Kereta Kena Tarik Dalam Stor? Kami Settle Dengan Bank & Cari Pembeli Yang Sambung Bayar

Kereta anda kena tarik oleh bank. Sekarang dalam stor.

Bank demand:

• 💰 Outstanding balance: RM30,000 – RM80,000
• ⚖️ Penalty charges: RM5,000 – RM15,000
• 📦 Stor charges: RM50-150/hari (makin lama makin naik!)
• 📄 Legal fees: RM2,000 – RM5,000

Bank kata: “Bayar FULL SETTLEMENT sekarang, atau kami lelong kereta dalam 30-60 hari.”

Masalah anda:

• ❌ Takde duit RM50k-100k cash untuk settle
• ❌ Nama dah blacklist CTOS/CCRIS (tak boleh loan lagi)
• ❌ Kalau dilelong, kereta jual murah – anda tetap kena bayar shortfall!
• ❌ Rugi deposit awal + semua installment dah bayar selama ni

Pilihan anda sekarang:

Pilihan	Outcome
1. Bayar settlement sendiri	Takde duit ❌
2. Pinjam dari family/kawan	Takde yang boleh tolong amount besar ❌
3. Loan/refinance dari bank	Dah blacklist, bank reject ❌
4. Biarkan dilelong	Rugi lebih besar + nama tetap blacklist ❌
5. Ah Long	JANGAN! Lagi teruk! ❌❌❌

ADA PENYELESAIAN LAIN.

Bagaimana Kami Boleh Bantu

Program “Release & Transfer” – Kami Settle Bank, Anda Lepaskan Beban

Konsep:

1. KAMI settle dengan bank untuk release kereta anda
   • Kami bayar full settlement kepada bank/company
   • Kereta keluar dari stor
   • Debt anda dengan bank SELESAI 100%
   • Nama anda CLEAR dari that particular debt
2. KAMI cari pembeli baru yang nak sambung bayar
   • Pembeli bayar deposit kepada kami
   • Pembeli sambung monthly installment kepada kami
   • Kereta digunakan oleh pembeli
   • After habis bayar, tukar nama kepada pembeli
3. ANDA dapat:
   • ✅ Debt dengan bank CLEARED (no more harassment)
   • ✅ Kereta tak jadi dilelong (avoid worse loss)
   • ✅ Possible cash rebate (depend on case)
   • ✅ CTOS/CCRIS will improve over time (debt settled)

Contoh Case Study

Case 1: Retrench Victim – Honda City 2020

Situation:

Owner: Encik Ahmad (kena retrench 4 bulan lepas)
Kereta: Honda City 2020
Market value: RM65,000
Original loan balance: RM48,000
Months not paid: 4 bulan
Penalty & charges: RM7,500
Stor charges (45 hari): RM4,500
Total settlement demand: RM60,000

What We Do:

Step 1: Settlement dengan bank
– Kami bayar RM60,000 kepada bank
– Bank release kereta
– Ahmad’s debt CLEARED

Step 2: Cari pembeli sambung bayar
– Market value kereta: RM65,000
– Kami jual dengan markup: RM70,000
– Pembeli bayar deposit: RM15,000
– Sambung bayar: RM55,000 / 60 bulan = RM917/bulan

Step 3: Ahmad dapat:
– ✅ Debt RM60,000 cleared with bank
– ✅ Cash rebate: RM3,000 (as compensation for his losses)
– ✅ No more legal action
– ✅ CTOS will show “settled” after 6-12 bulan

Ahmad’s outcome: Dapat RM3,000 cash + debt cleared. Better than dilelong (rugi semua + kena pursue untuk shortfall)!

Case 2: Business Collapse – Toyota Vios 2019

Situation:

Owner: Puan Siti (business bankrupt)
Kereta: Toyota Vios 2019
Market value: RM55,000
Outstanding: RM35,000
Total settlement: RM45,000 (dengan charges)

What We Do:

Settle RM45,000 dengan bank
Jual kepada pembeli: RM58,000
– Deposit: RM12,000
– Sambung bayar: RM46,000 / 5 tahun

Siti dapat:
– ✅ Debt cleared
– ✅ Cash rebate: RM2,500
– ✅ Dapat focus rebuild bisnes tanpa debt burden

Case 3: Medical Emergency – Myvi 2021

Situation:

Owner: Encik Raju (family medical emergency)
Kereta: Perodua Myvi 2021
Outstanding + charges: RM38,000

What We Do:

Settle RM38,000
Jual: RM48,000 (deposit RM10k + sambung RM38k)

Raju dapat:
– ✅ Debt cleared
– ✅ Cash rebate: RM1,500
– ✅ Peace of mind

Kereta Yang Kami Ambil

Kategori Yang Paling Berminat:

Tier 1: High Demand (Easy Resale)

• Perodua Myvi (semua tahun 2018+) – SANGAT laku
• Perodua Axia (2019+) – Demand tinggi
• Perodua Bezza (2018+) – Popular
• Perodua Alza (2020+) – Family favorite

