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Dikejar debt collector untuk tuntutan hutang bagi pinjaman pada tahun 2006/2007 yang telah pun mencecah 200k++

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asked on Feb 20, 2021 at 13:33
by  
Aslmkm / Salam sejahtera

Mohon nasihat dan pandangan dari pihak tuan.
Saya telah dihubungi oleh sebuah syarikat debt collector yang memaklumkan bahawa mereka ada maklumat hutang yang telah dijual kepada mereka oleh sebuah bank tempatan. Maklumat hutang tersebut adalah

- Hutang untuk 2 kad kredit untuk tahun 2006 dan 2007 dengan hutang terkumpul bagi kedua-dua CC tersebut sekarang adalah rm 170 K ++. Bayaran terakhir saya lakukan untuk kedua-dua kad ini adalah pada tahun 2008
- Hutang kereta waja (telah ditarik dan di lelong pada tahun 2007) yang sekarang berjumlah rm 40 k++

Jumlah hutang : rm 210k++

Status sekarang adalah debt collector ini kerap menghubungi saya di tempat kerja dan malah telah pun datang ke tempat kerja saya untuk berjumpa berkenaan hutang-hutang ini terutamanya jika saya tidak mengangkat panggilan mereka . Ini telah menyebabkan pekerja-pekerja lain di tempat kerja saya merungut berkenaan situasi ini. Saya telah pun menghubungi mereka memberitahu supaya jangan lagi menghubungi saya atau datang ke tempat kerja saya tetapi mereka juga memaklumkan bahawa saya pun perlu juga lakukan pembayaran tehadap hutang ini semua jika ingin isu ini diselesaikan. Saya kemudian mengarahkan mereka untuk menghantar ke email saya semua maklumat terperinci berkaitan hutang - hutang tersebut untuk tujuan rujukan saya sebelum saya membuat sebarang keputusan. Mohon nasihat pihak tuan berkenaan

1. Perlukah saya membayar hutang-hutang CC dan kereta ini semua  memandangkan ianya telah pun melebihi 6 tahun dari tahun terakhir saya lakukan pembayaran  berpandukan akta had masa 1953 ???
2. Bagaimanakah saya ingin memberhentikan terus debt collector sekarang daripada mengganggu saya atau mana-mana debt collector yang mungkin akan dilantik dimasa depan jika akaun hutang saya ini diambil alih oleh debt collector yang lain jika option saya adalah untuk tidak membayar hutang ini ???
3. Adakah tindakan saya untuk memaklumkan debt collector supaya tidak lagi mengganggu saya ditempat kerja dan mengarahkan maklumat hutang saya yang mereka ada untuk dihantar ke email saya bagi tujuan rujukan saya adalah satu tindakan yang betul dan sah? atau saya perlu ke pejabat mereka untuk mengambil notis bertulis berkenaan maklumat hutang tersebut???
4. Sekiranya saya tidak perlu bayar hutang tersebut dan tuntutan telah dibuat keatas saya dan  saya perlu hadir ke mahkamah, bagaimanakah ingin saya mebuktikan di mahkamah bahawa hutang - hutang saya ini semua saya tidak perlu dibayar berpandukan akta had masa 1953 tersebut.???

Terima kasih tuan untuk sebarang pencerahan yang diberikan
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answered on Mar 20, 2021 at 17:58
by  
Vince Sum 

Thanks for the info... Is they using the same person / debt collector company to chase for the cimb and stand chart together or they split to different person to chase for different bank ? 
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answered on Mar 20, 2021 at 18:30
by  
@oldlantqm

Split...different bank different pic...even pic always change

The only thing i am hoping real hard time limitation still applies despite the vesting order
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answered on Mar 20, 2021 at 19:15
by  
edited Mar 20, 2021 at 19:51
by   Oldalantam
Vince Sum ,

What you mean by that ? You worries limitation reset once the bank vest over to 3rd party ? 

How long already your last payment of those debt ? 
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answered on Mar 20, 2021 at 21:16
by  
@oldlantam

For public bank .cimb. public bank .last payment 2002

Fot stqndard chartered 2003

Aigon claim time linitation reset in 2018 when they purchase the debt.
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answered on Mar 20, 2021 at 21:51
by  
Vince Sum 

Not Aiqon claimed , the debt collector claimed . They also always claimed legal action taken / in progress , ask debtor to pay some money if want to stop the progress.

They will said things that will make you pay , that their job . 
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answered on Mar 20, 2021 at 22:03
by  
edited Mar 20, 2021 at 23:03
by   jeff005
@ Oldalantam

So, your "settlement" was oso via BC of AIGON?
Release Letter? Oso from AIGON?

Same msg to you oso "claim time limitation reset in 2018 when they purchase the debt".

Oso, they are aware that debtors will may plead the Limitation Act on any Lawsuit. Very clever misrepresentation of Law Facts.

-------------------------------------------

@ Dr Haris..  what says you? You settle this problem This is ur thread..  i,m washing my hands with soap and running water for 20s, from now onwards.

Note : Ur damn lucky to deal directly with your new creditor who is now the owner of the debt via a Vesting Order.

They cleverly never mentioned "time limitation reset in 2019 (AMB/AIGON) when they purchase the debt" to you even after you stated that you deny  the debt and will contest  any lawsuit. If stated or even mentioned by AIGON, this would put them in more serious trouble in court if you can produce "evidence".

Misrepresentation of Laws is a crime conducted /carried out...

But any misinterpretation of laws from me is non criminal in nature as i,m just a senior citizen layman with no qualifications as per me caveated..

 itoldubeforetheyrosolawyers... (in rusia by my new gf)

Never mentioned Limitation Act to any BCs. They are trained to answer people. If you have argued with them and they says that the Vesting order have reset with the purchase, you cannot answer if you do not really understand what is inside the LA2017. Dun try to be too clever.

Just deny the debt and will contest any lawsuit.. da habis cerita

Selesai di Mahkamah jklu tak mampu membayar hutang.. ape lu mau lagi?
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answered on Mar 20, 2021 at 22:57
by  
@Jeff

They more clever...threatening my mum telling her they can lelong her house since i owing Aigon.which make us wonder how that can happen since property registered n purchase under her name 45 years ago. N i only owing Aigon or banks 20 years ago. Totally not logic yet DC will say anything even pretending they calling from mahkamah....lol
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answered on Mar 20, 2021 at 23:08
by  
Btw i didnt mention anything about time limitation. Still BC mention vesting order reset.

Perhaps bcos i ask why only saying owe them when debt is more or almost 20 years ago...so they got sensitive.
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answered on Mar 20, 2021 at 23:10
by  
edited Mar 20, 2021 at 23:22
by   jeff005
How old are you?
I have asked before. I know oldmantam age. I even know Dr Haris dob and his addresses and various contact numbers. I dunno U..!!

There is logic when one understand basic laws and can apply it.

There is no logic when one is inert with everyday laws.

Logic vs No Logic
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answered on Mar 21, 2021 at 09:26
by  
@jeff 

47. Actually 46++... 

Btw i heard being a bankrupt life is very bad is it true..?

Only God knows
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