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Diskaun membayar hutang awal dan lum sum

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asked on Oct 17, 2016 at 05:37
by   optra87
Hello everyone. I got a question and need some opinions. My credit card limit was RM27k. It was bought over by aiqon and almost five years, now I am being summoned and plaintif demand RM87k. The court case is on going and  I found the book by Mr. William Chan was very helpful. The next hearing will be on 2/11/16. The judge comment that in my affidavit, I only requested for the monthly payment and total amount to be reduced and did not challenge the amount demanded by plaintif. I have to submit my reply to the plaintif afidavit by 25/10. I have no idea on how to challenge the amount but this is what I am planning to reply. Usually when we pay a lump sum, bank will give a rebate or discount and in this case, I am sure that aiqon is paying less than what I am owing but I notices that in the letter, the amount demanded by palintif does not change at all. My question is, can I argue with the judge on the amount? 
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answered on Oct 17, 2016 at 13:16
by   notalawyer
Study carefully the Statement of Claims to see how your debt was passed to Aiqon.
If it is not clear enough, you could say in affidavit that you don't know who Aiqon is and you never borrowed anything from them.  This strategy is to fish for any discrepancies in the transfer of the debt.
If a discrepancy is found, you can defeat this lawsuit.

There is a clause in Limitation Act which says that penalty charges are limited to only 2 years.
So surely your credit card account has a lot of late payment penalties, and since they didn't sue until now, all penalties older than 2 years ago ( plus their interest ) need to be deducted back.

Prepare a new affidavit and post it here for checking before you file.  Do not delay.

 
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answered on Oct 18, 2016 at 03:24
by   optra87
Thank you Mr. Notalawyer. Will try to get it done.
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answered on Oct 18, 2016 at 13:32
by   optra87
Hi good morning. Based on the bank statement exhibit by plaintiff, total outstanding in April 2009 was RM31k. When officially took over by plaintiff in March 2011, the total was RM40k. In 2012 and 2014, I have tried to proposed for a solution but plaintiff disagree so I only make a small payment (RM100 or RM50) monthly. Yes, the payment was recorded in the statement.
The interest rate charged by plaintiff (aiqon) is 16.2% per annum and from my own calculation based on the statement, there is no late charges. As of 5/3/2016, the outstanding amount is RM87k. In their summon mentioned that starting fro 4/5/2016, the charge will be 0.044% on daily rest plus late charges, maximum RM100 per month.
For our information, I have signed up with AKPK since 2012 and still active. Total debt amount is RM200k ++.
The judge said that I have to deny the amount demanded  by plaintiff in my affidavit or else the court will granted the summary of judgment. Would appreciate if you could give some idea with my affidavit because in the earlier reply affidavit, I only request for the court to reduce the monthly payment demanded by plaintiff (RM1k) and also to reduce the total amount, RM87k.
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answered on Oct 18, 2016 at 15:11
by   notalawyer
Post the Statement of Claims and your previous affidavit here for checking.
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answered on Oct 19, 2016 at 03:24
by   optra87
Good evening. I have copy paste some of the previous affidavit for your reference. Appreciate your comment and advise. Thank you.

1. Proposal by plaintiff sent by email through lawyer



Salam sejahtera Encik



Dukacita dimaklumkan bahawa anak guam kami tidak bersetuju terhadap cadangan penyelesaian seperti yang dinyatakan melalui emel pada 29.07.2016.



Sehubungan dengan itu, anak guam kami membuat tawaran penyelesaian terakhir seperti berikut:-



i. RM65,000.00 dibayar kepada anak guam kami pada atau sebelum 27.08.2016; atau



ii. RM1,000.00 dibayar kepada anak guam kami pada setiap bulan sebanyak 28 kali bayaran bermula pada bulan Ogos 2016 sehingga November 2018 (berjumlah RM28,000.00) dan bayaran terakhir sebanyak RM52,000.00 dibayar pada atau sebelum Disember 2018.



Sila hadir ke Mahkamah Majistret Sivil 1, Aras 3, Sayap kiri, Kompleks Mahkamah Jalan Duta, Kuala Lumpur pada 17.08.2016 jam 9.00 pagi bagi Pengurusan Kes.







 




 
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answered on Oct 19, 2016 at 03:35
by   optra87
2. I disagreed and file my affidavit as below.

Pembelaan Am

Merujuk kepada cadangan penyelesaian dari Plaintif yang dinyatakan melalui emel pada 10.08.2016.

Tentang kenyataan di perenggan 1, Defendan tidak mampu untuk membayar  RM65,000.00 pada atau sebelum 27.08.2016.
Tentang kenyataan di perenggan 2, Defendan tidak mampu membuat pembayaran sebanyak RM1,000 sebulan sebanyak 28 kali bayaran bermula dari Ogos 2016 sehingga November 2018.

 

 

 

 

 


Pembelaan Tertentu

Standard Chartered Bank, Malaysia telah menjual dan memindah millik baki hutang Defendan kepada Plaintif bermula dari 02/03/2011.
Had kredit limit yang diluluskan kepada Defendan oleh Standard Chartered Bank, Malaysia ialah sebanyak RM27,000.00.
Disebabkan pengurusan kewangan yang lemah, Defendan tidak dapat membayar jumlah bulanan dengan cukup dalam masa yang ditetapkan.
Untuk menyelesaikan masalah pengurusan hutang dengan beberapa institusi perbankan, Defendan telah menyertai program pengurusan hutang dibawah seliaan AKPK dan telah mula membayar hutang secara teratur mulai April 2012. Hutang kepada Plaintif tidak dapat diuruskan melalui AKPK kerana Plaintif tidak termasuk dibawah seliaan Bank Negara Malaysia.
Disebabkan kekangan kewangan, pembayaran hutang kepada  Plaintif menjadi tidak teratur. Defendan telah cuba berunding dengan menawarkan jumlah yang mampu disediakan tetapi cadangan pembayaran tidak diterima oleh Plaintif.

 

Maka dengan ini Defendan memohon penghakiman:

Jumlah tuntutan plaintif sebanyak RM87,253.79 dikurangkan dan ditetapkan kepada maksimum RM50,000.00.
Jumlah bayaran bulanan sebanyak maksimum RM500.00 sebulan dibayar kepada Plaintif sebanyak 28 bulan bermula pada bulan Ogos 2016 sehingga November 2018 ( berjumlah RM14,000.00). Keseluruhan baki terakhir mengikut penghakiman dibayar pada Disember 2018.
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answered on Oct 19, 2016 at 03:46
by   optra87
Mr. Notalawyer, I couldn't copy paste the claim and reply affidavit by plaintiff because it was in pdf format. Is there other method that I can use to share?
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answered on Oct 19, 2016 at 04:11
by   kiki
Good evening. I have copy paste some of the previous affidavit for your reference. Appreciate your comment and advise. Thank you. 

What you post up here is the reply by the lawyer rejecting your proposal and also their proposal for final settlement before going to court on the 17 Aug, 2016.

Post the Statement of Claims or the Notis Tuntutan.
Maybe we could see how your debt was passed to Aiqon. 
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answered on Oct 19, 2016 at 15:46
by   vkpc
 Statement of Claims = Kenyataan Tuntutan
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answered on Oct 19, 2016 at 15:58
by   jeff005
edited Oct 19, 2016 at 16:02
by   jeff005
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