From Our Clients
What Clients Have Said
The accounts below are drawn from clients who have engaged Permata Senja for pension briefings, dispute correspondence, and family pension planning.
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Clients Served
12+
Years of Practice
4.9
Average Rating
92%
Dispute Settlements
Client Accounts
In Their Own Words
Sarimah Mohd Noor
Ipoh, Perak · March 2025
I came in not knowing what my KWSP statement actually meant. The lawyer read through everything with me, line by line. I left with a written summary I could actually share with my daughter. It was the first time I felt I understood my own retirement situation. Nothing was rushed.
Plain-Language Pension Briefing
Krishnamurthy Velayutham
Taiping, Perak · February 2025
My former employer had miscalculated my years of service by almost two years. I was hesitant to take any action because I did not know how to begin. Permata Senja wrote formal letters on my behalf and kept me informed throughout. The matter was settled in writing within eight weeks. I received copies of everything.
Employer Pension Dispute Correspondence
Lim Huei Fong
Ipoh, Perak · April 2025
Our family used the multi-generational service. There are three of us — my mother, myself, and my eldest son who is already working. We needed our wills and EPF nominations to make sense together, not separately. The sessions were spread over four months and we never felt hurried. We now have a clear picture across three generations.
Multi-Generational Pension Plan
Ahmad Rizal Hamdan
Batu Gajah, Perak · January 2025
I arranged a briefing session for my father, who is 71 and had never felt confident about his pension documents. He told me afterward that it was the first time in his life he had understood what his retirement savings actually amounted to. The written summary now sits in his files. A simple thing, but it mattered enormously to him.
Plain-Language Pension Briefing
Pushpalatha Perumal
Sungai Siput, Perak · March 2025
After thirty years in the same company, I was told my gratuity calculation did not include a two-year secondment period. I was certain this was wrong but did not know how to argue it. The formal letters prepared by Permata Senja were thorough and professional. The company revised their position. I would not have known where to begin on my own.
Employer Pension Dispute Correspondence
Zainudin Abu Bakar
Ipoh, Perak · February 2025
I had meant to sort out my will and EPF nomination for years, but it always felt too complicated to begin. The multi-generational service gave us a structure — my wife and I attended together, and our son joined for some sessions. By the end, our documents were in order and we both understood what we had signed. The pace was entirely ours.
Multi-Generational Pension Plan
Detailed Accounts
Three Engagements, More Fully Told
The Situation
A retired schoolteacher, 68, had received three different KWSP statements over two years with figures that did not reconcile. Her daughter, concerned, brought her to see us.
Timeline: one session, written summary within two days
What Was Done
The three statements were reviewed together. The discrepancy was explained — two of the figures reflected different calculation dates, not errors. A one-page summary was prepared explaining each figure and what it meant for the client's retirement position.
The Outcome
The client left with clarity about her own situation and a written summary she could share with her daughter. No further engagement was required. She described it as "the clearest anyone has ever explained anything financial to me."
Service used: Plain-Language Pension Briefing
The Situation
A 62-year-old factory supervisor who retired early found that his employer had not included overtime payments in the gratuity calculation, contrary to his employment contract.
Timeline: six weeks from first letter to settlement
What Was Done
Employment records were gathered. A formal letter was sent to the employer's HR department, citing the relevant contract clause and the Employment Act 1955. A follow-up letter was required when the initial response was unsatisfactory. Copies of all correspondence were provided to the client throughout.
The Outcome
The employer revised the gratuity calculation and issued a supplementary payment. The matter was resolved in writing without any formal proceedings. The client received the full amount to which he was entitled under his contract.
Service used: Employer Pension Dispute Correspondence
The Situation
A family of three generations — grandparents approaching retirement, a parent mid-career, and an adult child recently employed — wanted to understand their collective pension position and coordinate their estate documents.
Timeline: five months, eight sessions across the family
What Was Done
Sessions were held with family members separately and together. Wills were prepared for the grandparents and the parent. EPF nominations were reviewed and updated across all three generations. A family caregiving agreement was drafted. All documents were explained in full before signing.
The Outcome
The family emerged with coordinated estate and pension documents and a shared understanding of their situation. The grandmother noted that the process had brought the family into conversations they had long avoided having. The pace of the engagement had made those conversations possible.
Service used: Multi-Generational Pension Plan
Professional Standing
Our Credentials
Malaysian Bar Member
Admitted and in good standing under the Legal Profession Act 1976.
Perak Bar Committee Member
Active participation in the regional bar committee since 2017.
Professional Indemnity Cover
Full professional indemnity insurance maintained in accordance with Bar requirements.
Reach Us
Telephone
+60 5-2467 8391Office
Suite 12-A, Jalan Sultan Yussuf
30000 Ipoh, Perak, Malaysia
Office Hours
Monday – Friday: 9:00 am – 5:30 pm
Saturday: 9:00 am – 1:00 pm
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