How should we judge a government?

In Malaysia, if you don't watch television or read newspapers, you are uninformed; but if you do, you are misinformed!

"If you're not careful, the newspapers will have you hating the people who are being oppressed, and loving the people who are doing the oppressing." - Malcolm X

Never argue with stupid people, they will drag you down to their level and then beat you with experience - Mark Twain

Never argue with an idiot, otherwise people won't know which one of you is the idiot.
Since light travels faster than sound, some people appear bright - until you hear them speak.

Why we should be against censorship in a court of law: Publicity is the very soul of justice … it keeps the judge himself, while trying, under trial. - Jeremy Bentham

"Our government is like a baby's alimentary canal, with a happy appetite at one end and no
responsibility at the other. " - Ronald Reagan

Government fed by the people

Government fed by the people

Career options

Career options
I suggest government... because nobody has ever been caught.

Corruption so prevalent it affects English language?

Corruption so prevalent it affects English language?

When there's too much dirt...

When there's too much dirt...
We need better tools... to cover up mega corruptions.

Prevent bullying now!

Prevent bullying now!
If you're not going to speak up, how is the world supposed to know you exist? “Orang boleh pandai setinggi langit, tapi selama ia tidak menulis, ia akan hilang di dalam masyarakat dan dari sejarah.” - Ananta Prameodya Toer (Your intellect may soar to the sky but if you do not write, you will be lost from society and to history.)

Saturday, April 12, 2014

Peeved by CIMB Auto Finance in Ipoh

Was asked to collect registration card by my son with an authority letter (sent by email after  letter with signature had been scanned). My IC was inccrrect as well as incomplete but this turned out not to be a problem, but the signature! I must admit, I wasn't too happy with the faint signature, but despite this, I was told his signature was too different from that shown in the HP agreement!

I told them I am the father of the borrower, and my IC shows the same address, but that weren't good enough. According to their procedure (as required by auditors), the signature must be similar and that the two were too different. The alternative was to ask my son to fax another letter properly signed direct to them.

The standard operating procedures can be very different between banks. I wish to compare my personal experience dealing with HP accounts of Hong Leong Bank and CIMB.

After having paid my 7th instalment (of my 5-year loan), HLB asked me if I wish to take home the car registration card! In the case of CIMB, my son had just paid 47th instalment of same period loan, and yet I had to face the hassle mentioned above! Why the former bank could trust me with just 7 prompt payments but the latter could not despite having paid almost 4 years out of 5?

HLB sent me yearly statements of instalments paid, but I have just confirmed with CIMB that they do not send out yearly statements. In other words, 'no news means good news' until you receive a warning letter of unpaid instalments. I have just used Maybank's Giro Interbank Transfer (for the first time) and I had to ask CIMB Auto Finance whether the payment had gone through. With earlier payments by cheque, I had to rely on the acknowledgements and assume everything was ok.

By the way, Maybank Batu Gajah has created problems for some of their customers concerning HP instalment payments. Customers are advised to use the ATM machines wherever possible to avoid joining the long queues waiting to be served at the counter. A foodstall operator had this problem of not using the cash deposit machine because it accepts only certain denominations of Ringgit. By using the machine, she has to pay a sum over and above the instalment amount. She has no cheque account and does not use internet banking.

1 comment:

Anonymous said...

Maybank service is sucked.