On 25 February 2016, Bank Negara Malaysia (BNM) has released a new
update for illegal Investment Company which are neither authorised nor
approved under the relevant laws and regulations administered by BNM.
The list only serves as a guide to members of the public based on
information and queries received by BNM. Most of the company in the list
are Illegal Foreign Exchange Trading Scheme and Illegal gold investment
company. The company/individual listed as illegal because they're not
an authorised dealer or has not obtained the permission of the
Controller of Foreign Exchange under the Exchange Control Act 1953
(ECA). It is also illegal to trade foreign currency by a resident who is
not an authorised dealer, with a person outside Malaysia, or by a
resident who has not obtained the permission of the Controller of
Foreign Exchange under the ECA.
The following companies were added to the list:
1. Ostim Academy
2. Safeena Gold Gallery
3. DBB Star Sdn Bhd
4. Aziera Enterprise
5. GGT Golds Sdn Bhd
6. Global Golds Trading
7. Triple One Management Pte Ltd (T1FX)
8. HiFX Asia
9. Mecca Fund Global
10. Highway Group Resources
11. HG Resources Sdn Bhd
12. Zenith Gold International Limited
13. www.powergold.biz ( New website for Amethyst Gold Creation Sdn Bhd)
Illegal Investment Company under BNM :
1. 1globalcash
2. 1Gold.com.my (www.1gold.com.my)
3. 3Sixty Venture Capital PLC (www.empire3sixty.com)
