Home / Malaysia Bankruptcy Law / Business & Consumer Bankruptcy Law Kudrat Partners is worst Owning MBB

Kudrat Partners is worst (modified 0 times) SS70 I own Maybank RM 8,000.00 ,they oso send the same collector to speak to me.First is Daniel act as top management & asked me to paid RM 4,800.00 immediately & I borrow from my relatives & do so then Devan call me almost everyday & oso said that they will take my car ,take my hse but I told them that I got notthing then they said very bad words.when the 1st month of the week sure thy will call....hei when u got your salary......when u wanna paid..... I oso got so fed-up & I tell them that if the keep on calling I will suicide & c they get what.Theyare not rough to men but to women too.........terrible maybank can end up with partners like this........ 12 Jan, 2011 16:00:11

RE:Kudrat Partners is worst (modified 0 times) romeo Looks like everybody should avoid may bank credit cards and personal loans. 14 Jan, 2011 08:47:43

RE:Kudrat Partners is worst (modified 0 times) SSSS I face the same problem with this Kudrat Partners. Just tell them that you are going to pay through AKPK, then they will stop to harass you at least for few months. And for your easy life - go and get help from AKPK. Looks like all so called debt collector dont like AKPK because they cant make money when we are under AKPK program. Try your best. 14 Jan, 2011 17:50:35

RE:Kudrat Partners is worst (modified 0 times) faqs just ignore them... 18 Jan, 2011 16:09:45

RE:Kudrat Partners is worst (modified 0 times) Manama I have a similar unpleasant experience with Kudrat as well. They have been calling me non-stop for several months now and it's always, pay up this amount or else the bank will sue me. Well, at first I was compliant as I thought they would sympathize that I was in between jobs and had no money to pay. So one day at the end of last year, a most unpleasant lady named Rachael told me that I must pay RM3k of my RM16k debt in order to facilitate a term payment. I still thought she was trying to help me but then it turned sour when I told her that there was no way for me to get that kind of cash in a week or so. She told me that if everyone said that then the bank will lose out and that everyone manages to get the money. She also told me to borrow from anyone I could because if I didn't then the bank will sue me. Ha! I do see a pattern here with everytime they can't get their money they resort to the threat of suing somebody! I also have incured more debts trying to get said money. But of course they don't care. Then things started to get more sour as the new year passed. At this stage, Rachael told me that they have agreed on a RM830 monthly payment. In which I said, there was no way to do it but instead offered to pay RM500. She then said that was the final offer and if I can't make it, the bank will sue me. She also said that the 27th was the cut off date to pay. Then her boss John (who seems nice at first, will tell you more as my story progresses) calls me up to ask what was wrong with the offer. I said I couldn't pay it. Not because I didnt' want to, but because RM500 is all I can afford. Then he says that that was all they can offer because they can't bend the law according to me. He also said to think long and hard if not I will get sued. Ok, so the dateline has come and gone. Rachael calls on the date itself and asks me what time I will be banking in said amount. I told her that I can't make it. She said that I had promised. (If I know I don't have the funds, i definitely would not have promised!) So she tells me that I have until the night to pay or else... Anyway, do keep in mind that when they are talking to me, it is never in a nice tone of voice. Backtracking for a bit, about a week ago, I walked into HSBC to ask if I could pay them directly as I feel like Kudrat has been quite harsh. I spoke to a HSBC representative there and she advised me to write a letter stating how much I can pay and my reasons for wanting to do without Kudrat. I had written that I felt that they were harsh especially with their words. She then said that whe would forward my letter to Kudrat and the relevant parties. I said ok, and I'm still waiting on them. So, on the 27th, I was bombarded with calls and messages from Kudrat to call them back. I finally wrote an SMS stating that I will only speak to them if I get to pay RM500 a month and if that is not possible, I would only want to speak directly to a HSBC representative or take on AKPK's services. Guess that didn't go too well, because their boss John called and asked me why I said that I was harassed by them. I said, you call constantly, and are not nice and you threaten to come to my house! He said well, we are following the law. Well, yes SIR you are but the law also does not allow you to raise your voice at me and tell me that I am not the one harassed but instead I am harassing your people. Can you believe the nerve! He said I was harassing his people! How so? He said because I said they have been harassing me. Unbelievable! What kind of people are working here? Dellusional perhaps? He also said that they were being nice as to not sue me. I said go ahead. And he said, well, you wouldn't have the money anyway. He added that I should have thought about it before borrowing from the bank. I said well, I lost my job after I received the credit card. He said it's not the banks problem. Have a nice day! So here it is. Yes I do owe the bank. No, I do not want to skip payment. But Kudrat is not accepting RM500 and they are the biggest prats there ever was. So AKPK it is. Even though Kudrat says that I will have a difficult time with them. Maybe, I don't know. But at least I've met the people there and most of them are former bank negara staff and will not treat you badly. Somebody must make this problem with Kudrat or other agencies more apparent in the eyes of the public or govt bodies. They must be more courteous and of course logical in their arguments with us. There is no need to add more insult to injury. 28 Jan, 2011 14:28:18

