PETALING JAYA: When Rani (not her real name) saw that her hair was thinning out because of a medical condition, she turned to a hair loss treatment centre for help.

Little did she know that after a year of treatment, she would end up with a RM36,000 bill.

“The consultants tried aggressively to convince me to commit to their package and charged me RM12,000 when I first signed up,” said the health practitioner, who is in her 40s.

However, she had to fork out more money than expected when the consultants scared her into buying additional packages.

“During my weekly appointments, they would use a scanner to take a picture of my scalp and point out patches supposedly caused by fungal infection,” she said.

“They said it would worsen if I did not take a certain product.”

Pentingnya Mengapa Kita Perlu Menyimpan Bil bil Lama.

Pusat Khidmat Aduan Pengguna Nasional (NCCC) kebelakangan ini telah menerima banyak aduan mengenai bayaran yang tidak dijelaskan, tertunggak dan juga bayaran yang tidak sepatutnya dikenakan. Oleh itu, adalah menjadi tanggungjawab kita sebagai pengguna untuk menyimpan bil bil lama untuk semakan semula sekiranya timbul keraguan.

Salah satu kes yang telah diterima oleh NCCC adalah caj insuran kebakaran yang telah dikenakan oleh sebuah bank terhadap pengguna tersebut. Beliau telah dikenakan bayaran yang berlebihan. Kebetulan pelanggan tersebut ada menyimpan segala bil dan dokumen perumahannya dalam satu fail. Pengguna yang mengemukakan aduan ini menunjukkan bil bil yang menunjukkan bukti insuran yang telah dibayar sejak mula beliau membuat perjanjian jual beli.

Pihak NCCC telah menghubungi pihak bank tersebut dengan bukti bukti yang diberikan untuk mendapat penjelasan. Pihak bank telah menerima aduan pihak NCCC mengenai pengguna terbabit dan seterusnya telah berjumpa dengan pengguna tersebut dan telah berjaya menyelesaikan masalahnya.

Nasihat NCCC kepada para pengguna supaya membuat salinan fotostat khasnya bila membayar melalui kad kredit. Ini adalah kerana cetakan pada bil yang dikeluarkan akan menjadi pudar dan hilang. Ini akan menimbulkan kemusykilan sekiranya ingin membawa kes aduan dengan menggunakan bil yang sudah pudar. Kad kad jaminan (warranty cards) juga juga harus disimpan selama tempoh diberi jaminan walaupun kini penjual hanya meminta nombor telefon atau nombor kad pengenalan. Adalah menjadi tanggungjawab seorang pengguna untuk menyimpan dokumen dokumen dan bil bil yang penting.

Pusat Khidmat Aduan Pengguna Nasional (NCCC)

‘KE ARAH MENGWUJUDKAN PENGGUNA YANG BERWIBAWA’

GEORGE TOWN: A famous nasi kandar shop along the heritage enclave in Jalan Masjid Kapitan Keling was shut down by Penang Island City Council (MBPP) after rats and cockroach droppings were found in the premises.

The outlet, which always has a long queue at night, was shut down by MBPP on Wednesday (Jan 8) around 8pm during an inspection on food outlets in George Town.

PURCHASE A PROPERTY – GUIDANCE AND ADVICE

Be it for first timers or second timers, buying a property can be a daunting experience. For those who are unsure, here are some important things you should know when you are buying a house.

DOWNPAYMENT

Usually fixed at a minimum of 10% and how much the bank is willing to loan the purchaser, the down payment may be vary.

SALES AND PURCHASE AGREEMENT

The S&P document is the most important document that the property buyer will have, as the SPA is the main contract governing both parties and setting out the details like the agreed purchase price, conditioning precedents to be fulfilled, the payment manner, the details of the property, loan, the manner of delivery of vacant possession and any other arrangement in this buy-sell event. Therefore, it is utmost important to understand every detail in the SPA because you are bound by whatever you sign.

The common process is accepting 2 to 3% as a booking fee upon signing the Letter of Offer, the remaining 10% deposit is due during the signing of the SPA, then the remaining purchase price of 90% to be settled within 3 months after signing the SPA. In some events, it may be automatically extended for a further 1 month by incurring late payment interest. As mentioned, there is no standard SPA, one may decide to deviate from the norm if it is agreed by both parties.

The Sale and Purchase Agreement has to be stamped at the Stamp Office in order to become a valid document. It is, however, not until the examination of the property by the valuation department, the payment of the Stamp Duty at the Stamp Office, and the registration at the Land Office Registry, that the title deeds are transferred to the buyers name.

LETTER | Adam (not his real name) had recently subscribed to a telecommunications (telco) postpaid plan. He was motivated to subscribe to that particular plan because he was given the assurance that he will get a certain network speed coverage that he needs.

However, to his dismay, the coverage was not up to his expectation and he feels dissatisfied paying extra while he only gets low-quality service. To make matters worse, he finds that switching and finding the right network provider is not as easy as it looks.

Have you shared a similar fate as Adam?

Recently, the Communications and Multimedia Ministry pledged to improve pricing and speed of broadband services for Malaysian consumers. While this is highly applauded by NCCC, the welfare of telco consumers must be given the same attention by the ministry.

Satu jaminan yang dikeluarkan / diberikan oleh pengeluar / syarikat kepada pembeli untuk memperbaiki atau menggantikan barangan yang rosak atau cacat dalam tempoh yang ditetapkan tanpa sebarang caj dikenakan kepada pembeli .

Berdasarkan aduan yang dikemukakan, standard kualiti yang dikenakan ke atas barang yang dibekalkan oleh pembekal, seksyen 32 Akta Perlindungan Pengguna memperuntukkan bahawa barang yang dibekalkan kepada pengguna mempunyai gerenti tersirat bahawa barang itu adalah daripada kualiti yang boleh terima dan selamat untuk digunakan.