4. Ace Global Sales & Services
5. Ace Dimension Network Sdn Bhd.
6. AE Group Holding Pte Ltd (www.aevfc.com) (201322498-D)
7. Agarwood Venture (002273031-A)
8. Agar Wood Chamber of Commerce Malaysia
9. Ajuwah Realty Sdn Bhd (966604-D)
10. Ajuwah Agencies Sdn Bhd (966604-D)
11. Ajuwah Consultancy
12. Alpari (Asian) Ltd
13. Al-Saliha Worlwide Sdn. Bhd. (628267-M)
14. Amazing Yields Sdn Bhd (891529-V)
15. Amethyst Gold Creation Sdn Bhd (951063-K) (www.powergoldclub.com/ www.powergold999.com/ www.powergold.biz)
16. APS Asia Plantation Sdn Bhd (984575-T)
17. Arba Emas Perak (SA0280035-A)
18. Aruna Travel
19. Asas Seroja Sdn Bhd (357014A)
20. Ashnik Holdings (M) Sdn Bhd (1124601D)
21. Ashnik Trading (002369914-W)
22. Asialink Globe Capital (www.com.agc.com)
23. Astral Progress Sdn Bhd (989294-K)
24. AU Niaga Sdn Bhd (907806-W)
25. AU79 International
26. Aurawave Marketing Sdn. Bhd (www.aurawave2u.com)
27. Axis Capital Corporation Ltd (www.axiscapitalcorp.com)
28. Aziera Gold Enterprise (NS0133976-K)
29. BFS Markets
30. Binary Indulgence Sdn Bhd (963258-W)
31. Build Rich Mining Group Bhd (1006586-T) (www.buildrich.us)
32. Build Rich Investment Group Ltd
33. Build Rich Group Holding
34. Build Rich Agrotech Berhad
35. Build Rich Enterprise
36. Bumi Klasik Warisan Enterprise
37. Capital Asia Group (M) Sdn Bhd (www.capitalasiagroup.com)
38. Cash Deal Sdn Bhd (929192-K) (Boss Venture) (www.bossventure.com)
39. Celik Emas Enterprise (0021517795-K)
40. Changkat Agro Resources (IP 0353991V)
41. CGF Fine Metal Sdn Bhd
42. CTK Network (CTK2U.com)
43. CybertrustFX
44. Dana Haji Jasman
45. Danatama Millennium Sdn Bhd (819082-U)
46. Darul Emas Perak Bhd (1053229-X)
47. DBB Star Sdn Bhd (1110055-M)
48. Degold Empire Sdn Bhd (882335-M)
49. Delta Wealth Services (002194713-K)
50. Destiny Resources Services
51. Dgreat Network (info.simplebisnes.com)
52. DM Rise Enterprise (PG 0262929-H)
53. DNA Profile Sdn Bhd (245435-W)
54. Dream Success International Sdn Bhd (1002002-P) (www.Surewin4u.com)
55. Dynamic Wira Marketing Sdn Bhd - Skim Beras 1 Malaysia
56. Dynasty Worldwide Sdn Bhd (800311-D) (www.dynasty-worldwide.net/ www.dynastymf.com)
57. Eagle Aeronautics (M) Sdn Bhd (796603-A)
58. East Cape Mining Corp
59. Ecofuturefund (www.ecofuturefund.biz)
60. Emgoldex (Emirates Gold Exchange)
61. Empire Five Trading (www.mikadofx.com)
62. Energetic Gateway Sdn Bhd (511826-X)
63. Epic Palms Bhd (epicpalmsberhad.com)
64. Everise Fumigation Sdn Bhd (861654-K) (www.xbi.com.my)
65. Exquisite Bottle Index Sdn Bhd (1060843T) (www.xbi.com.my)
66. Extra Capital Programme (extracapitalprogram.com)
67. Ezey Marketing
68. E-Qirad Sdn Bhd (595699-D)
69. FA Markets
70. Family Wealth Resources (SA0310508-M)
71. Fari Group Global Resources (SA0319984-M)
72. FE Brands (M) Sdn Bhd (1000656-H)
73. Flexsy Enterprise & Barrilorne Corp
74. FNZ Capital Limited (www.intelfx.com)
75. Fortrend International Sdn Bhd ( 876619-X)
76. Futurebarrel.com (futurebarrel.com)
77. Future Trade Indojaya Sdn Bhd (1003327-P) (ftindojaya.blogspot.com/ www.ft-indojaya.com)
78. FxUnited Malaysia (myfxunited)
79. FXZN Zenith Limited (www.fxzn.com)
80. FXZN Investment Limited
81. FXZN Zenith Management Limited
82. FX Primus Ltd (trivfx.com)
83. Gain FX Capital Sdn Bhd (www.gainfxcapital.org)
84. Gan Patt Services
85. Ganding Wawasan Trading (TR0133766-A)
86. GGC Aqualculture Sdn Bhd (1044976P)
87. GGF Golden House Sdn Bhd (803753-W)
88. GGT Golds Sdn Bhd (547290-D)
89. Global Creation Trading
90. Global Golds Trading (JM0518201-W)
91. Global Peace Loving Family (www.globalpeacelf.com)
92. Global Venture Financing (globalventurefinancing.com)
93. Global Wave Gold Corporation (globalwavegold.com)
94. Gold Bullion World Sdn Bhd (1018604-A) (goldenworld.com.my)
95. Gorgeous Chain Sdn Bhd (841928-P)
96. Grand View Golden Success Sdn Bhd (638186-X) - Golden Maximum
97. Great Access Sdn Bhd (517965-X)
98. Green Buck Resources Sdn Bhd (851115-A)
99. Greenmillion Agrosolution Enterprise (greenmillionagrisolution.blogspot.com)
100. Green Forest Global Sdn Bhd (987049-P)
101. HAFX Global Venture Sdn Bhd
102. Harvest Reliance Consultancy Sdn Bhd (965589-W)
103. HEA Teguh
104. Hexa Commerce Sdn Bhd (645798-X)
105. HG Resources Sdn Bhd (HGR) (www.highwayrich.com) (www.highwayrichclub.com) (www.highwaygroup2u.com)
106. HiFX Asia (HiFX)
107. Highway Group Resources (www.highwayrich.com) (www.highwayrichclub.com) (www.highwaygroup2u.com)
108. Hin Huat Auto Sports (TR0005484-X)
109. Holiday Express Asia
110. Honest Group Ltd
111. Hupro International Inc
112. Iconhill Holding Sdn Bhd (810775-P)
113. IGC Diamond
114. Infinity Star International Sdn Bhd (851864-T)
115. Iridian Ventures PLT (LLP0002569-
116. IronFX Solid Trading
117. Instaforex
118. Isothree Gold Sdn Bhd (906561-K)
119. Inter Pasicfic Soyy Enterprise
120. Jalatama Management Sdn Bhd (929594-W) (www.jalatama.com)
121. Jazlaan Enterprise
122. JM Communications & Technology Sdn Bhd (702054-V)
123. JMI Global
124. JTGold
125. Kelab Kebajikan dan Sosial Tun Teja Malaysia (yds2u.com)
126. Kelab Kebajikan Sosial Malaysia (VVIP88)
127. Keenan Capital Group
128. Keenan Prestige Services (002095851-P)
129. Keenan Brilliant Services (002021597-V)
130. Khaira Sakinah Resources (CT0018249-R)
131. KL FxUnited Club
132. Kris Plus Enterprise (IP0238424-A)
133. Kudaemas (www.kudaemas.com)
134. Lestari2U (www.lestari2u.com)
135. Liberty Reserve (www.libertyreserve.com)
136. Life Time Holidays Sdn Bhd (727129-U)
137. LocalAdClick (localadclick.net)
138. LocusNetwork4u.com (locusnetwork4u.com)
139. LS Gold Bullion Sdn Bhd (235435-H)
140. Mari Wholesale (M) Sdn Bhd (556117-T)
141. Maxim Capital Ltd (www.maximtrader.com)
142. Maza Network Sdn Bhd (1006389-H)
143. Meccafund Family Malaysia
144. Mecca Fund Global (MFG) (meccafundglobal.com) (makkahislamichotel.com) (mekahalsafwah.blogspot.my)
145. McRen Oceanus Sdn Bhd (908484-X)
146. Mega Dynasty Sdn Bhd (931589-V)
147. Megaherbs Bioextreme (001946380-K)
148. Megah Mewah Trading (SA0295909-A)
149. MGSB Holding Sdn Bhd (www.mgsb.org.my)
