Harrased by debt collector!

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asked on Oct 18, 2011 at 20:19
edited on Jan 9, 2017 at 07:53
Here's an update:

About a week ago I receive a small piece of not plastered on my house grill gate saying it's a Maybank officer dropping by to meet me. There's also a bold print that instructs me to contact them for my own good. Sounds like a black-mail to me.

Anyway, a guy namely Babu A/L Viswanath** called my office gain, claiming that he's from the Logistic Department, Mahkamah Jalan Duta. When I asked specifically for the court's name, he couldn't answer. He kept on saying "Itu mahkamah lah"

He can't even speak English and he keeps calling me kakak, pasar malam style. So he recited my full address and requested for my verification. I said yes but when I insisted on his IC, he refused firmly. His exact words,
"Kakak tak perlu semua itu. Tunggu saja mahkamah saya hantar waran dan lekat depan rumah kakak"

And I got annoyed,
"How can you obtain my address and then you refuse to identify yourself? For all we know you might be a burglar!" (I blurted this in Malay)

And he answered,
"Kakak tunggu" then he hung up.

What is this bullsh**. I'm getting so tired of this. I really hope one day I'm able to save a large amount of cash and settle everything then take action towards the bank for hiring a mediator from hell.
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9 Answers

answered on Oct 18, 2011 at 20:54
Courts have no "Logistics Department", haha.

What is this bullsh**. I'm getting so tired of this. I really hope one day I'm able to save a large amount of cash and settle everything then take action towards bank for hiring a mediator from hell.
That's what they want you to do.
How do you take action against the bank if you don't have the guy's name?
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answered on Oct 18, 2011 at 22:55
edited Jan 9, 2017 at 07:57
Do continue to update us, I am sure many of us here wish to know (and appreciate your update) if that "Logistic Department" lied about... mahkamah saya hantar waran dan lekat depan rumah or not.
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answered on Oct 20, 2011 at 18:51
edited Jan 9, 2017 at 08:00
Yesterday I had just scold one of the debt collector from TG* company. If you are reading this, you can forget about making any single cent from me.
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answered on Oct 24, 2011 at 00:41
edited Jan 9, 2017 at 08:04
Is this your first time being harassed by banks? Be careful, Maybank may just freeze your account if you salary is credited to Maybank.

Collection agencies have many ways of obtaining your details. Based on my experience, through telecommunication companies, and even your current employer as per EPF or Income Tax record. Seriously I don't know how they tap into such information... How I know? I've changed my telecommunication line ownership to my husband's name, and STILL they manage to locate my most current employer..

The worst experience is of course harassment by [K***** name removed] Partners... They'll go to the extend of faxing your credit card outstanding to your office, calling your immediate superior, and they'll call up saying that they're already in the office and wanted to look for you at your desk, called & told me that they're going to seal & seize my house (which is obviously bullsh** because the house is rented property), and even to the extend of calling my family telling them they'll seize their house!
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answered on Oct 26, 2011 at 16:11
edited Jan 9, 2017 at 08:12

(1) They are not legal firms and therefore not empowered to take legal action from the court.

(2) They love to use legal means like "waran tangkap", sealing off house, Writ of Seizure & Sales (WSS), freezing your bank accounts/passport, garnishment of your income, bringing court officer to your house and so on. If it is really an obtained court order, you should receive a lawyer letter in black & white. But then, normally lawyer firms do not phone you on this matter.

(3) Other things to frighten you off are like visiting your house, visiting your office, pasting "court warrant" on main door of your house, seizing & sealing off your house or your parents' house, will discuss with your employer to deduct your monthly salary, sometimes impersonating themselves as high-ranking officer from the Bank Negara or a legal firm/dept, executing WSS on such a date & time, bankrupting you, freezing all your bank accounts and passport, possessing your car with a court order, inform the relevant authorities to freeze your child's scholarship or PTPTN loan and so on & so forth.

(4) When debt collection agents or officers phone you, the first thing they should do is to introduce their name, company and purpose. Secondly, they should check or verify you are the right person by checking your IC numbers and sometimes including your residential address. If they do not state clearly their name, company and purpose, you have the right not to entertain them. This is in accordance with the regulation of the MCMC rules of Malaysia. On serious matter, you also have the right to ask their IC numbers just like they check or verify your IC numbers. Actually speaking, NOBODY CAN FORCE YOU TO SPEAK ON THE PHONE OR ONLINE IF YOU CHOSE NOT TO DO SO BECAUSE YOU COULD NOT SEE/IDENTIFY THE REAL PERSON JUST LIKE MANY "INVISIBLE" PEOPLE ON FACEBOOK AND TWITTER. Not entertaining someone you don't know on the phone or online is your human right to protect your privacy. PLEASE UNDERSTAND THIS! Eventhough debt collection agents can phone you, you can chose NOT to discuss online about private things but prefer via postal correspondence or email. There is no law you MUST entertain someone online you do not really know. This is fair to you because you have every right NOT to discuss your private and confidential financial matters online as it is not a secure form. Moreover, phone lines can easily be tapped or abused! You MUST KNOW your rights!

