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Hutang: Kereta diguna oleh guarantor tapi guarantor dilepaskan. Macam mana peminjam boleh libatkan guarantor?

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asked on Nov 11, 2016 at 01:26
by   NOR YAYA
edited on Dec 21, 2016 at 03:00
 
Saya telah menerima surat Petisyen Pemiutang dari MBB. Saya telah menghadirkan diri pada perbicaraan tersebut pada awal November 2016. Pihak mahkamah meminta saya berbincang semula dengan pihak bank untuk menyelesaikan tunggakan sebelum saya diistihar bankrap.

Saya diberi masa sehingga bulan Januari depan untuk berbincang dengan pihak bank.

Kes saya mengenai tunggakan bayaran kereta yang masih tertunggak sejak Julai 2015 sehingga sekarang.

Kereta diguna pakai oleh guarantor dan bayaran bulanan ditolak dari akaun bank saya.
Bila bank suruh serahkan kereta kembali, kerana gagal membuat bayaran, guarantor menafikan kereta ada padanya. Saya telah membuat laporan polis mengenai hal ini. Guarantor berjanji mahu tukar nama tapi sampai sekarang senyap. Saya tidak dapat menghubungi guarantor sekarang dan tidak tahu dimana kereta tersebut.

Bila saya tanya pada mahkamah adakah guarantor turut terlibat? Mahkamah menjawab tidak. Sebab bank mahukan wang nya semula dari peminjam.

Apa perlu saya buat? Apa tindakan yang perlu saya ambil? Macam mana saya nak libatkan guarantor sekali? Perlu kah saya berbincang dengan pihak bank?
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answered on Nov 11, 2016 at 02:07
by   Mangsa
edited Dec 21, 2016 at 03:02
 
What is the relationship between you and the Guarantor.?

Guarantor berjanji mahu tukar name tapi sampai sekarang senyap.
I also would senyap dan lari. The car is under your name, why let other people drive and keep?

Perlu kah saya berbincang dengan pihak bank?
Err... kamu sudah jawap sendiri - Pihak mahkamah meminta saya berbincang semula dengan pihak bank

Macam mana saya nak libatkan guarantor sekali?
Awak yang memberi kereta, mengapa nak susah guarantor? Sebenarnya, dia yang akan menjadi mangsa selepas kes awak.
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answered on Nov 16, 2016 at 01:00
by   NOR YAYA
edited Dec 21, 2016 at 03:04
 
What is the relationship between you and the Guarantor?
Close friends. Now not anymore :(
He is missing in action.

Sebenarnya, dia yang akan menjadi mangsa selepas kes awak.
Meaning?

Any other solution to solve.
Yes I need to settle to the bank. but how about the car?
Pay monthly without car.
hmmmm....
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answered on Nov 16, 2016 at 16:17
by   Rayna
Memang kesilapan anda. Yang boleh anda buat sekarang adalah minta bank cari kereta itu dan tarik. Kemudian anda selesaikan tunggakan dan anda boleh ambil kereta anda semula.

Bincang dengan pegawai undang-undang bank masalah anda. Kalau boleh dalam bentuk bertulis supaya ada hitam putih.

Maksud encik Mangsa itu adalah selepas anda dibankrapkan, guarantor juga boleh dibankrapkan. terpulang pada budi bicara bank
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answered on Nov 16, 2016 at 17:24
by   jeff005
edited Dec 21, 2016 at 03:17
 
Saya telah menerima surat Petisyen Pemiutang dri MBB.
Means the total amount is more than RM30,000.

Questions:
1. How old is the car?
2. Make and brand of car?
3. When you handed the keys to ex-boyfriend? Any proof? How long ago?
4. What excuses did the police gave for no action?
5. He cannot be contactable by you, can he contact you? Has he got a Facebook or other social media accounts?
6. Can you get pics of him driving the car from Facebook or from friends? (pics taken after "loss" of car)

Yes I need to settle to the bank. but how about the car?
Pay monthly without car. You have to live with the consequences, no other choice. If it is a 4WD or "truck", probably cannibalised or have ended at Laos/Thai, Mynamar/Thai border villages.

Mahkamah menjawab tidak. Sebab bank mahukan wang nya semula dari peminjam.
Not totally accurate. It is the bank that has file bankruptcy against you. If you lari and/or declared a bankrupt, then only they'll file bankruptcy against him (at the discretion of THAT bank policies).

Go to the court or the bank lawyers and get copy of the Perintah that made you a Judgement Debtor. Some banks file for judgement debt on both Peminjam and Pemjamin at the same time. Only your case the bank file for bankruptcy on you (first).

The banks have checked on you. You are in a possible position to repay. So the bank haunt you..

He cannot renew road tax, the car is useless to him too. Is he aware that you have made police report?

Guarantor berjanji mahu tukar nama tapi sampai sekarang senyap.
First class Penipu.. But if he has no money (blacklisted by banks), how to "buy" over the car?

Do what @Rayna has suggested. The police report is useless for bankruptcy proceedings.
You do not have original keys and depending on what was stated in the report, there is no action by the police, hence, no insurance can be claimed as there is no theft of the car.