RE:Kudrat Partners is worst (modified 0 times) romeo I want to share something with you guys... Everytime Kudrat calls me up, as soon as I hear their voice, I put down my handphone and leave the call is still running so that they waste more phone bills. If they call again, I press the answer button and put it down again. 18 Feb, 2011 12:28:02

RE:Kudrat Partners is worst (modified 0 times) ss70 so that mean HSBC also under Kudrat .......That means you guy & gal do not use MBB & HSBC Credit Card or else you got into trouble 03 Mar, 2011 17:13:26

RE:Kudrat Partners is worst (modified 0 times) DamnKudratPartners YES... They threated us as if we borrow from Along!.. Can we report this to Bank Negara?. That is not the way to treat us!. They even threaten me to report to my HR!.. Will definitely avoid using Maybank facilities after this!.. Will spread the news to my friends as well!.. 17 Mar, 2011 15:12:17

RE:Kudrat Partners is worst (modified 0 times) faqs just tell them that u can sue them if they breach bafia law...and u will take a hell out of them 18 Mar, 2011 09:07:58

RE:Kudrat Partners is worst (modified 0 times) IVYW Actually if you can prove that the debt collection agency had harassed you incessantly and is in breach of BAFIA regulations, one of things that you can do is to sue both the bank and the debt collection agency. Usually these cases you get compensated about RM4k to RM6K depending on the circumstances. Irrespective of what the Terms and Conditions in your credit agreement says, agents or banks cannot harassed you or give out your details to unathorised third parties especially of it will cause damage to you. And no, you don't have to use a lawyer to sue.....you can sue in person but you need to know complete the paperwork and gather evidence against these collectors. 19 Mar, 2011 03:09:01

RE:Kudrat Partners is worst (modified 0 times) faqs dear ivyw, what is the complete evidence and paperwork to do that? could u enlighten us? 19 Mar, 2011 08:14:44

RE:Kudrat Partners is worst (modified 0 times) IVYW Actually I got this advice from a lawyer I met while waiting for my case to be called in court. To be honest I have met a few helpful lawyers along the way while in court. You will need to keep a diary of the time and date when the calls are made, the telephone no, the person who called you and what was being said to you. If you happen to have one of those phones that can record a telephone conversation, record the conversations between the collector and you, you must note down what was harassing and if they have make any threats at you. If they happen to call your home or work place note down anything that they may have said to a third party that may have compromised your privacy and if the collector gave out any details to the third party. Make a police report as soon as possible against both the bank and the collector's company You must make a written complaint to the bank and give them a time frame to reply. The letter should be cc'ed to bank negara and you must put in the letter to add pressure on the banks to take actions against the collector. If the bank failed to reply within the time frame you have given, give them a final letter of demand. This should build up your case. Follow this with a formal letter to Bank Negara and cc a copy to the bank. All the records from the above will now serve as your evidence to sue both the bank and the debt collection agency. Next step you should draft up your saman, similar to one that the bank sent you when you default, and attached a supporting evidence with all the paperwork that you have collected attached as exhibits and file it at the court. Then the journey begins........ However, i have not done this yet so this is all theoretical at best. 19 Mar, 2011 23:06:29

RE:Kudrat Partners is worst (modified 0 times) zack-kl if this "khudrat" call again pretend you want to meet them in person somewhere you can confront them nicely... just mentioned to them if they can find you....you also can find them ....then you think what you want to do... all this peoples is succumbag... if the bank want the money use all the legal means ...not employ all this thug.... teach them a good lessons .... bcos the owner is one big shot of police, so what???? 23 Mar, 2011 22:58:26

