Credit Card Fight with Affin Bank

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asked on Apr 4, 2015 at 05:59
by   ayzek
edited on Dec 23, 2016 at 05:26

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.


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:

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 May 15, 2015 at 02:51
by   jeff005
edited Dec 23, 2016 at 08:14
That lawyer never introduce himself plus made a "gesture ORDER" to go outside. Two old men cannot stand this type of arrogant attitude. As though he is a big teacher or BIG LAWYER and we both children in the classroom..

YES.. we were both layman months ago, but not so from now onwards..

The Judge ticked OFF a few lawyer for wrong affidavits filed and wrong court procedures! Pity them.. all wearing Coats and smart hairstyles but being tick off by the Judge in an open Court.. now looked like kindergarten uniforms! Instead the Judge did smile to the two old men sitting at the gallery, shabbily dressed and with grey hair. At least SHE respects old poor people!
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answered on Jan 28, 2017 at 11:23
by   Izdifah Idah
edited May 6, 2018 at 19:10
I know I am late to say this but thank you! I have learned a lot about legal proceedings after reading this thread. Congratulations @Ayzek and the Avengers that helped him to win the case!
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answered on May 2, 2018 at 16:51
by   vkpc
Round 2 continues here
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