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RHB 不懂有没有乱CHARGE我的INTEREST？
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RHB这个烂BANK，我发现它们好象CHARGE我的INTEREST，比合约规定的（BLR-1.85％）还高几十块每个月。询问他门关于我的贷款利息怎样算没有负责人要回应。我已经SEND很多EMAIL了，可是不是退给别的DEPARTMENT，就是不要解答我的问题。只是说会有负责人回应我，问谁有不讲。。。
我要怎么办？投诉又不是。。刚看到LETTER OFFER 的一个条理：
18. 銀行的未償還金額，到期及應付的證書應是最終及不可推翻的，並不得在沒有明顯錯誤的情況下，無論在任何帳戶的質疑。
是不是不可以质问？大家来帮我看看是不是有错了？ |
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楼主 |
发表于 19-3-2012 11:23 PM
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| 8/1/2011 | $870.00 | Loan Payment | $870.00 | -$139,991.88 | | 31/1/2011 | | Monthly Interest | -$543.45 | -$140,535.33 | | 11/2/2011 | $870.00 | Loan Payment | $870.00 | -$139,665.33 | | 28/2/2011 | $900.00 | Loan Payment | $900.00 | -$138,765.33 | | 28/2/2011 | | Monthly Interest | -$489.81 | -$139,255.14 | | 31/3/2011 | | Monthly Interest | -$540.45 | -$139,795.59 | | 10/4/2011 | $870.00 | Loan Payment | $870.00 | -$138,925.59 | | 30/4/2011 | | Monthly Interest | -$522.14 | -$139,447.73 | | 7/5/2011 | $870.00 | Loan Payment | $870.00 | -$138,577.73 | | 31/5/2011 | | Monthly Interest | -$562.64 | -$139,140.37 | | 1/6/2011 | $870.00 | Loan Payment | $870.00 | -$138,270.37 | | 30/6/2011 | | Monthly Interest | -$555.29 | -$138,825.66 |
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楼主 |
发表于 19-3-2012 11:24 PM
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| 9/6/2010 | $850.00 | Loan Payment | $850.00 | -$143,124.31 | | 9/6/2010 | $50.00 | Loan Payment | $50.00 | -$143,074.31 | | 29/6/2010 | $880.00 | Loan Payment | $880.00 | -$142,194.31 | | 30/6/2010 | | Monthly Interest | -$504.79 | -$142,699.10 | | 22/7/2010 | $880.00 | Loan Payment | $880.00 | -$141,819.10 | | 31/7/2010 | | Monthly Interest | -$538.84 | -$142,357.94 | | 18/8/2010 | $880.00 | Loan Payment | $880.00 | -$141,477.94 | | 31/8/2010 | | Monthly Interest | -$549.73 | -$142,027.67 | | 6/9/2010 | $870.00 | Loan Payment | $870.00 | -$141,157.67 | | 30/9/2010 | | Monthly Interest | -$530.22 | -$141,687.89 | | 4/10/2010 | $900.00 | Loan Payment | $900.00 | -$140,787.89 | | 30/10/2010 | | Insurance | -$194.43 | -$140,982.32 | | 31/10/2010 | | Monthly Interest | -$546.45 | -$141,528.77 | | 8/11/2010 | $870.00 | Loan Payment | $870.00 | -$140,658.77 | | 30/11/2010 | | Monthly Interest | -$528.42 | -$141,187.19 | | 7/12/2010 | $870.00 | Loan Payment | $870.00 | -$140,317.19 | | 31/12/2010 | | Monthly Interest | -$544.69 | -$140,861.88 |
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楼主 |
发表于 19-3-2012 11:24 PM
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| 11/1/2010 | $900.00 | Loan Payment | $900.00 | -$108,253.64 | | 31/1/2010 | | Monthly Interest | -$347.03 | -$108,600.67 | | 7/2/2010 | $870.00 | Loan Payment | $870.00 | -$107,730.67 | | 18/2/2010 | | 10th Drawndown | -$23,225.00 | -$130,955.67 | | 18/2/2010 | | 11th Drawndown | -$9,290.00 | -$140,245.67 | | 28/2/2010 | | Monthly Interest | -$347.88 | -$140,593.55 | | 4/3/2010 | $900.00 | Loan Payment | $900.00 | -$139,693.55 | | 31/3/2010 | | Monthly Interest | -$469.23 | -$140,162.78 | | 9/4/2010 | $900.00 | Loan Payment | $900.00 | -$139,262.78 | | 29/4/2010 | | 12th Drawndown | -$4,645.00 | -$143,907.78 | | 30/4/2010 | | Monthly Interest | -$462.15 | -$144,369.93 | | 10/5/2010 | $900.00 | Loan Payment | $900.00 | -$143,469.93 |
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发表于 20-3-2012 07:56 PM
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楼主，为何你会觉得银行多算你利息钱能？你这个softcopy statement很好，是从RHB online retrieve的？
单单从这statement很难准确的算出真正的利息，因为要看会RHB银行的BLR利息。不过如果用2011六月份来算，当时RHB的BLR已经是6.6%，那就是说利息应该是4.75%，算到来，的确是多了十出块。
楼主，有没有其它杂费如保险还是什么的，没有加进去？还是利息有变动？
你那个clause18的华语很深下，看不懂咧 |
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发表于 20-3-2012 09:00 PM
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楼主 |
发表于 21-3-2012 12:27 PM
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回复 5# lamiko
楼主，为何你会觉得银行多算你利息钱能？你这个softcopy statement很好，是从RHB online retrieve的？我用EXCEL做的然后COPY AND PASTE LO。。
单单从这statement很难准确的算出真正的利息，因为要看会RHB银行的BLR利息。不过如果用2011六月份来算，当时RHB的BLR已经是6.6%，那就是说利息应该是4.75%，算到来，的确是多了十出块。我用4.75％算
楼主，有没有其它杂费如保险还是什么的，没有加进去？还是利息有变动？应该没有其他费用了。。Insurance have included.
