I have not been spared of His tests this Ramadhan. Biasalah masalah ibu tunggal (feels so weird to call myself that). Kepala berserabut this whole week trying to manage and negotiate with the bank on a housing loan of an abandoned project. I had thought the problem was solved last year, tetiba they called to say I owe RMXX,XXX on interest since last year!! Eikkk... mana boleh... they had promised me that it would be solved last year. I did not hear anything else from them after that and so I happily went about my life (other problems??), grateful that that portion of my worries are taken care of. And now...
Alhamdulillah, I have friends for moral support. Yang tolong karang surat, and teman pergi bank. But it's not over yet!! Yang masalahnya, the people who handled my case last year had resigned and now I have to deal with new officers who doesn't know hoot about my case. Apparently there's no handover... Leceh betul. And at whose expense???
What I know for sure is: In this country, when you buy a house which is still under construction and the developer decided to 'cabut lari' before completing the project, you ARE NOT protected!! AT ALL. As a purchaser, bayarlah interest for the tingkap & pintu yang dah dikopak, railings on the stairs yang dah dicuri etc or face legal actions...
Siapalah yang boleh bela nasib I ni? Tulis surat pada KPKT -- dah! Tulis surat pada Tribunal Pengguna -- dah!! Hmmmm... letih, letih!! I wonder who is protecting these big M-A-F-I-As. Grrrrrr... dugaan, dugaan...
Babang, if only you were here!! The problem would still remain, but at least we'd shoulder it together!! (forgive me God for this unrealistic wish and for sounding so ungrateful. Show me a way out, dear Lord...ameen)
Thursday, September 25, 2008
Dugaan Ramadhan
Posted by MHB at Thursday, September 25, 2008
Labels: c'est la vie, personal
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27 comments:
salam,
I came from Mrs Nordin's blog.Reading what you wrote in your profile dah cukup buat mata I bleed (sorry, just put in some joke to lighten the mood, no intention to make fun of you at all..)and I was wiping my tears. Its as if you have summed up what you feel losing your husband.I nearly lost my husband, not literally during ramadhan last year and you know, memang ramadhan ni teramat berkat (i'm sure you know that already, its just a reaffirmation for myself)and I feel truly blessed that the dark period last year was over.And things have really been really good for me.Alhamdulillah.No, we've not gotten more money or anything, tapi the things that Allah show us comes in miraculous forms and for that I am sooo thankful. I too suffered the same case like yours (abandoned project) but I never lost hope and kept on praying and doa and zikir and whatever it takes to ask Allah to mudahkan semua urusan.And alhamdulillah, got a letter saying that the project would be revived and now they are completing the service apartment.It was supposed to be ready in 2005, 3 yrs after I bought it when i had my first child and then it suddenly stopped in Sept 2004.So, all in all, I waited 4 years to see it alive again.
What I'm trying to say is, keep your focus on!Focus on the house being ready or focus on a solution that would work for you, insyaAllah, it'll happen.
I have not yet read your entries, but will do soon.I cannot imagine trying to bring up my children alone so, I salute you!
I get overly sentimental and sayu whenever ramadhan beckons.So, it doesn't help reading about your predicament.
I doakan everything works well for you and one ayat yg i amalkan is ALkausar, insyaAllah it will become ayat yg memudahkan all your predicament. Take care.ps:sorry la tulis panjang2 and if you feel offended..
Hey...hang on there. Don't give up just yet. InsyaAllah things will right itself.
To be honest I know nuts about housing loan and interest payments. So I can't help you out there. But I'm sure you can plead your case. What about the lawyer who handled your S&P before - can't they help?
Stay strong, ok. Wish you all the best.
MHB
we are in the same boat! We bought one condo unit last 2 years, supposedly for my eldest son, tapi tak siap2 sampai sekarang. When it was launched, there was such a huge advertisement about the condo. I even got 2 sets of Royal Albert pinggan mangkuk from the developer to show their appreciation for our support (we are among the first to purchase a unit there).
After a year, the work kejap ada kejap tak ada...and we are still paying the interests until now. I hope another developer will take over and continue to complete the work (its about 70% completed). Sigh...dugaan...
hi sis. i hope you'll have a blessful raya despite all the dugaan. mintak maaf if i ever offend you in any way. hugs for your 2 angels.
memang geram, but it's His test - again, and again; more and more to come! I have nothing to offer other than to tawakkal and redha...
sigh... i pun ada kes tak selesai lagi but am hiding under the curtains until one fine day..!
Assalamualaikum
Dear sister MHB,
I hope insha'Allah, your ordeal will resolve soon with the help of Our Almighty Allah SWT, Ameen.
Sabda Rasulullah SAW:
“Sesungguhnya aku ketahui satu kalimah yang apabila dibaca oleh mereka-mereka yang ditimpa bala atau kesusahan, Allah akan lepaskan si pembacanya dari kesusahan. Kalimah tersebut ialah tasbih saudaraku Nabi Yunus AS “La ilaha illa anta subhaanaka inni kuntu minazzholimiin.”
