Just another rambling about my ptptn. I still dont have time to find the document, anyway according to them I owe them around 24.7k. Eeeii benci lah.
Anyway, this is unfair right? I mean, u terus block orang from going out to oversea (not that we want to move there) and have to pay FULL settlement. Anyone wants to make this as court case? Haha..MrComot said he's willing to pay for the cost, if there is a case and we can get a bunch of 'victims'. But I still have to read the fine print in the signed agreement.
Just a crazy talk.. ptptn is goverment, berani cari pasal? Hmmmm
Will update real thing later :)
i was once told off by PTPTN officer that it is our responsibility to go and check our hutang (instead of me barking at PTPTN regarding my changed of address).
ReplyDeletedia cakap if orang berhutang dengan u, u pergi cari ker, atau orang berhutang tu pergi cari?
masatu rasa nak marahhh aihhh.
but after awhile, yes, PTPTN memang la tinggi nak membayaunya, but it is their money we used to pay for our education, henpon hihi etc and it is our responsibility to pay back.
ada betulnya disitu. so pasrah sahaja lah...
adatla kita berhutang dgn orang, pesal nak marah bertubi-tubi bila orang tu mintak bayar balik?
ReplyDeletehaiii, you ada duit nak pegi holiday overseas, why don't you settle your debts first? then you nak pergi kutub utara pun nak dok situ lelama pun takde sapa nak block
jgn la bising-bising maki ptptn la apa la, dulu masa pinjam sedap je enjoy kan? bila nak bayar punya liat, konon-konon surat tak sampai la. sekarang sistem canggih, boleh check viz internet. tiada alasan la.
haha exactly!!!!
ReplyDeletePANDAI SEMUA ORANG. But before I continue, ADA I MAKI PTPTN? Wahh this getting interesting.
I know tanggungjawab untuk bayar, but bukan lump sum ok! And ada I cakap I ada duit pegi oversea? Kalau company yg suruh I pegi and they tanggung how?
Anyway back to pasal hutang. Come on babes, they check the pinjaman all based on IC. On my IC, address updated. Even my IPTA pun hantar surat alumni to my current address. HOW COME PTPTN BOLEH KEEP ON SENDING LETTERS TO UNRESPONSIVE ADDRESS JUST LIKE THAT AND BUAT BODOH JE TAKDE ORANG BAYAR, PASTU CAKAP YOU TUKAR ALAMAT, U LAH UPDATE. LIKE HELOOOO? U GOVERMENT, U HAVE ALL THE INFOS U NAK SURUH I ISI BERAPA KOYAN BORANG? I mean it's like they can PETIK JARI je check address with JPN if orang tak response and can send summon or whatever. Bukan suruh bayar lump sum.
err..encik/cik/puan saya & anon..for me myself, i admit semuaaaaaa pernyataan anda berdua (walaupun anda mungkin org yg sama). cuma...yang menjadi kebisingan di sini ialah 'sistem' yang digunakan untuk blacklisted org. macam saya, bayar..dan bayar dan bayar pun..cuma bayar bunga.hutang tetap la tak selesai lagi ni. eh silap..bukan bunga, yuran penyelenggaraan.
ReplyDeletesekarang ni kena ingat, negara kita berdaulat. apa-apa tindakan adalah atas izin dari Raja. yang dianggap sebagai perintah Baginda ialah perintah dari mahkamah. mungkin boleh diorang nak blacklisted orang, tapi ikutlah jalan yang betul. dalam kontrak pun dah cakap hal yang sama. pengalaman saya, untuk serve summons pada mana-mana individu..kita akan guna alamat yang diberi, semakan jpn atau kwsp. jadinya kat sini, bila ada saman dengan kaedah macam tu..saman akan dapat diserahkan (insyallah).
kalau nak cakap hal enjoy, on my part..takde apa yg dienjoykn. (mungkin ada..tak nafikan) tapi serious..sepenuhnya dihabiskan untuk yuran, penginapan kolej, buku & fotokopi. makan minum still mak ayah bg duit. so, kat mana keenjoyan duit ptptn ye? boleh kerat jari tanya dengan budak law..ckup ke ptptn nk tmpung hidup sbg pelajar undang2?
p/s : sorry lalink..me bukan nak gaduh. me just nak clarify n giv my opinion je.
Oh ya, to anonymous, sekarang sistem canggih, tu la I tak faham tak sangka PTPN NI HULU SANGAT TAK PANDAI PAKAI SISTEM, PAKAI SISTEM LAMA LAGI KAH?
ReplyDeleteLalink, me know..me tak nak gaduh, but this fella really trigger my anger la. Me takde kutuk2 pun tiba2 tak pasal2 je. And yup..apa la enjoy sangat. Me got 18k for 3 years, bayar buku yuran tempat tinggal. Handphone pun takde, final year baru ada tu pun my mom bayarkan topup. Makan pun ala2. Pizza hut tu like end of sem baru makan sebab ada duit balance.
