She was puzzled when she received the demand for payment as she had settled her loan in full in 2015.

Unknown to her, there was a one sen balance in her loan account which multiplied because of various charges and nearly got her into a legal tangle.

In her Facebook post, Fateema Dzulkifli said she had settled her balance through a lump sum payment from her second Employees Provident Fund (EPF) account in July 2015.

“I settled my PTPTN loan in full six years ago.

“I do not know where this RM0.01 came from.

“It seems that there are others like me in the same situation.

“They have settled their loan, yet their accounts are still active.”

The post on June 18, which has since gone viral with over 5,000 shares, showed her several attempts to contact PTPTN over the matter but with little success.

She then messaged PTPTN via Facebook and finally received a response.

The fund said despite her paying off the debt, the small balance of RM0.01 had accumulated to become RM515 over the years due to interest, administrative charges, insurance costs and also overdue charges.

Fateema then appealed her case, as she was not at fault.

Finally, PTPTN resolved the matter by writing it off, as the problem was caused by a manual entry error.

In an explanation, a representative told her that an officer had “accidentally” put the RM0.01 for Takaful services into her account the month after she had settled all her dues.

The representative said this may have happened as PTPTN was utilising a manual system prior to April 2016.

Fateema advised others with PTPTN loans to check their balances with PTPTN as such debts can affect their financial status in the Central Credit Reference Information System.

She said it could also lead to unnecessary legal tussles.