OCBC are blood suckers.

When you have been cheated and push to the wall, the last thing you want to see is your salvage solution been obstructed by the less likely party.

Ladies and gentleman, due to my folly...I have actually, with my name, brought a vehicle last year November for a guy I call Mr Lim. He was suppose to rent out my vehicle, service the monthly instalments and give me certain amount of interest every month. Sadly, Mr Lim seems to be a CHEAT and defaulted the instalments for many months. Although he assured me that he will clear the outstanding instalments soon, it was not done at all. I knew I was in trouble but I seriously could not have done anything at all as I am trap BETWEEN THE DEVIL AND THE DEEP BLUE SEA. If I take back the car, I will not be able to pay the instalments of 680++ a month. If I allow him to carry on renting out the car, I am not sure if he will clear the instalment at all. Eventually I prayed to god hoping everything will go on smoothly and trusted him one more time.

2 months ago, I recieve a Statuory Demand letter from OCBC telling me the settle the full amount of the loan (S$65K) or face a Bankruptcy Petition against me. That moment I really woke up! The instalments was not pay at all!!! For 9 straight months!! Have to take action before its too late to save my own ass. Manage to get the car back and send it back to the finance company. After estimation of the car value by the bank, it came out to be a miserable sum of 30K only! Which means I still have a liability of 35K to clear base of the figures OCBC gave me. I hire a friend of mine to source for buyers to buy the vehicle at a higher price from OCBC since in the LAW I have the rights within 14 days to find someone who can offer to pay higher price than what OCBC gave. Found one dealer willing to take in the car at S$41K and call and wrote to OCBC immediately for approval.... thats when things start to get really really messy.

OCBC agreed to allow the vehicle to be sold at 41K which will reduce my liability to just 24K but on condition that I fork out half of whatever outstanding amount at the point of transaction which is 12K. Otherwise it was a NO NO to sell the car. I have earlier thought that everything will be smooth going when dealing with OCBC but NOT AT ALL! Right now, I have the oppurtunity to reduce my liability and this was the F***king reply the bank gave me. They should have logically knew that by allow the sales of the car at 41K, it will help me a lot in term of liability but instead OCBC reach into their bag of tricks and firmly want 12k from me or else there is no deal at all. Which means they will, by themselve auction the vehicle in the future without my inteference. Auction, as learn from certain experts in the field, will yield a very low value from the car...lower than 41K.

Now I just don't understand what is in their mind right now to stop me from selling car at the moment. Its not as though I am not going to pay the outstanding amount since I still have a stable job and a substantial sum in my savings. I think the bank just want to see some money. They would rather reject me and sell the vehicle at a auction than allowing my buyers to purchase the car. This is totally ridiculous. OCBC is really the last party that I will expect to push me to the walls. My letter to them (which I will reveal next time) have stated that I was been cheated and stuff like that and I am suffering from depression and have to seek consultancy. It was really well wrote with the help of a friend but it does not seems to earn any sympathy from them.

In the end, they counter offered me with their own buyer who is willing to buy the car at S$42K but still required me to come out with a reduce amount of 10K to get the deal through. I have since contacted the new buyer (A women) but luckily for me she is a close acquintance with OCBC and oblivious to the fact that 10K need to be paid on the spot to close the deal. I will be signing document to authorise her to buy the car at 42K but will not be forking out the 10K on that day. I am just betting on the fact that OCBC will not turn down her transaction due to the close relationship they both have.

Anthony is the name I hate very much now as he is the point of contact at OCBC. I called him almost everyday for the past 3 days. I suspect he is trying to get a raw deal out of me with his negotiation skills over the phone.... No wonder OCBC logo is in red....blood...suckers...

My condolences to the victims' Family for the lost of their sons and daughters, husband and wife in this tragic natural disaster. 

Reply to my concern friends

If i could not pay them the monthly installments to settle the outstanding amount, they will start to proceed with a bankruptcy sue and THAT won't be a clean record anymore for a civil servant. I have seen it happen to someone very close to me and I don't want that to happen to me. And do you know how it feel, after forking out S$12,000 of savings to pay for nothing? You can't feel what I feel now. YES, its just money lost and I tell myself I will earn them all back one day as long as I have a job (if I still have the job).

I have not lost my character yet. Don't worry. In fact whatever I am going to do now, this small business, does not bring harm to anyone at all. Its a market supply and demand thing. However I will consider not doing it at all if I am still able to survive paying the month debts with my pay, which should put me through hardship for the next 2~3 years. At the moment, just have to do something to relieve a bit of pressure. Don't you think so?

I am just glad I am still alive and talking right now...

