My God's Blessed Day..19 September 2017...Truly...

Coming Alive Again

With some trepidation, I arrived at my PBB branch at SEAPARK. It was about 3.30 pm and after accompanying my good friend, Dr. Lee to Hong Leong Bank. He has just recovered from a triple bypass and it was the first day he took his " baby steps " out of his home.

I took my number from the queue machine and awaited my turn. The crowd was sparse. Then I responded to my number being called; the officer took my thumbprint; and thereafter gave me my bank balance.

A smile came to my face. Yes, it was true that the withdrawal was less than the stipulated amount of RM 2,099 . Meaning.....it was my last payment on a decision to buy a dodgy office property committed in 2014. To date, no one wants to rent the property thanks to two wicked souls! We would not speak of these devils who have brought down the property market.

Good things then began to happen as I put into  gear my resolve to begin to settle all the swallowing debts encircling me................

First to bring me some inner satisfaction was that I have settled the full amount of about RM 1,800 that my son has advanced to me to replace the automatic gates outside our old yet to be repainted home. Then my arrears on my Indah Water was paid and I am no longer their concern. Done my bit for the environment.

Next, to end  my payment issue with ACCA Global. I wrote an email to Lay Choo to help me resolve this black hole of a payment issue.

The next target was London Pacific Insurance (LPI)....an insurance company which has got its heart in the wrong place. Money bedevils....this is a true case! I rang and spoke to Belinda on 21 September and told her about these unnecessary payments that I have been saddled with from her Sylockian company. Each year my property, Avenue Crest, pays a Master Fire Policy on behalf of its unit-holders. LPI got the money and the hurrah!....but just because I took a commercial loan from their sister company, PBB... they conveniently issue a single policy on my unit for RM 800+, double insuring the unit!. I had this problem in 2015-2016 but somehow managed to get a credit note to rationalise this issue. In the ensuing year of 2016-2017, LPI again got back to their menace and sent me a policy for that period, hammering me down by another RM 800. It's confirmed that LPI is a leech! I had some problems with CB Land, the developer of Avenue Crest then and could not obtain the copy of the fire master policy for Avenue Crest. In August 2017, for the period 2017-2018, again the LPI wrote me another new policy. Banggang! So, Belinda of Customer Service of LPI, taking cognizance of my concern, assured me the current new policy will be cancelled and the premium returned  to me. As for the 2016-2017 policy premium ..they will look into it once PBB Taipan USJ gave an indication  in black and white of my full loan repayment.

So now I have to resolve my outstanding issue with PBB. I spoke to Miss Chung. Initially she was being procedural but I was adamant that she see the urgency in my matter with LPI. After some initial difficult pauses, she agreed to send me a response provided I write an email to her requesting for the letter. I will do it soon.

I then next set my sights on the Joint Property Management  Board of Avenue Crest.  I spoke to Siti and could also see some light at the end of the tunnel.  I must pay the arrears in terms of the management fees, sink fund and water.. They also will entertain  a waiver of the interest they have been levying against me. I should be able to resolve this in time.

As for my credit card bills, it will be slowly paid up too in time. They do not concern me too much.

I think I can see better days before me with shoulders less yoked by debts and uncertainties.

Thank God. Praise the Lord!