Words From Those We Have Helped
Each person came to us at a different stage and with a different concern. These are some of their accounts, shared with their permission.
Back to HomeClient Experiences
These accounts reflect a variety of situations — from a single guidance session to matters that needed more sustained support.
Rozita Salim
Petaling Jaya, Selangor
I had received a letter from EPF about a discrepancy in my account and had no idea what it meant. My son suggested I see someone before responding. The guidance session here was exactly what I needed — Ahmad Hafizuddin went through the letter line by line, and by the end I understood what had happened and what my options were. I did not feel hurried at any point.
June 2025 • Pension Guidance Session
Mohd Hairi
Klang, Selangor
The correspondence with the pension authority had been going on for several months and I was finding it hard to keep up. Norizan took over the letters and things moved more smoothly from there. She always showed me the drafts before sending, and she explained what the replies meant when they came in. My only wish was that I had found them sooner.
May 2025 • Ongoing Correspondence Support
Lim Teck Wah
Shah Alam, Selangor
My late father's pension was in dispute after his passing and the matter had reached the point where a formal hearing was needed. Payung Restu handled everything — they prepared the documents, managed all the communication with the relevant bodies, and came with us on the day. We felt fully supported throughout a very difficult process.
June 2025 • Assistance & Representation
Faridah Ahmad
Subang Jaya, Selangor
I came in just for a guidance session to make sure I understood a pension adjustment notice before my retirement. The appointment was unhurried and the adviser was patient with my questions — some of which I later felt were quite basic. I left with a written summary which I found very useful for reference. Would certainly recommend to anyone in a similar situation.
July 2025 • Pension Guidance Session
Zulkifli Mansor
Shah Alam, Selangor
I was anxious about the whole situation but Zulaikha was very reassuring from the first phone call. They explained everything at a pace I could follow. The written summary they sent after our session was particularly helpful — I could refer back to it when I was thinking through my options at home.
June 2025 • Pension Guidance Session
Norazlin Kamarulzaman
Kajang, Selangor
We engaged Payung Restu to handle the pension correspondence for my mother, who was finding it hard to manage on her own after my father's illness. The team was considerate and kept us informed at each step. The process took about three months in total and we always felt like we knew where things stood.
May 2025 • Ongoing Correspondence Support
How We Have Helped — In Detail
These accounts describe the nature of the challenge, how we approached the matter, and what changed as a result.
Case: Civil Servant Pension Adjustment Dispute
The Challenge
A retired government officer received a notification that their pension had been recalculated and reduced. The letter cited a service period discrepancy but did not explain how this had been arrived at. The client did not know whether to accept it or object.
Our Approach
We reviewed the service records and the calculation methodology used by the relevant department. We identified an error in the treatment of a leave period and drafted a formal objection letter setting out the discrepancy with supporting documentation.
The Outcome
The recalculation was reviewed and the error acknowledged within 11 weeks. The pension was reinstated at the correct amount. The client proceeded with Correspondence Support only — no formal hearing was required.
"I had resigned myself to accepting the reduction. I did not know I had grounds to object until Payung Restu looked at the paperwork."
Case: Deceased Estate Pension Claim
The Challenge
A family approached us after a pension fund declined their claim for a deceased member's accumulated balance. The fund cited incomplete documentation from the estate and was not responding to the family's letters.
Our Approach
We gathered the outstanding estate documents, liaised with the fund's legal team directly, and when initial correspondence did not produce a satisfactory response, we prepared a formal representation file and attended a meeting with the fund on the family's behalf.
The Outcome
The claim was resolved and the full balance released to the estate within 14 weeks of our formal involvement. The family had previously been dealing with the fund without professional assistance for over eight months.
"After months of getting nowhere, having someone step in and deal with it properly made an enormous difference to the family."
Reach Us Directly
Telephone
+60 3-5518 2694Address
No. 3, Persiaran Perbandaran, Seksyen 14, 40000 Shah Alam, Selangor
Office Hours
Mon – Fri: 9:00 am – 5:30 pm
Saturday: 9:00 am – 1:00 pm
At a Glance
11
Years Serving Clients
480+
Clients Assisted
4.7
Average Rating / 5
96%
Client Satisfaction
Professional Credentials
Malaysian Bar
Active member in good standing. Principal adviser called to the Bar in 2009.
PDPA 2010 Compliant
All client data handling reviewed annually against Malaysia's Personal Data Protection Act 2010.
Legal Aid Panel
Recognised on the Selangor state legal aid panel for pension-related matters since 2018.
We Are Here When You Are Ready
There is no commitment in reaching out — only a calm space to describe your situation and hear what might be helpful.
Get in Touch