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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 31, 2021 at 12:30
by  
@Tanavaroot

Thank you for your kind and wise advice. The Malay  translation for the above legal notification for reader references  

Kepada pihak yang berkenaan (tanpa pra sangka) 

Kepada pengendali nombor 03-26145684, saya telah menerima banyak panggilan daripada nombor yang tidak dikenali ini.  Saya kini terasa diganggu dan sentiasa didalam keadaan bahaya  kesan daripada panggilan ini. 

Saya telah pun berhubung dengan Ketua Unit Bankrupsi Aiqon (En Shashi Kumar A/L Rajendra) melalui email dan menafikan yang saya berhutang dengan syarikat kamu dan akan mencabar sebarang  tuntutan mahkamah daripada syarikat kamu. Dalam ertitkata yang lain kita selesaikannya di mahkamah

Jika pihak kamu masih lagi menghubungi saya, maka saya akan membuat aduan di Balai Polis Gombak untuk kita berjumpa disana bagi menyelesaikan sebarang masalah yang timbul sekarang ini (jika ada). Tindakan saya yang seterusnya adalah,  bersama dengan laporan polis tersebut,  saya seterusnya akan membuat laporan kepada pihak MCMC,  BNM dan kepada semua syarikat Telco

Saya harap pihak kamu faham dengan sepenuhnya bahawa mesej ini adalah merupakan notifikasi yang sah daripada saya sama seperti notifikasi yang saya telah terima daripada syarikat kamu berkenaan Notis Kebankrapan dan penghakiman hutang
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answered on Mar 31, 2021 at 13:20
by  
@ remymikael

There could be some hiccups as this is a landline and they could have disable some apps associated with usage of landline.

Send via email to both Vv and the Head of Bankruptcy Unit.
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answered on Apr 2, 2021 at 18:42
by  
@ remymikael

Any response from the people you have sent email?
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answered on Apr 3, 2021 at 12:27
by  
@jeff005

They haven't answer any of the emails  sent to them sir.  
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answered on Apr 5, 2021 at 09:38
by  
@ Jeff005

For Aigon - only have those so called Standard Chartered statement from Mystique. and nothing else. they watsapp me saying already provided prove of debt by those statement which i ignored and totally dont bother to reply as my friend advised me statement itself is not prove of debt and can be question in court if they choose to proceed .

For CIMB and Southeren bank ( which was under CIMB) even worse except for the letter vesting order, no statement or etc from Aigon. 

So basically from Aigon except Vesting order and statement nothing else.

RHB

i rather not think about anymore - i do have the letter of clearance signed by the head of credit collection of RHB bank , ( not sure why cant upload here, the system rejects it - over quota or etc, if you want i can email it when i am free)

But based advice from my friends even if RHB were to try to be funny they will fail in any further action in future as the letter clearly mention no further debt to them by me for that cc. 

Public bank

my is under public bank not finance. Anyway they are letting their debt collector calling and calling every now and then. Well for this card.

Citibank

As the JD is is dated 2004, it is definitely beyond the 12 year period for BN. The lawyer i consulted mentioned the bank can apply for time extension but the requirement of the court before they allow such extension is very high and the bank might not proceed since the amount in the JD is only RM 8K , still way below the RM 50K , not to mention RM 100K until next year.
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answered on Apr 5, 2021 at 09:43
by  
@ Remymikael

Wondering if the Aigon did send anything to you? JD or court suit or etc.

I will update if i have anything from them but at this moment - nothing except those daily call. which i dont bother answering anymore.

am thankful though that the BC do not come looking for me at workplace unlike what happen to you. if they do they might be making a big mistake as i am not as uneducated like you. i am more like samseng so punching someone in their face is nothing for me so is better they dont try to be funny coming to my workplace ....
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answered on Apr 5, 2021 at 11:54
by  
edited Apr 5, 2021 at 12:33
by   jeff005
@ Vince Sum

(if you want i can email it when i am free)
i'm surprised that you cannot find my email address.
It is the only email address that has been bouncing around legally for the past 8 years 100++ times inside this forum.

I do keep all types of letters from banks, NK, CP and release letters from AKPK as well as from Immigration.
I do not need your full name, only the surname "Sum" and most important the surname of the person who issued the release letter and dates and the position in the Bank.. I do not need their reference number too (if you are sensitive).

Yes, you and your friends can read letters and notifications from BCs, Banks, Legal Firm. But do you all know how to interpret it? Cannot even digest that there were two separate statement of accounts generated from one Vested Order from mystiQue?

Only people who is versed in manglish can understand .. !!
Do not use IQ to read to understand, use ur eQ to interpret accurately. This is how those companies with eQ apply to scare debtors..

If you are free? Yes you are even free now to post on scams posts.

My email address for the 101++ times

< bladirunner@gmail.com >
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answered on Apr 7, 2021 at 12:31
by  
edited Apr 7, 2021 at 12:46
by   jeff005
@ remymikael

Nampaknya, ade tekanan yg lebih teruk di forum ni..

https://www.lawyerment.com/answers/questions/13978/kos-guaman-yang-tidak-munasabah#a52593

semacam orag yang telah pos di forum :

"settle direct dengan bank"

Nasihat ni bad or good?

Tekanan dari Bank or BCs :- which one lagi teruk?

Nasihat saya.. Cut all communications when the original debt  have breached the Limitation Act 2018 .. !! Deny any debts and will contest any lawsuits (in writing) ] and give current address /contact number for any lawsuits.

The "Without Prejudice" in communications have different meaning depending from which side it is writing from. Your case.. means " i.m denying any admission via written correspondences". For aiQon means that "we can withdraw any offers once the validity period has passed".
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answered on May 21, 2021 at 14:52
by  
Has this thread ended?

Any more threats from the debts buyers?
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answered on Jun 21, 2021 at 20:46
by  
This is my reply / comments to the Query on the current thread newly opened.

https://www.lawyerment.com/answers/questions/14012/debt-collectors-for-old-debt

@ IzaYus

Is this legal? I thought it would be illegal for the person to discuss re something this private to another member of family. 

Who told you it is "illegal"?
If this is private, then settle the old debt privately on your own accord without dragging family members into your mess.. !!
First ask yourself if you have done the correct actions legally pertaining your debts. Your have used that address as per last record notified to the bank/s and have not update your creditors by LAWS (requirement) of your current reachable address or correspondence address.
So what is wrong with DCs going there to find you. The people in that house can just give them your latest contact for them to find you to settle the old debt. Nothing to talk with strangers they do not know. When a discussion is held, it is admission that they (the occupants) know who and where you are.
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