bankruptcy?

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cloretss
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bankruptcy?

Post by cloretss » Thu, 17 May 2012 4:45 pm

I was a Singapore PR. Few years back, I signed up for Singtel broadband packages, allowing a 4G usage of internet access, if anything more, will charge accordingly. I wasn't sure about how much is 4G, I raised the question and the sales person at Singtel told me - It is a lot, you will never use up to that amount. I asked the sales person about the calculation of usage, if it is according to month or 30days but he said he doesn't know. I signed the agreement but found out later I didn't tick the little box at the bottom of the agreement that stated "I agree to terms and conditions bla bla ...".

Few months later, I received the bill of 14k SGD. I am not sure what shall I do but I know it is ridiculous to pay as they have reviewed the package and increase the usage to 10G if you have signed the package at a later date (few weeks later), with the same price. The lawyer letter came so fast and I have no source to seek for help, and the amount shown in the bill increase tremendously due to the incurred process fees. I felt that there is no way I can win over this giant company and left Singapore before they declare me bankruptcy and trap me in the country.

It is almost 5 years now, I wonder what have they done to my case. I didn't receive any court letter (they might send to me after I have left) and they might already declare me bankruptcy. How can I ensure the situation of my case? And what might happen if I step in Singapore again?

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zzm9980
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Post by zzm9980 » Thu, 17 May 2012 7:05 pm

So are you saying you racked up S$14k in roaming data charges? Did you legitimately do this?

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Re: bankruptcy?

Post by ecureilx » Thu, 17 May 2012 7:45 pm

cloretss wrote:I was a Singapore PR. Few years back, I signed up for Singtel broadband packages, allowing a 4G usage of internet access, if anything more, will charge accordingly. I wasn't sure about how much is 4G, I raised the question and the sales person at Singtel told me - It is a lot, you will never use up to that amount. I asked the sales person about the calculation of usage, if it is according to month or 30days but he said he doesn't know. I signed the agreement but found out later I didn't tick the little box at the bottom of the agreement that stated "I agree to terms and conditions bla bla ...".

Few months later, I received the bill of 14k SGD. I am not sure what shall I do but I know it is ridiculous to pay as they have reviewed the package and increase the usage to 10G if you have signed the package at a later date (few weeks later), with the same price. The lawyer letter came so fast and I have no source to seek for help, and the amount shown in the bill increase tremendously due to the incurred process fees. I felt that there is no way I can win over this giant company and left Singapore before they declare me bankruptcy and trap me in the country.

It is almost 5 years now, I wonder what have they done to my case. I didn't receive any court letter (they might send to me after I have left) and they might already declare me bankruptcy. How can I ensure the situation of my case? And what might happen if I step in Singapore again?
Below 100,000 would not go for bankruptcy by default, from what I know .. Singtel people would have attempted other means ..

well, you can do a search at IPTO if your name exists, or ask a Singaporean / PR to search for you, if you are declared as a bankrupt ..

MS could enlighten you further - he is the expert in matters such as these

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Post by cloretss » Fri, 18 May 2012 12:49 am

zzm9980 wrote:So are you saying you racked up S$14k in roaming data charges? Did you legitimately do this?
it was crazy, they counted it by kilobyte, so you hit 14K by a few extra gigabyte.

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Post by Mad Scientist » Fri, 18 May 2012 1:35 am

chipmunk is right on the money.

Since you have not being issued a Chap 13, or whatever, you are not a bankrupt.
I would ask myself these question first

1. Are you wanting to return to SG to renew your REP/PR? If yes, then go back first which I doubt you have a case since you have left for more than 5 years
2. Do you intend to settle this too ?
3.If you do not intend to settle it forget about it unless you are thinking of visiting SG sometimes in the future
The positive thinker sees the invisible, feels the intangible, and achieves the impossible.Yahoo !!!

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Re: bankruptcy?

Post by Vaucluse » Fri, 18 May 2012 1:46 pm

cloretss wrote: It is a lot, you will never use up to that amount. I asked the sales person about the calculation of usage, if it is according to month or 30days but he said he doesn't know. I signed the agreement but found out later I didn't tick the little box at the bottom of the agreement that stated "I agree to terms and conditions bla bla ...".
So you signed something without knowing what it entailed?

