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Bankrupted and discharged in the past. Can I be charged for bankruptcy again by a bank which did not file for Proof Of Debt back then?

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asked on Oct 30, 2017 at 17:07
by   frederickstan
edited on Nov 17, 2017 at 06:41
 
I was declared bankrupt by Bank Simpanan National (BSN) in 2003 for credit card default. But I left Malaysia also in 2003.  I came back to renew my passport in 2008 but there was no restriction.

When I came back to Malaysia to renew my passport in 2012, Immigration told me that I was blacklisted and barred from leaving the country by Insolvency Dept. I went to check with Insolvency Dept and that is where I know that I was bankrupted by BSN.

I appointed a lawyer and he help me settled the outstanding and the release of bankruptcy from the High Court. Later Insolvency Dept gave a release letter to Immigration Dept and said that I was free from bankruptcy.

Recent RHB Bank called me and said that I have a credit outstanding with them since 1999 and I have not made any payment since 1999. Total outstanding more than RM100K!

My questions are:
1. Why RHB Bank did not declare this outstanding to Insolvency Dept way back in 1999?
2. Can I be charged for Bankruptcy again after I was release from bankruptcy in 2012?
3. I check my CTOS, CCRIS and RAM Credit. There is no bankruptcy notice for this outstanding.

Please advise.
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1 Answers

answered on Oct 30, 2017 at 19:44
by   kiki
1. Why RHB Bank did not declare this outstanding to Insolvency Dept way back in 1999? 
Probally they are not elerted. This one is already time barred. Make sure you don't reset the clock by making payment for even RM 10.

2. Can I be charged for Bankruptcy again after I was release from bankruptcy in 2012? 

Can.

3. I check my CTOS, CCRIS and RAM Credit. There is no bankruptcy notice for this outstanding.

Means no creditor file bankruptcy against you.  Possibly the one who called is the debt collector.
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