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In singapore as you all know it, to buy a used car, we all need to fork out more cash due to MAS new car loan rules, whereby we are only allow to loan 50% or 60% of the used car price. So if you think you are protected against those unethical, dishonest dealers? Think again. Once you pay a big down payment to the dealer to buy a used car for example, if the dealer decides to play you out, you are doomed. There is no clear cut rule or law that you are able to get back your down payment if the dealer fails to deliver the car to you. Tricks dealer play: 1)they can drag and drag.. saying your loan application still in process.(or with other 101 excuses) Therefore you cant get your car. (they can take 1 or 2 mths, and have time to play with your hard earned down payment) 2) Should you decide that enough is enough of waiting, you want to cancel the deal, you need to go through a hard time getting back. Or can you really get back? 3) Signing on black and white will not 100% protect you. After all, if the dealer decides to play dirty with you and not return your down payment.. you can go police or what but end up.. you may need to spend more legal $ to get back your money. 4) Those dealer can argue to the police they used your down payment for other business process, therefore cannot return your down payment straight away as your like if you want to cancel the deal. It is like you are giving the dealer a installment free loan, especially if you give them a big down payment for the car. Why cant we be protected against such dealer? Surely there must be some kind of laws or acts to be implemented especially with the new MAS car loan ruling. Myself sadly encounter with such dirty dealer .. I have decided to share in depth details on what actually happened.. make sure fellow forumers dont fall for the same trick. Dealer: Andy Koh from Mirage Motor Pte Ltd Empty shell company or real ? I leave this job for the police. I am actually buying a car from direct seller and Im getting Andy for his (middleman)services for loan application ,settlement and transfer of car. 25/4 Met Andy Koh at IMM whereby i gave him relevant documents for the loan. approval. Also signed loan documents(he requested me to leave out the dates) and sale proposal form. I also passed him 14k for the down payment. Note: he did not passed me the sale proposal form which states the 14k down payment i gave him but i took a pic of it. 26/4 I was told by Andy Koh my loan is approved by T****o Lea***g. He also mentioned that the processing will not be that fast as the appointed bank is processing many of his other client's application concurrently. It is norm to take weeks he said. I called him everyday to ask for an update, but the replies i get is mostly: - bro, where got so fast? relax.. let them do. -you are not the only one waiting.. they still got do many of my client's application. - I also cant do anything, i already rush them everyday. -Ok will ask them again today and let u know. (usually nothing) When i asked him.. can i contact them directly, he said cannot. If i contact them directly he will be screwed by them. 2 weeks past 14/5 Andy Koh said he needed my advance first month installment for the loan of $677, a processing fee(comms) of $300 and transfer fee of $11. I passed to him. I found out from car seller and my friends that processing of loan settlement usually takes maximum of 2 weeks. I grew suspicious and called T****o Lea***g directly. That's when I found out that Andy go through an agent, which is in this case *L CR***T . A company that is authorized to deal with banks and helps to do settlements and loan approval. I called this company and found out that Andy DID NOT submit any loan documents that i signed on 25/4 nor the money i gave him. I called Andy and confront him and thats when he began to ignore my calls or acts busy... saying he is meeting customers..call me back.. and usually he did not. 21/5 I finally give him a ultimatum saying if he dont ans my call, i will report him. That's when he sent me a sms saying he is on the way down *L CR***T to submit everything. I believe him as i called *L CR***T to verify if Andy Koh has indeed reach their office. Thinking he had given everything to *L CR***T including my 14k , advance installment and transfer fee.. I called him to ask back my $300 as he did not fulfill his part as a middleman.. that's when he said there is actually a $120 finance fee(which i never once heard from him before!) which he had actually include in the $300 processing fee. He refused to return me and stop replying my sms. 22/5 I went down *L CR***T with the owner as there is some documents which i signed wrongly. (*L CR***T called me down) . To our disgust, Andy Koh did not passed *L CR***T any money... he only gave them the applications. *L CR***T called Andy asking him to give them the outstanding to do the settlement. He