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Notis Kebankrapan dan AKPK: Apa perlu saya lakukan untuk masalah ini?

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asked on Mar 4, 2019 at 14:32
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edited on Mar 25, 2019 at 15:12
 
(A) TERIMA NOTIS KEBANKRAPAN  

Demi menjimatkan masa dan memastikan tindak balas segera sila berikan maklumat berikut: 

1. Bagaimanakah notis itu diserahkan kepada kamu?
Surat diserahkan kepada bapa yang tinggal di kampung oleh seseorang yang tidak dapat dipastikan siapa tetapi tinggal di kampung bersebelahan. 

2. Bilakah tarikh kamu menerima nya atau tarikh notis itu di iklan/siarkan di akhbar?
Saya hanya mendapat tahu dalam akhir minggu lepas.

3. Apakah tarikh Notis Kebankrapan itu?
20 Februari 2018

4. Adakah amaun yang di tuntut bertepatan dengan hutang sebenar kamu?
Ya.

5. Adakah kamu menandatangani resit sebagai akaun penerimaan notis tersebut?
Tidak kerana berada di Penang (bekerja dan tinggal di sini).

6. Bilakah tarikh pendengaran kes seterusnya?
23 Mac 2019

7. Sila muatnaik (upload) dokumen Penghakiman/Perintah dan afidavit demi pencerahan lebih tepat.







8. Muatnaik maklumat maklumat lain sekiranya di anggap berkaitan dengan kes.
N/A

Ingin bertanya kepada pakar semua. Saya sudah buat research dalam website ini tapi belum mempunyai jawapan yang perlu saya lakukan untuk masalah ini. Saya telah telefon pihak bank namum pihak bank memberitahu saya perlu membayar sekurang-kurangnya RM51,000 ke dalam akaun ini untuk membolehkan pihak bank membatalkan prosiding.

Saya juga ada bertanya adakah saya boleh berjumpa AKPK untuk pertolongan dan pihak bank memberitahu boleh cuba. Saya sudah mendaftar DMP di AKPK malangnya tarikh yang paling cepat untuk temujanji dengan kaunselor ialah pada 8 Mac ini.

Apa yang perlu saya lakukan untuk masalah ini? Saya ada baca tentang afidavit tetapi saya tidak pasti apa yang perlu di lakukan ataupun masih ada peluang untuk dilakukan.

Terima kasih semua.
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answered on Mar 4, 2019 at 16:53
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edited Mar 25, 2019 at 15:20
 
@HgTuah

Just two comments from me:

1.  Writ Saman No 52(A) 894 -04-/2012
Judgement Debt dated 29/05/2012. By applying the Limitation Act, they can only charge interests for 6 years. For this case they have charged until 20/02/2019.

2.  Find out if they have made an application to court to issue a Notis Kebankrapan. The same 6 years limitation applies for the application of the Notis Kebankrapan from date of Judgement Debt 29/05/2012.

Ref:  For the interests element
https://www.lawyerment.com/library/kb/Insolvency/Bankruptcy/1596.htm

By getting advises from senior members from this forum, you may be able to set aside this application or to delay to buy time for your AKPK DMP to be activated to avoid bankruptcy. I am not into reply affidavits.

And another thingy:-
If AKPK accepts your Debt Management Programme (DMP), the bank would still submit the same amount charged. AKPK is also empowered to reduce the interests charged and no further interests can be charged. Bear that in mind.

DISCLAIMER: Material posted in this forum represents my personal opinion(s) only and should not be taken to be legal advice.
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answered on Mar 4, 2019 at 17:18
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edited Mar 25, 2019 at 15:21
 
Ikut nasihat @jeff005, sediakan afidavit bantahan yang membantah 4% Gantirugi Lewat bayar yang melebihi 6 tahun itu. Isu ini boleh kalahkan Notis Kebankrapan ini.

Paparkan deraf afidavit disini untuk semakan. Kalau tak reti, baca thread @John01.

