Thursday, 19 December 2013

Berapa Lamakah Tempoh "Masa Kecederaan" untuk Proses Refinance Rumah Selesai ??


Tatkala aku tulis entri tentang refinance rumah, banyak soalan dari para pembaca berbunyi "Lama ke proses nak refinance rumah ni?"

Aku tak tau la pengalaman orang lain, tapi bagi aku yng mengalami sendiri proses nak refinance rumah ni, aku boleh cakap "target la 6 bulan ke atas". Aku sign LO pada Mei 2013 dan hingga ke hari ini 19 Disember 2013, duit refinance tu tak masuk-masuk lagi.

Banyak kerenah-kerenah (atau orang jawa cakap "Hanki - Panki" or "Hiccup") sepanjang proses refinance ni. Antaranya:

  • Banker / lawyer tak jawab call / email kita.
  • Banker / lawyer tak update problem yang melambatkan proses.
  • Lawyer resign.
  • Surat full settlement dari bank lama sudah expired selepas 3 bulan.
dan banyak lagi yang korang boleh baca dari rantaian email di bawah.

  
Pesan aku kepada yang ingin membuat refinance rumah:

  • Jangan la seperti "Mendengar guruh di langit, air tempayan dicurahkan". Simpan duit sedia ada, jangan boros. Jangan jadi macam aku dalam kisah entri ini.
  • Yang bercadang nak guna duit refinance untuk kahwin, disarankan at least setahun sebelum kahwin korang dah apply. Bukan lagi 2 bulan nak kahwin, baru sibuk nak buat refinance.
  • Pastikan korang simpan rekod perbualan korang dengan banker/lawyer, sebab apa yang diorang cakap kadang-kadang tak sama dengan apa yang diorang buat.
Di bawah adalah email lengkap (dari bulan April 2013 hingga Disember 2013) kisah refinance aku melibatkan aku, bank baru, bank lama dan lawyer. 

KEEP CALM & GET THEM READ!

p/s: Ada maklumat seperti nama bank, lawyer, email terlibat di"hidden"kan bagi keselamatan sejagat. 


======================================================================

From: {faridfahmi}
To:
{“Staff Bank”}
CC:
{faridfahmi 2};{faridfahmi 3}

Subject: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Wed, 10 Apr 2013 22:54:06 +0800

Hi {“Staff Bank”},
 Please refer my doc as requested:
1. ASB loan offer letter - 3 loans total RM 180K
2. PL offer letter bank islam RM114K

also please refer my investment statement as additional supporting doc.
1. ASB dividen statement 2012
2. Share cert
3. Shares in CIMB iTrade

TQ
 farid
----------------------------------------------------------------------------------------------------------
From:{faridfahmi}
To:
{“Staff Bank”}
CC:
{faridfahmi 2};{faridfahmi 3}
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Thu, 11 Apr 2013 13:54:00 +0800

Hi {“Staff Bank”},
Have you received my doc?
-farid-



From: {faridfahmi}
Sent: 18 April 2013 07:57
To: {“Staff Bank”}
Cc: 
{faridfahmi 3}; Mohd Farid Mohd Fahmi
Subject: Re: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)

Dear Mr {“Staff Bank”},
 Any update on my refinance application?
 Tq
 Farid 

Sent from my iPad



From:{faridfahmi 2}
To: 
{“Staff Bank”}

Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Mon, 22 Apr 2013 04:44:40 +0000

Hi {“Staff Bank”},

Good day to you. Any good news for me?

TQ

farid



Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Wed, 8 May 2013 15:41:08 +0800
Dear Mr {“Staff Bank”},

Good day to you. I try to call you since 2/5/2013 but still unreachable.
Anyway, may I know what is my application status?

TQ

farid 

From:{faridfahmi}
To: 
{“Staff Bank”}
CC: 
{faridfahmi 3}{faridfahmi 2}
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Thu, 9 May 2013 16:28:04 +0800
Hi {“Staff Bank”},

Sorry for interupting you. Any update for me?

tq

-farid -

-------- Original message --------
From: Mohd Farid Mohd Fahmi <
{faridfahmi}>
Date: 10/05/2013 4:43 PM (GMT+08:00)
To: {“Staff Bank”} <{“Staff Bank”}>
Cc: 
{faridfahmi 3},{faridfahmi 2}
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Hi {“Staff Bank”},

Sorry for interupting you. Any update for me?

tq

-farid -

---------------------------------------------------------------------------------------------------------

Date: Mon, 13 May 2013 10:51:11 +0800
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
From: 
{“Staff Bank”}
To: 
{faridfahmi}
Hi Mr. Farid,

Sorry for replying late. Good news..Your application had been approved.  I'll proceed to generate the offer letter. May I know when you will be back from offshore?

