Advertisement

Received cert of posting without receiving writ

1574 Views  ⚫  Asked 2 Years Ago
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
0 had this question
Me Too
0 favorites
Favorite
[ share ]
167 Answers
« Previous   4   5   6   7   8   9   10   11   12   13   Next »  Last »

answered on Jun 12, 2015 at 02:58
by   steven
Why the live version is totally different from the expected script?

I think what happened was daniel did not totally trust the script and wanted to "settle" everything on the first day by arguing about not receiving this and that and already paid this and that installments.
This is typical and common for most laymen.

What he didn't understand is that the Judge don't want to hear any arguments on a case management or "mention" day.  The Judge only wants to hears arguments on a "hearing" day.
Read William Chan's book, Chapter Judgment Day.
0 found this helpful
Helpful

answered on Jun 12, 2015 at 04:34
by   Daniel
Dear Encik Ol'man : Haha. the scene you described did appear during driving back to office. Thanks for your guide. I will search loan agreement and draft pembelaan tomorrow or in this weekend. Tonight i want sleep like a log.

Dear Runner : ok , i will try to follow the script as much as possible.

Dear Steven : sorry to have you this feeling. i did trust the script but script for Puan didn't turn out accordingly. But i did say all sentence that prepared by vkpc in the court. i never thought of "settle" everything on the first day. i did say not receiving this and that after representer stated that i did not pay within 14days after notice of demand.

Puan did talk to representer <> after representer again stated about i did not pay within 14days after notice of demand

Where to get William Chan's book ?

Regards,
Daniel
0 found this helpful
Helpful

answered on Jun 12, 2015 at 17:17
by   notalawyer
The letter you received is not a "Certificate of Posting" but just a letter to remind you of the Court date. Please stop saying that you received a "Certificate of Posting".
0 found this helpful
Helpful

answered on Jun 12, 2015 at 17:37
by   jeff005
@ daniel

"Certificate of Posting"
Using incorrect terms can get your Pembelaan to be thrown out. In court docs, must use accurate legal terms. Inside court permises, no T-shirt, otherwise get thrown out oso..

Where to get William Chan's book ?
You can buy Willian Chan Book
but cannot get William Chan's book unless direct from him with permission.. if you can find him..!!

Excerpts from current posting at "not sure"
If you want to know A to Z of Debts issues in courts, go buy this reference book.. oke?

Author :- William Chan
Publisher :- Pelican
Title :- How to Self Represent Yourself in Court to Fight Nasty Banks
Online purchase at MPH
Or simply just Google.. we are not walking dictionary nor google maps...
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:15
by   Daniel
Dear all , Below is writ and my pembelaan, please comment it.

_________________________________________________________________________________________________________

~~~~~~~~~~~~~~~~~~~~~~~~~
~~~~~~~~~~~~~~~~~~~~~~~~~
WRIT
~~~~~~~~~~~~~~~~~~~~~~~~~
~~~~~~~~~~~~~~~~~~~~~~~~~

------------------------------------
Penyataan Tuntutan
------------------------------------
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-------)

__________________________________________________________________________________________________________________

~~~~~~~~~~~~~~~~~~~~~~~~~
~~~~~~~~~~~~~~~~~~~~~~~~~
My Pembelaan
~~~~~~~~~~~~~~~~~~~~~~~~~
~~~~~~~~~~~~~~~~~~~~~~~~~

DALAM MAHKAMAH MAJISTRATE DI KUALA LUMPUR (BAHAGIAN SIVIL)
GUAMAN SIVIL NO: xxxx-xxxxx-0x/201x

ANTARA

Bank Name
( No.Syarikat : xxxxxx-x )       … PLAINTIF

DAN
Name of Defendan        
(NRIC NO: 8X0XXX-0X-XXXX )      ... DEFENDAN

----------------------------------------------
PEMBELAAN DAN TUNTUTAN BALAS DEFENDAN PERTAMA
----------------------------------------------
~~~~~~~~~~
PEMBELAAN
~~~~~~~~~~
-------------
PEMBELAAN AM
-------------

1. Perenggan 1-4 diakui.

2. Perenggan 5 diakui  setakat bahawa Defendan telah cuai untuk menbayar bayaran ansuran Harga Jualan seperti yang telah dipersetujui.

