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Boleh kah penjamin atau guarantor saman peminjam loan?

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asked on Feb 6, 2015 at 05:47
by   lissa
edited on Oct 3, 2017 at 03:50
 
Saya telah diisytihar bankrap oleh pihak Insolvensi Malaysia. Dan atas sebab kerja, saya dikehendaki membuat bayaran ke Jabatan Insolvensi Malaysia setiap bulan untuk membolehkan saya keluar negara. Saya perlu membayar sejumlah RM20,000 kepada pihak Insolvensi dan buat masa ini saya telah membayar sebanyak RM5,000 dan bulanan RM399 sebulan.

Peminjam telah melarikan diri dan tidak nak bertanggungjawab. Soalan saya boleh tak saya saman peminjam untuk bayar balik loan Insolvensi saya? Jika boleh bagaimana caranya? Adakah perlu saya menunggu sehingga saya habis bayar RM20,000 itu dengan Jabatan Insolvensi? Atau boleh proceed saman sekarang. Sebab saya tahu semua details pasal dia. Dan dia mampu untuk bayar loan itu.
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7 Answers

answered on Feb 6, 2015 at 10:40
by   vkpc
Tak boleh
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answered on Feb 6, 2015 at 19:13
by   Anonymous
edited Oct 3, 2017 at 03:55
 
Ada masaalah dengan posting anda. Awak di diisytihar bankrap untuk debt sebanyak RM20,000? Legal minimum is above RM30,000.

Awak penjamin. Baca kes 'nurain':
https://www.lawyerment.com/answers/questions/10099/penjamin-tak-dapat-buat-pinjaman-kerana-hutang-loan-kereta-8-tahun-lalu-bagaiman

Act 360
BANKRUPTCY ACT 1967

Section 5 (3)

Conditions on which creditor may petition

(3) A petitioning creditor shall not be entitled to commence any bankruptcy action against a social guarantor unless he proves to the satisfaction of the court that he has exhausted all avenues to recover debts owed to him by the debtor.

Section 38 (1)

38. (1) Where a bankrupt has not obtained his discharge—

(a) the bankrupt shall be incompetent to maintain any action (other than an action for damages in respect of an injury to his person) without the previous sanction of the Director General of Insolvency.
In short inferred by the above Section 38.1, you have no locus standi to saman anybody while being a bankrupt. And after being discharged as a bankrupt, you cannot sue the peminjam for what you have paid the bank thru Jabatan Insolvensi Malaysia. The peminjam did not owe you any moneys. Who ask you to be penjamin or guarantor?

If you have accurate details of the peminjam, by all means 'tarik' him into the bankruptcy issue like a 'hantu laut, masuk dalam air juga'. Inform the bank, and especially Jabatan Insolvensi Malaysia.
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answered on Feb 6, 2015 at 22:57
by   lissa
edited Oct 3, 2017 at 04:13
 
Saya kena bayar RM20,000 sebagai penjamin kereta dan peminjam kena bayar RM40,000 kalau tak silap saya sebab sepanjang saya pergi Jabatan Insolvensi, pihak Insolvensi bagi tahu peminjam (juga telah diistihar bankrap) tak pernah sekali pun datang untuk cuba selesaikan hutang dia kecuali saya penjamin ini yang datang bayar. Saya hubungi peminjam untuk suruh dia settlekan debt dia dengan Jabatain Insolvensi tapi dia tak heran nak bayar. Sekarang ini saya nak tahu jika saya bayar hutang Insolvensi itu boleh kah saya saman peminjam untuk bayar balik amaun yang saya dah bayar kepada Jabatan Insolvensi Malaysia?
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answered on Feb 6, 2015 at 23:11
by   lissa
edited Oct 3, 2017 at 04:15
 
Ya, tak ada siapa yang nak benda ini jadi. Kalay saya tahu dia tak nak bayar kereta tu memang lah saya tak jamin dia. So kalau you tanya, who ask me to be a guarantor or penjamin, memang peminjam lah yang ask. Takkan saya suka-suka offer diri nak jadi penjamin.. Adui!
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answered on Feb 7, 2015 at 01:06
by   jeff005
edited Oct 3, 2017 at 04:43
 
Boleh kah penjamin atau guarantor saman peminjam loan?
Tak boleh. Tak ada bukti untuk buat begitu. Moreover the hirer is also a bankrupt not reporting in to Jabatan Insolvensi Malaysia.

Please also take serious note of bankruptcy laws and laws pertaining "Guarantors". You are jointly and severally responsible for the full bankruptcy debt of RM20,000+RM40,000=RM60,000 (plus including court awarded interests plus costs of bankruptcy proceedings). Since your friend has 'lari' even from Jabatan Insolvensi Malaysia, you will have to bear the full amounts if you want an earlier discharge. Read on "Discharge from Bankruptcy" under this very section of this forum. If your Official Assignee or Jabatan Insolvensi Malaysia says you have to pay only RM20,000.. please get letter from them fast fast..

There is no legal recourse for guarantors. I am sorry for your plight.
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answered on Sep 8, 2017 at 20:36
by   Naura
edited Oct 3, 2017 at 04:46
 
Nak tanya kalau penjamin yang bawa lari kereta boleh tak kita saman penjamin tu?
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answered on Sep 8, 2017 at 21:02
by   jebat
edited Oct 3, 2017 at 04:47
 
Nak tanya kalau penjamin yang bawa lari kereta boleh tak kita saman penjamin tu?

Boleh tapi tak perlu.
Buat laporan polis dan beritahu dalam laporan siapa yang mencuri kereta tersebut.
Biar polis cari dan dapatkan balik kereta anda.
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