Hi, I am Munirah from Malaysia. In 2013, a college event where all outsiders can come in and open their booths were held at my college. While walking around with my friend, two people come infront and dragged us and seperated us. One person for me and one person for my friend. We were speechless and blurred but we followed them. Suddenly, they asked us to spell and pronounce a few of english words. We followed and they said we were very bad in english. They convinced us to buy their product (English Learning Product) which costs RM 2000 (abt 500 USD). They showed us testimonies of some students from top universities in Malaysia who bought it. At first, we interested but after we heard the price we refused. They keep persuading us and we told that we need to call our parents and tell them about it. But, they said we like a child who need permission etc, this is for our own good and more convincing words that prevent us from calling our parents (BIG mistake EVER!). Non-stop talking and their words were very convincing. Then, suddenly they showed a device that can transfer money directly from our debit card and asked us to pay for deposit (Rm 262). Seriously, it was so quick! They did not give time for us to think.. and they keep using psychology words. Unfortunately, we followed. A day after, we just realized how stupid we were and we wanted to give the product back to them. We met them but they refused and they said we have to meet them at court and pay all the costs after. We were very afraid after we heard that. We went to our rooms and cried because we regret. We felt stupid.
We googled about the company, and there were a lot of cases about them. Their modus operandi are same, targetting new innocence students like us (semester 1). We saw a few articles about a few of people won againts them at court so we decided to make a police report. We also filed a case at Malaysia Tribunal for Consumer Claims and gave them the police report but no actions were taken. We also asked for help from college representatives and lectures, same. We seriously tried our best but we felt hopeless. No one willing to help us. The company keep calling, and keep sending us messages every month regarding the payment. The rate is also increases every month. We were stressed out until we afraid to pick up any call from unknown numbers. Yes, they use different numbers every time they called. I don't know how to describe how stress we were and it's very disturbing.. us and our study. We cried a lot and our parents know nothing about that. The stress is real. We only think how to get money to pay them, we tried but not enough. Now, our debt is around RM 4000/person (abt 1000 USD/person). They also sent a legal action letters to our house and keep calling us. We really stressed out and cried as our parents know about that. Now, they also call our parents and pressuring them. They said, our names have been blacklisted for CTOS Malaysia which means we cannot make a loan to buy car, house and everything later on. They also told them that the price can increases to RM 10000/person (2500 USD/person) if we do not make the payment now. My parent were worried a lot but I told them I will settle this as I hate to see my parent worrying me. Me and my friends were not coming from a rich family so this is really disturbing.
People might called us stupid because we still bought the product even it's very pricey. Seriously, I don't know how to describe it.. We really blurred at that time and it happens very quick! maybe we were too excited to excel in English and were easily persuaded or innocence. This is the first time I haven't ask for my parents permission and I felt regrets the whole of my life. Me and my friend felt very stupid and cried a lot when we think about it. We don't want our parents to worry about it but we were hopeless. We really regrets.. But, we have to accept it and try to face it. We will finish our study soon and will try our best to earn money to pay our debts but the rate keep increasing and they keep pressuring our parents and us. So, we need help even this is from our own stupidity but we really need help. We really appreciated if you can help us.. Only God can pay you back. Thank you.