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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
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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 22, 2022 at 15:41
by  
edited Mar 22, 2022 at 15:58
by   jeff005
Topic Regarding Vested Order (if any)

the burden on providing the statement to prove the claim , rest on the planttive not the defendant. 
So, what the lawyer is saying that the amount sold stated in the Vested Order (Perintah Mahkamah) is defective? Throw away that perintah mahkamah (if any)?

600,000++ sold debts can be thrown out? (just for AmBank alone)

Note :
There were small amounts as per vested order.
There are debtors who approached AKPK for help in order to erase the blacklisting.
The reply from AKPK is YES - CAN Help enrol into the DMP, but the amount now owed is as per stated in the Vesting Order. This has been documented in this forum. Read backwards..!!

This means AKPK is recognizing the Perintah Mahkamah.

Wrong way of fighting against this Vesting Order.
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answered on Mar 22, 2022 at 15:57
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Not sure - all he mention was we will rely on the statement of account from the plantif so obviously those statement will show when was the last payment and also show subsequently how the bank added interest and penalty etc----

Relying on that statement then we can argue for the case to be strike out based on limitation act if is already more than 6 years.

Actually that is what i guessed la... all he said was the burden of providing the statement to backup the case lies on the plantif not the defendant
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answered on Mar 22, 2022 at 16:03
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edited Mar 22, 2022 at 17:37
by   jeff005
Relying on that statement then we can argue for the case to be strike out based on limitation act if is already more than 6 years.

This is precisely what I have been teaching debtors here in this forum for the past 6-7 years by the application of the 6 years Limitation Act. dan.. i have even taught some on how to make disrepute to the statement of accounts from bank with regards to the interests element charged.

dan.. i,m not-a-lawyer.

i m what i m and who m i? ... m just an ordinary registered forumer (ex-farmer in Thailand).
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answered on Mar 22, 2022 at 19:52
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edited Mar 22, 2022 at 20:28
by   jeff005
Burden of Proof

"the burden of providing the statement to backup the case lies on the plantif not the defendant"



If one in Debts Lawsuit, can readers take a leaf from the thorny tree that I have planted here in this forum since 2014, the bundle of proof have to be provided by the Plaintiff, filed as a "Statement of Claim" in a supporting affidavit to be filed in Court. It has been discussed numerous times inside this forum which includes :

Bundle of Proof requirements :
1. R.O.C. 2012
2. Insolvency Act 1967
3. Debtors Act 1957
4. Limitation Act 1953

Discussions have been ongoing inside this forum with proper explanations. Only when ppl seek the advice of paid lawyer services, only then they believe. Why do not trust the discussions between forumers? Bcuz they are not lawyers? Bcuz it is not paid services? Bcuz some of us are poorly educated farmers? dan.. bukan professionals?

Did those lawyers teaches ppl how to contest lawsuits on abnormal cases?

In the a vested order, amount sold by the bank via a Court Order (Perintah Mahkamah) not a burden of proof? What other proof else do people want?

In the application of the vesting order, the bank have to submit a statement of account as proof of debt. If debtors accept this as proof, then habis, sayorana, can even be bankrupted ten times over.

I do not accept this form of burden of proof /bundle of proof even if there exists a Judgment Debt..!!

Please do not be lazi.. read.. read.. read.. (tapi ngan teliti) so that one cannot be cheated by those marauding debt collectors (as well as bankers which includes their panels of lawyer firms). They are probably the descendants of Vikings, maybe Cossacks too.. they dictates the laws of the jungle?


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answered on Mar 23, 2022 at 09:12
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Morning just forget to mention - according to the lawyer there is few way we can handle the call from DC . Complain to Bank negara and banks is one of them BUT normally is not efficient as probably nothing will happen- those DC will continue their dirty work anyway 

the other way like jeff said - change handphone number- workable - BUT why must we avoid them? why must we inconvenience ourself for them?

The lawyer suggest is seek court injunction to restrain the DC. once we get the court order/ injunction , if the DC continue calling - then they have committed a contempt of court ( menghina mahkamah) and that is a criminal offence and the DC can be jailed for it
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answered on Mar 23, 2022 at 13:43
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edited Mar 23, 2022 at 14:22
by   jeff005
Thank you very for repeating everything that I had posted in discussion /articles in this forum.

The main discussion is right under this thread under Dr. Haris (he is a very very qualified doctor but not his real ID name).

If one reads backwards, he has made a very successful Polis Repot :



It all depends on your valid grounds to be able to make one.
Giving no valid points will just be given a NFA  (no further action) polis reply repot.

One cannot get an injunction (restraining Order) against a creditor.
Debtors have debtors rights, creditors have creditors rights.
The court judge and/or polis will tell you..

"Hutang tak payah selesai ke??"

You may be able to get inunction against that particular DCs for criminal intimidation and harassment (if any) based on the registered number that had called you. But no sane judge can give you one direct to the creditor. There is no such provision in laws. That's why ALLGON subcontracts out to other DCs. Can people see this point or not?

Simple  for Allgon, one subcon kena blacklisted, appoint another new one...

Hey dude.. some shareholders of ALLGON are experienced lawyers.. fyi..
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answered on Mar 23, 2022 at 13:57
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Complain to Bank negara and banks is one of them BUT normally is not efficient as probably nothing will happen
That is because people do not know what to complain, how to complain with valid grounds to make the complaints effective.

I have spoken /written on this and have given directions on how to make complains via BNM website. Please read backwards.
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answered on Mar 23, 2022 at 14:07
by  
edited Mar 23, 2022 at 15:07
by   jeff005
the other way like jeff said - change handphone number- workable - BUT why must we avoid them? why must we inconvenience ourself for them?

This is ONLY one of my suggestions. 
I have never put a dagger to anybody's neck to follow.

why must we avoid them?
Then why are you complaining now?.
Owe creditors moneys and not responding to their calls is correct or not?
There are laws and BNM Guidelines /jurisdiction to protect the rights of a CREDITOR..!! Please read backwards, i have written articles on these topic contents inside this forum before. Read.. read.. read..

Just go and get one injunction as suggested by your lawyer, but remember to pay for the lawyer's fees and expensive court injunction fees. Please also remember that you have to declare your current address and valid contact number as the applicant. In doing so, you have exposed yourself to ALL your other Bank debts creditors. The DCs will also spam your personal data and amount of debts portfolio to every DCs located inside Malaysia in a retaliatory action.. please dun be DCs quest of Honor.

Make peace with ur Creditors, not war like the russo ukraine war at this moment.
Make peace not love with ur enemies.
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answered on Mar 23, 2022 at 14:31
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edited Mar 23, 2022 at 14:31
by   Vince Sum
who started the war. debtors or creditors????...hahahahaa. peace with creditors ? possible or not unless u pay them la...otherwise those crazy guy will keep on calling....everyday even during weekend except sunday perhaps
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answered on Mar 23, 2022 at 14:34
by  
if creditos just forget about it and stop those stupid calls then it is be peace la...but will they? especially certain creditors ...not only call everyday - call few times in a day also got la. in particular this all gone company - ---- morning one ******* call ...afternoon a ***** pulak yg call.
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