Your MP's Question of the Week #53

(Terjemahan ada berikut di bawah – 中文翻译,请看下面。)
Case of “lost credit card and MBF Cards (M’sia) Sdn Bhd”

Update, 29 April 2009: Bank Negara Credit Card Guidelines, available here.

During one of my service nights scheduled for my constituency on every Wednesday evening, a classic case of a “lost credit card” problem was brought to my attention.

The cardholder, who came to see me, has a credit card which is issued by MBF Cards (M’sia) Sdn Bhd. I was informed that when he received his statement for a particular month he discovered that there was record of transactions which he had not personally transacted for that month. Only then did he realize he had lost his credit card and he immediately reported to MBF of the lost card. MBF waived a few transactions totaling RM101.00 but insisted that the cardholder pays for the remaining transactions, which the cardholder is disputing.  Now MBF has instructed its lawyer to take action to demand for payment totaling RM8,808.52 from this cardholder even though he had clearly stated that he did not authorize the transactions in question.

I was disgusted by the attitude of MBF. Apart from not replying to my letters dated 20-02-2009 and 05-03-2009, which were copied to Bank Negara, its high-handedness in instructing its lawyers to take action against a “small man in the street” was a blatant act of bully. It is especially so when MBF knew fully well that Bank Negara had been informed of this matter and should therefore investigate the matter thoroughly before taking harsh action against the cardholder. Because of this unacceptable manner MBF had acted, I was then compelled to do some research into the subject of liability with regard to “lost credit card.”

Many credit card holders are not aware that our Bank Negara has guidelines called “BANK NEGARA CREDIT CARD GUIDELINES” and the Guidelines came into force in June 2004. The Guidelines are issued pursuant to Section 25 and 70 of the Payment Systems Act 2003. Any person who fails to comply with the Guidelines may be guilty of an offence punishable under Section 57 of the Payment Systems Act 2003 and upon conviction a fine not exceeding RM500,000 and in case of a continuing offence, shall in addition, be liable to a fine not exceeding RM1,000 per day.

The two clauses of the said Bank Negara Guidelines clearly stated as follows:

15.2 The cardholder’s maximum liability for unauthorised transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by the issuer of credit cards, which shall not exceed RM250, provided the cardholder has not acted fraudulently or has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen.

15.3 Where the amount imposed on the cardholder for unauthorised transactions due to lost or stolen credit cards is in excess of the maximum liability limit, the issuer of credit cards has to prove that the cardholder has acted fraudulently or failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen.

From the said two Clauses it is crystal clear that a cardholder will be liable for a sum not exceeding RM250 for lost card unless the credit card issuer can prove that the cardholder has acted fraudulently or failed to inform them as soon as reasonably practical after having found that his/her credit card is lost or stolen.

In my said letter of 20-02-2009 I did specifically request MBF to prove that the cardholder did authorise the said transactions in question i.e. acted fraudulently.  Despite having sent a reminder on 05-03-2009 to MBF and copied the same to Bank Negara, the company chose to ignore it. This obviously smacked of MBF’s arrogance. I had already lodged a formal complaint against MBF for its flagrant breach of Clause 15 of the said Bank Negara Guidelines in order to protect public interest i.e. the “small man in the street” must be protected from corporate giants like MBF.

With the existence of the Credit Card Guidelines, should Bank Negara Malaysia prosecute MBF Cards (M’sia) Sdn Bhd for flagrant breach of Clause 15 of the Credit Card Guidelines in order to set an example for other credit card issuers to strictly adhere to all conditions contained in the said Credit Card Guidelines?

– Terjemahan oleh Lee Wee Tak – Ucapan ribuan terima kasih dari Wee Choo Keong –

Soalan Mingguan Wakil Rakyat Anda ke-53

Kisah “Kad kredit yang hilang dan MBF Cards (M’sia) Sdn Bhd”

Semasa malam perkhidmatan saya saban malam Rabu, saya telah dirujuk kepada satu kejadian kad kredit hilang.

Pemegang kad tersebut yang datang berjumpa dengan saya memiliki satu kad kredit yang dikeluarkan oleh MBF Cards (M’sia) Sdn Bhd. Saya diberitahu bahawa tatkala beliau menerima penyata untuk bulan tertentu, beliau mendapati catatan urus niaga yang tidak diluluskan atau diketahuinya. Hanya pada waktu itulah beliau perasan bahawa kadnya sudah tercicir dan beliau dengan segera melaporkan kehilangan ini kepada MBF. MBF telah mengecualikan beberapa urus niaga berjumlah RM101.00 tetapi tegas minta pemilik kad ini membayar urus niaga lain yang beliau tidak bersetuju untuk bertanggungjawab. Kini MBF telah mengarahkan peguamnya mengambil tindakan menuntut bayaran sebanyak RM8,808.52 daripada pemilik kad ini meskipun beliau tidak meluluskan urusniaga ini.

