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bankruptcy and credit card debt

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asked on Feb 22, 2015 at 23:37
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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 25, 2015 at 23:37
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Go to CTOS and have a current reading before going to JIM again. Plan well this time and make things right this round..
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answered on Feb 26, 2015 at 00:59
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@Jeff

Thanks a lot .
Is it still go to BNM to get the CTOS report .
After getting the report what should next to do .
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answered on Feb 26, 2015 at 01:04
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Did you ever have a "Creditors Meeting" with all the banks.??

No , I never attend any of this meeting .at that time the AO also didn't told me about that .
Just Pass the form , i forget what form already which to declare the spending of the 6 month.
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answered on Feb 26, 2015 at 01:51
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No CTOS at BNM.

CTOS is a private company near KLCC centre, next to PBB HQ. But you can register online to get it. Google..

JIM is also at fault with ineffective staff. Things are not probably done correctly in the first place resulting in bankrupts not able to be discharged for not fulfilling the R&R. If I read correctly, if a bankrupt files for discharge thru the High Court, a "Deed of Memorandum" has to be filed being one of the required documents unless it is "full settlement". It is the agreement between all the creditors and the bankrupt with JIM as the trustee of the "estate".
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@King
Bro, yr hp got CTOS, how did you do it? Annual fees or per req??
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answered on Feb 26, 2015 at 02:18
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Hi Alvin,

You need CTOS to confirm which bank has got Judgement Debtor awarded to you. The other banks, by now would be veryvery huge amounts. If over 6 years no legal action( NO Judgement Creditor ), the debt "can be thrown out", gone if they file P.O.D. to JIM now.
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answered on Feb 26, 2015 at 03:05
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@
  I already online register to the CTOS , need to wait for 3 working days for my register to be active.
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answered on Feb 27, 2015 at 00:44
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@Jeff

  How to read the CTOS report from self check . My account already been active . I see nothing from the report .
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answered on Feb 27, 2015 at 02:09
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Funny? Your bankruptcy proceedings should have been captured. Call them on their hotline.
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answered on Feb 27, 2015 at 04:23
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@
CTOS self check report is the only one report ,or i need to obtain the credit report.
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answered on Feb 27, 2015 at 04:28
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@Jeff ,Below is the statement for the self check report .

 

Notis Berkanun - Notis Tentang Pemprosesan Maklumat Kredit
Seksyen 23 Akta Pelaporan Kredit 2010 menwajibkan kami untuk memberitahu anda bahawa kami telah menerima and memprocses maklumat berkenaan anda sepertimana disenaraikan di dalam laporan Semakan Diri CTOS yang dilampirkan. Adalah penting bahawa anda memastikan laporan anda adalah tepat, terkini, lengkap, sesuai dan tidak mengelirukan. Anda digalakkan untuk menjalankan Semakan Diri dengan CTOS dari semasa ke semasa untuk memastikan laporan kredit anda adalah tepat, lengkap dan terkini. Ini, akan menpercepatkan proses membuat keputusan dan mengelakkan sebarang kelewatan dalam proses permohonan kredit atau permohonan kerja daripada bank-bank dan/atau syarikat-syarikat yang kebanyakan daripada mereka adalah pengguna kami.
Bagaimana Mendapat Laporan Diri Tuan - Semakan Diri
Anda boleh menghubungi kami dengan butir –butir hubungan kami seperti yang berikut untuk mendapatkan laporan semakan diri CTOS anda pada bila-bila masa. Anda boleh mengemaskinikan / membuat pembetulan atas sebarang maklumat yang dianggap tidak tepat, tidak terkini, tidak lengkap atau mengelirukan di dalam laporan kredit anda dengan memberikan dokumen yang menyokong pembetulan tersebut.
Tujuan Pengumpulsemakan Maklumat:
Pelanggan kami mungkin memerlukan laporan tentang anda apabila anda, perniagaan atau syarikat anda berniaga atau berurus niaga dengan mereka. Mereka memerlukan laporan tentang anda untuk berbagai tujuan termasuk membuka akaun, memberikan kredit atau pinjaman, sewa-beli/pajakan/penyewaan atau pembelian hartanah atau kelengkapan, pemfaktoran, insurans, pemberian khidmat, pembukaan akaun, pekerjaan, dokumentasi undang-undang, dan sebagainya. Pelanggan kami termasuk individu, perniagaan dan syarikat, kerajaan dan badan berkanun, kelab, koperasi, bank komersil, bank pelaburan, syarikat insurans, bank pembangunan, bank koperasi, broker saham, pengeluar sistem pembayaran, pemberi pinjam wang berlesen, tuan tanah, syarikat perdagangan dan komersil, agensi pekerjaan, profesional seperti peguam, akauntan, penilai hartanah dan lain-lain.

