I feel my case is similar to you. My card was also switched. Which Department do you contact?

thus, after these experience, I work on a mobile directory site to contain all these emergency numbers. You can found most of the credit card / ATM report lost hotline.

This site is known as http://www.mobileyp.tel which I keep the design to the minimal for fastest mobile surfing and build in click2call function that allow you to immediate make that call from your mobile phone. No need to remember and call. Thus, please help to spread this site to your friends so that in future, they know where to search for critically important numbers.

Thank you. Please like in facebook so that more people are make aware of this community site i am building Thank you

Mobileyp.tel

congratulations to u too !

just to summarisez what i did for the past two year…
1. appeal to cimb
2.appeal to abm and fmb was appointed
3.appeal to abm
4.appeal to media (malay mail)

can i have ABM phone and what is the procedure doing that ?
did you pay anything to CIMB before that ?Did CIMB revert back the interest ? it seem your case never ending for almost 2 years. you appeal many many time with who ? bank ? FMB ????
this morning i call again FMB…they just ask me wait again.

I think this is the last action tat i can act on after ABM, anyone can advise me where can i appeal to???

Thanks again.For me same as you. already cancel many credit card but now i only using 1 credit card for emergecy cases.I also told my friend not to using it especially this Citi Bank. when i at FMB, i did bring up many points:
(1) Why exceed limit still can proceed
(2) Why transaction with huge amount, nobody call me to confirm
(3) Bank Negara clause 13.2
But they answer just like this…..system accept with certain percentage even over limit….my case over limit 5K still can accept..but FMB already mention this overlimit i no need to pay.for no calling for confirmation , they answer is at midnite, they dont want to disturb customer. This kind of reason can not accept.
so i really hope my case can settle asap cause the interest is keep calculate and i think i cannt affort to pay it lah….every time my mind keep think about it and sometime can not sleep also.

when i read your story, u got a very strong case to fight back coz u said it’s already exceeding your credit limit. ask citibank what have happened to their system and incident like that shouldn’t happen. let bank negara know abt this. complain to bank negara saying that citibank want to blacklist u n also the minimum charges they want to charge u.

from what i know, cases like us when deal or involve with fmb and bank can drag for years. so be prepare especially mentally. and be careful with what u say at fmb coz citibank will job down every word u say or promise. think wisely b4 u speak out.

it’s just like a nightmare when comes to the statement day coz got to call the bank again to remind them to reverse charges and etc. follow up with your letter.

if can or no choice already(for me is last choice coz got to pay lawyer fee) seek for the lawyer that had won the case vijaya kumar.
can go to mca for michael chong appear in the press so that to put pressure to bank abt your case.(though for my opinion it doesn’t help much. at least better than nothing to do) or pkr also can look for their advice. so depends which side u more like it.

so good luck to u sam.

as for me now, i dun carry any credit card with me. i will buy things using cash rather than card coz now i’m not fancy abt the points collected or promotion given by bank.

last time when not yet lost my cards, i thought can be “how lian’(hokkien speaking) carrying gold or platinum cards.nowaday, i advice my friend to cancel all the credit card if u really dun need one. it’s just like carrying a burden with us. reduce the credit limit or if can go for classic rather than gold or platinum so that u won’t feel so hurt when u lost your card.

coz the police inspector also do not dare to carry credit card as they have seem too many cases like us.

so good luck all the ppl and hope that ppl with successful case can share more in this forum.

Really appeciate you.i will call them tomorrow.
I really hope my case can settle as soon as possible. already delay for 6 months already.

u can contact them seek from their advice.if can write email to contact them telling them your case.

will talk to u later coz now going out for a while ok.

my cases is all the transaction using at pub and do not have cctv.my card beeing stolen at 11pm and i reported to bank to stop my card at around 3am.1st i did ask them whether any transaction being proceed, at that time they said no, but the following day i did ask again and the transaction is being proceed already. when i went to FMB together with citi bank, i did mention the bank negara clause 13.2 but they reply me saying that it is base on some condition also.
should i go to citi bank talk to them ?i am sure they will reply me ask me refer to FMB.
If i bought this case to high court , the lawyer fee who should pay ?

as for my case, all the transaction using at the pub and do not have cctv.
my card been stolen at 11pm nite and i reported to bank to stop my card at 3am.do you think i should go to citi bank and talk to them ?but citi already pass my case to FMB….really do not know what to do! when i went to FMB together with citi bank…i even mention this bank negara clause 13.2 to FMB and Citi. But Citi bank just said it is base on some condition.If i pass this case to high court, the lawyer fees who should pay ???

thanks for your info.my cases is different from you. i already went to FMB sit face to face with citi bank also.FMB listen both me and citi bank….but citi bank just dont want to have further discuss and want me pay 100%.Now my case is under FMB only. Citi bank already pass over my case to FMB. As for police, they also stop investigate. I already do not know what should do….and just need wait FMB decision.I call them and every time the answer is please wait .
Citi bank keep calling me and said if i not pay minimum amount for few month and my name will be black listed.

actually my citibank involve is 12k+ within this 2 months citibank never give me a call but they just sent me the letter saying they will reverse all the dispute amt and i just need to pay the minimum liability of RM250. i’m very suprised too. i guess they have lost their court case and scared that if we brought up this case to highcourt again.but i did report my case to bank negara letting bank negara to do their job.
i myself went to the place that my cards were used and i looked for evidence as much as i can to prove that i’m a victim and i didn’t use my card at that place. searh for the place that got cctv and ask the shop to burn u 1 cd of it. of course u need to prepare letter and police report to show the shop that u are the cardholder somebody else had used your card. b4 doing all this, it is better to let your police inspector to know what is your action too. and let the police inspector know what are u doing (provided u have the time to investigate yourself too coz the police got too many cases to follow up and i dun think our case got their priority). all this u got to do it fast coz some place the cctv doesn’t keep the record for a long period.collect the signature signed at the receipt and if can have a fast snap shot of the signature as a evidence of your record.
it is good to know that who is the investigator of citibank and call them for the progress or any evidence that u have collected.coz the bank itself they also want to dig out the person that used the card.
or talk to the bank investigator saying that u know they had lost their court case and we as a victim has no responsibility to bear all the dispute charges coz we are protected by bank negara of the clause 13.2
if they just want u to bear all the amt charged then my advice to u is drag their time. call them every month when u receive bank statement and ask them to reverse the interest charge coz all the amt is still under dispute and investigation. and go to bank negara to report your case to bank negara. bank negara will do their job too.let citibank know that u will report your case to bank negara and ask them to wait for bank negara letter.let citibank explain everything to bank negara.remember dun even need to pay the min amt to the bank. as u know, once we pay mean we lose already and the money very very hard to claim back.

and most recently, one of the bank has lost their case in high court ending up paying RM 500,000 to highcourt coz they ignore the clause given by the bank negara. the high court says that if paying continue charge us as a victim because of card lost, high court will continue to fine the bank RM 500.000 for each case brought to the court. this is the first court case of credit card lost brought to the high court. so us as a victim only liable for RM 250 max.

all the above mention abt the high court case was what i read in the newspaper.

so ppl, dun pay a cent to bank till u fight your case until the bank issue u the letter saying that u are liable for RM 250. that’s what my advice to u ppl. coz i promise myself that if my own case solve, i will bring up this topic to ppl to let everybody knows our own right.