I sold my flat and got some lump cash. I placed an fd of $20k for 6 months and went to usa the next day. I had over spent my money in savings account as I had withdrew it from atm in us. Planning for a better future I plan to use my fd as 2nd chance. More than a month before maturity I called uob to instruct that they put my fd into savings account. Unfortunately, uob claim that I had "borrowed" the money. So I cannot have my money which I placed in the bank. After miserable investigation I realized what happened. I had given to my sister an atm card and pin to run arrands, pay bills etc while I was not in singapore. She also to open my letters. Three months before maturity of fd, my sister and I talked, I agreed to give her a huge loan for renovation cost of her new flat. I said "later when I have back my fd". I also said I will have uob send cheque or cashier order. Great surprise for her that uob decided to send an approved loan chque of $15, 300. This is without my knowledge, request, approval. My sister see it as "this is it" the loan for her so she bank into my atm and withdraw for renovation. She did not know that I had a difficult situation, had used up my other money, etc. So I could not have excess to my money, which I had wanted to use some first and then instruct uob to issue cheque so my sister can have it as loan from me. But situation change unexpectedly that I got confused, miserable, shocked, and although my sister paid bank and myself gradually, I failed. My ambition to study, learn driving, get a used car, etc had broken to pieces. Again my money, the 2nd chance I hope, fell into drain of miscalculation and unnecessary spending, etc. I acknowledge my mistakes include use uob, and gave an atm card of another bank and pin to my sister. Bottomline is the unacceptable fact that uob mailed a loan cheque without my knowledge when I am about to have my own money. Uob cause my ambition to fail and great embarrassment for me as I had to talk to my family about my personal problems. Uob never feel sorry or admit wrong for sending me a huge cheque when I never request it, or even immagine it. They blame me and my sister for the misunderstanding. Sadly, uob acted arrogantly, and mas never care, as they approved the practice. Alternative way to sell loan, overcoming dnc law. This happen few years ago. I blame my failure to uob, but uob refuse to pay me any compensation. The arrogant rich people in singapore also never understand the pain that I went through. Senior singaporean