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Hutang bank tertunggak (credit card & personal loan)

1646 Views  ⚫  Asked 1 Year Ago
asked on Jan 21, 2017 at 20:29
by   De oumet
edited on Feb 2, 2017 at 07:37
 
Mohon pendapat berkenaan masalah hutang saya. Sekarang saya berhutang dengan 4 bank pasal jahil join MLM dulu. Sekarang saha sudah tertunggak selama 4 tahun tak bayar hutang-hutang. Sekarang saya dapat bayar untuk 2 bank sahaja dan lagi 2 bank saya tak mampu bayar. Minta pendapat macam mana nak setel kan untuk 2 bank ini?

1. Maybank (credt card)
Debt collector asyik panggil suruh bayar full payment RM3600. Adakah patut saya jumpa pihak bank dan minta restructure balik? Saya dah 2 tahun tak byar hutang ini.

2. RHB (personal loan)
Kena paksa bayar full payment RM10,000 dan saya minta kuangkan tak dapat. Outstanding selama 4 tahun sebab masalah kewangan.. sekarang debt collector dah ugut nak pergi rumah dan ofis. Patut kah saya jumpa pihak bank direct untuk restructure loan ini? Boleh kah saya minta restructure lepas dah 4 tahun outstanding?

Mohon pertolongan kalian..
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7 Answers

answered on Jan 23, 2017 at 16:53
by   De oumet
edited Feb 2, 2017 at 07:46
 
Sorry for the statement above..this is my situation:-

1. Maybank (credit card)
Debt collector K***** Partner keeps calling me to pay the full amount of the outstanding bill but I told them that I can only keep paying the bank RM 200 monthly. This outstanding is about 2 year. Can I go to the bank and ask for restructure?

2. RHB (Personal Loan)
Outstanding for 4 year due to financial problem and now the debt collector keep calling me to pay an amount that I'm not capable to retain every month. Now they using tactic that they want to visit my house and office also want to 'sita' the house (it was my mother in law house). Should I go to the bank ask for restructure the payment after outstanding for 4 years?
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answered on Jan 23, 2017 at 23:21
by   jebat
edited Feb 2, 2017 at 07:47
 
Now they using tactic that they want to visit my house and office also want to 'sita' the house (it was my mother in law house).
Sediakan kopi dan ketayap.

Should I go to the bank ask for restructure the payment after outstanding for 4 years?
Tunggu 2 tahun lagi, hutang akan menjadi luput. (mengikut Akta Had Masa)
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answered on Jan 23, 2017 at 23:56
by   De oumet
edited Feb 2, 2017 at 07:49
 
Tunggu 2 tahun lagi, hutang akan menjadi luput. (mengikut Akta Had Masa)..
Betul kah boleh luput? Bank memang tak boleh saman atau isytihar bankrap?
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answered on Jan 24, 2017 at 02:55
by   jebat
edited Feb 2, 2017 at 07:49
 
Betul kah boleh luput? Bank memang tak boleh saman atau isytihar bankrap?

Akta Had Masa adalah undang-undang mantap.
Tak boleh saman (kalau belum saman) dan tak boleh istihar bankrap.
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answered on Jan 24, 2017 at 17:22
by   De oumet
edited Feb 2, 2017 at 06:35
 
I have an outstanding loan from 4 banks last 4 year and the last term I paid was 2012 due to my financial problem. Now that my financial is a little bit OK and I want to try settle all the outstanding.

1. Am I still eligible to apply for AKPK program? Will they accept me due to my 4 years outstanding loan?

2. Should I go to every bank personally ask them for restructure?

Starting December last year, I got calls from debt collector. I don't want to settle any payment with them after reading from many view on this forum. Hope anyone can help me.
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answered on Jan 26, 2017 at 16:19
by   Advocate
Hey, suggest that you visit AKPK. They will provide you free counseling on this. It's best to clear your name and clean your CCRIS/CTOS records so that perhaps in future if you wish to take a proper loan then, you could. All the best, don't give up! There's always hope - God will guide you. Check out this blog for more details on court action/AKPK prog/any debt issues for that matter.

https://www.ceritahutangbankdananda.com/
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answered on Feb 3, 2017 at 14:46
by   jeff005
edited Feb 14, 2017 at 05:22
 
I have an outstanding loan from 4 banks last 4 year and the last term I paid was 2012
You have asked this issue before. Your issue is not only just AKPK APPLICATION

A correct answer to this post is just:
Go to AKPK direct and apply for the Debt Management Program (DMP).
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