I’ve no definite explanation on a subject that I’m gonna whining about. It’s a bit scary n it also offer a financial aid when u needed them. What’s that?
PTPTN study loans…..
Where shud I begin?.. I always put things off n it does reflect in d-repayment of PTPTN study loans. Well, it really hit me when I received d- 1st WARNING letter (about a week ago) which stated that if I didn’t start to pay back within 14 days from d-date of d-letter, they’ll file a lawsuit against me. My LORD!!!!!!!
Actually, I’m ok with that as I’m financially n mentally ready to begin my “pay-back” time. However, d-only fly in d-ointment is, I had to pay them RM14,300 instead of RM13,000. Wut d-heck!!!
Fine, I know that u guys gonna blabbing over d-interest n bla..bla..bla..which I’m aware of by now. The thing is, I’ve requested a postponement and I got a positive reply from them. I tot that d-re-payment-thingy only started on January 2007 as I graduated in August 2006. Clear????
Wut pissed me off is, I check my loan account balance yesterday and I was freezed in shock for a sec, then only I realized that they imposed d-re-payment process in January 2006. See?...that’s really boiling me up.
And immediately, I sent an email to them to express my displeasure and my concern with regards the payment issue.
Hi,
I am (edit), IC: (edit) and I graduated in August 2006. Supposedly (edit). Regarding the loan payment, I have sent a mail to request for postponement. Subsequently, I received a reply from your side stating that I am eligible for the postponement. And yet, when I check on the 2006’s statement, it stated that I should have started pay the loan in January 2006.
My big concern is, when exactly my loan payment begins? Shouldn’t it be in January 2007? Below is the screen shot of my statement for 2006. I do hope you can clarify on this matter.
Many Thanks.
To my surprise, they reply back less than 24 hours. Wanna know wut they’ve got to justify everything?..please see below.
Salam…
Tuan,
Emel anda dirujuk.
Sebagaimana yang telah dipersetujui dalam perjanjian, pinjaman dikenakan kos pentadbiran 4% setahun (bermula Januari 2004 sehingga seterusnya dikira atas 3 %) ke atas baki berkurangan mulai tarikh mula patut bayar balik pinjaman iaitu 6 bulan selepas mengambilkira tarikh pengesahan tamat pengajian / tamat pinjaman (mana yang terdahulu). Semua peminjam PTPTN adalah tertakluk kepada kos pentadbiran.
Untuk makluman anda, walaupun penangguhan diluluskan tetapi Pengiraan kos pentadbiran tidak akan ditangguhkandalam tempoh penangguhan, kos pentadbiran tetap dikenakan. Penangguhan bayaran balik akan mengakibatkan jumlah ansuran pada masa akan datang menjadi lebih tinggi, kerana tempoh bayaran balik yang menjadi lebih singkat. Ini kerana penangguhan tidak akan menganjakkan tarikh akhir tempoh bayaran balik. Ia hanya menganjakkan tarikh mula bayaran. Oleh itu, ia akan menambahkan lagi beban kewangan pada masa akan datang.
Sekian dimaklumkan.
Get it guys?...wut a virtual LOAN SHARKS.
PTPTN study loans…..
Where shud I begin?.. I always put things off n it does reflect in d-repayment of PTPTN study loans. Well, it really hit me when I received d- 1st WARNING letter (about a week ago) which stated that if I didn’t start to pay back within 14 days from d-date of d-letter, they’ll file a lawsuit against me. My LORD!!!!!!!
Actually, I’m ok with that as I’m financially n mentally ready to begin my “pay-back” time. However, d-only fly in d-ointment is, I had to pay them RM14,300 instead of RM13,000. Wut d-heck!!!
Fine, I know that u guys gonna blabbing over d-interest n bla..bla..bla..which I’m aware of by now. The thing is, I’ve requested a postponement and I got a positive reply from them. I tot that d-re-payment-thingy only started on January 2007 as I graduated in August 2006. Clear????
Wut pissed me off is, I check my loan account balance yesterday and I was freezed in shock for a sec, then only I realized that they imposed d-re-payment process in January 2006. See?...that’s really boiling me up.
And immediately, I sent an email to them to express my displeasure and my concern with regards the payment issue.
Hi,
I am (edit), IC: (edit) and I graduated in August 2006. Supposedly (edit). Regarding the loan payment, I have sent a mail to request for postponement. Subsequently, I received a reply from your side stating that I am eligible for the postponement. And yet, when I check on the 2006’s statement, it stated that I should have started pay the loan in January 2006.
My big concern is, when exactly my loan payment begins? Shouldn’t it be in January 2007? Below is the screen shot of my statement for 2006. I do hope you can clarify on this matter.
Many Thanks.
To my surprise, they reply back less than 24 hours. Wanna know wut they’ve got to justify everything?..please see below.
Salam…
Tuan,
Emel anda dirujuk.
Sebagaimana yang telah dipersetujui dalam perjanjian, pinjaman dikenakan kos pentadbiran 4% setahun (bermula Januari 2004 sehingga seterusnya dikira atas 3 %) ke atas baki berkurangan mulai tarikh mula patut bayar balik pinjaman iaitu 6 bulan selepas mengambilkira tarikh pengesahan tamat pengajian / tamat pinjaman (mana yang terdahulu). Semua peminjam PTPTN adalah tertakluk kepada kos pentadbiran.
Untuk makluman anda, walaupun penangguhan diluluskan tetapi Pengiraan kos pentadbiran tidak akan ditangguhkandalam tempoh penangguhan, kos pentadbiran tetap dikenakan. Penangguhan bayaran balik akan mengakibatkan jumlah ansuran pada masa akan datang menjadi lebih tinggi, kerana tempoh bayaran balik yang menjadi lebih singkat. Ini kerana penangguhan tidak akan menganjakkan tarikh akhir tempoh bayaran balik. Ia hanya menganjakkan tarikh mula bayaran. Oleh itu, ia akan menambahkan lagi beban kewangan pada masa akan datang.
Sekian dimaklumkan.
Get it guys?...wut a virtual LOAN SHARKS.
2 comments:
whattt...u still haven't start the payment yet..??
yes! i agree with u.
PTPTN was the VIRTUAL LOAN SHARK.
my mommy won't let me take it. instead, she's willing to pay the fees when i get myself into university. she tells me that i should ask for MARA scholarship after a sem/year studying. isn't it a good idea to run away from virtual loan shark? ;)
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