What and how would you react, when you received a phone call from a lawyer office, saying that you are required to attend a court session for the mistakes of others.? Especially when it involve, money, family/relatives and the future of your career...? Of course, you gonna get angry isn't it? I cried. Yes.. I did. Because I think I've been cheated by my uncle...Earlier, I agreed to help him, for the fact that, he had helped me a lot when I was a child.... To me, it's the time to pay him back... for whatever support he had given me before. But then, I didn't expect this to happen. I allowed him to use my name to get a car, with a condition that he will pay for what ever he use, and that he has to settle the sum amount of loan he had made for the car.... Unfortunately, he didn't do as what he agreed.. and I had to bare the consequent. My name has been blacklisted in the Bank Negara, will be issued summon for 'tindakan tatatertib' as per 'Perintah Am' ..what ever the lawyer had mentioned to me over the phone.. and if I do not what such things happen to me, I need to provide full settlement for the loan... "@^$%*"!! I had mixed feelings, sad, angry, feel stupid... and etc. Like it or not, I need to pay and initial payment to prevent court action. Then, I may request for staggered payment only until full payment has been made, can I request for the de-list from Bank Negara. Is it fair? I don't mind to help, if the person that I help really in need. The thing is, I don't think I should help this kind of person.... Really show off, Eating out in restaurant, hotel.. etc, drive a Toyota Harrier and Perdana... do you think this kind of people worth to be helped? I don't think so.. I rather, help my sister, with two son, no husband and no work. ... I am so very sad.........
So, I went to his house last Saturday, meet up with my aunt, and request.. not even that, I appeal them to settle the payment. I don't want to jeopordise my career, my future, my children future...
Yesterday, Monday, my uncle, my hubby and I went to the HQ, to meet the credit officer, and discuss about the matter. He personally promised the officer, to settle the payment in two consecutive months. I can only pray to Allah, please allow him to pay the loan. Then allow him to pay me... I hope I can clear my name from the Bank Negara list... Well, let see around next week, whether or not, he fulfill his promises.....To me, points to learn.... say NO to any thing to do with loans.....especially when it involves with relatives and involve with your NAME. If it is only to borrow certain amount of cash, that is tolerable... but to use your name as guarantor or as what I mentioned earlier... better say NO.....
Nonetheless, I am happy that, I manage to control my anger, my sadness, I came in peace to see them. I manage to save the relationship ... and hopefully save my money and my name.......
so.. between money and relatives.. to me both are important....
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1 comment:
Quoted:"To me, points to learn.... say NO to any thing to do with loans.....especially when it involves with relatives and involve with your NAME."
Maybe NO is to much for a family, it depends kot...or maybe kita monitor status from time to time kalau kita jadi guarantor kot(as a precaution) TOO MUCH ker kalau buat gitu?....just a thought! never before being a guarantor, but have many occasions where family being my guarantor for 3 different kinds of study loan and scholarship.
BTW, you have the right to get REALLY ANGRY!
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