Thanks



From:{faridfahmi}
To: 
{“Staff Bank”}
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Date: Mon, 13 May 2013 11:13:58 +0800

Dear {“Staff Bank”},

Thank you for that good news.
Can you scan to me the LO for my review?

FYI, I will be back to KL on 22/5.

TQ

farid

-------- Original message --------
From: Mohd Farid Mohd Fahmi <
{faridfahmi}>
Date: 15/05/2013 3:42 PM (GMT+08:00)
To: {“Staff Bank”} <{“Staff Bank”}>
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Dear {“Staff Bank”},

Good day. Have the LO ready?
Can you scan and email to me?
I need to check the loan T & C before agree with the offer 
(i.e. total loan amount, home loan flexi term daily rest, loan tenure, interest rate, ZEC (legal fee & MRTA absorbed in loan??) etc..

TQ

-farid -  



Date: Wed, 15 May 2013 16:40:15 +0800
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
From: 
{“Staff Bank”}
To: 
{faridfahmi}
Ya..the offer letter is ready already..I'll email to you 1st thing tomorrow morning.

Thanks

-------- Original message --------
From: Mohd Farid Mohd Fahmi <
{faridfahmi}>
Date: 17/05/2013 12:06 PM (GMT+08:00)
To: {“Staff Bank”} <{“Staff Bank”}>
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
Hi {“Staff Bank”},

Sorry to interrupt you but I still don't receive the LO copy.
Can you forward to me now?

TQ 



Date: Fri, 17 May 2013 13:31:31 +0800
Subject: RE: Supporting doc for Refinance S/A House ( MOHD FARID MOHD FAHMI)
From: 
{“Staff Bank”}
To: 
{faridfahmi}
Sorry mr farid. I had already ask my colleague to help email you the offer letter. Kindly check to see whether you have received it. If haven't I'll get him to resend again

Thanks



From:{faridfahmi}
To: 
{“Staff Bank”}
Subject: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!
Date: Sat, 8 Jun 2013 16:06:31 +0800
Dear Mr {“Staff Bank”},
Please arrange the valuer to visit my house on 20/6/2013 (Thursday).
TQ

Farid


-------- Original message --------
From: Mohd Farid Mohd Fahmi <
{faridfahmi}>
Date: 11/06/2013 11:20 AM (GMT+08:00)
To: {“Staff Bank”} <{“Staff Bank”}>
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!

resend



Date: Thu, 13 Jun 2013 14:09:34 +0800
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!
From: 
{“Staff Bank”}
To: 
{faridfahmi}
Sorry for replying late. The valuer can't make it on 20th as valuation will at later stage of the loan process.  I will keep you updated on the progress. Will arrange for the valution when you are back to KL. 
Thanks

-------- Original message --------
From: Mohd Farid Mohd Fahmi <
{faridfahmi}>
Date: 13/06/2013 2:44 PM (GMT+08:00)
To: {“Staff Bank”} <{“Staff Bank”}>
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!
Dear {“Staff Bank”},

Thank you for responding. For this trip, I will be in KL from 19 till 28 June 2013, if valuer want to come.
TQ

farid 




From:{faridfahmi}
To: 
{“Staff Bank”}
Subject: RE: Valuer arrangement to visit my home @ S/A ( MOHD FARID MOHD FAHMI)!!
Date: Wed, 14 Aug 2013 18:44:28 +0800
Dear Mr {“Staff Bank”},

When will {“THE BANK”} disburse money to my acc?

TQ

Farid




From:{faridfahmi}
To: 
{“Staff Bank”}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Tue, 27 Aug 2013 10:44:21 +0800
Dear {“Staff Bank”},

I am still waiting your respond on above matter.
When will it happen? LO sign since May 2013 and you promised in 2 months everything can settle.

