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What's the impact of bankruptcy? Can bank reject AKPK proposal?

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asked on Apr 7, 2015 at 15:13
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edited on Aug 24, 2016 at 04:30
 
Currently I undergoing the bankruptcy process with Bank X due to hire purchase. I tried my best to find ways to avoid bankruptcy with some proposal which I need some advice and miracle ideas from this group. I would much appreciate that.

I had a house (2 owners, me and my mom) which also loan under the same Bank X. I have paid up and transferred the ownership to my mom and my brother 8 months ago, which my mom has fully paid with her and my brother's money.

My questions is as below:

1. What would be the impact to this house if I am being adjudged a bankrupt?
2. What is the impact to my spouse and children's if I am a bankrupt?

Here's my scenario:

Car: NAZA Ria 2.5cc Special Edition

3-10-2011
- 1st case for 'tuntutan baki pinjaman.'
I attended the court case and requested the court to auction the car (which at the moment I have surrendered for volunteer repossession) and I told the judge that I would pay the balance.
- Penghakiman (Judgment) on the date was, defendant 'perlu bayar tuntutan Affin Bank.'

19-6-2013
I found out that the car which has a value of RM40,000 was auction under value of RM8,000, which I did not receive any Schedule 4 or 5.

I have made complaint to Bank Negara, and I wrote several emails. According to Affin Bank, the car was auctioned under value due to:

1) Part of the engine missing and the engine is not the same as in the grant.
2) Gear box missing.
3) Computer board missing.

15-8-2013
I made a police report that "Suspect of Kes Jenayah" under the advice of the Bank Negara Officer.

23-10-2014
Got the "Laporan Siasatan." They found "Tiada Kes Jenayah" in other word, there are no items missing from the car. Police recommended me to files a civil suit against Affin Bank.

9-3-2015
Case hearing "Di hadapan Timbalan Pendaftar."
I have requested for time to prepare some document, next case hearing on 20-04-2015.

6-4-2015
Went to AKPK and seek help there. Since the Creditor's Petition (CP) is fully served (according to the bank), AKPK has put me under "Metric 2" (proposal for those case under legal proceeding, mainly bankruptcy) said I had 50% / 50% chance only on this matter. Where bank can reject AKPK proposal.

I have been told by AKPK officer that I will only get the reply from the bank after 21 days.
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answered on Apr 16, 2015 at 23:57
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edited Aug 24, 2016 at 05:30
 
If your lawsuit names 3 defendants, their names and IC numbers must be in the title.
Like this

DALAM MAKHAMAH MAJISTRET DI KUALA LUMPUR
Guaman Sivil No.:..............    Tarikh : ..... April 2015

ANTARA
Muruxxxxx .... ---------------------------------------------------------PLAINTIF
DAN
Xxxxx xxxxx BERHAD
(NO. SYARIKAT: 25046-T) ------------------------------------------------DEFENDAN 1

<Name 1>
<IC No: .........)  ----------------------------------------------------DEFENDAN 2

<Name 2>
<IC No: .........)  ----------------------------------------------------DEFENDAN 3

PERNYATAAN TUNTUTAN
But before you name people as defendants, you must first think whether they should pay for your losses. If you are sure they should personally pay for your losses, then only you name them as defendants. Otherwise, do not name them as defendants, they may only be witnesses later.
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answered on Apr 17, 2015 at 14:23
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edited Aug 24, 2016 at 05:36
 
@vkpc
Thank you for your advice.

Should I rename their name from "defendant 1, 2 or 3" to "witness 1, 2, or 3"?
Or should I just name them directly? It's difficult for me to find their IC number nor there full name.

Questions:
1. How do I claim the "stress that I been through the harassment of the defendant and debt collector"? The stress I had been through the process of "undergo the bankruptcy"?
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answered on Apr 17, 2015 at 14:34
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In this case, I think you want to name only one defendant, the bank.
For the other people, just refer to them by their names and then their short names.
No need to call them witness until later at the full trial.

Your Statement of Claims
a. contains too much storyline ( some which are not important )
b. too little description of what the defendant did wrong
c. not enough description of your damages / losses.