The charges seem incredible - how much did you download? :o

Bankrupt? It is not for Singtel to declare you bankrupt, they will either have written it off or files a police report
......................................................

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Post by sundaymorningstaple » Fri, 18 May 2012 7:54 pm

He's a lightweight. Check out this one that made the headlines back in December of last year: $350K in overseas data roaming charges in Taiwan (IN TWO WEEKS!)

http://bit.ly/JXiav9
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Re: bankruptcy?

Post by ecureilx » Sun, 20 May 2012 9:50 am

Vaucluse wrote: Bankrupt? It is not for Singtel to declare you bankrupt, they will either have written it off or files a police report
Well, nowadays it is fashionable to sell the Toxic debts :)

And if I recall, Singtel "LEASES" the handsets from some other finance institution .. so when the customer defaults, together with the cost of the handset, they 'sell' the debt, so for Singtel it is a write-off, but for the guy who bought it, well, they could and occasionally go the whole 9 yards, including attempting bankruptcy :)

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Post by cloretss » Mon, 21 May 2012 11:46 pm

I have check in IPTO, my record is clean. Is that enough to guarantee that I am not a bankrupt and can resume my life (I might want to study) in Singapore?

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Post by ecureilx » Tue, 22 May 2012 8:44 am

cloretss wrote:I have check in IPTO, my record is clean. Is that enough to guarantee that I am not a bankrupt and can resume my life (I might want to study) in Singapore?
If you are not in IPTO means you are not under bankruptcy, from what I know.

However, a Credit Bureau search would also yield info if you have been marked, not that it matters much though, other than affecting your credit rating

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Post by the lynx » Tue, 22 May 2012 8:56 am

ecureilx wrote:
cloretss wrote:I have check in IPTO, my record is clean. Is that enough to guarantee that I am not a bankrupt and can resume my life (I might want to study) in Singapore?
If you are not in IPTO means you are not under bankruptcy, from what I know.

However, a Credit Bureau search would also yield info if you have been marked, not that it matters much though, other than affecting your credit rating
They have credit rating here?!

:ironic:

Then they must have been very efficient here because credit cards are issued like mall pamphlets... (as long as you're SC/PR/EP)

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ecureilx
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Post by ecureilx » Tue, 22 May 2012 9:04 am

the lynx wrote:
They have credit rating here?!

:ironic:

Then they must have been very efficient here because credit cards are issued like mall pamphlets... (as long as you're SC/PR/EP)
See, from what I know, the Credit Bureu only screws PR/SC, the Foreigners are NOT in the system, and they can always, if in the system, swap around with new passport et al. The EP is / was not recognised, for some reason. I would have used the EP as the identifier.

Well, if you only know how many Indians, Filipinos, Chinese, on EP depart without paying their card dues, knowing very well that nothing can be done

Oh, now, they are even offering cards for S Pass ..

Again, the SC/PRs are strictly monitored, and "FOREIGNERS" (pardon my pun) are let off easy .. ;)

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Post by the lynx » Tue, 22 May 2012 9:16 am

ecureilx wrote:
the lynx wrote:
They have credit rating here?!

:ironic:

Then they must have been very efficient here because credit cards are issued like mall pamphlets... (as long as you're SC/PR/EP)
See, from what I know, the Credit Bureu only screws PR/SC, the Foreigners are NOT in the system, and they can always, if in the system, swap around with new passport et al. The EP is / was not recognised, for some reason. I would have used the EP as the identifier.

Well, if you only know how many Indians, Filipinos, Chinese, on EP depart without paying their card dues, knowing very well that nothing can be done

Oh, now, they are even offering cards for S Pass ..

Again, the SC/PRs are strictly monitored, and "FOREIGNERS" (pardon my pun) are let off easy .. ;)
Trust me, they don't (for S Pass), well at least not any more. I've done some naughty bits with greedy credit card pushers on that point (just to teach them few lessons) and I've confirmed it.

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