TQ

farid


--------------------------------------------------------------------------------------------------------

On Fri, Aug 30, 2013 at 7:57 AM, Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:
Dear {“Lawyer Bank”}
As per our conversation last Wed, I am still waiting email from you on chronology of event (complete with date) of my refinance application.
I want to know in writing what you have done so far until I can get the money.

Please response ASAP. Last time I met you in May/Jun during doc signing, you said everything can settle in 2 months but now what happen.

Dear {“Staff Bank”},
FYI. Hope you can remind “Lawyer HxxC” on this.

TQ

FARID



Date: Fri, 30 Aug 2013 08:12:47 +0800
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
From: 
{“Lawyer Bank”}
To: 
{faridfahmi}
CC: 
“Company Lawyer email”;{“Staff Bank”}

Dear Mr. Farid,

We are in order now to advise for redemption sum already after we lodge a private caveat on the Property to secure the interest of {“THE BANK”}. 

We will let you know next week when the advise for drawdown is handed to {“THE BANK”}.

We note your urgency and will expedite as much as we can.

We regret for any inconvenience caused. Sincere apologies.

Regards,
{“Lawyer Bank”}

----------------------------------------------------------------------------------------------------------------------------------

On Thu, Sep 5, 2013 at 12:05 AM, 
Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:
Dear {“Lawyer Bank”}


Any good news for me?
 
Anyway, I really appreciate if you can provide chronology date of the process. I need to track the progress for my record.

p/s: Sorry for troublesome you. Past experience with lawyer before this (other cases), make me so particular about this.

TQ


FARID



On 5 Sep 2013, at 10:48, "" <{“Lawyer Bank”}> wrote:
Dear Mr. Farid,

We are compiling the things for advise of the redemption sum. Estimated by early or mid next week our advice will be in. We will try our best to expedite for you as much as we can.

We appreciate your e-mail and close follow ups.

Regards,
{“Lawyer Bank”}



On Tue, Sep 17, 2013 at 10:04 PM, Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:
Dear {“Lawyer Bank”}

Good day to you. 
Any good update for me? 
Your email dated 5/9/13 said, advise of redemption sum will be in within a week. I assume it should be within 8-14/9/13.
Now already 17/9/13 and appreciate some update from you.

TQ

Farid




On 18 Sep 2013, at 21:05, "" <{“Lawyer Bank”}> wrote:
Dear Mr. Farid,

We regret to inform that as we were prepared to advise the bank for release of the redemption sum, we realise that the last date to pay the redemption sum is expiring.  To avoid further complication to the matter, we are requesting for a fresh redemption statement. Other than that, everything is in order. 

So, now we just need to wait for {“Existing Financing Bank”} to forward us the fresh redemption statement and then around 5 days, the bank will release the redemption sum.

We will chase wherever and whenever we could to expedite the matter.

Please be advised.

Regards,

--
{“Lawyer Bank”}




On Thu, Sep 19, 2013 at 9:23 AM, Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:
Dear {“Lawyer Bank”}

From here, now how long it take for me to get money?
By 30 sept, can i see cash in my account? Urgently required.

Tq

Farid

Sent from my iPad



Date: Thu, 26 Sep 2013 14:34:58 +0800
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
From: 
{“Lawyer Bank”}
To: 
{faridfahmi}
CC: 
{“Staff Bank”}

Dear Mr.Farid,

Apologies for the late reply as I was very sick few days back, suspected Denggi.

Please be informed that we are still waiting for the fresh redemption statement from {“Existing Financing Bank”}. You may assist to chase them to issue us the fresh one soonest possible. We must advise for redemption sum first and once it is paid to Am Islamic Bank, we will need them to release the original documents i.e . title, duplicate charge, etc. At that stage, will need your assistance to chase them to expedite.

Please do not mistaken that we cannot do the chasing but since you are the Borrower, it would just assist us further.

Looking at the circumstances, we fear that by 30th September is highly unlikely. However, we may be hopeful that you will get your money by the second week or third week of October.

Regards,

--
{“Lawyer Bank”}




From: {faridfahmi}
To: 
{“Lawyer Bank”}“Company Lawyer email”
CC: 
{“Staff Bank”}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Thu, 26 Sep 2013 18:35:54 +0800
Dear {“Lawyer Bank”}
Sorry to hear about your health condition, hope everything is good.

BTW, can you scan and email to me the letter when you request for fresh statement? Who's the {“Existing Financing Bank”} focal person that you contact?

