Cintai Malaysia Card and West Dyna Quest Scam

I have the same problem where some one called me and threatened that I must upgrade to gold card if not they will continue charging me annual fee. I think we need to find out a way to stop all these crook. I had never used their service and never signed an agreement to upgrade. How can they force us to upgrade. Should we complain to the consumer association?

There is this telesales calling my wife whom I gave a supplementary card. They managed to get her credit card number, by saying: "We are going to provide you a member card and it's free. We just need your credit card number for verification."

Then after a week, I receive a SMS from this company saying, "Thank you for the purchase of membership." I straight away called my bank, but the bank said it's has already been charged to my credit card account.

I've filed a dispute of charges and urged the bank to investigate, then returned the membership card package to the company.

Recently, this company called up with threatening tone asking why I don't want their package, why cancel, and why return... saying that they have the recorded conversation.

Today, they called up and asking to post a letter to them upon saying that we disagree the charges and just need to pay RM100 the their loses.

My points are:-
1. How can these RATS cheat peoples money? Some more walk under the sun.
2. How can they billed us without any kind authorisation from the owner of the card?
3. Further more, these RATS dare to call up to yelled at us when they failed to "cheat" my money.

Ladies and Gentlemen out there, please watch out when people call you for banking particulars.

I am now annoyed by the call from this travel company.

Now they said just post a letter to them saying that we disagree the charges and just need to paid RM100 to cover their loses. What's that? Fraud some more ask for more! If in other situations, I might at least consider. But now, I would treat this as fraud and I hate people who cheat in business.

The few important and only vital points for you to consider now are:

1. Since you had filed a dispute of charges to your bank and had been charged to your credit card account, it is the bank's role to see whether you could have any choice of refund.

2. You don't need to be afraid of threatening, if you don't pay them, your member card will be terminated. You don't owe anythng.

3. You maximum loss in this deal is RM100.

4. You don't need to write any letter or say or do anything else to them.

5. Yours RM100 had covered everything. Treat this as an expensive lesson.

Thank you very much, that's the best analysis and most applicable to this case.

By now you may have closed this matter. Then my comments may be just academic to you.

It appears to me that you are falling into your own trap to your own detriment. You allowed your anger to cloud your common sense.

From your posting, it was Cintai Holidays [CH] claiming having a "valid" contract [verbal] with your wife, as your supplementary card holder, to authorise debit your card for a merchandise.  Your card issuer had paid CH. I suspect, though it is unclear from your posting that your card issuer had taken action to debit the advanced sum paid. I believe the card issuer has all rights in this and there would be no defend by CH against the issuer.  CH remedy apparently left to go after you.

The purported verbal contract enforceability against you, I believe is dubious. CH has the onus to prove the existence of the contract. Yet they are vitilating factors that render it enforceable. One of them is misrepresentation by CH.

The SMS does not mean anything to verify its validity.  It is a tall order to prove conclusively the fault lied in you. The burden of prove is on CH.  The trouble to do this would easily more than the amount claimable from you.  It makes more sense to hook for another ****** than cracking you this tough nut.

Fortunately most consumers are too eager to dig their own graves while letting their anger to take over their common sense.  When the consumers are frighten with gigantic claims, they tend to negotiate for smaller settling sum and ignoring the important point it was the merchant's burden to establish its claim.

Merchants generally smart for abstaining from written demand that would tie them to their initiated legal position.  The obvious is to force the consumer verbally to agree to whatever settlement terms they could get. If the consumer shows to be a tough nut, then the merchant merely let it died off quickly.

You should plainly state your position that your disagreement to their wrongful charging your account.  Full stop.  Leave it to them to do whatever they want to establish their claim.  Deal only with written communication.

A small kid can **** in your leg. But you cannot punch the kid in his face.  Similarly, you are just an individual.  The merchant is having more to worry about corporate image.

A better way is to stay put. Apparently you made the serious error, in my personal view, to attack to your funeral.  Perhaps you still can seek for refund under mistake.  CH would usually just do nothing and you would have the problem in deciding how far you are willing to recover this petty sum.  Alternatively, learn this as a lesson. It is worth every sen for this petty sum paid.

When they called me last 3 years, they said membership is for life without additional charge. I changed my mind then tried to cancel the transaction with the bank right after that but failed. So I paid and learnt my lesson.

But today they called and said they will automatically upgrade my membership to gold card and I need to pay them RM590. Otherwise they will charge me RM420 annual fee for my whole life.

I told him that I want to cancel my membership but he said for the cancellation I will need to deal with "other company". But he is unable to give me any name when I request. He ended up the call by congratulating me for paying RM420.

This is a very much a fraud company that I really wish I can end it.

You have the absolute right to reject their offer to upgrade your card existing status. Tell them politely that you do not have money for that. They will not pursue you if you are broke. Have a nice day.

I am facing the same problem where the telephone operator keeps on calling me despite being told politely initially to cancel my membership since I have never used any of their services. Then they called again saying that there's no such thing as cancellation. After telling them again and again I don't want to continue with the service, the operator keeps on calling, harassing and threatens me that if I don't upgrade to their platinum card which of course, have to pay few hundred ringgit....that my name will be shifted into another list where they'll charge me annual fee. Best part is this time they claim to get the banks involve too.

To Cintai Malaysia Company, kindly investigate this matter and stop the harassment done by the operators. I am now living in uneasiness after receiving the call today. Kindly help me.

I also have the same kind of problem facing by them.  The Cintai Malaysia operator keeps calling although you already inform that you don’t want the card.  I still remember the operator name call Siti which use the phone no 01233017XX, say although you say don’t want the card and membership still need to pay the money to upgrade to platinum.  She still insist that their will keep calling and charge us monthly membership fee.  I think the government needs to take some aggressive action against this issue.  Kindly help me.

I just received the same call from the staff cintai  malaysia. Woman with the name of Nurulakma. she asked me if I upgrade to a platinum card, I said no because I think I lost because I did not use, you had to pay RM599 Upgrade, I have twice paid but not used, so I said do not upgrade, he sounds angry, I said I want to terminate my credit card . sHe said I know your card still active . Even if i disagree they would be deducted from my maybank credit card.  SHe said each credit card must have a backup credit card which is  cintai malaysia card. so I call maybank officer, then he said no such thing. To all let's do a complaint with the NCCC mass public.I never sign any agreementwith cm.