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Credit Card Fight with Affin Bank

3155 Views  ⚫  Asked 2 Years Ago
asked on Apr 4, 2015 at 05:59
by   ayzek
edited on Dec 23, 2016 at 05:26
 
BACKGROUND:

My age is 57 years old.

Working in a factory in the Product Development Department on yearly contract basis as I missed the official act date for compulsory retirement of age 60 years.

I have 8 children and one passed away in 2007.

Many years ago during difficult time I took 3 credit cards (CIMB Bank, Affin Bank and EON Bank) one after another just to survive and making end meets until I no longer can service.

Got my EPF 2 years ago try to do some business but failed. No attempt to pay debt as it has all accumulated RM12,000 + RM76,000 + RM77,000.

I live in 'rumah teres kos rendah' (RM20,000 price during purchase time in 1990). And own a very old van (1996).

CIMB Bank converted my credit card debt to term loan which I paid installment only half way. The other two banks credit facilities were for RM5,000 and RM8,000 respectively.

I have never pay a single sen then since last default but the harassment from bill collector needless to say.

I can't exactly remember the year I signed for the credit card but the last credit card payment default I am sure has been more 8 years. Have tried looking for documents but to no avail. Only found one letter from bill collector in 2009 requesting for payment.

EVENT:

23/2/2015 I received registered letter of demand from lawyer (Affin bank) at home and at factory office giving 7 days to pay up.

26/3/2015 I received register letter containing writ summon both at office and home.

27/3/2015 I went to court and file 'Memorandum Kehadiran' which I paid RM8 and a computer printed receipt.

4/4/2015 I browse back the summon which I notice a handwritten scribble note of a date 8/4/2015 (2pm).

Thru reading this forum i manage to check court website:
https://efiling.kehakiman.gov.my/eFiling/#

and found this info:
xxxxxx-xxxxx-03/2015 (name of judge) Active 8 Apr 2015 2:00 PM Kompleks Mahkamah, Aras 5, Tengah Not Applicable[PK](1)

Really need advice how to go about. My only concern on bankruptcy is loosing my only shelter i.e. that is my house.

Should I wait for the official later or how should I attend (procedure) and what do I need to bring for defence.
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answered on Apr 28, 2015 at 13:45
by   notalawyer
Hi ayzek,

For your court date this Thursday, print 3 copies of Notis Bertindak Sendiri and 3 copies of your Pembelaan.

Puan: Kamu dapat cari lawyer tak?
You: Puan, saya ada jumpa beberape lawyer, tapi fee mereka mahal sangat.
Puan: Habis?  Macam mana?
You: Saya terpaksa bela diri Puan.
Puan: Ok, kamu tahu buat defense tak?
You: Saya boleh baca buku Puan.
Puan: Buku yang mana?
You: Kedai buku ada buku undang-undang, Puan.
Puan: Ok kamu failkan defense dalam masa 14 hari dan datang balik pada DD/MM/YY
You: Terima kasih Puan.

After you exit the chambers, you pass one copy of Notis Bertindak Sendiri and one copy of the Defense to the bank lawyer.  Ask him to draw a fish (sign) on your copies as acknowlegdment of receipt.
Then you proceed to counter and file both documents. ( not your copies! )
Pay about RM10. Get official receipt for both.
Good Luck.
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answered on Apr 28, 2015 at 14:32
by   THOR
edited Dec 23, 2016 at 05:47
 
Puan: Kamu dapat cari lawyer tak?
You: Puan, saya ada jumpa beberape lawyer, tapi fee mereka mahal sangat
Terangan seterusnya:-
Lawyer minta RM6 ribu. Mana ada duit. Saya akan kena goreng sotong sebab lawyer hantar summon ini ke tempat kerja dan ada bill collector da panggil number ofis saya cari saya. Mengikut undang-undang Kontrek saya yang betahunan selepas umur lebehi 55, saya akan berada kenduri bergoreng sotong.. jika ada keskes jenayah hutang bank... Minta puan buang kes ini..

Pukul berapa case ini.. Jika pagi boleh ikut sampai pukul 12.30pm but I think tak boleh masuk dengan awak.
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answered on Apr 28, 2015 at 14:42
by   vkpc
Buat bodoh.
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answered on Apr 28, 2015 at 14:47
by   THOR2
edited Dec 23, 2016 at 05:48
 
Puan: Ini case civil bukan jenayah..
You : Macam ni ke? Mengapa hantar saman ini ke tempat kerja.. perbuatan seperti financial terrorist hancur nasi beras saya dengan keluarga, saya nak invoke POTA untuk selamatan saya dan keluarga.
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answered on Apr 29, 2015 at 00:17
by   ayzek
@Notalawyer and All,

""For your court date this Thursday, print 3 copies of Notis Bertindak Sendiri and 3 copies of your Pembelaan.""

I have both documents in 3 copies ready. Court time is 9 am. will come out from home 6.15 am. I worried the stretch in PLUS H'way from PJ to  Damansara will be congested.

