My oh so normal day

actually I have the target to write every day, just to get it going, but everytime balik, dah malam, bila dah penat hilanglah segala idea di kepala ~.~

Jadi mari kita cerita mengenai kerja saya di dunia nyata, my daily awesome life..haha         konon ^_^


Whenever ppl ask what is my job, what I do, I love to explain it as a legal Ah Long..senang nk cerita, tpi akan ada jugak yg tak faham-faham.. huhu

So here it goes the short summary of Life as Recovery/Collection bank officer...But
since the scope will be diffrent in each bank, I'll just illustrate what I've been doing each day...

We deal with npl account, more than 7 years, or there is loans in year 1997/98 and even later than that...kira hutang2 zmn pak pandir lah..ada juga pernah terjumpa loan thn 80an..punyalah geleng kepala..ntah hidup ke tidak borrower ni semua..

Then there is housing loan, overdraft or personal loan, but housing loan is around 80% in the base..
So basically, when ppl dont pay their monthly payment, up to 3 months, tak bayar jugak, surat pertama dr lawyer akan dihantar..tak jugak bayar, akan mula lah segala proses lelong dan saman menyaman..

but of course ada banyak stage for all the legal action, menang ingat nak tulis semua proses, tpi apakan daya, terlalu banyak sebenarnya..so saya give up ^_^..

yang penting, walaupun rumah dah dilelong, make sure it can cover all the o/s balance..dont assume that the bank will do everything for you, if there is shortfall, a good chance you could take a lot of discount to settle it..If not, yes, say hi to Insolvency, hope you will enjoy become a bankrupt..