other wise just demand them to pay minimum with proposal to avoid or stop the interest spiking, most of my customer happy with the proposal given. If I'm lucky customer will pay in full and there goes my commission. The morale of the give and take, gives customer the best solution, don't used vulgar word to harass them, by the end of the day once customer is happy with the best arrangement argument can be avoided.
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answered on Oct 29, 2016 at 04:54
by   Mr Lawrence Chong
edited Oct 29, 2016 at 06:09
 
BEWARE OF DISHONEST AND DECEITFUL CALLERS MAKING FALSE REPRESENTATIONS! READ THIS VERY CAREFULLY TO PROTECT YOURSELF AND FEEL PEACEFUL INSTEAD OF WORRYING!

I received a call today from this phone number 011-28350715. She introduced herself as Nurul from Pejabat Guaman, Steven & Co, Putra Jaya. She said she is a lawyer representing UOX and checking me out so that her legal firm can take proper legal action against me for the debt I am now owing a bank for a long time. She spoke well like a lawyer but one thing that makes me suspicious is that why she used a handphone number and not her office number. I tried a few times calling 011-28350715 but the response I got from a voice activated machine said that the number is not available now, please try again later.  

After checking here, I feel better and now realize she is a fake lawyer and she acted this way pretending to be from a legal firm just to scare me by saying legal actions like bankruptcy or WSS would be executed upon me. At first, I believed her but after checking this phone number on the internet as to who this number belongs, I found that she is a fake lawyer and has made a FALSE AND DECEITFUL REPRESENTATION against me!

Throughout my years with many collection agents, normally lawyers from legal firms do NOT call debtors because they already have all the information needed to proceed with legal action. If they need more, they can call the creditor bank directly and not the debtors. So they are using this strategy to scare people to pay up! 

Sometimes, these dishonest and deceitful callers are daring enough to say that they are from BANK NEGARA or from the COURT coming on the way to seize our properties but all these are NOTHING but a ploy to scare us to pay up! So next time, if you receive any such calls - DO NOT BE AFRAID - ask them for their full company name, office number and office address. You have the RIGHT to report to the police for people faking themselves to make false representation against you as well as lying to you!
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