Saya amat kecewa dengan sikap pihak MBF. Selain daripada tidak membalas surat saya bertarikh 20-02-2009 dan 05-03-2009, yang salinannya juga dikirimkan kepada pihak Bank Negara, sikap angkuhnya mengarahkan peguamnya mengambil tindakan terhadap “orang biasa” adalah angkara penindasan golongan lemah. Lebih-lebih lagi apabila MBF tahu bahawa Bank Negara telah dimaklumkan dan siasatan terperinci patut dibuat terlebih dahulu sebelum tindakan keras sedemikian diambil terhadap pemilik kad tersebut. Oleh kerana sikap yang tidak boleh diterima ini, saya terpaksa membuat penyelidikan dalam perihal tanggungan akibat keciciran kad kredit.

Ramai pemilik kad tidak tahu bahawa adanya garis panduan daripada Bank Negara bertajuk “BANK NEGARA CREDIT CARD GUIDELINES” (Garis Panduan Kad Kredit Bank Negara) dan garis panduan ini berkuatkuasa mulai Jun 2004. Garis panduan ini dikeluarkan berikut Seksyen 25 dan 70 Akta System Pembayaran. Sesiapa yang didapati gagal mematuhi garis panduan ini mungkin boleh didapati bersalah dan boleh dikenakan hukuman bawah Seksyen 57 Akta Sistem Pembayaran 2003 dan jika didapati bersalah, hukuman denda tidak melebihi RM500,000 dan dalam kejadian kesalahan berterusan, akan dihukum, secara bertambah, boleh dikenakan denda tidak melebihi RM1,000 sehari.

Dua peruntukan Garis Panduan Bank Negara dengan jelasnya menyatakan seperti berikut:

15.2 Tanggungan paling tinggi seorang pemilik kad akibat kad tercicir atau dicuri akibat urusniaga yang tidak diluluskan olehnya terhad kepada tentuan pihak yang mengeluarkan kad ini yang tidak boleh melebihi RM250, sekiranya dapat dibuktikan bahawa pemegang kad tidak melakukan penipuan atau gagal memaklumkan pihak yang mengeluarkan kad seawal yang mungkin selepas mendapati kehilangan atau kecurian kadnya.

15.3 Jika jumlah yang dikenakan ke atas pemilik kad untuk urusniaga yang tidak diluluskan akibat keciciran atau kecurian kad telah melebihi had yang dibenarkan, pengeluar kad mesti membuktikan bahawa pemilik kad telah melakukan penipuan atau gagal memaklumkan pengeluar kad seawal mungkin selepas mendapati kehilangan atau kecurian kadnya.

Daripada kedua peruntukan tersebut, amat jelaslah seorang pemilik kad boleh bertanggungkawab sampai jumlah tidak melebihi RM250 akibat kehilangan kad melainkan pengeluar kad boleh membuktikan bahawa pemilik kad telah melakukan perbuatan penipuan atau gagal memaklumkan pengeluar kad seawal mungkin selepas mendapati kehilangan atau kecurian kadnya.

Dalam surat saya tersebut bertarikh 20-02-2009 saya telah meminta MBF membuktikan pemilik kad telah meluluskan urusniaga terlibat iaitu telah melakukan penipuan. Walaupun saya telah menghantar surat peringatan bertarikh 05-03-2009 kepada MBF dan membuat salinan kepada Bank Negara, syarikat ini memilih untuk mengabaikannya. Ini jelas menunjukan keangkuhan MBF. Saya telah membuat aduan rasmi terhadap MBF atas perlanggarannya yang jelas ke atas peruntukan 15 Garis Panduan Bank Negara demi melindungi para “orang biasa” daripada syarikat besar seperti MBF.

Dengan adanya Garis Panduan Kad Kredit, Bank Negara Malaysia mengambil tindakan terhadap MBF Cards (M’sia) Sdn Bhd ke atas perlanggaran jelas peruntukan 15 tersebut untuk mendirikan satu teladan kepada pengeluar kad lain supaya mematuhi semua peruntukan dalam Garis Panduan Kad Kredit?

– 翻译员:Anonymous , Wee Choo Keong 致于万二分谢意

您的国会议员每周议题之#53

“信用卡遗失与大马MBF信用卡有限公司”事件

当我一贯按照到选区服务中心进行定期服务时,(也就是每个星期三的傍晚),一宗“信用卡遗失”惯例案件引起我的关注。

持卡人到我的选区服务中心来见我以及诉说有关他本人持有一张由大马MBF有限公司发出的信用卡。我被告知当他收到有关公司发出的某月信用卡结单时发 现所有注明的交易事项并非由他本人所进行的,当下他才察觉到他已经遗失了有关信用卡,于此同时他立即向MBF报告有关信用卡遗失事件。MBF已经撤回几项 交易的数额,一共RM101.00,但是他们坚决要求持卡人缴付剩余的交易事项也就是持卡人怀有争议的款项。现在,MBF已指示他的代表律师向持卡人采取 行动追讨总额RM8,808.52的款项纵然持卡人已经明确声明没有批准过这些具争议性的交易项目。

MBF的态度让我极其反感。除了对于我在20-02-2009和05-03-2009所发出的信件(复本也已给予国行)未给于回复之外,它也专横地 指示其代表律师对手无寸铁的小市民采取行动,这简直就是明目张胆的仗势欺人行为,尤其MBF也清楚知道国行已被知会于这启事件上,因此他们应该在还没有对 持卡人采取任何严厉的行动前彻底地调查事件的来龙去脉。就因为不能苟同MBF所做出的一切举动,我必须对于“信用卡遗失”事件上须履行的法律义务之类的主 题进行一些探讨。

