I went back to my hometown last weekend and met an old friend. I helped him once negotiating with his creditor (banks) and Alhamdulillah most of its loan were now properly schedule and some were even settled.
But bank is just being a bank, a license-money-landing-blood-sucker, after two years of piously paying his debt, lately an officer from of the bank called saying that he actually got one more small loan account which has not been paid, or to be accurate not within the earlier negotiation. So the loan amount keeps exculpating and until today it already triple of the balance he remembered!
I was quite surprise when he told me that, but at the same time frustrated with him for not been careful enough to check thoroughly.
Anyway, again I will try to negotiate with the bank for him and hopefully the bank will accept base on his good track record.
I remember last time when I negotiated with the banks some of them is being very unreasonable. For example one officer from BSN Ipoh, who wanted to execute Writ Seizure and Sale against his (my friend) property, I manage to have it stopped and subsequently canceled. After the writ was cancel, I called the officer asking whether my client (friend) could pay by installments the debt, arrogantly the officer rejected my request (without thinking that his writ was actually cancelled and that he had no other means to recover the debt except by my friend own good intention). The officer even blocked the account to disable my friend from paying by installments. Funny, isn't the bank intention just to get their money, why then stop people from paying even little by little? If they think that the installments payment will disturb execution process, just then inform the court what is the current balance of the judgment debt. They fat lawyer should be able to advice that!
By the way, to cut short the story, this time when this friend came again to see me, I straight away inform him that this time I will not negotiate with the same stupid officer but rather to 'shoot' one legal letter to his manager, HQ and Bank Negara complaining his stupid attitude.
One last thing is to advice this poor fellow to go to AKPK and ask AKPK help him to restructure the debt. I am quite sure AKPK will be able to help him base on his sincere track record. Among the advantage of going there is that AKPK will try to negotiate with the bank on his behalf. This time bank will accept, because AKPK is an agency under Bank Negara..hehe (one of my favorite facts). So no more dealing with stupid arrogant officer.
Other benefit of AKPK may be found at their website, just google for AKPK..