Advertisement

Kebankrapan dan Pengeluaran KWSP

1064 Views  ⚫  Asked 1 Year Ago
asked on Jan 17, 2017 at 07:38
by   Razarun
edited on Jan 23, 2017 at 10:25
 
Pada 1997 saya telah diperintah hadir kemahkamah atas satu tuntutan hutang kad kredit oleh MBF (waktu itu) sekarang AM BANK berjumlah sepuluh ribu ringgit.

Malangnya saya tidak hadir. Semua surat dari bank dan mahkamah saya abaikan selepas itu. Baru baru ini saya terima lagi surat dari AMbank yang mengatakan telah menuntut mahkamah menbankrapkaan saya dengan nilai hutang telah mencecah RM500 ribu lebih.

Saya telah memeriksa status keluar negara dengan Jabatan Imigresen, dan jawapannya Tiada Halangan.

Akaun bank saya yang lain masih aktif.

Soalan:1: Apakah yang saya perlu buat untuk mengeluarkan simpanan KWSP semasa mencapai umur 50 tahun?
Soalan 2: Adakah mahkamah akan mengeluarkan perintah bankrup setelah 20 tahun tuntutan?

Saya berharap pihak tuan dapat memberi nasihat yang dapat membantu saya mengatasi masaalah ini. Terima kasih...
0 had this question
Me Too
0 favorites
Favorite
[ share ]
6 Answers

answered on Jan 17, 2017 at 18:39
by   jeff005
Soalan:1: Apakah yang saya perlu buat untuk Mengeluarkan simpanan KWSP semasa mencapai umur 50 tahun. 
What is your age now?

Soalan 2: Adakah mahkamah akan mengeluarkan perintah bankrup setelah 20 tahun tuntutan. 
Tidak
Tetapi terhampir kepada bila tuntutan terjadi dan adakah Perintah Ingkar (Judgement In Default = JID ) di bagi dari Mahkamah dan bila JID (tarikh) di bagikan.
Apabila dapat JID, bank ada hak 12 tahun untuk tuntutan bangkapsi sahaja.

Go get a current CCRIS report from BNM
Go get a current CTOS report (bearing in mind it may not be accurate as this is a "20" year debt).
0 found this helpful
Helpful

answered on Jan 18, 2017 at 00:12
by   Razarun
edited Feb 26, 2017 at 06:23
 
What is your age now? 
2017 adalah tahun ke 50.

Apakah langkah terbaik perlu saya lakukan sebelum mengemukakan permohonan pengeluaran umur 50 di KWSP?
0 found this helpful
Helpful

answered on Jan 18, 2017 at 00:31
by   jebat
edited Feb 26, 2017 at 06:27
 
Soalan:1: Apakah yang saya perlu buat untuk mengeluarkan simpanan KWSP semasa mencapai umur 50 tahun.

Oleh kerana kamu tidak bankrap, maka pengeluaran boleh dibuat melalui cara biasa, iaitu melalui transfer ke dalam akaun bank anda.

Soalan 2: Adakah mahkamah akan mengeluarkan perintah bankrup setelah 20 tahun tuntutan.

Biasanya tidak boleh.  Kalau boleh kenapa kamu masih belum bankrapkan?
Abaikan Ambank dan agen-agennya.
0 found this helpful
Helpful

answered on Feb 16, 2017 at 04:50
by   Freya
edited Feb 26, 2017 at 06:38
 
Speaking of this, by the age we can withdraw EPF, will bank sponge off the EPF money?
0 found this helpful
Helpful

answered on Feb 20, 2017 at 15:21
by   jeff005
edited Feb 26, 2017 at 06:49
 
Bank will not 'consume' your moneys while still inside EPF account. It is protected by EPF Act and Laws.

The banks, creditors, Jabatan Insolvency Malaysia (JIM), cannot get a Garnishee Order for this financial account. YES.. EPF is a Financial Institution and thus is also regulated by Bank Negara Malaysia (BNM) and the Ministry of Finance for their "Investments".

But once withdrawn, it is "Yours Only"

For Bankrupts, JIM can do something about it, depending whether having reported in to JIM or not. Also depends on whether you have banking accounts (Hidden Joint Accounts).

For non Bankrupts, the banks can do something like applying for a Garnishee Order on the bank account you have banked the EPF withdrawal.

Read the following for previous discussions on this topic and ask questions there.

https://www.lawyerment.com/answers/questions/9861/guidelines-for-epf-withdrawals-for-bankrupts-and-those-under-bankruptcy-proceedi?g=2

https://www.lawyerment.com/answers/questions/10408/withdraw-cpf-in-singapore
0 found this helpful
Helpful

answered on Mar 4, 2017 at 23:01
by   Kell
Hi everyone there,

Any problem for a bankrupt to withdraw his/her EPF at age 50, 55 if he/she has a individual bank account? The bank account A is opened previously with JIM's approval letter for the salary purpose. The bank account B is luckily managed to open after bankrupt. Both banks are still active with a very little of money to activate the transactions to prevent account to be domain.

Really scare after withdrawal of EPF and the money will be blocked from withdrawal to the husband/wife account.

Your advised is appreciated.
0 found this helpful
Helpful

Your Answer





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