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31 January 2012

Aku Jamin Sampai Tidak Terjamin Masa Depan Sendiri

Sejahteralah ke atas kamu...

Saya pernah menjadi penjamin seseorang untuk membuat personal loan. Personal loan itu pula adalah untuk dibuat bayar muka nak beli kereta. Actually yang meminta bantuan saya untuk menjadi penjamin itu bukan orang itu sendiri, tapi mak budak itu iaitu ofismate lama saya di pejabat lama. Masa tu, saya masih hijau tapi tak la mentah sangat, dah suku masak pun. Bila ofismate saya tu minta tolong jadi penjamin anaknya, saya dengan hati yang terbuka, tak fikir negative hanya nak tolong. Orang susah kita tolong la kan. Lagipun, saya percaya pada ofismate saya tu. Dia kata, lepas dia dapat duit EPF selepas dia pencen, dia nak setelkan semua personal loan anak dia tu lump-sum [camni ke eja lamsam? Kahkah.. hantam sajalah timun]. Maknanya, kata dia... saya hanya jadi penjamin sekejap je. Dia nak pencen pun tahun depannya. So, saya tenyeh je tandatangan.

Sebab terlalu percaya, saya tak pernah tanya pun anak dia bayar ke tidak loan tu. Saya hanya penganggap semuanya baik-baik sahaja. Sehinggalah saya dapat surat perintah mahkamah daripada lawyer yang mewakili bank yang memberi pinjaman tu. Saya terus macam blur je... Apsal plak tetiba aku kena pegi mahkamah? Apa plak jenayah yang aku dah buat ni. Baca punya baca, rupa-rupanya dah lama tertunggak tak bayar loan budak tu. Saya semak dengan bank, nama saya berstatus blacklisted. Kalau nak clearkan balik nama saya daripada black listed tu, budak tu perlu habiskan bayaran loan dia kesemuanya. Bukan setakat perlu selesaikan tunggakan je.

Sampai sekarang, nama saya masih blacklisted di bank. Nak buat apa pun tak bleh. Tapi memang la, saya pun tak berniat nak beli apa-apa sama ada kereta atau rumah. Dan kalau saya nak beli pun, saya boleh buat loan EsEsEm tercinta ni. Cuma tak best la, setiap kali asyik dapat surat lawyer je kan.

Walaupun ramai yang dah tau, tapi saya nak jugak pesan kat korang semua, kalau ada orang mintak jadi penjamin, cuba la mengelak sedaya mungkin. Macam saya dengan mak budak yang buat loan tu, dulu kemain baik, tapi sebab kes jamin menjamin ni, dah mengeruhkan perhubungan. Adik beradik pun boleh bergaduh sebab duit dan harta, inikan pulak setakat kawan-kawan. Semuanya akan bertukar [bertukar! Blink! Blink!] menjadi awkward.

70 comments:

  1. betul-betul.. org lain punya salah..tp kita pon tejebak sekali.. kadang kita ni terlalu percaya kat org kan.. sudahnya diri sendiri yg terjerat...

    ReplyDelete
  2. saya tak kerja jadi tak de sapa nak ambik saya jadi penjamin..tapi suami saya memang ramai yang menagih untuk dia jadi penjamin...
    mujur la suami saya ni leih bijak berfikir dari saya...
    kami bebas dari masalah begini..alhamdulillah..
    hhehehe

    ReplyDelete
  3. salam;
    sesal dulu pendapatan..nak buat cam mana,jadi baik awak beringat2 mulai sekarang walaupun adik beradik...

    ReplyDelete
  4. kami keje gomen ni lagilah ramai dtg pujuk rayu mntk jd pnjamin..adik sy yg baru 4 bln keje gomen pun ada sepupu mntak tlg jd penjamin..konon nak buat loan bank smbung study master..bila adik tak mahu tolong mulalah maki hamun masam muka..ade ke patut? tak patut tak patut...kdg kita kne selfish jgk utk jg hak kita...

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  5. abg pon dh ada pengalaman camni..sampai skunk pon dok kena tanggung lagi

    ReplyDelete
  6. kau nak aku tolong kek kak? bukan bagi duit la tapinya..kau boleh saman balik itu peminjam ok.. utk ko, aku bagi free advice...apa2 aku ada ok!

    ReplyDelete
  7. assalamualaikum...betul tu mmg susah kalau dpt org yg mcm ni...hubby mama pun pernah terkena mcm ni dulu smpai skg x dpt cari org tu n nama dah blacklist kat bank...nak buat apa pun dah x boleh...:)

    p/s kenalah berhati2 lain kali kan...

    ReplyDelete
  8. Qutaq : Aku ni kan berhati mulia lagi berhemah tinggi. Tapi buat masa je la. Aku malas nak panjang kan hal. Sebab ni kawan yang kawan2 aku adalah kawan2 dia dan kawan2 dia pun kawan2 aku. Selagi tak menjejaskan aku, aku relax je la. Nnt kalo dah betul2 mencabar kewanitaan aku, aku akan bangkit menyerang. *ayat taknak kalah bercampur bajet diva.

    ReplyDelete
  9. kengkadang orang yang menanya tu pun satu..dorang ni yang tak reti bahasa. susah kot nak cakap 'no'.

    kalau ai yang disuruh jadi penjamin, memang tak reti nak cakap takboleh, so kena la bagi alasan ie menipu.

    time tu la kena ligat otak kena la buat cerita cakap dah jadi penjamin orang lain, dah banyak hutang, etc. ataupun jual nama suami. cakap en suami tak bagi, nanti dia marah..huhuu

    ReplyDelete
  10. Saya juga sdg hadapi maslah yg sama, jamin rakan yg sambung belajar di UK..Bila balik dia dpt kerja besar, beli rumah besar, miliki istri besar, tapi meninggalkan saya dgn masalah besar krn sering diganggu dgn surat utk mengheret ke mahkamah...Keciannnn...

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  11. kes Lynd sama dengan kes abg ipar lady.. die jamin pak sedare die.. tup2 pak sedare die xleh bayar.. die yg kene byr bulan2.. bukan sikit.. dalam 800 sebulan.. nak taknak kakak lady pun turut jadi mangsa..

    ReplyDelete
  12. tu lah bahayenye jd penjamin..jd kn pengajaran tok kite semua..jgn terlalu p'cayekn wlupn die teman rapat kite skali pon..kcuali lah hsband ke..mom or dad n adik bradik ke..kan..

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  13. kan..kawan2 opis saya dah ramai terkena..depa pakat2 wat loan koperasi pastu pakat2 berenti keje.so kawan2 yg dok menanggung beban, pastu sampai kesudah x bayo.

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