有很多信用卡持卡人没有意识和察觉到一本由国行所发行的“国行信用卡指南”在2004年6月已经生效。有关指南的发行是根据2003年付款系统法令 的第25项和第70项。根据2003年的付款系统法令第57项,任何人未能遵从有关指南条款可能会导致受惩处的罪行,定罪者可判处不超过 RM500,000.00的罚款,若继续违法,必须偿付一天不超过RM1000.00的罚款。

在国行指南里边清楚地说明这两项条款如下:

15.2 持卡人在信用卡遗失或者被偷窃的情况下直接导致未经当事人许可的交易出现,在法律上须对发出信用卡的公司履行的义务最高限制于款项RM250.00,条件 是持卡人没有进行任何欺骗行为或者能在尽早合理可行的情况下发现信用卡已经遗失或被偷的事件上告知有关分发信用卡的公司。

15.3分发有关信用卡的公司若向持卡人追讨未经当事人许可的交易金额是超过法律义务的最高款项,有关公司必须证实有关持卡人有做出欺骗或者未能在尽早合理可行的情况下告知有关公司其信用卡已经遗失或者被偷。

从这两项条款已经清晰明了地说明持卡人在信用卡遗失事件上须履行的法律义务总额是限于RM250.00除非信用卡公司能证明有关持卡人有做出欺骗或者未能在尽早合理可行的情况下告知有关公司其信用卡已经遗失或者被偷。

在20-02-2009的信件里,我已经明确地要求MBF出示有关持卡人有批准过的具争议性的交易项目和有做出的欺骗行为的证明。任凭我在 05-03-2009发出一封催涵于MBF和复本于国行,有关公司选折置之不理。这显而易见地MBF带有傲慢自大的含意。为了保护弱小的市民免受企业巨子 (MBF)的欺凌,我已经正式向国行提出投诉有关MBF明目张胆侵犯国行指南的第15项条款。

随着信用卡指南的存在,为了树立起一个好榜样于其他信用卡公司严格遵照在信用卡指南所列明的条款,国行应该检举大马MBF信用卡公司明目张胆侵犯国行指南的第15项条款吗?

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44 thoughts on “Your MP's Question of the Week #53

  1. de minimis

    YBro

    Excellent piece of research for the benefit of the rakyat. I am grateful that there are wakil rakyat like YBro who apply a sound legal intellect for the benefit of the rakyat. Kudos to you, YBro. You have my vote any time.

    Reply
  2. Ahmad

    Thank you YB for keeping us informed of the Bank Negara Guidelines on Credit Card whereby it has put a ceiling of RM250 liability for lost card. Most of the members of the public are not aware of the Guidelines.

    I am sure that this is not the only case. I believe that there are many more cases of this kind. I hope that Bank Negara will take a serious view of the breach of the Guidelines by MBF and prosecute and punish it under Section 57 of the Payment System Act so that such card issuer will not behave like a corporate gangster!

    I hope that similar victims of such “lost card” cases with credit card issuers will stand up and share their experiences here so that YB Wee can take it up with Bank Negara.

    Reply
  3. lee wee tak

    This is a timely advise as credit card fraud is on the rise.

    Another thing I might add on is, in case of fraudulent transactions, the normal expenditure trend will not appear, i.e. you might find suddenly there are many transactions with new merchants appearing in a single day and perhaps with the same merchant.

    I have come across a fraud case where when I google up the merchant and made a check with Telekom, I got no information on the merchant and Telekom told me that there was no phone line for this merchant!. How is that possible when they need a line to get onto the credit card system?

    Reply
  4. James

    Thank you for this informative piece on the right of credit holders. It is high time that Bank Negara takes action against a credit issuer like MBF so that other credit card issuers will strictly abide by the Bank Negara Credit Card Guidelines.

    I do know that many card holders, who have lost their cards, were not aware of this Guidelines and were taken for a ride.

    I look forward to see that Bank Negara will take serious actions over this matter.

    Reply
  5. Anonymous

    谢谢YB您所提供的宝贵资讯,因为诸如此类的讯息真的有很多市民是不知悉的,提供多语翻译的资讯相信能让更多的人群获益匪浅,希望以后能在您的部格得到更多有用资讯。。。

    Reply
  6. Melayu Jati

    Credit card issuers are licenced Ah Loongs. All they have to do is wait patiently until the cardholders screw up one way or another and they will pounce and want their pound of flesh. They will use every means to squeeze money from cardholders under the guise that they know the law better and that it is on their side.

    But you are right YB, many cardholders had been had without their knowing it. The victims just don’t read the fine prints and are ignorant of their rights. How many cases have we heard of lost card and or fraud cases carried out without even the cardholders knowing and they have to pay heavily for it?

    Let’s stop this corporate giants’ abuse and bully!

    Yes, YB, by all means make an example of MBF Cards and get Bank Negara to prosecute them to the max! If you dig deeper I am sure this company would have been guilty of more “flagrant breach(es) of Clause 15 of the Credit Card Guidelines.”

