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Received cert of posting without receiving writ

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asked on Jun 4, 2015 at 05:48
by   alanlkadaniel
Today, i received cert of posting from lawyer firm and request me to attend Kl Magistrate Court.
The firm represents alrahji bank. Since this is my first time of receiving this letter, i searched and found out that once receiving the cert of posting. it will request me to pay total loan amount.
so my questions are:
1. is it possible to pay the pending instead of total amount? as last time the employee of the bank came and asked me to pay the pending and there is 3 months pending. i promised to pay 1 month within 10 days and 1 more month in end of month and i did it as the pending is one month.

2. Must i pay the lawyer fee for the firm that represents the bank?

p.s they did called me many times but i didn't answer for since i'm working and answering call is not allowed as hp is not with me as well until i get off work.

3. i never received the monthly statement from them. the last letter i received from the bank is loan contract.

please help...thanks.

regards,
lee ka
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answered on Jun 6, 2015 at 15:34
by   Daniel
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Pengindorson tentang penyampaian
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Nothing was filled by penghantar saman and no signature from penghantar saman.

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Penyataan Tuntutan
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1.Plaintiff adalah sebuah syarikat yang diperbadankan di Malaysia dan dilesen untuk menjalani perniagaan Perbankan Islam dan beralamt di Collection Depart Operation Devision -------address------- .

2. Defendan pada semua masa yang berkenaan adalah pelanggan Plaintiff dan mempunyai alamat penyampaian di -------my address-------.

3. Atas permohonan Defendan, Plaintiff  melalui satu surat tawaran bertarikh 25 july 2014 dan perjanjian jualan komoditi induk (“Master Commodities Sale Agreement”) bertarikh xx July 2015 (selepas ini disebut “perjanjian tersebut”), telah meluluskan satu pembiayaan peribadi berdasarkan prinsip shariah “AL-BAI BITHAMAn AJIL” ( selepas ini disebut “Pembiayaan Peribadi tersebut”) kepada defendan.

4. Berikut ialah inter-alia terma-terma perjanjian yang terkandung di dalam perjanjian tersebut:-

   4.1 Plaintiff di atas permintaan Defenden bersetuju untuk menjual komoditi iaitu “Crude Palm Oil” (“CPO”) kepada Defendan dan Defendan bersetuju menerima untuk membeli komoditi tersebut pada harga RM 69,728 secara harga tangguh (selepas ini disebut “Harga Jualan”);

   4.2 Defenden kemudiannya menjual komoditi tersebut kepada pihak ketiga dan seterusnya mengarahkan Plaintiff untuk menghantarserah komoditi tersebut dan mengutip wang jualan kepada pihak ketiga sebanyak RM 50,000 (selepas ini disebut “Harga Belian”);

  4.3 Harga Belian berjumlah RM 50,000 tersebut hendaklah disalurkan oleh Plaintiff kepada Defendan;

   4.4 Defendan hendaklah membayar harga jualan sebanyak RN69,728 tersebut secara 60 ansuran bulanan iaitu sebanyak RM1,162 setiap bulan dan sebanyak RM1,170 bagi bulan terakhir sehingga penyelesaian penuh; dan

   4.5 Jikalau defenden gagal inter dia membuat bayaran ansuran tersebut, Plaintiff berhak memfailkan prosiding untuk menuntut balik harga jualan dan/atau jumlah yang berhutang.

5. Defendan telah gagal , enggan , dan/atau cuai untuk membuat bayaran ansuan bulanan Harga Jualan seperti  yang telah dipersetujui dan telah memungkiri syarat syarat di bawah perjanjian tersebut dan oleh yang demikian kesemua jumlah yang perlu dibayar di bawah perjanjian tersebut akan dengan serta merta menjadi dibayar dan kena dibayar oleh Defendan kepada Plaintiff.

6. Defendan telah gagal membayar balik baki wang yang telah dituntut oleh Plaintiff ataupun penguamcaranya.

------------------------------------
Butiran- Butiran Keingakaran
------------------------------------

Gagal membayar ansuran bulanan yang dikira setakat 6 march 2015 dan jumlah tunggakkan sebanyak RM 2,324 seperti yang dituntut oleh penguamcara Plaintiff melalui surat mereka bertarikh 9 march 2015.

7. Selanjutya Defenden telah gagal membayar balik baki wang telah dituntut oleh Plaintiff ataupun penguamcaranya.

8. Melalui surat yang dikirim melalui pos berdaftar bertarikh 9 march 2015, Plaintif menerusi penguamcaranya Tetuan Che Moktar & Ling, menuntut daripada Defendan wang yang dikira setakat 6 March 2015 iaitu sebanyak RM65,080.

9. Defendan telah gagal/enggan membayar jumlah wang yang disebut di perennggan 8 di atas dan oleh itu telah memungkiri terma-terma di Perjanjian tersebut.

10. Jumlah terkini yang terhutang oleh defendan yang dikira setakat 21 April 2015 ialah sebanyak RM 63,918.

11. Bedasarkan kepada Garis Panduan Bank Negara Malaysia (BNM/RH/GL0080-13), pihak plaintif memberi akujanji untuk memberikan ibra’ kepada defendan jika penyelesaian awal dibuat terhadap pembiayaan di atas.

12 DI MANA plaintiff menuntut jumlah berikut terhadap Defenden:-
   a. Wang sebanyak RM 63,918 yang dikira setakat 21/4/2015.
   b. Ta’widh pada kadar 1% setahun diatas jumalh RM63,918 dikira mulai dari 22 April 2015 sehingga tarikh penyelesaian penuh;
   c. Kos tindakan sebanyak RM600; dan
   d. Perintah atau relif lain yang Makhamah ini dapati sah dan adil.

