Serah Kereta Kepada Bank 2024|Tidak Mampu Bayar Ansuran Bulanan Kereta

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SERAH KERETA KEPADA BANK 2024

Tips sangat baik daripada Persatuan Keselamatan Pengguna. (PKP)SEKIRANYA ANDA TIDAK MAMPU MENERUSKAN MEMBAYAR HUTANG KENDERAAN ANDA, JANGAN SESEKALI ANDA :-

– Serah kpd pihak ke-3 (Skim Sambung Bayar)
– Sembunyikan drpd pihak bank elak ditarik.
– Jual spare part atau sebagainya..

Ini kerana anda akan di blacklisted, ccriss, dan dikenakan pelbagai denda & caj upah tarik kereta, upah simpan stor dll.

Cara untuk serahkan kereta kepada bank sekiranya tidak mampu bayar.

Oleh itu, anda disarankan pergi ke bank terbabit dan serahkan kunci & kereta anda.

Bank akan simpan kenderaan anda dan memberi tempoh 21 hari daripada tarikh anda serah kepada bank untuk dituntut semula.
Sekiranya anda tidak menebus balik dlm masa 21 hari daripada tarikh serah, bank berhak melelong kenderaan anda, hasil lelong tadi akan di tolak baki hutang dengan bank dan bakinya adalah milik anda,sekiranya masih ada.

BANK TIDAK BOLEH TARIK KENDERAAN ANDA SEKIRANYA :-

1- Finance dh melebihi 75% kecuali ada surat mahkamah

2- Kenderaan anda berada di kawasan kediaman berpagar.

3- Pada hari cuti umum

4- Selepas jam 9 malam.

-Ejen penarik kereta mestilah mempunyai Kad Autoriti (EPS) Ejen Perolehan Semula drp KPDNKK.

– Sekiranya si penarik kereta datang lebih daripada seorang, Mereka semua mestilah mempunyai kad EPS. Sekiranya salah seorang daripada mereka gagal menunjukkan kad tersebut, anda berhak membuat laporan polis kerana membawa gangster dll.

Sekiranya berlaku juga seperti yg di atas, anda berhak membuat laporan polis kerana telah menyalahi akta pengguna.

#Jadilah pengguna yg bijak..sharing is caring‍‌‌‌‌‍‍‍‍‌‌?

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HANDING OVER YOUR CAR TO THE BANK 2024

Discover invaluable advice from the Consumer Safety Association (CSA).

IF YOU FIND YOURSELF UNABLE TO KEEP UP WITH VEHICLE LOAN PAYMENTS, HERE’S WHAT YOU SHOULD AVOID:

  • Entrusting it to a third party (Beware of Hire Purchase Scams)
  • Concealing it from the bank to evade repossession.
  • Resorting to selling spare parts or any similar transactions.

Why should you steer clear of these actions? Because they can result in you being blacklisted, added to the CCRIS, and exposed to a slew of fines and charges, including towing and storage fees.

WHAT TO DO WHEN HANDING BACK YOUR CAR TO THE BANK DUE TO FINANCIAL CONSTRAINTS:

For a smooth process, head to your respective bank and surrender your keys and vehicle.

The bank will secure your vehicle, granting you a 21-day window from the handover date to reclaim it. Failure to do so within this period empowers the bank to auction your vehicle. Proceeds from the auction will be deducted from the outstanding debt, and any remaining balance will be returned to you.

SOME KEY POINTS TO REMEMBER:

1- The bank cannot repossess your vehicle if the financing exceeds 75%, unless there is a court order.

2- Your vehicle is within a gated residential area.

3- The repossession is not carried out on public holidays.

4- The repossession does not occur after 9 PM.

ADDITIONAL INSIGHTS:

  • Ensure that the car tow agent possesses the Authority Card (EPS) Recovery Agent issued by KPDNKK.
  • If multiple car tow agents are present, all must carry the EPS card. If any fail to produce it, you have the right to report them to the police for possible illicit activities.

Should any of the aforementioned scenarios unfold, exercise your right to file a police report for the infringement of consumer rights.

🚗 Unlock Financial Freedom: Your car should be a source of joy, not stress. If you’re facing challenges meeting your vehicle loan commitments, follow these expert tips to navigate the process without falling into common pitfalls.

🔐 Securing Your Financial Health: By understanding the do’s and don’ts, you can protect your credit score, financial standing, and peace of mind. Our goal is not just to provide information but to empower you with the knowledge to make informed decisions.

🤝 In Partnership with CSA: This advice comes directly from the Consumer Safety Association, a trusted resource for consumer protection. We believe that informed consumers make smarter choices, safeguarding their interests.

#Empower yourself as a savvy consumer; sharing is caring‍‌‌‌‌‍‍‍‍‌‌.

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