RE:Kudrat Partners is worst (modified 0 times) eagle they forced me to sign proposal agreed to mke pyment monthly of 400 instead of 100 i willing to made. they are really kurang ajar n like son of the #####. wonder how maybank can hire them. all this culprit wont give their real name. none of us will get same collector. i really tke them personally n wanted to see one by one. this is Jebat descdndent #### u kudrat people 02 Jun, 2011 22:30:25

RE:Kudrat Partners is worst (modified 0 times) takethemon Just call the bank and tell them that you will not pay anything until Kudrat is no longer handling your case. When they confirm that another debt collector is now handling your case, then only you start paying installments. 06 Jun, 2011 17:15:00

RE:Kudrat Partners is worst (modified 0 times) cyborg Today a guy name James called me and asked me to pay RM4,000 on this Friday. My outstanding is RM8,000. Well, I think that will not happen as I want to go to AKPK after I read this forum. At the first time he cannot get my handphone number so he called my nenek at kampung asked for my hp no. My nenek immediately called me said that this bloody donkey is threaten to do something bad to me and my family. So, I told to my nenek to give my hp no because I want to talk with him personally. Yes, this donkey is very rude. After I read this forum and some advise from my wife as she also working in the government legal department I want to go to the AKPK and MAYBANK. If this donkey don't like and keep harass me I will make a police report and BANK NEGARA. If anything bad happened to my nenek because of his bad words either today or any day I will do something even worse to this donkey that he never imagine. I hope we can stand together to fight this kudrat. Anyway thank you for the information given in this forum. 21 Jun, 2011 23:34:52

RE:Kudrat Partners is worst (modified 0 times) lala I am also under kudrats list.. thing is i could only make a lum sum payment of 1000. balance now i cant afford also. point is i just left it as it is. couldnt be bothered that much cause there are worst things that can happen. take this as a pinch of salt. when have money than settle. no point stressing yourself. thats what i've learnt. 20 Jul, 2011 13:02:21

RE:Kudrat Partners is worst (modified 0 times) !@#!@#!@```` Looks like the people who complaint overwhere don't know how to honour ur DEBTS....and i believe have VERY BAD CREDIT HISTORY....SO TO THE PUBLIC ....IF U DON;T HONOUR UR DEBTS OWNED TO THE BANK ...BANK WILL FIND TAKE EVERY ACTION...EVEN HIRING AGENCY YO HUNT YOU DOWN....COZ PPLE LIKE YOU SPOIL THE NATION.... 27 Aug, 2011 03:36:48

RE:Kudrat Partners is worst (modified 0 times) faqs go #### u jerk 27 Aug, 2011 08:25:24

RE:Kudrat Partners is worst (modified 0 times) Jefri Basically I agree with "!@#!@#!@" and as a matter of fact, the bank will not hunt for your nor will the collection agency if you do your payment (if you don't want to be harass by anyone). The moment you apply c/card, you agree to their terms & conditions that if you violate or default the payment, you will be held fully responsible. I am in this line for years, and my personal advice, do not avoid any calls or listen to those whom can't help themselves but ruining others. If you are not happy, walk-in to the bank direct and do a proposal of monthly payment. End of the day, you are the most happiest person after paying off your debts. 29 Aug, 2011 10:43:34

RE:Kudrat Partners is worst (modified 0 times) PEACEFULLY Hi everyone.....Just SHARE my EXPERIENCES with you.......Went to AKPK....the officer told me if the debth collecters keep calling during your LUNCHES and DINNERS with your family !. CHANGE YOUR PHONE/CUT THE LINE !!!! 2. If you can't afford to pay! MOVE OUT and go to a peaceful place where at least you will have peaceful LUNCHES and DINNERS this time with your family and NOT AFRAID to OPEN YOUR MAIN door for some FRESH AIR !!! 3. At leat we BK have some space to THINK what we are going to do/plan our future.....STRESS / WORRIES can't make you THINK BETTER...... instead The STRESS DISEASES / WORRIES will resulted your blood clot your arteries and you will die before reaching 50-55 where you suppose to have your retirement savings to help you at least for sometime...... AKPK officer said it works for most of his clients as they came and crying for help but they can't afford to pay......they rang to him privately and give a THANKS !!!! I FOLLOWED HIS REMEDIS, and works for me!!!! I enjoyed MY LUNCHES and DINNERS and whats more A SPRING of FRESH AIR at my door step !!!!.....I can SING and THINK WELL.... GOOD LUCK TO YOU ALL !!!! CHREES UP !!!! 29 Aug, 2011 12:44:16