You need to improve on it and repost here again. 
Defendant in Malay is spelled Defendan.
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answered on Apr 17, 2015 at 16:19
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edited Aug 24, 2016 at 05:43
 
@vkpc

Advice noted, I have amended the version accordingly, kindly advise.

@All Forumers,

Kindly advise the part of the
1. description of what the defendant did wrong
2. not enough description of your damages / losses.

I have not much idea!

Amended version:

DALAM MAKHAMAH MAJISTRET DI KUALA LUMPUR
Guaman Sivil No.:.............. Tarikh : ..... April 2015

ANTARA
Muruxxxxx .... ---------------------------------------------------------PLAINTIF

DAN
Xxxxx xxxxx BERHAD
(NO. SYARIKAT: 25046-T) ------------------------------------------------DEFENDAN

PERNYATAAN TUNTUTAN
1. Defenden ialah sebuah bank berlesen yang di daftarkan di Malaysia di xxx xxxxx xxxx Melaka darul azim.

2. Defendan mempunyai alamat penyampaian yang terakhir di no. xxxxx xxxx dan xxxxx xxxxxxx

3. Di atas permohonan Plaintif, Defendan ada menawarkan “Hire Purchase Loan” pada xx-xxxx-2005 kepada Defendan sebanyak RM 85,000

4. Melalui Surat Perjanjian Sewa Beli yang bertarikh 05.04.2005 di antara Defenden (pada masa material dikenali sebagai Affin-ACF Finance Berhad) dengan Plantif, Plantif bersetuju menerima menyewa-beli daripada Defendan sebuah kenderaan Naza Ria dengan No. Injin K5-09690X No. Chasis MZMUP7523EGOO49XX, nombor enjin : K5-09690X dan No. Pendaftaran MBD 344X (selepas ini dirujuk sebagai "kenderaan tersebut”).

5. Pada xxxxx Kenderaan tersebut mengalami kerosakan pada enjin dan telah diantar kepada “Naza Service Center” di Melaka untuk dibaiki, setelah mendapat enjin Kenderaan tersebut, mengalami kerosakan di sebabkan “Manufacturing Defect”. Maka pihak NAZA Service Center telah menukarkan satu enjin baru dan Plantif telah memohon “Surat Pendaftaran Kederaan” daripada Defenden untuk dikemaskinikan nombor enjin baru melalui NAZA Service Center melalui “WARRENTY”. Selepas penukaran “kandungan enjin” kenderaan tersebut, Plaintif telah, memulangkan balik “Surat Pendaftaran Kenderaan” kepada Defendan.

6. Pada Oktober 2008, Plaintif hilang kerja dan mula membayar ansuran melalui wang simpanan sehingga mendapat kerja baru.

7. Pada xxxxx, sekali lagi ‘kenderaan tersebut’ telah mengalami kerosakan enjin, sama seperti dahulu, “manufacturing defect”. Maka Plaintif telah memfailkan kes ke atas “NAZA Service Center” melalui “Mahkamah Pengguna, Melaka” untuk meminta Naza Service Center membaiki ataupun menggantikan enjin. Plaintif gagal dalam kes ini kerana tamat tempoh “WARRENTY” pada kenderaan tersebut.

8. Plaintif telah menghantar Kenderaan tersebut ke bengkel kereta xxxxxxx di malim, Melaka. Setelah dianggarkan kos membaiki sebanyak RM3,000, maka Plaintif telah membatalkan niat untuk membaiki kenderaan tersebut kerana pada masa itu Plaintif tiada pekerja.

9. Pada 04.08.2011, Plaintif menghantar surat “Request of voluntary repossession vehicle No: MBD344X” kepada Defendan. Maka En. xxxxxx, seorang pekerja Defendan dari cawangan Melaka Raya telah datang dengan lori tunda untuk mengambil Kenderaan tersebut. Di sebabkan ada baki bayaran kepada pihak bengkel melalui surat Plaintif, (bayaran untuk kerja membaiki) maka Defendan kedua telah memberitahu Plaintif yang Kenderaan tersebut akan di tunda oleh belia selepas mendapat arahan daripada ketuanya, Selepas dalam masa1 jam, En.xxxxx kedua telah memberitahu Plaintif yang Defendan tidak akan membayar tunggakan Plaintif kepada pihak “bengkel”. Plaintif bersetuju dengan En.xxxxx, untuk menunda kenderaan tersebut tanpa bayaran kepada bengkel. En.xxxxx meminta Plaintif pulang dulu sehingga beliau menunggu lori tunda. Maka Plaintif telah beredar dari bengkel tersebut.