    Yes, folks, those of you who had been victimised, please speak up here and let YB Wee take them up with Bank Negara in a big way to put a stop to the corporate gangsters!

    Well done YB Wee. Keep up the good work! The ‘Chair Thrower’ Yew Teong Look should learn from you.

    Reply
  7. Wee Choo Keong

    Anonymous 5:49 pm

    Thank you very much for your suggestion. I hope that our friend who did the recent translation could help by translating future articles in my blog.

    Thank you so much to whom ever he/she for translating the articles here into Mandarin for the benefits of Mandarin speaking readers. Please contact me via email Mr Mandarin Translator so that we can have a chit chat. My email address is: weechookeong@gmail.com

    For Bahasa, we have Lee Wee Tat doing it so well. I would like to also thank Lee Wee Tat for his good work.

    Thank you so much to all the readers in my blog and for whatever suggestions posted herein.

    Thank you.

    Regards
    choo keong

    Reply
  8. Malaysian Biggest Fraud

    Bank Negara must take action to prosecute MBf for the flagrant breach of Clause 15 of the Credit Card Guidelines. MBf must be taught a lesson that it should behave like a corporate citizen and not be a big bully. I believe that they are other card holders having the same problems.

    This is the time the card holders must speak up and tell the problems that they are facing or have been badly treated.

    We msut make sure that this corporate giant like MBF to be told where they should be. Without card holders MBF would be in hte shit.

    We hope that Bank Negara will take action to prosecute this MBF so as to tell them to behave themselves and abide by the Guidelines. Charge MBF will be the best thing and the others will take notice of Bank Negara.

    Reply
  9. What a Fraud!

    I am happy to know that Bank Negara has a Guidelines like this to protect the small man against the corporate giant like MBF.

    Is it a corporate giant? I don’t think so. If it is, it would have to follow strictly to the Bank Negara Guidelines. MBF is famous enough. MBF Finance was taken over by Danamodal for good reason. We all know why?

    I am looking forward to see MBF card being charged in Court for breaching the Guidelines so that MBF and his CEO, Dr Morgan will start to behave themselves.

    Reply
  10. Lee

    Bank Negara must act in the public interest otherwise MBF would think that it can do what it likes. Bank Negara Guidelines must be followed at all times. Bank Negara must act now otherwise card issuer like MBF would just take it easy and does what it likes.

    Now, we, small man on the street, fighting against corporate giant, would like to see whether Bank Negara has the will to fight for public interest and take actions against MBF.

    Reply
  11. John

    I have seen cases where the husband, who was a principal card holder, passed away leaving his widow and children. The wife was a supplementary card holder and credit card issuer threatened to take actions if the sum demanded was not paid.

    More often than not, most of the widows will pay up because they wouldn’t want to be hassled by these card issuers.

    Reply
  12. Ahmad

    You can’t really blame MBF, whose objective is to make maximum profit. Bank Negara is there to control the card issuer not to exploit the card holders.

    Bank Negara must take the appropriate actions against all credit card issuers including MBF Card so that they will all adhere to the Bank Negara Guidelines. If Bank Negara does not strictly enforce the Guidelines then card issuers will take thing easy and the card holders will be exploited.

    Therefore, this is the best opportunity for Bank Negara to charge MBF for violation of Clause 15 of the Guidelines.

    Now that YB Wee has lodged a formal complaint, let see what Bank Negara is going to do.

    Reply
  13. James

    Bank Negara, the custodian of Malaysian banking industry, must take drastic actions against card issuer breaching any clause in the Credit Card Guidelines otherwise the card issuers will treat it as rubbish.

    Please defend public interest and take actions against card issuer now! If necessary charge them.

    Reply
  14. What Guidelines!

    Public interests must be protected by Bank Negara at all time. Bank Negara must prosecute if MBF was in breach of the Bank Negara’s Credit Crad Guidelines.

    Reply
  15. Din

    bank Negara must protect public from being exploited by credit company. Small men on the street need help and protection from big card companies.

    I am looking forward to see what actions Bank Negara is going to take based on YB Wee’s complaint against MBF.

    I am sure that there are many more victims of exploitation by credit card companies. Victims please stand up and be counted. Please put your explain situation in here so that we all can learn about your experiences and hopefully YB Wee cna take it up with Bnak Negara to stop it.

    Reply
  16. Ordinary Man

    Lets see what Bank Negara is going to do over YB Wee’s official complaint. YB Wee should also table a question in Parliament about MBF’s nonsense.

    We must not tolerate violations of Bank Negara Credit Card Guidelines, which was done to protect public interests. Now that it has been breach so Bank Negara had to act against MBF. As simple as that. Hope no more cover-up, please!

    Reply
  17. card holder

    I, like other card holders, want to see actions taken by Bank Negara against MBF for the violation of Credit Card Guidelines.

    It is high time that the card holders speak up for our right. We must not allow these card issuers to do what they like to us.

    I am looking forward to see action on YB’s complaint to Bank Negara against MBF.

    Reply
  18. Lee Wee tak

    To the Chinese translator above, your Chinese is so very good. I am very very impressed by your command of Chinese.

