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KWSP - Anda kerugian jika ikut cara ni......

klleman

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Salam untuk semua warga CG, aku baru sat ni terima email kata kwsp scam cara ni... betul ke tidak aku tak terlibat pun... so, elok lah aku pos kat sini untuk info saja... maybe ade member CG yang lebih tau.. kalau email ni tipu... so aku tertipu juga ler :p

Dear All,



Better don't go for the monthly withdrawal of your EPF...



This is another method for KWSP to steal our money!

Remember during Budget 2008 announcement last yr, our Finance Minister
(cum PM) announced that in order to assist KWSP members to reduce the
Burden in housing load repayment, KWSP will allow monthly withdrawal
From members' A/C II for the purpose?

Sounds like a nice goodies!

When you apply for the monthly withdrawal, you only need to provide
KWSP yr housing loan & instalment details from yr bank and the bank a/c # you like KWSP to bank the monthly withdrawal into it. KWSP will approve yr application based on the available amt in yr A/C II and compute the withdrawal period by dividing the approved amt with the monthly instalment
Amt. Application process takes about a month and you will receive the monthly payout promptly into yr bank a/c!

Well everything appear to be nice and good. It was indeed a noble plan until you take to close look at yr KWSP Statement!

The withdrawal plan is actually a SCAM!

This is how the KWSP SCAM works.......

Assuming you have RM100,000 in yr A/C II and yr housing loan's monthly instalment is RM2000/mth.

KWSP will approve yr application of withdrawal from yr A/C II of RM100,000 and pay you RM2000/mth for the next 50mths.

Everything appears to be in order BUT.......

What KWSP didn't highlight to you is that when the application was approved, the TOTAL AMT (RM100,000) is removed from yr A/C II! It appears to be transfered to an unknown a/c to effect the monthly payment from therein.

The impact to the member are as follows :-

1. You just lost RM100,000 from yr A/C II. Assuming the KWSP Dividend is 5%, you will lose RM4,000 in dividend during the 1st year. Based on the above example you will will lose >RM10,000 over the 50 mths period!

2. There is no statement to account for the amt approved vs amt paid, hence you would need to keep the monthly payment voucher to reconcile against the approved amt over the 50mths period to ensure there is no missing amt!

Assuming there are 100,000 members who innocently fell prey to this SCAM, based on the above example, KWSP would have cheated the members of 100,000 X RM10,000 = RM1,000,000,000 (that's RM1 BILLION) over the period!

Furthermore, if you discovered this SCAM early and intend to stop the plan, KWSP would not allow any cancellation of the plan until at least 1 year. That would mean, once the application is approved, based on the above example, you would have lost >RM4,000.

100,000 members would have lost 100,000 X RM4,000 = RM400,000,000
(RM400 MILLION) in One Year!!!

If you're a victim of this KWSP SCAM, would suggest you call yr MP to raise hell in Parliament!

For others who have not fallen into this SCAM, pls continue to watch out and alert yr family & friends about this.
 
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klleman

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mmm.. unknown account?
boleh di siasat nih.. x susah mana pn.. boleh dpt info terus dr KWSP.. tp yg pasti bg saya.. KWSP mmg merugikn.. dah terbukti pn..
:)
seelok2nya..mmg kena selalu selidik acc KWSP masing2.. kadang2 majikan pn leh main pusing2 ttg bayaran KWSP ..delay semacam aje..

pada aku part yg ni la kalau betul, scam terhebat...buta jer duit tu parking dalam unknown account lama lak tu... kira la interest jer brp... huhuhuhuhu...
 

aidiryatim

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pada aku part yg ni la kalau betul, scam terhebat...buta jer duit tu parking dalam unknown account lama lak tu... kira la interest jer brp... huhuhuhuhu...

mmg pn.. sbb .. klu ikut kn wdraw blnn..baki berkurangan just 2000/month..
so.. baki blnn.. just..98k,96k,94k,92k n so on.... xde la tiba2 0..
ape pn..boleh tny dulu ngan pegawai KWSP.. sblm proceed potongan blnn nih :)
 
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