RE:Kudrat Partners is worst (modified 0 times) Eddie This is my report to maybank .. still wait for answer & action from maybank .. if today don't have answer .. i will going to police report, Bank Negara Report and Suruhanjaya Syarikat Malaysia (SSM) report .. Hope u all can support me ........................................... To : MR. LIM Outsourcing Services Operation Card & Unsecured Lending MAYBANK 08 DISEMBER 2011 Tuan, ADUAN : TINDAKAN PIHAK MAYBANK YANG TIDAK PROFESIONAL Perkara di atas adalah dirujuk. 2. Saya telah dihubungi beberapa kali oleh Mr. Thayalan A/L Arumugan (Mr Allen) yang memperkenalkan diri sebagai peguam dari KUDRAT PARTNERS & CO SDN BHD yang telah dilantik oleh pihak MAYBANK untuk membuat kutipan kredit dari saya. Walaubagaimanapun tindakan Mr. Allen kepada saya bagi mendapat kredit melalui perbualan melalui telefon pada jam 3 petang kepada saya adalah sangat BIADAP dan TIDAK PROFESIONAL yang langsung tidak mencerminkan etika korporat yang baik pihak MAYBANK dan KUDRAT PARTNERS & CO SDN BHD itu sendiri. 3. Perkara ini bermula pada awal pagi kira-kira jam 10 pagi apabila Mr Allen menghubungi saya mendesak untuk membuat pembayaran penyelesaian baki kad kredit saya. Saya memaklumkan bahawa saya telah menghubungi pihak Maybank seterusnya mencadangkan saya supaya mengemukakan surat rayuan berhubung perkara ini untuk diselesaikan melalui jadual pinjaman ansuran . Saya bersetuju dan memaklumkan akan membuat pembayaran tertunggak sebanyak RM2000 dan bakinya diselesaikan melalui jadual pinjaman ansuran tersebut. Perkara yang sama turut saya maklumkan kepada Mr. Allen untuk mengemukakan surat rayuan dan menyelesaikan bayaran tersebut tengahari hari yang sama. 4. Walaubagaimanapun saya mengubah fikiran dan telah menyelesaikan keseluruhan baki kad kredit saya berjumlah RM 5507.28 kira-kira jam 12.00 tengahari di Maybank Putrajaya, Presint 3. 5. Kira-kira jam 3 petang, Mr. Allen menghubungi saya meminta salinan surat rayuan yang dikemukakan seterusnya bukti pembayaran RM2000 seperti yang dimaklumkan lebih awal. Saya telah menyatakan bahawa saya tidak membuat surat rayuan terbabit. Dengan tiba-tiba beliau terus memaki hamun saya. Antara kata-kata yang beliau gunakan :- · - mengatakan saya seorang putar belit · - mengugut dengan menggunakan nama Jabatan tempat saya bekerja · - mengugut dengan meletakkan tekanan untuk menjejaskan nama baik Ketua Jabatan saya. · - menipu dengan menggunakan fakta yang salah berkaitan undang-undang berhubung kaedah pengambilan tatatertib yang boleh dikenakan kepada penjawat awam. · - mengatakan saya seorang penipu · - mengatakan saya seorang penghutang yang bodoh · - mengatakan saya seorang yang miskin hina · - menghina bapa saya · - menghina ibu saya · - membalas dengan menggunakan perkataan ‘puk* mak’ berkali-kali apabila saya terlepas cakap perkataan yang sama apabila dihina oleh Mr. Allen. 6. Persoalan saya kepada pihak MAYBANK dan KUDRAT PARTNERS & CO SDN BHD adakah itu etika seorang pengutip kredit dengan cara menghina dan memalukan orang lain? Sepatutnya Mr. Allen menghubungi dahulu pihak Maybank untuk mengetahui status pembayaran saya sebelum menghubungi saya. 8. Ketika beliau memaki saya dengan kuat, seluruh rakan-rakan saya di pejabat dapat mendengar perbualan tersebut. Hal ini telah memberikan tekanan emosi serta mengaibkan saya selaku salah seorang pelanggan Maybank yang di akui syarikat bank terbaik. Dengan nama baik Maybank yang diakui dunia korporat, sepatutnya hal ini tidak berlaku. 9. Oleh itu saya meminta supaya satu penjelasan bertulis dan juga surat permohonan maaf oleh pihak tuan berhubung perkara ini. Terima kasih diatas perhatian pihak tuan. Yang Benar, ………TT……………….. MUHAMAD FIRDAUS BIN MUSA 830803-08-5777 013-2377247 email : firdaus.musa@sprm.gov.my 13 Dec, 2011 08:43:08