CTOS Data Systems Sdn Bhd
Unit A-8-4, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur.
Tel : 03-2722 8833 Faks :03-2722 8822 Emel : ctosid@ctos.com.my Laman Web : www.ctos.com.my

Statutory Notification : Processing Your Credit Information
Section 23 of the Credit Reporting Agency Act 2010, requires us to notify you we have collected, received and processed information about you particulars of which may be found in your CTOS Self Check Report. It is important that you ensure your report is accurate, up-to-date, complete, relevant and not misleading. You are urged to perform CTOS Self Check from time to time. By ensuring your credit report is accurate, complete and up-to-date, you can speed up the decision making process and avoid delays in the processing your credit or job applications with banks or businesses, many of whom are our subscribers.
How to Obtain Your Own Report – Self Check
You may request a copy of your CTOS Self-Check Report at any time by contacting us. Our contact particulars are as stated below.
You may update/correct any information in your credit report you deem inaccurate, not-up-to date, incomplete, misleading, by providing us the necessary documents to support the update or correction.
Purpose Of Information Collation:
Our subscribers may need your report when you, your business or company deal or transact with them. They may require your report for various purposes including, opening of account, extension of credit or loans, review of credit lines extended or review of account relationship which may be done from time to time, hire-purchase/leasing/rental contracts, property or equipment purchases, factoring, insurance, provision of services, job employment, legal documentation, etc, amongst others.
Our subscribers include individuals, businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, investment banks, insurance companies, development banks, cooperative banks, stock brokers, payment systems issuers, licensed moneylenders, landlords, trading and commercial companies, employment agencies, professionals eg. lawyers, accountants, property valuers, etc amongst others.

CTOS Data Systems Sdn Bhd
Unit A-8-4, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur.
Tel : 03-2722 8833 Fax :03-2722 8822 Email : ctosid@ctos.com.my Website : www.ctos.com.my

法定通知 - 处理信用资料通告
根据2010信用报告机构法令第23条款的规定,我们必须通知您,我们已收集收和处理有关您的资料,详情已列明在自我检查报告中。确保有关您的报告是准确、最新、完整、相关和不具误导性是重要的。因此,我们鼓励您不时的向CTOS进行自我检查。通过确保您的信用报告是准确,最新和完整,这可以加快整个决策过程,并可避免您向银行或企业的贷款申请和/或求职申请面对延误处理的情况。其中许多银行和/或企
如何获取您本身的报告-自我检查
您可随时联系以下的联络资料以获取您的CTOS自我检查报告。在自我检查的报告中,您可提供我们所需要的文件以更新您认为是错误,不准确, 不完整, 或具误导性之任何资料的记录。
整理资料的目的:
当您或您的商业或公司跟我们的用户处理或办理业务时,他们可能需要您的报告。他们可因各种目的而需要您的报告,目的包括开设帐户、提供信贷或贷款、租购/租赁/出租或购买产业或设备、代理、保险、提供服务、开设帐户、雇佣、法律文件等等。
我们的用户包括个人、商业或公司、政府和法定机构、俱乐部、合作社、商业银行、投资银行、保险公司、雇佣机构、专业人士如律师、会计师和产业估价师等。

CTOS Data Systems Sdn Bhd
Unit A-8-4, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur.

 
 

CTOS Self Check Report strictly for Self Check request only
Explanation to Report
This CTOS Self Check report is currently in 4 section, ie A, B, C, and D.
Section A : Identity Verification Guide (IVG)
Section B : Not Applicable
Section C : Directorships and Business Interests (DABI module)
Subject's directorships & business interests (present & past) in Database.
Section D : Summons, writs, bankruptcy proceedings, foreclosure, etcs
Cases reported here do not show the 'current status', please check with the relevant parties.

 
 
    
CTOS Self Check Report strictly for Self Check request only
CTOS SELF CHECK REPORT DATED 2015-02-26
Name :  Date : 2015-02-26  10:14:59
New IC No :  Report No. : 7533-20150226101459
IC No :  Attended By : SELFCHECK_CDS (selfcheckcds)
**IMPORTANT : This report is confidential. Reproduction is prohibited. Report only indicates the information was published in or filed at the relevant source. It is NOT intended as confirmation of the 'current status' of the case. For the case's current status, your further probe with the relevant parties is required. In cases of 'name MATCH', you should seek an identity confirmation from the relevant parties. Any judgement, order or action where indicated, could have subsequently been settled, quashed, rescinded, revoked, set aside, annulled, struck off or dismissed. Please check with the relevant parties.

SECTION A - IDENTITY NUMBER VERIFICATION
    
New ID : (NEW ID MATCH) ID : (ID MATCH)

 
Name :

 
Address :

 
Source : NATIONAL REGISTRATION DEPARTMENT

Note: The above verification is match against a huge collection of Malaysian IDs which are independent of any IDs that may appear in other sections of this report. Although normally reliable, they are NOT FREE from errors. Therefore, it can only be used as a guide. Should the above verification conflict with your input, please make further verification with the relevant authorities. If indeed the information provided here is incorrect, please inform CTOS at Tel:03-27228833 (ID verification Department).

SECTION B - INTERNAL LIST

No Match Found

SECTION C - DIRECTORSHIPS AND BUSINESS INTERESTS

No Match Found

SECTION D

No Match Found

SECTION D2 SUBJECT AS PLAINTIFF

No Match Found

---------- End of Report ----------
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