Ways of harrassment by Banks

While you are in the DMP .. banks will NOT stop harrassing with phone calls and letters . Banks will :

1. Call you by your handphone asking for payments. At the initial stage, bank's telephone numbers will appear on your handphone screen, the bank's telephone numbers are easily differentiated by their unique numbers e.g 03- xxxxx0000 etc., Usually , the calls will come in at about lunch time .... everyday.

2. At the later stage, the banks will adopt a "private no" to call you which means no telephone numbers will appear on your handset screen. Similarly, asking payment from you .

3. "Private no" will appear more frequent during the early hours of the morning when you have not made any payment to the banks, however, this time when you press to answer the phone, no one was speaking at the other end, and lines cut off.

4. SMS will arrive in your mailbox in the evenings more frequently threathening stern actions will be taken against you.

5. SMS will arrive in your mailbox requesting you to call back the bank center.

6. Each time the officer over the phone was a different person from the previous .

Banks are really Childish ... they are playing with your mind ... to disturb you at different occassions just to annoy you ,hoping that you will pay some instalments to stop them from calling again. They are no gentleman, having known that you are in the AKPK DMP, they harass you more often ... I do NOT know why do they behave such a way ? Since the inception of AKPK , it has been 3 years now, many cases had been dealt with , thousands of AKPK cases processed, banks should be more mature to accept the procedure. As the AKPK officer says :"once you are in the DMP, do NOT bother about the banks, do NOT pay any money to the banks ... AKPK will do the payments when you are in the programme."

AKPK says one thing, Banks practice the other things !

Some bank officers can turn the other way round to tell me that " Do NOT trust on AKPK, the process by AKPK on the application will take months, you will better pay up your instalments, if you don't, what will happen if your application fails ? you have more debts to pay .... ". What a stupid advice from the bank, if I had the money, should I approach AKPK for help ?

After battling with the banks for almost 2 months ... I am sick with the banks, I find the banks are inmature, childish ... Yes, I blamed myself for borrowing money from the banks, Yes, I do tell myself it is my duty to pay back whatever borrowed back to the backs, and all this while , I had been observing a gentleman deal with the banks, I answered to all their calls, however, they had NOT shown a little mercy on my hardship. The banks are no better than the animal ... when we are in the hardship, we seek for counciling to find our way out, perhaps, someone is kind enough to shed some light to lead us through the hardship. What did the bank do ? I am totally disappointed with their attitudes ... gone with the banks , I have no confidence in you anymore ! I will take every opportunity to screw up the banks from now on .. as the chinese saying goes " you celebrate your 1st day, I will cheerish on the 15th day".