150. MD Venture Group Sdn Bhd (1058936U)
151. MH Secret Wealth Enterprise (NS0122059A)
152. Million Jade Sdn Bhd (www.millionjade.com)
153. Miracle Day Trading (JR0047390-V)
154. Mohamad World Enterprise
155. MOP Consultant Sdn. Bhd (101867-W)
156. My Cameron Hills Sdn Bhd (984170M)
157. Nexgain Malaysia Sdn Bhd (773854-D)
158. Nory Motor (TR0023237-H)
159. Norry Setia Ent (TR0103958-M)
160. NTB Agencies dn Bhd (1039052-M)
161. Ocean Century International Limited (www.ODFX.com)
162. OCI Management Sdn Bhd (1042036X) (www.ODFX.com)
163. OCI Venture Sdn Bhd (1039926H) (www.ODFX.com)
164. ODFX (www.ODFX.com)
165. OLTA Capital Management Inc.
166. One AutoCash (www.clubautocash.com/ www.1autocah.com)
167. Orion Healthcare Management Services Sdn Bhd
168. Orion Prokasih (M) Sdn Bhd
169. Ostim Academy (002443002-A) (www.ostimint.com)
170. Overseas Delight Sdn Bhd (614245-W) (www.arowana2u.com)
171. Pancar Mayang Sdn Bhd (527196-H)
172. Pars Pay Sdn Bhd (813378-V)
173. Pegasus Bullion (www.pegasusbullion.com)
174. Perfway Traders Sdn Bhd (918583-V) (www.perfway.com)
175. Perniagaan Jatidana Wawasan (M) Sdn Bhd
176. Perubatan Islam Seiring Syariat Al-Ikhlas
177. Power Trade Asia Sdn Bhd (933528-T) (www.kuasaforex.com.my)
178. PPC Storm
179. Preferred Credentials Sdn Bhd
180. Premier Ventures Gold
181. Prestige Dairy Farm (M) Berhad (832757-A)
182. Profit Web Sdn Bhd
183. Program 10 Bulan Forex Trading
184. Program I-Rich
185. Pro Infinity Ltd (proinfinity.com)
186. Projek Duit 2012
187. Provisio Multimedia
188. Public Golden House Sdn Bhd (806825-M)
189. Puncak Hartawan Resources (0000097980-T)
190. Quantum Capital Program (www.quantumcapitalprogram.com) (www.berjayaforex.com)
191. Ram Kris Venture (0024165647-K)
192. Real Biz Pasif
193. Real Ingenious Sdn Bhd (926598-U) (www.worldfocus.co)
194. Rejab Trading (TR0115248-A)
195. Rejabwealth Sdn Bhd (1005424-X)
196. Reza Anuar Seven
197. Retro Titan Sdn Bhd
198. RGCX Trading Corp (http://www.goldrgcx.com/ www.rapidgcx.com)
199. Rimbun Tekad Realty Sdn Bhd (966620-V)
200. Rimbun Tekad Consultancy Sdn Bhd (966620-V)
201. Rising Premium Sdn Bhd (285572-P)
202. RMMUDAH.COM
203. RM20segera.com (www.rm20segera.com)
204. RN Corporate Services Sdn Bhd
205. Rowther Technologies MSC Sdn Bhd (727979-T)
206. Royal Gold Sdn Bhd (1005830-X)
207. Royale Team Groups (www.royaleteaminfo.blogspot.com)
208. RS Capital Holdings Bhd (819833-P)
209. Safeena Gold Gallery (IP0386035-U)
210. Sejati Agarwood Enterprise
211. Sera Land Mangement & Enterprise (JM0503206-P)
212. SGFM Trading Sdn Bhd (936419-V)
213. Slimberry Extreme Team (zatslimberry.blogspot.com/ slimberryxtreme.com)
214. Speedline (www.speedline-inc.com)
215. Srgold Exchange Bhd (1033164-V) (www.srgold.com.my)
216. Sri Perkasa Emas Trading
217. Sri Chempacka Emas Enterprise (SA0293336-P)
218. Steady Dynasty Sdn Bhd (782270-H)
219. Steady Global Network Sdn Bhd
220. Suliz Pearl Mines
221. Suisse Coins Sdn Bhd (www.suissecoins.com)
222. Sweblink Global Network Sdn Bhd (209952-H)
223. Swiss Capital Venture
224. Syarikat Azza Motor Network Sdn Bhd (104795-P) (www.rajakereta.weebly.com) (www.rajakereta.com)
225. Syarikat GECS Ltd
226. Syarikat Sri Alam
227. Tabung Dana Ehsan
228. Tanjung Trading (TR0123942-W)
229. Tenaga Setia Services (107239-P)
230. TG Reliance Sdn Bhd (1086255-A)
231. The Gold Guarantee
232. Titan Group Sdn. Bhd (823732-U)
233. Trillion Venture (trivfx.com)
234. Triple One Management Pte Ltd (T1FX) (t1fx.com)
235. TukarGold.net (www.tukargold.net)
236. UER Gold (uergold.com/profitsharing)
237. UFUNCLUB (www.jutawanufunclub.com/ufunclub2me.blogspot)
238. Ultimate Power Profits (www.ultimatepowerprofits.yolasite.com)
239. United American Traders Council (www.uatconline.com)
240. Uni Argrow (Cambodia) Co. Ltd (www.argrow.biz) (www.unicapasia.net)
241. Uncang Teguh Resources (0000102116-T)
242. Urustabil Sdn Bhd (545426-X)
243. VC Gold Sdn Bhd (722295-T)
244. Virgin Gold Mining Corporation
245. Verger Management Services
246. Wadiah Trading (www.wadiahtrading.com)
247. Water World Marketing (CA0177161-P)
248. Westrank Equity Sdn Bhd (1046449-A)
249. Windsor Fragrance Sdn Bhd (599208-H)
250. World Dirham Berhad (970807-X)
251. WSL Merchants Pte Ltd (www.worldshopperslink.com/ www.click4dollar.com)
252. XOC7
253. YDS Corporate Line Sdn Bhd (877697-P) (yds2u.com)
254. YDS Holding Groups Bhd (987797-T) (yds2u.com)
255. Zenith Gold International Limited (ZGI) (www.zenithgolds.com (zenithgoldrocks.wordpress.com)
(zenithgoldpowerteam.blogspot.my)
256. Zeta Capital Management
257. Zill Akasha Gemilang Enterprise
258. Zness.com (zness.com)
How the illegal investment company operate:
1) Illegal operators usually operate on a small scale and claim they can
provide remittance services efficiently, without the need for any
documents or identification. They rarely use documents to validate and
verify the transactions. By engaging in these transactions, customers
run the risk of being cheated and their funds may never reach its
intended destination.
2) Illegal operators usually target job seekers by placing attractive
advertisements to lure prospective employees to join the company, after
which they use them to solicit for new investments. Most often,
employees will be encouraged to approach their direct family, relatives
and friends before targeting members of the public.
3) Illegal operators usually portray a professional and reputable image,
a high-tech office layout and advanced IT facilities, such as a LCD
screens displaying movements in exchange rates to provide the impression
that a legitimate and real business is being conducted. These
facilities are merely a false front.
4) Investors can either trade using their trading accounts with the
company or through dealers appointed by the company. In some cases,
investors are allowed to operate their accounts via the Internet.
5) Investors are also required to sign a business contract which is
normally entered between the investors and a principal company overseas.