ReplyDeleteAnd me tak kutuk la pulak..according to agreement me have to pay fix 21K only but because of blacklisted me kena bayar almost 25K, ada me complain?
Hahh ni yg aku nak marah ni. Stupid la
kdg kdg collection system dia org banyak flaws and they stuck dont know how to ask people to pay. pastu mula la nak buat cara jahat sampai menyusahkan org.
ReplyDeleteactually they are doing all sort of ways to demand for the money without realize that, they need to look at their system before menyusahkan org.
pity u babe. but kalau pegi oversea dont forget my fridge magnet.
:-)
lalink..same as me.
ReplyDeleteme bayar dan bayar dan bayar pun..ntah bila nak settle hutang sebab me cuma bayar administration fees je rupanya selama ni.
mr.lampard punya kawan yang kena hantar pergi jepun, dua minggu before fly baru dapat tahu blacklisted. so, pinjam bank. bayar lump sum gna duit simpanan + loan bank. sian dia ok, trpksa postpone kawen sbb duit kawen dh gna bayar utang.
last resort, loan bank. they offer better service in how-to-claim-monies. hahahahaha. byr lump-sum ptptn. walaupun a bit annoying sbb diorang 'rajin' call..at least, kita sentiasa beringat.
haha..tetiba sokong bank yg buat panggilan annoying plak.
dear.. cian u.. i rasa takde pun u maki ptptn tu.. hm sbrla eh, yg drop by blog ni mcm2 org.. hmmm..
ReplyDeletei ada bc buku keluaran parlimen ke apa ntah tahun lepas kat library ni . ttg pendidikan at mesia kot. so antara soalan yg ada, adun yg tya naper takleh mansuhkan 3% tu, jawapannya, sbb duit tu derang pinjam dari kwsp. so bila lmbt byr kat kwsp, kwsp pun charge interest jugak kat ptptn.. hmm
MariaHafiz,
ReplyDeleteYg 3% tu ok..mmg ada stated admin fees since masa kita sign kan..so jadi 21K. Ni tiba2 tambah extra 4K, mai mana ntahhhhh. We have to pay their crazy canggih system la kut lalalala
nak nyampuk boleh? (nie my mrs. zach la yang pengaruh me nie).
ReplyDeleteme sangat sokong apa yang mrs. zach dengan miss aan cakap. hutang ptptn tu rasanya bayar berapa pun macam tak setel. dulu berdikit2 me bayar bulan2. yela, masa tu gaji kecik, bayar la sikit. pastu gaji naik sikit, bayar la banyak sikit. tapi macam tak gerak jer. rasanya bayar hutang bank pun dah lama setel dah. tak kan nak bayar separuh gaji kot??
en/cik 'saya'. me nie dah call ptptn update alamat dah berapa kali dah. kena tulis surat, me tulis. berhelai2 dah. tinggal tak pergi sana jer lagi. tukar alamat baru jer me update. tapi sampai sekarang tak pernah dapat apa2 surat pun. rupa2nya alamat kat info still alamat lama. alamat 10 tahun dulu tu! nie baru minggu lepas update alamat. tak tukar jugak lagi! me tak kisah pun... diorang hantar surat saman ker.. apa ker.. jangan salahkan me kalau me cakap me tak dapat. dah memang tak dapat. nak pasrah pun berpada la encik/cik 'saya' ooiii...
encik/cik 'anon'. kitorang nie tak der la sampai nak gie kutub utara. thailand, singapore tu pun tak tentu lagi. pastu idak la jugak kitorang nie jenis berenjoy2. me dapat 21k 3 tahun study dulu. tapi yang sampai ke tangan me berapa 'k' jer sebab selebihnya terus ke U. ok la.. tak per la.. dah kita nak belajar kat sana kan. duit belanja mak abah tanggung jugak. handphone ker apa ker langsung tak der pun. sistem canggih ptptn tu, encik/cik anon, memang kitorang peminjam nie guna. tu pasal tau blacklisted ker tak.. hutang tinggal banyak mana pun tau. tapi sekarang nie isunya, diorang tu sendiri guna ker sistem tu? rajin2kan diri la.. bak kata mrs. zach, banyak cara nak cari orang. bukan terus hukum jer. nak hukum pun ada prosedurnya. tapi kalau file dokumen pun boleh hilang.. (me experienced this too) canggih mendenya...
btw, walaupun dulu ptptn me 21k, tapi sekarang me kena bayar almost 29k! me wasiat kat anak cucu me jer la nampaknya untuk setelkan berapa yang tak dapat bayar tu...
sori ek miss aan.. jadi ruangan lepas geram pulak entry u nie. :D
hmm..