RE:Kudrat Partners is worst (modified 0 times) Eddie Saya telah pergi ke KUDRAT PARTNERS & CO. (M) SDN. BHD pada jam 2.30 petang 12 Disember 2011 .. Sebelum itu saya telah membuat temu janji lebih awal untuk hadir bagi bertemu MR THAYALAN A/L ARUMUGAN (Mr. Alan)yang pernah memaki hamun saya dalam telefon .. Walaubagaimanapun apabila tiba, dimaklumkan oleh operator terbabit Mr. Alan telah keluar bertemu customer (tadi dah janji, last2 x ada, sapa penakut dan putar belit sebenarnya) .. Untuk makluman, company HAMPEH ini berada di kelana jaya depan dgn padang sekolah .. Walaubagaimanapun, saya hanya di entertain oleh manager beliau MR. RAGUNATH PILLAI (Manager) .. Takkan nak maki manager dia kot .. aku jenis orang gentleman, tak puas hati baik jumpa dgn orang tuh direct .. Manager tuh cakap akan buat siasatan dalaman (Boleh caya ker)) .. huhuhuhu .. Bagi yang cuba mempertahankan tindakan KUDRAT PARTNERS & CO. (M) SDN. BHD dalam thread ini .. tolong jawab soalan-soalan saya :- 1. Mana dia undang2 kat Malaysia nih boleh maki hamun orang lain..sila tunjukkan 2. Mana dia undang2 kat Malaysia nih boleh ugut-ugut orang lain .. sila tunjukkan 3. Mana dia undang2 kat malaysia nih yang membenarkan mengeluarkan kata-kata lucah??? 4. Mana dia undang2 di Malaysia yang boleh ganggu hidup orang lain .. Untuk makluman, saya akan menentang kuat KUDRAT PARTNERS & CO. (M) SDN. BHD dengan apa cara sekalipun hatta keluar darah sendiri .. SIAPA MEREKA YANG BOLEH MAKI IBU-BAPA KITA???? .. dengan apa jua kebolehan yang saya ada, saya akan pastikan KUDRAT PARTNERS & CO. (M) SDN. BHD akan turut mengalami kesukaran .. INI JANJI SAYA !! Harap supporter turut menggunakan segala ruang yang ada untuk menghebohkan/memaklumkan/menceritakan tentang KEJAHATAN KUDRAT PARTNERS & CO. (M) SDN. BHD supaya imej mereka tercalar dan dimalukan .. seperti mana mereka memalukan kita Ayuh gunakan suara anda untuk menyatakan penentangan kepada KUDRAT PARTNERS & CO. (M) SDN. BHD !!! 13 Dec, 2011 08:46:11

RE:Kudrat Partners is worst (modified 0 times) faqs to eddie i really admire u since u really went to their office... if i am at /ur situation, i would have bring along a parang to him...or at least i will wait until that guy returns...and i follow him to his house and run amok there... or i will paste his number in all the tandas awam stating that "gay for hire". i bet /he will be called every night.... 13 Dec, 2011 15:45:00

RE: Kudrat Partners is worst (modified 0 times) MCMC @ Eddie, Never give up fighting Kudrat & Partners until you teach them a lesson. Write to Bank Megara, Malaysian Communications And Multimedia Commission (MCMC or its website http://www.skmm.gov.my) and also file a police report for threats that you received. If I were you, in the first place - I will NOT pay the bank a single cent. After all, they can't make you a bankrupt as it will take a long time to reach a debt of RM30,000. I do NOT think Mr Allen of Kudrat & Partners is a lawyer. Normally, lawyers do not phone up like this to chase for payments. Kudrat is a debt collection agency and NOT a legal firm although they like to scare people by saying that they have a "legal dept". Yes, they "have" but with unqualified "lawyers" from the university of Batang Berjuntai or dropouts from Form 5. Also you can hold a PRESS CONFERENCE to teach them a lesson once and for all. Remember, the MCMC has the authority to take action because Kudrats is abusing the phone communication to attack/threaten you. U can even report to Mr Michael Chong of MCA PUBLIC COMPLAINTS BUREAU to teach Kudrats a lesson for life!!! 14 Dec, 2011 03:01:36

