Bank's Matter

Today is Friday 11th of May 2007. Almost the whole day today I am dealing with banks. I have no plan before to deal with many banks today. It happen with last night plan. Why I am making last minute plan? Yesterday, after go home from work around 6.00 pm, I receive a call from RHB bank to mention that my 2nd OD already approved and I need to go there to sign an agreement, to open another current acount and other documents. I make appointment with them after Friday prayer. I plan to take a short time during lunch time after Friday prayer to go there.

Last night, after dinner and my daughter already sleep, as usual I make trading Forex online. During midnight, there are no forex trend or forex trend not so nice. I off PC and check documents related to the financial planning project which is the documents not manage well. I am startled after saw the OCBC power credit account statement. The payment due date is on 11th May that means today. I already saw the statement before but I thought due date is on 11th June. After check other documents BSN personal loan already over due (due date on 7th), HLB home loan also due today. If OCBC power credit I cannot settle today, there are interest charge and also late charge. If do not make payment late charge is RM90 (1% of RM9,000).

After go through all the document, I must settle all OCBC, HLB and BSN payment. After consider all these and also RHB bank for OD, I decide take leave. May be no need for me to take leave if I plan well before. My plan to do today are as below,
1) go to HLB Shah Alam to make payment of housing loan (cheque deposit machine)
2) go to OCBC at puchong to make payment. Total need to pay is RM9008.28.
cash RM500 and cheque RM8508.28. Use cash because I am afraid cheque can not clear by
today to avoid late payment.
3) go to HSBC puchong to make refinance home loan
4) go to BSN Shah Alam to make payment of home loan
5) go to RHB bank at Giant Shah Alam to sign agreement of OD
6) go to Telekom to settle telephone and internet bill
7) go to EPF to ask status of withdrawal application which is made on 2nd April
8) go to MBSA to pay "cukai pintu" - help landlord

All are as per plan except item no (8). I arrive at MBSA around 4.30pm. Door already lock and their inform close already and ask to come next week.

At Puchong untill 12.45. At HSBC it take around 1 and half hour. Its take long time because of waiting officer incharge is still with other client. During discussion about refinance, I inform him that if loan approved, I need to wait EPF withdrawal 1st to give to HLB. I mention to him that I already apply for EPF withdrawal to reduce homeloan since 2nd April, and EPF officer inform it take about 2 months to settle. Bank officer told me that normally for EPF withdrawal it take ablut 21 days only and ask me why so long. I have plan to go to EPF today and will ask about it. HSBC bank officer inform that for processing of refinance it take about 4 to 5 days. He also will check the market value of my apartment.

I arrive at EPF department around 4.00 pm. I ask the EPF officer about the status of my application. After she check inside her PC, she inform me to go inside to take cheque. My application already approved on 19 April. Today 11th May. That means its already long time my application already approved but I don't know. What OCBC bank officer inform me is correct because its less than 3 weeks. I took my cheque. Its more than RM51K. I have no time today to go to HLB Klang branch to submit EPF cheque. If I know EPF already approved quite long time ago, I can settle this matter early.

OD - limit RM32,300. Yesterday I check more than RM9K already used. Today I make RM8508.28 for OCBC, RM635 for HLB and RM442 for BSN. That mean already more than RM18K already used. Today receive statement from Citibank. Bill is about RM11K. Need to pay before due date on 27th May. If this amount also I use 1st OD, my OD almost full utilized.

How to pay back OD already used???? Next week I will call Kak Lin to make appointment with Mr Aziz. Need to meet him as soon as possible.

Tomorrow I will go to Klang with my collegue, mr. Yusof Salleh to see Toyota Wish. Base on OD balance and how to pay it, actually I am worried to buy it, but I believe that Mr Aziz have the solution.