IMAGINE this. You agree to a take out a loan from a bank. But it doesn’t tell you how much you’ve taken out, or give updates on how much you owe and how long is the repayment period.

You are just told to pay up between RM300 and RM400 every month, which is deducted from your paycheque. After paying the bank for about five years, you are then told that you owe it RM100,000. And this is only after you constantly harass the financial institution for details.