How to Deal with Malaysia Royal Custom For Detained/Held Items from Overseas Purchases @ How to Clear Customs in Malaysia

How to Clear Customs in Malaysia

Following my first overseas purchase that was being detained by custom in Malaysia, I decided to write this post to share my experiences on how to deal with them.

Note: This is a personal sharing of mine on how to deal with Malaysia Royal Custom for your detained or held items from overseas purchases. Hopefully this will be helpful to assist you to clear your items :) 

Signs to Look for - Your Items *MIGHT* be detained by customs

If you saw the following description on PosLaju tracking website such as 'Custom Inspection. High - value goods', there is a high chance that your item might be detained by the custom for import tax and sales tax. In that case, you would normally received a letter of detainment from them and is delivered by your trusty PosLaju mailman on the next day. In my case, I got the said letter on the next day from the website.


Tracking status from PosLaju tracking website for EMS shipment


You will find 2 pages of paper enclosed within the envelope:
- Letter of Detainment sent by PosLaju Center. It could be Johor Bahru, Penang, or KLIA/Subang. You'll have several options to deal with this.
- Official Note of Detainment sent by Malaysia Royal Custom to PosLaju Center.

Letter of Shipment Detainment sent by PosLaju

Letter of Detainment sent by Malaysia Royal Custom to PosLaju Center

Prepare to Deal with the Letter

Upon getting the said letter, you will have three options to deal with it:
  1. Appoint PosLaju as the agent to deal with you. You'll need to pay a flat agent handler fee of RM49.50 + import tax & sales duty that will be calculated by them. These are paid when the items is sent to the local PosLaju branch nearest to your location. There is also an option to send the items directly to your delivery address. Though I am not aware of whether the payment is done on the spot or not.
  2. Appoint someone else on behalf of you to deal with the customs. This is usually chosen if you have someone living closer to the custom office
  3. Approach this case yourself. There is a slim chance that you might be able to negotiate the price or even forgo paying the taxes with them. I would only recommend this if your items is valued below RM500 but still get detained for what so ever reason.
As per Malaysia's custom law, any items valued above RM500 is subject to be imposed with tax limit. And this includes CIF (Cost, Insurance, and Freight/Shipping).
Although there are some tips to avoid having to pay for the said tax such as labeling the parcel as GIFTS, there are slim chances that it will get inspected.

In my case, I am well aware that my item is indeed above the RM500 mark. And since I do not have any relative staying closeby their center in JB nor have the time to travel there myself, I decided to appoint PosLaju as the agent to handle this case for me.

In addition to filling the form, you'll also need to prepare any official invoice you got from the ordered item in order for them to appraise the value. In other words, you have to convince them that you are actually paying the XXX amount for the items.

For purchases made through PayPal, which is very likely to be the case, simply check your email for the PayPal receipt and attach it. If you have gotten any official invoice from the merchant, attach it too. In my case, I don't actually receive any official invoice from the merchant (AmiAmi) aside from the email exchange and their official website just show the order history. Regardless, I sent it out anyways. I have to strongly mentioned that the payment receipt is probably most important/critical/solid supporting document for them to truly believe the amount that you had ACTUALLY PAID for the items.

Below are the two supporting documents that I printed and sent to them.

Payment invoice sent by PayPal
Order History from AmiAmi


Responding to the Letter

As stated in their letter, you could choose to either fax or mail it directly to the designated address posted above the letter. In my case, I did BOTH. I mailed it but also send a personal email to their designated email (pljb_customs@poslaju.com.my). To my surprise they handle it quite efficiently and get back to me within an hour, along with the calculated final tax that I am going to pay in the local PosLaju branch when it arrived.

An excerpt of email sent to PosLaju Custom JB

An excerpt of email reply from custom offer on duty in PosLaju Custom JB

And there you have it, the entire process of dealing with them. In my case, this is all dealt with on the same day after receiving the letter of detainment.

Hope this article is helpful to you and please share it with your friends that are also experiencing the same hassle :)


143 comments

Hi, how do you know what exchange rate they follow? What if I my exchange rate calculator shows different rates from their's? Do you have any idea of which exchange rate calculator they use?

Reply

Hi, thanks for sharing. May I know why customs will impose customs tax on our parcel? Just wondering, as I received a letter from Pos Malaysia (like the one you posted) but none from Customs dept.

