I have a similar unpleasant experience with Kudrat as well. They have been calling me non-stop for several months now and it's always, pay up this amount or else the bank will sue me. Well, at first I was compliant as I thought they would sympathize that I was in between jobs and had no money to pay. So one day at the end of last year, a most unpleasant lady named Rachael told me that I must pay RM3k of my RM16k debt in order to facilitate a term payment. I still thought she was trying to help me but then it turned sour when I told her that there was no way for me to get that kind of cash in a week or so. She told me that if everyone said that then the bank will lose out and that everyone manages to get the money. She also told me to borrow from anyone I could because if I didn't then the bank will sue me. Ha! I do see a pattern here with everytime they can't get their money they resort to the threat of suing somebody! I also have incured more debts trying to get said money. But of course they don't care.
Then things started to get more sour as the new year passed. At this stage, Rachael told me that they have agreed on
a RM830 monthly payment. In which I said, there was no way to do it but instead offered to pay RM500. She then said that was the final offer and if I can't make it, the bank will sue me. She also said that the 27th was the cut off date to pay. Then her boss John (who seems nice at first, will tell you more as my story progresses) calls me up to ask what was wrong with the offer. I said I couldn't pay it. Not because I didnt' want to, but because RM500 is all I can afford. Then he says that that was all they can offer because they can't bend the law according to me. He also said to think long and hard if not I will get sued.
Ok, so the dateline has come and gone. Rachael calls on the date itself and asks me what time I will be banking in said amount. I told her that I can't make it. She said that I had promised. (If I know I don't have the funds, i definitely would not have promised!) So she tells me that I have until the night to pay or else... Anyway, do keep in mind that when they are talking to me, it is never in a nice tone of voice.
Backtracking for a bit, about a week ago, I walked into HSBC to ask if I could pay them directly as I feel like Kudrat has been quite harsh. I spoke to a HSBC representative there and she advised me to write a letter stating how much I can pay and my reasons for wanting to do without Kudrat. I had written that I felt that they were harsh especially with their words. She then said that whe would forward my letter to Kudrat and the relevant parties. I said ok, and I'm still waiting on them.
So, on the 27th, I was bombarded with calls and messages from Kudrat to call them back. I finally wrote an SMS stating that I will only speak to them if I get to pay RM500 a month and if that is not possible, I would only want to speak directly to a HSBC representative or take on AKPK's services.
Guess that didn't go too well, because their boss John called and asked me why I said that I was harassed by them. I said, you call constantly, and are not nice and you threaten to come to my house! He said well, we are following the law. Well, yes SIR you are but the law also does not allow you to raise your voice at me and tell me that I am not the one harassed but instead I am harassing your people. Can you believe the nerve! He said I was harassing his people! How so? He said because I said they have been harassing me. Unbelievable! What kind of people are working here? Dellusional perhaps? He also said that they were being nice as to not sue me. I said go ahead. And he said, well, you wouldn't have the money anyway. He added that I should have thought about it before borrowing from the bank. I said well, I lost my job after I received the credit card. He said it's not the banks problem. Have a nice day!
So here it is. Yes I do owe the bank. No, I do not want to skip payment. But Kudrat is not accepting RM500 and they are the biggest prats there ever was. So AKPK it is. Even though Kudrat says that I will have a difficult time with them. Maybe, I don't know. But at least I've met the people there and most of them are former bank negara staff and will not treat you badly.
Somebody must make this problem with Kudrat or other agencies more apparent in the eyes of the public or govt bodies. They must be more courteous and of course logical in their arguments with us. There is no need to add more insult to injury.