Tier 2: Medium Demand

• Honda City (2017+)
• Toyota Vios (2017+)
• Honda Civic (2016+)
• Toyota Yaris (2018+)
• Mazda 2/3 (2017+)
• Nissan Almera (2018+)

Tier 3: Premium (Selective)

• Honda CR-V (2017+)
• Toyota Camry (2018+)
• Honda Accord (2016+)
• Mazda CX-5 (2017+)

Tier 4: Continental (Case by Case)

• Mercedes C-Class (2015+)
• BMW 3 Series (2015+)
• Audi A4 (2015+)

*Continental cars – kena assess condition, mileage, maintenance cost

Kereta Yang TIDAK Kami Ambil:

• ❌ Kereta accident teruk (total loss)
• ❌ Kereta rosak engine/gearbox major
• ❌ Kereta terlalu lama (2010 ke bawah – depends on model)
• ❌ Kereta modified extreme (hard to resale)
• ❌ Kereta dengan outstanding terlalu tinggi vs market value (upside down)

Berapa Anda Boleh Dapat?

Formula Cash Rebate:

Cash Rebate = Market Value – Settlement Amount – Operating Costs

Operating Costs include:

• Stor charges yang terkumpul
• Repair/refurbish (if needed)
• Transfer fees, insurance, road tax
• Our service fee & margin

Realistic Expectations:

Scenario	Rebate Potential
Market value > Settlement + 15%	RM3,000 – RM8,000 ✅ Good
Market value > Settlement + 5-15%	RM1,000 – RM3,000 ⚠️ Possible
Market value ≈ Settlement	RM0 – RM1,000 😐 Minimal
Market value < Settlement	No rebate ❌ (tapi debt still cleared!)

Examples:

Example 1: Myvi 2020
Market value: RM50,000
Settlement: RM38,000
Gap: RM12,000
Operating costs: RM7,000
Your rebate: RM5,000 ✅

Example 2: Honda City 2019
Market value: RM60,000
Settlement: RM55,000
Gap: RM5,000
Operating costs: RM4,000
Your rebate: RM1,000 ⚠️

Example 3: Vios 2018 (accident history)
Market value: RM45,000
Settlement: RM48,000
Gap: -RM3,000 (underwater!)
Your rebate: RM0
BUT debt still cleared – better than lelong! ✓

Process Step-by-Step

Step 1: Contact & Info (Hari 1)

📱 WhatsApp kepada kami:

“Kereta saya kena tarik, dalam stor [lokasi].

Kereta: [Make/Model/Year]
Outstanding balance: RM___
Bila kena tarik: [date]
Stor kat mana: [company/bank name]
Ada accident history? [Yes/No]
Condition: [Good/Fair/Poor]

Boleh bantu?”

Step 2: Assessment (Hari 1-2)

Kami akan:

• Check market value kereta anda
• Contact stor/bank untuk confirm settlement amount
• Calculate potential rebate (if any)
• Give you quotation

Step 3: Viewing & Verification (Hari 2-3)

• Kami arrange untuk view kereta dalam stor
• Check condition, mileage, documents
• Confirm no hidden issues
• Take photos for resale listing

Step 4: Agreement (Hari 3-4)

Anda akan sign:

• Authorization untuk kami settle dengan bank
• Transfer of rights (you release claim to the car)
• Agreement on rebate amount (if any)
• Confirmation that debt will be cleared

Dokumen yang perlukan:

• IC copy
• Car grant (if ada)
• Original loan documents
• Bank/company statement of account

Step 5: Settlement Dengan Bank (Hari 5-7)

• Kami bayar full settlement kepada bank/stor
• Bank issue release letter
• Kereta released to us
• Bank confirm your debt SETTLED

Step 6: Payment Kepada Anda (Hari 7-10)

• If ada rebate, kami bayar kepada anda
• Cash or bank transfer
• Receipt provided

Step 7: Kami Cari Pembeli (Hari 10+)

• Kami list kereta untuk sambung bayar
• Find suitable buyer
• Arrange legal agreement with buyer
• Buyer start monthly payment to us

Timeline: 7-14 hari dari inquiry ke debt cleared!

Frequently Asked Questions

Q: Saya boleh dapat berapa dari kereta saya?

A: Bergantung kepada market value vs settlement amount. WhatsApp kami dengan details kereta untuk free assessment. Biasanya RM1,000-RM8,000, tapi ada yang takde rebate (debt cleared je – which is still good!).

Q: Kalau kereta saya market value lebih rendah dari settlement, macam mana?

A: Kita still boleh consider, tapi you takkan dapat rebate. TAPI debt anda akan cleared – better than biarkan dilelong sebab kalau lelong, you kena pursue untuk shortfall amount jugak!

Q: Berapa lama process ni?

A: Typically 7-14 hari dari anda contact kami sampai debt cleared dengan bank. Rebate (if any) dibayar after settlement confirmed.

Q: Saya masih nak kereta tu balik. Boleh ke?