I am not happy with the news. 
Last time, you said I can get money before Hari Raya Aidilfitri, now it seems after Hari Raya AidilADHA also, the process is still long way to go.

Regards,
Farid



From: {faridfahmi}
To: 
{“Lawyer Bank”}“Company Lawyer email”
CC: 
{“Staff Bank”}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Fri, 11 Oct 2013 08:38:18 +0800
Dear {“Lawyer Bank”} 

Good day.

Now already second week of Oct 2013. 
Your last email said I can get money by second week.

Any update?

Regards,
Farid



From: {faridfahmi}

To: 
{“Lawyer Bank”}“Company Lawyer email”
CC: 
{“Staff Bank”}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Mon, 14 Oct 2013 12:37:15 +0800

Dear {“Lawyer Bank”}
Good day. Any good news for me?

TQ

Farid




On Mon, Oct 21, 2013 at 10:32 PM, Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:

Dear {“Lawyer Bank”}

Good day to you.
Any good news for me? Now already 3rd week of Oct 2013.

TQ

-farid-



Date: Wed, 23 Oct 2013 00:07:17 +0800
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
From: 
{“Lawyer Bank”}
To: 
{faridfahmi}
CC: 
“Company Lawyer email”; {“Staff Bank”}

Dear Mr. Farid,

The first disbursement has been released as of today. We will arrange the payment to be sent to {“Existing Financing Bank”} by this week. Thereafter, we wish that the bank can release the original security documents soonest possible to enable us to proceed further with the second disbursement.

Please be advised.

Regards,
{“Lawyer Bank”}



From: {faridfahmi}
To: 
{“Lawyer Bank”}
CC: 
“Company Lawyer email”;{“Staff Bank”}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Thu, 24 Oct 2013 07:50:52 +0800
Dear {“Lawyer Bank”}

Thank you very much. Good progress as per planned.
Hope this delay can be settled very soon.

TQ

Farid




On 6 Nov, 2013, at 5:33 pm, 
Mohd Farid Mohd Fahmi <{faridfahmi}> wrote:
Dear {“Lawyer Bank”}

Good day. 
2 weeks already pass. When will the 2nd disbursement take place? 

TQ

Farid



CC: “Company Lawyer email”{“Staff Bank”}
From: 
{“Lawyer Bank”}
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Thu, 7 Nov 2013 18:26:49 +0800
To: 
{faridfahmi}
Dear Mr. Farid,

Awaiting for original documents to come back from {“Existing Financing Bank”}. Once received will update you.

Regards,





On Nov 20, 2013, at 8:46, "Mohd Farid Mohd Fahmi" <{faridfahmi}> wrote:
Dear {“Existing Financing Bank”},

Above subject refer. 
May I know what is the status of the release of original security document to {“THE BANK”} and discharge of charge/receipt & reassignment? have {“Existing Financing Bank”} executed that?

Full settlement of outstanding has been disbursed by {“THE BANK”} to {“Existing Financing Bank”} on 23/10/2013.

But {“THE BANK”} hold the 2nd disbursement (i.e. my refinance cash out) until you release all security document.

Appreciate you to expedite this matter.
I desperately need cash money  

TQ

Farid




From: {faridfahmi} [mailto:{faridfahmi 2}]
Sent: Wednesday, November 20, 2013 2:29 PM
To: {“Existing Financing Bank”} Affiliate desk
Cc: Mohd Farid Mohd Fahmi
Subject: Re: Full settlement  house loan (ref no: 829-517-xxxxxx)
Dear {“Existing Financing Bank”}, 

Any update?

Sent from my iPhone



From: {“Existing Financing Bank”}
Sent: 21 November 2013 17:27
To: {faridfahmi}
Cc: Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate desk; {faridfahmi}
Subject: RE: Full settlement  house loan (ref no: 829-517-xxxxxx)
Dear Tahar,

We have inform {“LAWYER BANK”} the doc ready for collection.

Regards,



From: {faridfahmi}
Sent: 21 November 2013 18:37
To: {“Existing Financing Bank”}
Cc: Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate desk
Subject: RE: Full settlement  house loan (ref no: 829-517-xxxxxx)
Dear En Husni / En Tahar,

Thanks for responding. 