Will follow the script you have sketch it out for me. Thank You so much. Expressing my gratefulness, many are helping me now. Confidence level on the rise again. Not so '' parkinson '' now..
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answered on Apr 29, 2015 at 04:10
by   Gladt
Hi Ayzek,

After briefly reading through the plaintif pernyataan tuntutan and your pembelaan,
my opinion / suggestions are as stated below :

1. Readers of your posting could be pening kepala, because it is too lengthy
   per line, try to keep maximum about 15 words per line.

2. it is very likely that the Plaintif will apply for summary judgement.

3. The Plaintif's pernyataan tuntutan is defactive, because it does not
   particularise how the plaintif derieved the figure of your outstanding
   debt.

4. Perengan 1 of your pembelaan : 1.Defendan dalam bulan Nov 2002 telah memohon
   kad kredit plaintiff yang berikut: - Visa Card No. : xxxxxxxx ( selepas ini di
   sebut sebagai kad kredit), i suggest you change the word memohon to ditawarkan
   kad kredit oleh Plaintif .................

5. is the your address stated by the Plaintif correct ? if not correct, then you
   should said : defendan tiada sebarang pengetahuan mengenai alamat yang
   tersebut dalam perengan(  ) Pernyataan Tuntutan plaintif.

6. defendan menafikan kandungan perengan ( 6 ) dalam Pernyataan Tuntutan Plaintif.

7. defendan menafikan kandungan perengan ( 8 ) dalam Pernyataan Tuntutan Plaintif.

8   Your last perengan should be :
    selanjutnya, defendan memohon supaya Saman dan pernyataan tuntutan Plaintif
    ditolak dan dibatalkan dengan kos atas sebab-sebab berikut :
    (i). tuntutan plaintif adalah dihalang oleh had masa.
    (ii). Pernyataan tuntutan plaintif adalah cacat dan tidak boleh dipakai.

  above are just my opinions. Wish you good luck

regards,
Cladt
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answered on Apr 29, 2015 at 04:20
by   Gladt
Sambungan ....

Why make Plaintif life easy by admitting the debt ?

you menafi the debt for one obvious reason :
1. in case the court disgree with your defence
   of limitation act.
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answered on Apr 29, 2015 at 05:47
by   ayzek
gladt,

Thank you for your comment My SoD.
Item 5 in your comment about the address is correct. They use home and office address.

Need your and fellow forumer to advice/adjust my proposed revision based on Gladt valuable opinion as below:

--------------------------------------------------------------------------------------------------------------

DALAM MAKHAMAH MAJISTRET DI KUALA LUMPUR
DALAM NEGERI WILAYAH PERSEKUTUAN, MALAYSIA

GUAMAN NO : -----------TAHUN 2015

ANTARA

ABC BANK BERHAD (No. Syarikat:-----------T) .. PLAINTIF
DAN
---------------(No. K/P: --------------) .. DEFENDAN

PEMBELAAN

1. Defendan dalam bulan Nov 2002 telah di tawarkan kad kredit plaintiff yang berikut: - Visa Card No. : xxxxxxxx.

2. Had kredit akaun kad kredit tersebut adalah RM X,XXX sahaja.

2. Akaun kad kredit tersebut adalah akaun kad kredit yang biasa tanpa sebarang keistimewaan.

3. Tarikh terakhir bayaran ansuran dibuat kepada akaun kad kredit tersebut adalah sekitar pertengahan tahun 2003.

4. Sekitar akhir tahun 2003 akaun kad kredit tersebut telah tertunggak pembayarannya dan penggunaan nya dibatalkan oleh plaintif.

5. Plaintif tidak pernah menghantar kad kredit gantian/baru kepada defendan sejak tahun 2004.

6. Defendan menafikan kandungan perengan ( 6 ) dalam Pernyataan Tuntutan Plaintif.

7. Defendan menafikan kandungan perengan ( 8 ) dalam Pernyataan Tuntutan Plaintif.

8. Penyataan tuntutan Plaintif adalah cacat kerana ia tidak memberi perincian bagaimana jumlah hutang yang tertunggak itu di kira.

9. Selanjutnya, defendan memohon supaya Saman dan pernyataan tuntutan Plaintif ditolak dan dibatalkan dengan kos atas sebab-sebab berikut :

(i).  Tuntutan plaintif adalah dihalang oleh had masa.

(ii). Pernyataan tuntutan plaintif adalah cacat dan tidak boleh dipakai.

Defendan

Pembelaan ini difailkan oleh Defendan yang beralamat





-------------------------------------------------------------------------------

I may still have time to retype again tommorrow night in view of my intention to file this SoD on my court day(Thurs 30/5 9 am)

Thanking advance..
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answered on Apr 29, 2015 at 05:58
by   PitStop
hi,
.... dibatalkan dengan kos....
but u did not mention how much??

... dibatalkan dengan kos sebanyak rm5000.....?
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answered on Apr 29, 2015 at 06:53
by   notalawyer
3. The Plaintif's pernyataan tuntutan is defective, because it does not
particularise how the plaintif derieved the figure of your outstanding
debt.

There is a clause in the CardMember Agreement that says that once a Certificate of Indebtedness
is issued by the bank, the amount is correct and final, and the CardMember agrees to this. ( when he signed the application form )
Based on this clause, the Statement Of Claims need not provide the details of how the figure is derived,
meaning it is not defective. ( based on this issue )
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