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bankruptcy and credit card debt

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asked on Feb 22, 2015 at 23:37
by   LOH19
I was already been sue under bankruptcy before ,around 1999 which sue by the MBF finance due the to credit card debt.
I also declare all my credit card debt from another bank to the bankruptcy officer into my files .
after that i was make a monthly payment which already deal with the officer but however after a 1 years i was lap the payment until now .since on years 2010 i was able to process to open an bank account and apply for the Passport .Is it already been discharge from the bankruptcy .I can use a Passport to go another country .
But suddenly i received a bank statement from Am Bank that state down my credit card debt was RM387K, already been couple of years when i was sue into bankrupt no statement.
Anyone can help me what can i do .
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answered on Feb 23, 2015 at 03:46
by   jeff005
Sori Frenz... Only your OA in JIM can answer you.. and you would bettter withdraw most of the moneys in the bank account asap and renew your passport for another 5 years asap. Dispose any notable assets you have acquired in between this period.
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answered on Feb 23, 2015 at 04:40
by   LOH19
Hi Jeff05 ,

  Beside withdraw all the money from bank , what should i do now .
  Due to my all finance debt at outside from bank are settler i want to start make a clearance bank credit card debt.
  i totally own seven bank on the credit card debt.
  2 of the the bank are below RM6 K , then 2 are around rm15k .then follow by the top more debt 3 bank all will be  
  around rm 60 k from the statement now show ,one of them is AM bank suddenly received statement of RM387k .
I was about 11 years not pay for all the bank single cents.
is it the AM bank was take over MBF the amount when at JIM was about rm35K.
I check with one of the another bank the debt i own they given to me is still the same to the time i declare to the JIM .
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answered on Feb 23, 2015 at 13:27
by   vkpc
Beside withdraw all the money from bank , what should i do now.
You should keep some money in the bank and keep it active by having transactions at least once a month.

You can ignore any statements or calls from Ambank who is just trying their luck with everybody.

You said you have not been discharged from bankruptcy but is now able to get a passport and travel.
Are you sure about this?
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answered on Feb 23, 2015 at 15:57
by   LOH19
Yes , I have apply for the passport and renew it on years 2011 and 2013 ( without any letter or agree by JIM , not like years 2000 when i want to open an account also need the release letter from JIM). for the Pass years i was travel to singapore almost 7 day per month due to the working needed .
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answered on Feb 24, 2015 at 00:35
by   Jeff
Yes , I have apply for the passport and renew it on years 2011 and 2013 ( without any letter or agree by JIM , not like years 2000
1/ I would like confirmation on this fact. In the year 2011, u have applied for a brand new passport or was it an extension/renew on the "old passport".?

2/ MBF made you a bankruprt in 1999. Did you have any credit cards or loans with AMFinance? Or even AmBank?

3/ What was stated in the Ambank statement? Just RM387K or there are other "notices".? If there is, post the details here.( Example of notices.. New ac no, old ac no, line of credit no....)

As advised by Mr. vkpc, just ignore the AmBank calls and do not reply at all. A lot of missing facts in your case. Nothing much will happen to you since you are already a bankrupt. Only that any application for discharge will take longer to be achieved.

Due to my all finance debt at outside
Legal and illegal moneylenders(Ah Longs).?? Football debts??

I was about 11 years not pay for all the bank single cents.
No worry, u wont be jailed for not able to pay. A bankrupt is never expected to have any monies to pay.. hahahaa..

i want to start make a clearance bank credit card debt
Easier said than done. How old are you now? M/F? Married/with kids?

Anyone can help me what can i do
There are too many "missing links". There are a lot of things you can do, and things you need not do. The FIRST is dun panic.!!

All I can assume at the moment is there can/MAY be a breach in security in JIM and Immigration(To your advantage). Answer all questions and "we" pool all heads to solve your issue and wat's next...
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answered on Feb 24, 2015 at 02:55
by   LOH19
Yes , I have apply for the passport and renew it on years 2011 and 2013 ( without any letter or agree by JIM , not like years 2000
1/ I would like confirmation on this fact. In the year 2011, u have applied for a brand new passport or was it an extension/renew on the "old passport".?

I was apply for the band new passport at 2011 , I don’t have the passport before that.

2/ MBF made you a bankruprt in 1999. Did you have any credit cards or loans with AMFinance? Or even AmBank?

No , I don’t have any banking or loan with the AM bank .I just have the MBF credit card.

3/ What was stated in the Ambank statement? Just RM387K or there are other "notices".? If there is, post the details here.( Example of notices.. New ac no, old ac no, line of credit no....)

On the statement just have as below.
Card NO          Card Type         Credit Limit  Current Bal   Min Payment  Available credit limit
Xxxxxxxxxxxx0110 Master Reg Classic LOC 6,000        387,274.38     381,274.38   381,274.38CR

Due to my all finance debt at outside
Legal and illegal moneylenders(Ah Longs).?? Football debts??

AH long .due to the previous try to pay a minimum to all 7 bank credit card debt was burn off .

i want to start make a clearance bank credit card debt
Easier said than done. How old are you now? M/F? Married/with kids?

I still single  , 42 now .I know my fact so no marrie.
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answered on Feb 24, 2015 at 03:01
by   LOH19
Can I go to BNM to get my ccris report at this moment .
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answered on Feb 24, 2015 at 04:04
by   jeff005
Ha Ha Ha Ha Haa....
How to ban you from travelling when u do not have a passport prior to bankruptcy?

You are one lucky guy..!!

Can I go to BNM to get my ccris report at this moment
No need. How to have a report when you have not paid a single sen for the past 11 years?

Frenz.. Relax lo.. Take a Break.. Have a Kit Kat.. Go out and have a teh tarik now.. Go find a nice girl and start a family.. Continue next few days.... You have only delay your discharge from bankruptcy..
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answered on Feb 24, 2015 at 05:27
by   LOH19
@Jeff

  Thanks a lot .
  But what should i do next besides AM bank I still owning another 6 bank credit debt.Is it need to pay back the debt
  to another bank got two bank is below RM6K.
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answered on Feb 25, 2015 at 23:32
by   jeff005
You have broken 1 Bankruptcy Law oledi. This may delay your application for discharge. Nvm no serious harm done. You have make overseas travel without the consent of DGI... hahahahaaaa  brilliant..!!  My sifu oso scratching his head.. me too.. @king too.. many others. That is why your initial post states discharged from bankruptcy just bcoz you can travelled..!! You hoodwink that lawyer too....

Obviously you have not file your SOA properly. Did you ever have a "Creditors Meeting" with all the banks.?? If not properly done, all the old problems surface again after 10years.. even after 20years later.

Nvm, after 11years, you can appeal to start afresh again for the case management for the next 5 years. No hurry. Focus on what you can do, would do, should do... then only go JIM again.. Just throw AmBank issue away. But keep the statement and show the world how stupid this bank is. Bankrupt ppl already and still want to do so again... ASKHOLES..!!
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