你那个clause18的华语很深下，看不懂咧 我用GOOGLE TRANSLATE 翻译的
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楼主 |
发表于 21-3-2012 12:31 PM
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回复 6# 晴天82
如何算到利息一样STATEMENT？我算来算去不不到。。
| 1/6/2011 | $870.00 | Loan Payment | $870.00 | -$138,270.37 | | 30/6/2011 | | Monthly Interest | -$555.29 | -$138,825.66 |
Let Example 30/6/2011,
Monthly interest = Principle x interest (BLR-1.85%) x Days of Month/365
= 138,270.37 x 4.75% x 30/365
= 539.82 (< 555.29) ????????? |
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发表于 21-3-2012 01:12 PM
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本帖最后由 susahlar 于 21-3-2012 01:28 PM 编辑
回复 晴天82
如何算到利息一样STATEMENT？我算来算去不不到。。
Let Example 30/6/2011,
Monthl ...
bursamalaysia 发表于 21-3-2012 12:31 PM 
最可能的合理解释是:你的payment date不是很consistent，会不会是上个月的late penalty charge? |
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发表于 21-3-2012 01:54 PM
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还是你有一些钱没有还到principal？？？
银行当作你还advance payment而已？？？ |
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发表于 21-3-2012 02:04 PM
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直接去branch要求解释给你.....如果branch没有解释就complaint,complaint了没有下文就投诉国家銀行,就这样... |
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发表于 21-3-2012 06:52 PM
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回复 7# bursamalaysia
自己做的excel，很有心哦～
因为没有看到有insurance debiting,所以怀疑不知有没有其它的other charges or misc charges。如果楼主自己的excel的balance是没有问题的话，那利息就有问题了。 |
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楼主 |
发表于 22-3-2012 12:15 PM
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回复 9# susahlar
如果是LATE PAYMENT CHARGE，难道没有SHOW在STATEMENT吗？ |
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楼主 |
发表于 22-3-2012 12:42 PM
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回复 10# 晴天82
怎样讲ADVANCE PAYMENT 还不到PRINCIPLE？ 我的INSTALLMENT只是RM868。。每个月我都有多给。。 |
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楼主 |
发表于 22-3-2012 12:43 PM
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回复 10# 晴天82
怎样讲ADVANCE PAYMENT 还不到PRINCIPLE？ 我的INSTALLMENT只是RM868。。每个月我都有多给。。 |
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楼主 |
发表于 22-3-2012 12:45 PM
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回复 11# ss24
我已经写了。。有什么意见？
From:
To:
Mortgage Loan AccountDepartment Head
RHB Banking Group,
Level 6, Manara A,
Jalan Tun Razak,
50400 Kuala Lumpur.
21stMarch 2012
Ref: Mortgage AccountNumber: xxxxxxxxx
To Whom It MayConcern,
This is with reference to my AccountNumber xxxxxxxxxx, which has been suspected unduly extra interest charge inmy mortgage account.
I was unaware of additional interestcharge until a banker advice me the interest charge are varies few ten dollarper month based on daily interest calculation. Thus I write to the customerservice and subsequently write to branches to check. However, the mortgagedepartment banker not gives me the specified reason and call me revert theenquiry to the Customer Service again. Thereafter I have write to enquiry tocheck personnel in charge for my loan enquiry, but the customer service staffdidn’t give the contact and mentioned banker will contact me soon. For yourinfo, I have log in few complaints for the passive correspondence and chase forthe response but until now still not yet answer. (From end of 2011 until now)
I request you to kindly look intothe matter and give me a response of clarification as soon as possible to clearall outstanding issues. Herewith I am enclosing all the correspondence emailsfor your reference and action. I would greatly appreciate that the customerservice can be improved instead of just an empty promise to customer. (refer toyour RHB website flow chart to resolve the complaint)
Thanking You,
Yours Faithfully,
Encl: Copy of Account Statement, EmailCorrespondence.
Cc:
To Whom It May Concern
Bank Negara Malaysia
Ground Floor, Block D,
Jalan Dato Onn 50480 Kuala Lumpur
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楼主 |
发表于 22-3-2012 12:49 PM
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回复 12# lamiko
没办法。。要知己了解。。免被银行骗了。。 |
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发表于 22-3-2012 12:56 PM
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回复 susahlar
如果是LATE PAYMENT CHARGE，难道没有SHOW在STATEMENT吗？
bursamalaysia 发表于 22-3-2012 12:15 PM 
我不知道你的rhb的statement有没有show完全部details...你这个excel table很不完整
anyway,关于你的advance payment,不是所有bank都by default assume你的extra payment是pay extra principal的。有些bank你是要说明你的extra amount paid是for offset principal或者是pay earlier for future installment(advance payment)。
不过看你那个installment table,应该是有offset principal。 |
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发表于 22-3-2012 03:12 PM
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这可要楼主问银行了，我不能够给肯定的答案。
个人觉得应该是被当advance payment了。 |
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发表于 22-3-2012 09:08 PM
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看来大家都对楼主的statement有所疑问，建议楼主放RHB的original statement让大家研究研究～ |
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