Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
22hb. Januari, 2017
Ketua Pengarah
Bank Negara Malaysia BY FAX : 03 – 2691 2990
Jalan Dato Onn
P.O. Box 10922
50929 Kuala Lumpur.
Tuan,
PERMOHONAN SIASATAN DAN PENYELESAIAN MENGENAI
KAD KREDIT DENGAN MBF /AMBANK (M) BHD.
INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
Dengan segala hormatnya, saya merujuk perkara tersebut diatas dan surat saya kepada AmBank bertarikh 3rd. March, 2015 and 23rd. July, 2015 and 23rd. October, 2015 dan 5 May, 2016 dirujuk.
2. Bersama-sama ini dilampirkan sesalinan surat-surat saya yang telah dikirimkan kepada pihak berkenaan, tetapi sehingga sekarang tiada penyelesaian dan ianya masih berterusan hingga faedah dan penalty dikenakan walau pun saya telah memaklumkan seperti berikut:-
i. Membayar setiap amaun yang dikreditkan kepada pihak-pihak berkenaan, tetapi tidak termasuk apa jua penalti, dan faedah dikenakan kerana tidak menerima penyata bulanan.
ii. Saya tidak dapat akses ke Penyata Bulanan melalui e-mail yang mana saya telah pun memaklumkan kepada mereka sejak awal-awal lagi, tetapi telah tidak diambil tindakan dan diabaikan.
iii. Saya sememangnya membayar setiap bulan dengan sepenuhnya sebaik sahaja menerima Penyata setiap bulan.
iv. Pembayaran yang kena dibayar dipercayai mungkin tertangguh apabila Penyata Bulanan tidak dikirimkan dan amaun tidak diketahui maka pembayaran tidak dapat dibayar hingga saya terpaksa membatalkan kad dengan serta merta apabila tidak menerima Penyata walau pun permintaan telah dibuat.
Oleh yang demikian, saya mohon bantuan dan kerjasama tuan agar tindakan perlu dapat diambil semoga nasihat tuan akan membantu saya.
Diatas bantuan dan kerjasama tuan, saya mendahului dengan ucapan ribuan terima kasih,
Saya yang menurut perintah,
(Krishnan Narayanan Nair)
Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
5th. May, 2016
The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur
Dear Sir,
INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
I refer to my letter dated 3rd. March, 2015 and 23rd. July, 2015 and 23rd. October, 2015 on .the above matter.
2. I regret to inform that despite my numerous request for the Monthly Statements which you had not forwarded to me since you may have commenced the E-monthly Statements. I also draw your attention that your officers had repeatedly on this matter, and I was told they will communicate with me, but to date, I have not received any response as yet. As I had informed your kind goodselves that my internet services are not available and I do not have access to the internet that I am unable to know the bills etc..
3. I regret to inform that being a loyal and faithful card hold for quite some many years, you non-response to my request for the all my Monthly Statements to be send to me vide Hard copy. Thus, to avoid unwarranted imposition of Penalty Charges and Interest which I am not aware and it is not known to me, . I had to request for the cancellation of the card. This add further problems to all my auto-debit registered with you.
4. In such a situation, how do you expect me to know the balance payable for each and every month. Now, I want to put an end to all dealing with this card and therefore, please forward all the Monthly Statement immediately so that the matter could be closed. Since your commencement of E-Statement, I had not been aware of the monthly balance and whatever payment made is only on a rough estimation. It is very embarrassing to me being a professional man may not have paid the balance in full for reasons stated. I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has further caused me embarrassment and undue frustration due to you not responding to me.
…2/-
- 2 -
5. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, and your failure should now cause undue hardship to me. I seek your kind indulgence to take immediate actions to solve this problem.
6. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I had enclosed a copy of my previous letter which was self-explanatory.
Thanking you in anticipation.
Yours faithfully,
(Krishnan a/l Narayanan Nair)
Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
23rd. October, 2015
The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur
Dear Sir,
INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
I refer to my letter dated 3rd. March, 2015 and 23rd. July, 2015 on .the above matter.
2. I regret to inform that despite my numerous request for the Monthly Statements which you had not forwarded to me since you may have commenced the E-monthly Statements. As I had informed your kind goodselves that my internet services are not available and I do not have access to the internet that I am unable to know the bills etc..