    Reply
  19. donplaypuks

    Dear YB

    Wld appreciate if you could forward this meaasge and publicise it. Tq.

    URGENT MESSAGE TO YB LIM KIAT SIANG, DAP & PKR

    NOTICE TO REMOVE PERAK SPEAKER

    Please get your legal eagles moving on it PRONTO!

    If the notice was dated 23rd April 2009 (last Thursday) the it clearly does not comply with the requirement of 14 clear days notice.

    If you exclude week-ends and public holidays (e.g. 1st May – labour day) when the State Assembly does not sit, then there’s no way that 2nd hand car salesman Camry can comply with the legal requirements of the State Assembly for notice of any motion.

    If Camry next resorts to an emergency motion, this can easily be thrown out by YB Sivakumar as ‘not being urgent or in the interest of the public!’

    So, please investigate and act swiftly especially since every M’sian knows the UMNO MB’s appointment is illegal has not been resolved by the Ipoh High Court.
    http://donplaypuks.blogspot.com

    Reply
  20. Chong

    I am glad that I now know my liability and rights. I don’t have to be pushed around by MBF and other credit card companies.

    I am looking forward to what actions Bank Negara is going to take in the light of the official report lodged against MBF.

    It is high time that someone stand up for the little man on the street. Thank you YB. Please highlight some matters to keep us informed of our rights.

    You have my vote.

    Reply
  21. What a Fraud

    Bank Negara must act and launch an immediate investigation into such complaint. We cannot allow credit company to breach the Bank Negara Credit Card Guidelines otherwise all Bank Negara Rules will be ignored by them. If it is guilty of an offence under the Guidelines Bank Negara must not hesitate to charge them. Haul them up to Court. Public interest comes first. It must be taught a good lesson. Stop being arrogance.

    Bnak Negara, you are the public protector. Please stand up for us. Ensure that credit companies including MBF to strictly adhere to the Guidelines.

    Reply
  22. Wong Chong Fatt

    has not failed to inform the issuer of credit cards as soon as reasonably practicable after having found that his credit card is lost or stolen :

    i wonder if when the guy is unaware of his lost card, would that be his negligence or the bank’s? i am sure there’s more to the story like when is the date he received his statement/when did he reported the loss/how can he be not aware that his credit card is gone/….

    i think the guy should just sue the Bank and expose the Bank in the court of law…

    however the info on the BNM guideline is useful….

    Reply
  23. The Fraud

    Bank Negara must take stern actions against any company that violated its Guidelines without fear or favour. In this case highlighted by YB Wee, it is quite clear that MBF has violated Clause 15 of the Guidelines. How could MBF took legal actions to recover the RM8,000 from the card holder when MBF has yet to prove that the card holder has acted fraudulent and failed to report the lsot card at the earliest opportunity.

    To me this is a very clear cut case for Bank Negara to act against MBF. Bank Negara must not spare company like MBF. Charge them to set example for other card issuers to follow the Guidelines strictly.

    Reply
  24. tehsin

    Dear MP Wee,

    Sorry this comment is out of topic.

    I must bring to your attention the horrendous design of the DUKE highway stretch from the Bukit Wangsamas/Sri rampai /Wangsamaju Sec 5 intersection down to the Setiawangsa intersection.

    The highway is uneven, patchy and potholes are starting to form right before the exit towards Gombak and the entrance to the flyover, forcing cars speeding to suddenly slow down and risk getting crashed into by the ones behind.

    The flyover leading to Setiawangsa/Jelatek is also like “ular kena palu” and must have been a miracle in engineering design because I never knew that concrete and steel can be moulded into a “ular kena palu” “bengkang-bengkok” structure. The engineers and workers must all have been drunk.

    And then when the flyover ends, I have to swerve directly at high speed (it IS a highway kan?) into the left lane leading to Setiawangsa (which is also uneven and patchy) and risk getting blindsided by the cars coming from under the flyover on the left, which are supposed to slow down before they merge but as Malaysians, they never do.

    There is SOOO much unused space beside the point where the flyover ends before the traffic lights before the masjid Setiawangsa that could have been used to create a proper lane going straight towards Jelatek and one going towards Setiawangsa but instead it (the lane to Setiawangsa) swerves into the lane of merging traffic. I worry for my kids sitting on the passenger side, because of the blind spots and no room to slow down (cars from behind also speeding).

    Please also look into the cars parked haphazardly along the Setiawangsa LRT station which slow traffic and can lead to accidents. Malaysian have no respect and common sense and park anywhere they like to make a call of pick up their kids/spouses from school/lrt stations.

    Why oh Why, can’t we have REAL enforcement by the cops so that these clueless Malaysians do not dare to break the laws? When are we going to really make a difference? If we go overseas, no one dares to park anywhere/break the laws/even separate their rubbish because they fear the police and laws. Sana its like “don’t play2”. Sini orang tak takut sebab police tak enforce, and government tak serious, and councils all still sleeping.

    When will we ever change?

    And oh…the road in front of the LRT Setiawangsa is always breaking up and flooding when it rains, also causing jams.slowing traffic. Why? Drainage. All our drains in the Wamgsa Maju/Setiawangsa/Keramat Permai areas are like sewers, full of rubbish and rats and not maintained.