Reply

Thanks! Indeed a great help with this article

Reply

Hi, may i know if you were using poslaju in the first place or the Customs that actually will get poslaju to send you the letter? Cause i have a parcel sending from China but i have been told it has been detained but the courier service i chose is not poslaju.

Reply

Hi there, I believe the custom detainment letter might be sent to you depending on the courier service that you chose when purchasing the item. I got the form from PosLaju because they are the handler for any items imported using EMS. DHL/FeDEX/USPS will usually inform you via the email which you used when importing the items. You can give them a couple of days (1-3) for any notice from the day of detainment.

Hope this information is helpful.

Reply

Hi. I am facing the same situation recently. Can I know more detail about the documents I need to attach in the email? Thanks.

Reply

Hi i need some advise, my important document send from Singapore to Malaysia Sabah. I online checked the speedpost sg, status held by custom (MY) few day until now. Don't know how to contact them? Can anyone advise me how to do.

Reply
This comment has been removed by the author.

how do you pay them ? can do online banking ? i cant go to the custom office at klia as it is so far

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I remembered I paid them upfront on the counter with cash when I pick up the detained item in my local post office branch. You just have to fill and email the form to PosLaju officer. After which they will then let you know the tentative time when your parcel will arrive in your local PosLaju branch.

Reply

Nice blog. Thanks for sharing useful information.
Gift Malaysia

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Thanks a lot for sharing this useful information with us, as many people don't know how to clear custom in Malaysia

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May I know how much in ringgit your item? Because your tax was rm 340++

Reply

I have problem about my parcel from indonesia...using ems.. Right now my order was held at KL custom for almost 2 years already...how can i settle this? Please help me

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i am having the same problem now. bought something from 1999. same issue. i bought 2 items priced at less than 500 each but thought they will be cheaper shipped together without realising this. well life is about learning. lol thanks.

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Hi everyone, i am Chloe Raymond am so glade coming back to this great forum to testify about the help i received from Chester Brian. I was in desperate need of a loan in other to be free from debt and financial bondage that was place on me by my ex husband. It was really bad that i have to seek for help from Friends,family and even my bank but on one could assist me because my credit score was really bad. So i was browsing with my computer and saw some testimonies from people Chester Brian assisted with a loan, then i decided to contact him on his email brianloancompany@yahoo.com, then i received a mail from them and i did all that was asked from me. To my greatest surprise they transferred to my account the loan i requested and now i am so happy clearing my debt and have also started a business with the remaining amount to take care of myself and family. If you need a loan do contact the best loan lender of all time Chester Brian on his email: BRIANLOANCOMPANY@YAHOO.COM or Call/Text +1(803) 373-2162

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I was recently laid off from a great job due to our sluggish economy since trump assumed presidency . I registered on several job hunting sites and got busy finding another job. I came across several jobs but they didn't ...i then resolute to getting a loan online to pursue my long business dreams since i was having about $10,000 left from my savings and the entire cost for my business to kick off was billed at $50,000 which means that i needed $40,000 more to start this and i thought that going online would be better since most of them pose to grant loans at cheapest rate of %1 percent or less but i never realized that i was only digging my financial grave , low and behold i got brainwashed , deceived and even spell bound to sending all my left $10,000 to them for several fees , Omg , that was so heavy for me then because my family could barely feed trice delay after that incidence as we all grew lean and sickly . but i didn't give up as i knew that the worse thing that can happen to someone is to allow their dreams shattered due to a past failure , i told my lawyer and he advice specifically that there is a United State online based loan agency in the name of AMEIR MILLER LOAN AGENCY as they are currently offering loans now without any fear or problems simply because about 2 clients that he knows got loan from that firm as it is owned by a pastor , after hearing all this i prayed to God for his leading and also followed my lawyer's advice in which i applied but God actually showed his face as this God sent online loan agency granted me this loan funds within 48 hours without any form of problems or stories after i meant with their terms and conditions.indeed at an interest rate of %2.5 percent , ya all can go talk to them using these 3 emails ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com
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Hello Everybody,
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Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

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First name......
Middle name.....
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)Which site did you here about us.....................
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call or add us on what's app +1 647-489-4414

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Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan,auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our specialist for advice and finance planning. If you need a quick loan contact us at: email : muslimgroupofcompany@gmail.com
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)Which site did you here about us.....................
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call or add us on what's app +1 647-489-4414

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Hello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