A small little business

Hi guys,

As all of you might be aware. I got into some serious trouble previously which leave me pretty much a poor man right now. To tell you the truth, I have some bank debts to clear due to my folly and mistake and due to some "Xiao Ren" who stab me hard on the back. Currently doing a small business to complement my main salary so as to help me through this difficult stage of life and I need your support for it by letting your friends know about the service I provide.

Currently selling "Friendly XBox, PS2 and PC games and software. Providing free delivery. Payment strictly to be made by bank transfer and strictly no meet up (unless I know you well) for "obvious reasons". Goods will be send to your mailing address. Send your orders to my e-mail at majmoron@yahoo.com

Rates are as follows:-

S$7.00 : PC Software/Games/MP3
S$10.00 : PC-DVD
S$7.00 : PS2 Games
S$8.00 : X-Box Games

Thank you brothers and sisters for your support. Help me through this tough period of time.

2 more days to Christmas Eve!

The more I grew up, the more boring christmas have become. I still remember vividly last Christmas eve I was alone at home, playing video game and taking a lot of junk food in front of the TV.

Someone called me up to join their Christmas eve party this year but I seems reluctant to go. I seems to lost that much of a sociable characteristic due to too much time spending alone shopping, going for movie blar blar blar. Somehow I start to like to be alone most of the time doing my own stuff at my own timing. Ah...pretty dangerous I realise if I cut myself off from the outside world completely.

Anyway enough of all this mumbling. I am planning to don a Rudolph the Red Nose reindeer suit or a Santa Claus suit and just walk around Orchard Road and my neighbourhood area. I wonder if that will bring any trouble to me from the law....

To write or not to write

You know what, I am contemplating whether to tell you guys what the hell have been happening to me. The problem that I have hinted in few of my previous blog. It really brings back pain to share with you guys the grave mistake or decision I have made that have change my life for better or worse. Right now, the consequence of my poor decision and stupidity have been resolve but I am not entirely clear. I am in a pretty comfortable position at the moment but not for too long. Anyway, cut the long story short, i won't tell you guys what happen to me but I will share with you all the lesson I have learnt, painfully.

1- Never trust anyone easily. He might put on a good show in front of you to unwittly gain your trust in him. Once you are on the hook, he pulls the line and there will be no escape.

2- Don't sign on the dotted line without taking a day or two thinking through especially when it involve money.

3- Sometime your parents intuition are right, don't be stubborn

4- "Tan Xiao Pian Yi", greed kills.

5- Heard of the story of the frog who stay in the vase althought its already boiling? When you are uncomfortable about the situation, voice out and take action, don't let others influence you and tell you everything is ok. Its better to get out of trouble earlier than later.

Thats all I like to share. I am just a honest guy trying to live a honest life and somehow, some bad guys just took advantage of me. Sooner or later, everyone will get cheated once or twice....I guess this is part and parcel of life as a growing adult.

RELIEVED

Relieved from danger at the moment but poorer by 500 dollars.... thank god.

Lifes Ups and Downs

Just look at my blog! It haven't been updated for so long. Well, I am in a period of headache and slight depression for the pass week trying to solve a personnal problem of mine which I will share with you guys in the future. Life is truly full of Ups and Downs and right now, for the next weeks onwards I guess I am in the first time of my life at my Worst DOWNs.

Not going to ponder into details at the moment but this problem I am facing having been staring at my face for the pass 1 year and I have been ignoranant enough to sit there and wait for things to happen. Untill just recently I suddenly woke up my idea and begin taking action although the problem is like a 3rd stage cancer already (4th stage is the final stage). You know, I have not been working well cause everyday my mind is thinking about what have happen and what to do...my mind sometime is really damn disturbing, its like it have a mind of its own, a mind within a mind, trying to affect my life and work. People say, don't bring social problem to work vice versa but the problem is of such magnitude that it literally pour into my worklife.

I have been too naive, too unassertive and maybe too timid in the pass when many chances might have present itself for me to step in and put an end to this chain reaction. I have made an Oath to, right now, to case close this situation once and for all by wednesday and YES, i will not let that guy be in his comfort zone pretending everything is over. Just an advice to you all: The World Out there is very cruel, lots of big fish wanting to eat the small fish. I am the small fish which have its fins bitten....I'm not gonna get eaten.

Ice cream uncle at Orchard Rd 

Heartless government and the ice cream man

For many of us, the sight of old uncle selling ice cream along orchard road is nothing unfamiliar with. Along the stretch of Orchard Road from Somerset MRT station all the way up to Orchard station, along the walk way outside paragon and lucky plaza, one will spot 2-3 legitimate ice cream sellers along the way. This uncle have applied the license to sell, the proper tools of trade and most of all, as I observe, the pay good attention to hygiene. In short, they are all honest man trying to eke out a leaving selling ice-cream in bread and wafer (those popular kind if you remember).