3. I regret to inform that being a loyal and faithful card hold for quite some many years, you non-response to my request for the all my Monthly Statements to be send to me vide Hard copy. Thus, to avoid unwarranted imposition of Penalty Charges and Interest which I am not aware and it is not known to me, . I had to request for the cancellation of the card. This add further problems to all my auto-debit registered with you.
4. In such a situation, how do you expect me to know the balance payable for each and every month. Now, I want to put an end to all dealing with this card and therefore, please forward all the Monthly Statement immediately so that the matter could be closed. Since your commencement of E-Statement, I had not been aware of the monthly balance and whatever payment made is only on a rough estimation. It is very embarrassing to me being a professional man may not have paid the balance in full for reasons stated. I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has further caused me embarrassment and undue frustration due to you not responding to me.
…2/-
- 2 -
5. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, and your failure should now cause undue hardship to me. I seek your kind indulgence to take immediate actions to solve this problem.
6. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I had enclosed a copy of my previous letter which was self-explanatory.
Thanking you in anticipation.
Yours faithfully,
(Krishnan a/l Narayanan Nair)
c.c. 1. Ketua Pengarah
Bank Negara Malaysia
Unit Kawalan Bank
50000 Kuala Lumpur.
(Untuk makluman dan perhatian tuan)
Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
23rd. July, 2015
The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur
Dear Sir,
INSTRUCTIONS TO STOP ALL AUTO-DEBIT/CANCELLATION OF CARD
REQUEST FOR CREDIT CARD STATEMENTS AND REQUEST FOR
WAIVER OF FINANCE CHARGES AND LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR -NRIC NO:[protected]-OLD)
==============================================================
I refer to my letter dated 3rd. March, 2015 on .the above matter.
2. I regret to note that I am yet to hear any response from your kind goodselves. It has more than five (5) months since I had notified you of the difficulties of not receiving your Monthly Statements, which may have caused or incurred unwarranted charges being imposed on me. It has caused me embarrassment and undue frustration due to you not responding to me.
3. In the circumstances, I write to inform you that, I hereby instruct you to stop all auto-debit instructions that I have given you for this card. I want it to be stopped immediately, and write to inform that I shall not be liable for any further charges and debits that may be done with immediate effect, viz: 23rd. July, 2015.
4. Once again, I humbly request you to waive all finance charges, interest or whatsoever charges that may be imposed as may be due to your non-postage of the monthly statements. I shall need some positive action from you, failing which I may take to proceed with any actions that deems fit and proper.
5. Please do no hesitate to contact me at 019 – 737 5523 should your need any further information and clarifications. I enclose herewith a copy of my previous letter which is self-explanatory.
Thanking you in anticipation.
Yours faithfully,
Krishnan a/l Narayanan Nair
Krishnan a/l Narayanan Nair
No: 109, Jalan Bukit Impian 10
Taman Impian Emas
81300 Johor Bahru, Johor H/Phone : 019 – 737 5523
3rd. March, 2015
The Manager
Customer Service Department WITHOUT PREJUDICE
MBF Cards Berhad
Credit Card Services BY FAX : 03 – 2167 7722
P.O. Box 10486
50714 Kuala Lumpur
Dear Sir,
REQUEST FOR CREDIT CARD STATEMENTS AND
REQUEST FOR WAIVER OF FINANCE CHARGES AND
LATE FEES THAT MAY HAVE BEEN CHARGED / IMPOSED
FOR CARD NO: [protected]
KRISHNAN A/L NARAYANAN NAIR
NRIC NO:[protected]-OLD)
==================================================
I refer to the above matter.
2. I write to notify your kind goodselves that I had not been receiving the monthly Credit Statements for the last couple of month. I regret to inform that this had caused a lot of problems and frustrations as I do not know what is the amount due and owing for each month. However, on a rough and unknown basis, I had made some payment which is only my estimation, which may not be correct.
3. Secondly, I write to inform that I had not requested for any other mode of Statements from you, including, Electronic Statements as I do not have access to my e-mail and I do not intend to use the e-mail. I also do rarely use my e-mails. Therefore, if you have done so, it has been done unilaterally for which I may not be responsible. My call to your office seems unanswered and I do not waste my payment for telephone charges as well.
4. As such, I write to seek your kind assistance to forward me the monthly Statements which had not been sent to me for my verification of the usage and payment as well as to waive the finance charges and late fees imposed (if any) and do notify me of the development. Please do send me the monthly statements requested as well. At the same time, I would also seek your kind consideration as to my request.
Thanking you in anticipation.
Yours faithfully,
Krishnan a/l Narayanan Nair
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