    Again, datuk Bandar and FT Minister sleeping. Now that the useless Zulhasnan is out, can we see change?

    And our councils…when are we going to see elections?

    It goes on and on, round and round…never ends, never changes.

    Please dear MP, need some help here.

    (Esp that Duke Highway problem, because I use that daily as the highway is my only way out to my kids school and I fear for their safety)

    Thank you very much….

    Tehsin Begum

    Reply
  25. tehsin

    MP Wee,

    BTW, our chinese/indian citizens must really start to learn bahasa and english the two main languages…sampai bila they want to stay in their safe cocoons?

    We ARE after all Malaysians and everyone wants equality, but people are selfishly holding on to their ancestral mindset/language ie refusing to learn the language that unifies us.

    Kelantan is the best example of true assimilation. Not this various different foreign nations of China, India, etc2 in this West Coast of ours.

    Adakah kita betul2 menyayangi dan setia kepada negara dan raja apabila kita tidak dapat bertutur dalam bahasa kebangsaan kita?

    Thank you.

    tehsin

    Reply
  26. lee wee tak

    Tehsin,

    adakah anda menuduh orang Cina dan India menolak kedua bahasa ini? ada bukti kukuh atau tidak? setahu saya semua golongan muda-mudi telah fasih dalam pertuturan serta penulisan dan pembacaan kedua bahasa ini.

    bahasa sahaja tidak memadai untuk menyatukan semua kaum. Di Kanada terdapat dua kelompok berbahasa Peranchis dan berbahsa Inggeris.

    penggubalan dan penguatkuasaan dasar lebih penting dalam perihal yang anda persoalkan.

    kebolehan penguasaan pelbagai bahasa sebenarnya satu kelebihan, jike tidak, mengapa para penterjemah begitu penting dalam dunia perniagaan serta hubungan diplomatik. hanyalah di Malaysia kelebihan ini dianggap sebagai dosa-kah?

    Reply
  27. Lin Liani

    Buat Puan Tehsin,

    Salam malam.

    Rakyat Kelantan keturunan Cina memang tidak ada masalah bergaul dengan kaum Melayu kerana mereka fasih bukan sahaja Bahasa Malaysia tetapi loghat Kelantan. Kalau tak percaya, tanyalah YB Wee sendiri. Kalau sempat dengar beliau cakap loghat Kelantan, orang tak percaya dia adalah kaum Cina. Begitulah keistimewaan Cina Kelantan.

    Cina Kelantan adalah kaum yang paling akrab dengan kaum Melayu. Kesetiaan mereka pada raja dan negara tidak perlu dipertikaikan. Bagaimanapun, banyak dasar kerajaan BN selama ini cukup menghampakan mereka. Kaum Cina Kelantan lebih suka menyokong PAS daripada BN walaupun PAS adalah parti berasaskan Islam.

    Bagaimanapun berfasih Bahasa Kebangsaan akan menunjukkan kita menyayangi negara dan raja tapi tak semestinya menyokong kerajaan pemerintah.

    Terima kasih kepada Puan kerana mampu memahami hakikat ini.

    Reply
  28. tehsin

    Lin yang dihormati,

    Pok Wee memang tak ada masalah, dia memang rakyat Malaysia sejati dan berjiwa rakyat tak kira kaum dan agama (and the only good-looking MP next to Husam, yg lain tu rupa tak ada, nak harap pun tak boleh)…yang bermasalah yang tak mahu integrasi…yg masih mahu buat perkampungan sendiri, tak mahu belajar Bahasa Melayu atau Inggeris…bukti pada skala kecil dalam taman saya…saya terpaksa komunikasi dengan cara “sign language” macam org bisu dengan golongan2 yg walau dah berpuluh tahun tinggal/lahir di Malaysia, sepatah haram bahasa melayu tak tahu…bila ada kecemasan, baru bertegur, baru minta tolong…tapi masa lain, hidup di alam alam, dunia lain.

    kenapa sebagai rakyat Malaysia perkara ini boleh dibiarkan berlaku dan dipupuk oleh kerajaan kita lagi…inilah salah satu sebab membawa kepada permasalahan sangsi dan masing2 “ignorant” tentang kaum lain/jiran sendiri…sebab “bodoh sombong”… (maaf kalau agak kasar, tapi itulah hakikatnya)

    Reply
  29. anonymous

    Bros and sisters,

    Sudah keluar tajuklah! It is ok as long as we are happy and we are moving in the right direction.

    Coming back to the topic, I do know that many card holders being exploited/mistreated by credit card companies. I am all for actions to be taken against MBF for violating the Guidelines.

    Public interests dictate that Bank Negara take serious action to protect the consumers at large. If any of the credit companies violated the Guidelines, Bank Negara must charge without hesitation.

    Reply
  30. Jimmy

    I can’t wait to know what Bank Negara is going to do over YB Wee’s complaint. May be Bnak Negara dare not act because MBF is a very powerful organisation that’s why it dares to behave in such a manner.

    Bank Negara, members of the public are watching you! YB Wee please pursue this violation of the Guidelines in Parliament. I am sure that MBF is not alone here.