LOAN APPLICATION INFORMATION FORM
First name......
Middle name.....
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8) Email address..........
9) Monthly Income:.....................
10) Occupation:...........................
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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered this hacker called Elizabeth . She is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist She told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to her terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,i’m grateful to Elizabeth because he changed my story all of a sudden,The card works perfectly fine in all country. Elizabeth’s email address is elizabethcole232@yahoo.com

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I got my already programmed and blanked ATM card to withdraw the maximum of $50,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MRS MARY is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email On atmmachine443@gmail.com

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Apply for a loan

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Hello everyone am here to testify how i got my loan from Mr.Henry walter after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan. Until a friend of mine introduce me to Mr. Henrywalter who promised to help me and indeed he did as he promised without any form of delay .I never thought there are still reliable loan lenders until i met Mr. Henry walter,who are indeed helped with the loan and changed my belief. I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr. Henry walter via his email {
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Am so happy My blank ATM card can withdraw $5,000 daily. I got it last week and now I have $8,000 for free for the twice i have use it. The blank ATM withdraws from any ATM machines and it is not traceable, now i have money for business and enough money for me and my family to live with. I'm really happy to know Engr Michael because i met two people before him and they took my $150 and $230 not knowing that they were not real. But am happy now Engr Michael sent the card through UPS to me with Just $390 and i got it within 4 days. Get yours from him now he is not like other people who pretending to have the ATM card, he is giving it out to help people even if it is illegal but it helps a lot because i have never get caught. i'm grateful to him because he changed my life all of a sudden . He said the card works in all countries except Philippines, Mali and Indonesia. His contact is micharelatmhacker@gmail.com. text him +1(850)800-8129

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Thanks
Await to hear from you soon

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=================
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Do you need Personal Loan?
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=================
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HOW I SUCCESSFULLY GOT MY XMAS LOAN.

Hello, my name is Janice Erwin from Walworth NY, and I am happily married with family. For some months now I have suffered financial setback and needed to refinance as my bills were long due for payment. I tried seeking loans from various loan firms both corporate and private but all without success, the banks I visited all declined my credit. But as God would favor me, I was introduced to Unamay Loan Finance Ltd for their Xmas loan program, with contact number +1(858)299-1101 a Private limited Company with Share Capital, and I was granted an Xmas loan sum of $68,000.00 on the 8th of November 2017. Today my financial status is restored and my business is now stabilized. Thanks Renee for introducing me to Unamay Loan Finance Ltd, and to you Mr Christopher Kennedy for helping me. He is a good man and I pray that God richly bless him for helping me. My advice to anyone out there in need of a loan of any kind is to quickly Contact them today via email: unamayloanfinance@outlook.com or unamayloanfinanceltd@financier.com.

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Hi, My name is BRYAN WHYTE and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called CARL . he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for om money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions.. Four days later I received my card and tried with the closest ATM machine close to me, to my greatest surprise It worked like magic. I was able to withdraw up to $3000 daily. ATM has really change my life. If you want to contact them, Here is the email address (atmcardservice41@gmail.com).

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One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose.

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Regards,

Pastor Mrs Winona Millaray .
Director of Operations

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Attention!!!

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Thanks for your time, wish you the best...

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Chris Young
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Ramsay Hill Finance Plc

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Mrs Wilecia Berbana mod

What an incredible story in my life, I am Mrs Wilecia Berbana ,currently living in New York City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation. Last two months i needed to refinance and pay my bills and some others serious debt. I was looking for a loan of $ 650,000.00 USD then I apply for a loan in one of the on-line loan company where i was scam about $3,800,00 usd in lending in the UK, but when I put the complain my good friend told me that the only place to get a loan on-line is CONSUMER LOAN FIRM the company is 100% guarantee that if I apply in a business loan I am to get the loan without any delay in the transaction, so i did, with a great fear in my heart not to loose money for the second time. My brothers and sister i want to let you know that there are still good people in the world we can trust and have faith on. With the advice of my friend in which I ask the company for a loan last week and to my greatest surprise i just got my loan yesterday. My hope and trust was all gone but now i new there are real loan firm we can trust. Am using this opportunity to inform you all that if you are in need of a loan, do not go else where so sick for a loan. i have found a real loan lender that can help you because he told me that the success of the societies is his pride i want you to sick for a loan in CONSUMER LOAN FIRM. Here are the company email: consumerloanfirm@gmail.com And i promise you that your life will never remain the same again, I will be waiting to hear your own testimony. Mrs Wilecia Berbana

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Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below. Email:michaelsmithloanfunds@gmail.com