6) In most instances, the operators will inform the investors that they
will have to send these contracts to its principal company overseas for
signing. However, such contracts are usually left unsigned.
7) As such, in the event the investors are unhappy with future dealings
and transactions, no action can be taken against the company as there is
no binding contract between them.
8) Investors will usually get high returns on their initial investments.
This will convince them to increase their investments in hopes of
higher returns. Eventually, they will end up losing everything when the
illegal operators suddenly go missing.
9) Investors who lose their money through purported volatility of
exchange rate movements are informed by the illegal operators that they
need to pay margin-call in order to recover their paper loss
10) The illegal operators may also encourage investors to increase their investment to try to recover their losses.
You can report directly to Bank Negara Malaysia via the following communication channels:
Call: 1-300-88-5465 (1-300-88-LINK)
Fax: 03-2174 1515
SMS to 15888: BNM TANYA [your report / query]
Email: bnmtelelink@bnm.gov.my
Source: bnm.gov.my
Wednesday, April 27
Wednesday, April 20
SUIS FICD ( FAST IDLING CONTROL DEVICE) MYVI
1- OPERASI ASAS PENYAMAN UDARA KERETA
2- SERVIS AIRCOND YANG MENGHAMPAKAN
3- 4 TUTORIAL TIPS SERVIS DAN MENJAGA PENYAMAN UDARA KERETA
4- FICD (FAST IDLING CONTROL DEVICE)
2- SERVIS AIRCOND YANG MENGHAMPAKAN
3- 4 TUTORIAL TIPS SERVIS DAN MENJAGA PENYAMAN UDARA KERETA
4- FICD (FAST IDLING CONTROL DEVICE)
SUIS FICD ( FAST IDLING CONTROL DEVICE) MYVI
Pertama, aku nak cerita - aku bukan mekanik dan pandai tentang kereta. Aku belajar pun tak habis. Kalau salah tu, minta maaflah ya. Sebab aku risau sikit, bab-bab mekanik dan kereta ni banyak sangat orang bertanya.
Ok, yang ini adalah ada kaitan juga dengan Sistem Penghawa Dingin Kereta. Oleh kerana aku pakai Myvi, jadi aku lebih suka belajar model kereta aku sahaja. Asasnya kebanyakkan kenderaan bermotor pun gunakan komponen lebih kurang sahaja.
Ini dipanggil suis FICD (Fast Idling Control Device). Semua kereta ada FICD sebab alat ini fungsinya kawal RPM kereta dari drop sebab apabila kita on sahaja aircond, automatik RPM kereta drop dan enjin boleh mati jika tiada FICD. FICD ini ada sambungan ke kompressor.
Masalahnya apabila FICD rosak, enjin kita akan drop RPM sehinggakan enjin bergegar dan boleh sebabkan enjin mati tiba-tiba. Contoh kereta sekarang ada DOHC dan SOHC kan, jika on aicond, RPM enjin akan drop.
THROTTLE BODY MYVI (DOHC semestinya)
DOHC dan SOHC ni ada alat/mekanisma yang kawal RPM enjin. Kalau ke DOHC (namanya stepper motor), kalau ke SOHC (aku lupa namanya nanti aku update). Mekanisma ni pada throttle body - kira fungsi kawal RPM juga. Kalau mekanisma ni elok, enjin kereta pun melahu elok dan tidak gegar-gegar atau mati.
Biasa masalah jika dalam free gear dan on aircond, enjin akan tiba-tiba mati.
Selain nak tahu alat/mekanisma pada throttle body kereta kita elok , pagi-pagi kalau start enjin, RPM akan naik dan jika temperature normal, RPM akan perlahan-lahan turun. Enjin elok masa idle ini ada kait juga dengan plug dan kabel plug yang elok.
Tapi jika RPM enjin drop sahaja, sah ada kerosakan pada alat/mekanisma tersebut.
LEAKAGE - A STRATA LIVING NIGHTMARE
Leakage - A strata living nightmare
IF you live in a high rise building and have an inter-floor leakage issue, you can be rest assured that you are not alone.
Inter-floor leakage is without a doubt one of the biggest problems faced by many dwellers of high rise buildings.
Whilst the leakage may appear only in a particular parcel, the source of the leakage may lie in the parcel above or even elsewhere. The cooperation of more than one party is therefore required; without which one cannot even begin to identify the problem, let alone solve it.
Two issues must be identified when there is an inter-floor leakage. Firstly, the source of the leakage and secondly, the person or body responsible for repair or rectification. Who is supposed to identify the source of the leakage to start with? The person or body responsible of course, you may say, but how do you know who is responsible before the cause of the problem is ascertained? A bit of a chicken and egg situation arises.
New Act
Will the new management Act answer to all ceiling leakages?
In February 2013 the Strata Management Act 2013 (SMA) was passed by Parliament. With that came a presumption in law, under Section 142 of the SMA, that if the leakage is on the ceiling, then such leakage is presumed to be from the parcel above unless it is proven otherwise. So, if you have a leakage from your ceiling, go to your upstairs neighbour and tell him/her that he/she is responsible and must therefore find the source of the leakage and do the repair.
What if he/she disclaims responsibility? Simple, You just quote Section 142 of the SMA. What a magical section with a “one fits all” answer to ceiling leakages! I thought so too when I first read Section 142, but I was not completely right for the law does not place the entire responsibility squarely on the upstairs parcel owner.
It was to be another couple of years before the SMA was implemented in June 2015 but the good news is that with that came also the implementation of the Strata Management (Maintenance & Management) Regulations 2015 (SMR). Many thanks to those (including HBA volunteers) who worked tirelessly on drafting and fine tuning the provisions of the SMR, we now have some definite answers on what to do if you have a leakage from your ceiling.
Who is responsible?
In dealing with inter-floor leakage one must not just look at Section 142 of the SMA but also Part XV of the SMR. Indeed it is Part XV of the SMR which tells you what to do if you discover dampness, moisture or water penetration from your ceiling or if you were to go home one day only to find that it is raining in your apartment.
