Client Experiences
What Clients Say About Working with Us
Honest accounts from people who came to us with pension questions and wanted a clear, written picture of where they stood.
Back to Home20+
Years in Practice
430+
Clients Assisted
4.8
Average Rating (of 5)
3
Languages Served
What Clients Say
Client Reviews
These are representative accounts. Names and locations are used with permission; some personal details have been adjusted at the client's request.
Rosita Hamid
Kuching, Sarawak
"My late husband's pension matter had been sitting unresolved for two years. After one meeting at Jalan Padungan, I finally understood what documents were needed and what the process actually involved. The lawyer was direct with me about what was realistic, which I appreciated. We ended up getting a written opinion rather than full representation, and it helped me decide to proceed on my own from there."
Written Opinion service · July 2025
Ahmad Bakar
Sibu, Sarawak
"I called from Sibu and did the first meeting by video. I was not sure if that would work as well as being there in person, but it was fine — they sent me notes the next day and a list of documents to gather. The only thing I would say is the document list was quite long, so be prepared for that. Overall very straightforward to deal with."
First Meeting service · June 2025
Tan Li Ping
Kuching, Sarawak
"My father had worked for three employers over forty years and the EPF records were difficult to reconcile. Payung Seri reconstructed the whole history and handled all the correspondence. It took about eleven months in total. They told me at the start it would likely take that long, so there were no surprises. I received written updates four times during the process — each time something meaningful changed."
Long-Running Representation · Completed May 2025
Mohd Nizam bin Ismail
Kota Samarahan, Sarawak
"The written opinion was exactly what I needed. I had received a letter from the scheme administrator that I could not fully understand, and I wanted to know whether it was worth pursuing further. The opinion told me it was not — clearly and with reasons. It saved me from spending more money and time on something that had reached its limit."
Written Opinion service · July 2025
Shirley Chia
Miri, Sarawak
"I came to the first meeting quite uncertain about whether I had a case at all. The lawyer looked at the letters I had brought and was straightforward — there was something worth looking at, but it would depend on documents I had not yet gathered. She gave me a specific list. I went away and found most of them. That process itself was useful — it made me understand my own situation much better."
First Meeting service · June 2025
Zainab binti Abdullah
Kuching, Sarawak
"I brought my mother along to the meeting because the matter concerned her late husband's pension entitlements and she wanted to be involved. The meeting was conducted partly in Bahasa Malaysia and partly in English, which helped her follow what was being discussed. The notes they sent afterwards were also straightforward enough for her to read herself."
First Meeting service · July 2025
Case Outcomes
How Some Matters Have Progressed
These summaries describe real matter types we have handled, with identifying details changed. They are intended to give a realistic picture of the process and outcomes.
Case Study — Long-Running Representation
Reconciling a 30-Year Service History Across Three Employers
The Challenge
A retiree had worked for three employers over thirty years, with periods of both EPF contributions and civil service pension coverage. The scheme administrator's calculation did not match his own records, but he had not been able to identify the specific discrepancy.
What We Did
We reconstructed the contribution history from payslips, employment records and scheme statements obtained through formal requests. We identified two periods where contributions had not been correctly allocated and prepared written submissions setting out the basis for correction.
The Outcome
One discrepancy was resolved through correspondence after about seven months. The second required a hearing and was resolved twelve months after instructions were received. The client attended neither sitting and was kept informed by written update throughout.
"I had largely given up on this. Coming to Payung Seri was almost a last attempt. I am glad I did."
Case Study — Written Opinion
Understanding a Dependant's Entitlement After a Spouse's Death
The Challenge
A widow had received a lump sum payment following her husband's death but believed she may have been entitled to an ongoing pension payment rather than — or in addition to — the lump sum. She had received conflicting information from two different sources.
What We Did
We reviewed the scheme rules applicable at the time of the husband's retirement, his service record and the payment notice she had received. We prepared a written opinion setting out the basis of the lump sum payment and whether an ongoing benefit had also been available.
The Outcome
The opinion confirmed that the lump sum payment was the correct entitlement under the scheme as constituted at the time, and set out why the alternative interpretation was not supported by the rules. The client was able to close this matter with a clear understanding of the position.
"The written opinion told me what I needed to know. It was clear, and I could share it with my children so they understood it too."
Case Study — First Meeting Leading to Written Opinion
Finding the Right Path After an Internal Complaint Was Rejected
The Challenge
A client had made a formal complaint to his scheme's internal complaints process and received a rejection letter that offered no detailed reasons. He was not sure whether to accept the decision or challenge it, and if the latter, how.
What We Did
After a first meeting, the client instructed us to prepare a written opinion. We reviewed the complaint, the scheme rules and the rejection letter, and prepared an opinion that set out three possible routes forward with the likely time, cost and prospects associated with each.
The Outcome
On reading the opinion, the client chose to pursue the most direct route — a formal submission to the relevant authority. He instructed us to handle that, and the matter was resolved through correspondence without the need for a hearing, approximately eight months after the written opinion was delivered.
"The options table in the report was what helped me most. I could see what each path looked like before deciding."
Reach Our Office
Get in Touch
Telephone
+60 82 419 268Office
22 Jalan Padungan
93100 Kuching, Sarawak
Hours
Mon–Fri 9am–5:30pm
Sat 9am–1pm
Credentials
Professional Standing
Malaysian Bar
Admitted advocates and solicitors in good standing
PDPA 2010 Compliant
Personal data handled under Malaysian law
Indemnity Insured
Full professional indemnity cover maintained
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