A: Program ni untuk orang yang nak RELEASE kereta sebab tak mampu nak settle. Kalau anda nak keep kereta, kena cari cara lain untuk bayar settlement (family loan, etc). Kami fokus pada cases where owner nak lepaskan kereta.

Q: Nama saya akan clear dari CTOS/CCRIS ke?

A: Debt akan marked as “SETTLED” in CCRIS. Ia akan improve your score over time (6-12 bulan), tapi record tetap ada (settled status). Better than “default” status!

Q: Stor charges makin naik setiap hari. Cepat ke process ni?

A: That’s why kena act fast! Contact kami SEKARANG. Every day delay = more charges. Kami boleh process dalam 1 week kalau documents complete.

Q: Kereta ada accident history. Anda still ambil ke?

A: Depends on severity. Minor accident okay. Major accident kena assess – value akan lower, rebate possibility reduced. Send kami photos & accident report untuk assessment.

Q: Saya takut kena scam. Macam mana nak tahu legit?

A: Valid concern. Kami akan:

• ✓ Give proper company details (SSM registration)
• ✓ Provide written agreement (lawyer prepared)
• ✓ Show proof of settlement dengan bank
• ✓ Payment melalui official banking (bukan cash under table)
• ✓ Boleh jumpa face-to-face di office

Q: Kalau saya ada banyak kereta kena tarik (fleet), boleh settle semua ke?

A: Ya! Kami handle individual cars atau bulk. Contact untuk discuss details.

Q: Family saya guarantee loan tu. Bila debt cleared, diorang pun clear ke?

A: Ya. Bila debt settled with bank, guarantor pun released from obligation. Good untuk restore family relationship!

Why Work With Us?

1. FAST SETTLEMENT

⏱️ 7-14 hari dari inquiry ke debt cleared
🏦 Bank stop harassment immediately
📦 Stor charges stop accumulating

2. PROFESSIONAL & LEGAL

📄 Proper agreements (lawyer prepared)
🏢 Registered company (bukan sindiket!)
💼 Transparent process

3. POSSIBLE CASH REBATE

💰 Depending on car value, you may get cash back
💵 Payment prompt (within 7 days of settlement)

4. NO MORE HARASSMENT

📞 Bank/company stop calling you
😌 Peace of mind restored
👨‍👩‍👧‍👦 Family life back to normal

5. IMPROVE CREDIT STANDING

📊 CTOS/CCRIS show “settled” instead of “default”
📈 Score improve over 6-12 months
🎯 Future loan applications possible

Jangan Tunggu Sampai Dilelong!

Apa Jadi Kalau Dilelong:

Aspect	Dilelong	Program Kami
Harga jual	30-50% below market ❌	Market price atau higher ✅
Shortfall	You kena bayar! ❌	Takde shortfall ✅
Cash rebate	RM0 ❌	Possible RM1k-8k ✅
CTOS/CCRIS	Worse record ❌	“Settled” status ✅
Timeline	3-6 bulan (prolonged stress) ❌	1-2 minggu (quick relief) ✅

Contoh Kerugian Lelong:

Kereta: Honda Civic 2019
Market value: RM70,000
Outstanding: RM55,000

Scenario Lelong:
Auction price: RM45,000 (orang bid murah!)
Outstanding: RM55,000
Shortfall: RM10,000 – you still kena bayar!
Plus legal fees: RM3,000
Total you rugi: RM13,000 + stress!

Scenario Dengan Kami:
Kami settle: RM55,000
Kami jual: RM72,000
You dapat rebate: RM4,000 ✅
Difference: RM17,000 swing!

Jangan biarkan bank lelong murah-murah. Ambil control sekarang!

Ambil Tindakan Sekarang

Setiap hari delay = Stor charges naik RM50-150!

30 hari = RM1,500-RM4,500 extra!
60 hari = RM3,000-RM9,000 extra!

Faster you act, more you save.

Contact Kami Hari Ini

📱 WhatsApp: [Your Number] (24/7 response)
🌐 Website: MudahLulus.com
📍 Office: [Your Address]
📧 Email: [Your Email]

FREE Assessment – No Obligation

Hantar details kereta, kami quote dalam 24 jam!

“Dari beban kepada pembebasan. Dari hutang kepada fresh start.”

DISCLAIMER:

Program ini untuk pemilik kereta yang kereta telah ditarik balik oleh bank/company dan tidak mampu untuk settle. Kami bukan money lender dan tidak memberikan pinjaman. Kami membeli hak terhadap kereta dengan menjelaskan hutang sedia ada dengan bank/company. Cash rebate (jika ada) bergantung kepada market value kereta berbanding settlement amount. Tiada jaminan rebate akan diberikan – setiap kes dinilai secara individu. Selepas settlement, kereta menjadi hak milik kami dan kami berhak untuk menjual/sambung bayar kepada pihak ketiga. Pemilik asal tidak mempunyai hak lagi terhadap kereta selepas agreement ditandatangani. Terms & conditions apply.

Legal Note: Sambung bayar arrangements are subject to Hire Purchase Act 1967. Proper legal documentation will be prepared for all transactions. Kami beroperasi mengikut undang-undang Malaysia.