Go to the developer if you are still covered by the defects liability provisions.
If the leakage is still covered by the provisions of your sale and purchase agreement (SPA), follow the provisions of your SPA. For homebuyers, these are typically cases where the leakage or defect occurs during the defects liability period, and which the housing developers are required to rectify, as provided in the statutory SPA.
JMB/MC/Management first in the line of responsibility – regulation 56
If the leakage is not one which is covered by the SPA, then notice may be served by the owner of the affected parcel on the developer or the joint management body (“JMB”) or the management corporation (“MC”) or the subsidiary management corporation (“sub-MC”), as the case may be.
This is provided for in regulation 56(1) of the SMR. What regulation 56 essentially means is that you serve notice on the body responsible for the maintenance and management of the common property, which for convenience I shall refer to as “the management”.
So, now you see, the party first in the line of responsibility is not your upstairs neighbor but the management.
Once notice is received, the management must, within seven days, carry out an inspection to determine the cause of the leakage and the party responsible for rectification (regulation 57). Thereafter, the management must issue a “Certificate of Inspection” stating the cause of the inter-floor leakage as well as the party responsible for rectification (regulation 59). A standard form certificate for this purpose can be found in Form 28 under the Second Schedule of the SMR.
So, what is the purpose of Section 142, you may ask? Section 142 merely creates a presumption that the defect lies in the parcel above. In practical terms, this does nothing towards resolving any inter-floor leakage issues other than perhaps as a starting point for inspection.
After all, one cannot possibly rectify a defect which causes the leakage until and unless the actual defect is identified. The legal implication of Section 142, however, is perhaps best left to those much more qualified than I but I do wonder if this statutory presumption alone can be a valid ground for holding the upstairs parcel owner responsible and if so under what circumstances in light of the provisions of the SMR.
Determining factor(s)
Under regulation 58 of the SMR, the management must take into account not just the aforesaid presumption but also the following matters which to my mind are far more relevant once the defect is identified:-
(1) that any defect in something which serves more than one parcel is a common property defect; and
(2) that any defect in something which serves only one parcel is a defect of that particular parcel even though that something is situated in common property or in void space.
In other words, the determining factor is not the location of that defective something but which parcels that something serves. If it serves just one parcel, that particular parcel owner is primarily responsible and must rectify the defect failing which the management shall carry out the rectification works and charge the expenses to that particular parcel owner.
I say primarily because whilst regulation 61 of the SMR imposes the obligation on a specific parcel owner such obligation is expressly stated to be without prejudice to that parcel owner seeking indemnity from someone else.
That of course begs the question of who can be held liable for such indemnity; a question which is beyond the scope of this article but I certainly will not rule out any parcel owner, including the affected parcel owner, who contributes towards the defect or any delay in the rectification of the defect.
The decision of the management is, as expected, not final. Anyone not satisfied with a decision made against him/her may refer to the Commissioner Of Buildings (COB) who shall ascertain the cause of the leakage and the party responsible in accordance with regulation 64(1) & (2) and the decision of the COB shall be complied with by all parties concerned.
Grant access for inspection or risk prosecution
It goes without saying: that neither inspection nor rectification works can be effectively carried out without access to all relevant parcels and common property. Hence, the imposition of a statutory obligation on all relevant parties to give access as provided by regulation 63(1) of the SMR comes as no surprise at all.
Whoever fails to give access to the party carrying out the inspection commits an offence! And the punishment is severe too; a fine of up to RM50,000 or imprisonment of up to three years or both, under regulation 63(2).
Given that the lack of cooperation on the part of some parcel owners/occupiers has remained one of the main causes of delay in resolving inter-floor leakage problems, these provisions are definitely a step in the right direction. It does puzzle me, however, that whilst a failure to give access for inspection tantamount to an offence, the same does not seem to apply to a failure to give access for rectification.
Some of you cynics out there may be tempted to brush this aside as something unlikely to be enforced by the authorities but do you want to take that chance? Do you really want to risk prosecution over something as simple as giving access for inspection and/or rectification?
Beside, now that the Strata Management Tribunal has been set up you may be slapped with an order much sooner than you think.
Chang Kim Loong AMN is the honorary secretary-general of the National House Buyers Association: www.hba.org.my , a non-profit, non-governmental organisation manned purely by volunteers.
IF you live in a high rise building and have an inter-floor leakage issue, you can be rest assured that you are not alone.
Inter-floor leakage is without a doubt one of the biggest problems faced by many dwellers of high rise buildings.
Whilst the leakage may appear only in a particular parcel, the source of the leakage may lie in the parcel above or even elsewhere. The cooperation of more than one party is therefore required; without which one cannot even begin to identify the problem, let alone solve it.
Two issues must be identified when there is an inter-floor leakage. Firstly, the source of the leakage and secondly, the person or body responsible for repair or rectification. Who is supposed to identify the source of the leakage to start with? The person or body responsible of course, you may say, but how do you know who is responsible before the cause of the problem is ascertained? A bit of a chicken and egg situation arises.
New Act
Will the new management Act answer to all ceiling leakages?
In February 2013 the Strata Management Act 2013 (SMA) was passed by Parliament. With that came a presumption in law, under Section 142 of the SMA, that if the leakage is on the ceiling, then such leakage is presumed to be from the parcel above unless it is proven otherwise. So, if you have a leakage from your ceiling, go to your upstairs neighbour and tell him/her that he/she is responsible and must therefore find the source of the leakage and do the repair.
What if he/she disclaims responsibility? Simple, You just quote Section 142 of the SMA. What a magical section with a “one fits all” answer to ceiling leakages! I thought so too when I first read Section 142, but I was not completely right for the law does not place the entire responsibility squarely on the upstairs parcel owner.
