Skip to main content

Putatan Platinum Apartment 4 : Bank Muamalat vs Me vs Developer

I was enlightened today. But not in a good way.

I just found out the root of my Putatan Platinum Apartment Late payment interest problem. After asking for advices from multiple people, I found out that my late payment interest was caused by somewhere in the bank processes while processing my Loan. A bit complicated but thanks to Gmail with its big email capacity, i can trace all the old email i have received and sent.

To my surprise, my hesitation on talking via phone regarding official stuff pay off. Now I can read back all the conversation i had via email and it helps a lot.

The loan agreement was signed by me by end of 2011. It somewhere around october according to my email with the officer in Bank Muamalat. after that there were no more conversation, i presumed at that time the bank must be processing my Loan as that is what they supposed to do right?

The next email conversation I had was with another officer in Bank Muamalat. I remember that the new officer said the previous officer already been transferred or promoted i could not remember as it was not mention in the email. What was mention in the email is regarding my Mortgage Takaful payment was due. The email dated back on 5/09/2012. almost a year after i signed the agreement i believed.

The following conversation via email showing that i've paid what they ask me to pay and the conversation stop at 8/10/2012. A month after the first email. That was it.

Checking back at my late payment interest statement, Bank Muamalat only pay the developer on October 2012. A month after i settle the Mortgage Takaful payment. The delay however already accumulate to 10 months.

For the past 9 months before that, there had been no issue informed by the bank to me.

So now, my concern is:

1. Is myself the wrong here as i only pay the Mortgage Takaful, after almost 10 months signing the agreement with the bank. In my defense, Bank never call me or inform me regarding that payment. How would i know there is another Mortgage payment after I've paid almost RM15000 to the developer for the advance payment part. Logically, no one will go to the bank and ask then whether i need to pay them anything. They should inform to me earlier.
2. Is the bank the wrong here as they never inform me regarding extra charge or Mortgage Takaful which cost around RM700? Or they will say that I am the one who should go to the bank and ask them if there is any extra charge for my house loan.
3. Will the developer be bother about the two of us (me and the bank). They only need the money as documented in the Sales and Purchase agreement. There is black and white documentation for them to ask the payment from me.

I still do not know how to settle this thing. I have called my lawyer and as usual, they will check it for me. There were no "stat" in other world except my job maybe. My bank tell me that they were still checking up on the issue. Typical.


I am the one in the middle. I have not get my house key, i have not yet check the apartment for any defect, have not yet installed the door grill, and anything inside. I am the one who suffer the most in this case. Everyone else just wait and see but i want answer and action stat.

Comments

  1. i have called SPNB KL,
    and latest i heared is that next week they will conduct a meeting at KK. to settle all those.
    i dont know whether it will help to settle all this or not. at least they can do something. right.
    you can call 0326185623 , MS YUZ . so that more ppl then more chance to argue with them (kinsadana).

    i also have get my key same case with you. Kinsadana only agree discount 10% from my last call to them.

    so hope this next week meeting can get more discount or even waive it.

    law 0168320208

    ReplyDelete
  2. I have forgotten about this issues i raised up in my blog. All i know, i was given 10 % discount from Kinsadana which is not much after all. And Bank Muamalat until today never call me and i never follow up with them anymore I don't think they are trying to help me after all. Bank is still a bank, they want money and they will never give you money.

    ReplyDelete

Post a Comment

Please leave your comment below.

Popular posts from this blog

Astro Remote volume not responding

I have been looking around for solution when my Astro beyond remote start having problem where it does not want to control the volume of my astro anymore.

The strange thing is, the remote seem fine and only the mute and volume won't respond.

After realizing that the remote cost around rm250 to be replaced, I start thinking that this is not an ordinary remote control.

After a few minutes of research (only) I found out that this remote can be programmed to be synchronize with our television.

Hmmm. So the remote problem must be cause by it some programming error.

Haha.

Turn out of you have similar problem like this, all you had to do is to press OK button with volume down until it bleep 4 times then it will be ok. This method canceled the volume control for the television ( meaning that you can only control the tv volume not the decoder).

Later I found out that if you want, you can use your tv only volume to control the astro thus no hassle to have 2 remote at the same time.

Master in Pathology (Malaysia): A Guide To Apply.

Well, I got carried away in previous post talking about my experience taking entrance exam for Master in Pathology. You can check it here:


Master In Pathology: My Experience Entrance Exam That was not my first attention on trying to write such post. My intention was to share on how to get into that entrance exam in the first place. So here it is. A step by step guide on how to get yourself into the entrance exam. 
A Guide to Apply for Master in Pathology (Mpath) 
1. Make up your mind. I've seen a few of my friends who apply for this pathway and get confused before it begin. Ask yourself, are you really interested in Pathology? Do you know what pathology is? Do you know what kind of work are you going to do in Pathology. 
Most of the time, people thought pathology MO or specialist were all just sitting down drinking coffee and chit chat all day long. No work to do. Think again. The best thing to do is to get yourself into the department itself. Work as a pathology MO first, in a few…

Master in Pathology (Malaysia): My Experience Entrance Exam

I've told earlier that I wanted to talk about my experience taking entrance exam for Master in Pathology or MPath but talk about my celcom problem instead. - All Google App not working Over Mobile: Celcom Experience.

It has been years since I took an exam paper, this time I had to. To continue in master program, we need to sit for an exam organized by KKM along with Universities which were held in University Malaya this year. Living and working in Sabah, going to University Malaya means...money. Ticket, accomodation, transportation such as taxi, all need to be accounted for. Unfortunately, this year exam were held a month earlier than scheduled and the information regarding that arrive to us like 2 weeks before that. We were pretty much stressed out because the air ticket prices were all expensive. We have no choices as the everything was on short notice. I hate this kind of situation.

We have to go to peninsular twice, the first one for the workshop on how to answer the exam and…