RE:Kudrat Partners is worst (modified 0 times) Eddie Thanks for MCMC .. Menjelang petang ini 14 Disember 2011 .. saya akan membuat report police .. Tiada jawapan dari pihak Maybank dan Kudrat Partners .. MCMC .. I pay because responsibilty to pay my debt .. bukan sebab takut dimaki hamun oleh KUDRAT.. Also thanks for advised to report MCA Public complain.. But How to report to MCA??? 14 Dec, 2011 14:03:17

RE:Kudrat Partners is worst (modified 0 times) faqs MCA aduan pelanggan i think is the place where people seek help...they even can talk to ah /long to reduce someone's debt...imagine how the kudrta and maybank will face if this thing is highlighted... maybe the bank's image will tarnished... so guyz out there...please please do not put any money in maybank...it's pur money that is being used for the bank to be in operation...put all your money in others bank...quit using ur maybank account... 15 Dec, 2011 15:20:00

RE:Kudrat Partners is worst (modified 0 times) Danny MCA complaint bureau can't help much, I personally went there before, but there is no harm trying. 15 Dec, 2011 20:45:29

RE:Kudrat Partners is worst (modified 0 times) Danny MCA complaint bureau can't help much, I went there before, they will tell you to pay the debt. Anyway, since it is free, there is no harm trying. 15 Dec, 2011 20:48:42

RE:Kudrat Partners is worst (modified 0 times) Truth Rules Hello everyone .. Seems to see that most of them here hates Kudrats ways of collection debts, but was Kudrat the 1st agency to call u guys wen u own the bank? I dont think, come on la people you own the bank n whos money the bank is using? For where the bank is getting the money, if u say if its from there business and bank negara, Ok where does bank negara get the money? Basicly goverment, and goverment is the public!!...THE PROBLEM WILL BE SO F**KING EASY if you people knws how to manage your debts, a reminder notice, a sms a call is not enough are?.. If you how to spend money over ur limit then please realise how to settle them.. Blaming other is always a nice way to excape from problem.. U know when u need to settle the money then way ur delaying?? Why?? NO MONEY then why u have to owe the bank if u cnt pay bank? Maybank or KUDRAT got nothing to do its your ownself!!! Please realise that... 29 Dec, 2011 18:08:06

RE:Kudrat Partners is worst (modified 0 times) virnicia Banks are so bad and evil, selling credit cards at shopping places. Imagine if lawyers, dentists and doctors pleading with you for business at Giant and Carrefour. Can or not? This is why we fight banks and their ugly debt collectors. We don't pay them one cent. 29 Dec, 2011 18:24:21

RE:Kudrat Partners is worst (modified 0 times) Phillips Truth Rules also probably a debt collector from Kudrat - Please for gods sake, brush up your English before you even try to write and impart your two cents worth of nonsense! 29 Dec, 2011 21:28:33

RE:Kudrat Partners is worst (modified 0 times) faqs debt collector like him only finish PMR...or went on sitting for spm but fail miserably...low IQ... 29 Dec, 2011 23:51:51

RE:Kudrat Partners is worst (modified 0 times) McGarrett truth rules ni mesti barua anjing celaka dari kudrat yg hanya fikir komisyen 25% utk kudrat dari jumlah hutang peminjam..lagi banyak hutang lagi bagus..kalau bayar banyak lagi bagus..dan dari 25% tu ko aka agen collector pun dapat bahagian gak..tu yg korang cam orang giler mintak duit kat orang...so pathetic (info ni aku dapat dari collector agent yg terkantoi pecah lubang..heheheh)..hahahaha...woi mangkuk..bukan salah mereka kalau mampu bayar hutang, masa mereka apply card mereka ni mampu bayar dan mana ada orang yg tak mampu bayar nak ambil credit card or loan, tu cari nahas namanya. adakala nyer bak kata pepatah langit tak selalunya cerah..di tambah lagi dgn masalah kos sara hidup kat malaysia ni spt nak ikut negara berpendapatan tinggi padahal gaji masih di takuk lama...dgn banyak co buat VSS utk pekerja..interest bank semakin naik..so macamana hutang nak habis bayar? nak suruh rakyat malaysia yg berhutang ni merompak ker? bank pulak pelbagai caj yg di kenakan, late payment pun mau RM 50..kalau tertunggak pun walaupun kita bayar bulan2 utk sebulan pun kira late payment..mana tak naik.. bila nak bincang bayar sikit2 yg kita mampu bank tak mau..kalau boleh lump sump atau monthly yg tinggi..hello..u ingat kalau orang cakap tak mampu nak bayar tu kononnya mampu la yer...kalau peminjam sanggup call bank utk bayar itu namanya memang nak habiskan hutang...tapi bank yg tak mau berbincang dan bank yg paling teruk sekali maybank. to collector aka kudrat dan lain2 lagi.. korang kalau kutip hutang bahasa cam sial..pegawai collection bank pernah cakap kat aku, kerja collector ni hanya remind saja...di ulangi REMIND customer sahaja utk bayar hutang...bukannya suruh gertak, ugut, tipu customer..pegawai ni juga pernah cakap co zuri pernah di reject bank dia kerana meyalahi peraturan dan ramai customer complaint. dia juga cakap apa2 hal or ada duit nak settle just berurusan saja dgn pihak bank cuma kena pergi ke dept yg betul.dia juga cakap walaupun bulan2 bayar sikit tapi menunjukkan inisiatif nak bayar, pihak bank juga berbesar hati utk kasi diskaun utk hutang itu ..abaikan outsource collector ni pasal kerja dia just remind customer jer pasal officer bank takde masa nak buat tu semua.. 30 Dec, 2011 11:17:03