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I got my already programmed blank ATM card to withdraw a maximum of $5,000 daily for 30 days. I am so happy about this because i got mine last week and I have used it to get $100,000. Mrs Nancy, is giving out the card just to help the poor and needy though it is illegal but it is something nice and she is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from her. Just send her an email on: atmmachine581@gmail.com 


      

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Mrs Wilecia Berbana mod

What an incredible story in my life, I am Mrs Wilecia Berbana ,currently living in New York City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation. Last two months i needed to refinance and pay my bills and some others serious debt. I was looking for a loan of $ 650,000.00 USD then I apply for a loan in one of the on-line loan company where i was scam about $3,800,00 usd in lending in the UK, but when I put the complain my good friend told me that the only place to get a loan on-line is CONSUMER LOAN FIRM the company is 100% guarantee that if I apply in a business loan I am to get the loan without any delay in the transaction, so i did, with a great fear in my heart not to loose money for the second time. My brothers and sister i want to let you know that there are still good people in the world we can trust and have faith on. With the advice of my friend in which I ask the company for a loan last week and to my greatest surprise i just got my loan yesterday. My hope and trust was all gone but now i new there are real loan firm we can trust. Am using this opportunity to inform you all that if you are in need of a loan, do not go else where so sick for a loan. i have found a real loan lender that can help you because he told me that the success of the societies is his pride i want you to sick for a loan in CONSUMER LOAN FIRM. Here are the company email: consumerloanfirm@gmail.com And i promise you that your life will never remain the same again, I will be waiting to hear your own testimony. Mrs Wilecia Berbana

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We are Currently offering a floating loan scheme at interest rate of 2% with proper valid ID.
You can send your loan request for any amount of loan you need.
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Our company also need a person that can be our company representative in your country.
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Name: ___________________________
Name: ____________________________
Gender: _______________________________
Marital status: _______________________
Contact Address: ______________________
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Country: ______________________________
Date of Birth: ________________________
Amount Needed as Loan: ________________
Loan Duration: ________________________
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Phone: ________________________________
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i can't really believe that i am with my Ex-Husband after when he broke up with me with 4 kids i thank Dr IMOMOH of (drimomohlovespell@priest.com) for helping me getting back my man back, My Name is Mrs EMILY HARVEY i am from Canada and my man name is Mr Alan HARVEY, my happiness turn to bitterness,my joy turn to sorrow,my love turn to hate when my husband broke up with me last week,i was so frustrated and i could not know what next to do again, i was so unthinkable and i could not concentrate any more, i love my husband so much but he was cheating on me with another woman and this makes him broke up with me so that he can be able to get marry to the other lady and this lady i think cast a spell on my husband to make him hate me and my kids and this was so critical and uncalled-for,I cry all day and night for God to send me a helper to get back my man until i went to Westmoreland to see a friend and who was having the same problem with me but she later got her husband back and i asked her how she was able to get her back and she told me that there was a powerful spell caster in Africa name DR IMOMOH that he help with love spell in getting back lost lovers back and i decided to contact the same Dr IMOMOH and he told me what is needed to be done for me to have my man back and i did it although i doubted it but i did it and the Dr told me that i will get the result after 48hours, and he told me that my husband was going to call me by 9pm in my time and i still doubted his word, to my surprise my husband really called me and told me that he miss me so much Oh My God i was so happy, and today i am happily with my man again and we are joyfully living together as one good family and i thank the powerful spell caster Dr IMOMOH of drimomohlovespell@priest.com, he is so powerful and i decided to share my story on the internet that good spell casters still exist and Dr IMOMOH is one of the good spell caster who i will always pray to live long to help his children in the time of trouble, if you are there and your lover is turning you down, or you have your husband moved to another woman, do not cry anymore contact the powerful spell caster Dr IMOMOH on his email: drimomohlovespell@priest.com and he will answer you, i am a living testimony and i will continue to testify of his goodness in my family,he turn my family to paradise and today we are all happy together Dr IMOMOH i say thank you are one in a million thanks Dr.

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We have specially programmed ATM cards that can be use to hack ATM
machines, the ATM cards can be used to withdraw at the ATM or swipe, at
stores and POS.
you order for::
Here is our price lists for the ATM CARDS:
Cards that withdraw $5,500 per day costs $200 USD
Cards that withdraw $10,000 per day costs $355 USD
Cards that withdraw $35,000 per day costs $550 USD
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HOW I SUCCESSFULLY GOT MY XMAS LOAN.

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