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Self Represent At Court To Fight Affin Bank

2015 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 Apr 11, 2017 at 04:48
by   jeff005
edited Apr 11, 2017 at 05:20
by   jeff005
Briefly so as not to disappoint those who were following this thread.
1. The Judge is professional.
2. Both sides provided their oral submission.
3. The Yang Arief asked both sides many questions.
4. The Responden ( bank lawyer) could not explain properly.
5. No verdict given today.
6. The final hearing at end of this month, the Judge will announce the verdict/judgement.

The Avenger's consensus of 6 members following online the whole morning, is that, unanimously, we won this round. Unless some unexpected development between now to end of this month, Kunta holds the upper hand at this point of time.

Let the xTerminator post his actual dialogues inside Kamar. He needs a good rest now. Got working commitments too. All of us were flabbergasted at the speed of this Judge going thru the whole proceedings. This actually caught everyone off guard, even the bank lawyers side who did made possible incomplete oral submissions which could be advantageous to the Perayu aka Appellant aka Kunta.

The main point is... the Notis Kebangkrapan is Defective.

Well.. goodnite to all.. sweet dreams..
But I can't sleep.. Full Moon tonite.. I wanna go outside to celebrate this V...
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answered on Apr 11, 2017 at 11:13
by   vkpc
I was surprised The Terminator drove the whole night from KL to Alor Star instead of taking a flight.
Possibly the bank or the law firm is not paying him enough Court Attendance fees.
Bank lawyers are even more destitute than mushroom farmers.
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answered on Apr 11, 2017 at 12:03
by   jeff005
edited Apr 11, 2017 at 12:34
by   jeff005
@ vkpc

I told U that he could have spend the Sat and Sun nites at nearby Hatyai town for Timsum wat and shopping spree. This should account for the fact he was late for the court session. 

Anyway my impression is tat the MOB guy could have done a better Oral Sub than him.
He does not know immigration is at overgear on Mons morning @BKH
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answered on Apr 11, 2017 at 12:46
by   jeff005
edited Apr 11, 2017 at 13:05
by   jeff005
I/we were irked by some comments.
"Why fight bkcy? Accept the bkcy than to pay the bank la". if this comment comes out from an oxymoron like me, it is acceptable. But coming out from a learned man who have so much court experiences, it is wholly unacceptable.
It indicates that some learned homo sapiens does not know how bkcy can affect an individual, esp to family man who are sole bread winner. The prospects of losing the current job is high. For some, the bankupt cannot be guarantor for study loans for their children. And many other issues depending on individual circumstances.

The comment is from the perspective from the lawyer firm representing the bank. As we already know, it costs the bank around 8k to 10k to bankrupt a debtor. To max their profits, there are costs cutting measures, the debtor is often bankrupted in absentia. Once a Self Representor fights against his/her bcky, it digs deep into  the profits of the lawyers coffers. For mistakes made in the lawsuit, the banks DO NOT pay.. Hence the kind advise to be bankrupted than to pay his paymasters.

I put it to the readers here...

To Fight or Not To Fight Bankruptcy?
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answered on Apr 11, 2017 at 15:07
by   jeff005
edited Apr 11, 2017 at 15:20
by   jeff005
@ vkpc

Mushrooms Farmers are notable respectable Humans feeding homo sapiens.
Vs
Some kinds of Lawyers bullys, looked down on financially poor and poorly educated mammalians... incl Self Representing Fighters.. inside/during open court or dalam Kamar proceedings.. iNHUMANE social xxxxxxssss...

Want me to show proof?
One bucket of KFC on the table..
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answered on Apr 11, 2017 at 16:28
by   jebat
Saya terkedu apabila dengar peguam bank dari KL meramal kepada kunta,
Affin Bank tentu akan menang sebelum bicara rayuan bermula.
Katanya kecacatan Notis Kebankrapan itu remeh sahaja.
Mungkin dia sikit over confident.
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answered on Apr 12, 2017 at 06:23
by   Idries
Saya harap kunta tidak kantoi. Bank yang sama sqya hadapu dahulu. Laman ini banyak membantu saya. Kepada kunta, belajarlah dari mereka yang baik hati ini.
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answered on Apr 12, 2017 at 15:46
by   jeff005
edited Apr 12, 2017 at 15:50
by   jeff005
Idries, kunta adalah seorang avenger yg contributed advice and moral support dlm perjuangan case anda.
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answered on Apr 12, 2017 at 16:48
by   jebat
hai Idries,

Apa khabar?
Apa jadi dengan rumah u sekarang?
JIM ada beri pengecualian tak?
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answered on Apr 12, 2017 at 18:29
by   nora
Macam mana ni...

Avenger HQ cakap kunta-kinti boleh menang.
Peguam cakap Affin Bank akan menang.

Siapa yang betul?
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