RE:Kudrat Partners is worst (modified 0 times) hs27 Dear All, I facing the same problem, they did the same thing tome also, i'm just owing RM3k and i had settle RM 1.5k. They scold me the bad words and no manners... Not professional at all!!! 30 Dec, 2011 12:04:13

RE:Kudrat Partners is worst (modified 0 times) faqs TAHU GUNA ....TAHU BAYAR.....BELAJAR LA DARI KESILAPAN JANGAN JADI MACAM ANAK PARIA DUK BISING KAT ONLINE.... TAPI TAK ERTI NAK BAYAR....BODO , BANNGANG...BERANI NAK BERANI SANGAT , PEGI BAYAR.....KAT BANK....JANGAN DUK BUAT MUKA MACAM ANJING KENA KUTU DUK LARI DARI KE-HUTANGAN U ORANG...HAHAHAHHA 14 Jan, 2012 04:20:32

RE:Kudrat Partners is worst (modified 0 times) faqs u really have the guts to use my nick..memang dasar barua anjing..debt collector pengecut..burung xde kot...hahaha... i bet ur bird is so small...thats y u use other people nick... haha...no bird...small bird...xblh nak puaskan nafsu...pengecut... 14 Jan, 2012 22:54:20

RE:Kudrat Partners is worst (modified 0 times) faqs debt collector r low IQ..no brains...no bird...spm pun xlepas..mesti selalu kena denda masa dkt sekolah..kena rotan...kena buli...haha...debt collectors were born to be bullied... 14 Jan, 2012 22:56:27

RE:Kudrat Partners is worst (modified 0 times) Haris It seems everyone fight for their rights ... REFUSED TO PAY THEIR DEBTS but making lots of huha on line by exposing thier naked debts. Not a good ethic. Should feel ashamed. Owing money to the bank that had entrused loan credit facility. Think about it and be a good entrusted nation. 26 Jan, 2012 17:53:24

RE:Kudrat Partners is worst (modified 0 times) felicity Everybody stop paying the banks!!!! Together we will bring them down. 26 Jan, 2012 21:54:50

RE:Kudrat Partners is worst (modified 0 times) faqs not only stop paying them..get all ur money out of the bank... its our money in bank that they leverage it to make profits... sebab tu kerajaan takut pada skim2 yang menjanjikan pulangan kepada pelabur dan tidak berdaftar dgn so call BNM...nanti semua org simpan duit kat tempat lain..blh menjatuhkan institusi perbankan (ayat mudah) and haris..i bet u dont even know what leverage means..since u r not er....well educate... 27 Jan, 2012 11:27:05

RE:Kudrat Partners is worst (modified 0 times) zizong Debts Collectors tried to make us ashamed telling our families and office colleagues about our debt. So we tell the whole world on-line about our debts!!! This is the brave new world order. 27 Jan, 2012 13:35:05

