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Bankruptcy from Bank Pertanian

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asked on Aug 3, 2017 at 05:40
by   shamsulkamal85
edited on Sep 30, 2017 at 03:20
 
Can I know if there is any possibility that a bank can make a guarantor a bankrupt? When I check the status of the principal borrower of the loan, no bankruptcy proceeding has been commenced yet.

Baru saja dibankrapkan 25 July 2017.. I just went to the Jabatan Insolvensi Malaysia (JIM). They were also surprised but I have made an appointment to meet the Insolvency Officer this 15 August. 

I called the bank and managed to speak to the bank officer. I asked them as to why the principal borrower has not been adjudged a bankrupt while I was made a bankrupt. The officer kept saying that the principal borrower has special case with the bank. When I insisted for an answer then suddenly she told me that the principle borrower has won a legal battle against the bank, so the bank has no choice but to file bankruptcy against me.

The officer said they tried to call me and sent me letter to address I no longer use. She then ask me whether I read newspaper. I told them, no, I read online news.

My point here is what should I do? My savings account has been frozen. My HR already noticed this as I work in the banking industry too.

I also went to Bank Negara to lodge a complaint but the officer at Bank Negara said that I can't lodge complaint because I don't have any proof to do so.

I did a search with Jabatan Insolvensi Malaysia (JIM) on the principal borrower's name and it was confirmed that he is not a bankrupt.

Can someone please advise me..

They ask me go to court and find the case file and ask for a copy to lodge complaint. Can I do that? Can I sue the bank because of this?
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answered on Aug 8, 2017 at 20:38
by   shamsulkamal85
edited Sep 30, 2017 at 03:53
 
Can I do a 'carian file' using the borrower's IC number only. Because I got an advice to do my carian and also the borrower's file. I only have the borrower's IC number and full name.
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answered on Aug 8, 2017 at 22:29
by   kiki
edited Sep 30, 2017 at 03:54
 
Can I do a 'carian file' using the borrower's IC number only.
No need IC. Use court case number.
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answered on Aug 10, 2017 at 21:52
by   shamsulkamal85
edited Sep 30, 2017 at 03:55
 
@kiki

Do the principle borrower principle and me (guarantor) have the same case number?
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answered on Aug 10, 2017 at 22:24
by   kiki
edited Sep 30, 2017 at 03:55
 
Do the principle borrower principle and me (guarantor) have the same case number?
Last time when they charge him (the principal borrower) you are not involved.

Now bank only charging you.  Meaning two cases and therefore two different case number.

But you can always request Agrobank to give you the won court case number of the principal borrower.
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answered on Aug 10, 2017 at 23:23
by   jeff005
edited Sep 30, 2017 at 03:57
 
A JD or JID can have both Principle and Guarantor's name in the same PERINTAH.
I HAVE SEEN IT BEFORE.

This especially common in commercial loans.

The difference is that attempts must be made to bankrupt the principle borrower. If fail, then only can bankrupt the guarantor.
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answered on Aug 11, 2017 at 03:32
by   kiki
edited Sep 30, 2017 at 03:59
 
A JD or JID can have both Principle and Guarantor/s name in the same PERINTAH. 
I HAVE SEEN IT BEFORE


@Jeff, 
Now, ..if the main borrower's name is also in the same Perintah AORO together with the guarantor then both of them are supposed a bankrupt together. Now shamsulkamal85 claims that the principal borrower has gone scot free.. !!

@shamsulkama85,
Using your own bankruptcy number. 
Extract your own court document first. Have you done this?
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answered on Aug 11, 2017 at 10:57
by   vkpc
What he meant when he said "same perintah" was the original judgement, not the AORO.
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answered on Aug 11, 2017 at 16:34
by   shamsulkamal85
edited Sep 30, 2017 at 04:04
 
@kiki
Extract your own court document first
By Monday, I will get all these files. The officer at High Court (Aras 2 Sayap Kanan) is charging me RM2 per piece, yesterday I was not able to make it due my saving has been frozen thus I've been short of money to copy it all.

But you can always request Agrobank to give you the won court case number of the principal borrower.
Agrobank officer so defensive and compliance regarding this. I tried many times to request principal case number but they refuse to give. I even wrote a letter to them. I'm waiting for a reply from Agrobank.

@jeff005 @vkpc
What he meant when he said "same perintah" 
Can I retrieve or find this "same perintah"?
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answered on Sep 5, 2017 at 16:49
by   shamsulkamal85
edited Sep 30, 2017 at 04:05
 
I just received this letter from Agrobank. Can someone advise me?

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answered on Sep 5, 2017 at 17:28
by   vkpc
Which part of the letter you don't understand?
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