Ya Allah, Ya Tuhanku, Yang Maha Mendengar Lagi Maha Meliat, semoga Engkau permudahkan segala urusan hamba Mu ini, semoga dilindungi dari kesusahan dan di limpah kurnia dan rahmatNya senantiasa, Ameen, Ya Rabbal Alamin
Take care sister MHB and salam to your two princesses. Takziah for your loss and Alfatihah for your allahyarham suami. Semoga rohnya senantiasa di cucuri rahmatNya Ameen
Sorry to hear of your predicament. Be patient. That's all I can say..
royalshoppingarcade -- thank you for posting a comment and sharing your experience. Thanks for the reminder for me to be FOCUSED. I need that...
Our housing project had been abandoned since 2003 and there were promises to revive it, but promises remained promises. Last year, the project had been taken over by I*M and that sparked hope, but tu pun dah lebih setahun and tak jalan-jalan gak...
I tell myself, tak pelah... Allah Maha Mengetahui... tapi ggggrrrrrr...marah la kat developer *%#@?! tu!!
Also thanks for the Al-Kausar tips... and no, I am not offended! :-) Selamat Hari Raya!!
MTT -- thanks for the moral support :-) Appreciate it much!!
waterlily -- you too?? Hmmm... our abandoned project tu was supposed to be our dream house, you know... we invested a lot of money on it. After that tak jadi, we bought an apt where I'm staying now. And the house yang abandoned tu is 80% completed, tu yang sakit bayar kat bank! Kalau just 10% completed, the interest won't be so high, kan?
I wish you all the best too!!
nanrfz -- Selamat Hari Raya to you & Erina too!! same here... minta maaf kalau ada yang mengguris hati (almaklumlah kita semua ni xtra sensitip hehe). You take care, ok and selamat beraya dengan sandals putih! :-D
d -- insya-Allah... I will tawakal and redha as much as I can...
don't hide too long tauuu... nanti tetiba dia meletup... adoiiii!!!
fd& -- thank you for the kalimah. Insya-Allah, I will amalkan... and thanks for the du'a for arwah... I consider having a reader like you a blessing from God... alhamdulillah...
Selamat Hari Raya to you and family. God bless you all.
mrsnordin -- thanks, dear...
Myheartbleeds,
I'm sorry to hear of your predicaments. Just hang in there, okay?
Have you talked about this with the other purchasers? Maybe you can ask their opinion and get some ideas as to how to handle this sticky situation. And what about the S&P lawyers?
Apa-apa pun hope everything will be settled soon, insya Allah.
Take care, dear.
Myheartbleeds, so sorry to hear about this. That's the risk we have to take when we buy a house under progressive development. Just like other cash investments.
Ok, 1stly, write to the bank for a 100% waiver of the interest. Lay down your predicaments. 2ndly, offer to start paying the instalments immediately so that all your repayments will go towards the reduction of the principal loan. So you don't waste your money on the interest.
In the event the bank rejects your request for waiver, appeal to the highest management - they'll definitely see the bigger picture. Lets say the bank really can't give the 100% waiver, negotiate for anything near that. Actually even if not total interest waiver, the bank can still fix the minimum interest if it so wants. At least ada lah jugak jimat kat situ. If they say it's impossible, tell them, yaaaa boleh sebab kakak saya kata memang boleh!!! Jangan nak tipu!
3rdly, team-up with the other purchasers so that your voice will be louder. Go after the developer. Approach the goverment department concerns. Some times they will appoint new developer to take over the project.
Frankly, lawyers can't do much. Remember, when you sign the SPA, the lawyers are mostly acting on behalf of the developer. When this unfortunate event happens, there's nothing the lawyers can do to ensure the project is revived. Is the developer still solvent? If it is wound-up, lagi horror! But if it is under liquidatorship, the liquidators can work things out in terms of liaising with the government office concerned or new parties about the revival options.
Hope this will enlighten you a bit. Memang ini dugaan for the buyers/borrowers and also for the bank officers yang jaga file macam ni....*wink wink (p/s tapi the one yang jaga file you and told you 'it's ok' last year tu, memang tak pandai!!! Patut kena advise you..mana ada 'it's ok' kalau abandoned project one...!! Or maybe dia tak de kakak tiri harimau!!! ha ha)
wanshana -- since 2005, all the purchasers have gotten together and formed an action committee. We have gone for various meetings with the ministry in charge, our plight appeared several times in the press but still...
this is my dugaan... thanks for the moral support!!
Kak Tati!! -- I have written to the bank for a 100% waiver (but the officer said most probably the committee will give me a 10% discount only) and I am willing to start paying (also asked for revised instalment amount).
So... memang you think the bank will reject my application and I should go to highest management? Ok... I will do that... actually when I went to the bank the other day, my kind-hearted see-eee-ohh accompanied me and kinda 'threatened' the officer he'd take the matter to the bank's ceo if they are not willing to look closely into my case.
