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Self Represent At Court To Fight Affin Bank

2395 Views  ⚫  Asked 1 Year Ago
asked on Mar 28, 2017 at 07:51
by   kunta_kinti
Purpose of this thread is to share court experience in my FIGHT with AFFIN BANK on credit card debt.

My original debt = RM9k.
I was served bankruptcy notice (Amount  RM77k) in 2015 thru substitute service.

I took the fight since then (already more than 1 year from date of noticed served). Throughout this period, i have attended court not lesser than 30 times; including attend case management, filing documents, file searches. TODAY, I AM STILL NOT A BANKRUPT PERSON. 

FYI, I am a layman. Cannot be more layman than layman.

End of 2016, the PKP rejected my application to set aside CP.
I made an appeal. Now the case is pending for decision by Judge in Chamber.

Stay tune for more.
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answered on Mar 30, 2017 at 19:44
by   louise
hi kunta,

Tell us what happened at your last Court date.
I thought you were supposed to wrap it up on that day itself.
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answered on Mar 31, 2017 at 04:16
by   kunta_kinti
@Louise

Tell us what happenned

it was quite an embarrass situation, for bank lawyer, not me. i hope the bank lawyer firm is reading this thread so that they can come prepared in next hearing and take my case seriously.

on that day, the Judge made a decision to demand both judgement debtor (me) and creditor (bank lawyer) to proceed with oral summission. 

prior to entering the court room, the court assistant checked with me how long would my oral summission take, and i told her between 5 to 10 minutes the most. while the bank lawyer agreed.

at the court room, the judge asked bank lawyer if he COULD do oral summission and the lawyer unable to answer. i told the judge i have prepared for summission. 

it was quite strange that the judge kept asking the bank lawyer similar question (3 times); " can you do oral summission?"

i was surprise, confused and not sure what to do beacuse i was supposed to be start my summission (apelent to summit first). but judge is looking at and asking bank lawyer if he is capable of doing what as supposed his area of expertise. strange wasn't it???

then i interrupt their "conversation" by asking "yang arif, appelent have no issue to proceed, is there any other concern?"

the judge told me that if JC (respondent) unable to summit in oral, then she has to postpone the hearing so that bank lawyer firm can send some lawyer who can DO ORAL.

i was completely stunned. a layman vs a lawyer, and the judge said give them a chance.

after our conversation, bank lawyer finally realize the judge was trying to give a chance to JC / respondent to come another time with someone who know how to "DO ORAL".

so, there you go, my case postponed to another date.
i cant blame the bank lawyer in this case because he was in fact mention on behalf for the actual law firm in kuala lumpur. and he was not given full fact on my case before attending.

lets see whether the lawyer firm will take me seriously or not in next hearing. i hope they will send senior lawyer to come so that i can have a FAIR fight.
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answered on Mar 31, 2017 at 04:33
by   kunta_kinti
by the way, for those who are too shy to ask, you may email to me at uthmanaffan15@gmail.com

however, inquiry only subject to matters related to court experience. frankly, i am quite confident in this area.
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answered on Mar 31, 2017 at 13:23
by   notalawyer
Corrections:
prior to entering the court room, the court assistant checked with me how long would my oral summission take, and i told her between 5 to 10 minutes the most. while the bank lawyer agreed.
the judge told me that if JC (respondent) unable to summit in oral,

Court Assistant actual title is Interpreter or Juru Bahasa.
Oral Summission should be spelled Oral Submission.
Summit should be spelled Submit.

Explanation:
To give Oral Submission means to verbally argue your case in a speech.
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answered on Apr 10, 2017 at 12:24
by   vkpc
Judge: Can you do Oral Submission today?
Bank Lawyer: Er... I don't have the file with me right now.
Judge: Can you do Oral Submission?
Bank Lawyer: Ah... I have already filed a Written Submission.
Judge: Can you do Oral Submission today?
Bank Lawyer: No, I cannot do oral today.
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answered on Apr 10, 2017 at 12:34
by   notalawyer
Hi Kunta,

We now have reliable information that the bank law firm in KL is sending a specialist senior lawyer
nicknamed "The Terminator" to fight against you at Alor Star High Court today, 10th April 2017.
I hope you are prepared.
Good Luck.
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answered on Apr 10, 2017 at 12:48
by   jeff005
Hakuna Matata To
Kunta the EXterminator
Best Wishes
WE are ALL behind U darling
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answered on Apr 10, 2017 at 13:15
by   kunta_kinti
haha..
but..
i am arnold schwarzenegger, so how?
lets see who terminating who.

the terminator versus arnold schwarzenegger.
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answered on Apr 10, 2017 at 17:55
by   nora
How was the hearing today?
Any updates?
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answered on Apr 10, 2017 at 18:07
by   jeff005
edited Apr 10, 2017 at 19:33
by   jeff005
Amoi.. wait la
Let us rest. Hungry. We had a whole morning online session at the high court itself and still is right now doing post mortem on the demise of the bank lawyers.
Hint.. positive vibes

Regarded as another WIN this round.
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