No other solution except to make a new deal to repay by instalments to the bank. The bank will accept, and maybe give some "discounts" too.

Read @Mursk or @Murusk case (2 years ago). Similar car situation. He was bankrupted in the morning, "revoked" by Penolong Kanan Pendaftar (PKP) in the afternoon. Court asked him to negotiate with the bank within 2 months. He did, make a composition with the bank and even got some discounts. Now the last 2 weeks on Diwali , I heard he is a free man...!! 
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answered on Dec 6, 2016 at 00:32
by   NOR YAYA
edited Dec 21, 2016 at 03:30
 
Terima kasih @jeff005, @Rayna, @Mangsa atas reply..

Maksud encik Mangsa itu adalah selepas anda dibankrapkan, guarantor juga boleh dibankrapkan.. terpulang pada budi bicara bank?

Tapi bank memfailkan bankrupt kepada saya dahulu dan tidak pada guarantor.

Yes, total debt now around RM70,000.

Questions:
1. How old is the car?
Since end of year 2013

2. Make and brand of car?
ECO Car Mitsubishi.

3. When you handed the keys to ex-boyfriend? Any proof? How long ago?
Sejak kereta di keluarkan.

5. He cannot be contactable by you, can he contact you? Has he got a Facebook or other social media accounts?
Got FB but already blocked by him.

6. Can you get pics of him driving the car from Facebook or from friends? (pics taken after "loss" of car)
Pic taken from his Facebook.

Untuk pengetahuan Tuan, kereta telah ditemui lokasinya sebab ada saman JPJ terkini pada bulan October 2016. Tetapi kereta itu telah di pajakkan oleh seorang lelaki berserta salinan geran dan tandatangan saya (semasa kereta bersama guarantor, guarantor telah memajak kereta saya tanpa pengetahuan saya). Menurut lelaki itu, dia boleh melepaskan kereta itu kepada saya tetapi saya perlu bayar jumlah kereta yang telah dipajakan lelaki itu kepadanya berjumlah RM17,000.

Saya dah berjumpa dengan pihak bank, berbincang mengenai kes kereta saya itu dan minta ansuran bayaran RM1,500 tiap bulan sehingga selesai tungakan 16 bulan sebanyak RM12,000. Tetapi bank tidak boleh terima saranan saya itu sebab dah masuk prosiding mahkamah. Pihak bank memberitahu saya agak sukar pomen nak ambil kereta itu dari lelaki itu.

Apa perlu saya buat? buntu?

Perlu membayar kepada kereta atau Bank?

Mana saya ada duit sebanyak itu nak selesaikan semua hutang-hutang itu.
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answered on Dec 6, 2016 at 14:36
by   jeff005
@ NOR YAYA

A kind forumer had discussed with me regarding your case. 
Below are parts of our discussion.





For further reading and knowledge go :-

http://www.ceritahutangbankdananda.com/2014/10/prosedur-undang-undang-pinjaman-kereta-sewa-beli-bahagian-3/comment-page-1/#comment-2526
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answered on Dec 8, 2016 at 15:00
by   NOR YAYA
edited Dec 21, 2016 at 03:32
 
Terima kasih @jeff005 and the teams for the reply.

I already drafted a letter to bank to make a negotiation. I'm asking the minimum amount to be paid monthly to settle the outstanding. Will see what is the decision from the bank. If bank does not accept my proposal, I have no choice.....

Should I report to Agensi Kaunseling dan Pengurusan Kredit (AKPK)?
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answered on Dec 8, 2016 at 16:03
by   TerminalStation21
edited Dec 21, 2016 at 03:33
 
Saya telah menghadirkan diri pada perbicaraan tersebut pada awal November.
Pihat mahkamah meminta saya berbincang semula dengan pihak bank


[should I report to AKPK?]

What is the point? Arahan dari Makhamah telah di nasihatkan. Yours is not only the Advanced stage but terminal station.
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answered on Dec 24, 2016 at 00:17
by   NOR YAYA
Hai....news updated

bank was reject my proposal..... bank ask me to settle the full amount outstanding for 16 month
to cancel that case.

what to do now...

- perlukah sy menghadirkan diri di mahkamah pd Jan 2017 ni ?

- boleh kah pd JAN 2017 ni sy minta penanguhan lg kpd pihak mahkamah untuk beri masa mencari cara membayar tungakan tersebut. Adakah bile sy tidak dapat menjelaskan tungakan tersebut, sy dikena kan tindakan undang2?

bg tuan ape jalan terbaik tuk diri sy.
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answered on Dec 24, 2016 at 17:07
by   Irdina
Kalau puan dibankrapkan, seterusnya puan boleh mengambil tindakan mahkamah ke atas bekas kekasih puan (saman sivil)

Kalau puan igt kes dua orang artis, Watie dan Hana dr kumpulan Elite. Hana dibankrapkan selepas meminjamkan namanya kepada Watie untuk membeli kereta. Kemudian Hana menyaman Watie kembali dan tuntutan beliau berjaya.
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