Like I said in my earlier comment, kami purchasers dah form committee pun and semua dah letih...
The project was supposedly taken over by IJM last year and we were hopeful that they could revive it, but until now habuk pun tarak...
Tulah.. I sakit hati sebab have to start paying the outstanding balance of RMXXX,XXX for NOTHING!! Kalau dapat rumah yang boleh pegang, lihat, sewa or tinggal tak pelah... !#%&!@? punya developer... tunggulah Allah balas korang nanti!! grrrrr...
Right now I redha je lah.. and have to start 'puasa' oso la after this... :-(
MHB,
Mine was originally by si Talam Dua muka then revived by IJM.They will pay us the late deliveries in instalments.Alhamdulilah for that, walau tak byk, sikit pun nasib baik jugak.itula kita kat malaysia ni, tak cukup bising..kalau overseas, usually they get the whole compensation.
insyaAllah la semua akan settle..you know, the secret says that you have to keep on talking about this issue being settled amicably and you have to vision that the house is ready.EVery night you vision this before you go to bed. And always talk about the house being ready soon, I guess its like a good doa, if you keep on talking about it being completed, it would be complete on day.
Take care and Selamat Hari Raya!
royalshoppingarcade -- same here, but I call them Talam Jahanam!! hehe...
I will try to do as you suggested and sabarrr, sabarrr...it might just work, insya-Allah. Honestly, I have lost all hope but that's not the way to go, is it?? Ok, ok... will be more positive from now on. Thanks for the tips :-) You have a great Raya, ok??
Selamat hari raya aidilfitri.
Maaf zahir Batin.
Jemput datang ke rumah
;)
mhb,
seram eh dengar criter camni.
It crossed our minds a few times, to get a property that's proposed for construction, in Msia. Especially bila dapat brochure condo project yg nampak kat brochure macam best..
but hearing these experiences - i guess it's better to buy a house there, yang da betul siap eh.. rather than buy one that is still under development.
I can understand your frustrations - i'd feel like tearing my hair out too! kalau camtu. so so so unfair. kalau da lambat tu... patut developer la bayar penalty.. rather than purchasers bayar interest. i think maybe (kalau tak silap) kat singapore ada clause - if developers don't deliver ontime.. then what happens. but alhamdulillah, ours siap before scheduled date.
panjang lebar pulak comment ni.
In any case, I hope you will have a happy raya, insyaAllah and a good long holiday. :)
Dear Myheartbleeds,
I came via Ms Hart's blog. Actually have read some of your postings previously, but never got the chance to pen a comment. But I meant to do so one day. And the one day (or night, shall I say) is today.
I felt the same way as royalshoppingarcade when I read your profile...especially your last line. Sedih and sungguh menyentuh hati... I pray that you are given the strength in all aspects physical, mental & spiritual.
Then when I read about your ordeal on the abandoned house project, lagi lah I know the perasaan. I am also one of those stucked with the rotten deal first by TALAM (since the name is out...so let it be lah yea) and now with IJM. Lemme guess, this must be their project in Puncak Jalil? Or have they been up to the same acts at other places as well?
I have given up hope on this property. The ding dong with the developer really sakit hati. Buang duit for no reason. Yes we too have written letters to KPKT and the answer we got...nahh...no need to cerita lah here.
Just that day the bank called saying that work has progressed ad said that they will disburse payments to the developer. Excited sekejap...but bila we went to have a look...tak de difference pun.
Now tgh fikirkan what's the next move. Maybe can share with you once we figure the plan out.
You take care now.
Salam perkenalan and wishing Selamat Hari Raya & Maaf Zahir Batin.
~Kay~
mak farhah -- Selamat Hari Raya to you and family too!! Insya-Allah, I singgah rumah you nanti ;-)
madame blossom -- yeah, tu lah cerite nya... yes, buying a completed house is advisable, tho' mahal sikit tapi puas hati. You pay for a house that is liveable/rent out-able and not paying for dust like in my case!! sigh...
You have a good raya too... mmm... teringat lak your choc chip cookies... I shall bake some today, insya-Allah... ;-)
kay-leeda -- thanks for leaving a comment and salam perkenalan to you too!
so, you pun kena Talamised jugak?? I know bout the promises (setahun dua kali they give us false hope saying work will be revived)... and macam tu lah for the last six years... dah lali, kan?
My project is next to Puncak Jalil called Jalil Heights. I will fight for the bank to waiver the accumulated interest, tapi the actual loan amount kena bayar jugak even if rumah tu tak siap 10 years from now!! uwaaaa!!!
Yesss, please share with me if you have any new info on how to go about dealing with this heartache, ye? would appreciate if much!!
Selamat Hari Raya to you and family too!!
kayleeda,
mine is in Ukay Heights, Springville Service Apartments, tapi memnag ada progress alhamdulillah..moga selesai lepas ni..insyaALlah.
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