RE:Kudrat Partners is worst (modified 0 times) Phillips Actually I have no shame with informing everyone about my debts. I've told my family, my friends, my office and no one has any issues with it. I've had these debt collectors calling my house which I've told them to get lost, then they threaten to call my office which they did but my colleagues told them to go to hell cos everyone knows my situation and I've been educating everyone what rights debt collectors have, which is nothing at all really. All they can do is chase you like some pathetic human being cos they paid for your file and need to recoup their money. Educate yourself on your rights and you don't have to worry about these debt collectors. All they can do is talk and threaten, nothing else. Tell everyone about your financial problems, don't be ashamed of it, we're only human and make mistakes in life. Once people know about your financial situation, it'll become harder for these blood ######s to threaten your family, friends and work places :D 27 Jan, 2012 14:56:55

RE:Kudrat Partners is worst (modified 0 times) Haris Dear Phillips, They should not haunt you in this manner. If so, the collectors code of conduct is totally unethical. The process has been laid by BNM and all the collection agencies are bound to it. It is the protocol that the matter. You talk to the bank and make yourself clear rather than keeping isolate. Do up a monthly paying proposal, based on your affordability. Regards. 28 Jan, 2012 12:39:56

RE:Kudrat Partners is worst (modified 0 times) kudrat sucker problem is most of people who used MBB credit cards are given by the banks during their gud times when they have gud career...some of the people i believed used to pay in gud manner until their life were ruined because of the economy is not doing so well...i believed this because i was also one of the gud pay master and BANKSSSS keep calling me insist me using their CREDIT CARDS.... SO this is BANK, when u in gud situation they force u to used their credit facilities but when u in bad shape suddenly u r the worse people to them and ask this bloody Kudrat to call u... so guys... I pray this things will also happened to them one day or their family.... 24 Mar, 2012 00:33:10

RE:Kudrat Partners is worst (modified 0 times) VICTIM Hi Guys, I want to share my experience as well. Last two years my hubby was laid off, therefore, I had to fend for us and of course I could not keep up with my HSBC credit cards' payments. HSBC passed my case to Kudrat. I told them I could not afford to pay as yet because of my financial problem at the time. Guess what ? They threatened to report me to my HR and they came to my office. Needless to say, I lost my water face. They even resorted to coming over to my house and I lost my water face again in front of my neighbours... They are really evil, cruel people!!!!!! But HSBC is even worst!!! Finally, we are stable now and I called up HSBC saying that I would like to make a full settlement...Guess what ? The settlement said they have resorted my case to Kudrat therefore I have to speak to Kudrat...Blooody Hell...Am I borrowing from Kudrat or HSBC??? Really so sick with all this people... 28 Mar, 2012 10:03:03

RE:Kudrat Partners is worst (modified 0 times) Kancil I just found this thread. I want to share my experience with an "islamic" bank. I bought a Kancil in 2003 using islamic banking. The monthly installments around RM400 x 7 years. I have been paying to the bank for several years from 2003 (first year) up to 2009 (7th year). Early 2009 I had some financial difficulties, so I cannot pay installments punctually. I did receive calls but I didn't know whether the caller from bank or debt collector. I was working one day (March 2009) when My car was reposessed by the bank. I have to call my brother to send me home. The next morning I borrowed my wife's car. I went to see the bank officer to see how much I have defaulted. I have defaulted 5 months installments ie RM2,000. I did ask the officer why the repo my car? Why the bank did not consider my track record for the past years? The answer was simple:- it is because of the agreement I signed with bank. The bank also charged me legal costs, repo cost and other charges. The repo costs alone is RM2,000 !!!!!. Altogether I have to pay RM4399 to get my car back !!!!!! Since I have no money, I have to borrow from a friend. I paid the bank get the car back. In May 2009 I have enough money to settle the whole installments to the bank (full settlement). Now April 2012 I still regret the way the bank treated me. 04 Apr, 2012 14:45:47

RE:Kudrat Partners is worst (modified 0 times) joegiant now these pple is in some firm call "Zurin" or whatever stupid name company lah, just walk into my office this morning, they was lucky that i was not in, if tomorrow they still come, i sure will ask many question to let them know who there are! really stupid... but also pitty them lah, just a job ma, why cant they find a better job leh?! 04 Apr, 2012 16:25:05

RE:Kudrat Partners is worst (modified 0 times) the silent one I also having experience with kudrat partners. they call me at office and said that they from lawyer office. i never get any letter or notification in writing from them. suddenly they asked me to make full settlement for my credit card. and ask me to sign 1 letter which stated i will make full payment on the certain date. luckily i did not sign yet. i search info about kudrat partners and found this forum. the way they act is more likely force me to settle all my outstanding balance within a week. it is crazy...where should i find money... 17 May, 2012 11:24:46

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