Jiktana

the destiny: THE ESCAPE 2

2011-07-20T23:43:00.000-07:00

the destiny: THE ESCAPE 2: "The Hideout Musa struggled for his life, for his survival. He did not want to die at the age of 16. He wanted to do many things in his li..."

the destiny: THE ESCAPE 1

2011-07-20T00:26:00.000-07:00

the destiny: THE ESCAPE 1: "Young MUSA The name was MUSA BIN ABDULLAH . A male 16 years old Bugis boy from unknown family of a fishermen's village in isolated part o..."

kampungku, kuala ibai: automotive - cars of my lifetime: FIFTH CAR - BMW 525iA

2011-05-10T00:43:00.000-07:00

kampungku, kuala ibai: automotive - cars of my lifetime: FIFTH CAR - BMW 525iA

WORLD DISASTERS: TSUNAMI - Part 5

2011-05-08T08:46:00.000-07:00

WORLD DISASTERS: TSUNAMI - Part 5: "Warnings and Predictions See also: Tsunami warning system Tsunami warning sign One of the deep water buoys used in the DART t..."

WORLD DISASTERS: TSUNAMI -Part 4

2011-05-08T08:43:00.000-07:00

WORLD DISASTERS: TSUNAMI -Part 4

kampungku, kuala ibai: Candat Sotong

2011-05-08T02:48:00.000-07:00

kampungku, kuala ibai: Candat Sotong: "our pride...ketupat sotong, you'll never forget about its taste...forever Perfect Location For Candat Sotong? Some people have to loca..."

WORLD DISASTERS: TSUNAMI - Part 3

2011-05-07T21:06:00.000-07:00

WORLD DISASTERS: TSUNAMI - Part 3

WORLD DISASTERS: TSUNAMI - Part 2

2011-05-07T21:04:00.000-07:00

WORLD DISASTERS: TSUNAMI - Part 2

WORLD DISASTERS: TSUNAMI - Part 1

2011-05-07T21:00:00.000-07:00

WORLD DISASTERS: TSUNAMI - Part 1

cars of my lifetime: NISSAN PULSAR

2011-05-07T07:29:00.000-07:00

cars of my lifetime: NISSAN PULSAR

cars of my lifetime: NISSAN LANGLEY

2011-05-07T01:40:00.000-07:00

cars of my lifetime: NISSAN LANGLEY

cars of my lifetime: NISSAN CARS - Langley - Part 1

2011-05-07T01:39:00.000-07:00

cars of my lifetime: NISSAN CARS - Langley - Part 1

Rights of Hirer Under Hire Purchase in Malaysia - Part 3

2011-05-02T08:29:00.000-07:00

Rights of Hirer After the Signing of the Hire-Purchase Agreement

Congratulation for having a brand new car. The car is not belong to you alone. It is a joint ownership between you as the hirer and the finance company as the owner. Until you have settled the whole amount due and payable under the agreement, you cannot claim the car as yours.

If you defaulted the installments by 2 consecutive payments, the owner may issue to you a notice in the form of the Fourth Schedule of the Hire-Purchase Act, 1967^{[Act 212]}(the Act). If you have received this notice from the owner, do not delay. Make your payments immediately on the defaulted installments. If not, your car will be repossessed by the owner and/or its agent upon the expiry of the 21 days stated in the Fourth Schedule. You don't want you new car be repossessed from you, aren't you? It will be embarrassing too. What more if the repossession was done when you are together with the love one or with your family. And it was far away from home?

In Malaysia, the repo men usually will follow the car that they intend to repossess. When they are satisfied that the car is the correct one, they will overtake and block the car. They will force you to stop the car. Then, without hesitation, they will grab the key of your car, ask you and everyone inside the car to get out.

They will leave certain documents with you or asking you to pay the amount owed plus repo cost. Then, they will drive away your car. Some repo men will send you home...some don't even bother about you. It is only then you will feel sorry about yourselves for not paying the car installments timely. You must feel angry and dissatisfied because the repo men just took the car away and left you beside the road.

Some repo will tow away your car from the parking bay.

What will you do now?

Check the Act and get a legal advice.

...to be continued in Part 4.

