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Hutang loan dengan bank dan kos undang-undang terkejut sebanyak RM15,000

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asked on Jan 10, 2017 at 23:38
by   haniz
edited on Feb 2, 2017 at 05:51
 
Pada hari ini jam:-

11.50 Pagi - Saya dapat panggilan dari seseorang mengatakan dia adalah pegawai RHB untuk Easy Loan. Dari Munshi Abdullah, Kuala Lumpur. 

3.09 Petang - Dapat panggilan kedua minta buat bayaran untuk membersihkan nama saya buat semakan yang ada baki bayaran RM 2500 kalau tak silap. Tapi di beritahu termasuk kos-kos undang-undang saya diminta menjelaskan bayaran sebanyak RM 15,000 terkejut juga dibuatnya. 

Saya buat loan ni untuk membantu kawan, tapi hakikat kawan pun lari, itu mistake saya sebab terlalu percayakan kawan. Tapi musykil bila kos-kos telah naik sampai RM15,000 dan dibawa ke mahkamah tinggi Kuala Lumpur katanya.

Bila menceritakan kepada mereka pasal ingin restructure semula, tidak diendahkan. Tapi meminta saya bayar RM5,000 dahulu untuk clear list nama saya dari mahkamah tinggi KL, atau rumah saya kena sita, dan kunci perlu ambil di mahkahmah untuk tujuan clearlist nama..

Saya cuba selidik melalui carian google no telefon 03-272xxxx2 itu bukan bank RHB seperti yang dinyatakan, tapi tiada dalam listing pun, try search lagi nombor telefon tersebut didakwa pernah membuka iklan jawatan kosong di Mudah.com untuk mengisi jawatan kosong. Ada satu lagi nombor handphone 0111-220xxxx tapi search Taddyus. 

Sekarang hidup dalam ketakutan, mak ayah tak tahu tentang ini. Segan dengan diorang. 
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answered on Jan 11, 2017 at 15:56
by   PassingBy
edited Feb 2, 2017 at 06:16
 
@haniz

sampai RM15,000 katanya ada masuk kos guaman
Go check CTOS to verify this claim to see if there has been a 'Perintah' awarded.
RHB is famous for lawsuits making defaulters Judgement Debtors even at less than RM4,000.

Are you from East Malaysia? 'Kos guaman' claims from lawyers is crazy high there.
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answered on Jan 12, 2017 at 21:11
by   Adya
edited Feb 2, 2017 at 06:16
 
@PassingBy

I used to work with one of the largest law firm in East Malaysia.
Legal fee for both writ and bankruptcy stage rarely exceed RM5,000, unless contested.
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answered on Jan 12, 2017 at 22:06
by   PassingBy
edited Feb 2, 2017 at 06:18
 
@ Adya

For a poor man like me, even a RM800 is crazy high.

How do junior lawyers survive there? Take bus to go to court? No wonder you have changed your job and/or location.

Nice.. you are a lawyer or have worked in the legal services before right? Perhaps you should be able to explain the above case, from RM2,500 - RM15,000 claims..

Wow.. you are quite sensitive when I quoted East Malaysia.. reason??
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answered on Jan 23, 2017 at 21:49
by   Adya
edited Feb 2, 2017 at 06:21
 
@PassingBy

I'm no longer in the field, now pursuing other career. The rates are set by banks. For straightforward cases usually won't cost so much because banks have to pay us first before they can claim from customers.

The lawyers go to court using sampan, no need to pay toll and fuel leh.
Besides for straightforward banking summons nowadays no need to attend court. All are done by efiling. File today, serve tomorrow. After stipulated period of service and response, file for appearance search. No appearance filed? File certificate of non appearance and draft judgement. Magistrate approves the draft, straightaway file Judgement in Default (JID). All can be done within 1 month.

For bankruptcy, only need to attend once and twice. Once after filing of Notis Kebankrapan (NK) to update progress (which lawyers can even do electronically @ using email), another one during hearing of creditor's petition. That's all. They earn RM3,000 - RM5,000 for the case, moving on to the next one. 
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answered on Jan 23, 2017 at 21:52
by   Adya
edited Feb 2, 2017 at 06:21
 
For the above case, I believe the amount is exaggerated by the bill collectors. The bank probably asked for RM3,000-RM5,000 legal fee. But the bill collectors fee...
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