Betarikh pada -------no date filled-------,2015
-------signature of lawyer-------
Penguancara Plaintiff

Penyataan tuntutan difailkan oleh tetuan -------Name of firm------- yang alamatnya ialah -------address of the firm------- ( tel: xx-xxxxxxxxx/ Email: -------email of the firm-------) bagi plaintiff tersebut yang alamatnya ialah Collection Department Operation Division ------- address of the operation devision-------) 
___________________________________________________________________________________________________________________

Above is attachment of the writ, please let me know if other information is required.

refer to item no 10, it should be lesser as i did pay 2 months intallment in may 2015 after meeting with officer who came to my working place.

Thanks runner for telling me the details of them who are helping in this case. I really appreciate all helps.

Besides, i think i should tell you all the loan or outstanding i having now.
1 car loan , 2 credit card , 5 pl includes this bank that gave me writ.

the payment history:
1. no late payment for car loan

2. cc have outstanding. both is active and one is doing the clearing. some of it i paid after due due to some issue
but i'm willing to pay the late pay charges.

3. 5 personal loan
i did pay all and sometimes pay after due and i ll pay the interest charges except this bank as i did not receive statement from them except cert of posting and seeing the guy who came to my office.

*please don't ask me the reason of applying some much of personal loan. i will tell you all when it is the time but for sure not used for chasing gal and materialism.

Regards,
Daniel
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answered on Jun 6, 2015 at 15:45
by   Daniel
Dear Encik Abu Ammar,

Ok. NO PERAMAH & NO APPEAL in COURT & FOLLOW WHAT mr ol'man SAID . after that , APPEAL MY CASE by going to BANK's HEAD OFFICE.

Puan : Adakah kamu mengaku salah pada writ tuntutan ini.
Daniel : Tidak mengaku salah, Puan.
Puan : Ok, kamu file kan Pembelaan.
Daniel : Saya perlu mencari peguam dulu, Puan.
Puan: : Ok, saya beri kamu 3 minggu untuk kamu cari peguam sehingga xx/07/2015
( although Daniel knows he willl not find one..)

Thanks.

Regards,
Daniel
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answered on Jun 6, 2015 at 16:23
by   jeff005
Dear Daniel

Besides, i think i should tell you all the loan or outstanding i having now.
1 car loan , 2 credit card , 5 pl includes this bank that gave me writ.


Thanks for placing your trust to the old Men here. You wont regret. Appears u hv caught up wit my MO, those will be my nxt Q's to u..

please don't ask me the reason of applying some much of personal loan. i will tell you all when it is the time but for sure not used for chasing gal and materialism
The old folks here wont ask or misunderstand as we have been thru the young age before. Investments is a good form of savings. Just do not overinvest. Now i do understand the urgency of why you must not be sued otherwise all the other investments can collapse like a pack of cards. Just MUST file the MOA with receipt given by early Monday Morning. The receipt may have to be produced as proof of filing on the 1st Mention day.

Jeff
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answered on Jun 8, 2015 at 20:29
by   Daniel
Dear all,

i have paid RM 8 and file the MOA . Thanks.

Thanks, Encik Abu Ammar. i will draft a letter of appeal and post it here.

Dear jeff, what meaning for MO and thanks for your understanding.

Regards,
Daniel
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answered on Jun 8, 2015 at 23:04
by   Jeff
MO
Modus Operandi
My normal way of doing things..
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answered on Jun 10, 2015 at 01:37
by   Daniel
Jeff, i see. it is my responsibilities/ things that i have to do 1st before seeking advice from you all.

i have some questions, is it wise if i direct go to head office of the bank after court for the appeal?
Do i still need to go to court again if the bank accept my appeal?
Last, can i ask for the next date on 5/6/7 of july as i have a trip on end of month.
Thanks.

Regards,
Daniel
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answered on Jun 10, 2015 at 02:01
by   suzy
If you try to pay an installment, does the Cash Deposit Machine decline or accept your payment?
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answered on Jun 10, 2015 at 02:51
by   Jeff
@ daniel..

Just get the postponement first then discuss.

Dun put the cart in front of the horse..!!

Focus on your current steps. Dun distract yourself too much.

Remember notalawyer script by hard. You can bring and read it on a pc of paper/file and act like a lawyer..
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answered on Jun 10, 2015 at 03:50
by   Daniel
Dear Suzy: i still able to pay on 23 May 2015. is there any meaning? thanks.

Dear jeff: ok. don't cart in front of the horse. =)

Did you mean below script ?
Puan : Adakah kamu mengaku salah pada writ tuntutan ini.
Daniel : Tidak mengaku salah, Puan.
Puan : Ok, kamu file kan Pembelaan.
Daniel : Saya perlu mencari peguam dulu, Puan.
Puan: : Ok, saya beri kamu 3 minggu untuk kamu cari peguam sehingga xx/07/2015
( although Daniel knows he willl not find one..)

Thanks

Regards,
Daniel
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answered on Jun 10, 2015 at 12:14
by   vkpc
Gagal membayar ansuran bulanan yang dikira setakat 6 march 2015 dan jumlah tunggakkan sebanyak RM 2,324 seperti yang dituntut oleh penguamcara Plaintiff melalui surat mereka bertarikh 9 march 2015.

Did you receive this Letter of Demand dated 9th March 2015 as stated above?
If yes, when did you receive it?
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