I decided to take a candid picture of this ice cream uncle and to my surprise, he actually pose for the shot! Well the picture is above and boy does he look glad to have his picture taken. Hmm...maybe he mistaken me for a tourist. As a gesture of goodwill, I brought a wafer biscuit ice-cream from him, it is a rectangular block of ice cream place inbetween two wafer biscuits in case you don't know. Use to be selling for 50cents few years ago but have since been jack up to $1.

Found a good place to sit to observe how well his business is doing. As his mobile stall located at a really busy walk way, business was exceptionally good! Every half a min or so, as long as a crowd is walking pass, he will be able to sell to 3 or 4 customer. Wow, good business I thoughts, just standing there scooping ice cream and its legal some more! In the next few minutes, reality sets in. A group of man in approach ice-cream uncle and demand him to show them his vendor license, after looking through it, they ask for his I/C. The uncle is still busy doing his business thus I thought it was just a routine check to catch illegal vendor by this group of man, believe to be officer from a government agency. The next thing that happen really really set me back and realise how HEARTLESS our fucking government is. One of the man from the group step in front of the stall and tell ALL THE CUSTOMER TO GO AWAY saying the stall is no longer selling ice-cream. I can see the face of ice-creanm uncle becoming very depress. Man! What the hell happen? He is legally at work, whats wrong.

With his customers chased away, Uncle could do nothing but just pack up and call it a day. This bunch of government dogs later gave him a summon which looks like $150. Apparently uncle was fined for selling ice cream outside his stipulated location. All the while Uncle was kowtowing to them and saying thank you and sorry. THANK YOU FOR THE FINES???? Thats ridiculous.... I was mad, and I was staring at on of them, the younger one. I guess the young chap was feeling a bit guilty of what he did and just look away.

I don't understand whats wrong with selling ice cream at that area, uncle is not obstructing traffic, uncle is not obstructing the pedestrian, uncle is not a terrorist and in all his is legally at work, making people happy and cool with tasty ice-cream. A group of heartless man just spoilt his day. I am really saddden by what I saw, a 50 years old uncle, who might not have any children to take care of him, who might have a sick wife at home thus he is trying hard to earn a living and suddenly a bunch of man just drop by and like gangsters ask for a "FINE" (like protection money ) and chase him away. On one hand, the government is promoting entrepeuners and on the other hands they are setting all sorts of restrictions. What kind of business and society spirits can it breed with such things happening around?

To those "DOGS" I saw that day, you can take that $150 fines and shaft it up your ass and yes, please carry on to carry the balls of your superior and send more misery to the common folks!

Singapore Idol

LOOK LOOK!!! Its all in the news today!!! Who will win and become tonights Singapore Idol and help our local record industry to earn a million from all the fanatic fans of Taufik and Sly? Yes, the months of audition to the live performance to the Spectacular to the Final have all helped create a huge following for both the idol finalist. The Record industry is the winner no matter if Taufik wins or Sly survive with the votes from his cult cultured fans. The money snowball, for all we know, have been rolling and rolling ever since the auditon have started despite whatever people say that Singapore Idol "cannot make it". Trust the Singapore unique capability to capitalise, you should be finding an Singapore Idol compilation CD out in the market after tonights TV adventure and off course our very own winner (TAUFIK?) first ever singles at your friendly music store island wide.

Yes, with 4.7 million resident in Singapore, I reckon half of this crowd will be an Idol fanatic who have been glueing themselve to the show for the past few months. This same people will be the one Q-ing for the release album at HMV in the next few days. And thanks to them, as jack neo mention in his movie, make themself the fortune god of whatever record company fortunate enough to be the sole producer for the "Singapore Idol" related album.

ITS A PLOT!!! Since the beginning by the record industry! Go on and build the Hype, hire a few make believe fans to slowing start a fan group for every finalist, splash the news paper every now and than with the Singapore Idol news, start an official web page and forum....blar blar blar.... the SMS voting, the call in voting, the entrance fee to the show and now finally, "THE FINAL SOLUTION" - Get them to buy the album and hope our new born star substain himself..... I call it the best marketing strategy of the 21st century.

Well don't get the wrong ideal that I hate the whole issue about the Singapore Idol...just want to express my view of how this is such a new business ideal or should I say a FRANCHISE that first started from American Idol. A company with good insight should know how to ride on the Singapore Idol wave to earn a good money here and there. Anyway, hope TAUFIK BATISAH win cause he come across to me with a trustworthy, comfortable look and he sound damn good! Really different. As for Sly? Come on, have any of you went for Karaoke before?