Settlement of Car Hire Purchase

Last year in November I was supposed to have paid the last installment on my car loan.  I always pay via an autodebit standing instruction from my Maybank savings account, so I thought the last installment would be the same.  However I noticed that in November the autodebit did not happen, so I thought I may have miscalculated the dates, maybe my last installment was in October.  You know, after so many years of paying car loan, you can forget which month it is.
So I happily called Maybank today to ask them to prepare the release letter. Imagine my shock when they said that I still owe them one last installment. Later I found out that for the last installment of car loan, the bank will not deduct through autodebit. That's because there are some JPJ charges, miscellaneous charges on top of the installment amount.  So for my 2 months' late repayment, I have to pay a penalty of RM3.  Finally I went to queue at a Maybank branch to settle the last installment by cash.

Luckily I took the initaitive to call them, if I didn't, I am not sure when Maybank will inform me. If the installment had lapsed more than 3 months, I would have been blacklisted in CCRIS.  That will cause me a lot of trouble if I want to get a loan on another property later.