It was to be another couple of years before the SMA was implemented in June 2015 but the good news is that with that came also the implementation of the Strata Management (Maintenance & Management) Regulations 2015 (SMR). Many thanks to those (including HBA volunteers) who worked tirelessly on drafting and fine tuning the provisions of the SMR, we now have some definite answers on what to do if you have a leakage from your ceiling.
Who is responsible?
In dealing with inter-floor leakage one must not just look at Section 142 of the SMA but also Part XV of the SMR. Indeed it is Part XV of the SMR which tells you what to do if you discover dampness, moisture or water penetration from your ceiling or if you were to go home one day only to find that it is raining in your apartment.
Go to the developer if you are still covered by the defects liability provisions.
If the leakage is still covered by the provisions of your sale and purchase agreement (SPA), follow the provisions of your SPA. For homebuyers, these are typically cases where the leakage or defect occurs during the defects liability period, and which the housing developers are required to rectify, as provided in the statutory SPA.
JMB/MC/Management first in the line of responsibility – regulation 56
If the leakage is not one which is covered by the SPA, then notice may be served by the owner of the affected parcel on the developer or the joint management body (“JMB”) or the management corporation (“MC”) or the subsidiary management corporation (“sub-MC”), as the case may be.
This is provided for in regulation 56(1) of the SMR. What regulation 56 essentially means is that you serve notice on the body responsible for the maintenance and management of the common property, which for convenience I shall refer to as “the management”.
So, now you see, the party first in the line of responsibility is not your upstairs neighbor but the management.
Once notice is received, the management must, within seven days, carry out an inspection to determine the cause of the leakage and the party responsible for rectification (regulation 57). Thereafter, the management must issue a “Certificate of Inspection” stating the cause of the inter-floor leakage as well as the party responsible for rectification (regulation 59). A standard form certificate for this purpose can be found in Form 28 under the Second Schedule of the SMR.
So, what is the purpose of Section 142, you may ask? Section 142 merely creates a presumption that the defect lies in the parcel above. In practical terms, this does nothing towards resolving any inter-floor leakage issues other than perhaps as a starting point for inspection.
After all, one cannot possibly rectify a defect which causes the leakage until and unless the actual defect is identified. The legal implication of Section 142, however, is perhaps best left to those much more qualified than I but I do wonder if this statutory presumption alone can be a valid ground for holding the upstairs parcel owner responsible and if so under what circumstances in light of the provisions of the SMR.
Determining factor(s)
Under regulation 58 of the SMR, the management must take into account not just the aforesaid presumption but also the following matters which to my mind are far more relevant once the defect is identified:-
(1) that any defect in something which serves more than one parcel is a common property defect; and
(2) that any defect in something which serves only one parcel is a defect of that particular parcel even though that something is situated in common property or in void space.
In other words, the determining factor is not the location of that defective something but which parcels that something serves. If it serves just one parcel, that particular parcel owner is primarily responsible and must rectify the defect failing which the management shall carry out the rectification works and charge the expenses to that particular parcel owner.
I say primarily because whilst regulation 61 of the SMR imposes the obligation on a specific parcel owner such obligation is expressly stated to be without prejudice to that parcel owner seeking indemnity from someone else.
That of course begs the question of who can be held liable for such indemnity; a question which is beyond the scope of this article but I certainly will not rule out any parcel owner, including the affected parcel owner, who contributes towards the defect or any delay in the rectification of the defect.
The decision of the management is, as expected, not final. Anyone not satisfied with a decision made against him/her may refer to the Commissioner Of Buildings (COB) who shall ascertain the cause of the leakage and the party responsible in accordance with regulation 64(1) & (2) and the decision of the COB shall be complied with by all parties concerned.
Grant access for inspection or risk prosecution
It goes without saying: that neither inspection nor rectification works can be effectively carried out without access to all relevant parcels and common property. Hence, the imposition of a statutory obligation on all relevant parties to give access as provided by regulation 63(1) of the SMR comes as no surprise at all.
Whoever fails to give access to the party carrying out the inspection commits an offence! And the punishment is severe too; a fine of up to RM50,000 or imprisonment of up to three years or both, under regulation 63(2).
Given that the lack of cooperation on the part of some parcel owners/occupiers has remained one of the main causes of delay in resolving inter-floor leakage problems, these provisions are definitely a step in the right direction. It does puzzle me, however, that whilst a failure to give access for inspection tantamount to an offence, the same does not seem to apply to a failure to give access for rectification.
Some of you cynics out there may be tempted to brush this aside as something unlikely to be enforced by the authorities but do you want to take that chance? Do you really want to risk prosecution over something as simple as giving access for inspection and/or rectification?
Beside, now that the Strata Management Tribunal has been set up you may be slapped with an order much sooner than you think.
Chang Kim Loong AMN is the honorary secretary-general of the National House Buyers Association: www.hba.org.my , a non-profit, non-governmental organisation manned purely by volunteers.
Tuesday, April 19
NANG NAK CERITA SERAM THAILAND VS CERITA SERAM MALAYSIA BEGINILAH
Semalam aku tengok cerita seram Melayu tempatan..
Kenapa aku serik nak tengok lagi..
Sebab kita boleh mengagak jalan cerita sangat senang dan mudah..Ia tak sesukar cerita hindustan atau cerita tamil. cuma agak panjang sedikit banding sesame street.
pelakon je lebih-lebih kerut muka nak tunjukkan emosi gitu..
Kenapa budak kecil apabila bercerita, kita seronok mendengar?
Sebab budak kecil cerita spontan tanpa skrip...
Bahasa dan lenggok pun walau kita faham sikit-sikit tapi komunikasi tu sampai...
Budak kecil comel, bercakap walau pelat pun kita faham...
Budak kecil tak perlu nak sergah-sergah audien...
Dia jerit bila tidak puas hati...