ReplyDeletetry buat surat rayuan. bgtau yg u akan byar some of the amount dulu(like rm10k ke) and the rest tu akan bayar bulan2
then cter la yg ur financial baru nak stabil, so perlu masa utk settle ur loan.
huhu, me pun tak check lagi my ptptn
Errmm...tatau nak kate ape. Sy pun serik dgn PTPTN sbnrnye. Padahal dah buat surat tukar address bagai. Tapi tetap anta kat alamat umah lama. Mcm mane tu?
ReplyDeleteMmglah ramai student yg bt pinjaman tp dah keje diorang rite? Buat jelah. And lagi satu, mmglah kitorang seme nie berhutang. Org kate, pandai hutang...pandai byr lah kan? Tapi cube pk. Berapa ramai la lepasan graduan yg dpt gaji less than RM1.5k? Bukan sikit tau, tapi ramai! Dah lepas dr paras kemiskinan rasenye. Dgn kos yg makin meningkat. Saving pun tak dpt so mcm mane nak bt bayaran pinjaman balik? Dah tentu2 byr sikit2 je rite? Bile byr skit2, agak2 dpt habiskan tak jumlah duit yg kite pinjam tu? Yg lepas cume bunga aje. Mmm...mcm mane gaya tu?
ala bayar je la hoi. takyah bising-bising daaaa
ReplyDeleteyou nak fight apa? government is alaways right. bayar je.
lump sum pun lump sum la. sebab dulu oyu bangga gila kan tak dapat2 surat ptptn suruh bayar pun
huhu Aan... drpd nak komen psl ptptn... i tertarik dgn kemunculan komen anon tetiba :P
ReplyDeleteI think dia tak paham yg ur isu is about address updates yg tak di update tu, making u unaware of the warning letters.
biarlah, ada yg nk provoke u ni.
i think idea Rena tu mcm worth trying. Apapun...tak salah kalau buka isu ni as 'teguran membina' kan- System diorg pun maybe perlu la dipantau from time to time, since I tgk cni mcm ramai plak ada prob dgn address change (I think itu la motip highlight kt blogpost ni kan). So that in future pihak berkuatkuasa tak serabut juga manage filing seme. Utk kebaikan bersama gitu. Mcm de prob kt data entry/update kan. At the same time, on ur side, I think mmg lah ada mistake sbb tak cek online updates, but I think now u are aware dan tak perlu la kot org sekian2 nak ungkit2 the way u spend or apa2. I think ur isu kt sini, on ur side, to be given saman yang tak kesampaian wpun u dah update the address. Sapo la tak terkejut takde warning. So kalau org yg tak paham tu, biarkan je la.
I suggest u take matters diplomatically, write an apology letter (but do mention u did update address but surat tak sampai) + rayuan utk bayaran mcm suggestion Rena :-) I pernah tulis surat extend tempoh start bayaran masa nk smbung blaja dulu. Diorg bg, but then bunga still jalan... so after a few months I byr jgk wpun masa tu tgh blaja (guna gaji keje part time). coz for me, wpun sistem diorg might have flaws, I'm grateful ada pinjaman ni dulu as it helped me a lot and I hope my payment will somehow help other ppl lagi. (wpun pros n cons dia are debate-able) Kdg2 tu wpun keadaan tak menyebelahi kita , kita cari jalan positif, betulkan niat supaya hati terasa tenang, dan mana tau akan dipermudahkan in other ways. Rezeki bleh dicari... yg penting Niat :D Good Luck Dear.
Ey sis, ptpn mmg ada address issues lah.
ReplyDeletePreviously me hafta update my current address like 3-4 kali kot(in written form) along with an endless list of follow-up calls to them baru lah diorang tukar.
Talking about the debts, tho dah start bayar ever since keje 2-3 years back, rasanya baru reduced 1k kot from the total amount, sebab asyik dok kena membayar bunga jer tak abih2.
Kot tetiba me terjumpa hidden treasure somewhere, 1st thing yang nak kena settle hafta be the ptptn debts. Nak settlekan loan diorang lagi teruk daripada nak bayar loan bank.
Hi all, best jugak issue ni hahaha. Anyway anon tu personal attack kah? Do I know u?
ReplyDeleteOh ya, pasal rayuan tu I know..masa I call dah clarify everything and dia ada bagi step by step what to do. But my highlight is, sistem derang yg so-called canggih tu (MANA ANON MANA? PLEASE TUNJUK SISTEM TU). And macam Khairiah cakap, mcm mana they dapat kuasa utk blacklisted orang without hantar saman ke apa. Even kalau kes polis pun akan hantar saman dulu, MAKE SURE orang tu RECEIVED and RESPONSE, kalau tanak, baru buat further action.
Macam la susah nak dpt alamat.
Get it?