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Monday, March 14, 2016

PTPTN story


Assalammualaikum and hai,

Just recover from sore throat and flu, after almost 9 months free from any sickness which is a very good record to me. Hihi..by the way a  few weeks before, i've planned some wonderful trip to Krabi. Actually it was Krabi, but due to BLACKLIST PTPTN, i changed it to Sabah. YES...IT IS PTPTN, memang sangat-sangat tak bagus untuk seseorang yang bekerja sebagai pensyarah seperti aku. Why blacklisted?, because i've paid the PTPTN on-off-on-off for the past 6 years. So padan muka.

Back to the trip story, i've planned the trip with my friend actually, kiranya ni ladies trip lah, no babies, no husband. Plan A was Krabi and Plan B was Sabah.So we proceed with Sabah since it is just local. One day, i've felt uneasy about going sabah, and surprise when a few people talk, it would be blacklisted for those going to Sabah&Sarawak. Logically, it should be okay to Sabah/Sarawak since there is no passport-thingy at the airport. I've asked PTPTN and yes it's true that they will block for those go to Sabah&Sarawak, but at the same time i heard one of my friend lepas je ke Sabah haritu.Tapi lebih afdal la kita settlekan sebab later or in future mestilah teringin nak travel oversea.

So one day, i went to PTPTN branch Nilai, but before that i advise you to do the study first..google everything about this blacklist, how to clear, documents required and the process, it will help you a lot. By the time i went to the branch and discuss with the officer, it become easy and fast sebab kita dah faham process nya, and document2 penting pun kita dah ready kan awal2. Pengalaman orang berbeza-beza, and me, i was offered to settle the outstanding at the lowest of 25%. Tunggakan tu dalam rm11 ribu plus2, so letaklah rm12 ribu genap. So i choose to pay 50%, which is rm6000 to be deducted from my Akaun 2 KWSP. At KWSP, they just do it fastly, urusan kat kaunter sangat pantas, it just that from the KWSP to transfer the money to PTPTN itu yang lama tu.Just imagine i have three days (working days) only before fly to Sabah. Kusut babe fikiran aku, baru kau tahu..haha. But don't worry, the PTPTN officer will help you sebab kita memang dah bayar tunggakan tu, bukan setakat negotiate itu ini semata-mata. He said that, tunggu next week kalau nama puan belum clear, nanti contact saya lagi. Jangan risau puan, kita boleh clearkan dalam masa satu hari. So i trust him, masa tu hari Jumaat, and my friend already booked the flight ticket as well as the hotel.


On the next weeknya, i got two days training at KL, mana ada masa nak call the officer. First day, isnin was too busy and tired, so i just have chance to make phone call on Tuesday. Before that, i checked my name in the system, masih lagi blacklist and duit from akaun 2 KWSP pun belum ditolak. Only two days left.So during the lunch time, i called him and said that my flight is on Thursday, and he asked to whatsapp some pictures of documents, and asked me to come to office on Wednesday together with setem hasil. On wednesday, around 10 am datang ke PTPTN, i've signed some agrements, untuk penstrukturan semula bayaran . Once signed & matikan setem hasil, he send something to immigration department, saying that i need to travel to oversea urgently. Katanya, dah macam-macam kes diorang (PTPTN) handle, ada yang last minit, ada yang kena tahan kat airport & patah balik ke pejabat PTPTN. Macam-macam hal. After spend about 30 minutes at PTPTN, the officer said that, okay puan, saya dah hantar ke immigration, so petang ni dah boleh clear, nanti saya call puan balik. At that time, i feel like, yeke ni..what if my name still not clear..nervous habis, gamble habis aku pergi KK ni. But Alhamdulillah, around pukul 1 pm, i received a phone call from the officer saying that my name already clear, within 3 hours. Syukur Alhamdulillah, and he remind me also, jangan lupa ya puan bayar according to the agreement, if not nanti kena blacklist lagi. Thanks a lot En.Amirul, PTPTN cawangan Nilai, after this they will deduct directly from my salary.

Just for your future reference, here i listed down the documents required for the whole process

 -Beberapa borang PTPTN (isi semasa di PTPTN)
-Surat perjanjian PTPTN untuk rujuk ke KWSP (printed at PTPTN untuk diserah ke KWSP)
-Transkrip & scroll ijazah (original & copy untuk diserah ke KWSP )
-Setem hasil 2 keping (Untuk agreement penstrukturan semula bayaran)

*Some process, required slip gaji & surat rayuan but in my case none of them.

Glad that i can travel as usual. At this writing this entry, saya dah pun selamat pulang bercuti dari Sabah.Next entry will be my Sabah's story. For some people, mungkin lain pengalamannya berurusan dengan PTPTN. It can be good or  bad experience. Just bear in mind, apa yang kita dapat adalah cerminan diri kita. Bila kita dah berjanji meminjam bagai, kena lah bayar. Okay then, Bye!

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