Tapi kita tetap khusyuk nak mendengar celoteh budak kecil hingga penamat..
Cerita seram di Malaysia ni bajet dengan tempatnya, lampunya yang jimat elektrik...
Sampai ke hospital pun dijadikan malap..
Masjid dan surau pun jadi malap.
Cerita seram di Malaysia minat sangat warna pakaian hitam, hijau tua, dan yang gelap-gelap..
Telekung pun hitam, serba-serbi hitamlah.. Kalau berlari pakai telekung, tiba-tiba nampak seluar panjang pula- tapi seluar pun hitam jugalah.
Cerita seram Malaysia ni, pelakonnya boleh dibilang berapa orang sahaja...
Cerita seram Malaysia ni, kalau hantu itu mesti hodoh dan boleh terbang atau terapung...
Kalau mati tu tak pernah berseri, dah jadi hantu suka main sembunyi-sembunyi aja.
Jika lawan otomen taro pun, dah boleh agak, lampu otomen cepat weak.. tapi cerita seram Malaysia ni, kehebatan hantu sangat luarbiasa, boleh membaca Al-Quran dan macam-macamlah penat nak bayangkan.
Hantu gesel-gesel dinding pun ada.. sekali hantu marah, siaplah mangsanya kena pukulan terpelanting ke belakang lebih 10 kaki jauhnya. Susah nak fahamkan motif hantu di Malaysia.
Hero cerita seram Malaysia ni memang jimat bajet sungguh.
Hero pun dia aja.
Macam kalau kita ke kedai makan, orang tulah nak buat roti canai, orang tulah nak jadi cashier, orang tulah nak ambil order...scene tu memang itu aja, muka sama aja.
Tanah kubur, penggali kubur, ustaz, pokok kelapa tu mesti ada dalam filem...
Lagi satu meja makan, televisyen tu ada juga...
Memang ganjillah kalau filem ada sikit shot rutin kehidupan harian. Ada anak, mesti orang gaji jaga atau duduk rumah je, pergi kerja tiada, tapi masa makan tak pernah lupa.
Kalau rumah tu mesti padat dengan hiasan, pasu-pasu, langsir sebesar-besar, kerusi rapat-rapat dan lampu tetap malap walaupun ada pencuri datang atau hantu ketuk pintu nak tumpang tandas - lampu pantang terang.
Asal-usul hantu tu pun tak tahu hujung pangkal, tiba-tiba datang nak kawan je...jerit-jerit, lepas tu balik gitu je.
Cara olah ke scene lain pun biasa sahaja.....bunyi hp...tangan masuk kocek...bla-bla-bla....handphone berdering....handphone berdering....jerit-jerit sini...jerit-jerit sana...pastu mengamuk...itu jelah saspen..
Kalau takda scene jawab telefon ni, aku rasa memang pegun mayatlah tak bergerak cerita seram Malaysia ni nak jadi cerita.
Bateri Handphone dan minyak kereta mesti sentiasa penuh. Hantu mesti tumpang kereta dia aja, kereta orang kampung taknak.
Kalau kemalangan pun, memang kereta yang jarang atau tak pernah kita lihat di atas jalan raya...makajantina kereta itu dengan sendirinya dah membawa maksud misteri..
Yang misteri tetap misteri...tapi hantu tu wajib ada, kalau tak, orang tak panggil cerita seram Malaysia, orang ingat cerita kartun pula.
Kenapa aku serik nak tengok lagi..
Sebab kita boleh mengagak jalan cerita sangat senang dan mudah..Ia tak sesukar cerita hindustan atau cerita tamil. cuma agak panjang sedikit banding sesame street.
pelakon je lebih-lebih kerut muka nak tunjukkan emosi gitu..
Kenapa budak kecil apabila bercerita, kita seronok mendengar?
Sebab budak kecil cerita spontan tanpa skrip...
Bahasa dan lenggok pun walau kita faham sikit-sikit tapi komunikasi tu sampai...
Budak kecil comel, bercakap walau pelat pun kita faham...
Budak kecil tak perlu nak sergah-sergah audien...
Dia jerit bila tidak puas hati...
Tapi kita tetap khusyuk nak mendengar celoteh budak kecil hingga penamat..
Cerita seram di Malaysia ni bajet dengan tempatnya, lampunya yang jimat elektrik...
Sampai ke hospital pun dijadikan malap..
Masjid dan surau pun jadi malap.
Cerita seram di Malaysia minat sangat warna pakaian hitam, hijau tua, dan yang gelap-gelap..
Telekung pun hitam, serba-serbi hitamlah.. Kalau berlari pakai telekung, tiba-tiba nampak seluar panjang pula- tapi seluar pun hitam jugalah.
Cerita seram Malaysia ni, kalau hantu itu mesti hodoh dan boleh terbang atau terapung...
Kalau mati tu tak pernah berseri, dah jadi hantu suka main sembunyi-sembunyi aja.
Jika lawan otomen taro pun, dah boleh agak, lampu otomen cepat weak.. tapi cerita seram Malaysia ni, kehebatan hantu sangat luarbiasa, boleh membaca Al-Quran dan macam-macamlah penat nak bayangkan.
Hantu gesel-gesel dinding pun ada.. sekali hantu marah, siaplah mangsanya kena pukulan terpelanting ke belakang lebih 10 kaki jauhnya. Susah nak fahamkan motif hantu di Malaysia.
Hero cerita seram Malaysia ni memang jimat bajet sungguh.
Hero pun dia aja.
Macam kalau kita ke kedai makan, orang tulah nak buat roti canai, orang tulah nak jadi cashier, orang tulah nak ambil order...scene tu memang itu aja, muka sama aja.
Tanah kubur, penggali kubur, ustaz, pokok kelapa tu mesti ada dalam filem...
Lagi satu meja makan, televisyen tu ada juga...