10. Pada 13.09.2011, Plaintif menerima saman dari Defendan untuk hadir pada 3.10.2011, jam 9.00pagi ke Mahkamah Sesyen Melaka untuk mendengar kes saman No. 52-1416-09. Defendan menuntut Plaintif untuk membayar hutang sebanyak RM54.028.68 setakat 18.8.2011. Plaintif telah memberitahu Mahkamah yang Plaintif setuju dengan tuntutan Defendan tetapi selepas ditolak harta lelong kenderaan tersebut yang telah Plantif pulangkan pada 04.08.2011. Kes ditangguhkan oleh Mahkamah selepas pihak peguam Defendan ingin dapatkan arahan lanjut dari Defendan. Maka perintah dikeluarkan oleh Mahkamah Sesyen untuk Plantif membayar baki hutang Plaintif kepada Defendan.

11. Selepas itu Plaintif telah menghubungi Pn. Xxxxx,, seorang pekerja Defendan di cawangan Melaka Raya untuk mengetahui status kenderaan tersebut dan meminta untuk melihat kenderaan tersebut yang pada masa itu di bawah jagaan Defendan. Pn. Xxxxx telah memberitahu Plaintif yang kenderaan tersebut belum di lelong dan meminta Plaintif menunggu arahan atau notis lelong dari Defendan.

12. Pada 24.11.2011, Plaintif menerima “Permohonan Pemula” dari Defendan untuk hadir di “Kamar Timbalan Pendaftar” di Mahkamah Majistret, Melaka pada 13.12.2011, jam 9.00 pagi. Kandungan writ saman tertulis kenderaan tersebut telah di lelong dan meminta Plaintif membayar baki hutangnya. Plaintif telah berjumpa dengan Pn.xxxx untuk mengetahui kenapa Jadual keempat, kelima dan tidak menghantar notis kepada Plaintif ? juga menanyakan harga lelong kenderaan tersebut. Pn. xxxx hanya menyatakan bahawa Plaintif perlu dapatkan peguam untuk mengetahui jawapan kepada soalan tersebut.

13. Pada xx.xxx.xxxx, Plaintif telah membuat aduan kepada Bank Negara Malaysia tentang tindakan Defendan melelong Kenderaan tersebut tanpa memberitahu Plaintif tentang kandungan lelong juga harga lelongan sebenar.

14. Pada 19.06.2013, atas nasihat pegawai Bank Negara Malaysia, Plaintif telah menghantar email bertajuk “Seek clarification of my repossessed car value of RM9,000” kepada Defendan. Plaintif menanyakan, harga ditetapkan, masa lelongan dan kenapa dilelong dengan harga rendah kenderaan tersebut.

15. Defendan telah membalas email Plaintif dan menyatakan anggaran harga yang ditetapkan pada kenderaan tersebut ialah sebanyak RM8,000. Defendan telah mengatakan bahawa harga lelongan pada kenderaan tersebut ini disebabkan, Kenderaan tersebut dalam keadaan yang teruk. Banyak barang-barang hilang. Tiada alat berhawa dingin, Enjin tidak sama dengan pendaftaran JPJ, komputer box hilang dan gear box hilang.

16. Pada 5.07.2013, Plaintif membalas email Defendan bertarik 3.07.2013, untuk menyangkal email Defendan. Plaintif telah menghantar surat “Despute on Car Parts missing”.

17. Pada 15.08.2013, atas nasihat Pegawai Bank Negara, Plaintif telah membuat satu laboran “kes Jenayah” tentang barang-barang yang dicuri daripada kenderaan tersebut di balai polis, Malam.

18. Pada 23.10.2014, pihak polis telah selesai siasatan “Kes Jenayah” dan mendapati, “tidak sebarang perlakuan berunsur jenayah yang dilakukan” dan “ Defendan tidak melaporkan sebarang kehilangan barang dari kenderaan tersebut”. Meminta Plaintif “rujuk kes ini di Mahkamah”.

