Paying for someone else’s loan

Helping hands: Lydiyani (second from left) and her brother Raja Azam (second from right) with Theng (centre), bureau deputy chief Kelvin Chong (left) and bureau legal adviser Datuk C.K. Lim (right) after seeking assistance with their case.

RAJA Nor Lydiyani Raja Halid Shah, 29, received the shock of her life when she discovered that RM361 had been deducted from her monthly salary to pay for a co-operative loan she did not take.

Lydiyani also discovered someone had used her name to take another loan from a local bank.

Working as an audio-visual editor at Tourism Malaysia, she had previously taken out a loan with Kowaja Bhd (Koperasi Wawasan Pekerja-Pekerja) for RM10,000 on March 6, 2008, with a 10% interest rate and a monthly repayment scheme of RM361.11 for 36 months.

She added that the agreement was for her salary to be deducted to pay for the loan which was settled by March 2011.

However, Lydiyani found that she still owed the co-operative much more than the original loan she took.

"At first I did not suspect anything when I got the statement last year. It was my first time taking a loan of any sort. I thought it was just the accumulated interest on the loan at first.

"Last week, I went back to Kowaja's office to straighten things out. I was shocked to discover there was a second loan under my name for RM17,487.15 which was made on June 20 last year," she said.

The second loan entailed continuing the RM361.11 monthly deduction for 151 months.

Meanwhile, Lydiyani and her brother Raja Azam, 24, found another fraudulent loan of RM17,000 from a local bank after checking her credit status at Bank Negara.

"Strangely, someone has been making monthly payments on a consistent basis," she explained.

Aside from lodging a report with the Petaling Jaya police station, the siblings also sought assistance from the Selangor MCA Public Complaints Bureau.

Bureau chief Datuk Theng Book said based on Lydiyani's complaint, it was possible that the case had insider involvement and there was also a possibility of the victims' loan forms being "recycled" to apply for new loans.

"Those who face similar problems as Lydiyani, can contact the bureau at 03-7957 4211 so that we can assist them in resolving their problems," said Theng.

-The Star-

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