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Bankrupted but still received bank notification on account assigment to collection agency

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asked on Apr 28, 2017 at 17:03
by   sonyericsson
edited on May 2, 2017 at 09:52
 




I just got this 2 letters recently billed to my rented place (dunno how they managed to after all these years).

My questions are:

1. Should I even respond to them (AmBank) because I am already a bankrupt?
2. As far as I know, I was told by Insolvency officer that this amount is included in my bankruptcy proceeding (but it didn't show in CTOS). Am I being played by the Insolvency?

I have already surrendered to the Insolvency 4-5 years ago.

Hope someone can enlighten me on this.
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4 Answers
answered on Apr 29, 2017 at 00:33
by   kiki
edited May 2, 2017 at 09:56
 
1. Should I even respond to them (AmBank) because I am already a bankrupt?
You were made a bankrupt by Affin Finance. 

You must confirm again with Insolvensi whether Ambank is also one of your creditor who submitted Proof of Debt (POD) to them.
 
If answer is Yes, then they have no right to chase you anymore. 

If the answer is No, also Ambank  not supposed to chase you because in their own letter they acknowledged  (with attached CTOS report) that you are a bankrupt. What laaa....

2. As far as I know, I was told by Insolvency officer that this amount is included in my bankruptcy proceeding (but it didn't show in CTOS).
Whether it shows in CTOS or not is not important anymore.

Am I being played by the Insolvency?
Are you indicating that you trust the bill collector who sent you the two letter more than the Insolvency Official Assignee (OA)?
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answered on May 2, 2017 at 17:40
by   sonyericsson
edited May 8, 2017 at 04:21
 
Thanks for the reply.

1. I already made an appointment next week to Malaysia Department of Insolvency (MDI). Luckily I searched on internet that that they has move to a new building, instead of Pertama Kompleks.

2. Whether it shows in CTOS or not is not important anymore.
OK. Noted

3. Are you indicating that you trust the bill collector who sent you the two letter more than the Insolvency Official Assignee (OA)?
No, some misunderstanding here. What I mean is, did the Official Assignee (OA) miss out explaining this to me or was it Ambank missed out on my bankruptcy status.

One other thing is I didn't realise that I has been paying to MDI since year 2011. I do defaulted many times though and I didn't pay the amount that they demanded which is ridiculous (at least 10% of my salary ). They renegade on their promise when they say that I only have to pay RM200 monthly.
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answered on May 2, 2017 at 17:46
by   Nora
edited May 8, 2017 at 04:22
 
I didn't realise that I have been paying to MDI 
It appears that you treat bankruptcy very lightly.
Do remember to forget to apply for discharge in 10 years time.
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answered on May 2, 2017 at 23:45
by   sonyericsson
edited May 8, 2017 at 04:27
 
It appears that you treat bankruptcy very lightly. Do remember to forget to apply for discharge in 10 years time.
As a matter of fact, I really forgot since which year I surrendered to Malaysia Department of Insolvency (MDI) until I made that call to find out my case file, as I misplaced all those document and my PC hard disk corrupted.

In my mind, I always think that even though I have paid for 5 years... there is little chance I am going to be discharged that early. Out of the sudden, like smack in my face... there is the urge for me to made the call for the appointment with MDI.
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