1. When you said {“LAWYER BANK”} can collect the doc, does it mean {“Existing Financing Bank”} has executed discharge of charge of the original document?
2. Since the full payment has been made, have  payroll being informed to stop my salary deduction for monthly loan installment?
3. If any excess in payment what is the process for me to get back the refund.

TQ

Rgds,
Farid



From: {faridfahmi}
Sent: 25 November 2013 16:18
To: {“Existing Financing Bank”}
Cc: Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Affiliate desk
Subject: RE: Full settlement  house loan (ref no: 829-517-xxxxxx)

Dear {“Existing Financing Bank”}

Any update on my enquiry? 

p/s: Ignore Question #2. installment via salary deduction has been stopped for payslip of nov 2013.

TQ

Rgds,

Farid


From: {“Existing Financing Bank”}
Sent: 29 November 2013 10:14
To: {faridfahmi};
Cc: Mohd Farid Mohd Fahmi; {“Existing Financing Bank”} Subject: RE: Full settlement  house loan (ref no: 829-517-xxxxxx)
Dear Mr Farid,

Your document already executed and collected by {“LAWYER BANK”} on 27/11/13

Regards,




On 3 Dec 2013, at 15:44, "{faridfahmi}" <{faridfahmi 2}> wrote:
Dear {“Lawyer Bank”}

Any update on 2nd/final disbursement?
I was informed by {“EXISTING FINANCING BANK”} that you have collected the doc on 27/11/13 (refer email below).

What is the progress at Land office? How fast I can get the money?

TQ

Farid




On Dec 5, 2013, at 13:05, "" <{“Lawyer Bank”}> wrote:
Dear Mr. Farid,

Please call office for Ms. {Secretary} for the latest update as I have left the company already.

Thanks!

Regards,
{“LAWYER BANK”}
 
 


CC: {faridfahmi 2}
From: 
{faridfahmi}
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Fri, 6 Dec 2013 12:49:16 +0800
To: 
{“Staff Bank”}
Hi {“Staff Bank”}. 

Good day. Yesterday u said, bank can release money by next week rite? Pls reply my email n put it in writing. & pls follow up my cheque book. I Still dont get it. 

Tq - farid


Sent from my iPhone 




On Dec 10, 2013, at 14:29, "Mohd Farid Mohd Fahmi" <{faridfahmi}> wrote:
Dear {“Staff Bank”},

Good day.
I am still waiting your response on this matter.
You said by Monday (yesterday), lawyer will settle with Land Office and will advise bank to disburse.
Today already Tuesday but still I don't any news from you or lawyer.

Please respond.
If you cannot respond, pls get lawyer to respond. I try to call lawyer but still unreachable.

p/s: Don't forget my cheque book.

TQ



From: {faridfahmi 2}
To: 
{faridfahmi}
CC: 
{“Staff Bank”}
Subject: Re: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Wed, 11 Dec 2013 02:50:54 +0000
Resend. Still no response from u.

Sent from my iPhone




On Dec 14, 2013, at 9:45, "Mohd Farid Mohd Fahmi" <{faridfahmi}> wrote:
Dear Ms {Secretary} ({“LAWYER CO.”}),

I was informed that {“LAWYER BANK”} has handed over my case to you before he resigned.

I called your office everyday since last Friday (6/12/13), but you are not reachable.
Every day, I leave message to your office secretary, but you never return my call.
PLEASE RETURN MY CALL NOW. 

Dear {“Staff Bank”} {“THE BANK”},

Everytime I call you, you said "I call you back!". What the hell?
On the phone, you said everything are OK. 
Can settle very fast / land office can issue receipt in 2 days / cheque book is ready, will send to my home bla..bla..bla. 
But when I ask you to reply my email and put your say on writing, you don't dare.

I went to branch yesterday 330 pm, looking for you and I want to collect cheque book. 
You know what the staff at {“THE BANK”} kepong branch said, " Luckily you come. {“Staff Bank”} never request me to do your cheque book!!!" 
What are you doing? 

Please respond.

TQ

farid



From: {faridfahmi}
To: “Company Lawyer email”; {“Staff Bank”}; {“Lawyer Bank”}
CC: {faridfahmi 2}
Subject: RE: When will bank disburse $$$ for my refinance?? (FARID S/A)
Date: Tue, 17 Dec 2013 09:58:13 +0800
Dear {“Lawyer Secretary”},
Good day. Thanks for pick up my call this morning.