    Reply
  31. Anonymous

    (Mr.WEE, kindly pls delete the previous comment, some changes have been done,TQ)

    language would never been the factor to judge how loyal or patriotic you are,even be a hindrance to procure 1MALAYSIA , these all just one of the gimmicks from the politicians….

    a people who be able to command in languages depend on environment and chances,not the media to show how you “menyayangi negara dan raja”

    “menyayangi negara dan raja”depend on action but of course not to do things like questioning other races loyalty in Malaysia…

    THE CRUCIAL ISSUE OF BARISAN NASIONAL IS RACES;
    RELIGION IS THE CRUCIAL ISSUE OF PAKATAN RAKYAT

    语言绝对不会是作为人民的忠诚度与爱国情操的衡量标准甚至是实现全民的马来西亚的绊脚石,这全是政治人物所玩弄的政治把戏。。。

    一个人对于语言的掌握是需取决于环境与机遇并不是一种展示爱国情操的媒介

    爱国是须附上实际行动而不是一些一味质疑其它在马来西亚的族群忠诚度的举动。。。

    国阵的致命伤在于种族;而民联的要害在于宗教

    Reply
  32. Chan

    YB Wee, any news from Bank Negara on your complaint regarding MBF?

    I look forward to Bank Negara taking actions against MBF for its violation of Clause 15 of the Bank Negara Guidelines. The credit card company must be penalised severely for the violation.

    Reply
  33. Hong

    Thank you for keeping us informed of our rights and liabilities.

    A big majority of our population are credit card holders and we are at the mercy of the credit companies. Bank Negara must take actions against MBF to protect public interest and set example for for other credit card companies so that they will strictly follow the Bank Negara Guidelines.

    Bank Negara, we all are waiting to see what actions you are going to take against MBF.

    Reply
  34. resident.wangsamaju

    Thanks, YB, for bringing this case to light which is definitely of public interest.

    In my opinion MBF does not have to take heavy action like this. However to prosecute or not, I would prefer if BNM carries out an investigation without haste and make a decision in this matter. For public information purposes, BNM’s complain form together with complain guidelines, can be obtainedhere. I have heard good things about Consumer and Market Conduct Dept of BNM, that it is an efficiently run dept staffed with professionals.

    I experienced a similar credit card problem a few years back when I received my bill one day- it contained illicit transactions on internet purchases amounting to several thousand ringgit. However, my credit card was still in my wallet. I called up my bank, reporting in my problem. The manager asked me several routine questions, one which included where and when I last used my credit card. I had last used the card over the airport counter to purchase last minute flight tickets from MAS.

    I asked the bank whether I was liable to pay for those internet transactions which the bank assured I did not have to. The bank went on to inform me that they were fully satisfied that I did not authorized the said transactions based on my historical spending habits- I was a victim of credit card fraud. The bank would reverse the charges; cancel my existing card with my permission, and issue a new one in its place. I was pacified and assured- and taken care of. That was when before those guidelines highlighted by YB came out in 2003.

    I am still holding the card membership, going into 10 years now, making this a card I can’t truly leave home without (thanks, Maybank).

    Reply
  35. Sim

    resident wangsa maju

    When I read half way through your comment, I knew you cannot be holding a MBF credit card. I was so proud that you ended with Maybank credit card.

    YB Wee, you must pursue your valid complaint with Bank Negara against this MBF, the big bully. There is a clear Guidelines by Bank Negara and yet MBF refused to follow. I was surprised that while YB Wee was corresponding on behalf of hte card holder, MBF saw it fit to instruct its lawyer to take actions against the card holder.

    If this is not a big bully then what is. Lets see what Bank Negara is going to do on YB Wee’s complaint against MBF. If no action from Bank Negara then YB Wee should bring the matter to Parliament so that Minister of Finance can look into MBF’s bullying tactics.

    Reply
  36. Jim

    resident wangsa maju

    glad to hear that Maybank gives good customer service to you. This should be the way the credit card companies should behave. Definitely not the way MBF has behaved in this case using strong arm tactics to force the card holder to pay the whole sum of RM8,000 when he was only liable to pay RM250 under the BNM Guidelines.

    Bank Negara must come down hard on MBF so that it will behave itself henceforth and other credit card companies will also follow suit otherwise these credit companies will treat the Guidelines as waste pape

    I hope tha BNM will charge and the court will punish MBF severely for behaving like big bully.

    Reply
  37. Poor Card Holder

    We, card holders, are always at the mercy of the credit companies. Therefore, we need Bank Negara to protect us. Now that we know there are such Guidelines for credit card companies to follow, then they must follow. This is clear that MBf has violated clause 15, we hope that Bank Negara will act against MBF. It is about time that Bank Negara take serious actions against MBF.

    All credit card holders unite!

    Reply
  38. Malaysian Biggest Fraud

    More often than not that card holders are the victims of credit companies. Fortunately, we have now seen a clear case of violation of clause 15 of the BNM Guidelines.

    BNM must prosecute MBF otherwise the Guidelines are meaningless. Charge that big bully in court for obvious breach of Clause 15.

    Reply
  39. Wee Choo Keong

    I have received complaints about how card holders are treated by MBF Card Sdn Bhd (MBF) and other credit card companies.