3. Tentang perenggan 6-7, Defendan tidak menerima Notis of Demand Cum Termination.

4. Tentang perenggan 8-9, Peguamcara Plaintif dikenakan membuktikannya dengan kukuh bahawa defendan telah menerima surat yang dikirim melalui pos berdaftar bertarikh 9/3/2015.

5. Tentang perenggan 8-9, surat kandungan dan saman hanya difaham oleh Defendan selepas Defendan meminta semua surat termasuk saman yang dikirim oleh penguamcaranya pada 3 June 2015. Ms xxxx dari penguam firm menghantar surat-surat and writ kepada Defendan menerusi email pada 3 June 2015.

6. Perenggan 10-11 diakui.

7. Perenggan 12, Defendan tidak setuju dengan jumlah yang dituntut oleh Plaintif bahawa Notis of Demand cum Termination tidak diterima dan menamatkan pembiayaan peribadi dengan meminta Defendan membayar harga jualan sebanyak RM69,728.00 , Ta’widh pada kadar 1% dan kos tindakan.

-------------
Pembelaan Tertentu
-------------

1. Pada awal bulan Mei 2015, Plaintif telah menghantar seorang pengawai ke tempat kerja Defendan untuk meminta Defendan membayar jumlah tunggakan dan tidak pernah menyatakan tentang Notis of Demand cum Termination dan saman. Defendan janji untuk menbayar satu bulan ansuran dalam 10 hari dan Defendan telah memenuhi janji.

2. Pada akhir bulan Mei 2015 , Defendan juga tidak diberitahu semasa mengadakan pembualan dengan Plaintif melalui panggilan telefon. Panggilan telefon dibuat oleh Plaintif. Defendan hanya diberitahu oleh Plaintif tentang tunggakan dan Defendan janji untuk membayar satu bulan ansuran dan Defendan juga memenuhi ya.

3. Defendan tidak pernah mendapat surat ataupun writ daripada Plaintif ataupun peguamcaranya kecuali surat yang diterima pada 3 June 2015 untuk mengingatkan Defendan tentang tarikh menghadiri mahkamah.

...........................
Tandatangan defendan
Pembelaan in telah difailkan oleh
defendan yang beralamat di ............
..................................................
pada tarikh ......................................
________________________________________________________________________________________________________________

My defend, situation and wishes:
1. i want to kill the writ;
2. i cleared all outstanding
3. i want to continue pay plaintif with monthly installment but not ful payment.
4. i want to defend because i didn't receive notis and writ except a letter to remind me of the Court date.

Thanks.

Regards,
Daniel
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:22
by   vkpc
How many defendants are mentioned in the Writ?
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:22
by   Daniel
Dear Mr notalawyer : ok. i only received a letter to remind me of the Court date.

Dear JeffOO5 : sorry for my poor grammar. i went to MPH stores and cannot find it. i have ordered the book from mph online but it takes 4 -6 weeks for delivery. i never take you all as walking dictionary but advisor for my case. this is my first time and i wish i can handle it with helps from you all. Please advise me for my pembelaan.
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:26
by   Daniel
Dear vkpc :

Sorry. i'm the only defendan for this case.

i will change the title to PEMBELAAN DAN TUNTUTAN BALAS DEFENDAN

i thought PEMBELAAN DAN TUNTUTAN BALAS DEFENDAN pertama = 1st pembelaan dan tuntutan balas from defendan.

Regards,
Daniel
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:30
by   vkpc
Unless you want to counter-sue the bank, you should remove the word "TUNTUTAN BALAS"
0 found this helpful
Helpful

answered on Jun 16, 2015 at 20:33
by   jeff005
I was refering to the mode of buying William Chan Book. Just joking to tense down the whole senario.

Btw, I am zero on Pembelaan and very bad in Malay esp courts documents. You are in good hands with Mr. vkpc and I have not commented on anyone's Pembelaan before.
0 found this helpful
Helpful


« Previous   4   5   6   7   8   9   10   11   12   13   Next »  Last »

Your Answer





By posting your answer, you agree to the privacy policy and terms of service.