Jangan lambat ya.
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answered on Mar 4, 2019 at 17:38
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edited Mar 25, 2019 at 15:23
 
2. Find out if they have made an application to court to issue a Notis Kebankrapan. The same 6 years limitation applies for the application of the Notis Kebankrapan from date of Judgement Debt 29/05/2012.

@jeff005,
Based on the last image, they have got the leave from the Kota Bharu High Court on the 03/12/2018.
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answered on Mar 4, 2019 at 17:55
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edited Mar 25, 2019 at 15:30
 
Bro @kiki.. many thanks.

I did not see the last one, too blur for me.

03 December 2018 is over the 6 years right? I am bad with affidavits. I hate to read affidavits..!!

I forgot Rule of Courts the orxx

Cheers..

And I think under the Bankruptcy (Amendment) Act 2017, any Notis Kebankrapan has to be hand served personally to the debtor, it has this new strict regulation. Cannot do it blindly like last time. Tak boleh curi ayam lagi like last time.
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answered on Mar 4, 2019 at 19:06
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Terima kasih atas respons. Adakah saya boleh mengemukakan afidavit di Mahkamah Tinggi Pulau Pinang atau saya perlu balik ke Kelantan untuk urusan itu?
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answered on Mar 4, 2019 at 19:50
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edited Mar 25, 2019 at 15:34
 
@HgTuah,

Berikut adalah sedikit pandangan saya :

1. Bayar RM12 secara online, supaya dapat cari fail bagi kes awak.

2. Semak penyata akaun. Adakah legal fee, late charges, dan faedah di charge itu, mematuhi terms of judgement?

3. Notis harus disampaikan secara kepada kamu by hand.

4. Adakah bayaran yang kamu telah bayar tetapi tidak dikredit masuk ke penyata akaun?

5. Limitation Act seperti yang dimaklumkan oleh forumer yang lain memang applicable.

6. Sediakan afidavit secepat mungkin.

7. Semak samada dokumen-dokumen yang dikemukakan untuk permintaan mengeluarkan Notis Kebankrapan itu ada ditandatangani dan dimeterai, whenever necessary.
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answered on Mar 4, 2019 at 20:00
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edited Mar 25, 2019 at 15:35
 
@Hgtuah,

Semasa bank memfailkan permintaan untuk mengeluarkan Notis Kebankrapan, bank harus mengemukakan dokumen berikut:

1. Penghakiman
2. Saman / writ & pernyataan tuntutan
3. Loan agreement.

Jika tak lengkap, court shall reject the request.
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answered on Mar 4, 2019 at 22:11
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edited Mar 25, 2019 at 15:36
 
@HgTuah,

Tulisan dokument amat kecil, susah mahu baca. Jika tak silap baca,

bank telah dapat kebenaran mahkamah, walaupun 6 tahun telah luput, untuk mengeluarkan Notis Kebankrapan.

Tahun Notis Kebankrapan 2018 atau 2019?
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answered on Mar 5, 2019 at 15:25
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edited Mar 25, 2019 at 15:54
 
@harapan besar

Tahun Notis Kebankrapan 2018 atau 2019?

Kalau ikutkan surat ni tahun 2019. Bila saya cuba buat semakan di laman web kehakiman saya tidak jumpa writ saman tu di Mahkamah Seyen Kota Bharu. Saya dah masukkan nombor writ berserta dengan "-".
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answered on Mar 5, 2019 at 16:19
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edited Mar 25, 2019 at 15:57
 
@HgTuah,

Rule 90, Insolvency Rules 2017:

ISSUE OF NOTICE

(1) BRIEFLY, creditor shall produce
i. the judgement,
ii. writ of summons,
iii. loan agreement
when applying for the issue of a bankruptcy notice.

(2) If the creditor fails to comply with the requirements of this rule, the court shall reject the application.

In you case, since the bankruptcy notice has not been personally served on you, you may choose to ignore it if you wish and if ignoring it is to your advantage.

Lets hear what other more frequent forumers' opinion, even though they are not lawyers, their opinion help.

I may not be able to response to every of your question, because I am preoccupied with other matters.
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