said okay and will drop down and give them by the end of the day. I also called Andy and he said he will try his best to reach ASAP. However after that, he went MIA. I bombard his phone but he either never answer or say he is busy, and end my call. I even threathen that i will call police if he never return call. around evening, Andy Koh finally returned my call and confessed he did not have my $14,688 and mentioned he had used my money for his own business purposes. He also said he only have $7500 with him and he will pass to *L CR***T later today. He will also pass the balance next wed. I said NO and want him to pass the 7500 to me personally and i also want him to sign black and white with me. He said he will meet me around 10pm , ask me to wait for his call. As usual, he went MIA and didnt keep his promise. 23/5 I went to Andy Koh's house to find him (i happen to have his address) but he wasnt home. I then called the police. I went to his void deck hoping to find him and luckily saw him! He was about to drive away and i manage to stop him. He then say... oh..i am about to call you.. see..i got the documents (black and white) ready for you to sign. I made him sign the black and white(to safeguard myself) and by then, the police came. The worse thing is..even though he didnt deny he got my $14688, and also confess to the police that he used my money for his own business use... the police didnt bring him back. Both of us took statement and thats it! the police also mentioned this is a breach of agreement and is best solved between the both of us. I ask him how he wants to return my money and he just said "no, you call police already mah...i not going to return you and i will speak to my lawyer first" in a cocky tone. in the presence of the police officers. On that very day.. the Investigation officer didnt call me . Rather i must call him to ask him what is the status. He only says he will conduct some investigation before anything. 24/5 Vesak day I tried calling IO many times, only managed to get hold of him..and he told me he is off today. 25/5 Finally IO took initiative to call me and said he had called Andy Koh. Andy koh told him he will complete my settlement. I said No..i do not want his service anymore and all i want is my 14k back. and shoot that IO back to see if andy even have 14k ? IO then return call. Andy told him.."yes i have.. but if he wants his 14k back, he will need to get it back through legal means". Andy Koh is obviously playing dirty here and yet he can be so cocky. Why aint we car buyer being protected?? 29/5 latest update. Andy called me yesterday. He says he have my 14k now and going to show to police to prove he have it. However, he refused to return my money and wants me to deal with him using my $14k to buy a car from him(meaning he wants to earn more). He also said he can forfeit my money and the most ridiculous part is he says he has the rights to earn money from me because of this thread i started and caused him to lose credibility. He said some of his customers called him to ask what happen etc. what RIGHTS he have to forfeit my money?? I demanded my $14688 nett in cash back.. no question ask.. and im definitely to seek a lawyer to claim back my rightful money and all time/opportunities loss and my sleepless nights.. if he refused to return.

http://www.straitstimes.com/news/singapore/courts-crime/story/man-sentenced-jail-caning-possession-air-pistol-unexecuted-bank-ro According to this article: The court heard that Ng had received the air pistol from his 27-year-old brother, a regular serviceman in the Singapore Navy. His brother had brought it back from Taiwan in May 2013. Does this mean that navy personnel training overseas are smuggling all sorts of contraband into Singapore? I wonder why there is no mention of whether any action has been taken against his brother for importing the gun.

From the kopitiam: Just discovered this - another way to skirt around the Singaporean/PR requirement for certain job postings. With the in-principle approval from ICA, FTs can apply for jobs that purportedly are meant for Singaporean/PRs only. Oh, and I heard FTs pay $1,500 for this service. So I guess ICA also takes a cut from this. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ "Landed Permanent Residence (LPR) Scheme If you have acceptable professional or tertiary qualifications and are interested in relocating to Singapore but are not yet working in Singapore, you can apply for LPR under this scheme. Successful applicants have ONE (1) year to find a job or relocate their families to Singapore, upon which permanent residence will be granted. How should I apply? You may approach any of the following centres for an application form. SMC offices: SMC Management Consultants Pte Ltd 51 Cuppage Road #04-06 Starhub Centre Singapore 229469 Tel: 65 - 6722 1766 Fax: 65 - 6737 6341 Email: [email protected] Website: www.smcmc.com SMC Consultants"