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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 Feb 22, 2022 at 00:53
by  
edited Feb 22, 2022 at 01:22
by   jeff005


Notis :

For admission ,to be valid, for long "expired debt" under the Limitation Act, usually for the purpose for "discounts" (at discounted value) :

1. The any admission must be expressed in written form
     
         dan

2. Signed, dated and acknowledgement of acceptance / admission by the debtor her/himself

3. There must be a proper "Offer Letter" from the creditor with company letterhead and signed by an authorized senior management officer. No photocopy or unsigned computerized generated offer letter is acceptable in court lawsuits filings (if any).

4.  Values, mode, dates of payments and/or validity of offer period must be clearly specified, a usual standard practice of 7 days validity period upon date receipt / received (by the debtor) of the offer letter, issued by the creditor. No backdatings.

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answered on Feb 22, 2022 at 18:01
by  
edited Feb 22, 2022 at 19:20
by   jeff005
Tan610

My personal narration :

current debt was <RM35K, later on will become RM70K, RM100K or above due to interest charges 

All debt collection agencies cannot collect interests as they are non Financial Institutions. Without the permit to collect interests, it is akin to be illegal ah longs.

Even Banks cannot collect any further interests after 6 years if they have gotten a Judgment Debt in a court of law as per Limitations Act Malaysia.

The Vesting Order as in the Perintah Mahkamah, which section of the court order says that interests can be collected by the bad debt buyer? There are limitations stated within too. Limitations for the new creditor..

Please correct me if i,m wrong ..!!
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answered on Feb 23, 2022 at 00:43
by  
edited Feb 23, 2022 at 01:01
by   jeff005


Notes to the above messages

1. The DCs have the home / house / residence address
2. The DCs have the handphone contact number
3. The DCs have the workplace correspondence address
4. The DCs have been given a email correspondence address
5. This case arose from a "shortfall" after the lelong of a motor vehicle (low-end standard) in 2005, why is that no further court action is carried out between 2005 - 2021 = 17 years? And the amount has exacerbated until RM35K?
6. The DCs have not provide the amount stated in the vested order and have not provided any statement of account to the debtor. Why?

So, what is not appropriate with the above wasap msgs?

Discuss for the benefit of future victims..

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answered on Feb 23, 2022 at 22:20
by  
edited Feb 23, 2022 at 22:28
by   jeff005
Tan610

JDS
This is the threat the DCs is referring to in their msg to ur father which has passed more than 12 years from the first default of the H/P Loan or any JDebt (Judgment Debt) decree by the Court as in the Penghakiman Mahkamah.


Note that it is not easy to file an application for JDS (very costly too for the Judgment Creditor)
..
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answered on Feb 24, 2022 at 00:33
by  
edited Feb 24, 2022 at 00:54
by   jeff005
Tan610

Excerpts from your email :
Quote :
We had went to KL court yesterday, the officer said no record found."

My personal thoughts :
There is a very likelihood that your father was never made a Judgement Debtor at all.

Reason : Your father went with your uncle and does not know malay well, it could be your uncle who had requested from the court that "they" would continue the instalments by the payment of RM100 monthly (that's voluntary settlement in place). The Judge allowed and maybe the lawyer also agreed and did not make it as JDebt (Judgment Debt).

In any case it has expired in 2017 even if there is a JDebt accorded.

The rights of the bank have also expired to launch another lawsuit.
The rights to sue is also then expired when sold to the Debt Buyer in 2019 according to the Vesting Order.

How could the current BCs get a JDS as well as Garnishment of banking accts as per their hounding and haunting msgs? Pack of wolves behaviour?

When a debtor who, when the first time receives such notices, paniks and is at a loss of knowledge, starts calling the BCs.

The BCs and/or Debt Buyer is just calling a bluff as in poker games.
Trying their luck at bullying debtors.

YES.. many poor debtors of long expired debts gets caught and pay something to stop any further intimidation and/or harassment calls. But the contact with the creditor and any notable partial payment (as per offer letter) thus constitute admission for the whole debt.

My personal opinion for your father's case, is that, no further lawsuits can be initiated. And if initiated, can be set aside invoking the Limitation Act, Debtor's Act and ROC 2012.

Excerpts :

Are debts really written off after six years? After six years have passed, your debt may be declared statute barred - this means that the debt still very much exists but a CCJ (current court judgement) cannot be issued to retrieve the amount owed and the lender cannot go through the courts to chase you for the debt.

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answered on Feb 24, 2022 at 10:25
by  
@ Jeff005

Well noted..
We all (my family) have put down the stone from our heart already.

I'm very grateful for your valuable help and time of explanation. 

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answered on Feb 24, 2022 at 17:02
by  
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answered on Feb 24, 2022 at 20:31
by  
edited Feb 24, 2022 at 20:57
by   jeff005


The moral of the above situation if I receive such messages :-

Stop talking to BCs. One can never hope to out-talk them as they are trained to tell stories to scare debtors and make debtors victims of the old debts again. Those debts are already time-barred by Statute of Limitations. 

In Malaysia, it is known as the Limitation Act 1953

Bar their numbers.. !!

And sit back, wait for their lawsuit (if any).

Please send the fake demand letter, put your Horse come  让你的马来  or a Tiger in ur pants..

Lu suda lapat RM 500 as "Processing fee", 
mgpe nak ckp manyak lagi?
Maki di depan Tuan Hakim larr..
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answered on Mar 2, 2022 at 11:51
by  
Is this thread still active? 

as for myself - just received letter of demand from Aigon. 
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answered on Mar 2, 2022 at 13:12
by  
@ Vince Sum

Is this thread still active? 
This thread has 9,919 views
The last comment was just a week ago
so, why not active?

as for myself - just received letter of demand from Aigon. 
If you want any discussion, post the demand letter here.

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