My name is MOHD FARID BIN MOHD FAHMI (IC: 810420-xx-xxxx).

As per our conversation this morning (17/12/13), you said:

1. All matter related with Land Office has settled. Land Office already issued the presentation receipt. When?
2. Lawyer now can advise bank to release the money at any time, pending on lawyer side.
3. Cannot advise bank today as Lawyer in charge {“Lawyer Name”} are on MC?

Therefore, I seek your help to acknowledge (in writing) the info above.
And also please get your lawyer to advise bank ASAP.
I am sick with all promise given by {“Resigned Lawyer ”} last time.

Bank already charged me on legal fee of RM 8587.51 on 23 OCT 2013, but until now my case are still not settled.
How come bank can pay for legal fee for unfinished business.??

Please read this lengthy email to not why I so disappointed about this.

TQ

FARID



From: {faridfahmi}
To: {“lawyer bank”}
CC: {“banker”}
Subject: Attn to: {“New Lawyer”}{“Secretary”}
à (Update for Farid's case)
Date: Wed, 18 Dec 2013 09:15:04 +0800

Dear {“New Lawyer”}{“Secretary”}

Referring to my email yesterday, appreciate your update on this matter.
Hope you can advise bank to disburse the money today.

TQ

Farid



From: {faridfahmi}
To: {“lawyer bank”}
CC: {“banker”}
Date: Thu, 19 Dec 2013 16:39:25 +0800
Subject: RE: Attn to: {“New Lawyer”}{“Secretary”}  --> (Update for Farid's case)


Dear {“New Lawyer”}
,

Good afternoon. Since you said lawyer already advise the bank on 18/12/13 to release the money, appreciate if you can put it in writing by replying this email.

I need black and white from your side to push the bank, as all these time, bank said all delay are from your side.

Your assistance is sought.

TQ

Rgds,
Farid


Date: Thu, 19 Dec 2013 17:05:18 +0800
From: {“New Lawyer”}

To: faridfahmi@hotmail.com

Dear Mr Mohd Farid,

Greetings!

As informed this afternoon, please be informed that we had advised on 18/12/2013 for the balance loan sum be released by portal online to {“THE BANK”}.

Please find attached the advise letter for release for your reference. Thank you.

Warm regards,
{“New Lawyer”}

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27 comments:

  1. Bila nak business, berdegang2 kasi harapan duit dapat cepat la bla3... Tetapi ianya hanya akan berlaku kalau kita hidup di dunia yg amat perfect sekali. Malangnya keadaan masa kini tidak la begitu perfect membuatkan client/customer macam kita ni kena la tanggung segala kelewatan... Huhu...

    Ps: aku pon dlm proses jual rumah.. Since may dah agree harga. November baru signed SPA dgn buyer baru. Tak tau la bila boleh dapat duit. Aku target dlm bulan 6 tahun depan jela utk tidak rasa sakit hati

    - alham_johan

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    1. tu la pasal alham...tension gak...kalo ko jual rumah ko yang 1 juta tu, by the time duit ko masuk...harga rumah tu dah jadi 3 juta dah...haha

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  2. saya pun ada buat refinance akhir bulan 12 tahun lepas. duit dapat Mid Jun 2013. bank Rhb.
    lawyer bank memang melambatkan process.

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    1. sama je rasa semua bank / lawyer camtu..lambat!
      tahniah sbb dah dapat duit...aku nye x nampak lagi..

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  3. Berat gak lepas baca ni.sy ada ref umah bln 9 hr tu.staf bank ckp slalu amik masa 3 bln je.So smp skrg sy tgu jela dlu.nk kena follow up jugak le mcm ni.buleh tau x biasa yg jd lwat2 ni sbb bank ke sbb lwyer?and klu sbb bank bley tau x bank mna?sy buat ref bank hsbc...

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    1. selalunye dua2 lawyer bank yang lambat...memang kena push sikit lawyer bank tu & follow up dengan email untuk pihak bank (customer service). sebab sebelum nie penah terjadi dekat saya, lawyer hold document 2 minggu lebih alasan nak kena review sebelum pas kat pihak bank untuk sign. lepas sign lawyer akan review balik sebelum die pas kat lawyer bank baru. saya refinance dari ambank ke rhb

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    2. fitri..bank kita sama...tapi still nasib la..ada yg cepat...aku je bernasib kurang baik kot..