(5) You can be nasty with them by asking their FULL NAME and IC NUMBERS and if they do not give, tell them you are going to hang up and that you have the right NOT to entertain. Threaten to report their name & company to Bank Negara and the bank concerned for their unprofessionalism.

(6) Normally, they would introduce their name but they would NOT give their IC numbers if you ask for it but then, this is a way to fight them back and not giving them a chance to discuss about your debt. If they insist not to give you their IC numbers, tell them off that you have the right not to entertain people you cannot identify personally eventhough they have introduced their name and company but this is NOT enough to identify them personally. So you have the right to just hang up the phone!

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answered on Oct 27, 2011 at 16:20
edited Jan 9, 2017 at 08:22
@My Long Experience

Thank you for your profound and well-experienced advice/message above on how to handle harassment by debt collection agents or officers.

Those who face harassment from them, please understand that they are using all kinds of methods just for one purpose, "FRIGHTENING YOU OFF OR SHAKING YOU UP TO PAY UP OUT OF FEAR/DESPERATION" but actually they are not representing their clients (i.e. the banks) as their legal representatives. Therefore if they threaten you with legal actions, know for sure they are just threatening by using legal threats. Legal actions are only taken by the banks' legal representatives.

Some debt collection companies have renamed their companies as if to imply they are from the legal entities/firms - for example they may call themselves "[K***** name removed] Partners & Associates". Anybody on hearing this name may feel it is from a legal firm but in reality, it is from an ordinary debt collection company. I once questioned such company with this kind of name and the officer who called me just said that they also have a legal department just to show/warn me that they have a department of lawyers and so "don't play play with them".

In reality, these debt collection companies cannot afford to have a legal department of lawyers and moreover, they have no reason to have one because all the banks have their own panel of lawyers. One more thing that really annoyed me is that the officer who phoned me pretended to be calling from a legal department and pretended to speak like a lawyer. This officer could not even speak basic proper English and my question to you, "Do you think this officer is a lawyer?". Actually, the officer (agent) was from a debt collection company. It got on my nerve and I finally fired the officer upside down and the officer back out. The next time, another officer was assigned to call me because the first officer felt very "malu" (ashamed/embarrassed). We must know how they work so that we can exercise our customer rights or human rights!

In short, the debt collectors or agents or officers are ONLY debt collection representatives just like those debt collection agents phoning & going around to collect monthly installments for goods purchased from companies like Courts, Grolier, Singer, some electrical appliances shops, furniture shops, etc.
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answered on Oct 28, 2011 at 22:01
edited Jan 9, 2017 at 08:39
Agreed with all the information..  I've faced that kind of harassment too. Sometimes I keep playing on them and sometimes I pretend I'm so scared to death. They even come to my office and residence. With all letters and nonsense things. Even, when I'm enroll with Agensi Kaunseling & Pengurusan Kredit (AKPK) they keep calling me and ask whether really I'm enroll with AKPK or not? If they're from a lawyer's firm they definitively know our status.

From now and then, they keep calling me. They'll keep changing a person in-charge and impersonate as Tengku or Puteri. When one of them ask how much I earn.. I said I got RM2,000 monthly.. and he said it's lot of money.. Then I asked him how much do you earn? He said only RM1,000 plus.. and he even claimed his name is Tengku.. and a lawyer!
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answered on Oct 31, 2011 at 22:35
edited Jan 9, 2017 at 08:45
New agent collector in town - Can they legally do this? Skip Tracing & Assets Locate.

Locating people who have moved hastily or that have secretly fled without giving notice, and absconded in order to avoid paying debts, some disregarding and omitting what intervenes, or those that are trying to hide from the law, can be located. Those that are "Missing" (for a variety of reasons) can in most cases be found through the paper trails they leave behind and this is one of the services provided by CCR Networks to trace missing debtors. We work closely with private and government agencies to trace these debtors.

Assets locate covers individual, business, corporate identification of assets and location of the said property.
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answered on Jan 9, 2017 at 03:21
edited Jan 9, 2017 at 08:49
If you check their company profile, you will see some of their Directors sitting on the Board were ex-Bank Negara big shots! So much for BNM protecting the consumers..
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