19. Daripada laporan siasatan polis, Plaintif mendapati, Defendan sengaja, secara langsung ataupun tidak langsung mengendalikan lelongan kenderaan tersebut secara tidak professional dengan niat Plaintif akan mengalami hutang melebihi RM 30,000. Dengan ini secara langsung Defendan dapat membawa Plaintif ke tindakan bankrapnya.

20. Tindakan dan salah laku Defendan dan pengutip hutang yang ditugaskan oleh Defendan telah membuatkan Plaintif dalam keadaan yang sangat terdesak. Sehingga terpaksa meminjam wang daripada pihak ketiga dan sebagainya untuk membayar ansuran kenderaan tersebut. Pihak Defendan juga tidak memberikan maklumat yang diminta oleh Plaintif pada masa-masa tertentu yang telah langsung membawa kepada lelongan kenderaan tersebut dengan harga yang rendah dan kecurian barang-barang daripada kenderaan tersebut.

21. Tindakan Defendan juga membuatkan Plaintif terpaksa berjumpa dan membuat aduan kepada Bank Negara Malaysia untuk mendapatkan menjelaskan daripada Defendan. Sepanjang proses ini, Plaintif telah mengalami tekanan secara fiskal dan mental seperti, “tekanan mental”, “trumah” dan penyakit “tekanan darah tinggi, hipertensi level 2” dan migrain.

22. Oleh yang demikian, plaintif memohon penghakiman terhadap Defendan untuk:-
(a) jumlah wang sebanyak RM55,000 (anggaran nilai kenderaan tersebut, semasa dipulangkan kepada defendan tanpa sebarang bahagian hilang);
(b) Caj 5% dari jumlah RM55,000 dari bulan Ogos 2011 sehingga ke tarikh penyelesaian sepenuhnya.
(c) Fee guaman sebanyak RM600 sehingga tarikh memfailkan saman dan;
(d) Kos tindakan dan;
(e) lain-lain relif yang di anggap adil oleh Mahkamah ini.

Bertarikh 16 Apr 2015
Peguam cara Plaintif.
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answered on Apr 17, 2015 at 17:03
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edited Aug 24, 2016 at 05:44
 
(b) Caj 5% dari jumlah RM55,000 dari bulan Ogos 2011 sehingga ke tarikh penyelesaian sepenuhnya

Use the same % the Judgement Debt interest charged rates.
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answered on Apr 17, 2015 at 17:25
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edited Aug 24, 2016 at 05:45
 
@Jeff

Noted. Amended as follow the Penghakiman.

(b) Berserta faedah 8.00% setahun daripada jumlah RM55,000 dari bulan Ogos 2011 sehingga ke tarikh penyelesaian sepenuhnya.
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answered on Apr 17, 2015 at 17:33
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Dear Mr Murusk

Based on your draft, I need you to clarify a few things. I am looking at it from the Bank's perspective (not that I am siding with the Bank but what would be the response and action of the Bank which would also help you prepare your argument)

The most important thing is to file your suit because the main issue here is the value of the car, the condition of the car before voluntary surrender and of course the resulting price after auction which brings about the figure for Bankruptcy proceedings. If the Bank is smart, they will postpone their action because if you win the case, they will have to revise the figure and start all over again or they can just bulldoze their way into Bankruptcy if they know you cannot win.

My questions are:

1) When the car was taken out from the workshop, was it in good running condition and do you have proof of it like acknowledgement letter or photographs to support your claim.

2) Who pays the workshop's bill?  A Bank CANNOT simply take the car without paying the workshop as the workshop has lien over it.

3) With regards to 4th Schedule and 5th Schedule after voluntary surrender, it can be argued that the Bank has terminated the Hire Purchase Agreement and under no obligation to serve those notices. 4th Schedule maybe but definitely before the legal action.