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  4. aku pon sama..refinance start bulan 5..sampai sekarang xsetel2..ni dah masuk tahun baru mintak cukai pintu la, cukai tanah la..stress betulll..

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  5. Kalau refinance ko lepas kira bertuahla sbb skarang refinance cah mcm personal loan 10 tahun je

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  6. aku pun tengah buat refinance nie...baru sign LO 4 Feb 2014...kita tengok berapa sampai duit cash out.

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    1. member aku paling cepat dapat cash out buat 2 bulan...all da best to u..

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    2. Salam Farid,
      Boleh share member kau punye lawyer contacts and bank mane dia refinance to?

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  7. wife saya pun buat refinance dr RHB ke OCBC. Sign LO bulan hujung bulan December 2013. Proses penilaian rumah dah selesai awal Februari. Documentation lawyer pun dah sign baru2 ni. skrg ni wife sedang cari cash utk dptkan differ antara outstanding loan RHB dengan amount refinance. Wife tak dapat full amount masa refinance. Tujuan refinance bukan nak amik cash out tetapi just nak convert from conversional to Islamic loan.

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    1. kenapa tak boleh dapat full loan cover outstanding balance? market value tak naik ke?

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    2. My wife heavy commitment that why bank hanya dapat bagi around 60% daripada ouststanding sedia ada. Terpaksalah wife top up cash sendiri untuk cover balance amount yang pending. Sampai sekarang urusan refinance tak selesai lagi dah nak masuk 6 bulan dah

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  8. Salam...saya nak tanya..bila kiter wat refinance rumah...kiter kena appoint lawyer ker?dan kiter kena bayar legal fees ke bila loan refinance dah lepas?sori sebab saya xder pengalaman n kali ni first tie sy br nk refinance rumah..lgpn rumah sy dh hbs byr...blh ke refinance?mintak tnjk ajar...

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    1. salam Si Cincin,

      yes. lawyer memang kena appoint, samada lawyer panel bank atau tidak, bergantung atas bank tersebut. kos-kos yang terlibat adalah legal fee, valuation fee dan insurans MRTA/MLTA.

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    2. BERAPA LAMA BANK CASH OUT DUIT KITA DARI TARIKH SURAT ADVIDE PEGUAM?

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  9. SALAM. SY REFINANCE DGN RHB. NAK TANYA , UNTUK BANK CASH OUT DUIT KE AKAUN KITA , BERAPA LAMA MASA YANG DIAMBIL DARI SURAT PEGUAM ADVISE?

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    1. salam..biasa dalam 3-5 hari bekerja..

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  10. Perkongsian yg baik

    sy dan suami pun baru berkira-kira nak refinance rumah untuk tujuan renovation & satukan hutang lain

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  11. good info...means : bila sy keep on chasing valuer, lawyer dan bank..sy bukanlah over action...rupanya memang kena kejar.

    donia oh donia!

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  12. baru jumpe post ni sebab tergerak hati nak tengok orang lain sharing pasal refinance rumah... saya dah sign offer letter since nov 2015. until today duit belum disburse.. pending pada lawyer site.. katenye nak tunggu landsearch dr pejabat tanah.. redemption date pon dah overdue.. tapi dah dapat redemption date baru..
    any advise for my case?

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  13. salam, saya baru je buat refinance..tapi buat dgn ejen..sbb refinance rumah kos rendah je..ejen bgtau dalam masa sebulan je..sbb bank akan call..mungkin semua bank..sbb dia akan submit pada semua bank..tp harap2 la dapat dalam masa yg ditetapkan..hehehe sbb nk settle kan semua hutang2 yg ada ni..nk bg tggal 1 hutang..yakni hutang rumah je..baru lega..penat la..gaji abis ke hutang je..heheee

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    1. assalamualaikum illiya, nak tanya dah dapat ke duit? saya buat bulan 8, sekarang masih belum dapat, pihak lawyer kata sekarang tengah tunggu bank bagi duit baki selepas tolak hutang lama rumah utk bolehkan pihak lawyer settelkan lagi 2 hutang saya.. jangkaan utk saya dapat cash berapa lama lg ye rasa2nya..

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  14. kalau dalam masa proses nak tunggu duit masuk tu kita tukar kerja ada apa2 effect tak agak2?

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