Memang ganjillah kalau filem ada sikit shot rutin kehidupan harian. Ada anak, mesti orang gaji jaga atau duduk rumah je, pergi kerja tiada, tapi masa makan tak pernah lupa.
Kalau rumah tu mesti padat dengan hiasan, pasu-pasu, langsir sebesar-besar, kerusi rapat-rapat dan lampu tetap malap walaupun ada pencuri datang atau hantu ketuk pintu nak tumpang tandas - lampu pantang terang.
Asal-usul hantu tu pun tak tahu hujung pangkal, tiba-tiba datang nak kawan je...jerit-jerit, lepas tu balik gitu je.
Cara olah ke scene lain pun biasa sahaja.....bunyi hp...tangan masuk kocek...bla-bla-bla....handphone berdering....handphone berdering....jerit-jerit sini...jerit-jerit sana...pastu mengamuk...itu jelah saspen..
Kalau takda scene jawab telefon ni, aku rasa memang pegun mayatlah tak bergerak cerita seram Malaysia ni nak jadi cerita.
Bateri Handphone dan minyak kereta mesti sentiasa penuh. Hantu mesti tumpang kereta dia aja, kereta orang kampung taknak.
Kalau kemalangan pun, memang kereta yang jarang atau tak pernah kita lihat di atas jalan raya...maka
Yang misteri tetap misteri...tapi hantu tu wajib ada, kalau tak, orang tak panggil cerita seram Malaysia, orang ingat cerita kartun pula.
Monday, April 18
ANTARA KAD AHLI AEONBIG DAN KAD MERIAH MYDIN MANA YANG LAGI BAGUS
ANTARA KAD AHLI AEONBIG DAN KAD MERIAH MYDIN MANA YANG LAGI BAGUS
AEONBIG sekarang adakan jualan barangan tertentu dapat 10X point sehingga 21 APRIL 2016 ini.
Kad AEON BIG ni percuma tiada syarat apa-apa semasa mendaftar.
Point akan luput dalam 12 bulan dari tarikh akhir penggunaan Kad AEONBig ini.
1 Point bersamaan RM1.00. Setiap Sabtu jika bawa beg AEON, anda akan dapat lagi 50 point percuma.
Dan setiap 1000 point anda dapat RM5.00 samada baucer atau potongan di kaunter juruwang semasa membayar barang belian.
Illustration on usage of cash rebate value:
(a) Total current purchase of goods from AEON BiG store: RM100.00
(b) AEON BiG points accumulated from previous purchases: 1000 points
(c) 1000 AEON BiG points = RM5.00.
Thus, your total payment for current purchase transaction is (a)-(c) = RM95.00
Your AEON BiG points collected for this current purchase = 100 AEON BiG points.
Pada aku, 1 POINT ni (AEON dan Mydin) bersamaan RM0.005. Jadi kalau kita beli barang berharga RM16.70, untuk tebus point adalah bersamaan :
RM16.70 / RM0.005 = 3340 POINT diperlukan.
Bayangkanlah aku ada lebih 12,000 point yang masih belum digunakan.
Ni Link dari AEONBIG untuk semak mata point dan semak tahun nilai point tersebut luput : Aku sendiri pernah ditegur oleh juruwang katanya tahun ni luput semua point. Aku pun tegurlah aku dah baca term & conditions memang DALAM 1 tahun terakhir berbelanja masih belum luput. Ok semak di sini :
https://www.aeoncredit.com.my/check-aeon-big-points
(a) Total current purchase of goods from AEON BiG store: RM100.00
(b) AEON BiG points accumulated from previous purchases: 1000 points
(c) 1000 AEON BiG points = RM5.00.
Thus, your total payment for current purchase transaction is (a)-(c) = RM95.00
Your AEON BiG points collected for this current purchase = 100 AEON BiG points.
Pada aku, 1 POINT ni (AEON dan Mydin) bersamaan RM0.005. Jadi kalau kita beli barang berharga RM16.70, untuk tebus point adalah bersamaan :
RM16.70 / RM0.005 = 3340 POINT diperlukan.
Bayangkanlah aku ada lebih 12,000 point yang masih belum digunakan.
Ni Link dari AEONBIG untuk semak mata point dan semak tahun nilai point tersebut luput : Aku sendiri pernah ditegur oleh juruwang katanya tahun ni luput semua point. Aku pun tegurlah aku dah baca term & conditions memang DALAM 1 tahun terakhir berbelanja masih belum luput. Ok semak di sini :
https://www.aeoncredit.com.my/check-aeon-big-points
Sebarang soalan, boleh rujuk FAQ ini.
Berbeza dengan Kad Meriah Mydin ini pula, anda dikenakan yuran tahunan RM12.00 setiap tahun.
(Maka untuk membayar yuran Kad Meriah Mydin untuk setahun ni, anda perlukan :
RM12.00 / RM0.005 = 2400 POINT atau bersamaan pembelian total RM2,400 dalam setahunlah)
(Maka untuk membayar yuran Kad Meriah Mydin untuk setahun ni, anda perlukan :
RM12.00 / RM0.005 = 2400 POINT atau bersamaan pembelian total RM2,400 dalam setahunlah)
Setiap RM1.00 bersamaan 1 Point.
2000 Point bersamaan RM10.00 dalam bentuk baucer.
Point akan luput selepas 3 Tahun.
Sebarang FAQ boleh rujuk link ini.
Jika anda ada kad ahli stesyen minyak ke, ada yang dikira 1 POINT = RM1.00, tapi ada juga dikira1 LITER PETROL = 1 POINT, jadi kita perlu memahami kaedah lebih berkesan untuk mengumpulkan POINT.
Jadi, sekarang kita lebih jelas akan kebaikan 2 kad kesetiaan ini kan. Samada dikenakan yuran atau tidak, tentu kita ada jawapannya.....Aku masih belum kuat untuk menjawab di dalam entri ini.
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