4) The "value" of a car is subjective however good the condition is. Subjective meaning if the car is in tip top condition and sold between two parties, the price can be higher at "advertised" value. Ask a Used Car Dealer or sell it to a Used Car Dealer, the price will drop by a few thousands depending on how desperate you are since the Used Car Dealer also need to make some profit. The same car going for auction or has a "repossessed" tag will lower the price by at least RM5,000 from 'advertised" value in newspapers and "Mudah.com.my". When it goes for auction, the price will drop further if there is no bidder depending on the popularity of the car or some unintentional or intentional manipulation during the auction. Read more on this at:

http://debttalesthebankandyou.blogspot.com/2014/11/legal-action-procedures-hire-purchase.html

or

https://ceritahutangbankdananda.wordpress.com/2014/10/23/prosedur-undang-undang-pinjaman-kereta-sewa-beli-bahagian-4-cerita-lelong/

Having said that, it is not the Hirer who determines the market value even though you truly believe the value is as such. But if the Bank can prove that it has been auctioned off according to the above "standard" and acceptable procedures, there is nothing that you can do.

The only thing that will strengthen your case is the evidence that you have on the condition of the car BEFORE voluntary surrender and if some items are indeed missing AFTER surrender, it would indicate negligence in their part hence the lower resale value of the car and the unfair amount that they are claiming from you. Nevertheless, you may have some breathing space should the Bank decide to wait for the outcome of this case.

Another thing that may be worth mentioning is that the Bank should at least have the courtesy to inform you on the low resale value of the car and probably get a higher value through your contacts. I do not knowabout your relationship with the Bank during the whole episode so I just leave it at that.
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answered on Apr 17, 2015 at 17:55
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edited Aug 24, 2016 at 05:47
 
Did you change your address? How come the bank did not send you notice of car auction date?

Your "Kenyataan Tuntutan" must mention fraud ( frod or penipuan in Malay ) if you want to stand a chance to block the bankruptcy proceedings.

Your IC Number also seems to be missing from the title.
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answered on Apr 17, 2015 at 23:09
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edited Aug 24, 2016 at 05:57
 
@Abu Ammar.

Thank you for the comment.

Questions:
1) When the car was taken out from the workshop, was it in good running condition and do you have proof of it like acknowledgement letter or photographs to support your claim.

Ans: During the handover to bank, the car is half way repair (the engine was dismantled and all the parts are keep inside of the car. Other parts are untouched. Where I did not have the money to continue repairing which estimated RM2,000. When the bank person told me that the bank do not wanted to pay the halfway repairing cost about RM2,500.
I agreed to the person to tow the car and collect the key from the workshop personnel. I have spoke to the workshop personnel that I will pay him later. The bank person told me that he will tow the car later.

After few emails via Bank Negara, the bank wrote that my car was being towed after 6 months only. Anyway, they claim that the car was locked and during the Puspakom check there was part of the engine missing, gear box missing, computer box missing and air-cond missing.

I went to the workshop and asked about the car, he told me that the bank personnel tow agent just tow the car without informing the workshop personnel, which the car was park outside the workshop.

2) Who pays the workshop's bill? A Bank CANNOT simply take the car without paying the workshop as the workshop has lien over it.

Ans: They towed the car without the workshop personnel knowledge. I have agreed to pay him by installment.

I unable to prove many things but the parts, gearbox, computer box and air-cond missing is something wrong.

@notalawyer
Did you change your address?
Ans: I did not change address nor move out from the house.

How come the bank did not send you notice of car auction date?
Ans: From the lawyer's notice, they put the evidence of sending the Schedule 4 letter only but there is not evidence that I received the letter.

Honestly, I did not receive the letter, most of the lawyer letter, only receive the letter which on hearing in the sessions court. For the magistrate court, I only received the final letter which mention "di kamar timbalan pendaftar". They told me that they have sent many lawyer notices, I wonder why it did not reach me. My question, did they really send me those letters? or only send the final letter only to me...I have no answer.

Your Kenyataan Tuntutan must mention fraud ( frod or penipuan in Malay ) if you want to stand a chance to block the bankruptcy proceedings.
Ans: Please advice where should I insert this?

Your IC Number also seems to be missing from the title.
Ans: I will add this after my name on the top.

@All Forumers
Please keep advice and guide me till this case over.
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answered on Apr 20, 2015 at 15:18
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edited Aug 24, 2016 at 05:58
 
Bad news..

Muru has just been made a BANKRUPT early in the morning by the bank lawyers before the hearing. He is still at the High Court Melaka looking for answers from the Registrars.. I could only ask him to get answers on how and why lawyers sneak from behind again!
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