    For the present case, I was informed by the card holder that MBF also sent “people” to his house to “pay him a visit”. What a caring credit company! Whilst the complaints have been lodged with Bank Negara and posted in my blog, MBF officer saw it fit to call the card holder asking him to go MBF office. I just wonder why the officer had to call the card holder, when MBF had already instructed their lawyer, M/s Michael Chai & Co, to send out a letter of demand for payment of the disputed sum. I would have thought that the call should have been made by the MBF’s officer before the complaints have been lodged with Bank Negara and before instructing its lawyer to send out letter of demand. I just do not understand the MBF’s strategies in debt collections.

    My advice to those credit holders in similar situation and felt dissatisfied with the treatments they received from MBF or other credit card companies, please lodge a formal complaint direct to “CONSUMER MARKET CONDUCT DEPARTMENT, BANK NEGARA MALAYSIA, JALAN DATO’ ONN, KUALA LUMPUR. Please send a copy of your letter of complaint to the Governor of Bank Negara Malaysia and Minister of Finance. If you want to extend a copy to me, please send to P O Box 11439, 50746 KL or fax to me at 03-21637633.

    We, the rakyat, must ensure that credit companies must strictly abide by the Bank Negara Credit Card Guidelines and Bank Negara must protect our rights as consumers.

    May I say thank you to all the readers and for your comments. Lets all consumers unite and fight for our rights.

    Reply
  40. Innocent Card Holder

    I hope that Bank Negara will take the necessary actions against MBF for the violation of the Guidelines. MBF must take note that the Guidelines are not for decorating its office but to be followed strictly.

    The Guidelines are to protect members of the public from being exploited by credit company like MBF.

    I am looking forward to see that MBF is charged in court for violating the Guidelines.

    Reply
  41. resident.wangsamaju

    Dear all,
    My story has not ended yet. I recently lost the same card described in my posting above due to burglary. I reported in the loss and after 1.5 days I was pretty surprised to find the replacement in my mail box. Well I’m lost for words for the speedy service rendered by MBB. I’m highlighting and sharing these personal experiences so that it can be an example to other banks especially Arab Malaysian / MBF.

    Reply
  42. lee wee tak

    Message attached:

    I was almost duped by the latest scam. They are no longer using sms. But through series of routine communications when you deal with phone banking.You might thought that how stupid I am to fall for such scam but not untill you heard their convincing conversations, then you’ll know.
    Here, I am sharing with you their modus operandi.</b)

    1.You’ll received an automated call reminding you about your credit card late payment.They will end the reminder with Press 0 for our customer service, 1 for others.(voice machine system. Sounds familiar?)

    2.Once you press 0 for inquiry, a telephone assistant will answer it.

    3.They will confirm that your name exist in their system and a cardholder. They will give you the detail when was the card was applied, date and venue. And the application was approved based on your copies of IC and 3 months payslip. (i believes most of us has handed over many times of our copies of payslip and ic to insurance agencies or brokers.)

    4.the telephonist will then advice you to contact and lodge a report to the Bank Negara. He is helpful that he also provide you with the Bank Negara fraud department direct line.The number is 03-86590241.

    5.After feeling not so much amiss about the conversation with the telephonist. You feel the urgency to lodge a report at the Bank Negara.

    6. Once you called the number, another guy will answer it with a nice greeting. “Bank Negara Fraud Department, may i assist you?”

    7.The ‘officer’ will then ask your name and IC and your contact no for him to contact you in 5 minutes, while he run your name in the system.

    8.5 minutes later, the ‘officer’ will call you. He’ll tell you that the conversation is recorded and you need to tell the chronology of your report.

    9. The officer will then tell you : the investigation will take 3 days to be completed. In the meantime, Bank Negara will need to monitor your active bank accounts i.e: credit cards, saving.

    10. They are also offered some kind of insurance to protect your money. In case within 3 days of the investigation, there is an amount of money missing from your account, bank negara will reimburse.

    11. In order for them to monitor, they need to have all the 16 digit numbers on the cards.

    12. The ‘officer’ will tell you that the number in the magnetic chip in your credit card will be changed. However, they can’t do it for your ATM card. Thus, their technical guy will contact you for a simple direction to make the changes.

    13. A lady will call in about 10 minutes (claimed to be from the technical team). The verification of the complaint lodged take place. (same like phone banking).

    14. The lady will then asked you how long for you to get to the nearest ATM machine for them to call back and give instruction.

    15. They will call you back at the stipulated time and will give you a special instruction to change the magnetic number. HOWEVER, THE NEW 16 DIGIT NUMBER IS THE NUMBER TO WHICH ALL YOUR MONEY WILL BE TRANSFERRED TO .

    I was very lucky that I arrived early at the ATM machine. When i tried to call them back, it’s either call reject or line is busy. My first instinct is to call my friend who works in the Bank Negara to check the number given (03-86590241) and called the AMBANK.

    Surprisingly, the number given does not belongs to Bank Negara (as it’s always start with 2) and the credit card does not exist in Ambank. When I got to know that, I started calling my banks and have all my cards blocked and replace with a new one.

    According to the officer in CIMB Bank, they are familiar with the sms scam but this case is the latest in financial scam. Hope you guys spread the words around!

    Reply

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