Cars of My Life: Volvo 360 GLE

2011-05-01T22:14:00.000-07:00

Cars of My Life: Volvo 360 GLE

Cars of My Life: TOYOTA CORONA 1.8

2011-05-01T04:16:00.000-07:00

Cars of My Life: TOYOTA CORONA 1.8

KRF Kak Mie: Jeti Shahbandar - gateway to city's exotic islands

2011-05-01T03:37:00.000-07:00

KRF Kak Mie: Jeti Shahbandar - gateway to city's exotic islands

KRF Kak Mie: Taman Shahbandar - the big trees park

2011-04-30T08:54:00.000-07:00

KRF Kak Mie: Taman Shahbandar - the big trees park

KRF Kak Mie: Taman Dataran Maziah

2011-04-30T06:36:00.000-07:00

KRF Kak Mie: Taman Dataran Maziah: "Taman Maziah, Kuala Terengganu For citizen of Kuala Terengganu, Taman Dataran Maziah is not much different from other places of interest..."

KRF Kak Mie: Local Fruits - Ciku/Sapodilla

2011-04-27T08:48:00.000-07:00

KRF Kak Mie: Local Fruits - Ciku/Sapodilla: "Ciku/Sapodilla Sapodilla , or ciku as called in Malaysia is the edible fruit of Manilkara zapota (formerly Achras zapota ), of the ..."

Cars of My Life: My First Car

2011-04-27T04:16:00.000-07:00

Cars of My Life: My First Car: "TOYOTA LE My first car was Toyota LE 1.6GL bearing registration No. TH 8155. I bought the car by way of a hire-purchase (HP) transaction w..."

keropok kg kolam kuala ibai: KEROPOK SRI KOLAM IBAI - Part 3

2011-04-25T08:33:00.000-07:00

keropok kg kolam kuala ibai: KEROPOK SRI KOLAM IBAI - Part 3: "Hm...what a taste of keropok lekor then? keropok lekor Get it when it is still hot. Take 2 or 3 units of that keropok lekor. Cut..."

kampungku, kuala ibai: Keropok/Fish Cracker Kuala Ibai

2011-04-25T08:17:00.000-07:00

kampungku, kuala ibai: Keropok/Fish Cracker Kuala Ibai: "KEROPOK- How it is made? Having eaten kropok? How does it taste? Do you know how it is made? Why not have your own made keropok? Fir..."

KRF Kak Mie: PERFECT TIME TO VISIT MARINE PARKS IN TERENGGANU

2011-04-23T18:09:00.000-07:00

KRF Kak Mie: PERFECT TIME TO VISIT MARINE PARKS IN TERENGGANU

RIGHTS OF HIRER UNDER HIRE PURCHASE IN MALAYSIA - Part 2

2011-04-22T06:21:00.000-07:00

Entering a Hire Purchase Agreement

A hire purchase agreement is governed by the provisions of the Hire-Purchase Act,1967 (Act 212) together with its Regulations, Orders and Guidelines (the Act).

So, before entering into a hire-purchase agreement, one must first read the Second Schedule of the Act. This 2nd Schedule is a summary of the hirer's financial obligation under the proposed hire-purchase agreement. It has to be read carefully by the hirer. Once you are satisfied with the contents of the 2nd Schedule, you may sign it and return it to the respective Financial Institution or Bank. Do not forget to make a copy of the same for your record and safe keeping.

Next, check the vehicle conditions, interior and exterior. Check the accessories offered by the dealer, whether the vehicle is fixed with such accessories or have something left inadvertently. Drive the vehicle for a short distance just for a final test drive. If you are satisfied with the vehicle, you may sign the hire-purchase agreement now and let the dealer arrange all necessary steps for the registration of the vehicle.

Note that the duly stamped duplicate copy of the hire-purchase agreement will be sent to you by the owner by post within 14 days from the date you sign the same. If you do not receive the agreement, please contact the owner/finance company/bank and demand from them for immediate sending of the duplicate copy of the agreement.

Congratulation for the brand new car. Please drive carefully, obey the road sign boards and be a good Malaysian citizen accordingly.

KRF Kak Mie: Local Fruits - Malay Apple

2011-04-22T04:08:00.000-07:00

KRF Kak Mie: Local Fruits - Malay Apple