GERAM

AAArrrrgggghhh!!!!!!

Geram betul ngan CSO Maybank Taman Perling yang sorang nie!!!! I tak sure she is competent enough!!!!!

Ceritanye macam gini..... Semalam, my hubby and I amik cuti to settle all those matters regarding our HOUSING LOAN....

We both dah dapat umah yang bekenan di hati... even we both dapat harga yang agak baik dan penjual pun sangat baik.... dah jadik member pun penjual nie.... All settled between penjual and us... even the Lawyer pun settled as we appointed my former boss (last time he worked in Maybank Masai - my training field, and now in Ali Zaitun & Baharudin - well known law firm @ JB)....

Atas dasar nak tolong kawan (my senior waktu I keje kat maybank), my hubby and I setuju amik loan kat Maybank.... Since my senior is officer-in-charge for investment and protection product, she passed my application to her colleague (who is "si CSO nie"). At least dia dapat la insentive sikit.... In addition, Ali Zaitun is Panel Lawyer for Maybank... So, senang.....Settled...!!!

But disaster came when si CSO nie took over the application..... First, we wasting our time waiting for approval..... She recommended us to apply for Skim Rumah Pertamaku..... That time, aku tak berapa sure what are the criteria to be met for that scheme.... So, we both agreed with condition that IF MY HUBBY MEET THE CRITERIA.... Ala, it is her responsibility to check whether her customer nie meet the criteria or not! Kalau ikutkan, tak yah la I nak HIGHLIGHT that responsibility kan????

TETAPI..... MALANGNYE........ After 2 months waiting, nothing come back to us..... And kali nie aku dah confirm that scheme memang we both tak layak..... aku tunggu gak la si CSO nie call ke apa.... tapi, HAMPA!!!!! last2 aku yang call and mintak dia buat normal 90% loan secepat mungkin.... disebabkan si CSO nie susah sangat nak angkat call, aku terus push direct ngan MANAGER branch... Senang.... Lagipun, Branch Manager yang nak recommend for approval.....

TETAPI..... si MANAGER nak approvekan 85% jer!!!! BOLE????!!! Alasan harga rumah kat situ dah jatuh la, and whatsoever.... Dah la tak efficient, reducekan our loan amount lak!!! Banyak cantik!!!! Ala kalau mintak HSBC dah lama dah approve... dah lama dah settle... tapi tu la.... sebab masih ingatkan 'tali persahabatan', we both bersabar jer..... Cuma marah la kan, bile nak reducekan loan amount tuh.... mana la we both ade duit beb!!!! Aku nie TERANG-TERANG la ade masalah duit.... Setelah bertekak and ugut nak amik bank lain, Manager tu pun approvekan la 90% loan......

So, Letter Offer ("LO")dah prepare... Bank called for sign... Lawyer nye documentation pun dah prepare... Lawyer called for sign.... Apa lagik, we both amik cuti for the purpose nak sign all documents..... Kena cepat, sebab penjual dah kena interest charged RM500 sebulan (rumah tu tak abis bayar lagik)... Since we both agreed to pay sewa RM500 starting 1st June, meaning that we both bare the interest cost tu la...

TETAPI..... MALANGNYE.... LO yang disubmit kepada lawyer adalah LO yang salah...... Itu pun nasib baik waktu sign documents lawyer, aku mengeluh sebab banyak sangat.... and person-in-charge tu respond, kalau Islamic Loan lagik banyak..... Aku apa lagik, terkezut!!!!!!!!!! Aku memang mintak Islamic Loan.... So, yang aku and hubby aku sign nie bukan Islamic Loan ker??? Terus aku call si CSO nie..... Si CSO nie bole kata dia tak sure LO tuh for Islamic or Conventional.... Aku mintak dia confirmkan ngan Branch dia.... PPerrrgghhh!!!! Nie KAKAK dah naik angin dah masa tuh!!!!!

And SAH dia keluarkan LO yang salah.... Orang mintak Islamic Loan, dia gie buat Conventional Loan..... And the best part dia bole salahkan orang lain..... The following are her unreasonable and unacceptable blaming points:

1) Salah clerk dia yang prepare LO salah - For me, it is her responsibility to ensure that all final delivery products are correct and meet customer's expectation!!!!!!!

2) Salah Lawyer sebab kalau lawyer tahu nak Islamic Loan, why proceed when received conventional loan data - For me, lawyer akan prepare all documentation based on LO letter.... again, I still put the blame on her... sebab initially dia yang SALAH!!!!

3) Salah my hubby and I - WE BOTH PUN SALAH???!!!!! Gile ke apa minah nie.....?? Sebabnye tak inform dia nak sign all documents yesterday..... Kalau we both inform, dia nak ke cancel cuti dia??? Lagipun, hubby aku dah inform kat her assistant that we gonna sign that LO on yesterday.... So??? Salah WE ALL ke??? Kalau inform dia, dia cancel her leave, we both datang bank to sign LO and we noted that LO is not Islamic Loan - THE PROBLEM STILL OCCUR!!!! sebab lawyer dah prepare documents based LO yang salah.....!!!! CONCLUSION, our time is wasted with HER STUPID MISTAKES!!!!! Lawyer nye documents bukan sehari dua bole siap.....

Aku memang hangin la!!!! Aku kalau tak hangin mmg la nampak tak garang, baik.... tapi bile hangin aku dah tak kesah orang!!!! Hubby aku kata, suara aku turn to MENJENGKELKAN!!!! hahahaha.... Aku sekolahkan si CSO nie KAW-KAW punye!!!! Hubby aku marah jugak tapi steady jer bile bercakap ngan si CSO nie...

Aku terfikir gak nak launch complaint letter, tapi aku kesian kat Branch tuh... nanti KPI affect and bonus pun affect..... TAPI, hubby aku yang steady tadi, diam-diam hantar Complaint Letter through Maybank2U malam semalam.... Tak dapek la den selamatkan......